My mortgage payments were lowered by $90 last year, effective June 1st. When I changed my automatic bank payments, I made a mistake and started the lower payment in May. The mortgage company then didn't apply that payment to my mortgage and put it in a suspend account. When I made a payment in June, they applied it to May and so forth until I found out about in December when I tried to refinance. They also applied the money that was in the suspend account to the principal which made me 1 payment short on my mortgage. They finally reversed that payment and made my account current but they still want me to pay late fees and because my account now shows late payments, I was denied refinancing. I was never late, they just didn't apply my payments to my mortgage.