Bank pulling switcharoo?

[Peri]

What is the name of your state (only U.S. law)? Kentucky

Filed bankruptcy in 2004. Debts discharged 3/2005 (This is not a bankruptcy question)
Refinanced mortgage 12/2005. Was told best option was to refinance for lower interest, with "no fees" using "Quick Claim Deed" and co-signer and this would make our house payment go way down.

What I actually got was: A lot of fees; my house payment went down $12; the mortgage on my home is now my father's mortgage - my name is not on the mortgage at all; I am, however, making the payments - they are being automatically deducted from my checking account by the same bank, but I am not getting credit with credit bureaus for making all these payments on time; and to add insult to injury, the bank has reported to the credit bureaus that the loan I refinanced was included in a bankruptcy!

A loan officer said we could fix the situation by refinancing - again - and it would cost us about $3000. My father spoke to the branch manager who said he could probably "do something about some of those fees to reduce the cost of refinancing".

So now I come to my question. Is there an agency they should be reported to? Is there anything I can do to the bank? Shouldn't there be some kind of compensation? Or was this just one FUBAR deal, and I'm screwed?

[FlyingRon]

Nothing improper here.
It's QUIT claim.

Essentially, you transferred ownership to your father so your father could take out the loan without your derogatory information, possibly lying and saying he was going to live there which might be considered fraud.

Of course you're not getting your father's note reported (whether you pay it or not).

Of course they reported your previous delinquency and the suspense due to the bankruptcy.

Almost certainly on the refi there as a truth-in-lending statement that told you the costs and the payments.

It appears to be purely wishful thinking on your part that any action would have happened other than what did.

Thank your stars that you have a helpful father.

[Peri]

[font="Comic Sans MS"]Hi Flyingron. Thanks for your input.

I DO thank my lucky stars for my helpful dad.

Dad's name was added to the deed. He's on there with me and my husband, so we didn't transfer ownership, and he didn't move in with us. This was all the bank's idea.(And by bank, I mean the loan officer we dealt with)

We were told he was cosigning not putting the mortgage solely in his name. I had never heard of a bank setting up a mortgage in one person's name and taking the money from someone else's account.

And it just gets my goat that I'm paying this loan on time, every time and it's not on my credit report. Man, I could use some good mojo on those reports.

We REFINANCED the previous mortgage, which had never had even one late payment. It was not included in the bankruptcy which was discharged in March. We refinanced in December.

Additionally, in 2005 the bankruptcy laws did not allow mortgages to be, included in or discharged by, bankruptcy.

And yes, we have forms telling us about the payment amount and the interest rate - that was never part of the question.
But you know what isn't there? Any info at all about the mortgage being in Dad's name instead of our name. His name is never mentioned on our paperwork and ours is never mentioned on the papers he has. Does it sound strange yet?

I sure hope I don't sound argumentative. I just know I probably didn't do a great job of explaining the first time around and I'm hoping this helps to clarify things.

Thanks again, FlyingRon! Maybe someone will come up with something that will make my day yet!