I got a mortgage for $72,400 for a simple condo. I re-financed through the above named company. My payments were $481.39 a month. I made my payments religously and in a timely manner.
Come November I made my payment but didn't realize I had an extra.$50 on the money order. I reviewed MVB's website on my account and saw that Jan 1 was my next payment. Cool.
Fast forward to Jan. On Jan 4 I sent off my mortgage payment and around 9 Jan I called the company to make sure they got my payment. They said they did but there was a problem. They messed up with my November payment (that extra 50 cents?) and called it my december payment. First off, who's freakin' stupid enough to consider. 50 cents a mortgage payment? But the lady on the phone said it was an error on behalf of MVB, not me. That's right, I did nothing wrong.
Today I call again to rectify the situation, or try to, only to have the woman on the phone ask me "what did I want to do to bring my account to current?" I asked her how she figured "I" needed to bring my account current? She said, "well, we can't just let this go.." I told her I'm the only working person in my family and i have to explicitly set aside from my last pay period each month to cover the following months mortgage payment. So to end this tale of horror, I was told by her to look at my finances and see what I can pay to bring my account to current. We hung up.
Naw man, I'll refinance and take my business else where... Be careful, businesses make financial errors that cause great deals of distress to families who pay their payments on time only to have the company come back later and say it's the customers fault and they need to pay more$ to fix their errors. Make sure you have done as I and have documented proof of their errors should the heat come on you.
Chris
New Carrollton, Maryland
U.S.A.
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