Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9981222
Complaint Overview
Complaint ID: 9981222
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: Problem with personal statement of dispute
State: Texas
ZIP Code: 77099
Date Received: 2024-08-31T12:00:00-05:00
Date Sent to Company: 2024-08-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The benefit program HAF covered a specific period of loan ; lender was paid fully irregularly. Lender was aware that HAF program would pay for upcoming months ; lender did not inform me of irregular payments by HAF and now lender reports my credit report that I paid late or missed payments. Lender does not explain how I am liable for those months and for timeliness when lender did not inform me of untimely and lender approved and accepted full payments from HAF. Lender should not characterize me of making it irregular when this irregularity was because of HAF payments. Lender does not explain and ignore to review and explain this.
Frequently Asked Questions
What is Complaint #9981222 about?
Complaint #9981222 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 2024-08-31T12:00:00-05:00.
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.