We have a mortgage on a condo in FL. We have been making regular on time electronic payments for close to 22 months. In XXXX 2016 the mortgage servicing company did not post our payment. Our bank statement showed that the payment had been sent, the amount deducted and received. The transaction was marked completed by the bank. I called the mortgage servicing company and asked them to check on it. XX/XX/XXXX came and I made the payment and the same thing happened. The money was deducted but the mortgage servicing company again did not acknowledge receipt. I have made a call per week to the mortgage servicing company with no satisfactory resolution. Yesterday I received a certified letter telling me that we are in default. Today I have again made calls to the mortgage servicing company and my bank to send proof of payment. 
