First off-I bought home in June-I have made all of my mortgage payments on time and have the check stubs online to prove this. I received a call from BAC Home Loans Servicing, LP Collections Department at 8:20 PM. I missed the call but promptly called it back when I realized it was BAC Home loans. Once I reached a representative, she said that I was a payment behind. I explained no I was not, but she would not listen to me. She asked me if I was in WA and proceeded to give me HUD’s number. I explained that my Mortgage check went... read full review »