Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
In XXXX my payment were recorded as late after not using the XXXX XXXX. The months recorded for the late payments were XXXX and XXXX. It was almost a year before I recognized this and it really damaged my credit. The company said they would correct it and it should not have been recorded as late and sent to the bureau. They said it was put into respite. The months were switched several times before being removed. BSI said they would put a note stating it was on their end and that it would help restore my credit. No note was sent, they just removed the late payments. XX/XX/XXXX I refinanced my home with XXXX XXXX  thinking I was moving on from BSI but they are partner companies. A few months later I start to receive tax bills from my county saying that my taxes hadnt been paid and that my home could be put up for auction due to failure to pay taxes. My taxes come out of my mortgage payments, so why havent they been paid? Then I had to call them to report my mortgage on my credit report. I refinanced in XX/XX/XXXX, I should not have to cal them in XXXX or XX/XX/XXXXXXXX  to report my mortgage or pay taxes that should have been paid out of my mortgage payment .One customer service rep said that I would have to pay more on my mortgage because of the taxes, which I didnt understand. I never had to do that before.XXXX XX/XX/XXXX I tried to get a lower interest rate for my home. When contacting BSI for the payout letter they increased the price of the payout by $ XXXX and doubled my taxes to $ XXXX. The lender I was working with couldnt understand why it was so hard to get a lower interest rate when unbeknownst to me and the lender all the numbers were raised and off. Once I was unable to get the rate lowered I once again contacted BSI and for the second time my account had to get audited because the taxes were wrong ( doubled ) $ XXXX, my taxes are $ XXXX. I was also told that I had a late payment recorded once again on my credit report, which I am trying to get corrected but it should not keep happening. I paid my mortgage over 2 weeks ago and noticed it has not been taken out of my account. I called over a week ago to see what the hold up was and was told it will be within a few day and that my payment would be posted for the day I originally paid. The funds are still in my account. I called back last week and the young lady said that the payment was sent back to the bank after being told it would be withdrawn. The customer service rep took my payment over the phone and put in a ticket to once again get my account audited because she didnt even understand what is going on with my account. She said there are a lot of discrepancies and she doesnt understand that even with me paying on time my payments are being taken late and the late payments are being reported to the credit bureau . Not fair to me, I have been with this company for 6 years and it seem like they keep doing things to my account, starting with the XXXX incident of putting late payments on my credit report then when I contacted them say it was supposed to be in respite. Why? None of my payments have been late and never 30 days late. I truly need assistance with this

Company response to consumer: Closed with explanation