Debt collection -- Took or threatened to take negative or legal action -- Complaint #4536797
Complaint Overview
Complaint ID: 4536797
Company: Flatonia Investments, LLC
Product: Debt collection
Sub-Product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: District of Columbia
ZIP Code: 20016
Date Received: 2021-07-12T12:00:00-05:00
Date Sent to Company: 2021-07-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received e-mail notices from various credit bureaus that my mortgage was late/delinquent. I attempted to log into XXXX and the system would not allow me to log in. I followed the options to : 1 ) Forgot username, and input my loan number and last 4 digits of SSN, 2 ) Picked forgot password to try to reset my password, and 3 ) attempted to create a new account. All three options failed - XXXX system would not notify or e-mail me any details about my loan. During a call today, XX/XX/12, at around XXXX eastern, I spoke to XXXX XXXX XXXX basically accused me for not having my " profile '' set up correctly with XXXX. XXXX said that I must have XXXX not send me emails about anything. I explained to XXXX that I felt she was accusatory - the issue is I could not access my loan details online. Even after obtaining access to my account, I followed the system 's " Forgot User ID '' prompts and XXXX still does not e-mail you. I tried to explain to XXXX that I believe this is an IT issue on their end that needs to be fixed. XXXX promptly hung up on me when I asked to be escalated to her supervisor. Due to my travel status and different time zone, I was unable to call XXXX during their normal business hours. XXXX has reported my loan as delinquent. I was on travel for 4 weeks. While I made an error with my bank account as it skipped the XXXX payment and I accept that issue. However, for XXXX to block the account without any communication, and claiming that my account was not blocked initially XXXX XXXX later relented and said she unblocked my account ). So I was forced not to pay my bill via XXXX while I was on travel - I had to do it with my bank.
Frequently Asked Questions
What is Complaint #4536797 about?
Complaint #4536797 was filed against Flatonia Investments, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-07-12T12:00:00-05:00.
How did Flatonia Investments, 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 (Debt collection) and describe your issue in detail.
Can I see other complaints against Flatonia Investments, LLC?
Yes, visit the Flatonia Investments, LLC company profile at readthecomplaint.com/company/flatonia-investments-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.