Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5529352

Complaint Overview

Complaint ID: 5529352

Company: Cardinal Financial Company, Limited Partnership

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone

State: Texas

ZIP Code: 78227

Date Received: 2022-05-02T12:00:00-05:00

Date Sent to Company: 2022-05-02T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I think around XXXX of XXXX, I noticed my mortgage company, Cardinal Financial, was reporting me as a delinquent account on my credit report of my mortgage amount of {$88000.00}. When I called, they said I owed {$15.00} for escrow or something like that. I paid an extra {$9.00} or {$13.00} to get it taken care of on the phone that day because I wanted it to stop showing up on my credit report. However, it has not disappeared. Here 's the catch- I am in forebearance with Cardinal due to Covid hardship and we are in the process of getting a partial claim applied. In the meantime they continue to report on my credit. Currently the amount is for {$12000.00} which I am guessing is the amount I need applied to my partial claim {$8800.00} plus any payments I have made that they are not processing. That is another phone call to them. I have told them more than twice and had my agent with Cardinal, XXXX, tell them to STOP reporting me on a credit report but they have not complied. 1.They should NOT be reporting me because I am in the process of a XXXX hardship forebearance. 2. The amounts keep changing on my credit report- on XX/XX/XXXX $ XXXX ; on XX/XX/XXXX {$8800.00} ; on XX/XX/XXXX - {$88000.00} ; on XX/XX/XXXX - {$9700.00} ; on XX/XX/XXXX {$10000.00}- which is the difference of my CURRENT mortgage payment that I paid on time! They obviously are not applying my payments to my account, which is another phone call. 3. I am paying my mortgage on time- they should NOT be reporting this on my credit report. How do I get them to STOP reporting my hardship forbearance on my credit report? Perhaps you could help? I am nervous and fed up with them and think they are playing games so they can take my house. But that's another phone call.

Frequently Asked Questions

What is Complaint #5529352 about?

Complaint #5529352 was filed against Cardinal Financial Company, Limited Partnership regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-05-02T12:00:00-05:00.

How did Cardinal Financial Company, Limited Partnership 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, credit repair services, or other personal consumer reports) and describe your issue in detail.

Can I see other complaints against Cardinal Financial Company, Limited Partnership?

Yes, visit the Cardinal Financial Company, Limited Partnership company profile at readthecomplaint.com/company/cardinal-financial-company-limited-partnership 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.

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