Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE
State: OH

Complaint narrative:
My first mortgage payment was due on XX/XX/XXXX. On XX/XX/XXXX I made a partial payment ( principal and escrow amount ) to my account. This is problem 1, as I then received something from XXXX XXXX stating Stockton Mortgage had placed something on my account and my credit score dropped. They made reference to me making a partial payment ( which I am entitled to do, and their system allowed it ). On XXXX I logged on to my account to make the remaining payment. On line I was denied as the system said I must make the full monthly payment. I then called the provided and I was told they would make adjustments and to call back on XX/XX/XXXX or XX/XX/XXXX to make the remaining payment, as they had to fix my initial payment in the system. Well on XX/XX/XXXX I logged in and the system states " your account is not eligible for the one time payment option ''. However, one time payment is an option on the website. I, or any consumer for that matter should have the option to make a payment on mortgage at any time. There are multiple studies and thousands of articles that prove making a biweekly mortgage payment reduces the amount of interest and the length of the term of the loan. So why is that I, or any other consumer of theirs, must make a 1 time payment for the full amount? That is not consumer friendly by any stretch of the means. I filed a complaint with the Ohio Attorney Generals office and since that time I have been blocked from making one time payments on my mortgage. So now i have to call and pay {$11.00} each time i want to make a payment? I'm being penalized for questioning my rights as a consumer. I was told over the phone by XXXX on XX/XX/XXXX that I am only allowed to make the full payment. Any partial payment will be applied to escrow or principal, but will not count towards my monthly payment. How is that legal? On the Stockton Mortgage payment website they give several examples of making payment and biweekly payments is one of them. yet I was told I do not qualify for biweekly payments. What is the criteria? I qualify for a loan but can't make biweekly payments? Now I can't even make one time payments to my account on the principal amount. Something about this is not right. I should have the right to make payments to my account at any time. I'm not asking for hardship. I'm not asking for Covid relief payments. I am simply asking for my right to make payments on my account that will fall within the necessary billing cycle to keep my account current. I am asking for my right to make those payments that will allow me due process to have the option to pay my interest down early and the term of my mortgage off early. The company has taken all my rights. When I complain then Stockton Mortgage retaliates by punishing me and requiring me to call and make over the phone payments for a fee of {$11.00} and then they make my credit report that I made partial payment, ( although the payment was made early before the due date )

Company response to consumer: Closed with explanation