Consumer complaint received 2019-08-11
Company: Servis One, Inc., Titusville, PA Branch
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2019 after multiple attempts to log in to the website on days prior and multiple attempts to call in on this date and days prior, I was able to access my new mortgage in the telephone system.  On the website it clearly states they will not accept post dated payments, yet the website and the phone system only allows a payment to be dated the following day.  An agent in the following month told me that the day you call in your payment is logged in.  It was not.  It was posted on the following day,XX/XX/XXXX, and a 30 day late reported.  I paid in the 30th day.  I did the same thing the month of XXXX  I attempted again to log in.  I could not make a payment this way. In XX/XX/XXXX  Then I made 11calls, ultimately being able to finally get in the system and after 7 attempts, make a payment, approximately XXXX at night.  I was then told that this payment was posted on XX/XX/XXXX.  I was not aware of this until I learned that a 30 day for XXXX was reported in this day—again if this is the argument that they will ding me for a 30 day in XXXX and post my payment onXX/XX/XXXXand then I pay on XX/XX/XXXX, they are positing it on the 30th day.  This rationale then does not make sense.At that time, then an agent told me we posted it toXX/XX/XXXX because it was EST and you are CST, and this is clearly on our website.  It is not.It also clearly says that post dated payments can’t be made.  That is apparently the only way that you can post a paymentnonline and onthephone unless you speak with an agent.   None of this is adversitied.I disputed this when I found out about it the first time in XX/XX/XXXX.  It has been 30 days and I have not heard.  It took me escalating it a second time with all 3 bureaus and escalating it.I then got an email stating they would consider the dispute but they did not want to get a deragotory for retracting a late report, that it is adverse against true company.  They then proceeded to tell me that if I pay late it in the month or on the last day I need to speak with a representative and then they will post it immediately.Every story is inconsistent and the website does not support what I have been told nor what is typical operating practice (payment posts when called in).  I feel this is false and fraudulent credit reporting advertising and is false advertising for informing consumers.  I essentially have been denied the opportunity to use technology and use the paperless option and have a dependable system.  I have been denied the opportunity to maintain a spotless mortgage history.  They have reported two 30 day lates in a row.I want these deleted.  THe  company did say they value my business and appreciate the feedback.Please get these deleted from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation