Business ProfileforAtlantic Bay Mortgage Group, L.L.C.

I pay my mortgage on time every month and have done so since moving into my home in Feb 2022. I use autopay from my bank to ensure that the payments go out correctly and on time. In April, my mortgage increased by $****** I was unaware of this change. My autopay continued to go out on time for $******* as it has for over a year. Because the payment was $***** short, Atlantic Bay reported me to the Credit Bureau and charged me a late fee of $*****. They did this without calling me or notifying me. They did this without calling to say that my payment was $***** short and that my payment had increased. My payment continued to go out as usual from $******* and again Atlantic Bay charged me another late fee for $***** and reported that I was late on my mortgage payment to the Credit Bureau because the payment was $****** At this point they sent me a letter from ******** with the first page of the letter discussing foreclosure. I called to discuss the matter with their customer service representative. Although she was very kind, all she was able to do was waive one late payment of $*****. I asked why no one called me when this happened. She informed me that the company sometimes sends automated voice messages regarding these issues but that my account was not opted into them. Apparently if you are not signed up for automated voice messages you get no call at all. Because of this, my credit score has already dropped over 40 points and I expect that it will drop further after the second "late" payment shows up in my history. There is no reason that this should not be resolved responsibly by Atlantic Bay. I would like a refund of any late fee that has been charged to my account. I was would like my account corrected so that my payments are marked as received on time. I would like Atlantic Bay to alert the credit bureau that they made incorrect disclosures regarding "late" payments so that my credit score can go back to where it was previous to this incident. Thank you.