I lost my job, so I immediately call Pacific Union Mortgage to ask for a payment deferral. It took them a month, but granted me 3 months with a payment of {$5.00} each month. When the first money payment of {$5.00} was due, I went online as I always had and they took off my online payment option. I sent them several emails asking them to fix this problem I finally gave up and sent in a check for {$15.00} ( 3 months ). After several months now, I call to find out why my credit score went from XXXX to XXXX, they said my payment deferral agreement is now void since my {$5.00} payment was late. I had to take a job in XXXX and almost was not able to even rent a house to go back to work because of them. I had to pull money from my XXXX to pay the extra deposit the landlord wanted. I called and told the woman on the phone to get a supervisor to call me to fix this problem since a late payment of {$5.00} is completely ridiculous to void my agreement. My payments were always on time since I obtained the loan with them. They almost want to destroy my credit when I was only unemployed for 5 months. I am a XXXX XXXX and have n't made less than {$XXXX} a year salary in years. 
