Here's my story... I opened a home equity line of credit in 2004 with Chase. In 2008 they closed my account that had a zero balance because I didn't pay the $50 annual renewal fee. I was unaware that this happened at the time. No collection agency contacted me, but why would they since the balance on the account was zero dollars. Now I'm trying to purchase a new home and all the lenders I'm working with are telling me I am being refused a loan because of this problem. I guess Fannie Mae and Freddie Mac view this as a foreclosure. I've been working with the folks at Chase for nearly three weeks to get this resolved. I've asked them to send me a letter stating that I did not get foreclosed and that there is no problem with my account. I've even tried to have them re-open the account so I can pay the $50 dollars but they say they can't because my account shows a zero balance. Does anyone have advice for me? If I don't get this resolved quickly I'll lose the home I'm trying to purchase. HELP!!!!!!!!!!!