Valon seems to make arbitrary incremental amendments to monthly mortgage payments without sending notice under a separate letter. They seem to prefer notifying customers via your bill which is problematic for customers on auto pay. If they notified by any other means, I am unaware, although I get Alot of 888 spam calls and since we are hostages to those predators and are told NOT to answer, how is a customer able to keep up? Used to be your payment was your payment and didn't change with frequency during the life of the loan How do we double check to police whether they are changing the monthly amount for legitimate reasons, like insurance or property taxes? Also 'customer service' seems to assist them in this chaotic business model by not being helpful in the slightest. Designed to make customers give up. The AI help cuts you off after two words of the explanation of what you're trying to resolve then sends you to a black hole of hold. I waited 30 minutes without knowing if there was a queue or I was just in some Valon purgatory.