In XX/XX/XXXX, our mortgage service agent, Seneca Mortgage, again informed us that they were changing their organizational agent. My mortgage payments were always automatically paid by our bank for many years. We have never been late. While in the process of changing the address and other information for the new agent with my bank, I was interrupted by a client emergency. After the emergency was over, I forgot to finish making the changes required by my bank. As a result, the payment for XX/XX/XXXX was not made. We did not discover this error until the next month because when Seneca called me they could not talk to me because the mortgage was in my wife 's name even though I am on the deed with my wife. By the time we received a new billing statement, we were two months behind. I received a call from a collection person and advised them that I would be making XXXX separate payments to bring the mortgage up to date. The agent did not say that this would not be acceptable. The monthly mortgage amount is {$2000.00}. All payments tendered electronically by our bank have been returned as follows : XXXX/XXXX/15 {$2000.00}, XXXX/XXXX/15 {$4000.00}, XXXX/XXXX/15 {$2000.00}, and XXXX/XXXX/15 {$6000.00}. Seneca will not except tender of our payments. I have written a certified letter to Seneca 's CEO and the CEO of my bank 's payment agent XXXX. I have contacted the Federal Reserve Board ; and, they have advised me that electronic transfers made by a bank are legal tender and must be accepted. 
I request that Seneca accept full payment for the months in arrears, correct my wife 's credit report to indicate that the late payments were caused by Seneca and waive all penalties and additional interest. Since I can not tell you my name, I do not understand what is meant by " My information ''. This concerns a mortgage loan that was from refinancing our apartment XX/XX/XXXX. 
