Consumer complaint received 2017-12-02
Company: ATLANTIC PACIFIC MORTGAGE CORP
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company keep saying that the money was refunded, which it was NEVER REFUNDED. It took several letters and the attorney threatening to sue to get the {$9600.00} which the company claimed was sent back 2 years ago because someone had listed it on my records as paid which was fraudulent. Even after several letters asking for the money, the company claimed that it was returned without checking their bank account to see that the check which they claimed was mailed was never cashed. 
The modification payments were never applied to my account. My IRS XXXX showed they were applied but the company record showed that they were reversed. 
The other payments were never applied to my account even though they were collected from my bank and never applied to my account. The company never made any attempt to correct the record even though they were presented with proof regarding the Error which is a violation of my right. 
The company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL. purchase the mortgage from Atlantic Pacific Mortgage without my knowledge or signature.on XX/XX/XXXX and added {$7700.00} to my mortgage and created an escrow account. 
The company claimed that they would remove the escrow account after I send the declaration page for the insurance. I did and they continue to charge me an additional. 
The mortgage has a fixed rate of 6 % and payments of {$700.00} as agreed upon XX/XX/XXXX, but the company interest rate varies when the mortgage is n't a variable mortgage. 
The balance in the escrow that the company claimed I owed is {$1500.00}. The company charged me additional on the mortgage since XX/XX/XXXX which does not include the payments I made which was not added to the record as well as the addition to the account when the company took over from XXXX XXXX XXXX a total of {$7800.00} ( Escrow & additional charges ) XXXX/XXXX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$1500.00} ) {$74000.00} XX/XX/XXXX Hazard insurance refund deposit {$0.00} {$0.00} {$1000.00} {$1000.00} ( {$1700.00} ) {$74000.00} XX/XX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$2700.00} ) {$74000.00} XX/XX/XXXX Hazard insurance disbursement ( primary policy ) {$0.00} {$0.00} ( {$1000.00} ) {$1000.00} ( {$2900.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$330.00} {$370.00} {$200.00} {$910.00} ( {$1900.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$320.00} {$370.00} {$240.00} {$950.00} ( {$2100.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$240.00} {$950.00} ( {$2400.00} ) {$75000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$240.00} {$950.00} ( {$2600.00} ) {$76000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$76000.00} XX/XX/XXXX Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$76000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$300.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$300.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$77000.00}XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$78000.00} XX/XX/XXXXMortgage payment {$280.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$78000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$78000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$79000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$79000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$79000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$7.00} {$710.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX  Mortgage payment {$320.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$80000.00} XX/XX/XXXX Mortgage payment {$310.00} {$380.00} {$0.00} {$700.00} ( {$2900.00} ) {$81000.00} XX/XX/XXXX Mortgage payment {$270.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$81000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$81000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$82000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$82000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$82000.00} XX/XX/XXXX Mortgage payment {$290.00} {$410.00} {$0.00} {$700.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$270.00} {$430.00} {$7.00} {$710.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$83000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$84000.00} XX/XX/XXXX Mortgage payment {$310.00} {$390.00} {$0.00} {$700.00} ( {$2900.00} ) {$84000.00} XX/XX/XXXX Mortgage payment {$300.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$84000.00} XX/XX/XXXX Mortgage payment {$290.00} {$400.00} {$0.00} {$700.00} ( {$2900.00} ) {$85000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$85000.00} XX/XX/XXXX Mortgage payment {$280.00} {$420.00} {$7.00} {$710.00} ( {$2900.00} ) {$85000.00} XX/XX/XXXX Hazard insurance disbursement ( primary policy ) {$0.00} {$0.00} ( {$1500.00} ) {$1500.00} ( {$3000.00} ) {$86000.00} Company provided no proof for the additional money of {$30000.00}

Company response to consumer: Closed with explanation