So my mortgage servicer has screwed up my payments twice now, claiming I missed one when I definitely didn't. It's getting super frustrating, you know? Has anyone else had to deal with this kinda thing, and how'd you handle it?
Had a client go through something similar last year—mortgage servicer kept misapplying payments, and it turned into a real headache. First thing I'd recommend is gathering all your payment records—bank statements, canceled checks, online payment confirmations, whatever you've got. Document everything clearly, dates and amounts especially.
Next step, send them a formal written dispute (certified mail is best, so you've got proof they received it). Outline exactly what's happened, attach copies of your evidence, and request a detailed account history from their end. Usually, this gets their attention because now there's a paper trail.
If they still don't fix it, you can escalate to the Consumer Financial Protection Bureau (CFPB). Filing a complaint there often lights a fire under mortgage companies to straighten things out quickly.
It's frustrating for sure, but staying organized and persistent usually pays off. Hope you get it sorted soon...
Good advice overall, but have you considered skipping straight to the CFPB complaint instead of waiting around for the mortgage company to respond? I've seen cases where going directly to the CFPB from the start actually speeds things up. Sometimes companies drag their feet on internal disputes, but once a regulator gets involved, they suddenly become more cooperative. Might save you some headaches and time...just something to think about.
