Mortgage originator sold my mortgage to U.S. Bank, I had already made my first payment to Mortgage XXXX, the originator, the next payment is due to US Bank, which I could not setup an electronic payment for the first payment, hence my need to send a check. Although payment is due on the XXXX it is not considered late until the XXXX. I mailed a check on the XXXX of XXXX and on the XXXX of XXXX I received a call from US Bank 's collection department looking for payment, a payment which was already sent! As I understand, the law states a creditor must provide a letter in writing if a customer is delinquent, as I have already made my payment and am still within the grace period why I am being harassed by collections? I suffer from XXXX and had a severe XXXX XXXX because of this call! 
