A friend of mine had a mortgage with Options One which I believe is a part of HSBC.
The monthly payment was due on the first, and she normally made the payment on the 5th or 6th of the month.
However on the 2nd of the month she would start getting phone calls from people with an Indian accent- demanding payments, and they would call two or three times a day demanding a payment.
She decided to refinance and discovered a pre-payment penalty was in her contract-this delayed closing date by about a week.
She went to closing on the 29th of the month and Options One received the payoff the following month on the 4th.
Options One, knew about this refi early in September, and knew the closing date and knew the loan would be paid off.
They told the Credit Bureau that my friend was 30 days late with the payment and now she is trying to remove it from her credit report.
Options One- congratulations you are the Big Corporate Idiot of the Day.
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