| 05/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have had a mortgage loan with Tammac Holdings Corporation sinceXX/XX/XXXX, within the 1st year I was with them I was never late with my payments, this was my first ever mortgage so if anything I was early. I was marked as late on many payments, I contacted the company and they corrected the issue. In XX/XX/XXXX the company allowed me to remortgage for a lower percentage rate, going from 11.65 % to 11.25 % and lowering my payment. I have a document from that time that states when payments are due but no where on this document did it show anything about late payments, fees, reporting to credit agencies. I made all of my payments on time and once again Tammac reported me as late in XX/XX/XXXX, I filed dispute through XXXX at that time and it was corrected. At some point I was being considered late again and I had asked if they had automatic withdrawals, they do not, they also do not have an option to pay online and until recently ( last few years ) there was no option to pay over the phone without an astronomical fee, this fee has since come down to {$4.00} ( which is ridiculous since they do not have auto withdrawal or online payment options ). I also at one time was told that my payments were not arriving on time and that the issue was on their end because their mailing address is to Maryland and they were not receiving the payments on time from their own company. I was then advised to mail payments to the XXXX XXXX, Pa address which I have been doing for many years. The due date of my loan is the XXXX of each month but when I changed jobs it was not feasible for me to be able to make the payments for the XXXX because I was paid only twice a month on the XXXX and XXXX, I was advised at that time by Tammac that I was under no deadline on payments other than they had to be within 30 days of the due date. I then started mailing my payments around the XXXX or XXXX of the month have been mailing my payments that same way since at least XX/XX/XXXX, this has never been an issue. If you look at my credit report I have been marked as on time this entire last 6 years. For some unknown reason I am being marked as " not current '' for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is incorrect information so I disputed this through XXXX once again, those months were then changed to 30 days past due, this was unacceptable to me since I know that my payments have remained the same and the months prior and after those days are all ok. I went to my bank and received the checks for those months and it is clear that the payments were all made around the same time frame around the XXXX - XXXX of each month but it shows that they are not being posted until at least 7 days after the checks are received. The payments are being made the same way I have for the last 6 years and there is no reason for those months to be considered " not current '' or " 30 days late ''. I then disputed again through XXXX, and I mailed them the check copies from my bank showing that they were mailed on those dates but Tammac, who is 45 minutes from my home address is not crediting my payments for those months until at least 7-10 days after they receive them. It was my understanding that the law was that they be credited as soon as they were received because businesses do not do banking every day of the week and it is unfair that you have a payment but are not crediting me. If I mail a check on the XXXX it is for sure getting to Tammac by the XXXX but they take another 5 days to credit my account. I checked my credit report today and noticed that not only did they change the " 30 days past due '' back to " not current '' but they changed the months from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now marking XX/XX/XXXX and XX/XX/XXXX ( which XX/XX/XXXX was not even part of this previously ) to no data and the checks for XX/XX/XXXX and XX/XX/XXXX, I did a deferment for the months of XX/XX/XXXXand XX/XX/XXXX was advised that this would not affect my credit because it was just being added to the end of the loan and I have a document that I signed and there is nothing on that document that states otherwise. The check for XX/XX/XXXX is dated XX/XX/XXXX and it posted on XX/XX/XXXX so why is this being marked as " no data ''? When I spoke to XXXX they told me that the documents I submitted were unacceptable and I wanted to know why and they said that they did not consider them unacceptable Tammac did and they made the new changes to my credit report. I do not want to contact Tammac at this point because I fear that they will not only dispute my request again but perhaps make additional changes not in my favor since they have already made it worse. I have proof of all of these changes and they are for no reason other than they are mad that I am proving them wrong. It seems to me that they are purposefully withholding applying payments to customers accounts as to wrongfully affect a credit score. I think this is unfair, unethical and illegal. I have the proof in documents so I am not sure why these few months are different than the last 6 years, especially when they are the ones that make it more difficult to make payments with them. This is the 3rd time I have had an issue with this company marking my credit report with incorrect information and this time they will not correct it, this is affecting my life on other ways and it is unfair. I demand a correction to my credit report in my favor for all that is currently marked as incorrect and I think that going forward they need to be careful of ruining customers credit when they are the ones withholding payment updates on accounts.
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| 05/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX I closed on my manufactured home with Tammac Holdings. As of today, XX/XX/XXXX the title for my home has still not been transferred to my name.
During closing there was no communication in regards to what I was supposed to do with my down money. Me, my realtor, and the sellers realtor had reached out via email and calls before I finally got an answer about a question we had during our close in regards to paperwork. I then found out 2 days after signing title and loan paperwork I found out my down money should have gone to the seller, I was told that from my REALTOR, who found out from the sellers realtor when they realized they had not received the full pay from Tammac Holdings.
On XX/XX/XXXX I received a call from the leasing office at our mobile home park stating that the auditors office here in Ohio had reached out because the title to my home had not been transferred. I called the auditors office and then immediately reached out to not only my loan officer via email but I called Tammac and left 2 voicemails then emailed the customer service department with no response. I finally received an emailed response on XX/XX/XXXX stating my issue had been escalated. After a few other email communications ( that I do still have for evidence ) my issue is still not resolved! I even filled out new title paperwork and not only emailed it on XX/XX/XXXX I also mailed out the originals on XX/XX/XXXX as well.
I emailed again on XX/XX/XXXX with no response and then again on XX/XX/XXXX. After another no response I emailed on XX/XX/XXXX and finally received a response on XX/XX/XXXX telling my application would go out on Monday. After a month here we are and my title is still not in my name!
So for 9 months I have been paying a mortgage on a home that is NOT in my name, I am not even sure if my property taxes that are/were built into my loan have been paid. I am furious with the lack of communication and responses I have been dealing with.
The last communication I received from the auditors office had the sellers name on it for a bill and not my name as the new owner.
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| 05/18/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
Older American |
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Representation of Tammac Holdings Company made contact with the mortgage holder, XXXX XXXX XXXX, XXXX. A statement made for representation of XXXX XXXX.
Did contain information representation would send information to this XXXX XXXX XXXX XXXX, Ohio XXXX To award the mortgage holder a right to inspect documentation.Give an opportunity to this lender.To show a legal right to maintain information was correct for advancement of land, purchased for an increase in an estate.Would entitle the mortgage holder an opportunity to review this claim.And address the situation for my daughter to consider these options.Has indicated, currently, these papers were not forwarded to allow an inspection.Reveal it necessary to forward funds to this Corportation.Give the company an opportunity to increase a wealth with these finances.A reasonable amount of time has provided the Corportation.Time to forward these papers and assure the mail delivery of these items.Would provide a reason to finance an estate.To increase the wealth of my daughter for her benefit as an American.Please address this Corportation.And refer to a legal schedule for confirmation about the process of lending money for property.
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| 01/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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We entered in to a mobile home contract with Tammac Holdings in XXXX. Declared bankruptcy XXXX. No payments were made from XXXX forward. Bankrupty case was dismissed in late XXXX. Tammac has re aged the account and continues to report incorrect information including the Date of First Deliquency which allows this negative to remain on our credit reports until XXXX.
We have disputed as Obsolete with the CRAs and sent proof to all XXXX, XXXX and XXXX. XXXX deleted this account from its Tradeline, however XXXX and XXXX allowed Tammac to respond with " Verified '' and did n't even consider the proof sent. My wife is currently disputing with XXXX again as Incorrect Information with the exact same information. We have previous credit reports, some dating from XXXX, that show different dates, amounts and statuses.
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| 05/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
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Tammac Holdings Corp was paying XXXX a month for XXXX year loan XXXX payments starting XXXX for a XXXX dollar mobile home. struggled in XXXX so they were able to lower to XXXX a month with modification loan. I email them in XXXX to find out when loan will be paid off and Tammac said you have XXXX left but with XXXX payments left at XXXX a month. So now loan has another XXXX years just for knocking down payment XXXX a month at XXXX from XXXX . Its a loan modification And was to be paid off in year XXXX . So they are saying XXXX payments left and that adds up to year XXXX roughly. So i am paying XXXX in interest which is completely insane or even XXXX in interest. All of this just to modify home for a lower payment.
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| 04/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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A real estate agent recommends filing a complaint.Assured representation of Tammac Corportation.Used discrimintory remarks to indicate high rates.Would provide their employees benefits for government services.Indicates a complaint.Shown a recommendation to charge a violation.Benefit a home owner.Establish an objective to increase an estate value would prove beneficial.To concerned parties.
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| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American, Servicemember |
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I had a late payment to Tammac holding corporation what happen is the payment was late and they put it on my credit report as a Delinquent. How can they say it was Delinquent When they were paid. I dont understand this because they receive there payment.
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York My email is XXXX Thank you
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| 11/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Phone |
Older American, Servicemember |
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| 09/28/2020 |
Yes |
- Mortgage
- Other type of mortgage
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|
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Phone |
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| 05/06/2019 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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| 02/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Referral |
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|
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| 11/14/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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|
Fax |
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|
|
| 05/16/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Referral |
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| 12/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Fax |
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|
| 05/14/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
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|
|
| 01/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
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| 07/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
|
|
Web |
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|
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| 12/19/2014 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
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| 08/07/2014 |
Yes |
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- Loan modification,collection,foreclosure
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|
Referral |
Older American |
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| 06/30/2014 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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| 02/04/2014 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Postal mail |
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| 02/10/2013 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
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| 01/08/2013 |
Yes |
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- Loan modification,collection,foreclosure
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Referral |
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