Consumer complaint received 2016-04-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (WI)

My whole ordeal began XXXX XXXX, XXXX, I called my mortgage company to make a payment that was big enough to cover two partial months and one full month. The grand total of the payment was {$1000.00}. For XX/XX/XXXX. ( {$470.00} ) I had made a payment {$200.00} which left a balance of {$270.00} pulse a {$20.00} late charge. My next step was to have a check drawn off my account on XX/XX/XXXX. for the amount of {$500.00}, which would be sent straight from my bank account to them via snail mail. Well needless to say the money sat in my account until XX/XX/XXXX. that 's when I called my back to see what was going on. The bank then notified me that my check had not been cashed yet, so out of fear that maybe I had submitted the wrong info to the bank I had them stop payment and reverse the funds back to me. I did not believe that it would take that long to get to them and be processed. The funds were returned to me on XX/XX/XXXX. At this time I processed to contact the via phone to make the payment of {$500.00} and an additional {$500.00}. This would have been enough to cover all of XX/XX/XXXX mortgage ( {$400.00} ) and a portion of XX/XX/XXXX. There was a change in my mortgage amount due to taxes decreasing. The young lady and I went back and forth for a moment figuring out what exactly how much I was giving towards each month that 's how we came to the conclusion of {$1000.00}. At that time it seemed we had it all together, and processed to use the date as a check number. This all took place on XXXX XXXX over the course of the weekend I checked my account and seen that my money was not reflect in the manner in which we had spoke about. So I called on XX/XX/XXXX to inquiry what was going on, because I noticed what should have been in my unapplied account for partial payment of XX/XX/XXXX was applied to principle. I was assured that day that everything would placed where it need to be once she contacted that department. I also asked about the fact that a late charge was still reflecting on my account and told me that that was a mistake and it would also be handle. Some days go by and I receive a latter in the mail indicating that I still owed for XX/XX/XXXX. and that I was be assessed a return check fee of {$15.00} because the check had not gone through. Now the check they had was the check that was issued from my bank that I had stopped payment on. Mind you by this time it is now around XX/XX/XXXX, and I did n't understand why they where even trying to cash it. I had already called and made a payment twice that amount and that should 've been noted on my account. Just looking at the dates of everything you could figure that out. So I contacted them and had a discussion with them again because my account had not been up date as promise and because now they were trying to say I had paid at all. I also contacted XXXX XXXX XXXX which is co-owner of my house to see if they could get some resolution from them, they hold a XXXX mortgage on my home.. They contacted Amerinational also and was told pretty much the same thing as far me canceling a check and what not. XXXX could n't figure out exactly what was going on because they were trying to look at the ledgers on line and could n't see where a payment of {$1000.00} had been made because Amerinational hand chopped it all up and had it posted as to separate payments. Needless to say they tired but really could n't help too much even with me giving them print outs and going to the main office and explaining it to them. Eventually about a month ( XX/XX/XXXX ) later they finally got it together and I made the remanding payment for XX/XX/XXXX which they told me they would waive the late fee and check by phone fee due to the fact it took them so long to get together. That payment was in the amount of {$100.00}. Now here it is XX/XX/XXXX and I am back at square one fight to get payments posted in a timely manne rand fees accounted for.