On XXXX/XXXX/15 at XXXX I submitted a payment via the Provident Funding App on my smart phone. This payment is for the XXXX 2015 payment. I applied for credit and was told on XXXX/XXXX/15 that my credit score had significantly dropped and I would be receiving a higher interest rate because of it. On XXXX/XXXX/15, I obtained a copy of my credit report and was shocked to find Provident Funding had reported my loan 30 days delinquent based on the day the company chose to process the payment which was XXXX/XXXX/15. I explained to each of them that I 've processed many payments on the XXXX day of the month in addition have processed payments on a Saturday and have never received a negative mark on my credit until now. I was also told I would have had to process the payment on XXXX/XXXX/15 to avoid a negative mark on my credit because the XXXX is the last business day of the month for reporting in addition they are n't open on Saturday to process my payment. I was told they have to report accurately and per the FCRA guidelines and ensured me this was correct. I was told i can not receive " special attention '' and further explained the day i processed the payment did not matter, what mattered was the day they got my money. I repeatedly asked how I could receive a 30 day late when there are only 28 days in the month and I paid within the current month. I explained my understanding is i have 30 days from the due date and the representative told me that is no actual date to when they can negatively report on my credit and assured me provident is compliant with the FCRA guidelines. I wanted an explanation as to why internal business practices negatively impacts the consumer all because 1. It 's a short month 2. They are n't open on weekends 3. The last day of the month it reports to the Credit Bureau 4. I was told on the website it would n't be processed until XXXX/XXXX/15. The disclosure is vague and fails to state what the effective date is. The payment was made on a Provident provided website and they confirmed through the paperwork I submitted and their internal records it was received on XXXX/XXXX/15 at XXXX. This is negatively impacting my husband and I while in the process of obtaining credit. I have disputed this with the credit bureau agencies and provident funding has responded by saying the information is accurately reporting. I think this is unfair and deceptive to the consumer. 
