Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I reach out to Grain Technology referring to my account. I sent a email stating that I need to update my bank account information. I received a email back XX/XX/XXXX from XXXXXXXX XXXX A grain technology customer support this statement Im sorry for not getting back sooner. Unfortunately, we are currently having an issue with our bank connection partner. We will need to wait for the issue to be resolved by our tech support team before we are able to make any changes to your bank account on file. Until then, to be safe and make sure you are able to make a direct payment to your Grain balance I am attaching a payment link for your convenience I responded back to her I cant make a payment until my bank method is updated on the grain account and the link is not working. XXXX XXXX never responded. In the mean time I was in communication with a grain support member on XXXX explaining my situation as well. I was very skeptical about sending payments because of fake accounts but I had no other choice I sent them the same message on XX/XX/XXXX hi Im trying to make a payment but I cant due to me having a new bank account someone responded back XX/XX/XXXX Thanks for reaching out to us here at Grain, can you please confirm the email address and the first and last name that is on the account so I can have someone from the Support team follow up with you I sent them my primary email and I email them again XX/XX/XXXX No one help me yet .. my credit is reporting negative I been trying to make a payment for days I finally received a email XX/XX/XXXX which is extremely late because now my account is extremely late with charges. I reach back to Grain and sent a email expressing my feelings on my account on XX/XX/XXXX. I tried calling them but nobody never answers the phone .. the number they provided is on my credit report. I told them I think its very unprofessional how they handle business and not showing concern about the client. I received this response XXXX ( Grain Technology Customer Support ) XX/XX/XXXX, XXXX XXXX XXXX, Thanks for your reply. 

It appears that your account fell behind on payments during XXXX and XXXX, around the same time that we were experiencing issues with our bank connection partner. I understand that you had requested a bank change, but unfortunately, we weren't able to assist you at that time. Instead, we provided you with a payment link to help you keep your account up-to-date on payments on XX/XX/XXXX. However, it seems that the payment link was not utilized I responded The link did not work it always said it was expired it should not take that much to make a payment. 

I usually dont receive a response from any of you people until the next day you provide a phone number but never answer the phone. Its ridiculous at this time Im frustrated.. he responded XX/XX/XXXX XXXX XXXX, Thanks for your patience as we work on your account. 

Unfortunately, your account does not qualify for any corrections. Our system shows that we reached out to you on XX/XX/XXXX regarding the connection issue with an alternative payment method, but did not receive a follow-up message from you before your due date on any of the issues you were experiencing, or before your account reached charged-off status. 

Our agent 's final outreach was on XX/XX/XXXX, requesting more information about what you were seeing, but they received no reply from you. 

We understand this may not be the outcome you were looking for, however, we have correctly reported to the credit bureaus and unfortunately, can not make the requested corrections. Please let us know if have any other questions regarding your account I responded Im not sure what emails you are seeing but I never got a response. Can you send me emails for proof i received no response I responded again explaining his information is incorrect because I reach out first on XX/XX/XXXX nobody reach out to me and I got a response until a week later. 

He responded XXXX XXXX, Thanks for your reply. 

On XX/XX/XXXX, you received a reply from our team letting you know about the current issues we were experiencing, as well as giving you an alternative payment method so you could submit a payment. 

On XX/XX/XXXX, the agent asked for a screenshot of what you were seeing so we could further assist you in troubleshoot the payment link issue you were experiencing, but we received no reply. 

We also sent an email to your account 's primary email on XX/XX/XXXX letting you know of our updated method of linking your checking account, which allows you to link your checking account from within the Grain app. You were also notified through the app and through email of your account 's past-due status. 

I responded could I get emails for proof because I am not aware of those emails and I never received them and it was no response

Company response to consumer: Closed with explanation