Ok, I am currently in the process of trying to resolve this in a friendly manner, but I am using this forum to document my interaction.
Let me start by describing the problem. When HomEq purchased my loan from Freemont Investment, I did not recieve a bill for over 60 days. When I did get an invoice I was informed that I was late with my first months payment.
I called them and informed them that I did not get a bill and that I wanted to bring my account up to date. I was told by the representitive that I was talking ot that there is sometimes a delay in the billing when a loan is purcahsed, and that he could get me set up on a payment plan to catch up on that missing month, and it would not reflect negetivly on my account or my credit. I made all my payments on time (and have the bank records to confirm that).
I did a credit check last month and was floored when HomEq reported that I was not only over 30 days late on one payment, but two.
I contacted HomEq and told them the problem and they told me I had to fax a request for an investigation. I did so, and a few weeks later recieved two letters in the mail, one saying that they needed to do a more in depth investigation, that may take up to 30 days, the other saying sorry we cannot correct the problem.
I called to get let them know that I have the bank statements the prove that I was not late on 2 payments, and they tell me that I have to fax another request. I asked for a phone number so I could talk to someone about the issue, and was told that that department does not have a direct line. Ok... If there is not something fishy with a company who only lets you deal with them through fax communication I don't know what is. But I am continuing to jump through their hoops and sent another fax... With more info about the paper trail I have that proves that I did nothing wrong.
So this is where I am now... I am trying to deal with an entity that keeps itself hidden away from direct communication, who even though I was told that they would work with me to correct THEIR mistake, not only did the opposite, but then falsely reported my billing history to the credit angecies.
I will post more as more info comes my way, but at this point this company has some very wrong policies, and if things are not done to correct them will see yet another legal
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