Chase Collections Frustration! - Venting!

[Amy26]

Ugggg... ok, I must vent...because Chase is the most annoying stupid bank I have ever dealt with. This is kinda long..... lol.

I have 3 student loans with Chase. First, they can't get my credit report right... they are listing them as closed loans even after I dispute them.

Second, I'm still in grad school. My loans were in school deferment before I filed for BK. While in BK, my in school deferment was knocked off and they were placed in bankruptcy deferment... ok, so far so good.

After BK, even though they were in school deferment before my BK... they became payable. However, they were in a six month grace period. Ok again...

In March or April of this year, I got a letter with my payment due date and my payment amount with repayment starting in April I believe. This was rather annoying because I was still in school... so I called them. They said I may be in school but my status is less than half time... annoying!

So, I make the 218 dollar payment for April. Luckily, during summer session, 1 class is considered half time. So, yay in school deferment for me again! Technically, my May payment was due (summer session started on May 17th or so). I called them and told them I was in school and they put me on hold and I guess checked the national registry thingy and when they came back they verified my claim and said my deferment would be processed and I was officially back in school deferment and my new due date is 11/30/2011. I was also able to go online and see the status updated there in my account.

Then.... out of the blue... yesterday I get a call from AMO Recovery collections agency. Saying they were making an attempt to collect on my defaulted student loans from Chase in the amount of 38,000. I'm like WTF! And of course collection agencies never want to hear you say they are wrong. They are never wrong... what they say is gospel. So, I argued with this lady for a few minutes and she basically telling me I'm full of it. I sent her a dispute letter and a screen print of my Chase online account that showed my due date of 12/28/2011 and saying it was current and in deferment bla bla. I even called Chase and they verified that my account was current and in deferment...the CSR told me to basically ignore the collection agency.

When I called the agency back they were like WHO DID YOU SPEAK TO??? This is all very confusing to them cause they can't fathom that Chase screwed up. And I told her that I don't think its my responsibility for them to get their stories straight with Chase. She immediately cut me off and was like oh yes you are. She said if we contact them and they say that you are in default then we will come after you... I'm like whatever, I'm right.

So, I remembered that I received some letters from Chase a few days ago confirming my deferment. At the time, I didn't think I needed them (how was I to know they turned me to an agency!) so I tore them up and threw them away. Luckily, I hadn't taken out the trash....so, I rumaged through the trash and found the letters and taped them back together. Also luckily, I didn't shred them up into little pieces, I just tore them longways a couple times.

So, I sent them over to the agency and this time she was a little nicer to me... I think she's starting to realize I'm not lying... and she said she has put the account on hold and she will do everything she can to get it straightened up... bla bla...

WTF are these people's problems??? I'm so fet up with Chase... they jerked me around with their stupid credit cards and now I'm at their mercy with my student loans. I can't believe they sent them to collections within days of processing a deferment... I'm just so pissed and frustrated. I wish I could refinance these loans away from Chase.... UGGGG!!!

Anyways, if you read my long y post...ty... I needed to vent to people that can hopefully relate to my agony. I'm getting so fet up with getting strange phone calls and being scared that its some other creditor from my bankruptcy that thinks I'm gonna pay on a discharged debt and now this....

DOUBLE UGGGG: I just found out that those bozos did a hard pull on my Trans Union credit as well!!!! Can I get them to remove this???

*Breathes deep...* ok I'm done. ;)

[Brazzy]

In some cases (I know there was a discussion somewhere about this) a bankruptcy filing is considered a default under the contract. Its an F'ed up scenario but this includes SL's that are still in deferment. The verbiage can be put in there for various reasons, but they basically will start collecting right after BK regardless of still being in school. The fact they put it off and were uncertain as to what to do is puzzling. My best guess would be that they are in the same boat as a lot of banks in having these loans backed by outside non profit companies. Those companies went belly up and forced a bunch of banks to fend for themselves as the loan servicer doesnt want to work them either. In short. the loan servicing company doesnt want them, the insurance wont pay for them, and the bank doesnt know WTF to do with them. Unfortunately not uncommon today.

[Exployer1234]

I am in school as well and I bet I will be going through the same thing. The thing is when you sign up for student loans you do sign up for deferments on previous loans. I remember even asking one of my loan companies about my BK. I know sometimes it will make you repay it back, but if you are in school then technically you should not have to pay it back. That is what deferment is for I have all my paperwork as well. It is always fun to go through this. Just one more thing to deal with. I hope it gets better.

I know that the school I will be attending in the fall is having to send additional paperwork over to the loan companies so I do not have to start repayment while in school.

[Amy26]

No well, I see your points but that is not my case. My discharge was last september and everything has been fine. None of my loans (I have some with Loan to Learn and Sallie Mae as well) were considered defaulted after I was discharged and I have no problems at all with any of my other loans.

The representative at Chase even told me that this only happened because my payment due date was 5/3/2010 and they didn't start processing my deferment till after that date. So, technically my loan was "past due" as they were filing the deferment.

So, she said that the paperwork got crossed in the mail basically by a matter of days. Which I think is retarded that they would send it off to collections for being past due by a few days while they were processing the deferment.

The stupid collection agency better remove the hard inquery off my credit report or I'm gonna go balistic ... lol.

[Amy26]

Well it just keeps getting better! lol. I sent an email to Chase Student Loan customer service to tell them they need to fix this and they wrote me back saying my loans are not in default and they do not use AMO Recoveries...

So, I called Chase and asked to speak to a supervisor. She seems very helpful and confirms that Chase does not use AMO Recoveries and she has no idea how they got a hold of my file. She called them and told them to cease all collection efforts and now I have to wait for them to investigate and figure out how they got ahold of my file and get it closed out of their system. She said she doesn't want me talking to them anymore until they get the matter resolved and then after they get the file removed from them, I can send them a letter demanding reasoning as to why they checked my credit and to remove the inquery....

Uggg.... drama drama