Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5828465
Complaint Overview
Complaint ID: 5828465
Company: Bsi Financial Holdings, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Michigan
ZIP Code: 496XX
Date Received: 2022-07-31T12:00:00-05:00
Date Sent to Company: 2022-07-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
When XXXX Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( XXXX Mortgage at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip XXXX months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to BSI XXXX XXXX XXXX found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. BSI then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with XXXX investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them XXXX months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before BSI ruined it. XXXX Still wont communicate with the new lender and inform them of the previous agreement recently was told BSI is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN XXXX MONTHS. ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!
Frequently Asked Questions
What is Complaint #5828465 about?
Complaint #5828465 was filed against Bsi Financial Holdings, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-07-31T12:00:00-05:00.
How did Bsi Financial Holdings, INC. 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 Bsi Financial Holdings, INC.?
Yes, visit the Bsi Financial Holdings, INC. company profile at readthecomplaint.com/company/bsi-financial-holdings-inc 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.