Consumer complaint received 2019-12-23
Company: FC HoldCo LLC
State: FL
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 been having a lot of problems with flagship credit I have been making my payment and they keep reporting late. and 2018 it was a hurricane for XXXX XXXX and XXXX, I was told by a flagship credit employee that I had a three-month grace point due to the hurricane they told me they will push the payment back until I was back at work. I later found out that they reported late payments and they didn't honor what I was told on the phone. just recently they put a 30-day late payment on my credit report for the month of XXXX. my payments are due by the XXXX of every month its known way they can report a late payment for the month of XXXX until after XX/XX/XXXX they fixed the reporting issues for the month of XXXX I spoke with XXXX a manger there and XXXX spend over my bank account information and got it fixed. now it is XXXX and they are doing the same thing reporting me 30days pass due there is no way I am 30days pass due when its hasn't even been 30days yet. all my payments have been paid before 30days. the customer service rep let me know that I was paid up and just have to make sure to make my next payment before XXXX XXXX.. they said I was missing a payment for XXXX and XXXX I made two payment in XXXX XXXX on XX/XX/XXXX and the other one on XX/XX/XXXX both payments cleared also made payment XXXX. flagship is saying that they are not reporting negative and that they see that I am all payed up and all payments are made before 30days. I talk to XXXX XXXX the dispute manger and he told me everything was fixed for my late payment. I have my bank statements that shows they did as way and it shows what times they got it. I also three-way my bank XXXX XXXX. on the phone with flagship to go over the payments. this has been a lot for me I am very stressed out I am a single mother of XXXX and i don't have money to just give away I am working on buying a house and all these issues with flagship credit with my payment is hurting my credit badly please help. This company is being very nasty to me on the phone I have been yelled at hang up on. And talked to with so much anger. At this point I am afraid of having a conversation with this company because they are so disrespectful. I dont know what might happen next. I dont feel comfortable even being in this contact with flagship no longer because of the disrespect the losing my payments and the poor customer service I have been with this company for three years now and it getting worse every year I cant keep dealing with this verbal abuse. I just want this situation handled as soon as possible. I feel that Im being manipulated and taken advantage of I dont feel like flagship credit is being credible I have reached out to third party my bank XXXX. XXXX   and they verified that all payments was received on time. I also provided documents to prove it. all I am getting is yelled out and hang up on. I cant take it anymore. this has hurt my credit score by over 100 point the information is incorrect and flagship credits error that needs to be fixed. The federal Fair Credit Reporting Act XXXX FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.

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