Around XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX took over our home loan from another bank. The loan is now paid off but during that time we were having problems with the all the time. Problems such as we set up electronic payment and were advised AFTER-via late payment notice, that electronic payments were n't authorized. Then when we sent payment in by check, we received another late payment because they increased the amount without telling us so our payment was short. They told us they would clear all late notices and we would send in the difference which was {$37.00}. Yesterday I had a background investigation interview and was asked what the late payment to XXXX was about which was dated XX/XX/XXXX. We have no idea what that is about and I called them and they told me that they do n't show any late payments on our account. I would have to send in this problem via fax before they can investigate. Go ahead and XXXX XXXX and see all the unhappy reviews about them and see how many are just like mine. They are a very disorganized company and should not be in the home loan business.