In December of last year, Cardinal Financial screwed up our mortgage payment and charged us twice. Then they NSF'd both payments and refused all future payments. We had to pay our January mortgage payment **3 different times** before they accepted our payment. For the past 8 months they have been refusing our payments and then unleashing their pit-bull creditors on us - who call us at all hours of the day and night, every day of the week. When their creditors call, they accuse us of criminal activity, deception and non-payment. We have NEVER been late on our payment! We have tried paying them online through their portal, over the phone, by check from different accounts. Always are rejected. Then they have assess fees on our account. They are charging us double the going interest rate. They flat out lie to you on the phone, bait and switch and scam you. The harassment is unbearable. I have made notes of the date and time and recorded their lies and they just state every representative/department is different and has different rules. I have sent multiple letters to them and cc'd them to the Federal Reserve Bank and Fair Housing. I have formally requested a federal audit of their processes and systems. No response. Their vicious creditors still call every day. They still refuse are payments and then charge extra fees. I don't know what to do. They are a TOTAL NIGHTMARE! How can I get them off my back? Please help!