Consumer complaint received 2019-03-08
Company: PLAZA HOME MORTGAGE, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Plaza Home Mortgage is still reporting incorrectly on my credit file. Plaza Home Mortgage is stating verified that I was late XXXX and XXXX when I have proof that I not only paid on time, but that Plaza Home Mortgage has cashed the checks.Plaza Home Mortgage also has documentation that I signed that will show proof that I was under a mortgage forbeance agreement from XX/XX/XXXX forward and was under a agreement with Plaza Home Mortgage that I was approved for not having to make payments due to hardship and that my mortgage would not be reported as late to the credit agencies due to being in a mortgage forbeance while under forbeance due to my excellent payment history prior to hardship. This was a law binding agreement that Plaza Home Mortgage has failed to follow and has hurt my once excellent credit score tremousdly.That forbeance agreement that they keep procrastinating mailing me a copy of will show proof that I was not required to make a payment due to being laid off from work from XX/XX/XXXX forward .Again Plaza agreed at that time that due to my approval for forbeance I would not be reported late from XX/XX/XXXX forward. I always paid my mortgage on time prior to my signed forbeance agreed.It was because of my excellent payment history and proof of hardship that I was even approved for the mortgage forbeance. This information came from Plaza Home Mortgage. My mortgage forbeance agreement was a legally binding document that was not followed by Plaza Home Mortgage regarding not reporting me late to the credit agencies.By XXXX once out of forbeance I began my three month trial payment with Plaza and as agreed paid on time dispite Plaza increasing my mortgage from XXXX to XXXX.I have asked Plaza Home Mortgage for a copy of my forbeance and they have chosen to keep prolonging my request .Plaza Home Mortgage again agreed to not report me late during my time frame in forbeance from XX/XX/XXXX forward. again due to my approval for forbeance .But despite my disputes to the credit agencies they have failed to follow my forbeance agreement and update my credit report accurately by removing the late payments and documentati.ng correctly ball the months that I was under forbeance .In addition, Plaza Home Mortgage has still failed to mail me proof of where my XX/XX/XXXX trial payment has gone towards my mortgage.Not to mention when I called and spoke to a Plaza Home Mortgage representative she stated that she can see a payment, but no documentation where the company placed the money towards my mortgage.Plaza Home Mortgage has sent a response that they sold my mortgage in XXXX XXXX.I want Plaza Home Mortgage to show me in the federal guidelines where selling my mortgage exempts them from following the law and reporting my mortgage correctly while they owned the mortgage. This is my life I have rights and I expected for this company to stop committing fraud and report me correctly to the credit bureaus and to give me proof of my mortgage forbeance from the year of XXXX.

Company response to consumer: Closed with explanation