Product: Credit reporting, credit repair services, or other personal consumer reports

Note : Most dates are correct but some are approximate Regions Mortgage " Regions '' took over my mortgage loan as it was purchased from my previous lender. Once this happened I called Regions and told them that I wanted to set up auto-payment for my monthly payments. The person on the other line informed me that it had been done. 

On approximately XX/XX/XXXX I noticed that my mortgage had not been paid for two months through my bank account and I noticed that my FICO score had been significantly reduced from XXXX  and XXXX  because of this. I decided to call Regions to find out what was going on. On this date I was transferred around multiple times and talked to XXXX and XXXX. I was told at that time by XXXX from Regions that she would be sending my account to their credit department to research and I would be getting a response from them within 7-10 business days. 

On XX/XX/XXXX I talked to both XXXX and XXXX at Regions. I was told to send confirmation from my credit union that the account was open and valid at the time the payments were and that I needed to send my bank statements to prove that there was money in my account at the time they tried to remove the money. I faxed that information approximately the same day. 

On XX/XX/XXXX, I talked to XXXX at Regions to find a status, he confirmed that the previous fax I sent was received and he was working on it. I was told my Regions that they needed another letter from my credit union with specific information that was not included in the first letter. I asked Regions if they could write the letter to send to my credit union so that it was correct and the said they couldn't do that. So I did my best to figure out what to ask the credit union to put in the letter based upon what they had told me. 

On XX/XX/XXXX I called Regions again and talked to XXXX. She told me that I needed to get my credit union to include the routing number and signature on the document send previously. Which I requested from my credit union. 

Shortly thereafter, I called Regions again and asked the status and was told that they did not receive my fax and they would forward the other documents to their credit department. I had noticed that one of the two delinquent payments were taken off the XXXX  account but the XXXX XXXX was still there. They also removed the delinquent payment from XXXX on the XXXX  and XXXX  but not for XXXX. 

On XX/XX/XXXX I received a phone call from XXXX from Regions who informed me that the whole problem was that some numbers were transposed on the auto draft and because that was not my fault they were going to take the negative statements off my credit reports. 

After a couple of days, the negative statement on my credit report was removed from XXXX  but not XXXX  or XXXX  and only one of the two late payments were removed from XXXX, XXXX  and XXXX. There was still one showing on each for XX/XX/XXXX. 

I called again to inquire as I had been seeing a pattern of misinformation coming from Regions and wanted to make sure that indeed they reported to XXXX  and XXXX that the negative report would be removed from my account. I was told to give it some time, which I did. 

On XX/XX/XXXX I called again to report that the XXXX  and XXXX  was still showing the late payment and was told that I should contact them to figure out what was wrong with them and why they hadn't updated my file. It was as though they were just passing the buck and me all around so they didn't have to spend the time researching for me. But, I did what they asked and contacted XXXX  as they suggested which they consequently sent an inquiry to Regions. A few days later I received notice from XXXX  that they received a certification from Regions that the late payment was valid. 

I once again called Regions and asked to speak with their credit department which I was told didn't exist. Once I indicated that I have been speaking with them for the last three months the operator told me that I requested something else other than to talk to that department. After being on hold for some time, XXXX once again got on the phone, this time seemed perturbed and informed me that she does not take phone calls and appeared to take zero responsibility for the error. She told me that she would re-submit to XXXX  after I asked her if she was aware of FCRA.