My mortgage was sold to EverHome a year ago and they have misapplied mortgage payments twice now. I became aware of the second misapplication yesterday evening when Everhome called demanding a payment that I made over two weeks ago. After I provided the confirmation number of the payment and date the representative hung up. The last time this happened Everhome reported a late payment on my credit report. Each time I've called to correct the error I've been told that "it is my problem" and "my responsibility." I'm afraid this will be repeated further impacting my credit score. Any suggestions, advice or assistance will be greatly appreciated.
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