Product: Mortgage

To Whom it May Concern, I am making this complaint against Service Mac and XXXX XXXX XXXX regarding their unfair and deceptive practices for my loan transfer. Although I am now current with the mortgage, both companies ' poor communication and wrongful acts caused two late payments. XXXX XXXX  then sent a letter threatening my credit score. Although I believe the matter is resolved, I want to make a record of their inappropriate behavior. 

For the past 2 years, my mortgage has been serviced by Service Mac. I have long made all payments via autopay on the 1st of each month. 

On XX/XX/year>, I received a standard mortgage statement from Service Mac, providing that payment was due to them on XX/XX/XXXX. That was no problem, because autopay was setup to make payment on XX/XX/XXXX. 

On XX/XX/year>, I received a Notice of Service Transfer, stating that the servicing of my loans would be transferred to XXXX XXXX XXXXXXXX effective XX/XX/XXXX. The notice informed me that Service Mac would accept payments " prior to XX/XX/XXXX '' and would stop accepting payment " after XX/XX/XXXX. '' I took this to mean that my XX/XX/XXXX1 payment would be accepted by Service Mac. 

Sometime in the second week of XXXX I noticed that Service Mac had apparently cancelled my auto pay and not accepted my XX/XX/XXXX payment. My online account with them was inactivated. I immediately called them and was routed in circles for a half hour. Their system would not allow me to speak to a human because they were no longer my servicer. Instead, their system transferred me to XXXX XXXX 

I then called XXXX XXXX and a representative assured me that I had a 60 day grace period where no late fees would be imposed. They told me that I would receive a welcome packet from Freedom Mortgage in the mail, and that after I received my first bill from them I could create an account and set up autopay. 

I received my first Statement from XXXX XXXX ( dated XX/XX/XXXX ) at the very end of XXXX, giving me only a day or two before the " due date '' of XX/XX/XXXX ( it takes a while for mail to reach us in XXXX Hawaii ). I then setup an account and scheduled payment with them for both XXXX and XXXX payments on XX/XX/XXXX, well within the grace period. 

On XX/XX/XXXX I then received a letter from XXXX XXXX  dated XX/XX/XXXX, accusing me of being " two payments overdue '' and stating that " this information may have been furnished to credit reporting agencies. '' XXXX XXXX apparently generated and sent this letter just days after I received their very first mortgage statement. 

In short, Service Mac and XXXX XXXX are solely responsible for any delay in payment, due to their inability to coordinate between themselves regarding the transfer of my loan. Service Mac wrongfully cancelled my XX/XX/XXXX payment and was impossible to get ahold of, and XXXX XXXX  did not send a bill until mere days before payment was due and then threatened my credit score within several days. I object to this practice in the strongest terms and hope that this complaint creates a record that might help other homeowners facing this situation. I will also be sending this to both companies directly. 

Thank you, XXXX XXXX