Friday, July 15, 2011

Customer Sues Chase, Says Bank Ruined Her Credit By Declaring Her Dead

This is almost an unbelievable story. We all know how important your credit score can be, affecting your mortgage, employment and even your automotive insurance. I feel it is very important for every consumer out there to pull their credit often, especially before applying for a new loan. 

The only truly free credit report out there is on .  This was started under law so that consumers can obtain their credit report, once per year, at no cost.  Keep in mind you can not get your credit score here, but you will get a full transcript about what is being reported on your credit.  For a credit score, you can go to a site like  Typically a consumer will pay about $20 to see their score and read the report as well.

This story, out of Orlando, is about a woman who had a mortgage with Chase Bank.  Chase, for some unknown reason, reported her to the credit agencies as deceased.  This ruined her credit rating.  No lender would loan money to a dead woman.

Has a bank or another institution erronuslly ruined your credit?  Has a company reported incorrect information to the credit agencies?  What are your rights?  Call an attorney in Tampa, Florida call me.  Call Zonald Spinks, Esq. at 813 413-5352 to discuss your legal options.  It's free to talk to me anytime. 

Story after the jump.

From the Orlando Sentential

SANFORD — Wrenella Pierre is not dead, she insists. Her bank, however, disagrees. In November, Chase Bank USA sent her family a letter of condolence.
"We are very sorry to hear of your loss," it said.
Pierre, of Oviedo, is not amused. She is now suing Chase Bank, saying it has stymied her attempts to refinance her mortgage and ruined her credit rating.

Pierre and her husband, Curtis, built a home in Oviedo in 2007. They got two mortgages totaling $460,000 from JPMorgan Chase Bank, according to Seminole County records.
Two years later, after the home had declined in value, Wrenella Pierre tried five or six times without success to have the mortgage modified, according to her suit.
Last year, the bank, for some reason, notified credit-reporting agencies that she had died, the suit says.
On Nov. 2, Chase sent her family the letter of condolence, an unsigned form letter. Someone from the bank would be in touch, it said, about the outstanding balance.
She notified the bank that she was still alive, according to the suit, and a few weeks later tried again, going into one of its branches, asking it to correct the error.
A month later, credit-reporting agencies were still reporting she was dead, according to her suit.
Nancy Norris, a spokeswoman for JPMorgan Chase, on Monday would not discuss details of the case, citing the suit.
"We're investigating how it happened," she said.
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