Consumer complaint received 2023-03-20
Company: Concord Servicing Corporation
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called Concord and I spoke with XXXX who took a payment because I was trying to access the website from XXXX to make payment and the page to make a payment would not load. He told me he was aware of that the website was having issues and he took the payment and waived the late fee. I asked him if this payment would cause a 30 day delinquency and he said it would NOT, and not to worry because they only report 60 day and higher delinquencies. On XX/XX/XXXX I called and spoke with XXXX and XXXX after seeing that I did indeed get a 30 day credit marker. He told me he would speak with his supervisor and have the call reviewed to confirm if XXXX DID indeed tell me that I would NOT get the marker and that someone would call me back, to date I have not gotten a call back or a reply to 2 email communications that I am attaching and the credit marker has not been removed. I have since gotten another marker and they told me on at least 2 phone calls that they only report 60 day and higher delinquencies I have all communications documented. On XX/XX/XXXX I spoke a young lady who told me a XXXX XXXX would review the calls and get back with me, which has never happened. This matter has affected my credit score and I missed a home purchase offer because of this. This has been mentally and emotionally draining. I have requesting a copy of all communications I have had with this company since XX/XX/XXXX. I have asked them for an address or contact person to have the call recording subpoenaed. The reporting on my credit report is not complete. The time share loan was opened in XXXX of XXXX but Concord did not start reporting payments until XXXX of XXXX when I went past due, due to me being set up on auto pay and my bank went through a merger and our debit card number changed and I didn't remember to update the card which was indeed my fault but as I explained to them I was paying every month on time and then they only start reporting me once I was behind, I do not believe that that is right. They are not giving me credit for my on time payments prior to the delinquency. I am desperately in need of help because I am not able to purchase a home because of this. I have 9 other open lines with no delinquencies. I again got another marker in XXXX because I called on the XXXX  which is the payment due day and they said because it was 31 days past due. I didn't understand that if my payments are due on the XXXX of each month. Because I had been told anything under 60 days is not reported I thought I was ok. No, another 30 days delinquency. I need these calls reviewed because if I was given correct information these credit markers would never have happened. I feel I am being taken advantage of and being that they have not responded to my emails or returned my phone calls they are very much aware they are wrong. They are currently only showing me with 7 payments made when 17 payments have been made which is causing my payment percentage on this loan to be 70 % due to the delinquencies which is damaging my score tremendously. Please help!!!!

Company response to consumer: Closed with explanation