Trying to refinance house and get away from Freedom mortgage. We were up to date with payments and doing a repayment plan of an extra 500.00 a month for 6 months that was court ordered. We get paid around the first of the month due to Social Security and VA compensation. We normally get our big check around the 30 th of the month so we mail out a cashier's check the day we get paid.
In November of 2018 we mailed out four checks two on the 1st of november for November s payment and two on the 30th for December's payment. We received our January check on the 28 th of December and mailed out the two checks for January's payment. Well low and behold the check was cashed by freedom mortgage but never applied to our account until February.
In the meantime we changed our homeowners insurance and freedom mortgage wanted their money back for escrow. I contacted the old insurance company and they mailed it back to us. We immediately went to the bank got a cashier's check for $1923.46 and mailed it out. They put the check in a unapplied acct. And left it.
We had no idea we were listed as a month behind until we started to refi our home and it shows on my husbands credit bureau, they refuse to change the bureaus even after telling us in april it was their mistake now they are saying we were late and won't do anything about it. I have all receipts from may of 2018 to the present and they are all according to my records up to date.