Vanderbilt Mortgage And Finance, Amy In Collections ripoff Acquired my loan from Chase & immediately declared I was 1 month behind constantly harassing Maryville Tennessee

I contacted the following to file my complaint against Vanderbilt Mortgage:

The Better Business Bureau
255 North Peters Road, Suite A
Knoxville, TN 37923
865/692-1600 - fax 865/692-1590

Division of Consumer Affairs
500 James Robertson Parkway, Fifth Floor
Nashville, TN 37243-0600
615/741-2236 - fax 615/532-4994

Department of Financial Institutions
Consumer Complaints
511 Union Street, Suite 400
Nashville, Tennessee 37219
615/253-2023 - fax 615/253-7794

I faxed my complaint and within 30 minutes each one of the above responded via email, they were awesome - my situation is a little different than yours because my mother resides in California, but any one and/or all of the above can and will help you or direct you to someone who can.

Also, take a lot at the Fair Debt Collection Practices Act - www.ftc.goc/os/statutes/fdcpa/fdcpact.htm
it outlines the abusive, deceptive and unfair debt collection practices that are illegal.

Good luck - don't let Vanderbilt Mortgage get away with taking unfair advantage through intimidation and threats.

The FDCPA ONLY applies to accounts that are in charge off status and the original creditor has placed them with a (or sold them to) a 3rd party collection agency.

The ruling the previous poster was looking for is RESPA. I'd contact your state's Finance Oversight Board (they usually are the department that licenses mortgage companies - the name varies in each state)

But if they are refusing to report your loan as current, then also notify your states Atty General's office and send dispute letters to all the credit reporting agencies.

I also have vanderbilt mortage, although we haven't had problems with them personally.Here is a good bit of advice if they are contacting you at work and they know your boss disapproves under the FDCPA (fair debt collection practice act) legally they cannot contact you at work anymore.You can sue them for that. If you go to www.ftc.gov/credit click on consumer rights you can read what constitute under that act.I hop your matter gets resolved.