Seneca Mortgage

Review: I had contacted our new loan service provider, Seneca Mortgage as a letter came in saying our payment was late.

When I checked my bank electronic checks, I found I mistakenly put in the new year as 2016, not 2015, so no e checks were going out.

I called Seneca and talked to a girl who said we had one missed month that was reported. I asked her if there was anything she could do, she said no, because it was too late. I understood, it was my fault. I asked her for the payoff and she gave me the amount.

I sent in an echeck that same day and found that check was refused because it was not the right amount.

I sent the check in right down to the penny asked for. Seneca still refused it.

I called Seneca and now they said I had two missed months!

I filed with Seneca a note to have all of this information reviewed. The review came back saying that they were right. Now, I made an error, I admitted it. But they refuse to own up to an employee making an error?

Their employee error hurts me dramatically. Before Seneca, I have zero missed payments, NONE.

I admit the first missed month was my error due to them buying out my last mortgage company.

But this error is all them.

I called today and spoke with Keith in the Elma center. All he would do is tell me that I was wrong.

Interestingly he admitted the girl should have told me I needed to process that payment by phone to be accepted.

I could have. I submitted the payment the same day through E-check!

Keith told me over and over that Seneca just reports facts.

The fact is, a Seneca employee did not tell me my payment HAD to be made over the phone only.

Seneca then REFUSED my payment in full.

Seneca then reported me as late an additional month.

I am asking the second month come off of my credit report. It's that simple.

They need to admit their errors and omissions and remove that hit to my credit report.Desired Settlement: Remove the second late charge to the credit reporting agency.

My refused check as well notes in their system show them I was calling in to straighten out the payments as well received a payoff check down to the penny they refused.