Chase Mortgage

[ArCpa]

Hello, 

For the last 3 years Chase Mortgage has reported the following late payments.

30 Days 1X

60 Days 3X

90 Days 4X

I have disputed this with Chase and the bureaus for 3 years. And the bureaus always verifies the charges. Two weeks ago I had to pay Chase $ 25.00 to send me every paid statement/bill dating back 5 years. The 8 times Chase claims I was late, the statments clearly show that I made my payments on time. I am needing help on what to do next, thought about sueing Chase and the bureaus in small claims court and getting the judge to demand chase to clear up the matter. Any help would be appriciated. My Fico 's are 735TU and 752EX, but I will be applying for a business loan , and my lender told me that the lates would kill me loan app.

Thanks

[Booner72]

I think you should send all the statements and all the proof you have to the CRA's to show you were not late and hopefully they will read it and get this fixed.

Have you written letters to CEO's of chase, called daily, sent faxes and emails daily?  Harrassed the crap out of them to fix this?  This method has worked for me and I highly recommend it.  People get sick of you so they fix problems so you go away.  Always be kind and sweet - you will get nowhere with nasty. (even though it would be hard to be nice to someone screwing your credit reports over).

[LIGHTNIN]

I would suggest directly disputing with OC (chase). Make a copy of the statements,make circles

 highlight or both around the dates you paid on time, that they say you didn't.

Then mail these copies and ask the OC to please explain or delete.

Instead of a threat with a lawsuit, tell them that you will take your mortgage business elsewhere.

Once OC thinks about losing all the interest on this mortgage, they maybe be nicer to deal with.

I maybe wrong, but it's worth a try.