I received a call from a representative named "Shawn" who didn't say "Please call Vanderbilt"; he said, "I EXPECT you to call Vanderbilt Mortgage." He called 10 minutes later and asked for me. He asked me why my payment was late.
I told him I would send it out at the end of the week. He demanded to know why it wasn't in on the 1st. I said I had other things to take care of. He demanded to know what I had to pay before the mortgage and I said it was none of his business, and I told him that I had already called and left a note with someone else saying when it would be paid.
He started yelling at me, and then he put someone else on, who said, "Your mortgage is due on the 1st, not after. We don't give grace periods." Which is funny, because I've always paid between the 1st and the 10th without any problems from them. I told them that if I was past the 15th, there'd be a late charge. She said, "Just because we don't charge a late fee until then doesn't mean there's a grace period." She started to threaten me with, "You'd better have it in by the 1st of the month from now on or else." She was so rude and loud that I had to hang up on her.
I called back immediately and asked for her supervisor. I told the supervisor that no one has the right to talk to me the way "Shawn" and this woman did.
I don't know if they thought I was going to meekly give in to that kind of abuse, but if they did, they were sadly mistaken.