Consumer complaint received 2017-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC PACIFIC MORTGAGE CORP (NJ)

I received a statement dated XXXX/XXXX/XXXX from their research Department from a customer service representative with the initial MGY. My account was accessed surcharge fees of {$200.00} which they created an escrow. In addition, Atlantic Pacific Mortgage charged me 9 Late Fees for {$35.00} for a total of {$310.00} which must be refunded since the late charges were charged in error. 15 days after the due date is the XXXX of the month since the payments were due on the 1st of the month. These charges were done on XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Violation of the Note dated XXXX/XXXX/XXXX ; Loan # XXXX page 2 of 3 under # 6 BORROWER 'S FAILURE TO PAY AS REQUIRED A. Late Charge for Overdue Payments If the Note Holder has not received full amount of any monthly payment by the end of the XXXX calendar days after the date it is due, I will pay a large charge to the Note Holder, The amount of the charge will be 6.000 % of my overdue payment, I will pay this late charge promptly but only on each late payment Atlantic Pacific failed to credit my account in a timely manner. XXXX XXXX Bank statement shows that Atlantic Pacific cashed the checks sent via Bill Pay on XXXX/XXXX/XXXX ; In addition Atlantic Pacific Mortgage knew I was living in the house. I made several attempts thru writing to XXXX XXXX XXXX, NJ XXXX XXXX Banking and several other entities to cure the loan which Atlantic Pacific Mortgage and their subsidiary XXXX XXXX XXXX made impossible for me to cure the loan. I was charged a total of {$330.00} for property Inspection I was charged eleven ( 11 ) charges of {$10.00} for property inspection ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) and Sixteen ( 16 ) charges for {$14.00} for property inspection ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Atlantic Pacific Mortgage charged me {$7.00} extra on my payments for a total of {$210.00} additional payment on my mortgage payment from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX. 
Atlantic Pacific Mortgage charged me a extra ( 1 ) cent on my mortgage payment from XXXX/XXXX/XXXX until XXXX for a total of {$170.00} After paying the reinstatement amount of {$31000.00} on XXXX/XXXX/XXXX which was posted to my account on XXXX/XXXX/XXXX, I received a call from my attorney claiming that he received a letter from Atlantic Pacific claiming I owe them XXXX XXXX rent even though I paid them on XXXX/XXXX/XXXX. I called Atlantic Pacific. I was told that if I made the payment on the phone I would not be charged any late fees. I made the payment on the phone with the representative. I requested a statement. A statement dated XXXX/XXXX/XXXX, showed that the late charge was removed. After that I have not received any more monthly statements. I requested another statement and received one on XXXX/XXXX/XXXX from the research department with representative MGY where the representative added the charges as well as did a Notice of Error for XXXX/XXXX/XXXX charging me late charges of showing these charges. I called on Monday XXXX/XXXX/XXXX and spoke with a female claiming to be XXXX who was unable to answer my questions. As stated in the letter, I requested proof of how they arrived at the charges. 
I took out a mortgage with Atlantic Pacific on XXXX/XXXX/XXXX. The mortgage was sold to XXXX XXXX  without my knowledge, on XXXX/XXXX/XXXX. I paid Atlantic Pacific Mortgage Dept, via XXXX Bank, a total of {$13000.00} ( XXXX {$620.00} ; XXXX {$620.00} ; XXXX {$620.00} ; XXXX {$9600.00} ; XXXX {$620.00} ; XXXX {$700.00} & XXXX {$700.00} ) which the company refused to apply these payments to my account. XXXX Mortgage reported to IRS that they added 2 payments to the account ( shown on XXXX IRS XXXX Form ) These two payments were later reversed as payments ( See Customer Activity Statement dated XXXX/XXXX/XXXX for the last 2 years. After much complaint and writing of letters to consumer Finance ( CFPB ) and to Atlantic Pacific Mortgage via XXXX XXXX XXXX after Atlantic Pacific Mortgage said that they sent the money back on XXXX/XXXX/XXXX check # XXXX. After much letter writing and a letter from XXXX claiming that the check was cashed and never return to the account XXXX XXXX XXXX Disbursement Clearing Account, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, a check was made out to the estate of XXXX XXXX for {$9600.00} on XXXX/XXXX/XXXX. The statement showed that payments totaling {$3900.00} were applied to attorney fees, escrow fees, suspense fees and others. After writing several letters, This statement was altered from the previous statement. The statement dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX show no record of the check for {$31000.00} which was paid for restoration which include the attorney fee for {$10000.00}. Whenever you call Atlantic Pacific Mortgage, you wait for 10-15 minutes before transferring to other departments. According to XXXX in the Foreclosure Dept/Collection, the loan is correct but it takes up to 2 months to be corrected in the system. I personally went to XXXX, XXXX XXXX XXXX, XXXX in XXXX, NJ, attorney for Atlantic Pacific Mortgage on XXXX/XXXX/XXXX, and I got the same run-a-round. No one wanted to take the cashier check even though the reinstatement letter said to mail it to her office. After waiting for 1 hour, XXXX XXXX, the attorney who went and got the default even though I sent her documents and proof regarding my payments finally came out and took the cashier 's check and signed it. Atlantic Pacific Mortgage cashed the check on XXXX/XXXX/XXXX and issued an order on XXXX/XXXX/XXXX after I called to get the loan reinstated. This is ridiculous that even though it is reinstated with the courts that the loan is still in foreclosure and I am constantly being stressed and harassed and still getting the run-a-round and mistreatment. The problem is that there is a lack of communication between the customer service, the research department and the loss mitigation departments. No one seems to know what is going on. A representative from XXXX XXXX called my mortgage pretending to be and changed from insured paying to XXXX. I called XXXX XXXX and found that a representative from XXXX XXXX called as well as sent over false documents claiming to be me that I requested the change so that XXXX XXXX would send them the payments instead of me. This is outright FRAUD. This is the reason why XXXX XXXX had to use the name Atlantic Pacific Mortgage to file for the foreclosure since the mortgage was already sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX. Previous letters will show that Atlantic Pacific Mortgage XXXX XXXX XXXX XXXX XXXX Mt. XXXX, NJ XXXX claim that there was no Escrow account when I filed a Notice of Error back in XXXX.