Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #7652773
Complaint Overview
Complaint ID: 7652773
Company: Hilltop Holdings, INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New York
ZIP Code: 10473
Date Received: 2023-10-05T12:00:00-05:00
Date Sent to Company: 2023-10-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I fell behind on my mortgage payments in XXXX due to many issues impacting my marriage and my finances. I put the house up for sale, then sold the house in XX/XX/2019. My broker and title company satisfied the outstanding amount on my loan to XXXX and Prime. Since XXXX I have been trying to rent and now I am trying to purchase a new house and the credit reporting agencies have my mortgage listed as charged off. In addition to that the mortgage company did not return my escrow payment to me, they sent it to the state of pennsylvania. I have been suffering trying to live a decent quality of life due to this. I have forwarded the closing documentation from my broker and title company to the old mortgage company XXXX, Prime lending and they refuse to correct and update my records nor my credit reporting information. I have sent faxes to them at XXXX requesting updated information and I attached recording documentation proving I paid the mortgage off. My current potential mortgage adviser is impacted because they want to show that the mortgage was paid off and I can't do that because of the erroneous reporting from the old mortgage company. In addition to that my potential future interest rate has more than doubled due to this error. I am no longer seen as a responsible borrower to creditors.
Frequently Asked Questions
What is Complaint #7652773 about?
Complaint #7652773 was filed against Hilltop Holdings, INC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-10-05T12:00:00-05:00.
How did Hilltop 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 or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Hilltop Holdings, INC?
Yes, visit the Hilltop Holdings, INC company profile at readthecomplaint.com/company/hilltop-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.