CitiMortgage is the mortgage lender for borrower having a first mortgage lien. Due to an escrow account analysis the mortgage company increased the mortgage payment by approximately {$35.00} for the month beginning XXXX XXXX, 2015. The borrower inadvertently neglected to increase the payment by the {$35.00} for the first payment coming due on XXXX XXXX, 2015 and the mortgage company without notice to the borrower refused to apply that mortgage payment to the underlying loan. The borrower began making mortgage payments on XXXX XXXX, 2015 in the increased amount but the lender without notice to the borrower only applied the XXXX payment to the XXXX payment due. The same thing happened with the XXXX XXXX and XXXX XXXX, 2015 payments. When borrower made loan application for a new auto during the month of XXXX 2015, he discovered that the mortgage company had been reporting him 4 months past due thereby significantly damaging the credit rating of the borrower. Again, lender never gave borrower written notice or any notice that his loan payments were continuing to be applied as late simply because the mortgage payment was increased by {$35.00} due to an escrow account analysis. Borrower has not been able to obtain a mortgage loan to purchase other investment properties, and he was charged a higher interest rate with which to purchase a car. 
