How about this story - I don't see what my mistake is.  We have had a mortgage with CCO since 2003.  Had our payments and extra deducted every month.  No problem until the very end - their collections office has called us 3 times and sent us one letter claiming that we have a late payment and they will report us/have reported us to the credit bureaus. Why?  Because our final payoff amount was last month and was less than our regular payment amount.  They did not deduct it from our Charter One checking account as they have since 2003.  They did not send us a letter telling us to make the final...