I'd give less than one star if I could. In 20 year...

I'd give less than one star if I could. In 20 years of home ownership I have never had to call any mortgage company about messed up payments and then PHH came into my life.

PHH just took over my current 5 year old mortgage. I sent my first payment from my banks bill pay as I have always done and when I checked a few days later on their website I see it applied as an additional principal payment rather than my monthly payment. So I call and they tell me it will take a week to reverse it and apply it correctly. I Then ask them why this happened and all they can say is maybe they applied it wrong. So now every time I pay I have to follow up to make sure it's applied correctly or do my payments through their websites.

Way to bring things to a new low.