{"took":247,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":2498,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15816411","_score":15.226791,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I made payments of {$200.00} to my personal American Express card and {$340.00} to my business American Express card. That same day, I received an email from Amex confirming both accounts were current. \n\nOn XX/XX/year>, I received an email from Amex stating that my personal account was at risk of cancellation. I immediately called customer service, and the representative told me, Dont worry, your account is nowhere at risk of cancellation. Despite this reassurance, my personal account was cancelled shortly after. \n\nOn XX/XX/year>, I received another email stating my business account was also at risk of cancellation, even though payments were made and Amex confirmed the account was current less than 10 days earlier. Later that day, a supervisor told me, The department that reviews cancellations must have reviewed your account after the rep spoke with you. This explanation is inconsistent because I had already received a risk-of-cancellation email before being told by the rep that my account was safe. \n\nOn XX/XX/year>, my business account was also closed, despite being paid and current. \n\nAmex gave me contradictory and misleading information, cancelled both my personal and business accounts despite being current, and this has created financial harm, uncertainty, and potential negative credit reporting.","date_sent_to_company":"2025-09-11T00:32:30.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"32205","tags":null,"has_narrative":true,"complaint_id":"15816411","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-09-09T23:12:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["On XX/XX/year>, I received another email stating my business account was also at <em>risk</em> of cancellation, even though <em>payments</em> were made and Amex confirmed the account was current less than 10 days earlier. <em>Later</em> that day, a supervisor told me, The department that reviews cancellations must have reviewed your account after the rep spoke with you. This explanation is inconsistent because I had already received a <em>risk</em>-of-cancellation email before <em>being</em> told by the rep that my account was safe."]},"sort":[15.226791,"15816411"]},{"_index":"complaint-public-v1","_id":"19684021","_score":14.956717,"_source":{"product":"Credit card","complaint_what_happened":"I am submitting this complaint regarding the reporting of late payments on my Concora Credit ( Indigo ) account. \n\nWhile I acknowledge that a payment was reported late, I was not properly notified that my account had become past due. I did not receive adequate communication, warning, or outreach indicating that I was at risk of being reported late to the credit bureaus. I only became aware of the late status when I logged into my account independently. \n\nHad I received timely and clear notice that my payment was past due and at risk of negative credit reporting, I would have immediately brought the account current to prevent damage to my credit profile. \n\nSince discovering the issue, I have taken full responsibility and have maintained my account in good standing. My account has now been current for XXXX consecutive months, demonstrating my commitment to responsible repayment and financial improvement. \n\nI am currently in the process of qualifying for a mortgage, and the reported late payments are creating a significant barrier to securing stable housing. I have made substantial efforts to rebuild my credit, and this reporting particularly given the lack of proper notification is disproportionately impacting my ability to move forward. \n\nI am respectfully requesting that Concora Credit conduct a thorough review of the notification process on my account and consider a goodwill adjustment to remove the reported late payments in light of : Lack of adequate prior notice My account being current for the past XXXX months Demonstrated effort to maintain responsible payment history Significant hardship caused in the mortgage approval process I am not disputing my obligation to pay. I am requesting fair consideration based on the circumstances and my current good standing. \n\nThank you for your review.","date_sent_to_company":"2026-02-21T21:46:00.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"80023","tags":null,"has_narrative":true,"complaint_id":"19684021","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CLGF Holdco 1, LLC","date_received":"2026-02-21T21:40:30.000Z","state":"CO","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["I am submitting this complaint regarding the <em>reporting</em> of <em>late</em> <em>payments</em> on my Concora Credit ( Indigo ) account. \n\nWhile I acknowledge that a <em>payment</em> was <em>reported</em> <em>late</em>, I was not properly notified that my account had become past due. I did not receive adequate communication, warning, or outreach indicating that I was at <em>risk</em> of <em>being</em> <em>reported</em> <em>late</em> to the credit bureaus. I only became aware of the <em>late</em> status when I logged into my account independently."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[14.956717,"19684021"]},{"_index":"complaint-public-v1","_id":"2316271","_score":14.853441,"_source":{"product":"Mortgage","complaint_what_happened":"my husband and I was approved for a loan modification on XX/XX/XXXX. we were told by our relationship manager at our bank that we did n't need to make a payment until XX/XX/XXXX. he laid out our apr monthly payment and fees. well we were reported as being late for the month of XX/XX/XXXX and is at risk of being reported late for XX/XX/XXXX. now the trial period starts in XX/XX/XXXX since the payments are n't our original loan agreement we are subjecting ourselves to being reported as being late for the next three months.so our credit score is going to really suffer. and at this pint there is no way out of this mess. unless we pay XX/XX/XXXX and XX/XX/XXXX in full by the XX/XX/XXXX. meanwhile even though we were struggling because a lost of income we were never ever late to the point that we would be reported to the credit bureaus","date_sent_to_company":"2017-01-28T15:09:58.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional fixed mortgage","zip_code":"110XX","tags":null,"has_narrative":true,"complaint_id":"2316271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2017-01-28T15:09:57.000Z","state":"NY","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["my husband and I was approved for a loan modification on XX/XX/XXXX. we were told by our relationship manager at our bank that we did n't need to make a <em>payment</em> until XX/XX/XXXX. he laid out our apr monthly <em>payment</em> and fees. well we were <em>reported</em> as <em>being</em> <em>late</em> for the month of XX/XX/XXXX and is at <em>risk</em> of <em>being</em> <em>reported</em> <em>late</em> for XX/XX/XXXX. now the trial period starts in XX/XX/XXXX since the <em>payments</em> are n't our original loan agreement we are subjecting ourselves to <em>being</em> <em>reported</em> as <em>being</em> <em>late</em> for"]},"sort":[14.853441,"2316271"]},{"_index":"complaint-public-v1","_id":"5643899","_score":14.78159,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the fair credit Reporting act, Experian has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose. It is showing a late payment for my XXXX card ending in # XXXX on file. This is simply not true. I would like an investigation launched about this supposed late payment and verifiable evidence that it wasn't paid. COVID hasn't gone away either, especially for those who are high-risk like me. This is predatory behavior during a global health crisis, especially someone like me who has been hospitalized for weeks on end due to being high-risk while handling the gross rate of inflation making it almost impossible to live while creditors keep their interest rates at all time highs and do not offer payment arrangements. Something needs to change! Most importantly, this untrue late payment on my 3 CREDIT REPORTS.","date_sent_to_company":"2022-06-08T03:03:20.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33063","tags":"Servicemember","has_narrative":true,"complaint_id":"5643899","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-06-08T02:47:48.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This is predatory behavior during a global health crisis, especially someone like me who has been hospitalized for weeks on end due to <em>being</em> high-<em>risk</em> while handling the gross rate of inflation making it almost impossible to live while creditors keep their interest rates at all time highs and do not offer <em>payment</em> arrangements. Something needs to change! Most importantly, this untrue <em>late</em> <em>payment</em> on my 3 CREDIT <em>REPORTS</em>."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[14.78159,"5643899"]},{"_index":"complaint-public-v1","_id":"11765349","_score":14.662734,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I submitted disputes in XXXX of 2024, on 2 items ( same creditor ) that involved late payments constantly being reported every month on accounts that were resolved. Equifax then updated the accounts with negative remarks that dropped my score significantly. This has violated my rights to file a dispute without the risk of further damaging my credit.","date_sent_to_company":"2025-01-24T10:49:51.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"27513","tags":null,"has_narrative":true,"complaint_id":"11765349","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-01-24T10:35:47.000Z","state":"NC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I submitted disputes in XXXX of 2024, on 2 items ( same creditor ) that involved <em>late</em> <em>payments</em> constantly <em>being</em> <em>reported</em> every month on accounts that were resolved. Equifax then updated the accounts with negative remarks that dropped my score significantly. This has violated my rights to file a dispute without the <em>risk</em> of further damaging my credit."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.662734,"11765349"]},{"_index":"complaint-public-v1","_id":"3154087","_score":14.642765,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XX/XX/2019 My issue with GM financial was corrected with GM, I was sent a letter that my account was current and no payments were late. ( XXXX ) I asked GM to take care of my credit report as well. It is continuing to report 2 late payments and I am receiving notices we are credit risks because of it. I want my credit reports taken care of immediately. It is adversely affecting our financial statement. I called GM, and they said I should check at the end of the month, no our finances are being impacted now.","date_sent_to_company":"2019-02-16T14:39:39.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"430XX","tags":null,"has_narrative":true,"complaint_id":"3154087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"General Motors Financial Company, Inc.","date_received":"2019-02-16T14:25:45.000Z","state":"OH","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XX/XX/2019 My issue with GM financial was corrected with GM, I was sent a letter that my account was current and no <em>payments</em> were <em>late</em>. ( XXXX ) I asked GM to take care of my credit <em>report</em> as well. It is continuing to <em>report</em> 2 <em>late</em> <em>payments</em> and I am receiving notices we are credit <em>risks</em> because of it. I want my credit <em>reports</em> taken care of immediately. It is adversely affecting our financial statement."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[14.642765,"3154087"]},{"_index":"complaint-public-v1","_id":"16812136","_score":14.5893955,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I was at risk of not being able to afford the mortgage payment back in XX/XX/year>, I wanted to avoid getting a XXXX  day late on my credit so I requested assistance from New American Funding. I entered into a special trial payment agreement due to a financial hardship. I made payments as promised during this period and the company reported me as late every month for 5 months despite my on-time payments being made. When initially asked about this, I was told after the trial it would be corrected. Fast forward to the end and now the company refuses to correct it stating that the reporting was accurate when we both know that it wasnt. They claim generalized terms as their way of validating this, when nothing that I signed in the trial documents stated that this would happen.","date_sent_to_company":"2025-10-24T05:48:11.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30248","tags":"Servicemember","has_narrative":true,"complaint_id":"16812136","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BROKER SOLUTIONS, INC.","date_received":"2025-10-24T05:21:56.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I was at <em>risk</em> of not <em>being</em> able to afford the mortgage <em>payment</em> back in XX/XX/year>, I wanted to avoid getting a XXXX  day <em>late</em> on my credit so I requested assistance from New American Funding. I entered into a special trial <em>payment</em> agreement due to a financial hardship. I made <em>payments</em> as promised during this period and the company <em>reported</em> me as <em>late</em> every month for 5 months despite my on-time <em>payments</em> <em>being</em> made."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.5893955,"16812136"]},{"_index":"complaint-public-v1","_id":"7074468","_score":14.538124,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There was an issue with report where wells fargo reviewed my account and recorded calls. I made payment on my account within the30 days and wells fargo reported late. This was an error because payment was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and risk my account being delinquent when pmt was arranged on time. \n\nIt looks like the issue was resolved with XXXX but XXXX and XXXX still is reporting as late and that's not accurate for XX/XX/2023 pmt reporting.","date_sent_to_company":"2023-06-05T10:06:52.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"96706","tags":null,"has_narrative":true,"complaint_id":"7074468","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-06-05T09:58:58.000Z","state":"HI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["There was an issue with <em>report</em> where wells fargo reviewed my account and recorded calls. I made <em>payment</em> on my account within the30 days and wells fargo <em>reported</em> <em>late</em>. This was an error because <em>payment</em> was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and <em>risk</em> my account <em>being</em> delinquent when pmt was arranged on time."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.538124,"7074468"]},{"_index":"complaint-public-v1","_id":"7071145","_score":14.536986,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There was an issue with report where XXXX XXXX reviewed my account and recorded calls. I made payment on my account within the30 days and XXXX XXXX reported late. This was an error because payment was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and risk my account being delinquent when XXXX was arranged on time. \n\nIt looks like the issue was resolved with XXXX but XXXX and experian still is reporting as late and that's not accurate for XX/XX/2023 pmt reporting.","date_sent_to_company":"2023-06-05T10:07:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"96706","tags":null,"has_narrative":true,"complaint_id":"7071145","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-06-05T10:07:05.000Z","state":"HI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["There was an issue with <em>report</em> where XXXX XXXX reviewed my account and recorded calls. I made <em>payment</em> on my account within the30 days and XXXX XXXX <em>reported</em> <em>late</em>. This was an error because <em>payment</em> was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and <em>risk</em> my account <em>being</em> delinquent when XXXX was arranged on time."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.536986,"7071145"]},{"_index":"complaint-public-v1","_id":"7070778","_score":14.531825,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"There was an issue with report where XXXX XXXX reviewed my account and recorded calls. I made payment on my account within the30 days and XXXX XXXX reported late. This was an error because payment was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and risk my account being delinquent when pmt was arranged on time. \n\nIt looks like the issue was resolved with XXXX but equifax and experian still is reporting as late and that's not accurate for XX/XX/2023 pmt reporting.","date_sent_to_company":"2023-06-05T10:07:08.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"96706","tags":null,"has_narrative":true,"complaint_id":"7070778","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-06-05T10:07:05.000Z","state":"HI","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["There was an issue with <em>report</em> where XXXX XXXX reviewed my account and recorded calls. I made <em>payment</em> on my account within the30 days and XXXX XXXX <em>reported</em> <em>late</em>. This was an error because <em>payment</em> was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and <em>risk</em> my account <em>being</em> delinquent when pmt was arranged on time."],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[14.531825,"7070778"]},{"_index":"complaint-public-v1","_id":"6004405","_score":14.412864,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My credit card was closed without notice ; my payments were being submitted through the XXXX system of my primary bank ; even though the payments were received one day late, they were accepted by the creditor, while assessing late fees which doubled the amount paid. The creditor also stated that the late fees placed my account as \" high risk '' and closed it without notice, while still collecting monthly payments, late fees and high interest rates. Their actions have damaged my credit scores with all credit reporting bureaus, and other creditors have followed suit in lowering credit lines, or reducing available credit. The creditor refused to reduce the late fees, even though the payments were submitted within a five day grace period, which the creditor does not acknowledge.","date_sent_to_company":"2022-10-06T14:33:45.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"20003","tags":null,"has_narrative":true,"complaint_id":"6004405","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-09-21T18:32:50.000Z","state":"DC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["My credit card was closed without notice ; my <em>payments</em> were <em>being</em> submitted through the XXXX system of my primary bank ; even though the <em>payments</em> were received one day <em>late</em>, they were accepted by the creditor, while assessing <em>late</em> fees which doubled the amount paid. The creditor also stated that the <em>late</em> fees placed my account as \" high <em>risk</em> '' and closed it without notice, while still collecting monthly <em>payments</em>, <em>late</em> fees and high interest rates."]},"sort":[14.412864,"6004405"]},{"_index":"complaint-public-v1","_id":"16299466","_score":14.400543,"_source":{"product":"Credit card","complaint_what_happened":"I am filing this complaint because Capital One mishandled payments between my Capital One 360 checking account and my Capital One credit card, which resulted in my credit card account being closed and me being unfairly labeled as high risk. \n\nDetails : I always had sufficient funds available in my Capital One 360 checking account at the time I scheduled payments. \nDespite this, Capital One repeatedly failed to withdraw funds in a timely manner, marking my payments as late or not received. \nAt times, the bank appeared to intentionally hold funds instead of processing my payment requests. \nCapital One eliminated the instant transfer payment option, forcing payments to take XXXX business days. During this delay, I believed my payment had been applied, but it had not, even though the money was available. \nUltimately, my credit card was closed and I was labeled as high risk, with fraudulent activity implied, even though I made good faith efforts to pay and had the money available. \n\nThe payment issues were caused by Capital Ones own systems and policy changes, not by my actions. \nI should not have been penalized with late fees, account closure, or derogatory marks when I had funds available and initiated payments on time. \nMy credit report and financial standing were harmed due to errors and unfair practices by Capital One. \n\n\n\nWhat do you think the company did wrong? \n\nDid not properly process my payments Closed my account unfairly Harmed my credit profile with inaccurate reporting Unfair or abusive practices","date_sent_to_company":"2025-10-01T06:10:08.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"20744","tags":null,"has_narrative":true,"complaint_id":"16299466","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-01T05:48:00.000Z","state":"MD","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["I am filing this complaint because Capital One mishandled <em>payments</em> between my Capital One 360 checking account and my Capital One credit card, which resulted in my credit card account <em>being</em> closed and me <em>being</em> unfairly labeled as high <em>risk</em>. \n\nDetails : I always had sufficient funds available in my Capital One 360 checking account at the time I scheduled <em>payments</em>. \nDespite this, Capital One repeatedly failed to withdraw funds in a timely manner, marking my <em>payments</em> as <em>late</em> or not received."],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[14.400543,"16299466"]},{"_index":"complaint-public-v1","_id":"16306629","_score":14.345188,"_source":{"product":"Credit card","complaint_what_happened":"I am in the process of purchasing a home and my loan XXXX contacted me today stating there was an issue with late payments being reported from XXXX of my credit cards. I have XXXX credit cards and both of them are with Capital One. I make on time payments for both of these cards each month however, Capital One has been rejecting payments on XXXX of my cards therefore causing late payments to be reported each time. \n\nThis has caused a significant drop in my XXXX XXXX and threatening my ability to close on my new home. Capital One continues to blame this issue on my bank which can not be the case since I have another credit card with Capital One that payments are successfully processed with my bank. I have contacted my bank numerous times about the issue and they have confirmed that Capital One has not attempted to collect any payments since XXXX of XXXX. That totals to XXXX late payments in the amount of {$250.00} or more being reported to my credit reports not included late payments of {$40.00} each and accumulating interest. \n\nThis has caused me much mental anguish as my new home is almost complete and I am at risk of losing money that I have put towards this home due to Capital One 's neglect and lack of consideration of me being a loyal customer.","date_sent_to_company":"2025-10-01T22:40:42.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"28216","tags":"Servicemember","has_narrative":true,"complaint_id":"16306629","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-10-01T22:03:39.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["That totals to XXXX <em>late</em> <em>payments</em> in the amount of {$250.00} or more <em>being</em> <em>reported</em> to my credit <em>reports</em> not included <em>late</em> <em>payments</em> of {$40.00} each and accumulating interest. \n\nThis has caused me much mental anguish as my new home is almost complete and I am at <em>risk</em> of losing money that I have put towards this home due to Capital One 's neglect and lack of consideration of me <em>being</em> a loyal customer."],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[14.345188,"16306629"]},{"_index":"complaint-public-v1","_id":"12944672","_score":14.246191,"_source":{"product":"Mortgage","complaint_what_happened":"Im filing a complaint regarding a XXXX late payment reported by Freedom Mortgage on my XX/XX/year> payment. I was never notified, warned, or contacted by Freedom Mortgage that I was at risk of being reported to credit bureaus. Had I received any form of communication, I would have paid immediately. \n\nI discovered that the payment was marked late when I saw the impact on my credit score. I contacted Freedom Mortgage and spoke with a representative and a XXXX, but I was treated rudely and told there was nothing they could do. \n\nMy payment history from their on their portal clearly shows a late fee was assessed on XX/XX/year>, and I paid the outstanding balance for that month imidiately when I logged on on XX/XX/year> ( including the late fee ). \n\nThis is my first late payment in years of on-time mortgage payments. I am asking for the CFPB to review this and encourage Freedom Mortgage to submit a goodwill removal request to the credit bureaus.","date_sent_to_company":"2025-04-11T14:38:08.000Z","issue":"Incorrect information on your report","sub_product":"FHA mortgage","zip_code":"78640","tags":null,"has_narrative":true,"complaint_id":"12944672","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Freedom Mortgage Company","date_received":"2025-04-11T14:16:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Im filing a complaint regarding a XXXX <em>late</em> <em>payment</em> <em>reported</em> by Freedom Mortgage on my XX/XX/year> <em>payment</em>. I was never notified, warned, or contacted by Freedom Mortgage that I was at <em>risk</em> of <em>being</em> <em>reported</em> to credit bureaus. Had I received any form of communication, I would have paid immediately. \n\nI discovered that the <em>payment</em> was marked <em>late</em> when I saw the impact on my credit score."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[14.246191,"12944672"]},{"_index":"complaint-public-v1","_id":"15380860","_score":14.220612,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>, I made two credit card payments from my Bank of America checking account : {$130.00} to my Customized Cash Rewards Visa ( ending in XXXX ) and {$77.00} to my BankAmericard XXXX XXXX XXXX ( ending in XXXX ). Both payments were accepted by Bank of Americas system and I received confirmation numbers for each payment. At the time I submitted these payments, sufficient funds were available in my checking account, and the amounts were debited immediately. \n\nHowever, Bank of America later reversed one of the payments without notice, and instead applied the funds to other debits and fees that posted to my checking account after the payments were confirmed. This action has caused or will cause : Improper late fees on my credit card accounts The risk of a 30-day late payment being reported to credit bureaus, which would significantly damage my credit score for years I followed all proper payment procedures, and I have proof that the payments were accepted ( confirmation numbers and screenshots ). Under the Truth in Lending Act ( TILA ) and Fair Credit Billing Act ( FCBA ), credit card issuers must credit payments as of the date received when properly made. Bank of Americas reversal of confirmed payments directly violates this requirement and constitutes an unfair banking practice. \n\nI am requesting that Bank of America : 1. Reinstate my XX/XX/year> payments to my credit card accounts, or apply equivalent credits. \n2. Remove and waive any late fees.\n\n3. Confirm in writing that no negative credit reporting will result from this issue.\n\n4. Provide a clear written explanation as to why confirmed payments were reversed after being accepted.\n\nI am submitting this complaint because Bank of Americas actions have placed me at risk of financial harm and negative credit consequences despite my compliance with all payment requirements.","date_sent_to_company":"2025-08-19T13:18:56.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"21218","tags":null,"has_narrative":true,"complaint_id":"15380860","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-19T13:09:43.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["This action has caused or will cause : Improper <em>late</em> fees on my credit card accounts The <em>risk</em> of a 30-day <em>late</em> <em>payment</em> <em>being</em> <em>reported</em> to credit bureaus, which would significantly damage my credit score for years I followed all proper <em>payment</em> procedures, and I have proof that the <em>payments</em> were accepted ( confirmation numbers and screenshots )."],"sub_issue":["Problem during <em>payment</em> process"]},"sort":[14.220612,"15380860"]},{"_index":"complaint-public-v1","_id":"16130346","_score":14.156736,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I recently changed employers, which shifted my pay schedule. To keep my account current and continue making on-time payments, I requested that my due date be adjusted. I have always paid on time and often earlyevery single payment since Ive had the car has been submitted days, if not a week, before the due date. I make my payments on a biweekly basis. \n\nThe company refused to adjust my due date, even though I clearly explained the situation and the risk this creates. Because they will not make a simple adjustment, I am now at risk of being reported late and having my vehicle disabled by the passtime deviceeven though I am paying responsibly. \n\nThis practice is unfair and harmful. A customer with a consistent history of early and on-time payments should not be punished for a change in employment and pay dates. I am seeking resolution so that my account reflects my true payment history and so I am not placed in default status for reasons outside my control.","date_sent_to_company":"2025-09-23T17:18:55.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"23606","tags":null,"has_narrative":true,"complaint_id":"16130346","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Auto Credit of Virginia Inc.","date_received":"2025-09-23T16:51:21.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["Because they will not make a simple adjustment, I am now at <em>risk</em> of <em>being</em> <em>reported</em> <em>late</em> and having my vehicle disabled by the passtime deviceeven though I am paying responsibly. \n\nThis practice is unfair and harmful. A customer with a consistent history of early and on-time <em>payments</em> should not be punished for a change in employment and pay dates. I am seeking resolution so that my account reflects my true <em>payment</em> history and so I am not placed in default status for reasons outside my control."]},"sort":[14.156736,"16130346"]},{"_index":"complaint-public-v1","_id":"4843943","_score":14.100539,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian is reporting that I have one account that is late ( this is Comenity, they are horrifying but I've already filed that complaint ). Experian is noting that I have five ( 5 ) accounts not being paid on time, but only 1 late payment.\n\nThis does not make sense. AND, all of my accounts are being paid on time, and as agreed, unless Experian is reporting EARLY payment as \" bad '' financial management.\n\nI want the below investigated, as this is negatively affecting my Credit Report : Quote ( and also see attached file ) : Few Accounts Paid On Time You have an insufficient number of accounts that are currently paid as agreed.\n\nNumber of your accounts currently being paid as agreed 5 accounts The FICO Score considers the number of accounts showing on time payments. Generally, the higher the number reported the lower the risk. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low.\n\nFICO High Achievers have an average of 6 accounts currently being paid as agreed.\n\nEnd Quote","date_sent_to_company":"2021-10-26T06:15:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"320XX","tags":null,"has_narrative":true,"complaint_id":"4843943","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-10-26T01:51:57.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Old information reappears or never goes away"},"highlight":{"complaint_what_happened":["Experian is <em>reporting</em> that I have one account that is <em>late</em> ( this is Comenity, they are horrifying but I've already filed that complaint ). Experian is noting that I have five ( 5 ) accounts not <em>being</em> paid on time, but only 1 <em>late</em> <em>payment</em>.\n\nThis does not make sense. AND, all of my accounts are <em>being</em> paid on time, and as agreed, unless Experian is <em>reporting</em> EARLY <em>payment</em> as \" bad '' financial management."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[14.100539,"4843943"]},{"_index":"complaint-public-v1","_id":"11648060","_score":13.929246,"_source":{"product":"Credit card","complaint_what_happened":"I contacted synchrony bank after they sent me a letter dated XX/XX/year> that my account was being closed as it was high risk. I never was late nor did I ever miss a payment. \n\nPrevious to this they lowered my credit limit 3 months after I got the account. \n\nThey also were accessing my credit report and score every month without my permission or acceptance. They have drastically lowered my credit score by doing this","date_sent_to_company":"2025-01-18T02:37:49.000Z","issue":"Closing your account","sub_product":"Store credit card","zip_code":"79930","tags":null,"has_narrative":true,"complaint_id":"11648060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SYNCHRONY FINANCIAL","date_received":"2025-01-18T02:30:49.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["I contacted synchrony bank after they sent me a letter dated XX/XX/year> that my account was <em>being</em> closed as it was high <em>risk</em>. I never was <em>late</em> nor did I ever miss a <em>payment</em>. \n\nPrevious to this they lowered my credit limit 3 months after I got the account. \n\nThey also were accessing my credit <em>report</em> and score every month without my permission or acceptance. They have drastically lowered my credit score by doing this"]},"sort":[13.929246,"11648060"]},{"_index":"complaint-public-v1","_id":"15694285","_score":13.902674,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because my credit reports contain inaccurate late payment history and false personal identifiers that I have already disputed. These errors remain uncorrected despite the bureaus exceeding the 30-day reinvestigation period required under FCRA 611 ( a ). \n\nLate Payment Misreporting My XXXX XXXX and XXXX accounts are being reported with XXXX  day late payments even though the accounts show a {$0.00} balance, closed/paid status, and no current delinquency. Reporting an account as both closed/paid and seriously delinquent is contradictory, misleading, and violates FCRA 1681e ( b ), which requires maximum possible accuracy. The bureaus have not provided billing statements, signed contracts, or payment records to substantiate these alleged lates. Instead, they continue to report harmful derogatory data without verification. \n\nIncorrect Personal Identifiers My reports also show inaccurate personal data including the addresses XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and an incorrect date of birth XX/XX/year>. These identifiers do not belong to me and have no verified connection to any credit relationship. Reporting false identifiers creates a high risk of file mixing, identity fraud, and misattribution of accounts. Under FCRA 609 ( a ) ( 1 ), I have the right to an accurate disclosure of the information in my file, and under FCRA 1681e ( b ), bureaus are required to follow reasonable procedures to assure maximum possible accuracy. The continued presence of these false identifiers demonstrates failure to meet that obligation. \n\nBecause I was a confirmed victim of the Equifax Data Breach, my personally identifiable information is already at heightened risk. The bureaus have a legal duty to apply increased diligence in verifying my personal data and to remove any unverifiable names, addresses, or dates of birth. Their failure to do so after repeated disputes shows negligent or willful noncompliance under FCRA 1681n and 1681o.\n\nThe inaccurate late payments and false personal identifiers are causing direct harm to my creditworthiness, lowering my XXXX  scores, reducing approval odds, and creating a risk of fraudulent association. These items must be corrected or permanently deleted.","date_sent_to_company":"2025-09-03T18:54:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21144","tags":null,"has_narrative":true,"complaint_id":"15694285","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-03T18:54:29.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing this complaint because my credit <em>reports</em> contain inaccurate <em>late</em> <em>payment</em> history and false personal identifiers that I have already disputed. These errors remain uncorrected despite the bureaus exceeding the 30-day reinvestigation period required under FCRA 611 ( a ). \n\n<em>Late</em> <em>Payment</em> Misreporting My XXXX XXXX and XXXX accounts are <em>being</em> <em>reported</em> with XXXX  day <em>late</em> <em>payments</em> even though the accounts show a {$0.00} balance, closed/paid status, and no current delinquency."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[13.902674,"15694285"]},{"_index":"complaint-public-v1","_id":"14777520","_score":13.894079,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the late payments and/or the entire tradeline reported by XXXX XXXX on my credit report. Attached are several letters from XXXX referencing late payments and a loan modification program ; however, none of these letters were addressed to me personally. This raises serious concern, as it is the responsibility of XXXX to directly notify all impacted borrowersincluding myselfof any changes or modifications regarding their mortgage account. To date, I have never received proper notice or communication from XXXX regarding these supposed late payments or any modification to my loan terms. As a result, these derogatory marks have been reported in error and are causing significant harm to my credit profile, severely lowering my credit scores. This, in turn, has placed me at risk of being unable to secure a mortgage for a new homesomething that could impact me and my family for years to come.","date_sent_to_company":"2025-07-21T15:47:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"68123","tags":null,"has_narrative":true,"complaint_id":"14777520","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-21T15:43:01.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To date, I have never received proper notice or communication from XXXX regarding these supposed <em>late</em> <em>payments</em> or any modification to my loan terms. As a result, these derogatory marks have been <em>reported</em> in error and are causing significant harm to my credit profile, severely lowering my credit scores. This, in turn, has placed me at <em>risk</em> of <em>being</em> unable to secure a mortgage for a new homesomething that could impact me and my family for years to come."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[13.894079,"14777520"]},{"_index":"complaint-public-v1","_id":"14775133","_score":13.894079,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the late payments and/or the entire tradeline reported by XXXX XXXX on my credit report. Attached are several letters from XXXX referencing late payments and a loan modification program ; however, none of these letters were addressed to me personally. This raises serious concern, as it is the responsibility of XXXX to directly notify all impacted borrowersincluding myselfof any changes or modifications regarding their mortgage account. To date, I have never received proper notice or communication from XXXX regarding these supposed late payments or any modification to my loan terms. As a result, these derogatory marks have been reported in error and are causing significant harm to my credit profile, severely lowering my credit scores. This, in turn, has placed me at risk of being unable to secure a mortgage for a new homesomething that could impact me and my family for years to come.","date_sent_to_company":"2025-07-21T15:47:36.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"68123","tags":null,"has_narrative":true,"complaint_id":"14775133","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-21T15:47:03.000Z","state":"NE","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To date, I have never received proper notice or communication from XXXX regarding these supposed <em>late</em> <em>payments</em> or any modification to my loan terms. As a result, these derogatory marks have been <em>reported</em> in error and are causing significant harm to my credit profile, severely lowering my credit scores. This, in turn, has placed me at <em>risk</em> of <em>being</em> unable to secure a mortgage for a new homesomething that could impact me and my family for years to come."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[13.894079,"14775133"]},{"_index":"complaint-public-v1","_id":"15694728","_score":13.892571,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint because my credit reports contain inaccurate late payment history and false personal identifiers that I have already disputed. These errors remain uncorrected despite the bureaus exceeding the 30-day reinvestigation period required under FCRA 611 ( a ). \n\nLate Payment Misreporting My XXXX XXXX and XXXX accounts are being reported with XXXX  day late payments even though the accounts show a {$0.00} balance, closed/paid status, and no current delinquency. Reporting an account as both closed/paid and seriously delinquent is contradictory, misleading, and violates FCRA 1681e ( b ), which requires maximum possible accuracy. The bureaus have not provided billing statements, signed contracts, or payment records to substantiate these alleged lates. Instead, they continue to report harmful derogatory data without verification. \n\nIncorrect Personal Identifiers My reports also show inaccurate personal data including the addresses XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and an incorrect date of birth XX/XX/year>. These identifiers do not belong to me and have no verified connection to any credit relationship. Reporting false identifiers creates a high risk of file mixing, identity fraud, and misattribution of accounts. Under FCRA 609 ( a ) ( 1 ), I have the right to an accurate disclosure of the information in my file, and under FCRA 1681e ( b ), bureaus are required to follow reasonable procedures to assure maximum possible accuracy. The continued presence of these false identifiers demonstrates failure to meet that obligation. \n\nBecause I was a confirmed victim of the Equifax Data Breach, my personally identifiable information is already at heightened risk. The bureaus have a legal duty to apply increased diligence in verifying my personal data and to remove any unverifiable names, addresses, or dates of birth. Their failure to do so after repeated disputes shows negligent or willful noncompliance under FCRA 1681n and 1681o.\n\nThe inaccurate late payments and false personal identifiers are causing direct harm to my creditworthiness, lowering my XXXX  scores, reducing approval odds, and creating a risk of fraudulent association. These items must be corrected or permanently deleted.","date_sent_to_company":"2025-09-03T18:54:54.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"21144","tags":null,"has_narrative":true,"complaint_id":"15694728","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-03T18:48:14.000Z","state":"MD","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am filing this complaint because my credit <em>reports</em> contain inaccurate <em>late</em> <em>payment</em> history and false personal identifiers that I have already disputed. These errors remain uncorrected despite the bureaus exceeding the 30-day reinvestigation period required under FCRA 611 ( a ). \n\n<em>Late</em> <em>Payment</em> Misreporting My XXXX XXXX and XXXX accounts are <em>being</em> <em>reported</em> with XXXX  day <em>late</em> <em>payments</em> even though the accounts show a {$0.00} balance, closed/paid status, and no current delinquency."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[13.892571,"15694728"]},{"_index":"complaint-public-v1","_id":"14775132","_score":13.870665,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to formally dispute the late payments and/or the entire tradeline reported by XXXX XXXX on my credit report. Attached are several letters from XXXX referencing late payments and a loan modification program ; however, none of these letters were addressed to me personally. This raises serious concern, as it is the responsibility of XXXX to directly notify all impacted borrowersincluding myselfof any changes or modifications regarding their mortgage account. To date, I have never received proper notice or communication from XXXX regarding these supposed late payments or any modification to my loan terms. As a result, these derogatory marks have been reported in error and are causing significant harm to my credit profile, severely lowering my credit scores. This, in turn, has placed me at risk of being unable to secure a mortgage for a new homesomething that could impact me and my family for years to come.","date_sent_to_company":"2025-07-21T15:47:35.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"68123","tags":null,"has_narrative":true,"complaint_id":"14775132","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-07-21T15:47:03.000Z","state":"NE","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To date, I have never received proper notice or communication from XXXX regarding these supposed <em>late</em> <em>payments</em> or any modification to my loan terms. As a result, these derogatory marks have been <em>reported</em> in error and are causing significant harm to my credit profile, severely lowering my credit scores. This, in turn, has placed me at <em>risk</em> of <em>being</em> unable to secure a mortgage for a new homesomething that could impact me and my family for years to come."],"issue":["Incorrect information on your <em>report</em>"]},"sort":[13.870665,"14775132"]},{"_index":"complaint-public-v1","_id":"4099529","_score":13.865659,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"pnc bank denied my pnc points visa credit card application with no negatives on my XXXX  report with an good credit score XXXX base off usa population a XXXX credit score is considered good and no risk factor not only did i already had current years of loans paid off auto loans never late, current loans being paid ontime, and have credit card being paid ontime i am not new to credit and i disagree with the denial letter and ask for reconsideration for an approval. i applied for the pnc because co-workers told me about how pnc bank is a good bank to start a long relationship with and so i applied and denied me of really no good reason to say i am a risk when i am not i feel ive been mistreated in the fair process and in reviewing other pnc credit cardholders reviews that they got approved with limited credit experience and lower credit score of XXXX i am dissapointed of the denial when i already establish enought credit for an approval in my opinion maybe pnc under writters are being more tengy on approvals because of covid-19 pademic even with my profile of years on ontime payments, no lates ever, i already shown i can handle credit and deserve an approval.","date_sent_to_company":"2021-01-27T07:05:01.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"338XX","tags":null,"has_narrative":true,"complaint_id":"4099529","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2021-01-27T06:42:41.000Z","state":"FL","company_public_response":null,"sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["pnc bank denied my pnc points visa credit card application with no negatives on my XXXX  <em>report</em> with an good credit score XXXX base off usa population a XXXX credit score is considered good and no <em>risk</em> factor not only did i already had current years of loans paid off auto loans never <em>late</em>, current loans <em>being</em> paid ontime, and have credit card <em>being</em> paid ontime i am not new to credit and i disagree with the denial letter and ask for reconsideration for an approval. i applied for the pnc because co-workers"]},"sort":[13.865659,"4099529"]},{"_index":"complaint-public-v1","_id":"6664109","_score":13.797362,"_source":{"product":"Mortgage","complaint_what_happened":"Once again~Servicer is intentionally trying to delay borrowers payment to increase the risk of default. CCM has had my mortgage payment since XX/XX/23 mailed on XX/XX/23 through usps. I HAVE A TRACKING NUMBER SHOWING AND A SCREEN PRINT SHOWING IT HAS YET XXXX BE PROCESSED As of XX/XX/23 they had not processed the payment. Just like last time they waited too long to process the payment and caused a late fee and there being a returned check. Although this time these are certified funds. Last time they caused a 30 day late on my credit report making me denied for financing and higher interest rates due to credit score. I believe they are intentionally trying to make me default on the loan so they may acquire my property.","date_sent_to_company":"2023-03-09T02:03:41.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"64083","tags":null,"has_narrative":true,"complaint_id":"6664109","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CrossCountry Mortgage LLC","date_received":"2023-03-09T01:51:19.000Z","state":"MO","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Once again~Servicer is intentionally trying to delay borrowers <em>payment</em> to increase the <em>risk</em> of default. CCM has had my mortgage <em>payment</em> since XX/XX/23 mailed on XX/XX/23 through usps. I HAVE A TRACKING NUMBER SHOWING AND A SCREEN PRINT SHOWING IT HAS YET XXXX BE PROCESSED As of XX/XX/23 they had not processed the <em>payment</em>. Just like last time they waited too long to process the <em>payment</em> and caused a <em>late</em> fee and there <em>being</em> a returned check. 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