Vanderbilt Mortgage And Finance
Loan Transfer Caused False Behind Claim and Constant Harassing Calls

Our home was financed thru Chase Mortgage in 2000. We were never more than a few days late in our monthly payments, until 2003 when we underwent a bankruptcy. Even then we never got more than 30 days behind. We made arrangements with Chase to defer one payment, thus enabling us to get back on schedule. I even started paying MORE than the minimum amount, hoping to get ahead.

HOWEVER, in Dec Chase sold our account to Vanderbilt. I followed all the instructions in the notification letter I received, mailing my (on-time) Jan 2 payment to the Vanderbilt address given.

Vanderbilt did not post it to my account until the 10th or 11th! The check cleared MY bank on January 12. The next morning Vanderbilt attempted without authorization to DRAFT an additional payment from my bank account! Fortunately, there wasn't enough in the account to cover it.

After MANY phone calls, faxes, etc., they repaid me for the overdraft fee, but now they are constantly harassing me. They insist that I am a month behind.

I have repeatedly faxed my entire 2004 payment history to them, ck #'s, payment dates, etc., but they refuse to admit that my account is in good standing. I get harassing calls at work, at home, even leaving messages with my BOSS!

How do we take action? Isn't there a government agency of some kind that is supposed to protect us from these type of vultures?

Company: Vanderbilt Mortgage And Finance
Country: USA
State: Tennessee
City: Maryville
Address: 500 Alcoa Trail
Phone: 8004861203

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