I have a loan with New American Funding with a first payment due on XXXX XXXX 2015 and payable by no later than XXXX XXXX, 2015 to avoid a late fee charge. I checked with the company to be sure that I could submit advance checks for the mortgage amount to be credited each month and NOT TO BE CHARGED AS A LUMP SUM PAYMENT REDUCING THE PRINCIPAL. I was told I could do this and was given instructions on how to ensure the transactions occurred as I wanted. On XXXX XXXX, I mailed XXXX individual checks for each month : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX with a memo on each check for the appropriate individual month 's payment. I sent a letter of explanation ; reiterating my conversation with the NAF rep. On XXXX XXXX I noticed the XXXX payment was not entered on line. I called on XXXX. XXXX and was told that due to the new payment system NAF " is at least 10 days behind posting and my payment should be posted Thursday and there would be no late charge even though the posting date would be real time. On XXXX XXXX I checked my bank statement and there is a transaction for each month 's check reducing my bank balance. On XXXX XXXX I called and was told that the corrections would be made within 7 days per the instructions I had originally submitted -- that there was an indication of a " notation in the system '' but it is not clear what it is - that the problems with their payment system are now corrected. I asked when would the corrections be made and she said she would call me to confirm the transactions have been corrected. I am skeptical because my instructions were clearly understood from the beginning ( or I was made to understand so ) and it appears they were ignored. I want to be sure the corrections are made, my instructions are followed as indicated in my letter to them and my follow up telephone conversations, that my bank account is reimbursed for the funds taken for XXXX, XXXX, XXXX, and XXXX. I do n't know what benefit resolution could accrue to be because they have debited by account 15 days prior to the XXXX mortgage due date, but if there is any I would like to know. If there is little or nothing in that regard, I will settle for the amount of the check for the XXXX 2015 mortgage due to be properly processed as requested and that New American Funding ensure that this problem is fixed and no customer has to endure this kind of stress of ineptness in the future ; especially when so much is done up front to avoid problems and confusion. ( See uploaded documents for details of this matter. ) 
