I pay my mortgage on time. Although the payments are taken out of my checking account immediately, they are not applied to my account for several days. 
On XXXX XXXX, 2015 I received a notice that my mortgage was over XXXX days late. I also had a late fee attached to my XX/XX/XXXX payment. I contacted the company ( LenderLive ) and was told that the money I paid online for my XX/XX/XXXX mortgage payment was applied to a fee that LenderLive was supposed to tell me in XX/XX/XXXX that they believed I owed. I do not owe any fees to LenderLive. I refinance my mortgage with XXXX, fully paid XXXX, and they sold the mortgage to LenderLive. I received a letter from LenderLive in XX/XX/XXXX that my account was in good standing, I pay on time, and yet I suddenly owe over {$1000.00} and not only was the representative unable to tell me exactly what it was for, they reported me as delinquent to the credit reporting agency!!! I now have a credit score dropped by XXXX points because of money I do not owe. I did NOT authorize LenderLive to apply my mortgage payment to whatever it is they applied it to, I do not owe anyone money, I should not have had a late fee applied, and where is the $ XXXX dollars that were not applied?? I paid $ XXXX and they used $ XXXX for unauthorized purposes, did not credit me the remainder AND fraudulently reported me to the credit bureaus!! 
