Consumer complaint received 2015-10-16
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX XXXX, 2015 a woman came to my home and handed my caretaker a card saying your mortgage company would like for you to call them. She too began taking photos of my home on the outside without permission. I reviewed the notification and did not recognize the telephone and upon googling it came up with a company called XXXX XXXX XXXX . I did not recognize this mortgage company, I did not return the number listed on the door tag. I later received a call from a representative identifying themselves as American Pacific Mortgage company. Upon returning this call on about XXXX XXXX, 2015, I was notified they were calling in efforts to collect a debt. They indicated at the time that their records did not show payment for the month of XXXX 2015 as being made. I had set up Direct Pay ACH payment via my bank account and the monies were withdrawn and paid on or about XXXX XXXX, 2015, I faxed over proof of ACH electronic payment, ( no reply ) On or about XXXX XXXX I received an alert notification from XXXX XXXX XXXX, of a change to my account. Upon review, a company identified by XXXX /null was reporting on my home mortgage " record as no more than two months past due ''. Apparently as of XXXX XXXX, 2015 they were reporting 2 months in arrears on my mortgage loan with American Pacific Mortgage which was current per my records. Again, I contacted American Pacific Mortgage via fax providing record of payments and copy of the XXXX ( XXXX and XXXX ) reporting error, I received no reply. 
On or about XXXX XXXX I received an email from my loan broker XXXX XXXX, saying it was an urgent matter for me to contact a XXXX XXXX at American Pacific Mortgage. I contact XXXX and explaining that all payments beginning XXXX 2015 had been paid via electrong ACH, and forwarded her copies of on line bank transactions, along with a copy of the error in reporting being made to the credit bureaus. I requested her immediate attention and resolve, to include notifying the credit bureaus of the reporting error. I was told via email, that she had stopped all collections and reporting to the bureau on my account. A week later XXXX requested additional proof of payment of the electronic record showing where the monies were sent. After contacting my bank and their ACH Payer, I received proof of payment via electronic receipt from the payee 's bank, incl ( s ) payee Name of XXXX, and Payee ID # date and time of receipt of payments on all payments ( now currently XXXX 2015, XXXX 2015, and XXXX 2015 ). I emailed this information to XXXX XXXX and faxed it to collection fax number given. XXXX XXXX requested me to stop ACH electronic payments for XXXX 2015 and to try calling in my payment On XXXX XXXX, I again received an alert from XXXX XXXX XXXX ( XXXX/null reporting 4mths past due ). I emailed and telephone XXXX XXXX to make XXXX 2015 and she refused to take it over the phone. 
In summary, as of today a credit for " missing payments '' still have not been credited - XXXX has a XXXX party collecting and reporting on my account e.g, ( sending letter as XXXX, telephoning, and individuals to my home. ) I have been denied credit, denied the ability to make loan payments for current months ( XXXX and XXXX,2015 ), currently being charged late fees since XXXX 2015 and now facing foreclosure to include legal fees ) as XXXX and XXXX are not to acknowledging the XXXX parties ( my bank and it 's affiliate XXXX XXXX XXXX ) ACH electronic as a valid proof of payment. These electronic proof of payments are received encrypted by the Payees Bank and acknowledge the payee ID #, date and time all payments received. I 'm requesting immediate credit for all payments made, to include reversal of all late fees to date and the correction of the credit bureau ( s ) reporting without further delay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation