Consumer complaint received 2019-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

# 1 THIS ACCOUNT DOESN'T APPEAR ON XXXX. It needs to be ADDED. 

# I've had a mortgage with UBT since XX/XX/XXXX that is not appearing on XXXX  or TRANSUNION although UBT claim to have reported it to all 3 Bureaus. It has not appeared since XXXX. In my last complaint with UBT, I was told by them, the reason XXXX  could not report it was due to my name needing to be changed to " XXXX '' which I promptly did even though the credit with this account had always been set up with XXXX. However, even after doing this, it still does not appear on XXXX. 

# AFTER I contacted XXXX about this issue it was promptly investigated and fixed. XXXX investigation of XX/XX/XXXX reported ( see attachment ) A maximum lates in XXXX and XXXX to be 90 days. XX/XX/XXXX 's visual depicted XX/XX/XXXX as CURRENT - PAYING AS AGREED. Today, UBT is reporting a late payment in XX/XX/XXXX which is NOT THE CASE as the account has been current for the last 12 months since XX/XX/XXXX. In XXXX, it will be 12 months since it was ever late. 

# 2 ISSUE - THE BILLING STATEMENTS ARE WRONG. They do not reflect the 15 days of grace pursuant to Federal LAW but instead only allows for. 10 days of GRACE. 

# 3 ISSUE - THE ACCOUNT IS WRONG IN ITS ENTIRETY. 
Since XX/XX/XXXX, I have paid an additional {$10.00} along with the {$690.00} and instead of the balance going down it appears to going UP as it states as of today to be {$32000.00} when the balance was {$31000.00} in XX/XX/XXXX as reported by XXXX. 

This account was late as depicted in XXXX  's investigation as ( XXXX ) ( i.e., XX/XX/XXXX ). If this were the case, the late payments should only be a TOTAL of {$900.00} ( XXXX XXXX ( XXXX ) / XXXX x XXXX ( XXXX ) = XXXX / XXXX x XXXX ( XXXX ) = {$310.00} -- a TOTAL OF {$900.00} NOT {$2000.00} that is currently being reported ). FURTHERMORE, if the late payments are being calculated after 10 days instead of 15, then this would change the late payments entirely. 

As it stands, I want this account to start reporting to XXXX correctly. I would like to receive the entire history of this account from XXXX to the present immediately so that I can have my accountant go over it with a fine tooth comb to correct any late charges that have been assessed erroneously, and the BILLING STATEMENT CORRECTED TO REFLECT A 15 DAYS OF GRACE as prescribed by federal law. 

# 4 ISSUE - UBT HAS NOT GIVEN ME THE REQUESTED HISTORY FOR THIS ACCOUNT. 
I have requested the entire history of my account from XX/XX/XXXX that I have NOT received # 5 ISSUE - THE MORTGAGE BILLING STATEMENT IS WRONG I requested that my Mortgage Billing Statement be corrected to show a grace period of 15 days. and for this account to be ADDED to my EQUIFAX file. It has not appeared since XXXX. XX/XX/XXXXinvestigation shows the following XX/XX/XXXX as XXXX. # Based upon the erroneous Billing Statements, I do not believe that this account was ever 7 Tims 30 days late ; 5 times, 60 days late 5, or, 2 times, 90 days late. 

# THE END