[mortgage] What to do about this?

[Janit]

He wasn't describing a balloon payment here. It seems that his account was credited with a payment that he did not make. He is reluctant to report the incorrect credit because the incompetence displayed by the company suggests that any efforts to "correct" the mistake would likely over-correct and so screw him. It may be best to submit regular payments as though the "overpayment" had not occurred and wait to see if the error is corrected.

This periodic $150 assessment sounds like a real scam. If it is commonly written into the contracts of many of their customers, they may be assuming it is in his contract even though it is not.