We have been paying our mortgage ON TIME with Provident for a long time. We mailed our April payment on time. Provident did not receive it - we have no idea why. All the other checks mailed at the same time, including a tax check, were received by the parties they were mailed to. Either the post office lost this payment or Provident lost it. We have never been late. This is not our fault. Now we are charged with a huge penalty. We asked customer service to waive or lower the payment for a long standing, good faith customer (which we are) and they refused. Other companies waive or lower penalty charges for good customers. Why doesn't Provident? When you choose a company to do business with, do not choose Provident.