Mortgage Autopay Systems Double-Charging Payments With No ACH Reversal Option
Mortgage servicer autopay systems erroneously withdraw double payments in a single month, confirmed by the servicer but reversed only via slow paper check rather than instant ACH. The extra payment is not applied to reduce principal or interest, effectively holding the consumer's money without benefit. Refund timelines of 10-15 business days cause significant cash flow hardship.
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