I am also one of those unlucky families whose mort...

I am also one of those unlucky families whose mortgage was sold from Bank of America to Nationstar.

I have been paying my monthly mortgage payments on time for 10 years to Bank of America and to an average of 7 credit cards for 15 years. Recently on Nov 1, 2013, Bank of America sold my loan to Nationstar Mortgage. My payments were programmed to be paid automatically inside of Bank of America Billpay system. Starting on Nov 1, 2013, Bank of America stopped processing my payments and I was not aware of this decision until I read a letter from Nationstar which I received at the middle of November.

After being diligent of making my payments on time with Bank of America for 10 years, I firmly believe that is unfair that my credit history and score gets enormously affected due to this internal decision agreed between Bank of America and Nationstar. My credit score was affected with the argument that I was 2 months behind my payment. This is extremely unfair due to the following reasons:

1.-My monthly payments were programmed to be paid on time inside of Bank of America. I had the necessary funds in my bank of account to support the programmed payments. Based on this, I firmly believe that I am showing responsibility and my intention to have the payments to be paid on time.
2.-The letter sent by Nationstar gives an opportunity to many misinterpretations:
a) Letter said I had a window of 60 days to start making the payments directly to Nationstar. I always pay on the 5th of every month so if the loan was transferred on November, I thought I had until January 5, 2014 for making a payment. This is the reason why I paid on January 3rd the payment for November and December.

I hope that someone can help me by determining that a report of being 2 months behind my mortgage payments is an enormously unfair judgment based on my credit history and for the reasons that I am describing above. Please help me to delete this unfair report which is greatly affecting my business. If anyone who can open my report, he/she will be able to see my behavior on making payments on time for so many years. And if I maintain a high ratio of using most of the credit lines available, that is because I use that credit to operate my business in real estate.