XXXX XXXX, 2015 - Called XXXX / US Bank Home mortgage because I discovered that additional/extra payments were being applied to future due payment, not towards additional principal. Spoke with XXXX to resolve, he advised that previous payments can not be changed and that I must send in paper checks or pay on their website ( allowing ACH ). Asked to escalate to management and was disconnected. Called back and spoke with multiple people : senior representative, XXXX ( ID ROM ), team lead, XXXX XXXX, XXXX ' manager, XXXX XXXX. Was advised they will reverse only future monthly payments towards additional principal and will not correct retroactively. 

XXXX XXXX, 2015 - Called back and spoke with XXXX. Informed them they only applied two extra payments towards additional principal and then reverted to future monthly payments. XXXX advised she will correct this and while putting me on hold the call was disconnected. 

It has been more than one year since I called them last XXXX. I do not know how long before that date my extra payments were not being applied towards additional principal. Despite calling them multiple times, the issue still still remains unresolved. I have even set up two monthly payments for different amounts per their request with the memo stating " additional principal payment, '' and yet my payments are being applied towards future due payments. This lack of correction on part of XXXX XXXX / US Bank Home Mortgage is costing me a lot of money every month and making them a lot of money every month. 
