I too have been getting the same treatment for CMS. I won't go too much into details but we too got snowballed into late fees and partial payments not reflecting in our accounts till weeks later. And now I have the funds to take care of this matter and the wrong paper work is being sent, and still being told I am building up MORE late fees. I not sure what they want? I been put in foreclosure and they stopped taking my payments. Not sure what else to do.