Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8333189
Complaint Overview
Complaint ID: 8333189
Company: Nbt Bancorp INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information is missing that should be on the report
State: Florida
ZIP Code: 331XX
Date Received: 2024-02-12T12:00:00-05:00
Date Sent to Company: 2024-02-12T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2024, a payment of {$340.00} was made by phone, as is done every single month, using the same bank account, as is done every single month, same exact payment method. NBT can check my payment history. We were provided with a confirmation number for this transaction. However, I received a notification, on Friday XX/XX/XXXX, by a completely different institution that my credit history was affected by XXXX points due to being reported by NBT Bank. Huge surprise! Despite having my email on record and using it every week to inform me about their NBT bank and company, I did not receive any communication from nbt regarding this issue. I did not receive a call either. Why was I not notified about this problem via email or phone call? Why was I reported instead of being informed about the issue? Furthermore, why was there an error this time, especially when the payment was made by phone as usual? When we contacted the NBT bank on XX/XX/XXXX, they asked us to provide the last 4 digits of the bank account to make the payment that nbt had in their records, NBT has this payment information in their records as per their own agent. Now I know that they do not suppose to keep that kind of information. I believe I have the right to request a copy of the call recording from XX/XX/XXXX to understand why, despite making the payment and also receiving a confirmation number from NBT directly, my credit was reported negatively. And why if there was a problem I was not contacted by NBT bank. Why? This incident has caused serious damage to my credit history, and I am seeking a resolution to this matter. NBT failed to provide several services here, proper payment method, proper verification of payment, proper confirmation number of payment to customer, proper methods of communication to customer, and if they asked as they did for just the last for digits of the payment method they are keeping info that they are not supposed to be keeping, however, Im the one whos paying for NBTs several mistakes as my credit score was seriously damaged. If payment by phone cant be completed by nbt bank correctly they should communicate this to customers as after a payment by phone and a confirmation number customers trust and believe everything is well, no reason to believe otherwise. As a bank operating in the USA they should provide better services to clients specially better payment methods, a bank that cant guarantee a secure and accurate method of payment to clients cant be a serious financial institution. I need a solution as soon possible. Im not taking their word for it as nbts word does not have much value, they gave us a confirmation number that did not have any value, then I want now to hear the XX/XX/XXXX call. Attached you will find a copy of the call log, and also a copy of the confirmation number they provided on XX/XX/XXXX. I already called this and explained all this NBT, no solution. I want an explanation and my credit score points back. Thank you very much XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #8333189 about?
Complaint #8333189 was filed against Nbt Bancorp INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-02-12T12:00:00-05:00.
How did Nbt Bancorp INC. respond to this complaint?
The company responded with: "Closed with monetary relief". 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 Nbt Bancorp INC.?
Yes, visit the Nbt Bancorp INC. company profile at readthecomplaint.com/company/nbt-bancorp-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.