Mid June got harrasing phone calls from Homecoming Creditor stating we were late on our June mtg. Payment. We knew that was incorrect because it is an auto debit. We have never been late on this mortgage. Called them that day, turns out we had an equity shortage and the pymt. Had increased but Homecomings / GMAC had bothered letting us know that when it occured in April. The rep. Also indicated the harrasing phone calls are because they had been taken over by GMAC and the GOVERNMENT is making them do this! They said we owed about $450.00 to make acct current and it would not go on our credit report if we paid by the end of June. We paid it right then! June 26th we get an emergency credit alert from FICO saying our credit score dropped 100 points because Homecomings / GMAC mtg reported we paid our June payment late! (IT'S STILL JUNE!) Remember, we paid the fee's they asked for MID JUNE and it's STILL JUNE! I have received no response other than the emails I have in writing saying that we would not be reported if we paid the fees which we paid. The website never indicated when we signed on each month that we were late on anything and we NEVER recieved anything in the mail! They have RUINED our credit with unfair credit reporting! Amazing that hard working people who NEVER miss a HOUSE PAYMENT are reported by GOVT OWNED Mtg Company and they are bending over backward for those that can't or WON"T pay their mortgage! Thanks OBAMA! Brilliant!
0 comments