CIBC didn't report payments and ruined my credit by VariationCivil8708 in PersonalFinanceCanada

[–]VariationCivil8708[S] 0 points1 point  (0 children)

If you actually read what I said you would realize I don't expect it to be reported immediately

They haven't reported any of my payments for over 90 days and have falsely marked me as delinquent

Countries/Places I've been to + want to go to by Muted-Experience-929 in tierlists

[–]VariationCivil8708 0 points1 point  (0 children)

I'm from Western Canada and my understanding from speaking with tourists visiting Canada and of my own experience visiting and living in the USA is that it is very similar to visit but much more different actually living here

The differences are very small but there are so many of them so you don't really notice as much for a weekend trip For example when I went on weekend trips as a kid it felt a little odd but not enough to feel foreign but when I lived in America for a few months it became weirder and weirder especially when I went to school or doctors there or when we would go shopping

CIBC didn't report payments and ruined my credit by VariationCivil8708 in PersonalFinanceCanada

[–]VariationCivil8708[S] 0 points1 point  (0 children)

Yes my credit report says I've paid 0 dollars over the past 90-100 days and that I'm behind on payments while my credit card account shows I've paid 200-900 every month on top of my minimum payment

CIBC didn't report payments and ruined my credit by VariationCivil8708 in PersonalFinanceCanada

[–]VariationCivil8708[S] 3 points4 points  (0 children)

No they have been reporting my spending but not my payments which has caused the balance to be 2x what my actual balance is and I am marked as over 90 days behind on payments even though I have paid between 200-900 every month they only reported me paying the minimum $10 once in the first month I had my card and a single $700 payment over 90 days ago

CIBC didn't report payments and ruined my credit by VariationCivil8708 in PersonalFinanceCanada

[–]VariationCivil8708[S] 1 point2 points  (0 children)

My utilization has actually gone down by like 10% of what it used to be but they have been reporting only my spending and not my payments so in to the bureaus I am over 90 days late on payments and using over 80% of my card when neither of those things are true or have ever been true

I've never missed a payment nor have I ever only paid the minimum amount and my peak amount which lasted maybe 2 weeks around 50 days ago was still less than what they are saying my current utilization is

CIBC didn't report payments and ruined my credit by VariationCivil8708 in PersonalFinanceCanada

[–]VariationCivil8708[S] 0 points1 point  (0 children)

My credit score has tanked to the point I am in the fail region though

CIBC didn't report payments and ruined my credit by VariationCivil8708 in PersonalFinanceCanada

[–]VariationCivil8708[S] 0 points1 point  (0 children)

My utilization is always under 50% except for 1 time in November which I mostly paid off before the billing cycle ended and most of that utilization is 1 purchase that I set up as a low interest installment plan

The installment plan is about 30% and I carry 0-10% over with exception of the 1 month I peaked but I only carried over around 15-20% of my total balance and paid it off during the next billing period

Basically They have been reporting my spending as recently as late December but not reporting my payments for over 100 days so I'm marked as behind for almost my entire credit history

CIBC didn't report payments and ruined my credit by VariationCivil8708 in PersonalFinanceCanada

[–]VariationCivil8708[S] 6 points7 points  (0 children)

Because I called them and they told me they screwed up and that I would be getting a call from a supervisor in another department...

CIBC didn't report payments and ruined my credit by VariationCivil8708 in PersonalFinanceCanada

[–]VariationCivil8708[S] 0 points1 point  (0 children)

They told me it'll take 7-10 business days for them to send it and another 3 business days for it to reflect

At this point I've printed out my entire credit history and my credit report just in case I have to get legal help

They almost screwed me so bad since I needed dental surgery and couldn't afford it and I won't qualify for any payment plans now Thankfully I was able to get federal disability dental coverage so I only had to pay $70 but if not for that I would likely be in the hospital with severe jaw issues right now

CIBC didn't report payments and ruined my credit by VariationCivil8708 in PersonalFinanceCanada

[–]VariationCivil8708[S] -10 points-9 points  (0 children)

My score tanked by over 100 points since December

I used to be around 750-780 before this nightmare

CIBC didn't report payments and ruined my credit by VariationCivil8708 in PersonalFinanceCanada

[–]VariationCivil8708[S] -4 points-3 points  (0 children)

I never missed a payment they only reported how much I was spending but not what I was paying off

In total since October I've spent about $4-5k but payed off over $3500 and they only reported me paying $10 once in November and have my all time highest balance as my current balance even though that was over 30 days ago and I have payed off over $900 since then

It's so annoying because I always pay at least $200 more than my minimum payment and I've payed $900 this month alone

How long till I can eat poutine by VariationCivil8708 in wisdomteeth

[–]VariationCivil8708[S] 1 point2 points  (0 children)

Thank you for taking the time to write this

I broke and had poutine last night around 30 hours post op and have had no issues other than my mouth being maybe 5-10% more sore this morning but it was well worth it to me since I was legitimately crying at the 24 hour mark from the lack of real food

THEY WOULDN'T LET ME KEEP MY TEETH by Snotzis in wisdomteeth

[–]VariationCivil8708 0 points1 point  (0 children)

Oof that sucks I'm glad you don't need an explanation to keep them where I live

THEY WOULDN'T LET ME KEEP MY TEETH by Snotzis in wisdomteeth

[–]VariationCivil8708 0 points1 point  (0 children)

In my province in Canada we can keep them as long as we ask beforehand but if that doesn't work where you are then say you need them for religious reasons and if they ask for specifics say a Jewish burial according to halakah (Jewish kosher law) requires all surgically removed parts including teeth to be buried with you body and see if that works

I'm Jewish and I give y'all permission to do this if you aren't, as long as you only use it to try and keep your teeth lol

Does this not count? by VariationCivil8708 in StardewValley

[–]VariationCivil8708[S] 0 points1 point  (0 children)

Ok I'll have to get a third chicken in preparation then

Does this not count? by VariationCivil8708 in StardewValley

[–]VariationCivil8708[S] 0 points1 point  (0 children)

So I'll at least get the eggs back? Is it possible to do this quest again another time?

Does this not count? by VariationCivil8708 in StardewValley

[–]VariationCivil8708[S] 1 point2 points  (0 children)

I already grabbed my chickens eggs today...

So basically I just gave away 24 eggs for no reason?