Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.

Complaint:
I have a {$1000.00} Line of Credit with Grain Technology. Opened XX/XX/XXXX. 
I paid it off on XX/XX/XXXX ( {$920.00} ). Later, there was a fee or some left over interest of {$7.00}, which was paid on XX/XX/XXXX. 

Grain is reporting late payments to XXXX. Showing 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 

XX/XX/XXXX - I was assessed an Annual Fee charge of {$80.00} XX/XX/XXXX - Interest charge of XXXX cents is assessed XX/XX/XXXX - Late fee of {$1.00} is assessed ( They are in control of pulling payments ) XX/XX/XXXX - {$1.00} payment is pulled from my bank account On XX/XX/XXXX, Grain increased my credit line to {$1200.00}. ( The day before this, an amount of {$1.00} was pulled from my bank account to pay this charge.. not sure what this was for.. but understood it was legitimate. 

XXXX/XXXX/XXXX, on my Grain XXXX, I was asked to upload a copy of my Social Security Card. I don't have this ( lost ), so I uploaded a picture of my U.S.A. Passport. 
App is locked until my identity is properly verified. 

XX/XX/XXXX - Interest charge of XXXX cents is assessed XX/XX/XXXX - {$1.00} late fee is assessed XX/XX/XXXX - {$1.00} payment is pulled from my bank account XX/XX/XXXX - Interest charge of XXXX cents is assessed XX/XX/XXXX - {$1.00} late fee is assessed XX/XX/XXXX - {$1.00} payment is pulled from my bank account On XX/XX/XXXX, the day I noticed the late payment being reported, I emailed Customer Support. Auto- reply from Grain followed on XX/XX/XXXX. 
Still can't open app, says it's trying to verify my identity. 

On XX/XX/XXXX - still no direct response from Grain. I emailed again on XX/XX/XXXX. 

XX/XX/XXXX - Interest charge of XXXX cents is assessed XX/XX/XXXX - {$1.00} late fee is assessed XX/XX/XXXX - {$1.00} payment is pulled from my bank account On XX/XX/XXXX - still no direct response from Grain. I emailed again on XX/XX/XXXX. 
On XX/XX/XXXX - I receive an alarming email stating I am being reported as 60 days late and am at risk of DEFAULTING. 

Still can't open app, says it's trying to verify my identity. 
On this day, I finally receive email communication from a human. She says she is looking into this and will follow-up. 

XX/XX/XXXX - still no response. 
I am now able to open the Grain XXXX it states they couldn't verify my identity and have refunded the {$80.00} annual fee, that they charged my on XX/XX/XXXX. 

It appears my Grain line of credit has been pulled, as it shows I have no availability. It also shows I owe them {$25.00} ( not sure why ). 

Bottom line, I want these credit reporting errors corrected ASAP. I just tried to pay the {$25.00}, but it's saying that my auto payment for this is scheduled for XX/XX/XXXX. 

I will be closing this account as soon as I can get someone to do so at this company. My bank is still connected to them to pull this final amount. I don't want them to try and blame me for not having the account connected. 

Thank you CFPB for any assistance you can provide on this. 
Sincerely, XXXX XXXXXXXX Disappointed with GRAIN

Company response to consumer: Closed with explanation