Notified by mail of AHMSI taking over mortgage and in the letter there was no mention of there being a service charge for paying 'ontime online'! I would have sent a check ahead of time if I was made aware of this!! After reading these 'ripoff reports' no way was I sending a check in the mail!! I have never been late and have never been charged by any of my online billing companies a so called 'ripoff service charge'!! Sometimes when you pay on the phone there may be a charge, but they tell you 'pay online... read full review »