No. of Recommendations: 3
Do I have any basis for reporting them to any regulatory agencies for mishandling my accounts?

How did they mishandle them exactly? They are under no obligation to grant you a 6 month break on your payments. I hate them as much as the next person, but everything they did, they had a right to do and you gave them that right by missing your payments for 6 months.

Because of that, they have the right to close the accounts, charge you late fees and penalties, send your account to collections, and report negative items to the reporting agencies.

I am you are up the proverbial stream without a paddle.
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