AmeriNational Community Services, LLC

Initial Business Response / [redacted] (1000, 6, 2015/06/26) */ ***See attached corresponding documents Re: Case [redacted] / [redacted] Dear [redacted] , This letter is in response to the complaint filed by Ms [redacted] dated 6/15/and received by AmeriNational on 6/18/I'll address each of her concerns here Ms [redacted] is concerned that funds she pays above her payment amount are being applied to interest rather than principal I have reviewed the loan history and all extra funds have been applied to principalThe enclosed letter that I sent her today explains the interest method of her loanshe contacted our office on Sunday, 6/14/and requested that our response be sent by emailI've included copies of those emailsI also talked to her by phone today as discussed in the attached letter Ms [redacted] asserts she contacted AmeriNational in January and did not hear back Our staff member called the phone number that was provided by email, thoroughly explained the payment application to the co-borrower (husband), and followed up with a letter that encouraged her to contact us with additional questionsMs [redacted] spoke to AmeriNational staff twice days after that letter was mailed to discuss a payment she made from an account without adequate fundsShe did not express any concerns about her previous inquiry at that time Ms [redacted] said we refuse to provide a breakdown of the minimum amount due and how much goes to principal and interest The borrower pays $more than the payment amount due by ACH each monththe borrower received a temporary coupon book in September of and a regular coupon book in January of that stated the payment amount dueThe amount was also discussed when she made her payment by phone on 2/23/to cover the ACH payment that did not go throughAs detailed in the attached letter that was mailed to her, her loan type does not split the payment based on an amortization schedule but rather the number of days between paymentsThis is to the borrower's advantage as interest is only charged on the actual principal balance for the number of days outstanding rather than by schedule Consumer's Desired Resolution: As the payments have been applied with extra funds going to principal as appropriate it is not applicable to reverse and reapply any paymentsShe was actually undercharged interest for the payment that replaced the one that was reversed because of uncollected fundsWhen the payment was reversed the "interest paid to date" was not adjusted for the reversal and she only paid for days of interest rather than daysWe will leave that posting as it stands since it is to her benefit Please feel free to contact me for any clarification or additional information Sincerely, Teresa [redacted] Mortgage Servicing Manager Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/07/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) The first time that this company called, they called my husband, instead of meHe doesn't take care of the finances, so he assumed that the call was a telemarketerAmeriNational was given my phone number, not hisThey should have called me instead of him AmeriNational told me on the phone that they charged me so much interest in the first payment because I didn't pay until days laterThat is because they told me to pay so late! That is NOT my faultI would have happily paid sooner, if given the optionThey purposely waited the days so that they could collect all that interestAmeriNational NEVER gave me the option to pay soonerIn fact, I had no idea who to send payment to until way past a month+! Wanda [redacted] claimed that she would tell me in a letter whom to complain to about this oversight, but I do not see a name and phone number in the letter that she sent, as promisedBecause of this, I want the full first payment of $applied to the principle thenOr, at least, $to the principle and $to the interest, as it should have been in the first place Final Business Response / [redacted] (4000, 13, 2015/07/21) */ ***Corresponding documents attached Final Consumer Response / [redacted] (3000, 15, 2015/07/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) They are just passing the buck, blaming a previous companyI didn't receive any coupons to submit payment earlierI will have to contact the previous company, since they won'tThey didn't offer to help in anyway

As a data furnisher, we are required to report accurate information to the credit reporting agencies every monthAfter a through review of the request, we have determined that the credit information reported was accurate and as such cannot be altered or removedAdditionally, all of the borrowers phone calls were returned/addressed by a company representative in a timely fashion Attached is the letter sent to the borrower in response to their complaint explaining this

AmeriNat has further reviewed the terms of the Loan Modification and determined that the late fees should have been waived per the terms of the modificationAmeriNat has sent the borrower the attached letter and enclosed a check for the late fees that were paid at the time the loan paid off

AmeriNat paid the amount of property taxes billed by the countyWhen the borrower called on 12/20/regarding the Annual Escrow Analysis Disclosure statement he received He stated the taxes paid were too high as the county had not issued a Homestead credit on his primary residence but did on his investment property in error We was directed to contact the county to have this correctedAs a result of the county error, the county issued a refund for several unrelated properties to our tax service provider and it was received by them on 1/11/ Before funds could be released by the tax service provider, a reconciliation was neededThis resulted in an out of balance and the tax service provider is still working with the county for resolution As a standard, accounts are not adjusted until the refund is receivedHowever, on 1/26/after speaking with the borrower, borrower's monthly payment was recalculated based on the lower amount of taxes that are projected to be paid in This was communicated to the borrower on 1/26/during a phone call and via emailOn 1/26/17, our phone system was down for a few hours due to a problem with the service provider's phone lines in the area This was communicated to the borrower on the phone call we had on 1/26/

Attached you will see the response letter which was mailed to the borrowerPayments are posted on the same day they are received assuming all information needed to locate the loan is included with the payment – accurate loan number and/or payment couponThe borrowers September payment did not have either of these and required an additional manual reviewThe waiving of the September payment was a courtesyPer the date stamp on the check, the payment was received after the grace period had endedLate fees are applied to accounts when the payment is not received before the end of the stated grace period as defined by the loan documentsThe amount of the late fee is also document definedIf the borrower would like to confirm AmeriNat’s receipt of payment, borrowers may access their account anytime online via LoanLink or contact customer service directlyCustomer service is available Monday through Friday from 8:am EST to 8:pm EST

Initial Business Response / [redacted] (1000, 5, 2015/07/30) */ When the borrower's payment was returned from the issuing bank as non-suffient funds, a letter was sent to the borrowerThis letter was sent 6-4-As a result of the borrower's check being returned, the account became due for the May paymentThe funds for the May and June payments were both received past the day grace period and late fees were accessedI have agreed to waive on of these late fees We have no record of calls or emails being recieved that were not returnedI have sent the borrower the attached response

A call has been made to the borrower to discuss her account and answer her questionsAll payments received from the borrower have been posted to her mortgage accountShe did not understand why she was getting collections lettersIt was explained that here account is past due as she is paying lateShe did not understand why all of the payments made in were not showing on the year end statement from AmeriNat Her loan transferred to AmeriNat for sub-servicing effective 9/1/15, payments made to the prior servicer will not be reflected on the AmeriNat history or year end statementShe will need to contact the prior server for a payment history prior to the servicing transferThe increase in payments was due to her account having an escrow deficit due to an insurance premium increaseWe are currently working with our client and the borrower regarding the escrow deficit and payment amount

They are not reporting accuratelywe took out a home improvement loan in We lost our home in to foreclosureIn the home improvement loan defaulted because of our foreclosure situation , we had both lost our jobs and were unemployed for yearsThis home improvement loan is years oldwe have never agreed to make payments to AmeriNatThey are claiming that the payments we agreed to make when the loan was first taken out are what they are now claiming is or more days lateThey call this a mortgage, and they say it is an Annual paymentI don't understand how days late and annual payment go togetherThey are calling this a mortgage, and their is no mortgageWe don't have a mortgageAs far as MrMerritt saying they always return calls, that is not true either, I left messages for him to call me, one on 3/13/and the other on 3/14/2017, he never returned either calls --------------------------------------------------------------------------------

Initial Business Response / [redacted] (1000, 5, 2015/05/05) */ Borrowers account was delinquent at the time of transfer to ACS for servicing effective 6/5/After review of the account, it was found that the incorrect next due date was set up, it should have been 6/1/not 2/1/Upon review of payments posted it was found all payments received were posted, however they posted as principal only not principal and interestAll the payments were reversed and reappliedThe current outstanding balance is $10,and the next payment due date is 12/1/A letter has been sent to the borrower explaining this and a copy of the Promissory Note and Loan history were includedIt is recommended the borrower contact out Collections and Loss Mittigation Department as soon as possible Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/05/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) How can the next payment due date be 12/1//98? I have made payments and the error of not applying the payments to both principal and interest is the fault of the companyI believe in an effort to defraud my accountMy account balance was listed approximately $10, and because the payments were not applied to principal also, I will be treading water instead of reducing the balance with this deceptive practice Final Business Response / [redacted] (4000, 9, 2015/05/15) */ Further researched borrower's account and found that it was serviced by a collections agency prior to transferCollections agency added unpaid late charges to principal balance before loan was boarded with our companyspoke with our client and they agred to reduce the principal balance by $bringing principal from $10,to $9,due date is still behind as payments were not received for over years throughout the loan termprovided borrower a letter of explanation and a copy of the reconstructed payment history that details the month payments were received as well as the months no payments were receivedAdvised borrower to contact Collections and Loss Mitigation to work on a plan to bring account current

Attached you will see the response letter which was sent to the borrowerPayments are posted on the same day they are receivedLate fees are applied to accounts when the payment is not received before the end of the stated grace period as defined by the Loan Documents AmeriNat offers
multiple payment methods, including ACH which is free for the borrower to useFor a fee, online payments and check by phone payments are also available payment methodsTo confirm AmeriNat’s receipt of payment prior to the end of the grace period, borrowers may access their account online via LoanLink or contact customer service directlyCustomer service is available Monday through Friday from 8:am EST to 8:pm EST

Initial Business Response /* (1000, 10, 2015/09/04) */
The borrower was issued a refund on 8/27/after she submitted her request in writing and a copy of her bank statementThe duplicate Check-by-Phone payment was an error
As a response to this complaint, the attached letter was sent to Ms
***

Initial Business Response /* (1000, 5, 2015/06/01) */
ACS processes payments the same business day as receivedPer Mr***'s Note, payments are due on the 1st of each monthHis payments are consistently received between the 14th and 18th of the monthTwo late fees have been acessed this
year; Febpayment received on 2/17/and May, payment received 5/18/Each late fee was $8.15, the fees will not be waived
Since the payments are due on the 1st of the month, Mr*** should ensure payments are received prior to the 15th to avoid a late feeACS has two other payment options; Check by Phone, payments posted same day if call is placed before 2:Pacific Time, there is a $fee for this serviceThe other option is to set up automatic paymentsPayments are drafted from borrowers bank account automaticallyThis service if free of chargeThe attached letter, copy of the borrower's Note and an ACH Authorization Form have been mailed to Mr***
Initial Consumer Rebuttal /* (3000, 7, 2015/06/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Their response is a vain attempt to color, distort and avoid the factsTheir response supports my contentions that these late fees are a result of them PROCESSING payments, not when they are actually RECEIVED AT THEIR LEGALLY DESIGNATED MAILING ADDRESS,but in certain cases, days later.They completely ignore and avoid the fact that they are closed on the weekend and do not check their p.o box.Payments RECEIVED at their p.o.box on Sat.are not PROCESSED until the next week
My payments are due on the 1st but what they fail to mention is that I have a grace period until the 16thThe late fee is suppose to be applied only to payments RECEIVED after the 16th.It says RECEIVED AFTER THE 16TH not PROCESSED AFTER THE 16th.If the payment is RECEIVED at their designated legal mailing address, the p.o.box, no later than the 16th, there should be no late fee
When you look closely at the late payments,you see the problemThe Febpayment was PROCESSED on the 17th not because they RECEIVED it that day but because they were closed from the 14th-17thI mailed the payment well in time for them to RECEIVE it no later than the 16th.they were closed but their post office and their p.o.box were open.Based on the fact that the payment was PROCESSED on the 17th,I believe the payment was RECEIVED at their designated legal mailing address, the p.o.box, during the weekend that they were closed.Their being closed on the weekend results in payments RECEIVED at their legally designated mailing address not being PROCESSED until days later- HENCE LATE FEES
Look at the 5-18-payment.Once again, the 16th was on a weekendI believe the payment was RECEIVED at their p.o.box no later than that Sat.the 16th.They are closed on the weekend and do not check their p.o.boxIt does not mean the payments were not there by the 16th, it does mean that the very next day, after the 16th that they are open and able to check their p.o.box, the payments were there.These late fees only occur when the 16th is on a weekend and they are closedThe very next day that they are open, the payments are in their p.o.box
My agreement says late fees will be applied to payments RECEIVED AFTER THE 16THno where does it say payments must be RECEIVED by the last business day before the 16th.It says if RECEIVED AFTER THE 16th, not if PROCESSED AFTER THE 16th.They are closed on the weekend so mail RECEIVED at their mailing address is not being PROCESSED until days later.The payments should be considered RECEIVED if they are delivered to their p.o.box no later than the 16th.No where does it it say if PROCESSED no later than the16thNor is there any mention of business days.No where does it say payments are due no later than the 16th unless the 16th is on the weekend or holiday
I believe they are intentionally committing a form of consumer fraud.They are aware that they are closed on the weekend and that payments RECEIVED their p.o.box are being PROCESSED days laterLate fees are being charged based on when they are PROCESSED instead of when they are actually RECEIVEDMy loan agreement and even their payment coupon states that only payments RECEIVED after the 16th will have a late fee applied.I AM SURE THEY KNOW THE DIFFERENCE BETWEEN received and PROCESSEDIt is a form of consumer fraud
Final Business Response /* (4000, 9, 2015/06/15) */
response; sent borrower the attached letter of explaination of how payments are processed when received on non-business days and how late fees are accessedThe borrower's payment is due on the 1st of the month and there is a day grace period before late fees are accessedOn the payments that were accessed late fees, the payments were received after the grace period

I am rejecting this response because:Thank you Ms *** for your response, but the information provided is Not satisfactory as I asked the company to detail each line itemAlso there is No Escrow balance per the transferring loan companyI have paid my own taxes and insurance for the last yearsI Also noted that since I was not given the opportunity read the document prior to signing and we had problems with numbers before, I wrote Arr after my name for All rights reserved..The amount is a fraudulent amount..Therefore I am disputing the amount and will forward emails

Initial Business Response /* (1000, 10, 2015/07/02) */
AmeriNaitonal Community Services is servicing this loan for HFH Central AZServicing began effective 6/1/The payments we have received have not been the full payment amountThis has caused the account to be past dueThe account is
escrowed for taxes and insurancePer the annual analysis, the payments changed effective 2/1/The payment amount increased to $New coupons and the analysis were sent to the address on file and mail was not returned to usOn 6/1/15, the borrower informed us that the mailing address was incorrect and was the property addressThe account has been updated
The borrower has made a payment to bring the account currentLate charges have been waived for the payments received late Feb- June The credit reporting correctly reflects the borrower's payment history
The memos on the account reflect many messages left for the borrower to call regarding the status of the accountThe borrower did not return phone calls
A response letter is being sent today to the borrower explaining this informationIncluded with the letter is a copy of the escrow analysis with the updated payment amount and payment coupopnsThe account is now due for the 7/1/payment
A copy of the letter and the attachments has been uploaded
Initial Consumer Rebuttal /* (3000, 12, 2015/07/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Upon reviewing AmeriNational's response I only agree with the waiver of late feesI do not agree with them on the reporting to credit bureausFor one, no-one has contacted in a timely fashion to inform me my mortgage was past due or "short paid"It's been over a year they've been handling my account and I was first contacted by them on 5/27/Upon receiving my first call on 5/27/15, I immediately attempted to rectify the issue, however, AmeriNational did not have and accurate account of received payments, nor an accurate account of the amount due at the time I was contacted on 5/27/(my conversation with Hector)My emails have gone ignored other than the fact they updated my address and started sending me harassing letters, threatening to further report late payments to credits bureaus, although my file was under review for their mishandling of my account since the first day they took over my mortgage in June AmeriNational made no attempt to research the May missing payment that was remitted to Neighborhood Housing Services (NHS) as they were still managing my mortgage in May I had to provide AmeriNational a copy of the cleared check, which again was reported as a late payment to credit bureausIn September 2014, AmeriNational mailed an impound/maintenance refund check to me, at that time shouldn't they have seen my account was not current and contact me then to rectify the issue? Furthermore, checks are issued by my banking institution as I utilized online bill pay, these checks clearly show my current mailing address, further demonstrating AmeriNational had my address on file since they began managing my mortgageA copy of the cleared check is attached
AmeriNational made no attempts to respond to my emails dated 5/27, 6/and 6/30, I made every attempt to rectify this discrepancy with no cooperation from AmeriNationalAttached are copies of the emailsThe only communication I've received thus far is debt collection letters and phone callsNo-one seemed to care about the urgency to research and correct my accountAttached is payment history, clearly demonstrating I have been a responsible homeowner paying my mortgage on time since AmeriNational began managing my mortgage
On 6/26/I received a letter from Cristian *** at which time a representative by the name of Connie assisted meI advised Connie I received a letter from Cristian stating they have days from the date on the letter to respond to my disputeI advised Connie they should technically be going by the date of 5/27/since that was the initial date I filed my dispute via email and a response is due on 6/29/Connie stated Cristian was gone for the day and she would have Cristian contact meConnie further stated she emailed Cristian to expedite the dispute and have it completed by 6/29/I contacted Cristian again on Monday, 6/29/(because I couldn't rely on Connie since she may be the same Connie *** that has ignored my emails), requesting a return callI also followed up with an email on 6/30/since Cristian did not return my call, emailed attachedI received Cristian's Error Resolution And Or Dispute Response Letter when I returned from vacation on 7/6/Again, I feel Cristian rushed to complete the review of the file to meet the day deadline and again, inaccurate information is reportedThe outdated contact information Cristian refers to is an error between AmeriNational and NHS, not meThe June payment was submitted and cleared my account on 5/28/(refer to attached payment history), which would have definitely made it to their office by 6/29/15, which is the date of the Error Resolution And Or Dispute Response LetterCristian finally returned my call on 7/6/15, only to inform me my mortgage has been recalculated to $501.55, when I was just told on three separate phone conversations by two representatives and one supervisor (Hector (5/27/15), Jamie (6/9/15) and Robert (6/22/15) my new mortgage payment, effective 2/1/is $During my phone conversation with Robert on 6/22/15, Robert stated my account was current with my next payment due in July in the amount of $I asked Cristian to provide me an itemized statement informing me how they arrived to this amount ($501.55) and provide me my current balance since I'm still being advised of a miscalculated monthly mortgage rate, while my credit rating is still being impacted by their incompetencyI advised Cristain I made my July payment in the amount of $and should be arriving any day now since I utilized Online Bill PayAgain, this payment is "short paid" because I was advised otherwise that the mortgage amount is $effective 2/1/I asked Cristian am I required to pay the difference from February through the July to bring my account current or does the $payment Jamie requested I make on 6/9/cover it? I contacted Cristian a few minutes after our phone conversation on 7/6/and requested a call back from his supervisor, Robert (today is 7/8/and I have yet to hear from Robert)On 7/7/I made a payment in the amount of $for a total of $for July, which I hope this reflects my account being current
Is it even legal that AmeriNational is impacting my credit rating when they have not:
-properly notified me of the mortgage discrepancy starting with the May payment;
-provided me the correct monthly mortgage amount to date;
-made no attempt to contact Habitat for Humanity or NHS to verify my mailing address;
-made no attempt to match payments/issued checks against the residential address and mailing address
Before the mishandling of my account I had excellent creditThis is so frustrating that AmeriNational has ruined my credit due to their negligence, even the letter dated 6/29/states they reported on 6/10/"account reported days or more past the due date", all the while this is under review and all I'm constantly told by AmeriNational representatives is they'll continue to report to credit bureaus as long as my account shows past due although I've explained to them the error of the May payment and lack of notificationAt this point I would like AmeriNational to prove they've contacted me prior to 5/27/I expect this proof to be by recorded messages representatives left on my voice mail requesting a return call because anyone can fabricate a call log and notes in the systemAgain, I am requesting my credit rating be restored due to AmeriNational's incompetency and negligence in handling my account accurately and on the basis of insufficient notification of missing mortgage payments during the transfer of my mortgage account from NHS to AmeriNational, beginning with May
Final Consumer Response /* (3000, 16, 2015/07/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did work an agreement out with Mr***, Director of the Default Dept at AmeriNationalHowever, will I be provided documentation from the credit agencies showing a credit correction was submitted and my credit profile has been updated?
I just want proof because I don't want to have to go through all this again
Thank you
Final Business Response /* (4000, 18, 2015/07/28) */
We contacted Ms*** via telephone on 7/23/2015, and informed her that a letter was sent out on 7/17/2015, indicating that AmeriNational corrected her credit reporting and that her account was now currentMs*** appeared satisfied with this action as she indicated she needed documentation showing the correction was madeWe also re-sent her the letter that was originally sent 7/17/certified so we can verify that it was receivedThe re-sent copy went out 7/27/

Attached you will see the response letter and corresponding documents which AmeriNat has mailed to the borrowerAccompanying the letter you will find a payoff quote which itemizes all outstanding amounts owed by the borrower on the loanAlso attached is the original modification agreement which
shows what the borrower agreed to in terms of the amounts owed following the Trial Modification payment planAs described in the letter to the borrower, it is the borrowers responsibility to pay those outstanding amounts per the modification agreementShould the borrower have any additional questions, they may reach out to customer service which is available Monday - Friday from 8:am to 8:pm EST

With our previous response, we provided a line item detail via a payoff statement showing the amounts due. The language in the modification agreement (also provided in our previous response) clearly show there were advances to tax and insurance that were unpaid at the time of the modification. Outstanding balances as described in the modification were transferred to AmeriNat from the prior servicer. These amounts are not fraudulent. We have provided a copy of the signed modification as well as a payoff statement delineating the amounts that are due to complete the borrowers payoff. We have no further documentation to provide.

As a data furnisher, we are required to report accurate information to the credit reporting agencies every month. After a through review of the request, we have determined that the credit information reported was accurate and as such cannot be altered or removed. Additionally, all of the borrowers...

phone calls were returned/addressed by a company representative in a timely fashion.   Attached is the letter sent to the borrower in response to their complaint explaining this.

Initial Business Response /* (1000, 6, 2015/06/26) */
[redacted]See attached corresponding documents.
Re: Case [redacted]
Dear [redacted],
This letter is in response to the complaint filed by Ms. [redacted] dated 6/15/2015 and received by AmeriNational on 6/18/2105. I'll address each of her...

concerns here.
1. Ms. [redacted] is concerned that funds she pays above her payment amount are being applied to interest rather than principal.
I have reviewed the loan history and all extra funds have been applied to principal. The enclosed letter that I sent her today explains the interest method of her loan. she contacted our office on Sunday, 6/14/15 and requested that our response be sent by email. I've included copies of those emails. I also talked to her by phone today as discussed in the attached letter.
2. Ms. [redacted] asserts she contacted AmeriNational in January and did not hear back.
Our staff member called the phone number that was provided by email, thoroughly explained the payment application to the co-borrower (husband), and followed up with a letter that encouraged her to contact us with additional questions. Ms. [redacted] spoke to AmeriNational staff twice 10 days after that letter was mailed to discuss a payment she made from an account without adequate funds. She did not express any concerns about her previous inquiry at that time.
3. Ms. [redacted] said we refuse to provide a breakdown of the minimum amount due and how much goes to principal and interest.
The borrower pays $65.64 more than the payment amount due by ACH each month. the borrower received a temporary coupon book in September of 2014 and a regular coupon book in January of 2015 that stated the payment amount due. The amount was also discussed when she made her payment by phone on 2/23/2015 to cover the ACH payment that did not go through. As detailed in the attached letter that was mailed to her, her loan type does not split the payment based on an amortization schedule but rather the number of days between payments. This is to the borrower's advantage as interest is only charged on the actual principal balance for the number of days outstanding rather than by schedule.
Consumer's Desired Resolution:
As the payments have been applied with extra funds going to principal as appropriate it is not applicable to reverse and reapply any payments. She was actually undercharged interest for the payment that replaced the one that was reversed because of uncollected funds. When the payment was reversed the "interest paid to date" was not adjusted for the reversal and she only paid for 4 days of interest rather than 35 days. We will leave that posting as it stands since it is to her benefit.
Please feel free to contact me for any clarification or additional information.
Sincerely,
Teresa [redacted]
Mortgage Servicing Manager
Initial Consumer Rebuttal /* (3000, 8, 2015/07/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The first time that this company called, they called my husband, instead of me. He doesn't take care of the finances, so he assumed that the call was a telemarketer. AmeriNational was given my phone number, not his. They should have called me instead of him.
AmeriNational told me on the phone that they charged me so much interest in the first payment because I didn't pay until 49 days later. That is because they told me to pay so late! That is NOT my fault. I would have happily paid sooner, if given the option. They purposely waited the 49 days so that they could collect all that interest. AmeriNational NEVER gave me the option to pay sooner. In fact, I had no idea who to send payment to until way past a month+! Wanda [redacted] claimed that she would tell me in a letter whom to complain to about this oversight, but I do not see a name and phone number in the letter that she sent, as promised. Because of this, I want the full first payment of $350 applied to the principle then. Or, at least, $284.36 to the principle and $65.64 to the interest, as it should have been in the first place.
Final Business Response /* (4000, 13, 2015/07/21) */
[redacted]Corresponding documents attached.
Final Consumer Response /* (3000, 15, 2015/07/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They are just passing the buck, blaming a previous company. I didn't receive any coupons to submit payment earlier. I will have to contact the previous company, since they won't. They didn't offer to help in anyway.

Good afternoon,Attached you will find the second letter in response to the borrowers complaint. We have also included the borrowers payment history as a means of backup to our response. Their account has been reported accurately in correspondence with our records and we will therefore be unable to make any changes to their credit report at this time. As a data furnisher, we are required to report accurate information to the credit reporting agencies every month. The attachment will be mailed out to the borrower today. Thank you,

AmeriNat has further reviewed the terms of the Loan Modification and determined that the late fees should have been waived per the terms of the modification. AmeriNat has sent the borrower the attached letter and enclosed a check for the late fees that were paid at the time the loan paid off.