I have a VA loan through Stonegate Mortgage XXXX XXXX XXXX, I prefer to make my payments on the XXXX and the XXXX, it simply prevents me from using any of the money that needs to go into my mortgage and is a convenience for me. Stonegate has been taking my payments from the XXXX, placing it in a holding account and NEVER applying it to my mortgage. Then, they reported me to credit reporting agencies AND charged me a late fee, when I was actually early and paid them more than my actual mortgage. 
