Perhaps the word MORTGAGE escaped your notice. Commercial loans are not fixed rates? SHE refers to the "commercial loan" as a MORTGAGE--which means it can be one of a myriad of different types---and a fixed rate is very common. Since she doesn't specify explaining to her that fixed rates cannot be altered because of late payments IS correct.

The question was CAN THE BANK CHANGE MY INTEREST RATE of my MORTGAGE ( her word ) BASED ON MY LATE PAYMENTS?
The answer is no--interest rates for MORTGAGES that fluctuate do so to reflect the current interest rates, and is not based on non payment or late payments.

It doesn't matter if it is a mortgage, traditional, commercial or otherwise---if the loan is at a set rate, late payments don't change the interest rate.

Cite a reputable source that gives ANY lender the right to change a fixed rate note , commercial, personal, or otherwise.

Also, you ignored the balance of my posting regarding small claims.

Figures.

Follow my example of how to respond to a posting by addressing the ISSUES, not name calling.

This isn't personal. It is about misinformation. Stop making it personal with silly name calling. Hate for the ADMIN to nab another one of your postings