Consumer complaint received 2022-10-28
Company: Grain Technology, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Old : I have already attempted to fix this issue with Grain via the XXXX. & now I'm about ready to get an attorney involved. However, before I do, this will be my last attempt at trying to amicably resolve their incorrect reporting to my consumer file as I've given them more chances than I should have now. I will also be resubmitting my complaint via the XXXX  and the California Attorney General. Once again, companies can not believe they can get away with these atrocities. 

Grain has already agreed via a XXXX  thread and via email directly that all late payments reported under their account on my credit file would be corrected to reflect on time for every month they originally claimed I was late. This is because I was not only unable to access their online system in order to make my payments on time, but I couldn't contact anyone at the company for MONTHS! Imagine calling a company every day for 2 weeks straight ( 14 days in a row with cell records and screenshots to prove it ) only to be on the Line for 25 minutes at a time before you get a voicemail? Imagine texting a business ( lol ) that has an actual text service that claimed someone would get back to me but never does. Obviously, I have retained all texts from this encounter. Then imagine not being able to actually pay the entity you borrowed from only for them to report you as late. 

What a joke. Grain has reassured me several times now ( I have reached out several times to ensure they keep their word on our agreement to remove the late 's from my file ) that they would update my credit file. More than 1 month later, it remains unchanged. I will still consider continuing to pursue legal action even after this is resolved because companies like this can't think they can get away with this. I warned Grain that I would be reporting them to several different entities if my credit file wasn't updated in accordance with what was agreed upon. Although they have been a lot more responsive via email, it's a shame that it took me reporting them to illicit appropriate responses. 

The Recent : *All referenced screenshots are labeled appropriately for navigation* Fast forward to XXXX of XXXX - I am having a similar issue with Grain 's application. 

As you can see from the screenshots, they have also had technical issues in the past with their own app. I have asked for support since XXXX of XXXX and have received none, to no one 's surprise. Because of this continued lack of support, I am in the same situation as I was before. This is completely unacceptable. 

As you can see through the screenshots, I've been trying to contact them via email since XXXX and the late payments are issued in XXXX. I have yet to receive any support. They finally got back to me in XXXX of XXXX, more than a month and a half late responding to my most recent email request. 

Details of our recent encounter are also provided via screenshots. Grain now conveniently claims that they have received absolutely no correspondence from me prior to XXXX of XXXX. I'm uncertain if they mean for everything prior or just this year - however, I have proof to the contrary, so whether this is willful ignorance or just a bad system is irrelevant given the proof. 

This is the most recent email I've sent to them regarding my ideal resolution to this situation for all parties while avoiding a lawsuit : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX Hello, I forgot to add : assuming Grain would like to avoid the legal route, please be sure to let me know as soon as the requested changes are made. This includes all incorrect late payments from XXXX - XXXX, including XXXX as I will go ahead and make the full {$640.00} payment for the balance as soon as I receive confirmation in writing that you agree to make the requested changes. This will be done through the link you've provided via email as I still do not have access to the app. The receipt will be printed for my records. 

This request will also include XXXX of XXXX, as for some reason, there is a late payment there as well. I expect this will be done among all 3 credit bureaus within 30-60 days of the written agreement. As you all took months to procure the requested changes last year, this time, I am requesting all changes be made by the next credit cycle ( which is usually within 30-60 days ). Failure to do so within the allotted time frame may result in me rescinding this offer and filing suit regardless. All late 's are to be converted to on-time payments. I will expect to see those results within the allotted time frame after pulling a refreshed version of my credit report. Following confirmation of your intention, I will also reach out to the Attorney General, XXXX  and CFPB and drop my complaints as soon as possible, providing updates on our conversation here. However, I will still be posting a review about my experience with Grain via the XXXX  as stated in an earlier email. 

If Grain does not seek to correct their mistakes on my credit profile : I will escalate my complaints to the credit bureaus, producing all evidence I've included here, including the email correspondence between you and me, and in all XXXX of my complaints including documents from the complaints themselves and work with them on removing Grain 's erroneous account completely and in full ( my dispute will force-close the account ) and without any payment towards my outstanding balance. This has been done before easily and will be done again. Following the response I receive from the Attorney general, and depending on the nature of that response, I will then seek to file a lawsuit against Grain after securing counsel. The amount for damages will be determined in the time that follows securing counsel and Grain will be informed of any court proceedings. 

Please let me know what you intend to do. Also, please be advised that there are open complaints with the attorney general, XXXX, etc. pending against Grain regarding this particular situation. Please inform me if you intend on submitting your response there instead. I can provide you with the additional dates I've reached out to Grain as well as screenshots of those attempts. The screenshots in question are evidence in the complaints against you and can be viewed on the complaint itself. 

Have a great evening, XXXX XXXX This email can also be viewed in the screenshot. Please note : This email has not yet been responded to as of XXXX XXXX  on XX/XX/XXXX. Not sure if their 'records ' indicate that, but that screenshot is attached as well. The content of that message demonstrates what would be an appropriate resolution to my problem. A similar complaint has also been sent to the Attorney General of New York and now of California as of this afternoon on XX/XX/XXXX. I have already begun seeking counsel should this come to a lawsuit- but given how light my requests are, it would be unwarranted.

Company response to consumer: Closed with explanation