I originally Refinanced my Home Loan with Owning Corp for low rate, no closing costs and 2 months of skipped payments? My loan went through May 2020 June and July were to be skipped? August 2020 my loan was sold to Cenlar? ok whatever I started making payments to Cenlar Aug 2020 Sept 2020 Oct 2020 Nov 2020 Dec 2020 In Nov 2020 I receive a call from Owning talking about your payment for July 2020 is past due? What I ignored since June and July were to be skipped? I paid Owning July 2020 since they were threatening my credit??? What Nov 2020 there is a Mis Application Reveral on my account which made my Nov 2020 with Cenlar past due?? Cenlar authorized a transaction on my account without informing me? Is this legal. Now Nov is Due and I should be expecting a check: What is this? I pay Dec 2020 mortgage to CEnlar they post that to Nov, Now Dec is past due I need to make another payment? What? This is shady moves? I call Cenlar and Owning several times no response no answeres and no refunds!!! I contacted BBB on Owning fir asking for another payment from Cenlar for July which I already paid , On Cenlar for paying Owning without my authorization? Customer service on both companies are horrible but to be expected since they work together to jack people? Not Ok Owning and Cenlar are liars and thieves 0000000000000000000000000 stars