Consumer complaint received 2020-03-04
Company: Statebridge Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2016 my mortgage payment went up after been on a loan modification payment plan for five years. Unfortunately, my payment went up and I completely forgot that it was supposed to go up that year. I do understand that I should have been on top of that but honestly, I forgot. I did send my monthly payment on time, but it was short. So, I received a phone call from Statebridge saying that I was late. I couldnt understand because I sent the payment on time. The lady explained that because the payment was short the money was placed into an account named unapplied funding. The lady said that they sent me a letter stating that my mortgage payment went up which is not correct. They either did not send that letter or they did, and I never received it. To make the history short, it took me 4 months before I was able to speak with a manager. They did not want to cooperate at all, so I filled a complaint to the Federal Consumer Agency, I did it again and again. I think total of 3 or 4 times and Statebrige at the end found the money and call me to apologize and said that I was right, that I did send my monthly payments that the money was in an unapplied funding account. The problem is that because they placed that money there in XXXX, for 6-7 consecutives months they reported to the bureau of credit that I  was late because the payment I was sending the used to pay the prior month since there were 1 month missing. 
In this package I am sending all communication ( e-mails, phone call records, complains file to different agencies, e-mail to XXXX XXXX XXXX, banks statements, etc. ) that I had with Statebridge and other agencies. I just want Statebridge to fix what they did wrong. I know the first payment was short, but you will see in this package that I took the necessary steps to try to fix this and statebridge did not cooperate and the manager and supervisor were the worse specially XXXX XXXX ( Dont know if I am spelling his name right, I apologize ) he was rude and very unprofessional. Please help me to fix my credit report. It is completely unfair what statebridge did to me. If the first month has to be there like I was late because I was short on the payment, I will understand because It was my fault, I forgot that my mortgage payment was supposed to go up, but the rest of the payments that were reported as late, they were never late. Statebridge misplaced one-month mortgage payment, making me late for the following 6 months.

I really appreciate if this issue get fix for once and for all. I need Statebridge to take responsibility for what they did and report the right thing to the bureau of credit, so my credit report doesnt keep showing that I was late for 6 months because I wasnt. If you have any question or if there is  anything, I can do to get this matter resolved, please do not hesitate to contact me. I am sending all records such as bank statement, phone call, emails, etc. by mail. I have already sold the property but still need to get my credit report fixed.

Company response to consumer: Closed with explanation