I am having the same difficulty with this mortgage company. They bought it from GMAC late 2008 and I have had nothing but 'errors' with them. I received a letter dated July 22, stating my monthly payment had not been received. I also received a cancellation notice from my homeowners insurance company due to non-payment. Then I received the letter, dated July 24, 2009 that "as of Sept 1, 2009" my loan was past due and provided me a list of 'solutions' to bring my account current! Then I received a Loan Statement, notifying me that $66.78 was due and on the same sheet, it shows a credit of $572!!! I did speak with them this morning and the letters were sent 'in error'; however, little explanation was given on the amount due or how it came about. They were more than happy to fix it. To say the least, I am on the phone today trying to re-finance my mortage with some other company!!