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None. My husband and I closed on a loan in XX/XX/2020 and began making payments in XX/XX/2020. We made payments for XXXX, XXXX and XXXX automatically via a recurring ACH setup through the companies customer portal ( https : //my.academymortgage.com ). At some point the loan servicer changed as the mortgage was sold. We were not provided any letter documentation noting to change payments. In XX/XX/2020 my husband and I began receiving letters of default from Academy Mortgage. They accused us of missing payments for XXXX, XXXX, and XXXX. Upon talking to an academy mortgage representative, it was discovered that our servicing had been sold to some other part of academy mortgage and the payments we were sending within academy mortgage were not going to the new holder of our mortgage, academy m