Freemont loan and Investment will harass me even though my payment is on their system. Remember, payment is due 1st of the month. I have my grace until the 15th with no late fee and until 30 days late before it goes on my credit report.
My payment is due on Sept 1st and I am not able to pay until Sept 28th, obviously it is late and I will suffer having to pay a hefty late fee. I called Freemont and told them I would be late and they set my check up for the 28th. I gave them all of my account information and so they will process it when that date comes.
The problem is that they call me everyday, nonstop to try to collect the payment. I am not sure if they are stupid or just seriously do not see my payment is already on the system. We tell them this and they say, OH and hang up. Sometimes they call in excess of 3 times a day and each time we speak to them. They keep calling! Do they not have to adhear to FDCPA because they are a 1st party collector?
I can completely understand phone calls if my payment was not there, but it is on file with them already. Why do they continue to call me? We will be sending them a cease letter and I have already complained to the AG and BBB, but what will that solve? Just because my mortgage is in their hands they can harass me? I am very stressed out.
I do not need to get collection calls on something as serious as my mortgage. It is a little late this month due to a change in pay at work. It is something that rarely happens and has never been past 30 days due in the 5 years we have had this mortgage. I am a compliance manager for a collection agency and my husband is the VP for the same company same collection department so we understand FDCPA and all laws.
What I do not uderstand is, why can your mortgage company harass you if your payment is on file already? If this ever happened with a credit card of mine I would sue them so fast their freaking heads would spin. Trust me, we get sued almost monthly so I know how everything works. I just don't understand why mortgage companies can do this? Any help please.
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