Horrible Bank - Their Errors Have Affected My Credit

The only reason that I gave them a one star rating is that I couldn't give them a 0 rating.  They incorrectly changed my address, so I missed getting a statement.  When I called them about the missing statement they apologized for the error and when I asked if they were going to report the late payment they assured me they wouldn't.  When I received their statement I made the payment and it was appliied to the most recent installment, not the one past due.  Through a whole series of mistakes, I am now 2 months ahead on my mortgage, with 2 late payments.  I will never deal with them again.  I'm convinced that they specifically made the "error" on purpose, hurting my credit rating so that it would be difficult to refinance my 6 1/2% motgage.

I'm though with them, where they are not incompetent, they are just inconsiderate.

chasbo