I have made timely monthly payments to First National Bank ( FNB ) on my land mortgage for more than three years. It is an interest only loan whose term expired at the end of XX/XX/XXXX. I have been unable to refinance this loan because FNB recorded a late payment on my credit report in XX/XX/XXXX and XX/XX/XXXX despite receiving payments. Two FNB loan officers at different locations have attempted to refinance the loan but failed because of the FNB entry on my credit report. Three other lending institutions denied my loan applications for the same reason. FNB failed to respond to all attempts I have made to resolve the issue but continue to accept my monthly payments and also added a " late payment '' penalty of {$7500.00} to my balance. Now, FNB has referred my account to a debt collector who is threatening to foreclose on my property. 
