Consumer complaint received 2020-10-05
Company: Synovus Bank
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back In XXXX of XXXX i closed on a construction to permanent loan with Florida Community Bank. In XX/XX/XXXX i filed an Discrimination complaint with CFPB against Florida Community Bank. i still decided to go ahead with the construction process of my home, it was a nightmare through this process. XXXX of XXXX my home was constructed, around XX/XX/XXXX Florida Community Bank transition to SYNOVUS BANK, then i was advised by Florida Community Bank to send all payments to SYNOVUS BANK which i did. Approximately XXXX XXXX  on XX/XX/XXXX I requested a payoff of my mortgage loan from SYNOVUS BANK, in return I received an email stating a have to wait 7 days for a payoff which i didn't understand why i had to wait 7 days. by XXXX XXXX that day i received another email with my payoff, i advised SYNOVUS BANK via email i wanted to have it payed off before XXXX or XXXX XXXX XXXX  that never happened, instead it happen XX/XX/XXXX and thats when they received the wire for my loan payoff. My Payment History was excellent with Florida Community Bank/SYNOVUS BANK before I requested a payoff of my loan on XX/XX/XXXX, i have my credit reports for XX/XX/XXXX and XX/XX/XXXX that proves I was never late for those months and SYNOVUS BANK never reported those months as being late prior to XX/XX/XXXX. On XX/XX/XXXX I receive a call from SYNOVUS BANK around about XXXX XXXX  requesting the payment for XXXX, she explained to me that I was 30 days late on XXXX payment and threatening me that if I dont make a payment by XXXX XXXX  that day she would report me to the credit bureaus. I explained to her a had been in contact with SYNOVUS BANK and i received my payoff from them, then i ask her how can I be 30 days late when it was XX/XX/XXXX XXXX my payment was due by the 5 of XX/XX/XXXX, she never explained to me how was that so. The next day on XX/XX/XXXX I received an alert from the credit bureaus that SYNOVUS BANK reported i had a Negative 30 day late payment on XX/XX/XXXX. I'm confused, So she gave me a 30 day late on the XXXX of the same month? I also have XXXX credit report to show it was reported on XX/XX/XXXX to the bureaus. On XX/XX/XXXX I made my XXXX mortgage payment to SYNOVUS BANK which I have done before and never been reported to the credit bureaus for 30 day late payment, I have all my payments receipts from XX/XX/XXXX through XX/XX/XXXX just as they have aswell, I paid off my loan balance in full to SYNOVUS BANK on XX/XX/XXXX, on XX/XX/XXXX I received another alert from the credit bureaus stating I had a Negative 90 day late From SYNOVUS BANK for the month of XXXXXXXX XXXX XXXX along with XX/XX/XXXX and that the account was now closed. I've been calling SYNOVUS BANK for 10 months to discuss and dispute this error, everytime I call them they have me on hold for 45 minutes just to come back and tell me they have no information about my account i had with them, I've tried to dispute this error through the credit bureaus and SYNOVUS BANK keeps reporting back to the credit bureaus within 30 days stating the information they reported is accurate but SYNOVUS BANK will not talk to me about it, and I was their customer who did business with them. I feel the treatment that I'm receiving is an extension of my Discrimination complaint I filed against Florida Community Bank back in XXXX of XXXX and this is not ethical. I thrive to have excellent credit/payment history this is my lifeline. This has ruined my credit and my score and it is unfair.

Company response to consumer: Closed with explanation