Every State seems to have their own Mortgage / Finance Department. The mortgage in question is with "The Money Source Inc" which as far as I can tell is based in New York State (though their mortgage division is in Connecticut). I live in Oregon State, and this is regarding a second home in Arizona.
My 4 options:
- Arizona Department of Financial Institutions
- New York State Department of Financial Services
- Oregon Division of Financial Regulation
- Connecticut Depart of Banking (Consumer Mortgage)
The issue (likely not relevant to my question):
To sum it up, they have cashed a check but refuse to have it reflect on a statement. This occurred due to an increase in property taxes we did not receive notice of (until a mortgage statement with a "suspended") payment and late fees + collection notices. This being the very first notice of any kind.
At this point, negotiation attempts are inconclusive. They are basically asking me to double pay because "they won't accept a payment for a partial amount" even though they did cash that payment and money has left the account (but not applied to the balance).
Edit Thanks for the answers! Fortunately, this was finally figured out. The Money Source was not to blame and I won't be filing a complaint. This was as issue with the original closing (before our current lender even had the loan). Basically, not enough (but more than double our normal payment) was added to escrow at closing. A huge tax shortage existed, in the end The Money Source was awesome and even paid late dues on the Taxes etc. once they figured out the real source of the issue.