Consumer complaint received 2020-12-14
Company: MidAmerica Mortgage Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good evening. On XXXX XXXX, I attempted to make a payment of {$1800.00} on my mortgage account with Mid America Mortgage Inc. However, Mid America Mortgage Inc automated Machine only took out {$1800.00}. I called and spoke with one of Mid America Mortgage Inc representatives and he informed me that the automated machine would only take the minimum due which was {$1800.00} and that I did not have to pay any late fees. However, over several months late fees had been accumulating. So, I made a separate payment of {$75.00} with the representative over the phone that was drafted from my account. On XXXX XXXX, I checked my XXXX XXXX account and the money was still in my account. I was extremely proactive, and reached out to Mid America Mortgage Inc to informed one of the Representatives that my mortgage funds were still in my account and to please resolve this situation before this incident becomes a negative reflection on my credit report and score. The representative informed me that the funds were being processed and to give it time. However, once again, the funds never deducted from my account. That following first week of XXXX, I called Mid America Mortgage Inc and informed each representative that my mortgage funds were still in my account and that this incident would be a negative reflection on my account. Each representative informed me that my payment went through and to give it time to process with XXXX XXXX XXXX. I became proactive and reached out to XXXX XXXX. I asked XXXX XXXX Customer Service representative if Mid America Mortgage Inc had attempted to draft my mortgage funds from my account. XXXX XXXX Customer Service representative informed me that Mid America Mortgage Inc had not attempted to draft any funds from my account. I reached out to Mid America Mortgage Inc and informed the representative that the funds transaction was not being processed and that XXXX XXXX had informed me. This conversation occurred at least two to three times during the first week of XXXX. This incident was not resolved. Come XXXX XXXX during the morning, a Mid America Mortgage Inc representative contacted me in regards to my Mortgage funds had not been processed, and that I had to make a payment. I informed the representative that I told his colleagues that Mid America Mortgage Company automated system did not processed the funds. I informed the Mid America Mortgage Inc representative that this incident would be a negative reflection on my credit report and score. The representative humor me and said that it want be a negative reflection on my credit report and score, and to call back the next day and inform them that this incident was not my fault. The representative also stated, that Mid America Mortgage Inc automated system is always having problems processing payments. I believe, on XX/XX/XXXX, XXXX sent me an alert informing me that my credit score dropped from XXXX to XXXX due to a late payment. My credit score decreased by 36 points. I contacted Mid America Mortgage Inc in regards to this incident negatively affecting my credit score and also to inform them that this incident was an error on their part with the Automated machine. I was eventually transferred to a supervisor at Mid America Mortgage Company to resolve this issue. However, she took my information and my complaint and stated that she would have to gather more information from the computer to see if there was an error with the system. On XX/XX/XXXX, the representative finally reached out to me after I had called this morning due to no response. The Mid America Mortgage Inc supervisor informed me that I put the numbers in the Automated system wrong and also that the system read the information back to me. I informed the supervisor that I put the numbers in right and also that the system confirmed payment processed. The Supervisor stated, the system will still process the information enter right or wrong and still say processed. I informed the Supervisor that this incident was a computer error and that this was not fair. I informed the supervisor that I was going to take this incident to a higher level. I Informed the supervisor that this was not the first time that Ive had problems paying my mortgage with the Automated system or with a Mid America Mortgage Inc representative. This is not fair. They are single handling destroying my credit, and are unwilling to accept responsibility on there part. I put the information in correctly, and the system stated that the transaction processed successfully. But in hinds sight, I was proactive and informed Mid America Mortgage Inc representatives that the automated system did not processed the funds. The Mid America Mortgage Inc representatives did not want to resubmit another payment after I informed them several times. Please help me. This isnt fair. Thanks for your time. Be safe and stay healthy.

Company response to consumer: Closed with explanation