THIS COMPANY IS HOLDING CUSTOMER'S MORTGAGE PAYMENTS UNTIL THE DAY A LATE CHARGE IS ASSESSED. I MAILED MY PAYMENT ON 7-7-10. THEY POSTED IT ON 7-19-10 AND ASSESSED ME A LATE CHARGE OF $40.77. PAYMENT IS DUE ON THE 1ST AND LATE AFTER THE 16TH. I HAVE MADE ALL PAYMENTS AROUND THE SAME TIME AND EVEN LATER AND HAVE NEVER HAD THE PAYMENT POSTED AFTER THE 16TH OF ANY MONTH IN THE 3 1/2 YRS I HAVE BEEN MAKING PAYMENTS TO THEM. THEY FLAT OUT REFUSE TO WAIVE THE LATE CHARGE, I'VE EVEN ASKED THEM TO LOOK AT THE HISTORY TO CONFIRM WHAT I WAS SAYING. NORMALLY MY CHECK CLEARS MY BANK WITHIN 3 DAYS FROM ME SENDING IT. AFTER READING OTHER PEOPLES COMPLAINTS, I SEE A PATTERN OF THEM PRACTICING THIS PROCEDURE. MY EXCELLENT CREDIT IS NOW AT RISK BECAUSE I AM NOT PAYING THEM A LATE CHARGE. I WAS TOLD THEY DO NOT GO BY POST MARKS WHICH IS MY ONLY PROOF OF WHEN IT WAS MAILED. HOW CONVENIENT!! SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY. IT'S NOT FAIR TO HONEST HARD WORKING PEOPLE WHO PAY THEIR BILLS TIMELY AND CANNOT REFINANCE DUE TO THIS HOUSING PROBLEM WE ARE ALL IN.