Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FinFit Holding Co, LLC
State: OH

Complaint narrative:
I reached out to salary finance to resolve a problem about my last payment for a {$750.00} dollar loan in XXXX I called to check and make sure my account was closed and was told the the payment may not be reflecting on there in but to give it time then I called back in XXXX I called to ask why the loan is still reflecting as open when my payments should be complete I was told that my last payment didnt come out of my payroll for a reason they could not explain and told me to reach out to me employer which I did my employer stated there was no reason salary finance should not have taken the payment out of my check and it should be resolved within 30 days. I called salary finance back and asked why they still didnt take the payment they stated they could not take it out of payroll even after my employer stated salary finance made no attempt to take final payment so I scheduled a future payment for it to go through it and I was able to make my last payment of {$66.00} the customer representative stated everything was fine and long as the payment went through no collection activities or negative reporting to my score. Then recently in XXXX they reported to the credit bureau I was 60 days late on that payment I am trying to buy a home and I cant have late payments reflecting on my credit report. I reached out to salary finance for a good will deletion since I didnt receive any notice via mail that the last payment never came out even after I reached out multiple times to different people and everyone kept stating it may take time to reflect and once I realized it hadnt been paid I made arrangements to set up a arrangement for it to be paid and even paid it off and took out another loan with the company. They have refused to give me a XXXX time good will deletion for just plain courtesy they are stating they emailed me these notices and I should have checked my spam because I showed no emails inside my inbox but I do not remember opting out of physical mail statements and even if did the company showed no remorse to me wanting to buy a home and wouldnt offer the courtesy for a XXXX time good will deletion of the late payment. They are not showing good business practices for consumers who truly pay their bills on time and who are hard working. This is hurting my credit XXXX and I have even reached out to the ceo of the company XXXX XXXX and co founder XXXX XXXX via their emails. I am highly disappointed in salary finance I have taken another loan with them for the next XXXX and if anything happens with my loan their only solution is I should have checked my spam after I called them and my employer and did my due diligence yet they are making me suffer but yet making hundreds of dollars off of me and millions off of other consumers. This is not good for consumers and their families I have also emailed this complaint to both the founders I am highly highly disappointed this is preventing me from buying a home and the only thing the help desk told me was it was nothing they could do and to check my spam folder next time basically how enraging and how they do not care about their consumers it is not against the law to give a consumer a XXXX time good will deletion for someone who has had perfect on time payments and who is still doing business with this company for the next XXXX months they do not care how this is hurting my family and credit history

Company response to consumer: Closed with explanation