I was surprised to find OCWEN loan servicing on my credit report stating I had an "Open, active, past due 180 day Mortgage loan", opened in Nov. When I called them (wasted 1 1/2 hours I can never get back) I told them I have never received notice of their attempts to collect on my foreclosed mortgage and I requested the immediate removal from my credit report and to send me notification, as per federal guidlines, to validate the debt. I was informed that they were not a collection company, they were a mortgage servicing company and Chase bank had transferred my account to them. My home was foreclosed upon in 2009 due to the attrocious violations and misdoings of Chase bank, now, 3 1/2 years later, unannouced I have OCWEN, slamming this on my credit file, dropping my credit score 75 points and refusing to remove and stop collection??? I asked them how they go about "servicing" a loan which has been closed and property resold as part of the foreclosure action? It took several minutes as their answer was not found in the scripted answers they are told to repeat to unassuming customers. After much arguing, I demanded to speak to a supervisor. She sounded friendly enough, although kept contradicting herself as to who did what and how something gets on credit etc. She promised she would take off the trade line and asked for 24-48 to process. I questioned whether it would really happen and she became very defensive claiming she is a woman of her word, how dare I question her integrity... Blah. Blah all I can say is thank goodnes she didn't say may God strike her dead if she didn't do what she promised me, cause I would have had to spend 1.99 for a flower to send to her funeral. Not to make light of this, I am more fortunate than most as I can afford my own attorney to scrape this fecal matter off my shoes. But if a company is so willing and able to willfully work outside federal and state laws there is noone who is safe from what they are capable of doing, especially in a credit based society, where it is sooooo easy for a creditor to place slanderous, erroneous material on the credit reports and absolutely time consuming, difficult and in most cases expensive to have removed. If the consumers were automatically reimbursed by the creditors for what we go through to fix credit bureaus... Oh my! How excellent would that be???
0 comments