On XXXX XXXX, 2015 I made a payment of {$1800.00} to XXXX XXXX XXXX XXXX, in satisfaction of my XXXX mortgage payment of {$1400.00}, due on XXXX XXXX. Per the terms of my mortgage loan, the additional payment of XXXX was to be applied against principal. On or about XXXX XXXX, 2015 XXXX XXXX XXXX transferred the servicing of my mortgage to US Bank. It is my understanding that when this occurred, the {$1400.00} portion of my payment was sent to US Bank at the time that the servicing was transferred, but the additional {$350.00} was retained. I called XXXX XXXX prior to XXXX XXXX to understand why the additional payment had not been sent, and they responded that the additional monies would be wired on XXXX XXXX. In reality, the monies were sent by XXXX on XXXX XXXX, with instructions that the payment should be effective as of XXXX XXXX. US Bank received the wire on XXXX XXXX, and applied the amount to my escrow account. I later called US Bank to have the additional {$350.00} applied to principal as of XXXX XXXX, but they would only apply it to principal as of XXXX XXXX. I called XXXX XXXX to understand the situation on their end, and they acknowledged that their system did indicate that the wire should have been sent on XXXX XXXX, but it was only sent on XXXX XXXX. However, they have asserted that they did include instructions within the wire that it should have been effective as of XXXX XXXX. 
