My husband and I had to file bankruptcy last year and have been in a battle with Chase Mortgage ever since. The paperwork we signed specifically stated that we were going to reaffirm the debt. We have been paying on the house every month since we have lived here. We have never been late, and have never gotten behind on payments. For some reason, our credit reports show Chase as reporting our mortgage debt to be included in the bankruptcy, the account closed, and a zero balance. We have written to Chase, our lawyer, and the credit bureaus, but all three are like talking to a brick wall. Nothing has been changed or corrected despite all of our attempts. This is preventing us from purchasing a new home, as we are being greatly affected by the negativity on our credit report. Has anyone dealt with a situation similar to this, and if so, what advice do you have? What else can we do?
2006-10-05 19:30:20 · 4 answers · asked by Anonymous in Business & Finance ➔ Credit
Honey, boom, you are knocking at the WRONG DOORS!
You need to get the FEDS involved.
Call 1-800-613-6743
Also, contact the OFFICE OF THE COMPTROLLER OF CURRENCY to get them on the case like the F.B.I.
Use hyperlink and READ about complaint process and take action.
2006-10-06 02:32:16 · answer #1 · answered by DaMan 5 · 0⤊ 0⤋
I hope you have documents to prove you've paid in full. If so, keep calling and sending mails to Chase and the credit bureaus. It may take awhile, but they will get irritated and eventually work on it.
Harassing (for lack of better word) credit bureaus will work on other credit issues too. :-)
If you don't want to deal with it personally, work with a credit repair agency. It'll cost you, but it'll save you time. Just make sure the credit agency is reputable.
Good luck!
2006-10-05 19:41:52 · answer #2 · answered by xugu 2 · 0⤊ 0⤋
Carrington is doing a similar challenge to us. We also stay in FL. I DID call THE coverage organisation 3 cases. Had a three way call with the coverage co. who suggested the examine develop into despatched to the incorrect PO container in the incorrect city????? 25 days later Carrington nevertheless has no longer paid the coverage and we received our Cancellation observe the day surpassed by. we would want to have paid the coverage co. ourselves if we had the money and had no longer already paid it in our loan funds. AriJWR.....that's no longer continually as effortless because it type of feels.
2016-12-04 08:04:36 · answer #3 · answered by ? 4 · 0⤊ 0⤋
10 yrs ago, My Ex Husband were buying a house...from Chase Manhatten.....we were never late on our house payments either....but for some reason.....they REFUSED to acknowledge that we even paid them for a period of 8 months!....they were putting our house into foreclosure!.....& we had only been in it for 8 mo's.....OMG!...despite calling everytime we got a notice....& faxing/mailing them copies of money orders....& even going, one day, to an actual branch of the bank to get some help.....
We finally figured out what was happening.....the address we were sending it too.....was wrong!....yes, it was to the bank...but apperantly, it wasnt to the right DEPT!....UGH!...so they located 8 mo's of our payments on our escrow account & not on the payment....something like that....it was sooooo frustrating.....
They were also putting this on his credit...which was making it difficult for us to do certain things...
I know it isnt what u r going through....just wanted to share my experience with them.....UGH!....
GOOD LUCK...
2006-10-05 19:40:30 · answer #4 · answered by mysticfairy74 5 · 0⤊ 0⤋
No.
2006-10-05 19:39:11 · answer #5 · answered by Anonymous · 0⤊ 0⤋