On XXXX/XXXX/2015 we called Statebridge Company to make a payment. Statebridge first stated they would not accept a payment because our loan was in default. When I disputed that fact the Statebrideg representive stated that it didnt matter and that our payment was past due and that we had to the full amount Total Past Due : $ XXXX.The representative once again refused to take the payment. I reminded him that the Consumer Financial Protection Bureau ( CFPB ) has issued the final rules that implement residential mortgage reforms of the Dodd-Frank Wall Street Reform and Consumer Protection Act. And one of the rules pertain to prompt-payment crediting. Servicers must promptly credit payments from borrowers as of the day of receipt, including principal, interest, and escrow. If a payment is received that is less than the amount due, the servicer may hold the payment in a suspense account until the amount in the suspense account covers the periodic payment. Statebridge has violated the rules pertaining to prompt-payment crediting to a consumers account. When I informed the representeive that he was violating federal law under Dodd/Frank and the CFPB rules and that he was required to accept my payment and he tranfeered me to his supervisors voice mail. 
On the same date I contacted a XXXX XXXX who is allegedly XXXX of the XXXX SPOC and emailed her the following : Dear XXXX XXXXI would just like to notify you that Statebridge Company refused to take a payment over the phone. We will file a complaint with the CFPB and we will record this violation on any future litigation that may be filed. 

I deny that our loan is in default and your refusal to except a payment is in violation of federal and state laws. 

If you have any comments or suggestions to resolve this matter you may contact me at this email addressSincerelyXXXX XXXXOn XXXX/XXXX/2015 I resent the same email and have not received a response. 
Statebridge seems to show a pattern of making it difficult for consumers to make their payments or not taking consumers payments at all. We belive that this may be an organized attempt by Statebridge Company to rack up fees and illegal forclosures on customers, by claiming consumers are not making their timley payments. 
