I have a Mortgage and Home Equity
on my house with Digital Federal Credit Union. I have made all my monthly payments on time on both loans every month. Back in 2009 I filed for bankruptcy which was discharged in the spring of 2010. Both the Mortgage and Home Equity were listed on the bankruptcy, and since that time I have continued to make the monthly payments, although they are considered "voluntary".
All this time I have been able to see both loan accounts on my online account with DCU as well as my savings account. I have been able to access statements for them online and make payments to them online. I've had my mortgage with DCU for over 15 years and have never even been late with a payment on it. The Home Equity was taken out in 2008 and I have never been late with a payment on that either.
As of 2 weeks ago, my Home Equity line disappeared from my online account, and I am no longer able to view statements for it or make payments to it online. Both the Mortgage and Savings accounts are still visible online.
When I called DCU customer service to inquire why I was no longer able to view or access my Home Equity loan online, I was told it had been "sent to our collections department." When I asked why it was sent to collections when I had not been late with payments ever, I was told it was because the loan was on the bankruptcy that I filed 6 years ago. The person who spoke with me on the phone was extremely rude, and downright combative when I asked how I was supposed to make payments to it. She said I would have to either mail in the payment or drive to their branch office every month and pay it in person. The closest branch office is over an hour's drive away, and I don't feel comfortable mailing payments that large that can get "lost" in the mail.
I don't understand how a bank can send a loan to collections that is not in default, with no notice
or warning or explanation at all. Is this something they can do legally? What about my primary Mortgage? Would they be able to do the same thing with that? Also , how am I now going to be able to keep track of how much I owe on the Home Equity since I don't have access to statements for it any more?
All in all, it doesn't seem like a bank should be able to do this legally with absolutely no reason, no notice, no warning, no explanation, and effectively prevent me from being able to manage my accounts as usual, or even know the status of one of them when it has been in good standing for all these years.
Is there anything I can do legally to get my Home Equity loan back online and ensure that they don't send my Mortgage into collections as well?