I personally think First Tech is completely full of crap. Something similar happened to me. First, there was confusion about the first month a payment would be taken out. Second, I had autopay and notifications enabled on their website, but they were not working for some reason. Basically what happened is my first payment was not due in the month I was told. I told them what due date I wanted, I guess it would have been too far our for my first payment to be due the next month, so they made it due the same month I started, or one month after I started instead of two. It was something like that. The only reason I caught it was because I logged into the account for something else, and I noticed a payment already due, and I paid it. The next month, I get a message in the internal messaging system, that I did not pay when the payment was due. I forgot how long after the due date this was, so I went ahead and paid it. I found it off that I did not get an email or any find of alert or notification on my phone when the payment was due or missed. I checked my account, and I was setup for autopay and notifications. The next month the same thing happens, but I'm so busy I didn't notice the message or the e-mail from them saying no payment was made until I got a 30 day late on my credit report. I reached out to them to let them know I was not getting notifications, and I should have been on autopay. For some reason on their end it was not showing enabled. This hapened another month, so I decided to turn both off and back on, and that seemed to fix the problem. But I reached out to them about removing the 30 day late, and they gave me the same run around they gave Bobcat about submitting a request to have it adjusted.
They also suggested that maybe I have the credit reporing agencies remove it from my report, since they have more control over what is on the report. I do that, and a couple of weeks later I'm locked out of my account because there is an ongoing dispute. I can't get in to make payments or communicate with them about the internal request to adjust my report. This goes on for about 2 months. I've called them twice during this process. They advised me to use the 3rd-party pay service ACI which allows you to pay with debit instead of ACH. They never offer to just take the payment over the phone. I try to use ACI but because they have esentially suspended my account, they also can't process payment against the account number, so I have no choice but to send in my payment. They never commonunicate with me that the account is back active. Getting any e-mail from them is the only reason I tried to log into the account after not being able to for almost 2 months. In the mist of all of this , by the time they cleared the check I sent in the prior month, there is another 30 days added to my report. So, I go from a score almost in the 800s to the mid to low 600s. Even despite this second one basically being their fault they give me the same run arund with the second late. I go back to the agencies again. TransUnion removes the lates, Experian does nothing, Equifax completely removes the account from my report. Two months later despite the issues with notifications and autopay now resolved, I noticed that the two lates are put back on TransUnion. I eventually get two letters from them each saying that their perspective invesitgation found that nothing was reporting in error. I actually e-mailed the CEO of First Tech asking him what the policy is on courtesty adjustments, and I guess I have no choice but to try and get it removed from the other 2
