|
6682132
|
2023-03-12
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CrossCountry Mortgage LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-12
|
| Complaint What Happened |
CROSSCOUNTRY MTG/XXXX ACCOUNT # XXXX Late payment reported on ( XXXX, XX/XX/2020 ). Please update the account as Paid/Current The late payments were reported during the COVID pandemic and congress passed a law on XX/XX/2020 stating creditors should not report any late payments. The law says the following : The Coronavirus Aid, Relief, and Economic Security ( XXXX ) Act, passed by congress and signed into law on XX/XX/2020, contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 USC 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by XXXXOVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XXXX XXXX, 2020 and do not apply to charged-off accounts. Please remove the late payments on XXXX and XXXX 2020 as its a direct violation of the Coronavirus Aid, Relief, and Economic Security Act. Thank You, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
4202839
|
2021-03-10
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
CrossCountry Mortgage LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2021-03-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-10
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
Past Due Property Tax Payment from Escrow Account.
Loan # XXXX, XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX.
CROSSCOUNTRY MORTGAGE,XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX IL XXXX is the servicer of our mortgage loan at the above address.
The City of XXXX sent us Past Due Notice Regarding Real Estate Tax for the year XXXX.
According to the Initial Escrow Account Disclosure Statement, Property Tax to be credited by XX/XX/XXXX. Due to failure on their part, City of XXXX is charging {$140.00}. XXXX as interest.
We sent a Notice of Error by certified mail on XX/XX/XXXX and they acknowledged the receipt of letter on XX/XX/XXXX.
It is more than 14 days and we didn't receive any information. The deadline for Property taxes to be paid is today XX/XX/XXXX and at this time of writing XXXX XX/XX/XXXX the property tax is not credited to City of XXXX, RI
|
| Consumer Consent Provided |
Consent provided
|
|
|
5547891
|
2022-05-06
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
CrossCountry Mortgage LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-06
|
| Complaint What Happened |
In Accordance with the fair credit reporting at CROSSCOUNTRY MTG/XXXX # XXXX Has violet my rights 15 usc 1681 section 602 state I have right to privacy 15 USC 1681 section 604 A section 2 : Ut also state consumer reporting agency can not furnish a account without my writing instructions.
15 USC 1666B : A creditor may not treat a payment On mortgage account under or open end consumers credit plan as late for any purposes.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3755971
|
2020-07-21
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
CrossCountry Mortgage LLC
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-07-21
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-21
|
| Company Public Response |
Company believes the complaint is the result of a misunderstanding
|
| Consumer Consent Provided |
N/A
|
|
