Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11804122
Complaint Overview
Complaint ID: 11804122
Company: Castle Credit Co Holdings, LLC, Chicago, Il Branch
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: 76001
Date Received: 2025-01-26T12:00:00-05:00
Date Sent to Company: 2025-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened my original account with credit castle holdings when I purchased a water softener for my home XXXX XXXX for XXXX. They said I would have 90 days before I had to make my first payment of XXXX. I would make these payments until the softner was paid off but I was able to make larger payments to pay it off quicker. My first payment was made XX/XX/XXXX for XXXX XXXX Then every month there after on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX Payment Timeline and Analysis First Payment : XX/XX/XXXX : {$1000.00} Covers 13 months of payments ( {$1000.00} {$71.00} XXXX payments ), putting me ahead until XX/XX/XXXX. Monthly Payments : XX/XX/XXXX - XX/XX/XXXX : {$71.00} paid each month on or close to the due date. I remained current through XX/XX/XXXX. XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : Late by 26 days. XXXX and XX/XX/XXXX : XX/XX/XXXX : {$140.00} Covers two months ( XXXX and XX/XX/XXXX ). XX/XX/XXXX : {$140.00} Covers XXXX and XX/XX/XXXX. XXXX : XXXX - XX/XX/XXXX : No payments were made during this period. XX/XX/XXXX Catch-Up : My card changed and it was no longer on automatic draft. Once i logged into my account I saw a payment that needed to be made for XXXX so i paid it immediately and set my account back up on automatic draft. XX/XX/XXXX : {$640.00} Covers 9 months ( XXXX - XX/XX/XXXX ). XX/XX/XXXX- XX/XX/XXXX : My issue is, I have never had a negative remark on my credit and I expected them to at least notify me first to reconcile before just charging my account off then continuing to take payments from me. I went and read the reviews for this company and it is nothing but negative reviews of similar issues with customers. I will also be filing a complaint with the XXXX because peoples lives are attached to this and they shouldnt be able to do things like this multiple times to multiple people. When i log into my account it still says current and is still asking me for my monthly payments. Then when i go to my transaction section it only shows that i have made only about XXXX payments when i have bank statements to prove i have made way more.
Frequently Asked Questions
What is Complaint #11804122 about?
Complaint #11804122 was filed against Castle Credit Co Holdings, LLC, Chicago, Il Branch regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-26T12:00:00-05:00.
How did Castle Credit Co Holdings, LLC, Chicago, Il Branch 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 Castle Credit Co Holdings, LLC, Chicago, Il Branch?
Yes, visit the Castle Credit Co Holdings, LLC, Chicago, Il Branch company profile at readthecomplaint.com/company/castle-credit-co-holdings-llc-chicago-il-branch 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.