"a payoff fee" to do it.

This started a few months ago. I went online to pay it off, and when I put in the entire principle amount, it wouldn't let me. I called and asked and they said I couldn't pay anymore online than that without paying a $25 payoff calculation fee. I decide to wait. So, I paid whatever it let me and figured I would pay it the next month - it left around $2,000.

So the next month, I go to pay it off again, and it would only let me pay around $1,100. I call back and they tell me again I can't pay it off without the $25 payoff calculation fee. Now I am getting annoyed and this is going to be a sport. Unfortunately, when I mailed the check with my calculated payoff, it didn't make it by November 30, so I had a balance of $5.99.

The next step of the battle is I use my bank's pay online and send off the $5.99. Instead of the mortgage company applying it against the principle, they apply it to "other funds". I get my February statement notice (technically the last payment I made was the January 1 payment statement) and it says I owe $6.01 and it is due February 1. So I call today and ask if they can apply the $5.99 sitting in other against the principle. They tell me that they can't do it without charging a $25 payoff calculation fee. I tell them that I know what the payoff amount is, so I don't need a calculation. I suggest it will be a lot cheaper for them if they just take care of it, but to no avail. No way am I giving up on this thing at this point...

I read the small print on the back of my statement and it says, "if you make less than the full payment, we will hold it in other until we receive the full payment". So today, I am going to send off $0.02 electronically. This is actually pretty funny to me. Hopefully my bank lets me send a $0.02 payment...

Oh, and I have said many times on here that paying off your mortgage is an emotional decision. I still think that, although with the tax law changes, the deductability of my mortgage interest only benefits me every other year (because I double pay tithing), so there is more math to it now for me, but I still think it is an emotional decision, and I can live with that. Market has been too high for me for some time so I figured I might as well put some of my cash to use and pay off my mortgage.

I will update if the saga goes on...