Honolulu HomeLoans, Inc

RE: Loan Number: Case Number:***Dear Mr*** and Ms
***:I amin receipt of a complaintfiled through the Better
BusinessBureau on your behalfdated April 13, 2015, regarding the applications of your payments.Let me begin by extendingmy most sincere apologies for the concernand inconvenience that youhave been experiencing.When your payment in the amount of $was received on December18, 2014, itwas not applied as intended
As such, the funds are being reapplied to your Januarypayment,with an effective date of December 22, 2014.As a result of this reapplication, your Year-End statementwill require adjustmentsThis will be completedand sent to you in a separate mailing.Any fees that you incur as
a result of refiling your taxes will be reimbursedPlease send proof of fee(s) and payment(s) to the following address for said reimbursement:*** *** ***
* *** *** *** ***
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*** *** ***On January 23, 2015, your payment in the
amount of $was received.This amount was applied towards your FebruarypaymentOn February 12, 2015, another transaction occurred on your account in the amount of $that wasapplied towardsyour March paymentAs this was a duplicateapplication of theous paymentreceived on 23, 2015, and not a new payment, we reversed this transactionYour loan became due for the March payment at this
time.On April 13, 2015, and April 17,
2015, we received two payments,each in the amount of $850.00.The payment receivedon April 13, was stoppedand will not be applied to your account.The funds received on April 17, 2015, will be applied to your April payment.***Mortgage Servicing *** *** *** *** *** *** *** *** *** *** *** *** ***
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Once our transactions are completed, your loan will be due for the May paymentWe have placeda stop on your accountto prevent any negative credit reporting while these adjustments are being completedAdditionally, we have submitted a credit correction to the credit bureaus to which we furnish information, toremove any negativecredit previously reportedas a result of this matterPleaseallow up to calendardays for this adjustment to appear on your creditreportsIn the interim, you may use this letteras confirmation that the correction has been submitted.Please be assuredthat all late fees that have been assessed to your accounthave been waivedas they are not your responsibility and we have placed a stop on your account to prevent any additional fee assessments while we make the necessary
adjustments to your account.Again, I sincerelyapologize for the manner in which your payments have been ***I assure you that we will work diligently to ensure that this matter does not occur again in the future.If you have any questions, pleasecall me at *** ***.Research Department

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted].   How do I go about clarification on the letter?  On the letter, the following statement is not clear to me:"On January 23, 2015, your payment in the amount of $850.00 was received. This amount was applied towards your February 2015 payment. On February 12, 2015, another transaction occurred on your account in the amount of $850.00 that was applied towards your March 2015 payment. As this was a duplicate application of the previous payment received on January 23, 2015, and not a new payment, we reversed this transaction. Your loan became due for the March 2015 payment at this time."This is not clear to me on whether the reversed payment for March will be reapplied.  My assumption is that Honolulu Home Loan will apply the reversed payment to payment that was due in March.   April payment has been applied as indicated in the letter but the March payment is not clear to me.  I spoke with several Honolulu Home Loan customer service reps throughout this ordeal and made payments as they recommended.   That is the reason why two April payments were made in April, with one of the payment stopped. Thank you very much for your assistance with this matter.  The situation has been very stressful to my elderly parents and to me as well.  I can't thank you enough for your help. 
Sincerely,
[redacted]