I have been a customer of LoanDepot for a year and havebeen making timely payments on the same date everymonth through my online banking. Although submittingpayments on time in the past three months and the moneygone out of my account, I was told by LoanDepot that mypayments were not being received. No troubleshooting orassistance was offered as to root cause of the issue and Iwas afraid of fraud, otherwise I could not explain why themoney was gone out of my account but not received. 
LoanDepot advised me to call my bank and the bank saidLoanDepot is not cashing the payments. I called LoanDepotand my bank a couple of times and no one was able to help. 
Finally I called the LoanDepot XXXX number listed in myonline banking. They said they are the XXXX XXXX officeand because I am on the East Coast I should call a differentXXXXXXXX number. I then noticed the PO BOX on mymonthly bills was no longer a XXXX XXXX address as I havebeen making payments to for the past 8-9 monthsbut a New Jersey address. The last transaction went through XX/XX/XXXX but the XX/XX/XXXX payment did not. I did not receiveany notification from LoanDepot that due to the PO BOXchange my payments will not go through as of XX/XX/XXXX. 
Why could n't they clarify this for me the first time I calledand let them know the money is gone out of my account? 
As a result my credit was affected and even though my bankprovided the Good Faith evidence of timely paymentsLoanDepot is not willing to rectify my credit reports. I showone late mortgage payment through no fault of my own. Mycredit dropped significantly. I need assistance working withthe lender to correct this error with the credit bureaus. 
I made all payments on time with proof from the bank and itis only right that my credit reflects that. Thank you. 
