Mortgage -- Incorrect information on your report -- Complaint #4877561
Complaint Overview
Complaint ID: 4877561
Company: Common Wealth Mortgage Services
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Utah
ZIP Code: 84078
Date Received: 2021-11-04T12:00:00-05:00
Date Sent to Company: 2021-11-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My husband and I have been trying to get a 30-day late payment removed from our credit report because it is inaccurate. When we have called, we have been told multiple times from XXXX XXXX ( our current mortgage lender ) that their systems do not show ANY 30 day late payments on our account and confirmed that the payment in question was received well before the end of the month, yet they will not cooperate in getting it removed. I have been emailing with XXXX XXXX with XXXX, the person we were told to speak with regarding the misreporting, yet zero help has been given. Multiple times XXXX has told us she would get her XXXX to send us something, we have never heard back and are left reaching out time and time again with no results. As our current lender, they are doing this knowing that we are not able to get into a better, lower payment loan with this reporting on our credit. They are effectively trapping us in this loan. XXXX refuses to give us anything but her verbal confirmation that they do not show ANY 30 day late payments, and tells us to dispute. The issue is that they know that we are not able to do this refinance if there is dispute language on our credit around our current mortgage. We are completely trapped and are getting zero help. Please see the most recent email thread with XXXX attached below.
Frequently Asked Questions
What is Complaint #4877561 about?
Complaint #4877561 was filed against Common Wealth Mortgage Services regarding Mortgage specifically about Incorrect information on your report. It was received by the CFPB on 2021-11-04T12:00:00-05:00.
How did Common Wealth Mortgage Services 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 (Mortgage) and describe your issue in detail.
Can I see other complaints against Common Wealth Mortgage Services?
Yes, visit the Common Wealth Mortgage Services company profile at readthecomplaint.com/company/common-wealth-mortgage-services 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.