In July Chase Mortgage took over my loan from Temple-inland mortgage. I made my July payment to Temple-inland because I did not receive the notice that Chase Mortgage was the new holder of my loan until after I had made the payment.
In July Chase Mortgage Collections Dept. contacted me to notify me that I was behind 1 month on my mortgage payment. They then at that time explained to me that in July of that they had misapplied a payment of $1078 to my account, this had been discovered through their internal audit so they had reversed the amount off of my account.
The employee that I had spoke with that day instructed me to fax them a copy of the July payment (cancelled check). I did this within 5 days of recieving the call. Then within 30 days of faxing this information to them, they contacted me again stating the same thing. This is now 2004 and I am recieving calls on a weekly to daily basis. I have faxed them all the information that they required SEVERAL times and they are assessing me a monthly late fee of $30.
I have tried to refinance the house but due to a structural damage, I am unable to do this. My main goal to refinance was to not only lower the monthly payment but to mainly get away from Chase Mortgage. I have spent a lot of money in obtaining and faxing them proof that I have made my required payments, now I am losing several hundreds of dollars a month due to the inability to refinance.
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