Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11308212
Complaint Overview
Complaint ID: 11308212
Company: Roundpoint Mortgage Servicing LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Texas
ZIP Code: XXXXX
Date Received: 2024-12-24T12:00:00-05:00
Date Sent to Company: 2024-12-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally lodge a complaint against my mortgage company regarding inaccurate reporting of my payment history to the credit bureaus, which has caused a significant drop in my XXXX XXXX ( XXXX points ). The issue began in XX/XX/year>, when I noticed a marked decline in my credit report due to a reported missed payment for XX/XX/year>. However, the payment for XX/XX/year> was made on XX/XX/year>, and I have documentation confirming that this payment was submitted and processed as intended. Upon reviewing the issue with my mortgage company, I was informed that the payment was applied to XX/XX/year>, despite my intention and expectation that it would be applied to XXXX. I have had numerous communications with my mortgage company over the past XXXX months. They have continuously provided conflicting information regarding the forbearance period I was approved for. The company claims that the forbearance was approved for XXXX, XXXX, and XX/XX/year>, which led to the payment being misapplied. However, I have the forbearance agreement that clearly shows approval for XXXX, XXXX, and XX/XX/year>, not XXXX. Also if the forbearance period was for XXXX XXXX and XXXX then there should not be a missed payment for XXXX. Despite submitting supporting documentation and filing multiple tickets, I have not received a satisfactory resolution. Unfortunately, my disputes have been denied, and I have received no meaningful assistance. The issue was escalated to a supervisor who, after reviewing my case, stated that there was nothing further he could do other than send an email to their credit team. This step has already been taken, and it resulted in another denial without any resolution. Given the circumstances, I am requesting that the CFPB assist in resolving this matter, as my attempts to work directly with the mortgage company have been unsuccessful. I am seeking that the mortgage company corrects the error on my credit report and ensures that my payment history is accurately reflected. Thank you for your attention to this matter. I look forward to your assistance.
Frequently Asked Questions
What is Complaint #11308212 about?
Complaint #11308212 was filed against Roundpoint Mortgage Servicing LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-12-24T12:00:00-05:00.
How did Roundpoint Mortgage Servicing LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Roundpoint Mortgage Servicing LLC?
Yes, visit the Roundpoint Mortgage Servicing LLC company profile at readthecomplaint.com/company/roundpoint-mortgage-servicing-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.