Help me Clark! I have a missing mortgage payment

MYRON:
I paid my mortgage with U.S. postal money orders which were sent certified mail. The company representative signed the registered receipt, but there's no record showing that I made the payment. I am now being asked to pay the mortgage again as well as late fees. What can I do?

CLARK:
That is a terrible situation. What you do first is contact your state banking regulators and tell them what's going on. In each state, mortgage companies are regulated either by the state banking department or some organization of similar name. And that's who you file a complaint with.

You must also contact the mortgage lender back and say, "Let me tell you what I'm doing. I filed a complaint against you with my state. I'm also filing a complaint against you with the Office of the Comptroller of the Currency." That's at OCC.gov. And let's see if that doesn't start getting them moving because you've done everything right. You've documented everything with the money orders and the certified mail. Shame on the lender.

For more advice from Clark, tune in to Clark Howard Saturdays and Sundays at noon and 4 p.m. ET on HLN.