Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5986901
Complaint Overview
Complaint ID: 5986901
Company: Ama Advisors, LLC.
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: Investigation took more than 30 days
State: New York
ZIP Code: 10956
Date Received: 2022-09-15T12:00:00-05:00
Date Sent to Company: 2022-09-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have always used automatic payment to pay my monthly mortgage with Homebridge Financial. On XX/XX/2021, Homebridge returned the mortgage payment to the bank. I did not find out until a month later when i was notified by the credit bureaus that i had a 30 day late notice on my credit report. The funds were in my bank account and this was an error on behalf of Homebridge. I have a letter from my bank ( XXXX XXXXXXXX XXXX ) which states that the funds were in my account at the time Homebridge tried to take the payment and it should have never been returned. I tried reaching out to Homebridge many times for almost a year now and no response from them at all. My loan officer has also tried to rectify this with corporate to no avail. I disputed with all three credit bureaus and they notified me that they submitted the dispute to the " furnisher '' which is Hombridge but they have not received a response as well. I am asking that Homebridge please have this information removed immediately from my credit report as this was their error. I tried to apply for a home equity line of credit but was denied because of this negative account on my credit. Please help me get this cleared with Homebridge Financial.
Frequently Asked Questions
What is Complaint #5986901 about?
Complaint #5986901 was filed against Ama Advisors, LLC. 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 2022-09-15T12:00:00-05:00.
How did Ama Advisors, 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 (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Ama Advisors, LLC.?
Yes, visit the Ama Advisors, LLC. company profile at readthecomplaint.com/company/ama-advisors-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.