[Noah930]

Is there anyone (regulatory body) to whom I can complain? Just asking for future reference, if this happens again.

I (on purpose) overpaid my mortgage last month. I try to do that every month, so that the 30-year plan becomes something like a 22-year plan. The "ticket" I return with my monthly payment allows me to itemize how much goes to additional principal/additional escrow/late charge/additional monthly payment/total amount enclosed. Obviously I always fill out those boxes to indicate my overpayment is to go to additional principal. It hasn't been a problem for the past 2.5 years.

Until now. Last month I made a particularly big payment (trying to "catch up" on some overpayments I haven't made in past months). I filled out the ticket like usual--just with a higher value in the "additional principal" line. And wouldn't you know it--those rat b@$tards at Citibank slyly decided to apply my extra payments to the regular payments for the next 2 months. I only caught their underhandedness because I reviewed this month's monthly statement which indicated how much of last month's check was allocated to principal vs. interest, and also indicated that the next payment would be due...in 3 months?!

So guessing what they did, I called Citibank and supposedly cleared it up. (We'll see when I call back on Tuesday.) But I shouldn't have to. I have my suspicions on how shenanigans like this go on by the mortgage lender. If something like this happens again in the future, to which regulatory body do I file a complaint?

On one hand, no harm no foul. But there's no harm because I'm anal retentive and follow up on this stuff. Had I not, then I would have lost out and the bank would have made more money off me. That's not right.