I received a letter from CoreLogic stating they paid property taxes for Chase and they paid the wrong property tax parcel ID which made my taxes delinquent and in addition was the parcel information used by Chase to determine my est. Tax liability. This incorrect information was used to increase my escrow payment for a said escrow shortage. I was told someone else's money was put into my escrow, they say they messed up and apologize and want me to pay them back for their own account and not on behalf of nor for Chase.

My escrow was closed by Chase after I sent a letter to the Wyoming Attorney General because of Chases' negligence in managing and paying out of my escrow account. My taxes were late and they attempted to pad the escrow account and increase my payment by over $1500 additional a month. I received a check from Chase for the remaining monies in the escrow which may have included money from corelogic and Chases screw up I had no idea Chase continued to mismanage my account and now they are attempting to pawn this problem off on me after sending me money left in the escrow to close it.

I have never signed nor had any dealings with CoreLogic and they are now using an attorney to try and collect a debt. Is this debt valid?

You have no legal proof they even did this. If your agreement is with Chase, that is who you owe the money to ( if there is money owed) Without proof of authority of the debt ( proof of debt) I don't think I would just pay a third party I don't know ( unless you know they were paying this)

I could easily look up your tax bills online ( I was looking at my neighbors property taxes tonight) and I could have what was paid, and who the lien holder was and more.

Thank you for the reply. Supposedly corelogic attempted to retrieve the money from Chase and Chase sent them a letter stating the escrow was closed and to go after me for the money. They sent me a photo copy of the coorespondence along with the apologetic demand for payment.

I also use GIS data for property searches and know it is all public info so fraud is possible so unless I get direct coorespondence from Chase or a Summons I will continue to dispute the debt under FDCPA.

CoreLogic seems to be a legitimate company. So I don't believe this is a scam. But I'm confused as to what happened here. Was CoreLogic under contract to Chase to manage tax payments from escrow accounts? Why would they be making tax payments on behalf of Chase.

But, if that is the case, they should be suing both Chase and you. How a court will deal with your part in this will be interesting. My take it's that Chase will be in trouble for trying to wash their hands of the mess by closing the escrow account and trying to dump the mess on you.

Whether you are responsible for the missed tax payments or not, you should not be responsible for any penalties incurred since it was not your responsibility.

As for closing the escrow account, be thankful. HUD rules allow lenders to calculate the amount of escrow needed by making sure the escrow account maintains a 2 month cushion. In other words that the account never falls lower than 2 months worth of escrow payments. So, if they were informed incorrectly about your tax liabilty, that could have caused the raise in the escrow payment. And it would not have been Chase's fault. You will be much better off managing your own escrow as long as you're a conscientious about doing so.