Poor Customer Service affected my credit?!
My original loan was written by Taylor, Bean and Whitaker. When they went under, I got a letter from TBW stating my loan was sold to a company called Cenlar. I got a bill and statement from Cenlar w/contact info but before I was going to make a single payment, I wanted to speak to someone and confirm they were a true entity. Cenlar never answered the phone, replied to an email, or wrote back. This went on for 2 months until I received a 2nd letter from Cenlar stating they were transferring my loan to Ocwen. What would you do?
During the first 2 weeks of apparently being an Ocwen customer, I would get a call from someone claiming to be from Ocwen, asking for the last 4 digits of my social security number!! Of course, I would not tell them (because who does that) and I'd ask what's the call in regards to.. They said they could not go into details without confirming it was me. BS, I hung up everytime. When I did finally get a hold of customer service, they could not provide me with the simple requests I made in an effort to prove they were the true servicer. I was looking for a document stating "loan rights sold or transferred" or a deed in which an attorney could verify was true and accurate.
They mailed my statements to an old PO box of mine I had on file file with TBW, but never to my house. Something was fishy so I contacted an attorney. He advised me to write Freddie Mac in an effort to get proof who my true servicer really was.
Freddie Mac got back to me 2 months later stating Ocwen is the correct servicer. So without hesitation, I wired them the past due balance of 4 payments. I started paying them on time every month and have never been late since.
But now with the 2 months I held out on Cenlar and the 2 months I held out on Ocwen, I took a nasty hit on my credit score. I can't get approved for anything.. This isn't right!
Should I just pay whoever sends me a bill or statement?