FirstMerit Bank Consumer Loan Complaint

FirstMerit Bank Consumer loan department,

Vehicle loan Managing the loan or lease Ohio

My complaint is with First Merit Bank ( -, OH ) on a vehicle loan ( - ) in which I paid in full, hold the title to ( enclosed ) and according to the bank personnel I spoke to on -/-/- in good standing ( - and - - supervisor ). The issue is that all - of my credit reports ( -, - and - ) show different 30, 60 and 90 and 120 days deliquent status thou I was not late with payments as each was called in person on due date of payment. - shows 60 day late and - shows 120 day late of which I was told by both individuals up top in -/-/- that there records show 5 - 30 day late payments only and no 60/90 or 120 days late and if that was the fact on my report according to them on the phone, they would of repossessed my car. I believe another issue at the center here is that I was offered a


special offer '' to customers like myself in good standing. This was encouraged/offered to me on the phone by a First Merrit Rep back in - well before loan maturity of which I took advantage of but that I would have to pay some additional interest at the end of the loan by doing this. I paid that interest and its documented. I did receive a letter of the offer but no specific details of the offer in writing or informed by anyone at First Merit Bank on a monthly basis when I called to make my payment that this would put me in a delinquent status '' or affect my credit report. '' nor did I receive any written notification outside my statement in good standing that my loan was in jeapardy '' outside of the additional interest that was due from the extension of the loan. Each month I called in on the due date and make a payment and the First Merit Bank reps were pleasant and informative on any questions I asked. Last week I called First Merit ( -/-/- ) to address the credit reporting errors after repeated attempts '' this past year to resolve with notorized letters '' and attempts to remove '' the errors. I spoke with all three credit reporting agencies who said they would submit inquiries to the bank - most of which was not done and the tone was very clear that the Bank is always right. I received today ( -/-/- ) upon my request a history of payments '' from First Merit and asked for both due dates and payment dates to verify the so called 5 separate months of 30-day late payment. The multiple sheet shows nothing of the such to support their claims of 30/60/90 or 120 day late. I 'm requesting all 30-day lates be taken off my credit reports as well as 60/90/120 day which are not acurate and was even told so by First Merit Bank Reps/Supervisors - - and - on -/-/-. Additionally, the loan extension '' offer was both misleading and not explained in a way that clearly benefited the consumer vs the lender. Additionally, the contact information on all - credit reports for First Merit Bank goes to a non working number. I asked the Credit Bureus for a working number and they indicated they did not have the responsibility to provide or supply beyond what First Merit provides to them - very non helpful. The real numbers are Consumer Loan Services number is - or -. Another number is - for Financial Services.