Mom, this is crap. Parson my french.you need to get your refinance papers together to prove you have a refi contract. It will greatly help to also get copies of the 7 years of checks you sent. Fortunately, if you lost them, your bank will have them and while it will likely charge a fee to get them, it is not too crazy, relatively. Once you have your proofs, send a letter showing your proofs (copies only!). Tell them that if they foreclose and or otherwise make defamatory statement against you, false statements of non-payment - you will have no choice but to sue for defamation, in addition to violations of the Fair Credit Reporting Agency (FCRA) if they defame you to the Credit Reporting agencies. Be sure to always send any mail to them certified r.r.r. and to follow up all phone calls with a confirming letter, also cert. r.r.r. If they ignore and file for foreclosure, you can get it dismissed and can likely file a counterclaim for all of these things - and use an attorney, because FCRA provides that they will have to pay attorneys fees for your troubles.
Get your justice, I can't stand that things like this are happening to people who are actually paying appropriately.
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