Credit Union will not report $0 balance after discharge

[34Roses]

CH 13 was discharge 12/14.  All accounts paid in accordance with CH 13 filing

This one credit union Dearborn Federal will not $0 out the balance...they removed history but it is currently reporting after I disputed.  They are reporting $178 past due and $178 balance due. 

This is on my EQ... Everyone else has $0 balanced out my accounts on EQ except them...

1940* 05/01/1998 Monthly

Date

Closed

Terms Duration Terms Frequency

$300

Credit Limit

$291

Date Opened High Credit

$178 $178 11/2014 $0 $0 07/2009 $0 $0

Balloon Pay

Amount

Deferred Pay

Start Date

Balloon

Pay Date

Charge Off

Amount

Date Maj.

Del. 1st Rptd

Date of

Last Activity

Activity Designator Creditor Classification

99

Months Revd

02/26/2015 06/2009

Date of 1st

Delinquency

Account Number

Status − Included In Wage Earner Plan; Type of Loan − Line Of Credit; Whose Account − Individual Account; ADDITIONAL INFORMATION − ; Bankruptcy Chapter 13; Line of Credit;

How can I possibly fix it.

[gdale6]

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@34Roses wrote:

CH 13 was discharge 12/14.  All accounts paid in accordance with CH 13 filing

This one credit union Dearborn Federal will not $0 out the balance...they removed history but it is currently reporting after I disputed.  They are reporting $178 past due and $178 balance due. 

This is on my EQ... Everyone else has $0 balanced out my accounts on EQ except them...

Date Opened High Credit

$178 $178 11/2014 $0 $0 07/2009 $0 $0

Balloon Pay

How can I possibly fix it.

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I dont see where it says balance is 178, that is Hi credit?? 11/2014 0  balance.  If it in fact says balance due 178 and they wont do anything file CFPB complaint or contact your BK Trustee.

[TRC_WA]

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@34Roses wrote:

Date Opened High Credit

$178 $178 11/2014 $0 $0 07/2009 $0 $0

it.

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Another example of where copy/paste DOES NOT work... LOL

Screenshot would have been better but still... I agree with the above.

Looks like $0.

[34Roses]

Sorry I should have did this the first time still a newbie.

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[Scupra]

ITS letter, they will remove balance due asap

[34Roses]

Yep.. I realize cut and paste not working well.. LOL

Okay I will look both of those abbr up in the forums

[DaveInAZ]

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@34Roses wrote:

Yep.. I realize cut and paste not working well.. LOL

Okay I will look both of those abbr up in the forums

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I didn't know that one either ITS - Intend to Sue

Maybe check with your Trustee first? Did she miss a payment/payments to them? If the Trustee feels they paid everything for you according to the plan, they might contact the CU & be more effective.

[Scupra]

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@34Roses wrote:

Yep.. I realize cut and paste not working well.. LOL

Okay I will look both of those abbr up in the forums

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ITS - intent to sue

[Anonymous]

I am not a pro at this and can only respond based on my own experience.  Can you not call CRA and discuss this?  My DH had one reporting after his discharge.  We filed a dispute due to incorrect balance.  We stated it was included in the BK and should be a $0 balance.  They updated his file and removed the balance.  I only wish we could remove this late payments that easy lol

[34Roses]

Unfortunately, this CU plays hard ball. .  I wrote 4 goodwill letters to CEO and CM asking for a good will deletion.  No go.  

Just recently last month since I am trying to bounce back from CH 13 I tried to open an account there again.  I was told since I filed bankruptcy with them there servcies are no longer offered to those previous client    - Oh well took my business to another CU.  The thing is I had a good payment history with them before I filed. 

Then I disputed the amount and past due balance still reporting to EQ that I owe.    So I either I report them or ITS.