Debt collection — NBT BANCORP INC. (PA)

Threatened or suggested your credit would be damaged. This company is biased, I have a joint auto loan with this company XXXX XXXX XXXX XXXX, with my husband. They reported on his credit report paid on time. But on my credit report they only report when I am late. My husband checked his credit report and they reported him paid on time and on my credit report its showing late after making my payment at the same time as my husband, thats the point of a joint account it gets paid the same time coming out of our shared accounts. XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX