Consumer complaint received 2023-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Grain Technology, Inc.
State: MN

Complaint narrative:
I attempted to make a withdrawal for {$530.00} in XXXX through the app and was not able to ( withdrawal button was grayed out ) and I couldn't understand why. After looking, at the information to verify all payments were made, I noticed I had a past due amount for some reason. I thought it was highly unlikely auto pay have been enabled since the onset of the loan. After discovering, I couldn't reach the company by phone to get an explanation, I manually submitted the payment on XX/XX/XXXX in the amount of {$26.00} but was still perplexed as to why anything would be past due. I submitted an email on XX/XX/XXXX to Grain Technology customer support asking for an explanation. I didn't hear from anyone until XX/XX/XXXX and XXXX provided an explanation, stating, " We were experiencing an issue with our bank connection partner that affected in-app and automatic payments. I can confirm that the issue has been resolved and payments should now be functioning properly, but it does seem that your account was affected by this issue. Upon checking my records, a payment was taken on XX/XX/XXXX and another payment on XX/XX/XXXX, which confused me as to how my account was past due. After the payment cleared on XX/XX/XXXX I went back to may account to see if I could make the withdrawal I was trying to do and I was able to initiate a {$530.00} withdrawal on XX/XX/XXXX and received a email that stated it was deposited into my account on XXXX as well. Again, I thought everything was okay. XXXX-I did receive a notification that I had a upcoming bill due on XX/XX/XXXX for {$50.00} and it stated, " Since you have Auto-Pay enabled, we'll take care of it ( just make sure your checking account has enough in it ) '' and I thought it would auto pay as that is the payment method, nonetheless I got an email from Grain Technology with a new bill due date for XX/XX/XXXX that reflected a past due amount of XXXX on XX/XX/XXXX stating the following, New Balance : {$1000.00} Minimum Payment Due : {$50.00} Amount Past Due : {$24.00} Monthly Fees Past Due : {$0.00} Payment Due Date : XX/XX/XXXX I then received an email from XXXX on XX/XX/XXXX stating : XX/XX/XXXX, XXXX XXXX Hey XXXX, We were going over your account and noticed that your account 's automatic payment did not properly trigger before your XX/XX/XXXX due date. 

In order for our accounts team to properly investigate your account, you will need to bring your account to a current standing. This means paying both your past-due balance and your current minimum payment. 

Please reply in this thread once you've initialized these payments so we can further assist you in this matter. 

I responded XXXX XX/XX/XXXX, XXXX PST I am confused as to all the emails I am getting. Whose fault is it that my automatic payment did not trigger. It is XXXX and it is taking this long to resolve this issue. I paid the on XX/XX/XXXX already after discovering I had a past due amount that I knew nothing about. You stated on XX/XX/XXXX that the information was resolved but today saying something different. What is the issue? Every month it is past due despite me paying the past due XX/XX/XXXX. 

Company Response XXXX ( Grain Technology Customer Support ) XX/XX/XXXX, XXXX PST Hey XXXX, Thanks for your reply and I'm sorry for any confusion caused by this matter. 

Before we're able to provide more concrete answers, we will need for you to bring your account to current so our credit reporting team can fully access your account. 

Please reply in this thread when you've initiated your payment to bring your account to current so we can further assist you in this matter. 

Please refer to the attached document with the emails and correspondence about payments. 

On XX/XX/XXXX I was notified by several credit monitoring sources that Grain Technology reported my account 30 days late on XXXX, and no more than XXXX payments late on XXXX. On XX/XX/XXXX, I received a monitoring alert that my account was reported 30 days late to XXXX I paid the past due again and the current ( I guess ), as instructed by XXXX in order for my account to be investigated. It seem as if I didn't then they would not look into the matter despite ruining my credit over something caused by a glitch-no fault of my own. On, XX/XX/XXXX, I paid the alleged past due and current amount and notified XXXX as instructed on XX/XX/XXXX. He replied, XXXX ( Grain Technology Customer Support ) XX/XX/XXXX, XXXX PST Hey XXXX, Thanks for your reply and for submitting your payment. 

I have escalated this to our credit reporting team for review. If the reporting team determines that more information is needed, we will reach out to follow up with you. 

Thank you for your patience and understanding! 

I am still waiting for a review and a resolution.

Company response to consumer: Closed with explanation