My wife and I made a payment on April 7, 2022 to Flat Branch for our house payment. (see attached) for confirmation email. Flat Branch did not try to process the payment until April 18 and 19 and due to emergency surgery (April 11) on my part, the payment was then returned due to inefficient funds at my bank due to the medical reasons. Brian Goff, from Flat Branch collections, called me on April 22 2022 stating he had blocked our online access to our profile and the only way to make a payment was to wire a payment, which will cost us even more. (see attached) Brian also threatened to report to credit bureaus with a late payment if 30 days late. Our payment is due the 1st of every month and he locked us out of our account at day 22. Brian also contacted me again on the 25th stating the hit to my credit. On April 26 2022, I then called and talked to Allan of the Flat Branch customer service, who stated to make the payment by end of DATE on the 29th and that arrangement was made with authorization from his supervisor Lori and also to unlock the online access for us to be able to make the payment. So per the arrangement made, on April 29, my wife went to make the late payment to find access still blocked. Now we will be hit with a late notice (30 days) on our credit due to BRIAN GOFF and his neglect of duties and lack of integrity. We have never been late on payments and always pay extra every month. Unfortunately due to emergency spinal surgery the mistake was made and acknowledged on our end and wanted to correct it. We shouldn't be forced to lose access of our account due to less than 30 days late. My wife and I also tried the payment assistance program thru Flat Branch and was emailed a packet of foreclosure paperwork. Brian Goff called me again and threatened the 30 day late hit on April 28th. I told him that there was an arrangement made and he acted insulted and again stated that the only way was to wire a payment and again, 30 day credit hit threat. I am also willing and in the process of contacting all media sources on this action of the above named employee. So you can see how Flat Branch allows an employee to threaten customers who made a mistake due to unavoidable EMERGENCY circumstances. AVOID FLAT BRANCH AT ALL COSTS