I have a 2nd mortgage with National City. My payment is due on the 24th of the month and I have a 10 day grace period. I always pay by the end of the grace period. Today 9/2 I got a call at my office from colections telling me that im late and I gave them a payment over the phone. Then the collector started asking me why I'm late is ther a problem ect. I said I had no problem and why were they calling be berore the grace period and she said all loans go to the collections department on the 7th day of the grace period. Is there any way that I can stop them from calling my work if I pay before the grace period ends. Also I asked when I could make a payment at the PNC branches and she said it should be soon. at that point I said that would be great then she said to me I would have to make the payment 5 days before my grace period or it would not post to my account untill after my grace period and I would also have a late charge, I said to her that is not legal and she said to me thats how it works and if it were up to here there would be no grace period at all. What a great bank.