US Bank Collection department calls me at work and at home before the grace period is over. I have a 15 day grace period and I usually pay on the XXXX. Sometimes they call me even after I paid. I have never been late in my mortgage payment. My mortgage is new. However, I had an equity line of credit with them starting in 2007 that I paid without ever being late. This has never happened to me before on my prior mortgages with other banks. No other bank would use their collection department to reach a customer when the grace period is not over yet. When I contacted them and asked them to stop this they sent me a convoluted letter which did not answer my question and they kept calling after that. I want them to stop harassing their customers when they are not late and honor the grace period. What kind of a bank wants this type of relationship with its customers? I have an excellent credit rating and have absolutely NO late payment record. 
