Mortgage company harassing me?

I'd be getting pissy too. Maybe you should try to up the payment day by a day or two to avoid it.

Also, next time they call tell them you wish to speak to their supervisor and don't tell them anything about the payment going thru already. If you tell them, they most likely won't let you speak to them. Plus..........call the agent that you dealt with in the beginning and let them know what is happening.

Last of all........if none of that works..........threaten to sue and actually write a formal complaint letter to them so you can have it documented.

They are bugging you because you are not paying on the due date, but taking advantage of their grace period. As you, if you go past that past due date you will be hit with late charges.

The purpose of the grace period is to allow for an occasional miss on the due date, particularly on a long term loan such as a mortgage. Note the term occasional, that means no more than once per year or less. Right about now, if you were to check with the bank they would categorize you as a chronic slow payor. Know what that does to your credit score?

I would suggest you go to them, hat in hand and tell them that it was a monumental misunderstanding on your part. Could they please remove any adverse comments from your credit file. Their response will probably be to give you a probationary period of a year, perhaps longer.

Learn the lesson my friend, they can only hurt you. If you were before a magistrate, the only question to be posed would be if you paid by the due date.

Call them (before they call you again) and ask them if possibly the due date has been changed on your mortgage. If not, ask them if you are up to date (although you feel you are)

Then ask them why they continue to call you. Put the ball in their court and have them do the explaining to you. Someone is confused and you should find out who. Good luck.