Our loan was bought by HomEq after we refinanced. Like most of the time that a company buys your mortgage, we had no choice or say in who bought the loan. This is, as I understand it, normal practice.
We recently contacted HomEq about restructuring our ARM. This process should have been fairly quick as it was an adjustment not a refinance, however we were concerned about the time it was taking and that we might be late on a payment. We expressed this to a representative at HomEq, and were informed that they would place a "freeze" on our account and any missed payments would be rolled into the mortgage with no penalties.
The problem is now they have reported us to the credit bureaus as late. We have tried to resolve this with them but have hit walls and run-a-rounds. (We do have the date/time of the conversation and employee ID of the adviser that said that they would freeze the account.)
The question is what organizations are the most appropriate to report this too?
(Sorry about the length of the question, and wasn't sure of the exact section to post this to)
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