For the past XXXX months I have received notices that my mortgage payment was past due. I 've been paying my mortgage on time, through my financial institution, for XXXX+ years. For the past XXXX months my mortgage payment has been applied to a credit card that I also have with this company. This is odd since I have n't used this credit card in more than a year and it has had a XXXX balance during this time. I have sent them proof from my banking institution showing the funds were sent on time each month showing my loan number, yet I continue to get calls from collections. I have spent HOURS on the phone with the mortgage company, spoken to multiple people, put on hold for excessive amounts of time, been transferred to incorrect departments, been told that my banking institution was responsible for the error, and disconnected more than once. I 'm sure you realize that each time I call, the story has to be explained to a new representative ( who usually asks multiple questions ). XXXX months ago, while on the phone with the lending company, and learning that my XXXX mortgage payment had been applied to my credit card account XXXX the one with no balance ), I requested they close the credit card account so that I would only have one account with them XXXX my home loan ). I was transferred to the credit card department and the account was closed. Unfortunately, my next XXXX mortgage payments were applied to this CLOSED account. After another round of phone calls, I was told that yes, indeed, the credit card account had previously been closed at my request. So, how can my mortgage payment continue to be applied to a closed credit card account?? 
