Consumer complaint received 2019-05-02
Company: TAMMAC HOLDINGS CORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had a mortgage loan with Tammac Holdings Corporation sinceXX/XX/XXXX, within the 1st year I was with them I was never late with my payments, this was my first ever mortgage so if anything I was early. I was marked as late on many payments, I contacted the company and they corrected the issue. In XX/XX/XXXX the company allowed me to remortgage for a lower percentage rate, going from 11.65 % to 11.25 % and lowering my payment. I have a document from that time that states when payments are due but no where on this document did it show anything about late payments, fees, reporting to credit agencies. I made all of my payments on time and once again Tammac reported me as late in XX/XX/XXXX, I filed dispute through XXXX at that time and it was corrected. At some point I was being considered late again and I had asked if they had automatic withdrawals, they do not, they also do not have an option to pay online and until recently ( last few years ) there was no option to pay over the phone without an astronomical fee, this fee has since come down to {$4.00} ( which is ridiculous since they do not have auto withdrawal or online payment options ). I also at one time was told that my payments were not arriving on time and that the issue was on their end because their mailing address is to Maryland and they were not receiving the payments on time from their own company. I was then advised to mail payments to the XXXX XXXX, Pa address which I have been doing for many years. The due date of my loan is the XXXX of each month but when I changed jobs it was not feasible for me to be able to make the payments for the XXXX because I was paid only twice a month on the XXXX and XXXX, I was advised at that time by Tammac that I was under no deadline on payments other than they had to be within 30 days of the due date. I then started mailing my payments around the XXXX or XXXX of the month have been mailing my payments that same way since at least XX/XX/XXXX, this has never been an issue. If you look at my credit report I have been marked as on time this entire last 6 years. For some unknown reason I am being marked as " not current '' for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is incorrect information so I disputed this through XXXX   once again, those months were then changed to 30 days past due, this was unacceptable to me since I know that my payments have remained the same and the months prior and after those days are all ok. I went to my bank and received the checks for those months and it is clear that the payments were all made around the same time frame around the XXXX - XXXX of each month but it shows that they are not being posted until at least 7 days after the checks are received. The payments are being made the same way I have for the last 6 years and there is no reason for those months to be considered " not current '' or " 30 days late ''. I then disputed again through XXXX, and I mailed them the check copies from my bank showing that they were mailed on those dates but Tammac, who is 45 minutes from my home address is not crediting my payments for those months until at least 7-10 days after they receive them. It was my understanding that the law was that they be credited as soon as they were received because businesses do not do banking every day of the week and it is unfair that you have a payment but are not crediting me. If I mail a check on the XXXX it is for sure getting to Tammac by the XXXX but they take another 5 days to credit my account. I checked my credit report today and noticed that not only did they change the " 30 days past due '' back to " not current '' but they changed the months from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now marking XX/XX/XXXX and XX/XX/XXXX ( which XX/XX/XXXX was not even part of this previously ) to no data and the checks for XX/XX/XXXX and XX/XX/XXXX, I did a deferment for the months of XX/XX/XXXXand XX/XX/XXXX was advised that this would not affect my credit because it was just being added to the end of the loan and I have a document that I signed and there is nothing on that document that states otherwise. The check for XX/XX/XXXX is dated XX/XX/XXXX and it posted on XX/XX/XXXX so why is this being marked as " no data ''? When I spoke to XXXX they told me that the documents I submitted were unacceptable and I wanted to know why and they said that they did not consider them unacceptable Tammac did and they made the new changes to my credit report. I do not want to contact Tammac at this point because I fear that they will not only dispute my request again but perhaps make additional changes not in my favor since they have already made it worse. I have proof of all of these changes and they are for no reason other than they are mad that I am proving them wrong. It seems to me that they are purposefully withholding applying payments to customers accounts as to wrongfully affect a credit score. I  think this is unfair, unethical and illegal. I have the proof in documents so I am not sure why these few months are different than the last 6 years, especially when they are the ones that make it more difficult to make payments with them. This is the 3rd time I have had an issue with this company marking my credit report with incorrect information and this time they will not correct it, this is affecting my life on other ways and it is unfair. I demand a correction to my credit report in my favor for all that is currently marked as incorrect and I think that going forward they need to be careful of ruining customers credit when they are the ones withholding payment updates on accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation