horsegal305

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About horsegal305

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  1. So far since Chase was unwilling to send us the paperwork we need I have disputed the late payments through the 3 bureaus. I heard back from 2 but not the 3rd. It's now been 30 days. What do I do now?
  2. Ok, so it's been 30 days and so far no reply from Transunion on a dispute, now what do I do?
  3. CM in that case, we did find the error's when they charged us for both insurances, at which time we called and had them correct, only to have to do it every month for 8 months. I think that alone shows how ignorant the company is.
  4. KK my brother in-law lost his house due to a modification with chase. He was behind so they told him he might qualify for it, so during this time he didn't make payments. He was already behind to begin with and that's why he needed to do the modification and what is was for. Well, he did all his paperwork sent it in and they "DENIED" it, by this time he was so far behind foreclosure was next. After they sent me the big packet in the mail I started doing my homework on these modifications and soon learned that most people who did them got screwed, so that's when we refused it, sold a bunch of stuff and got caught up. I will NEVER have another loan with Chase.
  5. KK I wish you could come to my house and help me with this lol. I do have some of the supporting paperwork. I have the statements from Cotton states showing the extreme increase in insurance, which I didn't get until I called them and made them send me copies. I have some of the Chase statements showing the increase in payments, but I don't have the ones where it went up to $1000 a month which is part of the reason I wanted them to send all the documentation from 2010-2014. I don't understand why they would refuse to send it unless of course it shows negligence on their part. I have all the paperwork from when we bought the house including the original paperwork from the insurance. The insurance company Cotton states at some point sold out to a company called Country Wide while we still had insurance through them and I never received anything from that company. It's all a big mess. CM, I can see your point, but when people buy a house and expect to pay a $600 and something mortgage many times it's not going to be in their budget to pay almost double that. A lot of this falls on the shoulders of the insurance company but Chase should have seen some sort of red flag. We had to do all our own investigating as to why our payments were going up so high, Chase did nothing. When we finally figured out what was going on we changed insurance and then paid 2 homeowners insurances for almost a year because even after a cancelation letter was sent to Cotton States AKA country Wide, we once again had to do all the work for Chase who never seen a red flag and allowed it to go on. We literally had to call them every month, they took off the 2nd insurance and it was on there again the next month, and of course by the time this was resolved each month the payments were late. I am disputing this through the credit bureaus and Chase. I have tried to contact an attorney but it's hard to find one for this certain subject.
  6. I understand the payments wee still late, but the fact of the matter is that the payments were never what they were supposed to be during that time and Chase never fixed it. And now that we need supporting documents to show a new bank they refuse to send them. most of this was done over the phone and not in writing.
  7. I need some advice please and this is a "not so common situation". I have already started the dispute process with the credit bureaus but so far they haven't removed any late payments, which has caused us a lot of problems. I didn't know these were on there until we sold our house and went to buy another one. I have all my facts written down and will copy and paste it, let me know what you think? Also, when disputing this should I send a copy of everything that happened to the credit bureaus in full detail or will they not care? I bought my home in October of 2001 with a total monthly payment on a fixed interest rate of $665.33. Our payment stayed the same until around 2010. It began going up more and more with no explanation as to why. While trying to make our regular monthly payment we realized it was constantly changing. By 2013 our payment was extremely high. After many conversations with many different Chase customer service employees we finally found out it was due to escrow and the homeowners insurance going from $400 yearly to $3,141.78. We were never informed of the price increase from Cotton states or Chase and had to make several phone calls to Chase before we finally found out why our payments were so high. Living on a budget and having our house payments go higher and higher made things very difficult. This went on from 2010 until January of 2013. We then cancelled our insurance with Cotton States and got homeowners insurance with Shelter Insurance with a premium of $971.00. Chase never canceled the homeowners insuarnce with Cotton States even though we sent a policy cancelation letter, so this had us paying insurance for both Shelter and Cotton states which was a combined amount of $4,112.78 a year which sent our payments even higher. By now our payments were close to or over $1000 a month. I do not have a copy of that and Chase refused to send us one. We recently moved and all my paper work is stored away, the last high payment invoice I could find was the $864.77 from 2012 but it went up even higher by 2013. Every month we would call Chase to resolve this issue which by the time it was resolved the payments were once again late, and month after month Cotton states was put back on our account even after a customer service rep said is was taking off. This was not fully resolved until the end of 2013 which by this time our account was so messed up we had a hard time catching up. Chase reccomended we do a loan modification and sent us all the paper work and during this time we were not supposed to make a payment which now reflects 90 day lates on our credit history. We never did the modification nor should we have had to since this was not any fault of ours. Cotton states finally refunded us for the money they owed us for the year of 2013. By the Fall of 2014 Chase finally had our account straightened out. Our payments finally went back down to where they were supposed to be and not a single late payment was made until we sold our house in 2016. Since then we have been trying to get a mortgage and these late paymets have made it impossible. I had no idea these were even on my credit report until I went to get a new mortgage. We contacted chase and asked for records of all the problems we had from 2010-2014 and they would not send it to us. We needed a history of the insurance increase and the escrow showing they paid 2 homeowners, which they would not send either. They only sent us payment history from 2015 & 2016 which did not help us when applying for a mortgage since this didn't show all the problems and why we were late throughout 2010-2014.