Just when I wondered if I would ever write a post that didn't feature babies or kittens or unicorns, an issue arose.
Long story short I hope.
The IRS needed some paperwork regarding my 2009 taxes. Of course I couldn't/can't find that year anywhere, so I contacted the agencies in question and asked for copies of that years statements.
Everything arrived and I faxed it over and settled back to await the news that all questions were resolved.
I neglected to read the mortgage income statement from Chase Bank before I sent it off. And they neglected to put my name on the statement. Only Tony, my partner with whom I had originally bought the house, was listed as an owner.
I got that piece of info from the IRS yesterday so of course I immediately called Chase Home Mortgage to explain the situation.
I ended up talking to 3 different people at Chase over the past 2 days, Marvin, Josh and Alvin, they reside in Manilla, and the result is the same: only Tony's name is on the paper.
Irregardless of the fact that every statement I have received in the mail from them in previous years have both names on it, they will not send me a new one with my name listed. Even though I am liable for close to $2,000 in fines if there is no proof I am the owner. Not just an owner but since 2004 the sole owner.
I'm not asking for them to take his name off the top, just to put mine underneath his where it always was.
They say it is their policy to only list one owner and his name was listed first when they bought the loan so first it shall remain. Funny that this is the first year that they have the policy no?
It was also suggested they couldn't help me because they no longer held the loan. "But YOU sold it" I said, "it's not like I took it away from you while you were sleeping."
When I refinanced several years ago I asked if we should take his name off the loan and I was told it doesn't matter. Well it matters now. And of course it will be done stat.
The IRS, suggested I get a copy of the title and fax it to them which I will do immediately.
I'm writing this post both to let off some steam and to try and make sense out of what seems totally insane and very customer unfriendly.
I feel a bit like Alice talking to the Red Queen.
There now I've turned it into a fairytale after all.
With a couple of gratuitous kitten picture.
Cause that's how I roll.
Did I miss something? Does any of this makes sense to you?