Consumer complaint received 2017-07-27
Company: Ditech Financial LLC
State: TX
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:
On XX/XX/XXXX a payment was debited from my account in the amount of {$250.00} made payable to ditech. In XX/XX/XXXX the payment was identified as being 30 days late. I called and explained the auto-payment scheduling had expired and once I noticed, made the payment immediately which was less than 30 days. They contend that they dont do people favors and that they did not receive the payment. Below is the correspondence that I sent them and never received any resolution to the issue of this payment was not 30 days late. I even included a copy of my bank statement. I believe ditech has issues with their accounting systems that dont properly reflect when payments are received and deceptive in not contacting you in the event that there is an issue with your account. I have consistently paid this debt in a timely manner and take exception to how I was treated and the fact I have a derogatory mark on my credit report.
XX/XX/XXXX I dont appreciate the flippant tone used in the letter and the intent behind your words are both troubling and reason for me to escalate internally in your company. As mentioned in my initial complaint, these payments set up through auto-pay from my account on the same time each month. There was an issue somewhere along the way and once it was identified I immediately submitted payment. If the account representative that called me would have informed me of the issue the payment would have been made sooner. Attached is a copy of my bank statement showing the payment was made on XX/XX/XXXX, so this indeed needs to be corrected on my credit report. Please adjust on XXXX and XXXX immediately.
XX/XX/XXXX As previously provided payment was received prior to XX/XX/XXXXthe {$250.00} is shown debited from my account on Wednesday, XX/XX/XXXX. There was no check to provide because this this was an electronic transfer which your antiquated records should show. I am not requesting a courtesy or need assistance with my credit score. You records are incorrect and I will be providing this proof to all three credit unions and will escalate internally within your company prior to finding another institution to service this loan. Your correspondence has been unprofessional and disrespectful. This is my final request for you to rectify the situation.
XX/XX/XXXX As previously stated, I dont agree and will begin the dispute process with all credit agencies. I am also in the process of trying to transfer this loan to another financial institution. I have excellent credit and always available to discuss any issues revolving around my account but I will not tolerate the unprofessionalism and disrespect I have experienced the past six months. I also plan to provide copies of all of our correspondence to the current President XXXX XXXX  The way this business has been handled up to this point, I am not surprised that this is the fourth CEO named in less than a year.

Company response to consumer: Closed with explanation