Consumer complaint received 2021-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (NM)

I was contacted on XX/XX/XXXX by my mortgage company. The mortgage company stated that I did not make my XXXX payment. I stated and verified by my account that I had made a payment. The rep then told me the bank just reversed that payment and emailed the mortgage company about it. I know ACH processing does not work like that, so I challenged the rep on this fact. He then placed me on a long hold and came back and told my that a payment was misapplied to my account XX/XX/XXXX. This was misleading, false, predatory. I did not agree with this, nor could I challenge the fact that they said I was past due. I asked for a completed account history and proof of the adjusment. I only recevied the account history for this a yesteday, and I contacted the company today XX/XX/XXXX to address concerns I still had. I wanted to make my account was current and pay my current bill for XXXX. The rep stated that my bill amount had increased by {$5.00} due to an escrow adjustment for the year ahead. The online system was still showing my payment amount of {$950.00}. XXXX. However the breakdown of payment was wrong. Showing {$890.00} partial payment due, {$950.00} regular payment due, {$140.00} late charges and fees, and {$5.00} partial payemnt due. {$950.00} advance payment for XX/XX/XXXX. Still not showing the increase. 
I attempted to reconcile with my bank account information, the account history provided to me by the mortage company and my mortgage statements. I do not retain my statements as I am always current. I have not been able to do a full reconciliation without these mortgage statements. The payment history that I receieved was not intutive and it not clear what applied and not applied based on the legend provided by the company. There is a section for statements online however they only load end of the year tax documents there, and not monthly statements. I know that my payment was late XX/XX/XXXX and XX/XX/XXXX. There should only be one late charge for those months @ XXXX. Plus change. For a total of XXXX  in late fees. These payments were never 30+ days, so the mortgage company should not post anything to my credit report. On the adjustment report the company is attempting to charge 2 x late fees calling one Uncollected late chage and the other just late charge. I believe this is predatory, and there should only be one late fee assessed. When I pressed the rep on the phone about the late fees he stated, Those are late fees for the life of loan. On XX/XX/XXXX with my payment of {$980.00} I paid the account current, which included the latest fee assessment. As stated I know I was late after that only in XXXX and XXXX and should not have {$140.00} in late fees. Also reg E requires that disputed electronic items must be done so in 6months of the transaction. The adjustment attempted by the mortgage company os outside that deadline. I dont think this mortgage company should be grossly adjusting my account to this point. I can not even tell what has happened with the interst adjustment to that payment from XX/XX/XXXX, as no one has got back to me on that. I believe I should be allowed to make my XXXX payment {$950.00} or {$950.00} + {$5.00} for escrow adjusmtent, plus 2 months of late fees to be current on my account. I have already spent several hours trying to resolve this issue. Please help. Thank you.