top Ad Widget

Collapse

Announcement

Collapse
No announcement yet.

Not late car loan reported as delinquent

Collapse
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

    Not late car loan reported as delinquent

    Can they do this?
    GMAC has reported both of my vehicle loans as delinquent.
    They are not even late, and they've never been late!. The letter was sent to me before the due date of the note! I just checked transunion and it is listed as a new delinquent account.
    The details show amount delinquent = 0.00
    and status = current
    So how can they do that? Of course I tried to call but their bankruptcy department isn't open yet.
    Has anyone had this happen to them?
    We filed BK on 6/10 and this letter is dated 6/12

    #2
    Are they showing as IIB? That's what they should show?
    May 31st, 2007: Petition Filed by my lawyer
    July 2nd, 2007: 341 Meeting Held
    September 4th, 2007: Discharged and Closed.

    Comment


      #3
      No, none of my accounts are showing as IIB.
      I think they won't show that until after discharge?

      Comment


        #4
        GMAC probably did a SSN search for their customers routinely for bk filings. That's probably what they did.

        However I would call them up and ask about why you got a notice of delinquency when you haven't yet been late, especially if you are reaffirming.
        May 31st, 2007: Petition Filed by my lawyer
        July 2nd, 2007: 341 Meeting Held
        September 4th, 2007: Discharged and Closed.

        Comment


          #5
          OK, spoke to Tara at GMAC.
          She said that "we just report that because you filed bankruptcy".
          I explained that they are reporting a delinquency. She said "well, the credit
          bureau does what they want. We just reported that you filed bankruptcy"
          I told her I was looking at what they reported, and it was delinquency.
          I then explained that I needed to be current to reaffirm, and they were reporting that my account was delinquent, not current.
          She said "well, I suggest you file a dispute with the credit bureau then"
          "I show that you are not even late on your account and we sent the reaffirm papers to your lawyer on the 16th"
          Again, I went through the fact that if I am current, why am I delinquent.
          I think I was talking to a robot.
          I guess I'll try to file a dispute.
          But why report as delinquent in the first place? Tara didn't know. Tara didn't know much.

          Comment

          bottom Ad Widget

          Collapse
          Working...
          X