Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9148707
Complaint Overview
Complaint ID: 9148707
Company: Gateway First Bank
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 344XX
Date Received: 2024-05-31T12:00:00-05:00
Date Sent to Company: 2024-05-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Our mortgage lender ( XXXX XXXX Mortgage, Oklahoma ) XXXX putting our payments into another unknown account at some point. We didnt know until we started the process to sell the house and were told we were in default and going into foreclosure after not paying for several months. We asked them how it is possible. No one knew anything. Finally we were told they could see our payments were made, but they went into another account and did not count toward our mortgage. We called many, many times, and no one could tell us the account the monies went to, why that happened, and they would not track it and apply it to our loan. They stole many payments and refused to give it back and we ended up paying considerably more for our house to sell than we bought it for XXXX years prior because we had to pay them the money that they had already confessed to taking but couldnt find. Our credit has suffered, they refuse to remove it from our reports, and no lender will give us a mortgage. My family has suffered immensely for over a year and a half and my family struggles have made it so we have gotten to point of separating the family. We cant be the only ones they did this to, but after all the fighting and praying, we know that our government has no rules in place with regard to mortgage companies stealing and harming consumers. We have gone through the process of disputes, but the bureaus just say the same thing, that XXXX says they are right. Thats all. No investigation, no questions. Why dispute anything at all?
Frequently Asked Questions
What is Complaint #9148707 about?
Complaint #9148707 was filed against Gateway First Bank regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-05-31T12:00:00-05:00.
How did Gateway First Bank 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 Gateway First Bank?
Yes, visit the Gateway First Bank company profile at readthecomplaint.com/company/gateway-first-bank 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.