Screwed again!

Well, I guess I should have seen this coming. Although I regularly pay a little extra on my mortgage payment each month, the $4500 the I recently paid was mis-applied. Surprise, surprise. It happens almost every time I pay more than the usual extra principle payment. What I can't figure out this time is where the money went! On my online statement, they show a payment of $3583 and a second principle-only payment of $917. Fine. Breaking down the numbers, however, the good folks over at Abn Amro applied the $3583 as follows: $462 applied to principle, $955 in interest (yep, that hurts!), and $373 applied to escrow.

Now, I took algebra in high school, so I'm fairly confident that 462+955+373 only equals my normal mortgage payment of $1790. So why, may I ask, does the applied payment total say $3583? Where is my extra $1793 that should have been appled to my principle???

I was even more frustrated when I called them at 4pm on Friday, navigated through 5 call routing options only to find out that their customer service center was already closed. Oh well, I guess I'll get in the phone queue first thing Monday....