|
5901904
|
2022-08-21
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-09-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5779741
|
2022-07-17
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2022-07-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-29
|
| Complaint What Happened |
I'm looking for assistance. I've had this account for over a year with no problems, but in the last few months, this company 's activities have caused me some concern. My first concern is that I frequently lose access to my account via the app. I am unable to log in and access my information. I let it go for a month or so before trying again. I was able to log in, but it took me to a page where I had to re-verify my identity. This brings me to my second point of concern. On XX/XX/22, I received an email asking me to reverify my identification and decided to do so later through the app.
On XX/XX/XXXX, I opened my grain app on my phone and followed the re-verification instructions, which required me to submit bank and ID information. I received notification that the information had been successfully submitted and that the process would take 5 business days. I haven't been able to access my account since XX/XX/XXXX. I contacted grain but have not received a response. I can't even check my status. There have been numerous complaints on the company 's XXXX page that other people are unable to access their accounts and have not received any responses from the company.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5664472
|
2022-06-13
|
Problem adding money
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Problem adding money
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Mobile or digital wallet
|
| Date Received |
2022-06-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-28
|
| Complaint What Happened |
I have a credit account with Grain Credit. www.trygrain.com On XX/XX/2022 I tried to contact them to change my bank account on file to make a payment towards my credit with them. I was perfectly on time with the payment. I tried to call and email them with my request and marked it as urgent since I didnt want to be late on payments and get a negative impact on my credit report.
They responded to me only on XX/XX/2022 with a regular automated answer and didnt help me with my payment.
Today is XX/XX/XXXX and they have reported my 2 missed payments to all three credit bureaus. Im in trouble. I have emails and proofs that I tried to contact them and wanted to fix that issue before it happened.
Now my credit history is not great anymore because of them. I need help. Theres no way to contact them. At all!
Please help! I need the negative info to be removed from my credit reports and I want to pay off that balance with them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5487308
|
2022-04-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-04-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-11
|
| Complaint What Happened |
So I wasnt even made aware by Grain Tech that my account was delinquent or past due. By the time that I was notified it was already reported to the credit bureaus. Since then grain has been misinforming inaccurate information as resulted decrease in credit score. They already had since withdrew funds from my external account that was used I order to received or removed from account. Since then a payment arrangement to pay off balance ( after waiting to hear back from Grain either via phone or via email ) as well as made just recently as well as a payment arrangement that has since been signed and accepted both myself and Grain Tech. Then report was made by Grain stating my is still delinquent by 60-70 days after was payment arranged.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4559415
|
2021-07-20
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-07-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-08-06
|
| Complaint What Happened |
I have already attempted to fix this issue with Grain via the XXXX. & now I'm about ready to get my attorney involved. However, before I do, this will be my last attempt at trying to amicably resolve their incorrect reporting to my consumer file as I've given them more chances than I should have now. I will also be resubmitting my complaint via the XXXX and attorney general. Companies can not believe they can get away with these atrocities. Grain has already agreed via a XXXX thread and via email directly that all late payments reported under their account on my credit file would be corrected to reflect on-time for every month they originally claimed I was late. This is because I was not only unable to access their online system in order to make my payments on-time, but I couldn't contact anyone at the company for MONTHS! Imagine calling a company every day for 2 weeks straight ( 14 days in a row with cell records and screenshots to prove it ) only to be on the Line for 25 minutes at a time before you get a voicemail? Imagine texting a business ( lol ) that has an actual text service that claimed someone would get back to me but never does. Obviously, I have retained all texts from this encounter. Then imagine not being able to actually pay the entity you borrowed from only for them to report you as late. What a joke. Grain has reassured me several times now ( I have reached out several times to ensure they keep their word on our agreement to remove the lates from my file ) that they would update my credit file. More than 1 month later, it remains unchanged. I will still consider continuing to pursue legal action even after this is resolved because companies like this can't think they can get away with this. I warned Grain that I would be reporting them to several different entities if my credit file wasn't updated in accordance with what was agreed upon. This was a few weeks ago. Although they have been a lot more responsive via email, it's a shame that it took me reporting them to illicit appropriate responses.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5664146
|
2022-06-13
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-06-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-13
|
| Complaint What Happened |
In XXXX they disconnected the services. I did not know until I received a late payment for the first time with this XXXX XX/XX/XXXX. I sent numerous emails to fix this problem there has been no feedback just automated responses to me. They finally let me back into the account in XXXX. IM unable to use the functions in the App. The account has never been late until this problem occurred.
Now there is another late payment on my account. I've sent emails and there has been no response to pay the balance nor discuss removing the late payments.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7147757
|
2023-06-22
|
Problem with a credit reporting company's investigation into an existing problem
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Personal line of credit
|
| Date Received |
2023-06-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-22
|
| Complaint What Happened |
I am writing to file a formal complaint against Grain regarding inaccurate information that has been reported to the credit bureaus, causing significant damage to my credit history. Despite my repeated attempts to rectify the situation, Grain has failed to address the errors and has not taken appropriate action to correct my credit report.
The issues I have encountered with Grain began when their mobile application prevented me from logging in, leading to the reporting of late payments. Despite my persistent efforts to contact Grain and resolve the matter, I was unable to reach anyone for assistance. It took over four months before I was provided with a link to make a payment, only to discover that my XXXX debit card was not accepted. Consequently, I had to rely on my daughter to make the payment for the amount Grain claimed I owed.
To my dismay, Grain unexpectedly refunded the payment made by my daughter, stating it was an error on their part. I have sent multiple letters to dispute the late marks on my credit, but each time Grain has verified them without making any corrections to their errors. I have included the email correspondence between myself and Grain as evidence, which clearly demonstrates the prolonged response times and Grain 's failure to address the inaccuracies in their reporting.
I firmly believe that Grain 's inaccurate reporting and their subsequent failure to rectify the situation have significantly impacted my credit history. As a responsible consumer, I have always been committed to maintaining a positive credit record, and Grain 's actions have unjustly tarnished my financial standing.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6278856
|
2022-12-04
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
No
|
| Company |
Grain Technology, Inc.
|
| Product |
Checking or savings account
|
| Sub Issue |
Transaction was not authorized
|
| Sub Product |
Checking account
|
| Date Received |
2022-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-23
|
| Complaint What Happened |
On XX/XX/XXXX Grain Technology changed the setting to my account to auto payment. I noticed because I signed into my Grain account to make a payment and ad soon I went to make a payment I got an email that sis thank you for submitting your payment of {$110.00}. I never even made the payment because I got the email before I could move forward and was confused. Upon checking I saw my account my on auto payment. I then took it off and notified Grain that I never made that change to my account. About a week or so went by and no response from them. I eventually went to check my XXXX account again and saw that my account was back on auto pay. I then again took it off. Auto pay is something Ive never set up so Im more than certain that Grain technology is doing that.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7496191
|
2023-09-04
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-05
|
| Complaint What Happened |
# 1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7056930
|
2023-06-02
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-02
|
| Complaint What Happened |
XX/XX/2022 In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
|
| Consumer Consent Provided |
Consent provided
|
|
|
7638385
|
2023-09-28
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2023-09-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6173080
|
2022-11-08
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2022-11-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-05
|
| Complaint What Happened |
I have not been able to login to my account since XX/XX/XXXX. I have complained about this repeatedly to no avail. In the interim, I have not been able to make a payment and now I am faced with a late payment fee and a negative mark on my credit report that is not my fault.
I have contacted the company requesting that this fix on this matter at least ten ( 10 ) times, including XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, etc., and I have received either auto responses or promises that the situation would be successfully addressed but nothing has been done.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7374908
|
2023-08-10
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Investigation took more than 30 days
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7621852
|
2023-10-02
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-10-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-02
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
FCRA 15 U.S.C. 1681i : ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED.
I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6636656
|
2023-03-01
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-23
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Complaint What Happened |
Grain technology has incorrect information on my XXXX report and failed to provide any update since XXXX XXXX. Im asking this account to be removed
|
| Consumer Consent Provided |
Consent provided
|
|
|
4306007
|
2021-04-17
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-04-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-20
|
| Complaint What Happened |
In XXXX, I was going through my XXXX credit report and noticed that Grain Technology had not reported my account statement since XXXX. On XX/XX/XXXX, I sent them a message asking about whats going on with the lack of reporting with screenshots from XXXX that show the most recent report being in XXXX. They didnt respond until XX/XX/XXXX, I also tried calling them in that time but no representative answered, with some generic answer about escalating it to the credit reporting team. I tried to follow up with them, and on XX/XX/XXXX, I received a message that XXXX did not update our XXXX and XXXX credit reporting and that they have resubmitted the reports. Since then, my XXXX statement date of XX/XX/XXXX has passed and the only change is reporting has been updated to XXXX ... still three months behind. Grains reporting is also one month behind for XXXX and XXXX. Ive opened disputes for those, since contacting the company directly has been ineffective ; its a terrible product with even worse support and services.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6279327
|
2022-12-04
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6146614
|
2022-11-01
|
Can't contact lender or servicer
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Can't contact lender or servicer
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Payday loan
|
| Date Received |
2022-11-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6365315
|
2022-12-28
|
Credit limit changed
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Credit limit changed
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2022-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-28
|
| Complaint What Happened |
They recently updated their terms to change the credit limit of their users and make their current balance the limit. As I had no balance with a {$1000.00} credit limit, my limit is now {$0.00} and useless.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6360221
|
2022-12-26
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-26
|
| Complaint What Happened |
Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company GRAIN TECHNOLOGY , Inc To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXXXXXX XXXX, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to fraud department email. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5978597
|
2022-09-13
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2022-09-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-10-04
|
| Complaint What Happened |
I have autopay setup with Grain Technology , Inc. ; so that payments are drafted automatically from my checking account each month. Grain sends an email ( attached ) stating that Auto-Pay is set up & they will take care of the rest. However on XX/XX/2022 I received an alert from XXXX, XXXX XXXX XXXX that my account with Grain was 30Days past due. Also the same day I received an email from Grain stating " We have lost connectivity into your bank account. '' And finally when I tried to log in to make a manual payment I received a message that said : " Verification Pending '' & I was not able to proceed to make a manual payment.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7495137
|
2023-09-03
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-09-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-19
|
| Company Public Response |
Company disputes the facts presented in the complaint
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4754918
|
2021-09-26
|
Incorrect information on your report
|
Credit card or prepaid card
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2021-09-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-10-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7498175
|
2023-09-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Credit card debt
|
| Date Received |
2023-09-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-04
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7731491
|
2023-10-20
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
No
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-31
|
| Complaint What Happened |
in accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a customer reporting agency can not furnish an without my written instructions under 15 USCS 1666b a creditor may not treat a payment o a credit card account under an open end consumer credit plan as late for any purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5614793
|
2022-05-31
|
Problem adding money
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Problem adding money
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Mobile or digital wallet
|
| Date Received |
2022-05-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-06-13
|
| Complaint What Happened |
I have been unable to access my grain technology account for about 6 weeks or so.
grain technology is a digital credit card that works with your current bank account.
the issue started on XX/XX/XXXX after calling and not being able to get in touch with anyone.
I sent my first e-mail on XX/XX/XXXX to grain support I've attempted to call several times to speak to someone about me being locked out of my grain account. I've left messages detailing the urgency of someone getting back to me.
I've emailed periodically detailing that I am in the process of buying a house and wanted to pay my bill in full fearing that my credit utilization would get too high and hurt my credit score. all I keep getting is an automated email saying someone will contact me in 2 days and grain never does.
still not have been able to speak to someone from grain.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5618762
|
2022-05-28
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-05-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-05-28
|
| Complaint What Happened |
I've emailed the company numerous times about a glitch in the system that wasn't able to verify my identity. I've had this account for over a year there shouldn't even be anything wrong with this account considering verifying identity, as a result they are intentionally causing a derogatory mark on my credit by not responding to any messages for me to even pay off this account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5014985
|
2021-12-16
|
Fraud or scam
|
Money transfer, virtual currency, or money service
|
|
| Issue |
Fraud or scam
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Mobile or digital wallet
|
| Date Received |
2021-12-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-14
|
| Complaint What Happened |
I've been working with Grain Technologies they offered me a {$750.00} credit line, at first it was fine. Then when COVID hit I tried to get support which is non-existent. They disabled my online portal, and will not allow me to make payments, or allow me to verify my identity to pay the account. After speaking with a rep they said my online account was disabled because of the past due balance and once it's paid I can continue using the account. After I paid someone contacted me and said they decided to close my account once I pay it in full. I think I was deceived into making a payment, and once it was processed they decided to close my account once it's paid in full with no notice or explanation and they won't allow me to verify my identity.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5926623
|
2022-08-30
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6273523
|
2022-12-03
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-21
|
| Complaint What Happened |
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account undersea open end consumer credit plan as late fr purpose.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6741864
|
2023-03-23
|
Improper use of your report
|
Credit card or prepaid card
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Grain Technology, Inc.
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-03-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-23
|
| Complaint What Happened |
I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Grain Technology, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law.
As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ).
Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law.
|
| Consumer Consent Provided |
Consent provided
|
|
