Consumer complaint received 2017-12-01
Company: HEARTLAND PAYMENT SYSTEMS INC
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 status incorrect

Complaint:
Only XXXX XXXX 2017 I received a letter in the mail telling me that My account was paid in full and that I no longer owed XXXX XXXX any further funds. There was a check enclosed for {$10.00} ( and some change ). I was leaving for vacation the following day and left the check and letter on my desk. On XXXX XXXX 2017, I Received a bill in the mail from XXXX XXXX stating that I owed them {$85.00} and that my previous amount was not paid. I called XXXX XXXX the following day ( XXXX/XXXX/2017 ) and explained to them that they had sent me a letter and that I no longer owed them anything and that now they were saying I did in fact owe them money. The Representative I spoke with told me of a XXXX program that would clear past late marks as long as I paid them back and never missed a payment over the next 9 months. I agreed to enter in the program under the condition that nothing done in 2017 would effect my credit negatively. The XXXX XXXX Representative told me that there would be no negative impact to my credit as long as I continued to make my future payments on time. I called the Heartland company who manages the account and set up an auto debt to take out the full {$30.00} on the due date every month. 

Some time in XXXX I received a past due notice saying I this was my second warning and that they would report against my credit. I called the heartland company that sent me the mailer and they told me they do not handle that and that I would have to call XXXX XXXX. I called XXXX XXXX and they told me that that notice was a mistake, and that as long as I continued to make payments they would not negatively report against my credit. 

I called XXXX XXXX a few days later to confirm the information I was told and for the third time I was told by XXXX XXXX that no negative marks would be posted against my credit as long as I continued to make my payments on time. 

Around XXXX/XXXX/2017 I received a notice from XXXX XXXX that my credit needed my attention, after looking. I saw that my credit had been negatively marked by, XXXX XXXX and that XXXX points was taken away. I Called XXXX XXXX right away and their story suddenly changed to, " that is how the XXXX   program works, it reports negatively against your credit until you finish paying us off and then we would clear all past due marks. '' I explained to the rep that I wanted to speak with a supervisor. The supervisor told me the same story, and then transferred me to a different supervisor, I explained everything to her as well and told her that XXXX XXXX was in violation of the Fair Credit Reporting Act by willfully reporting inaccurate information against my credit knowing full well that I was current and that I was making agreed upon payments and on time. 

They transferred me to someone who worked for the directors office there, and they reviewed my account and came to the conclusion that they had in fact screwed up and they made me fill out a deferment form and then told me I could log on and pay resign up for the auto payments and they would remove the negative marks. I sent an email to them to find out how long it would take for them to remove the marks they wrongfully posted against my credit, and they told me it would XXXX months, when I explained that was unacceptable, and that I could n't put my entire life on hold because they screwed up and had done undue harm to my credit, and they did n't care, simply forwarded my email to someone else. 

I have a letter from XXXX XXXX saying I was always in good standing and that I was never late in the months of XXXX and XXXX of 2017. 

I would like some kind of speedy resolution to this issue, as this all transpired as to no fault of my own, and soon would wonderful, as I was trying to rebuild my credit to take out a personal loan to get my debt under control because XXXX XXXX and XXXX are charging me 10.75 % interest rates.

Company response to consumer: Closed with explanation