| 05/19/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Dear Sir/Madam : Hello, I am XXXX XXXX XXXX which I am submitting this complaint against Pentagon Federal Credit Union ( PENFED ), as I feel wholeheartedly, they had direct and indirect responsibility of me forfeiting and the loss of {$8000.00} that comprise of my earnest and due diligence fee in my attempt for a mortgage loan which they denied after taking approximately 32+ days, since notifying me of a pre-approval and missing a significant deadline date for as relates to due-diligence deadline - for the buyer.
Throughout my email communication numerous of times I have email them for a status of my loan application. Moreover, me informing PENFED, from my initial contact of going with PENFED instead of XXXX XXXX ; whereby, I had already received a guaranteed approval, because I was a longtime customer of PENFED. Moreover, I informed XXXX XXXX that I decided to go with PENFED for a mortgage, since I was long time customer of PENFED. In addition, it had taken PENFED 30+ days to provide mortgage denial - as I was very proactive and timely in providing necessary documentation and communicating. Though, i was prompt and timely PENFED fail to be timely in their communication ; if they were could have prevented the loss of {$8000.00} which I am seeking for a full and or partial refund. Lastly, my last PENFED Team : In regard to your response- I still disagree with your response : PENFED FIRST STATEMENT : As I stated on the phone call, you had an entire team of PenFed employees trying to make this loan work for you in a way that is allowable by the VAXXXX From loan officers, loan processors, underwriters, and all of their managers to our senior loan analysts and secondary marketing teams which work as a liaison between PenFed and the VA on their guidelines and requirements, we truly exhausted all options to try and move forward for you and your family. Even though the decision was delayed, you were informed each step of the way what was happening and why based on the notes in the loan and communication I was included on via email.
Response : If all of these PENFED representatives were involved exhausting all options : Please provide proof and acknowledgement provided other options to me in or to get this loan approved? Secondly, with all PENFED Representatives involved- why was there a delay? Moreover, if all PENFED representatives were involved and exhausted- why was not offered other options i.e., such as co-borrower ( s ) and or option to go conventional? Moreover, as relates to meet the deadlines of my purchase agreement.
" PENFED acknowledges the decision was delay '' ; this is truly negligent on PENFED behalf! Especially, if all team members which you are stating reviewing my application and exhausting all options!
Request PENFED provide proof that I was informed each step-of-the way? I the customer, sent emails requesting an update to my loan application- not once did my loan officer explain to me via verbal and or written communication - PENFED process each step of the process - again negligence on part of PENFED PENFED SECOND STATEMENT : When XXXX received the loan in her space, she clearly communicated what the application stated and requested documents based on that information. When you informed her that some information was not accurate and she made the necessary adjustments, the loan was no longer eligible. Your PenFed Pre-Approval Letter was also based on the stated income and assets on your initial application. When confirming these amounts with you and obtaining the needed documentation, the Pre-Approval Letter then becomes invalid due to changes in these amounts. When escalating to underwriting and their superiors to see if there was a way to approve the loan that we had not discovered, it was further determined that the credit history also came into play and impacted the loan approvability with the current VA lending guidelines.
Response : Communication of Assets, Income, and Expenses clarification and validation.
PENFED acknowledges ; as stated above " the loan was no longer eligible '' ; If so, why was I not informed and provided other options? XXXX notified Customer 18 days after my initial pre-approval see email dated XXXX XX/XX/XXXX ; this relates to PENFED acknowledging their failures, delays, and negligence! Why did it take 18 days for PENFED to discover and acknowledge? Why If PENFED Representatives ( loan officers, loan processors, underwriters, and all of their managers to our senior loan analysts and secondary marketing teams ), as being stated ; with all these personnel working and providing 100 % and exhausting their effort : why were there delays?
why did take 18+ days needing to validate my application? why was I not denied within timely and reasonable timeline- in relationship with my initial application and pre-approval?
*NOTE : 100 % failure and negligence at every level!
No delays, which PENFED acknowledges there were delays, PENFED stating " all representatives working on my behalf and exhausting their efforts '' ; Why were there delays? Why did it take 18+ days to notify the customer of any application and validate assets, expenses, and incomes? Note : 100 % PENFED Negligence NOTE : Acknowledging, no delays, " Time is of the Essence '' ; and all PENFED representatives ( supervisors and managers ) exhausting all options on my behalf ; - why are we at this juncture? why was not given other options? Why am I out of {$8000.00}? if PENFED was not negligent ; PENFED would have provided the customer ( XXXX XXXX ) other timely option ( s ) : ( 1 ) Add a Co-Borrower, ( 2 ) Cancel the contract, ( 3 ) Look for other Mortgage Provider i.e., XXXX XXXX XXXX, and XXXX XXXX ( 4 ) Other loan types i.e., conventional.
( 5 ) Customer would not have to submit this complaint, and ( 6 ) PENFED would not be negligent ; nor spend and exhaust precious time responding to my complaint, while utilizing this same time working with other customers/borrowers PENFED THIRD STATEMENT : There are various clauses in a contract to protect buyers and that allow for buyers to recover their earnest and due diligence money based on financing or other points, but I did not see this listed in your contract. There was actually a segment outlined and boxed on the contract stating that the contract was not contingent upon financing ( p5 ). In speaking with you, I completely understand why the waiver of the VA financing agreement was made as well in a market such as this where its harder and harder to be competitive in making an offer on a home purchase. As always, we do recommend talking to your real estate agent or an attorney for the best information about the possibility of recovering these fees.
Response : First, as a consumer, who purchase real estate ( main residence and rental properties ) in the past - never it has taken 30+ days for full approval and or being denied, and the bank ( s ) providing me or my realtor timely responses. Thus, providing timely response so that as the buyer I can make timely decisions in order to back out of a real estate purchase.
Furthermore, the seller and buyer can engage in any type of agreements while protecting each other. This does not excuse the lender acknowledging and adhering to the customer purchase agreement while engaging in purchasing real estate- and the bank ( PENFED ) being accountable and responsible providing timely responses and decisions to prevent breach of contract ; meeting the customer deadlines ; and or allowing the buyer ( XXXX XXXX ) ample amount of time to seek other alternatives and or canceling the contract.
This is transparent as PENFED acknowledges their delays - without providing real and concrete reason for the delay and stating all PENFED personnel trying to help process loan for approval. There were failures that resulted in PENFED being negligent. PENFED was timely in there response outcomes would have been different : ould have provided : ( 1 ) PENFED timely information and responses : allow the buyer ( XXXX XXXX ) in this case allow me to make timely decision ( s ) going with another lender such as XXXX XXXX ; thus, preventing the loss of {$8000.00} and or meeting closing date and purchase of propety ( 2 ) PENFED is unable to provide relevant and concrete reasons for their delays which ultimately infringed on the borrower ( XXXX XXXX ) and his agent ample amount of time to make other reasonable, formable and timely decisions to prevent a breach a contract ( 3 ) In all contracts and agreements " Time is of the Essence '' ; PENFED acknowledge their delays without concrete reasons provided to the customer ; therefore, is negligent on their behalf, and most importantly, to the customer With this being stated ; PENFED response at your levels is not acceptable! Moreover, I am requesting addressing this matter to most PENFED Senior Leadership. PENFED negligence is unbelievable and unimaginable an organization of its size and various levels of leadership - allow the unconceivable, inconsistences and negligence in timely responses and inability of preventing these types of failures without any accountability!
This is why, my concerns, frustrations and complaints needing to move forward through PENFED complaint processing and even to senior leadership and possibly legal arbitration, if necessary. It is with deep and strong sincerity in utilizing all necessary tools in an attempt to recoup my losses ; more importantly, flagrant abuse and negligence does not occur again, and customers do not experience this type of situation. Because there were failures, lack of protocol and accountability and negligence on behalf of PENFED- this could have been avoided!
V/R XXXX XXXX XXXX XXXX -- -Original Message -- -- - From : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX ; XXXX, XXXX XXXX Cc : XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX : Mon XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX : [ XXXX ] XXXX XXXX Official Complaint - PENFED Mortgage Loan Denial XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Thank you for speaking with me today XXXX Unfortunately, the decline on the loan was at a time that didnt permit you to recover the due diligence or earnest money amounts, but I do appreciate you listening to the reasons why this came after the allowable date on your contract. As I stated on the phone call, you had an entire team of PenFed employees trying to make this loan work for you in a way that is allowable by the VA. From loan officers, loan processors, underwriters, and all of their managers to our senior loan analysts and secondary marketing teams which work as a liaison between PenFed and the VA on their guidelines and requirements, we truly exhausted all options to try and move forward for you and your family. Even though the decision was delayed, you were informed each step of the way what was happening and why based on the notes in the loan and communication I was included on via email.
When XXXX received the loan in her space, she clearly communicated what the application stated and requested documents based on that information. When you informed her that some information was not accurate and she made the necessary adjustments, the loan was no longer eligible. Your PenFed Pre-Approval Letter was also based on the stated income and assets on your initial application. When confirming these amounts with you and obtaining the needed documentation, the Pre-Approval Letter then becomes invalid due to changes in these amounts. When escalating to underwriting and their superiors to see if there was a way to approve the loan that we had not discovered, it was further determined that the credit history also came into play and impacted the loan approvability with the current VA lending guidelines.
Due to not only overstated income and assets being on the initial application, but also a credit history that didnt fit within the approvable guidelines, we were forced to decline the loan for further consideration. We still wished to help you, though. We did make contact with your realtor and let them know as soon as you found a new lender to approve your loan, we would immediately transfer the appraisal report to them to allow for the quickest closing possible for you. At that time, your realtor informed XXXX that you had already looked at other lenders and their options, but it was ultimately determined that you would not be able to move forward with an approved decision with any of them either.
I know many times there are clauses in contracts that allow for buyers to recover their earnest and due diligence money based on financing or other points, but I did not see this listed in your contract. There was actually a segment outlined and boxed on the contract stating that the contract was not contingent upon financing ( p5 ). In speaking with you, I completely understand why the waiver of the VA financing agreement was made as well in a market such as this where its harder and harder to be competitive in making an offer on a home purchase. As always, we do recommend talking to your real estate agent or an attorney for the best information about the possibility of recovering these fees.
For your reference, I have sent you the Pre-Approval and the initial loan application with stated income and assets in excess of actual amounts via your loan portal ( not the PenFed banking login ) to protect your personally identifiable information. I hope these documents will help show where the discrepancies were from Pre-Approval to actual loan review. Please feel free to reach out to me or XXXX, my manager, with any further questions you may have. Noels information is listed below for your convenience.
Based on our conversation, I know the decline was not the biggest concern you had with how we conducted business for you. I am aware that you have issues with the timeliness of the decline when you felt you properly followed up on all levels and were pushed past the application phase for further review. We will work with out loan officer partners on expectations and a properly detailed application to ensure this does not happen again.
Thank you, If you do not feel your expectations are being met please reach out to my Manager, XXXX XXXX at XXXX, XXXX or contact our XXXX XXXX XXXX XXXX XXXX on XXXX, XXXX.
XXXX XXXX LXXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Office Hours : XXXX XXXX XXXX, M-F XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Email XXXX XXXX XX/XX/XXXX : PENFED Team : Good afternoon/morning! First, thank you for your time and understanding. In regard to my official compliant and additional information. I want to add the following : PENFED Statement of Credit Denial. I received a copy of my credit denials- see attach. Based upon the information provided reason for my denial provide pause - as it relates to following : My Questions/ Concerns : In accordance with ( XXXX ) XXXX and XXXX XXXX : PENFED / XXXX inquiry / pulled my credit report and XXXX Credit Report on or about XXXX XX/XX/XXXX PENFED Denial : 32 Days passed since, my initial PENFED pre-approval Credit and Credit History : Known by PENFED on or XXXX XXXX XXXX XX/XX/XXXX Employment and Employment History : Current Employer / Employment History : clearly stated on my application which submitted on or about XXXX XX/XX/XXXX This provide me pause and raise additional questions and concerns : how I would receive a pre-approval which taken approximately one ( 1 ) day to be given by PENFED knowing my income, credit, and employment history? In addition, taken additional 30+ days to be denied?
Again, I must reiterate and restate the following : First : did have to take 30+ days to inform the customer ( XXXX XXXX XXXX and his Realtor Agent that he was denied and or to determine his denial?
Secondly, could a decision have been made much sooner ; and or been provided additional loan options such as adding a co-borrower- which I was never asked by PENFED?
Why as the customer had to wait this long for a denial- when PENFED had all information needed to make a formable decision? Moreover, PENFED was given a copy of customer/buyer Purchase Contract informing and stating the following : " Time is of the Essence. '' to prevent and avoid a " Breach of Contract '', which did not happen because PENFED was not timely in their communication of credit denial to the customer/buyer and or PENFED and their representatives was not cognizant to the customer/buyer Purchase Agreement and did not perform their " Due Diligence '' to ensure customer/buyer where compliant and meet his obligation in meeting the purchase contract requirements.
I am notifying PENFED this matter is not going away- it is disappointing, aggravating, upsetting, and I am truly angered knowing this matter could been resolved professionally and in a timely manner. Therefore, acknowledging, accepting, knowing and understanding " Time is of the Essence '' and obligations by each party of a real estate purchase contract.
I am and will escalate this matter to other authorities and agencies to get his matter resolved in attempt to be reimbursed for the monies that I lost - due to breach of contract which I honestly and truly believe could have been avoided! Bottom-line, as a customer for 30+ years, I have lost all faith in PENFED ; moreover, your organization is too big and should have processes in-place to prevent to this to happen - for any customer!
Very Respectfully, XXXX XXXX XXXX Email Dated XXXX XX/XX/XXXX : XXXX XXXX : Good afternoon! Thank you again for reaching out. I will try to gather some information ( dates, emails, telephone call timelines ) as additional support of my complaint : XX/XX/XXXX XX/XX/XXXX : Initial Contact XXXX Providing brief financial history ; reasoning going with PENFED w/my XXXXXXXX XXXX Pre-Approval Guarantied XXXX XX/XX/XXXX : XXXX Notifying Approval XXXX XX/XX/XXXX : PENFED provided a copy of Purchase Contract stating w/ Due Diligence Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX : Notification of Closing Date XXXX XX/XX/XXXX : Checking in Status of Application *Note : 6 Days before expiration of Due Diligence expiration date ; no communication to myself and realtor 8 Days has passed since initial approval without no questions, concerns and validation of reporting of my assets and income 8 Days since approval ; of any major questions or concerns of my ability of being finance via VA 8 Days since approval and not being inform if Appraisal been requested or ordered 8 Days since approval ; customer and realtor still thinking - no problems of being fully approve *Note : XXXX XX/XX/XXXX, and 15 Days as Passed, since receipt of initial approval Questions/ Concerns of my reported assets and income are raised No discussion and or the possibility of not being able to get via VA financing ; communicating to PENFED during my initial phone communications via telephone calls as it relates to my current employment, living and working arrangements, and income source No discussion and question of needing to increase of my down payment for approval, noticing on my PENFED Dashboard the amount being financed changes from various amounts i.e., {$250000.00} to {$240000.00}, and {$230000.00} Due Diligence Date passed ( XXXX XX/XX/XXXX ) ; Customer and Realtor still believing no real problem existing for full approval *Note : PENFED Mortgage Competitor XXXX XXXX ( XXXX XXXX ), who consistently communicating with me since they provided me their guaranteed pre-approval, and or they will provide me {$1000.00} in XX/XX/XXXX ; As of Monday XXXX XXXX when notified by PENFED unable move on with my application; throughout she consistently and in timely manner followed-up with me- even though I had informed her that I decided to go with my banking institution PENFED because I been a customer with them for 30+ years! but, still she remain involved *Note : Week During XXXX - XXXX XX/XX/XXXX : XX/XX/XXXX Days has Passed since initial approval Customer : knowing Due Diligence Period has passed ; knowing the possibility loss of Due Diligence and Earnest Money , while communicating to PENFED Loan Officer and her response " you should not lose '' Customer remains patiently - still thinking he will be approved ; realtor still thinking he will be approved Customer coordinating and making flight arrangements ; Backyards Preparing and planning in preparation to relocate ( utilities, furniture and personal items ) to be shipped ; also, coordinating with immediately family members ( Siblings ) for their assistance - due to my vacation and return to work schedule Customer via email ; asking and begging for possibility of 97 % assurances, if going to be fully approved ; otherwise go with PENFED competitor XXXX XXXX- knowing XXXX XXXX closing date was approaching Customer worrying and stressing while contemplating providing PENFED notification of canceling my application and moving to XXXX XXXX hoping to revive the purchase and no need in adjusting closing date ; most importantly not to lose {$8000.00} ( Due Diligence and Earnest Money ) XXXX XXXX : Per above is somewhat of a timeline that explains why I am so angry and utterly upset- there is not enough words and feelings that can explain " how I feel right now '' and not to mention of losing {$8000.00} which I honestly and truly believe this could have been avoiding and or possibly a way out to revive this purchase and not losing the time, and money. Also, this is not my first home purchase ( XXXX, and two rental property purchases in XXXX ) ; never after 28+ days - either my mortgage provider on each purchase - taken so long during real estate purchase knowing what is at stake for the buyer, and the seller.
Furthermore, my wife who is just as angry and upset ; as state above- all my home purchase mortgage provider would have informed me within 7 to 14 Days of the following : XXXX XXXX XXXX we need to add your wife which would help with her income ; and or XXXX XXXX XXXX we might need to go conventional - as such for my primary residence here in XXXX XXXX which I sold.
Also, let me mention regarding the various questions which PENFED was asking regarding assets and income- the information was told verbally and possibly during various email communications. As stated, I had an opportunity to switch to Rocket Mortgage, but know I wanted so much to stay with PENFED, but if I would have changed my decision within XXXX - XXXX XX/XX/XXXX ; honestly and truly believe ; today, my wife and I would not be feeling as we do right now - a lost opportunity and {$8000.00}, down the drain!
As another opportunity to support my frustration and anger ; I went to another PENFED Competitor - XXXX XXXX XXXX, XXXXXXXX XXXX - within 48 hours after providing them same documentation as I did for PENFED. Again, either XXXXXXXX XXXX and or XXXX XXXX XXXX would have given me options ; whereby, could have avoided a breach of contract ; and not losing {$8000.00}!
I provided much information ( Note : not-with-standing telephone calls timelines ) and explained my sincere unhappiness, anger and frustration's- again, I firmly believe this could have been handled in a much timelier manner. Also, let me mention contacting the seller and explain to them - my deepest sincerity that my realtor and me having to inform them at the 11th hour ; and me begging, what is the feasibility of recouping some of money, which I am really embarrassed. But we had contract and I understand and respect. Moreover, the additional expenses they would incur- which probably I could be responsible, if they want to take it to court.
Thank you- which I will never do business with PENFED specifically with a mortgage. I am going to continue to voice my concern to highest level of PENFED Leadership ; moreover, I would ask everyone from XXXX to XXXX ; along their immediate, middle and senior leadership - put themselves in my/our shoes " how would they feel?
Very Respectfully, XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX AM To : Young, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX Subject : [ EXTERNAL XXXX XXXX XXXX Official Complaint - PENFED Mortgage Loan Denial XXXX XXXX XXXX XXXXXXXX XXXX XXXX : Good morning! First and foremost, I want to thank you for your time and understand on this very important matter. I am writing this email after several days upon me being notified that PENFED is unable to move forward with my purchase and the loss of {$8000.00} because of breach of contract.
As a long standing PENFED customer and just an ordinary individual, who was looking forward transitioning all my financial needs to PENFED ; there are not enough words and sincere feelings than I am expressing ; how frustrated and angry that I am feeling- with the forfeiture of {$8000.00} ( Due Diligence and Earnest Money ) due to the breach of contract. These funds were part of my savings with PENFED that derived from the sale of my home here in XXXX which I hope my family would relocate to the XXXXXXXX XXXX XXXX area.
This is why, as stated above since PENFED notification to me unable to move forward with my application, and until present day ( date of this email ) to honestly express how outrageous and upsetting, I feel with the loss of {$8000.00} which I honestly believe could have been prevented prior to my contract due diligence deadline of XXXX XX/XX/XXXX ; note see Purchase Contract Page 2, and 5 para 4 Buyer Due Diligence Process, where " time is of the essence '', boldly stated in my contract that was provided to PENFED/XXXX. XXXX XXXX. Furthermore, with me needing to question : Initial Pre-Approval received from XXXX. XXXX XXXX - was it truly a good and guaranteed pre-approval that took in account me of my situation- which was clearing stated verbally : Current Main Residence in XXXX and working overseas in XXXX Plan were to relocate to XXXXXXXX XXXX XXXX XXXX as I have immediate family ( Son and Daughter ), who resides within an hour Moreover, though I live in XXXX, I have always worked overseas and or on the East Coast Telephone Calls : without prompt and timely responses Additional Down Payment : approximately 3 weeks-ago ; whereby, XXXX XXXX XXXX contacted me via phone ; needing additional down payment to get " an approval through PENFED underwriting system '' ; my reply, which I responded at the " 11th Hour '' ; I am being ask this ; but I agree whatever it takes to get a final approval, as the deadline for closing was coming up.
Communication to/with PENFED/XXXX XXXX XXXX ; informing here I am risk of losing my Due Diligence and Earnest Money ; which he she stated that I should not lose ; well, I have lost and forfeited these funds after being notified by PENFED.
Now, on the other hand, I had a guaranteed pre-approval which was provided to PENFED/XXXX XXXX XXXX from XXXX XXXX, but know I selected and decided to go with PENFED ; why as I stated above ; since, I been a long-term ( 30+ years ) customer my plan was moving all financial needs to PENFED. I honestly believe this is an honest complaint whereby, this could have been prevented and me not losing my hard-working savings ( {$8000.00} ), it's like a punch in " gut ''.
Furthermore, in regard to the additional question referred to PENFED Mortgage Center under my profile : Assets-Debt payoff Description : Paper trail how XXXX loan # XXXX was paid in full of from veterans accounts Answers : Paid through and by various accounts : via payment XXXX website and XXXX from Customer Accounts ( XXXX, Penfed, and Credit Card XXXX Assets-Stock statement Description : Provide Complete TrowePrice XX/XX/XXXX Quarterly statement Answers : Provided Assets-EMD Description : Provide a copy of {$8000.00} earnest money deposit checks and corresponding asset statement showing a debit of the funds.
Answers : Already provide information and documentation ; again, these payments were given from my XXXX Account via XXXX ; also, these funds were derived from employment earnings and remaining funds from the sale of main residence in California : *Note : if PENFED will conduct research ; I had couple of Certificate of Deposits ; moreover, a large deposit back in XXXX from the sale of main residence.
Income-LOE Employment Gap Description XXXX Provide a letter of explanation for the gap in employment from XX/XX/XXXX to XX/XX/XXXX Answer : Provided XXXX and XXXX XXXX W2s XXXX are one in the same company : XXXX XXXX is a subsidiary of XXXX XXXX XXXX Description : Provide a copy of the employment transfer agreement to XXXXXXXX XXXX Answer : As previously stated since my retirement from XXXX XXXX and living in XXXX ; I have always worked ( Government Contracts w/Major Government Contractors : i.e. XXXX, XXXX, XXXX XXXX ) overseas and or on East Coast ; furthermore, this was never a problem during my purchase of my main residence in XXXX and rental properties in XXXX
Per initial conversation w/XXXX XXXX XXXX I informed her of this information ; along with it is my sincere intent that I would certify my intent that I was going to move to XXXX as I do have family ( Son, Daughter, and grandchildren ) who resides within 1 to 2 hours in XXXXXXXX XXXX and XXXX, XXXX respectively ; moreover, my wife would eventually relocate to XXXX.
Income-QM Paystubs/W2s-Two Years-Borrower Description : Provide XXXX W2 from XXXX Provided XXXX and XXXX XXXX W2s ; are one in the same company : XXXX XXXX is a subsidiary of XXXX ; Note XXXX I believe already provided Bottom-line ; I am very upset as this matter could have been resolved - prior to me having to forfeit my Due Diligence Fee and Earnest Money of {$8000.00}. Also, being informed by PENFEDXXXX XXXX " that I should not lose '', knowingly and adhering to the customer Purchase Contract.
Moreover, i believe that PENFED has some type of obligation to protect and ensure their customer deadlines are being met in accordance with the home purchase contract to prevent a customer as myself - forfeiting funds and ensure they are meeting the deadlines as prescribed by the purchase contract, as well as being reminded of " time is of the essence '' obligations. It was the intent of my realtor and specifically my intent - that I would be approved upon the back and forth of providing information and agreeing to the additional increase of down payment. - but later find out it was leading to my denial, and the frustration of me losing my hard earn money/savings. Lastly, I ask each and every one of you - put yourself in my shoes and situation " how would you feel knowing you would forfeit {$8000.00}? I am strongly considering of possibly seeking legal action regarding this matter - again, this could have been prevented!! I ask this complaint is filed with the strongest intent of it being investigated while providing me a responsible answer ( XXXX ) : what went wrong ; could it been prevented and how it can be improved for other customers in the future!
Very Respectfully, XXXX
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| 01/29/2024 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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15 usc subsection 1666 ( b ) states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.I recently viewed my consumer reports and noticed some unauthorized credit reporting. These creditors reported late payments on my consumer reports. I never gave written permission to share my transactional history with any third parties including consumer reporting agencies. I was not given the option to opt out of any reporting to any third-party entities. This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( b ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term, consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely on transactions or experiences between the consumer and the person making the report ; The company also violated 18 USC 1028A- aggravated identity theft because I never gave permission to share any information with a third party.
violation of the Fair Credit violation of Privacy Act of 1974 ( 5 U.S. Code 552a ) Reporting Act 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. As you can see there is a need to protect your right to privacy. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer Upon receiving my Consumer Disclosure report from ( 3rd Party Reporting Agency ), discoveries relating to the information provided from said party ( XXXX XXXX ) has reveled a plethora of violations committed by multiple 3rd party affiliate, non-affiliates or any and every entity which may be recognized in addition through further investigation from past, present and future furnishing of my nonpublic private information. These are issues I wish to address due to all parties who may have breached the of terms and agreements leading to have adversely effected my rights under the Fair Credit Billing Act. The sharing of my personal information was done so without my written consent. From disclosure of numerous non-public personal information including but not limited to discrepancies, errors, inaccuracies, derogatory marks, all of which etc. The information disclosed to 3rd parties has negatively affected approval and access to credit from certain documents which prove to be valid in detail with this letter. 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Consumer : There is a need to protect my privacy which every company may be in violation of which the terms, conditions and privacy policy are attached with this dispute. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Consumer : They need my written consent to add anything to my consumer report. Since I did not authorize this, it is a violation of the Fair Credit Reporting Act. 82 Stat. 146 - An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit ; by restricting the garnishment of wages ; and by creating the XXXX XXXX XXXX XXXX XXXX to study and make recommendations on the need for further regulation of the consumer finance industry ; and for other purposes Consumer : This is law that backs the code and is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Consumer : Reporting Transaction history is illegal. XXXX XXXX XXXX is in violation of reporting my transaction history. Request made by the consumer via telephone has been denied due to claims that permission was granted from such companies of which the consumer is an active or former member. Examples of financial institutions XXXX XXXX Services claim the information gathered prior to my request for the Consumer Disclosure Report, may be but not limited to, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. and XXXX XXXX. All of which I am a current member of their services. All current and former affiliates who may have given information without my permission such as but not limited to, the reporting of my transaction history, do not have my permission which are all violations and request immediate change of status to removal or paid as agreed. In Terms and Agreements attached of the institutions of which I am a current member, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Consumer : No adverse item besides the conviction of crimes should be on my report and any item that is a derogatory mark is not allowed into consumer reports. In the event that XXXX XXXX continues to attempt to justify keeping transaction history in cases where they believe were granted permission ( which they do not ) from any entity with my nonpublic personal information, all the disputes I request to be removed are considered derogatory marks which have and may have resulted to negatively effect my credit score. 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Consumer : By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, XXXX XXXX XXXX are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; Consumer : I have filed more than 1 complaint, in fact multiple complaints against numerous agencies with the CFPB which either remain in dispute pending a response or continued refusal to remove reports in which have already been put on record with the CFPB with the necessary evidence to prove disputes in claim. This is a violation of willfull noncompliance understanding of the violations after my complaints were made the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Consumer : if the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. They are still liable for correcting these violations which have been made clear in this complaint if in fact their actions or lack thereof was due negligence. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Consumer : I have notified the consumer agencies that there is inaccurate information. They must immediately stop reporting that information until they can prove that it is valid which continues to be denied. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 5 U.S. Code 552a - Records maintained on individuals ( n ) Mailing Lists. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to require the withholding of names and addresses otherwise permitted to be made public. Consumer : All inquiries on my report using my name and address given to nonaffiliated 3rd party entities that may have been sold for marketing and/or promotional purposes was done so without my permission which is a violation. If inquiries not from an open account on credit report they must remove inquiry. If continued refusal to remove all inquiries from my report, all agencies must send documentation that was used to verify I have an open account with any and all agencies in question. 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Consumer : XXXX XXXX XXXX has denied my requests to opt out of the disputes in my Consumer Disclosure Report. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law Consumer : Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802. Any information that wishes to be added to my report will not be permitted without my notification, consent and approval. Any and all private information will be presented to me prior to my decision to approve or deny any and all to be added to my report.
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| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Complaint against Pentagon Federal Credit Union ( Penfed ; PenFed ), XXXX, XXXX, and XXXX : Investigation by Pentagon Federal Credit Union took more than 30 days from my opening of a direct dispute on XX/XX/XXXX.
Investigation by Pentagon Federal Credit Union took more than 30 days from XX/XX/XXXX, XXXX Credit bureaus did not update reports during these periods stating that the information was being disputed with PenFed; perhaps PenFed violated FCRA by failing to contact the credit bureaus to inform them of these disputes. Credit reports were not provided to me during these periods.
I was not notified timely of investigation status or results.
I was not provided with any names of people contacted and other elements, etc. connected to these investigations per the FCRA 's definition and requirements of an investigation.
Their investigation did not fix the many inaccuracies that I pointed out to them on my report, which they have inaccurately reported for years. Please see the emails from XXXX PenFed executives and their remarks acknowledging the inaccuracies ; the timeframe ( longer than 30 days - months even ) that has passed and yet no removals have been made per FCRA.
I've had difficulty submitting disputes or getting information about a dispute over the phone with credit bureaus.
I realized during the summer of the pandemic that my Penfed credit card account had some serious inaccuracies and reporting issues. I then realized the reason for my credit denials and high interest rates for any credit that I could obtain since XXXX and high insurance premiums. For almost two years, I have disputed inaccuracies across the 3 bureaus and directly with Pentagon Federal Credit Union for my credit card account ending in XXXX. There have been instances where they suppressed my credit report so that I could not see the years in question whenever I pulled the reports, therefore I could not resubmit a dispute because there was no item listed to dispute. There are many violations per FCRA on this account due to it not being reported 100 % accurately. It has been happening for years and they willfully refuse to do anything about it. The bureaus have stated that they report the data that Penfed supplies to them. There have been times where there were different balances reporting at the XXXX bureaus and I had to dispute those to have them all updated. There have been different account statuses over the years where one would say " pays as agreed '' and another would say " Late over 30 days at least 6 times '' or " Current, was 90 days past due '' during the same reporting period. The date account opened and date account closed do not match on the 3 bureau reports either. Each time I have disputed the account with the bureaus and with Penfed directly, they send back the same response, that the account is reporting accurately. If the account is reporting 100 % accurately, why are all of the account statuses, date opened, date closed, amount of days late, amount of times late, etc. reported differently with all XXXX bureaus? I have submitted copies of my credit reports from the 3 bureaus and a table showing the inaccuracies to the bureaus and Penfed and they still say that this is 100 % accurate and have willfully chosen to keep the information the same. My credit and opportunity for any new credit has been ruined due to this XXXX account. In XX/XX/XXXX, I received a subprime auto loan due to these inaccuracies and the reporting of this account. I have had to pay astronomical interest for this car loan due to the inaccuracies and the way in which this account is reporting. I am certain that my XXXX insurance rates were even higher due to this as well.
Penfed has instructed the customer service representatives via notes in the system that they are to refer me to the executive team for this matter and they can no longer work on this case or give me updates as it is out of their hands on the lower level. Customer service reps have told me all that they see in the system is a note that says the items will be deleted, but there is nothing they can do because it is an escalated item. The thing is, none of the executives are available by phone ; they are avoidant, delay the process, dishonest, not engaging and not interested in resolving this matter. I have emailed the CEO of Penfed and he promised me that they would submit an XXXX XXXX XXXX to the credit bureaus in XX/XX/XXXX to resolve the matter. It is XX/XX/XXXX and nothing has changed except the bureaus have made unauthorized alterations and modifications. I have been rerouted to another PenFed executive, XXXX XXXX and he is always out of the office, on another call, on vacation, or awaiting someone else in the department to give him an opinion when he is the decision maker. He told me over the phone that he could bring remedy to this when there were damages that were discovered. He clearly sees them via the credit reports and charts that I compiled and sent to him via email and the CEO does as well, but they refuse to resolve it and compensate me for the violations. Over the years, I have been denied credit by Penfed and other creditors because of this account. On XX/XX/XXXX, I called XXXX and XXXX because XXXX bank told me that they could not increase an existing tradeline for me because there was a note on the Penfed account stating that I was late. I was not late and had not been, and could not see that note on my personal consumer reports. Subsequently, XXXX Bank closed down the account which was in perfect standing with excellent payment history. On XX/XX/XXXX, Penfed denied me for a personal loan due to this account which is housed with them. However, they are always emailing and mailing me advertisements as if the opportunities are open to me.
After several disputes and calls, and being told by PenFed and the 3 bureaus that the account was 100 % accurate I filed another dispute directly with PenFed via email to XXXX on XX/XX/XXXX. ( attachment ) I told them that they could not do a hard or soft pull on my credit to check the data, as they should have an accurate record and archive of what they have reported to the bureaus on file.
Despite me sending an outline of the inaccuracies and violations attached to the email, on XX/XX/XXXX ( 45 days later ) I received a response letter via postal mail that said the account was accurate and they will continue to report it as-is. I'd compiled a chart to make it easier for them to see where the inaccuracies lie, hoping this would make the process go better and faster. If they were reporting 100 % accurately as they continue to state, why do each of the bureaus have different information and why does none of the information match for the months/years, statuses, and dates in question? ( response letter attachment ) Also, Penfed did not notify the bureaus that I was disputing the information that they continued to report during this time. I received no correspondence from the bureaus regarding the matter, and no copies of my credit report during this period. No notices were included, stating that I was disputing this information.
In XX/XX/XXXX, I emailed the CEO of PenFed, XXXX XXXX. I explained the situation to him since no one else in the institution would budge and any supervisor who was in the credit department was always unavailable according to customer service. His response was boilerplate as well ; stating that they must report accurate information by law. That was my point exactly ; they were not following the law with all of those inaccuracies. He told me that they could not honor my request at the time and that they'd done a soft pull on my credit and saw no inconsistencies in reporting. I specifically wrote them via email in XX/XX/XXXX, and told them that they did not have my permission to do a hard or soft inquiry on my credit report, yet he claims that they did it anyway -- against my written instructions telling them not to.
I filed another dispute with the bureaus and I received responses from them at the end of XX/XX/XXXX, stating the same ; the creditor says the information is accurate. ( credit reports attached ) I noticed that XXXX made modifications to the payment history after I disputed this time, yet they did not remove it from the file ; they reduced the amount of time on each occurrence as if they were doing me a favor, which is again, still inaccurate data! You will see on my chart and previous credit reports before the XX/XX/XXXX dispute results, that XXXX was reporting a certain amount of days prior to the XX/XX/XXXX dispute, and on the XX/XX/XXXX dispute results they modified the time under the " Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports. Still, none of the data matches what the other bureaus have for this account for those same months/years. I was confused as to why they did this.
I called PenFed to follow up and continue to fight for my rights on XX/XX/XXXX. I spoke with XXXX. The XXXX # was XXXX. I was given the extension to the credit dispute department which I was told was XXXX at the time.
XXXX XXXX emailed me back on XX/XX/XXXX and stated that on XX/XX/XXXX, the automated universal dataform was submitted to the bureaus. Penfed submitted an automated universal dataform to all XXXX bureaus to fix the matter. ( email thread attachment ) On or around XX/XX/XXXX, I called Penfed at XXXX p.m. and after XXXX minutes, the representative came back on the line and told me that they were awaiting a confirmation letter from the credit bureaus that the XXXX and XXXX items had been deleted from my report and that I'd receive a letter after that. This was 3 months after the CEO of PenFed told me in XXXX that it would only take 30 days for the process. When I contacted the bureaus, they said that they had not received anything from Penfed except normal data like my payment updates whenever I made monthly payments, and if they had received anything additional, they would have updated the account accordingly.
PenFed reps have given me various case numbers over time after time including : XXXX ( XX/XX/XXXX ), XXXX ( XXXX XXXX, XXXX ), XXXX ( XX/XX/XXXX ).
I received a letter in the mail dated XX/XX/XXXX stating that the new case that was opened by a PenFed representative was closed due to the issue already being completed, however I had no clue as to what issue had been completed! Nothing had been completed or resolved. I'd received no written correspondence or update from PenFed, although the XXXX promised in XXXX that I would within 30 days from the date they'd submitted the AUD to the bureaus.
After receiving the letter stating the issue had been resolved, on XX/XX/XXXX, I pulled my credit reports and XXXX was reporting XXXX late payments, had changed all of the " number of days late '' data and reduced all instances to 30 days, changed the status to " XXXX, was past due 30 days XXXX times or more '' and the status date was still XX/XX/XXXX, but the payment date for that month was reported as XX/XX/XXXX. XXXX deleted XXXX of the inaccuracies and kept XXXX, and the status read as " XXXX, or pays as agreed '' yet the number of days for the instances that they continued to report did not match XXXX 's data reporting or status. I am not certain what process they used to choose which XXXX to delete and which XXXX to keep. The year XXXX was suppressed on XXXX 's XX/XX/XXXX report and I could not view this data. The same thing for XXXX, XXXX instances were deleted and XXXX were kept and they were not the same month or amount of days that XXXX was reporting chose ; none of the account information matched. The year XXXX was also suppressed in this report. Both statuses read the same, " pays account as agreed '' and the status updated date was XX/XX/XXXX. After I expressed that I felt I was being discriminated against, XXXX and/or PenFed even removed the excellent payment history that I had on a PenFed Installment account that was opened in XX/XX/XXXX. When I called them and questioned why they'd removed my payment history from the PenFed installment account, they told me that PenFed could do it if they wanted to. To sum it up, PenFed and the XXXX bureaus did not notify me about these changes. I received no correspondences by mail, no copies of my credit reports, no communication whatsoever. I only knew because I monitor my reports on a consistent basis. The letter that I received on XX/XX/XXXX and these data changes prompted me to call PenFed the next day.
On XX/XX/XXXX, I called PenFed and spoke with a representative regarding the letter that I'd received, which stated that the " issue '' had been resolved. I thought that they'd finally resolved the matter like they promised, but to my suprise my credit reports remained the same after this - not reporting 100 % accurate and with so many inaccuracies, violations, and modifications on this XXXX account. They told me I had to continue waiting and it was an XXXX issue now.
On XX/XX/XXXX, I spoke with XXXX 's dispute department and they claimed that they would remove the late payment reporting due to the inaccuracies reporting on the account across the bureaus for XXXX and XXXX, and instead they deleted my entire account - erasing all of the excellent payment history, eliminating an account as well which decreased my credit score and history. On XX/XX/XXXX, I spoke with XXXX at or around XXXX XXXX., inquiring as to why they deleted the entire account as opposed to the inaccuracies only and they stated that I must submit a letter of verification that the PenFed account belongs to me and that it is accurate! They clearly never asked my permission to report it from the beginning, but now since I've asked them to right their wrong-doing, and challenged their modifications, lack of investigation and refusal to take my evidence as proof of the FCRA violations XXXX they punished me by deleting an account that I've worked so hard to maintain rather than just fix the inaccuracies.
Here 's where Penfed 's major problem may be. In XXXX, I recall Penfed offered me a " re-aging '' program. They told me that they would re-age the account and that re-aging would not hurt my credit. I have done that, but they did not tell the truth. I have paid this closed {$17000.00} tradeline account down to {$2200.00} in less than 4 years and they have done nothing but ruin my credit and my life since then, and the bureaus have helped them to keep this up by reporting the inaccuracies. They closed the tradeline, did not report the account 100 % accurately, denied me credit and other creditors denied me credit due to this account, and the notes and various statuses that they added to the account over the years. It has been over 6 months since the CEO of PenFed promised me that the AUD would go out to the bureaus to make this account 100 % accurate and that has not happened as the email thread will and credit reports will show.
They have had well over a year to resolve the issue. Attached, you will see credit reports and a chart that show the side by side XXXX comparison of original data reporting and violations. You will also see email correspondences between Penfed departments/executives and me, and you will see current reports that show that they have not resolved this matter and the inaccuracies and FCRA violations are still there. When I have complained numerous times to XXXX and XXXX and opened disputes over the phone, I did not receive a credit report by mail or in any other form. Whenever I called to check the status, I was told that there was no dispute on file. They were using this method to start the XXXX process over again and delay time. I also noticed all of my disputes that have been filed online are missing from the online archives portal in my account. They suppressed my reports and I can only view 2 or 3 years which all show excellent payment history, but a creditor can view every year reported beyond those years and I can not ; nor can I dispute that information if it is not listed. I had to view the reports on XXXX which sometimes I'd get a message saying I could not view the reports at this time. I was finally able to submit a dispute and get a response in XX/XX/XXXX which I spoke of previously.
XXXX now reports a status that says that I have XXXX late payments on myequifax.com, but when I scroll back through the years, all of the inaccuracies from PenFed are still there. When I pulled my current XX/XX/XXXX XXXX report from myannualcreditreport.com, I can see all of the inaccuracies are still reporting and do not match the other bureaus. Previously, they'd deleted XXXX payments and kept XXXX on the report. Now all XXXX are showing again and still do not match the information reported by the other bureaus during this reporting period. Additionally, my PenFed installment account which had excellent payment history was wiped clean of all payment history. They deleted all of my payments and the installment account was never late, was paid off early in XXXX and had nothing to do with this situation. If they must report information accurately, how can they tamper with a positive account with excellent history that was paid and closed 5 years ago and has nothing to do with the situation ; yet refuse to fix the account that is being disputed and has inaccuracies? That is another violation of my rights and FCRA. I want to be compensated for those violations as well, for every payment that is missing from the PenFed installment account, which is dated from XX/XX/XXXX- XX/XX/XXXX. This was done intentionally after I mentioned discrimination over the phone. XXXX and XXXX are still reporting the payments, however some of them are missing as well when they were not before.
XXXX remains the same, reporting inaccurate information. XXXX deleted the entire account based upon the credit reports and chart that I submitted for the second time, affecting my credit score because I lost an XXXX XXXX XXXX account and its history which affected my scoring calculations. All of the bureaus and Penfed have willfully violated the Fair Credit Reporting Act for years, have violated my rights, caused financial loss and detriment. I am still dealing with the effects of it to this day with a subprime auto loan and high insurance premium ; let 's not forget the numerous times I was denied credit opportunities when I, my family and business needed it.
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| 10/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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My fiance and I applied for a mortgage pre-approval with PenFed on XX/XX/XXXX and made an offer on a condo shortly thereafter. PenFeds Loan Officer responded well, got all our information, repeatedly lauded our creditworthiness, and expressed some about our current assets. At no point did they express concerns about the condo building itself. We procured a home inspection and received the condo disclosures required by Virginia state law. I reviewed these thoroughly. Though not stellar, it was clear that the association was doing more than the minimum upkeep and was funding its reserves to XXXX XXXX standards, so we decided to press on with the sale. We were set to close on XX/XX/XXXX.
On XX/XX/XXXX, I called the Loan Processor that PenFed had assigned to us a couple days earlier. We discussed what steps would be needed to progress through underwriting, what documents would be needed, etc. Among the requirements, he mentioned that they needed the condo associations financials. He said they would request them from the association directly, but when I told him I had sat least some of what they needed, he said I should go ahead and upload them. PenFeds applicant portal provides specific places for these documents to be uploaded by the applicant, so I uploaded them in the designated space within an hour of that phone call. In all my subsequent conversations with our Loan Processor and/or Loan Officer, no one from PenFed ever mentioned any concerns about the association or the documents I uploaded until XX/XX/XXXX.
On XX/XX/XXXX, eight days before closing, our Loan Processor called me to warn that it appeared unlikely that PenFed would approve the loan because the condo association was not contributing the required 10 % of its budget to its reserve fund. This was false, and I said as much on the call and in a follow up email. His Supervisor called me later that day to reiterate this concern. I reiterated that it wasnt true, the Supervisor referred to notes left by PenFeds condo review team as jargon that he didnt understand well enough to explain but said that theyd call back the next day with a final answer. The next day the Supervisor called back to offer clarity on the problem : he now agreed that the association was meeting the 10 % requirement. The concern now was that the association had sent its most recent reserve study, which PenFed apparently doesnt request ( but which I had provide on XX/XX/XXXX ). The reserve study concludes that, to keep the reserve fund balance above a recommended minimum amount and fund the recommended improvements XXXX recommends the community increase annual dues to at least {$280000.00} by Year 8 of the study period ( 2029 ). The study does not describe any deferred maintenance at all, makes no suggestion that any repair is overdue, but simply states that, Current reserves do not allow for funding of all the recommended projects on the timelines shown. Deferral of some projects may be necessary if considerable increases in funding are not implemented. For context, current reserve contributions are at about 11 % of the budget, {$73000.00} in 2022 ; the study states that it was at {$68000.00} during the engineers visit.
I noted that the study is not assessing or making a conclusion about only what is needed to fund necessary maintenance and repairs ( i.e. those affecting habitability, safety, structural integrity, per XXXX XXXX ), and that the majority of that significant increase is to cover the cost of the engineers recommended but discretionary work, to be done on the engineers recommended timeline ( which is provided as Appendix XXXX of the report ). Examples of these recommendations include : the purchase of new pool furniture, upgrades to unit kitchens, superfluous repainting, and similar cosmetic or non-essential items. The Supervisor reiterated only that they cant unsee it, despite the fact that they do not usually request it, and that it reflected mismanagement. He said he would call back with a final answer later that day.
The supervisors Manager called me back about 40 minutes later to say that they were denying the loan because the association was unwarrantable under XXXX XXXX standards. I suppose its not her job to be kind, but for what its worth, she was rude, abrupt, condescending, and dismissive for the entirety of the 41 minute phone call that followed. I repeatedly asked for an explanation. I dont expect PenFed to give a mortgage for a unit that XXXX XXXX wont buy, but there is no indication that this association does not meet XXXX XXXX standards. However, she was not able to provide any coherent explanation.
From what I was able to get from her, the Association, in its questionnaire, referred the lender to the reserve study in response to the questionnaires inquiry about its plan for its deferred maintenance components/items to be repairs or replaced. PenFed has apparently interpreted this answer to mean that everything which the study recommends is deferred maintenance or a necessary repair, replacement of the pool furniture included. The Manager repeatedly told me that this association has deferred maintenance, despite no evidence of that in the reserve study or elsewhere, and failed to tell me why she believed that when I asked her to tell me where she was getting that information. Instead, she kept referring to this questionnaire answer and quoting a line from the reserve study : Current reserves do not allow for funding of all the recommended projects on the timelines shown.
The conflation of recommended projects with deferred maintenance/items to be repaired or replaced appears to be at the heart of this dispute. No rational reading of the questionnaire and the study can support the suggestion that the association intended to label all of the engineering firms recommended projects as deferred maintenance under this definition. The study itself does not say that everything it recommends is necessary or that any maintenance has been deferred. Again, the majority of the recommended work is discretionary, cosmetic, or aimed at improving the building rather than maintaining it. It is clear that PenFeds review of these documents was cursory at best, and my conversations with the Manager leaves me fairly convinced that no one ever read past the fist 6 pages of the 47 page reserve study. Ultimately, the Manager made it very clear that, regardless of what was true or false. She then hung up on me.
To me, and to any reasonable reader, it seems clear that Association referred PenFed to this study because this study does answer the question : it describes needed maintenance ( e.g. the water supplier rising pipes will soon be due for replacement ) and it describes the Associations plan to pay for those things ( e.g. theyre are preemptively replacing two per year, two were done as of the study date and 18 remained ). The fact that the study also recommends a great deal of superfluous work does not seem to be relevant. The obviousness of this, and the unreasonableness of PenFeds review, is confirmed by the fact that three other mortgage banks read the same documents and issued mortgages in this property within 60 days of PenFeds decision, including the bank that issues a mortgage on this exact unit to the buyers that bought it after PendFed pulled the rug out from under us at the last minute ( see XXXX XXXX property records, instrument numbers XXXX, XXXX, XXXX ). PenFeds representatives have claimed that they called XXXX XXXX, after they had already denied out loan, to confirm its decision and they were told that this loan was indeed unwarrantable. These property records are proof to the contrary ; I do not believe that call occurred, but if it did then they have clearly misrepresented it to me.
During my several conversations with various representatives of PenFed after this, it became abundantly clear that the underwriting and loan processing teams that was reviewing the Condominium Associations documents were simply unfamiliar with these types of documents or with the terms used within them. This team, up to and including PenFeds underwriting manager, demonstrably lacked the knowledge and training necessary to read and understand these documents or the XXXX XXXX requirements that they were ostensibly implementing. It was evident in some cases that that they simply had not read the documents that they were relying on at all, but rather had skimmed them at best. Perhaps most egregiously, we learned after PenFed had already decided to deny this loan that it had evaluated these documents according XXXX XXXX requirements which have been suspended since XX/XX/XXXX. PenFeds representative expressed surprise to hear this, and requested time to verify that the current requirements, which I emailed to them, were accurate.
We applied to PenFed with the understanding that it was an experienced and competent mortgage lender. Instead, we have found that they were operating under out-of-date XXXX XXXX requirements and without properly trained loan processors. PenFed has made no justification for this decision or for the timing of this decision, and has repeatedly conceded that they could have made it much earlier than they did. I provided the reserve study, which appears to be at the heart of this dispute, to Pen Fed two weeks before they looked at it, along with other condo financial documents. They ignored it until they got the questionnaire, and then apparently rushed a review of the entire package in less than a day. Had they performed their review and flagged this concern on XX/XX/XXXX, we almost certainly could have arranged alternative financing. At the very least, notifying us before we had incurred significant expenses, given our landlord notice that we wouldnt be renewing our lease, etc., would have allowed us to mitigate the fallout. I have repeatedly been asked for an explanation for this delay and repeatedly been rebuffed.
PenFeds most recent letter to me continues to assert The 2022 Reserve Study and 2022 Budget indicated that the Condo Project does not meet XXXX XXXX requirement for it to maintain a minimum annual budgeted replacement reserve allocation of 10 %. This is demonstrably untrue, and they had admitted is untrue ; why they are reverting to this position is baffling to me. This letter further attempts to rewrite history, asserting for the first time after dozens of calls and emails that PenFed did review the documents I uploaded only a week after I uploaded them ( although, if this is true, they flagged no concerns to me at that time ). PenFeds had a duty to perform an honest, good faith review of these documents. Instead, it waited until the last minute to perform a negligent review, and it now rests its decision on information that both PenFed and any reasonable person would understand to be false.
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| 10/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Attn: Consumer Financial Protection Bureau (CFPB) XXXX Department of Regulatory Agencies (DORA)
CCd: Pentagon Federal Credit Union (PenFed) and XXXX
Formal Notice of Complaint
To Whom It May Concern,
I am a homeowner in XXXX County, Colorado, and I am in the process of refinancing my home with PenFed Credit Union, and initially submitted my loan application to them on XX/XX/XXXX.
My initial loan application was done over the phone with a PenFed rep; PenFed and I spoke about home values, agreed upon a reasonable price we thought my home would appraise at regarding Fair Market Value, and continued the application process. The following week I found out I was Conditionally Approved pending verification of various documents etc as well as an appraisal.
An agreed-upon target date of XX/XX/XXXX was proposed by PenFed as a conservative closing date, with my rate lock (which I opted for on XXXX/XXXX during the application) expiring onXX/XX/XXXX. All parties agreed this refinancing could very reasonably move more quickly and potentially even close before XX/XX/XXXX.
PenFed and I continued to work through their internal process, and eventually all that
remained was an appraisal of my property to be done. PenFed arranged to
have a management company send an appraiser out to our property on XX/XX/XXXX.
On XX/XX/XXXX, the appraiser, redacted, came to our property. He was very pleasant
in person, professional, and both my wife and I were left with a positive impression.
During this visit he also mentioned that he was a licensed real estate broker in the
state of Colorado as well.
However - everything from this point forward regarding the appraisers conduct has left
us with the very opposite of our initial impression.
The appraiser did not submit his completed appraisal to PenFed until the afternoon of
XX/XX/XXXX, 5 days following the appraisal date, and I the borrower was not provided a
copy of the appraisal by PenFed until mid-day on Friday,XX/XX/XXXX, 6 days following the appraisal.
I have attached a copy of the initial Appraisal Document to this Complaint.
Upon reviewing the appraisal, it was immediately apparent to me, a lay person, that the
appraisal document was rife with inconsistencies, conflicting statements, omissions, and many other problems that were objectively - not subjectively - in error. Perhaps due to these problems, the valuation of my property seemed to be affected by the appraiser's blatant mistakes.
Upon the insistence of the mortgage processor at PenFed I had been working with for the past month, I rushed on the afternoon ofXX/XX/XXXX to review, complete, and submit before PenFed's close of business a Dispute Form to PenFed.
I have attached my Dispute Form to this Complaint for your review.
In it, I attempted to call out the objective issues I saw that were clearly in error, as
well as what appeared to be the subjective nature of the appraiser's conclusions. The
Dispute Form also asked for 5 comps, and I endeavored to find homes that were extremely close to ours (we live in a relatively large subdivision, with many like homes) and provided those as well.
On Monday XX/XX/XXXX, Tuesday XX/XX/XXXX, I earnestly and persistently followed up with PenFed so as to not lose any time in ensuring my Dispute Form had been received, that PenFed was working with the appraiser's management company, XXXX, to address these issues, and then rectify them in due order. During this period I had my concerns escalated to PenFed's management team, and was told repeatedly that they had not yet heard back from the management company, and by extension, the appraiser.
Finally upon the morning of XX/XX/XXXX, PenFed informed me they had received an updated appraisal. However, upon opening it, I was shocked to see that absolutely none of my concerns had been addressed by the appraiser, and that in his updated Appraisal's "Supplemental Addendum" - literally the only change to the document I could verify - the Appraiser supplied a scant few sentences that addressed only the Comps I had provided, and none of my concerns whatsoever.
I have also attached the post-Dispute Appraisal document.
Both I and the representatives I spoke with at PenFed were highly surprised at this
slow-to-respond, unprofessional and incomplete behavior, not once, but now twice from the appraiser and XXXX.
Upon hearing few options of recourse from my contacts at PenFed, I drafted a Notice of
Complaint, issuing forth a summation not dissimilar from this Complaint, explaining my
reasonable and legitimate concerns surrounding the quality, competency, and accuracy of the appraisers and XXXX work. I set concrete and absolute expectations that should this dispute not be rectified by the close of business on XX/XX/XXXX, I would be submitting my grievances to both the Consumer Financial Protection Bureau, as well as the Colorado Department of Regulatory Agencies.
I have also attached my Notice of Complaint.
Upon sending this complaint, I had no contact from PenFed until the end of day on
XX/XX/XXXX, upon which an escalating manager simply indicated she had forwarded this
complaint to her management team. I decided at this time to allow for another day's
leeway to ensure this complaint was received by XXXX and by extension the appraiser, and provide an opportunity for him to rectify the manifest errors and problems with now- twice unprofessionally-done appraisal efforts.
On Friday,XX/XX/XXXX- only a week out from my scheduled closing date at that time - by
the afternoon I had not received any contact from PenFed. I therefore called the manager I had been speaking with, only to find she was out of the office and gone for the weekend. I then dialed the next manager she indicated on her voicemail message would be the person to contact for immediate assistance, and too learned this person was also out of the office for the weekend.
I then called PenFed's main number and was transferred multiple times until I was
ultimately connected with a "Mortgage Resolution Ambassador" her title per her email
signature - to attempt to resolve this. This individual has refreshingly been both helpful and prompt to respond to my concerns, but is clearly limited in the scope that she can assist me. Nevertheless I calmly explained my concerns and the problems I was having, she then asked me to forward to her both my initial Dispute Form as well as my Notice of Complaint, and she assured me she would be reviewing these issues ASAP and finding the right people internally at PenFed to ensure that they were advocating for me, the borrower, to XXXX, the management company, to review and respond to my concerns as necessary.
I again shared with this woman my concerns about timing and rectifying these issues prior to the scheduled Closing Date as well as the expiration of my Rate Lock. It is imperative that this refinancing closes no later than XX/XX/XXXX, and funds are disbursed no later than XX/XX/XXXX, for a number of reasons, not the least of which is my youngest child, who is XXXX, requires XXXX and I must finance the XXXX through the proceeds of the refinancing.
I allowed for the idea that no progress would be made over the weekend of XX/XX/XXXX and XX/XX/XXXX, and since Monday, XX/XX/XXXX, have been following up with this woman on a documented, consistent, professional, and regular basis to ensure this process would not be delayed.
By mid-week it was clear that the management company, XXXX, had made no progress in addressing my concerns and was sharing no information with PenFed and leaving me, the borrower, in an untenable position. I continued to express my concerns directly to the mortgage resolution ambassador, and have been attempting throughout the week up to and including today, XX/XX/XXXX, my originally-scheduled closing date, to resolve these issues.
As of the writing of this Complaint, the afternoon of XX/XX/XXXX, I have received no
resolution to my concerns or complaints and at XXXX MDT (local time) received a quote in email of a response forwarded to me by Penfed, from either XXXX or the appraiser, stating "I was hoping to work on today, but I am going to need until tomorrow to take the necessary time to go through the rebuttal and respond to it. Thank you for your patience during this busy time."
Let it be known that at no time have I attempted to engage in any unprofessional or uncalled-for contact with the appraiser; our only interaction was when he visited our home for his appraisal.
I am absolutely shocked, as well as materially harmed in multiple and significant ways,
by the callous disregard and ineptitude I have suffered by this process.
As I have been informed by PenFed, due to federal regulations my closing cannot take
place until next week at a minimum, and at this point that would only happen if I were to
accept the appraisers and XXXX incompetent work as a true statement of fact,
which it is verifiably not. Moreover, to add insult to injury, I am forced to pay $XXXX for
the appraiser and XXXX incompetent and harmful work, that they apparently
have no obligation to ensure is correct and reasonable.
My only recourse at this point - having exhausted all other reasonable avenues - is to
begin the Complaint process both with the Colorado Department of Regulatory Agencies, as well as the Consumer Financial Protection Bureau. I have allowed for both PenFed and XXXX, and by extension the appraiser, many opportunities to resolve these issues fairly and directly, but have been failed by these parties at every turn to rectify these problems in a reasonably expedient manner.
While I am dismayed that this is the course of action necessary to me, the borrower, at
this time, I feel I have no other course of action but to pursue remedy to the utmost of
my ability.
Thank you for your consideration.
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| 08/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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People with knowledge : XXXX XXXX, Analyst ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage Loan Processor XXXX XXXX, Team Lead ; PenFed XXXX XXXX, Senior XXXX of XXXX XXXX XXXX, Agent ; XXXX XXXX XXXX XXXX XXXX, Team Lead-XXXX ; XXXX XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and husband XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Agent I went online and filled out an application for a mortgage with PenFed on XX/XX/2022. I then called the 800 number to follow up and was connected to XXXX XXXX. She went over my application and then sent me a preapproval letter for a 30 year fixed conforming loan. I made an offer on a home using the preapproval letter. On XX/XX/2022, I received an email from XXXX XXXX stating he was my loan processor. According to that email my application was received XX/XX/2022, XXXX was assigned on XX/XX/2022, the remaining key steps for home ownership were credit approval, final approval, and est. closing of XX/XX/2022. As soon as I received the email I went online and esigned/submitted documents. After XXXX " ran everything through underwriting '' he said everything looked good. Throughout the process I was very responsive with answering any questions, replying to emails, submitting all requested documents, etc. I was told that I would have to sell my then current home in order for the loan to work and to have the funds for down payment. XXXX said the loan could be closed the same day they received the settlement statement from my home.
I was asking for an earlier close date due to my being a XXXX and wanting to move before I returned to XXXX. The closing date was changed to XX/XX/2022 after XXXX assured myself and my agent that everything was in order and good to go. A preliminary HUD statement was sent to XXXX XXXX on XX/XX/2022 showing the information from the sale of XXXX XXXX XXXX XXXX XXXX I received disclosures for my loan from PenFed on XX/XX/2022 and signed them.
The closing did not happen on XX/XX/2022 however due to the sellers getting XXXX. The new closing date was changed to XX/XX/2022.
On the reassurance of PenFed that they were ready to issue funds as soon as they received the signed settlement statement, I closed on my XXXX XXXX XXXX property on XX/XX/2022. XXXX was sent the settlement statement by my agent at XXXX XXXX XXXX on XX/XX/2022.
At XXXX XXXX, Thursday, XX/XX/2022, XXXX sent an email to XXXX XXXX saying he was getting us submitted for final approval that morning. At XXXX XXXX on XX/XX/2022, I received a personalized Closing Disclosure video in my email. So, I thought everything was fine with the loan because not one person had let me know anything otherwise. I was surprised at XXXX XXXX, XX/XX/2022, when XXXX XXXX sent an email to XXXX and cc me asking for an update and the clear to close for the following day. At XXXX XXXX XXXX responded in email saying he was in a meeting but underwriting is working on reviewing the loan for final approval and that he had requested an update from underwriting.
After several more attempts to reach out to PenFed by myself, my agent, and XXXX XXXX we received no responses or updates.
I then received the Closing Statement from XXXX on XX/XX/2022 at XXXX XXXX. I thought they had gotten the information from PenFed and that we were good to go to closing at XXXX XXXX on XX/XX/2022, but I was wrong. Apparently, no one from XXXX or XXXX had not been getting any response from PenFed since the last email XXXX sent to XXXX at XXXX XXXX on XX/XX/2022. I began calling franticly trying to reach someone myself. Calls were sent to voicemail, no emails were returned ; PenFed seemed to just disappear off the face of the earth.
I finally spoke with XXXX XXXX on the afternoon of XX/XX/2022 after my closing time. She informed me there was a glitch in the underwriting system and IT was looking into it. She apologized that no one had gotten back to me or informed me, or anyone else, of the problem. She said this was of high priority and would be resolved quickly.
At XXXX XXXX, XX/XX/2022, I sent an email to XXXX XXXX asking for any updates. At XXXX XXXX, he replied with, One of our managers called and left you a voicemail, can you please return her call? She has the update for you. XXXX XXXX XXXX I responded to this email and said I did not receive a voicemail and could he provide me with the contact information for XXXX. I had attempted to call the number in his previous email at this point and it kept prompting me to put in an extension number of the person I was trying to reach. He never responded.
I ended up calling the generic 800 number to try and see if I could get an extension number for her. I was told they couldnt provide that information but that they would send her a message letting her know to call me. XXXX finally called me about XXXX XXXX XXXX on XX/XX/2022. I told her I wanted to have my friend, XXXX XXXX on the call and she agreed. I called XXXX on 3-way. XXXX then said that she needed a moment to review my file because she had just gotten it 30 minutes prior to her call to me. As she began going through it she said that there were notes and documents missing and that she could not tell me anything about what was going on. She said she would be reaching out to her team and that she would get me an update as soon as Saturday and the latest Monday, XX/XX/2022.
The only update that we received on Monday, XX/XX/2022 was that they were continuing to work on approval and we would be informed as soon as there was information.
On XX/XX/2022 at XXXX XXXX, XXXX XXXX sent an email to an email string and said ; Hello all, I just received an update from our underwriting manager and she advised we will have an update by end of business today, the file is still currently in review. I do apologize for the lack of communication I was out of the office Friday and was just updated yesterday on the status. Once I have an update I will be sure to let all parties know.
On Tuesday, XX/XX/2022, XXXX XXXX called to tell me what the underwriters were requesting for additional documentation : Lead based paint discloser, statement for a new account that wasnt new, the HUD settlement statement from the home that was sold on XXXX XXXX, my HR contact information so they could verify my employment, and 2 other documents that she said were in my file because she put them there herself, and an updated payoff letter for XXXX XXXX with said per diem on it. I pointed out the Lead Based paint discloser was in the buyer agreement and sent her a PDF of just that page, the HUD settlement statement was sent to them on the morning of XXXX XXXX, verified that I didnt have any new accounts. I called XXXX XXXX and had to speak with a manager to get a letter that stated per diem because they use an automated payoff system to generate letters and sent that to her that evening.
XXXX sent everything to underwriting and verified they had received it by the next morning. XXXX requested that the closing date be extended until XX/XX/2022 to give them time to get everything prepared. The sellers agreed and the new closing date was set for Friday, XX/XX/2022.
When I requested an update on Wednesday, XX/XX/XXXX, I was informed that they were just waiting for an underwriter manager to review and sign off. My understanding is that no one opened the file that day.
The next time I received a real update was on Thursday, XX/XX/2022. XXXX called me to say that underwriting was asking for an additional 5 % down in addition to the 20 % I was prepared to put down. As she was reviewing the notes from underwriting, she realized that there was a discrepancy in the numbers that underwriting had reviewed. She said she was going to contact them immediately and let them know of the incorrect information.
Again, I received no communication until I spoke with XXXX XXXX on Thursday night. I had a group call with XXXX and XXXX XXXX and XXXX XXXX. XXXX informed me that if I didnt put an additional 5 % down, {$12.00}, XXXX, that they were going to issue a denial letter. She could give me no reason for the increase in down payment except to say it was the loan to value ratio. I asked her to tell me exact numbers and she again quoted me incorrect information that was in my file. I told her the information was still incorrect and she said she would have to go back to underwriting with the correct information. I also asked her verify loan product and terms because I had been told by XXXX and XXXX that somehow my loan product had been changed at some point and the loan rate I locked in at had also been changed without my permission or knowledge. She told me the loan product and rate were correct. When asked about the previous disclosures that had been sent to me and signed by me, XXXX responded with they had been sent out prematurely and that they could not honor those numbers.
As of yesterday, XX/XX/2022, I received an email from XXXX at XXXX XXXX. She stated that she got clarity on my question regarding the increase in down payment from 20 % to 25 %. She said the loan to value needs to be at 75 % for them to do the loan. I responded that at 25 % down it puts the loan to value ratio at 68.61 %. Her response was that they use the purchase price of $ XXXX.
My contract with the sellers has now expired. I am in breach of contract and am now open to being sued because PenFed did not do what they were supposed to do. I have sold my property based on the information they provided to me. I am now in a lease-back until XX/XX/2022 but I currently have no where to go. I am basically XXXX and feel that PenFed is trying to extort more money after they already had agreed to loan terms and sent disclosures.
|
| 01/30/2024 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Pentagon Federal Credit Union ( PENFED ), including its affiliated entities such as PenFed Auto Funding LLC, XXXX XXXX XXXX XXXX ( XXXX ) of XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Financials, and all related partners and subsidiaries, is alleged to be engaging in fraudulent activities and tax evasion through substantial misrepresentations. These misrepresentations involve collusion, forgery, intentional omissions, and distortions related to consumers ' credit.
PENFED is accused of falsely claiming that consumer ( me ) owes them money based on an auto loan extended. However, according to PENFED 's shareholder reports, the Credit Union explicitly states that they do not lend money. Instead, it asserts that it extends credit to its members by indirectly originating loans through third parties and by purchasing loans from other lenders. On XX/XX/XXXX, PENFED acquired my retail installment agreement from XXXX XXXX in a consumer credit sale transaction. The acquisition and securitization of my commercial paper securities ( application + retail installment agreement ) occurred for the purpose of obtaining an extension of credit from the United States. This process involved PENFED 's direct broker dealer partner submitting consumer 's credit application, promissory notes, and obtaining cash advances at an par value amount through Certificates of Indebtedness, using consumers ' social security numbers. PENFED exploited consumers ' security interests and continues to do so by mishandling consumer 's indebtedness, securitizing cash advances, in addition to consumer 's monthly receivables.
Due to the Bankruptcy Act of 1933 and the Trust Indenture Act of 1939, all debts fall under the responsibility of the United States per Title 18 USC 8. The term " obligation or other security of the United States '' encompasses all bonds, certificates of indebtedness, national bank currency, FRNs, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress.
This account was intended for household primary goods. PENFED has inaccurately categorized the account as a retail installment agreement when, according to the law, it was a consumer credit sale. Additionally, PENFED has charged off the debt on its tax records.
On both XX/XX/XXXX and XX/XX/XXXX, I, the consumer, sent correspondence via Registered Mail to PenFed Credit Union with the attention to the CEO, and XXXX XXXX, PenFed 's Indenture Trustee. This correspondence was Notice to formally withdrawal of consent to the Special Power of Attorney and the relinquishing of any security interest derived from U.S. marketable securities as well as secondary market exchanges. Additionally, I provided PenFed with an ORDER TO REPAY OUTSTANDING PRINCIPAL OF THE DEBT. This purpose of this Order, which was was indorsed and stamped per 31 CFR, to accurately reflect the credit on PenFed 's backend commercial book-entry system.
In response, PenFed 's collection manager sent me a letter indicating their intention to dispose of my negotiable instrument/commercial paper, and did not return my original leading consumer to believe this was also deposited. According to XXXX XXXX XXXX Sections XXXX, the debt is discharged. PenFed 's is in Dishonor, per XXXX Part 5, and also constitute a breach of their membership agreement covenants. The membership agreement explicitly states that any member can withdraw PenFed 's power of attorney, and any consent granted under the agreement, i.e., custodianship holding consumer 's dividends for safe-keeping. Their membership agreement also states that under the Master Account ( that they created on my behalf that I don't have access to ), the subaccounts will earn dividens.
Furthermore, PenFed is alleged to be in violation of XXXX Article XXXX and XXXX XXXX XXXX. The Retail Installment Agreement specifically sates in paragraph 2 ( c ), that the purchase money loan agreement/credit sale " secured payment for all amounts owed in the contract. '' According to 16 CFR 433.1, a retail installment agreement is indeed a credit sale, especially since the consumer 's social security number was utilized in the transaction. Moreover, CONGRESS classifies this type of transaction as a credit card. It is noteworthy that PenFed 's shareholder reports explicitly state that the extensions of credit ( the collateral ) may take the form of " PROMISSORY NOTES '' and " Letters of Credit. '' Despite these facts, PenFed continues to pursue payment for the debt of a vehicle when the debt was already perfected.
Despite investing considerable time on the phone in attempts to resolve the issue with PenFed 's customer service, their wealth management partner XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, my efforts have been in vain. PenFed continues to insist on payment for an alleged debt, yet they have not furnished me with a genuine FULL copy of the original agreement executed by all parties with wet-ink signatures. The copy provided was incomplete, with missing pages and the inclusion of additional pages that I had never seen before. Additionally, they have failed to grant me access to any master account/consumer account associated with the securitization of the credit sale agreement.
PenFed has not provided consumer with official treasury forms that were filed under consumer 's social security number. Consumer reporting agencies ( XXXX, XXXX, and XXXX ) hard inquiries prove consumer credit was pulled. By the rules that govern PenFed and it's affiliates under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3, PenFed is bound to follow all guidelines when offering retail installment agreements, and per the contract, as a consumer my rights can be asserted at any time.
The debt securities, along with all associated rights, title, and interest, have been sold to other companies. PenFed, acting as a servicer, is not allowed to genuinely collect since it transferred the liability to its subsidiary, PenFed Auto Receivables Funding, LLC. According to PenFed 's annual shareholder report ( pg. 52 ), the credit union bundled consumer commercial paper securities, including all related rights, and sold them to PenFed Auto ReceivablesFunding, LLC as part of a securitization process. The latter then sold the portfolio of receivables to PenFed Auto Receivables Owner Trust XXXX ( XXXX XXXX ), an asset-backed securities issuer trust.
XXXX XXXX utilized the purchased receivables as collateral for issuing notes and residual certificates. As indicated in PenFed 's shareholder report, the Credit Union serves as the sponsor and servicer of the underlying collateral, but it no longer owns the obligation resulting in PenFed having no rights to payment or to repossess vehicles. Additionally, SEC filings and Fitch Rating reports reveal that tranches of " auto loan receivables '' are being sold to numerous investors on public exchanges, and consumers have not received any value in return for this exchange.
On XX/XX/XXXX consumer sent Notice to PENFED ( CEO, general counsel, and securitization agents ) again revoking their authority of consumer 's security and ordered to transfer the proceeds to consumer 's bank account with the U.S. Treasury. PENFED collection manager replied to this notice stating the debt is owed and that the vehicle is the collateral. Per the Securities Exchange Act, collateral can only be in the form of SECURITIES ( not vehicles ).
The consumer, as the bona fide purchaser, holds the right to residual returns, as indicated by statements bearing consumer 's name detailing book-entry securities and residuals from derivative certificates apparently hedged with partner companies. In SEC filings, PENFED 's affiliated companies affirm that the consumer is entitled to claims and rights, being a bona fide purchaser for value or an actual secured party with a perfected security interest according to applicable state law.
Under the IRS rules regarding 1099c,1099oid & 1099a, companies must provide consumer with a copy of appropriate 1099c for accurate IRS reporting for any debt over { {$600.00} }. PenFed has not provided copies of the IRS forms filed with the U.S. Treasury and it does not appear that they are filing the proper taxes with IRS. It appears from my consolidated statement this account may be classified as an IRA, which clearly it is not. According to PENFED 's shareholder reports the debt discharged amounts as gains on extinguishments, and the monthly receivables as GOOD WILL.
Due to PENFED 'S non-compliance consumer will have no choice but to file Form 211 along with other applicable OMB IRS forms under filing IRS with the treasury to audit consumer 's account to make sure accurate reporting and taxes are rendered, along with all OMB IRS forms needed to conduct an audit on consumer account.
Due to the recent change in consumer laws please serve this as NOTICE that upon a VALID PROOF OF CLAIM notarized under penalty of perjury, consumer refuses to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account, i.e. PENFED 'S internal Master Account. PenFed is to immediately stop any reporting until said company provides all information under the penalty of perjury for documentation.
|
| 12/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
This Complaint is about : XXXX XXXX XXXX XXXX PENFED ) in regard to its BANKING MISCONDUCT AND DISCRIMINATORY PRACTICES PERPETUATED CONTINUOUSLY AGAINST ME BY ITS BANKING TEAM For the past one month and 11 days, I have made provision to cover an ACH that was returned because of an issue that arose while I was out of the country around the XX/XX/XXXX.
While I was away, I received no email to inform me of this problem, and it was when I called my other bank that I notice that a payment that should have been made on XX/XX/XXXX was not paid and as such, the ACH I made out to PENFED could not have gone through. That was when I was frantically calling and seeking ways to transfer money to this Bank, all to no avail.
Then I also found out that PENFED had already closed my current account! With no warning, no valid process, no due process, nothing!
I was not happy and asked them why they would consider closing an account under such pretext.
Notwithstanding, I started a wire transfer from XXXX to cover this amount. Alas! No way! The Bank is refusing to take the money. It has now been over one month that PENFED had been blocking my attempts to bring this account current since the time that I placed a call to them on the XX/XX/XXXXabout how to make this payment to them from XXXX.
I want to officially report this bank 's banking team as being prejudiced against me. The circumstances surrounding their continued attempt to sabotage me is why I am making this report so that these can be investigated thoroughly. The banking team led by a lady name XXXX XXXX has so far been attempting to create the impression to credit bureaus or to any financial entity that I am owing them and I am unable to pay for more than 30 days so as to destroy my credit.
I have proof of the wire transfer that I made on XX/XX/XXXX from XXXX BXXXX in XXXX that they refused and sent back over a week later on the XX/XX/XXXX The money was returned by this bank.
When this happened, I called this bank to ask why they returned the payment, but no valid reason was provided to me.
As they continued to pass my call around from one staff to the other while I was waiting on the phone for extended periods, they did nothing to resolve this matter.
In some occasion, they will disconnect the call and I would have to call back.
Eventually, I guess they decided to invent a lie and one of them told me that their bank does not receive wire transfer. ( I have a record of this phone conversation ) This staff told me that since he started working at PENFED this past one year, there has never been a wire transfer made from thee bank or into the bank because the bank does not do that.
To this statement I was completely disappointed. There is absolutely no integrity with this organization and there is no length that they will not go to lie to their customers.
Therefore, I requested to speak to a bank Director so that level of staff should tell me what this person had said.
I stated to the staff that they need to reverse the rejected payment ASAP and make my account current as soon as possible. While I was waiting for this senior staff to speak to me, the call was disconnected.
So, I went online and sent the email to a mailbox that the Chairman of PENFED had set up for complaints of this nature. I wrote everything about this case and I expected that the office will respond with along the lines of ethics and integrity, but nothing happened.
This is the acknowledgement of receipt of that email I sent, pasted below : " PFCU Board Chairman XXXX Your message was received.
Your satisfaction is important to us and we strive to make your experience with PenFed enjoyable and worthwhile. We will respond to your email as quickly as possible.
No reply to this email is necessary.
Thank you for giving PenFed the opportunity to serve your needs.
Office of the Chairman of the Board '' THIS OFFICE OF THE CHAIRMAN NEVER RESPONDED TO ME!
Thus, I was forced to call again, and that was when my call was passed to one of the operations managers by the name of XXXX XXXX.
After I had had to repeat everything all over again. this lady responded that she would not accept any more payment for the account because one payment had already been sent back. She blatantly refused to help or resolve the situation and was so arrogant in her conduct.
In their usual manner of acting superior to others, speaking in a deceitfully calm voice, veiled with condescension, an air of autocracy and blatant prejudice, this inept woman was telling me that she as the operations manager will not accept any payment made to pay for the negative amount.
When I found that I was speaking to an uninformed mind, I sought a means to find an someone with some degree of accountability and responsibility to speak to me, but lo and behold, there seemed to be none in the entire company.
I requested for her manager and this XXXX XXXX again told me that the person is busy and that I should provide my phone number so that they can call me.
At this point, I have to introduce another malpractice this company had committed and continues to do : 1. They have been pulling my credit without any valid reason or authorization.
2. They have been misusing and selling my data without my consent or knowledge of such being done. I found out about these things because of the controls that I had placed on my information so that companies attempting to steal and abuse my trust int hem to sell and trade in my personally identifying information ( PII ) can be exposed and disgraced. That was how I found out that this bank had been sneakily abusing my data.
For the above reasons I never want anything to do with this bank in regard to my private information ever again! I also hinted at this allegation when I requested again that the manager should email me because I can not release my current phone number to anyone in their bank.
Then I said again that she should inform her manager to send me an email. Period.
She ( XXXX XXXX ) then stated that the manager will be sending me an email on this matter. That was over 12 days ago. No response had been received from anyone seeking to help resolve this matter at all.
Meanwhile, during the time that I had attempted the wire for the outstanding balance to be sent from my bank in XXXX, and while I was waiting for this money to clear, there was this person who was always sending me emails on how to proceed ; how long a wire transfer can take and other issues like that ( I have attached that email thread to this complaint ). At no point did this staff member said anything to me about the So, there has been a history of such emails communications with this Bank, meaning that they can do so if they want to but if there is a staff member like this XXXX woman, that option can be denied the customer.
I raised this matter with XXXX XXXX but she refused to acknowledge that.
The email always comes with this header : To : XXXX ( Other Losses ) XXXX Subject : [ EXTERNAL ] Re : Penfed Account ( I have also attached copies of these email correspondence with this complaint. ) I am not sure who collects this information but when I reported this issue someone should have contacted me.
So, I am not sure whether the CEO staff who handles that communication did not respond or someone like this XXXX XXXX is part of those manipulating the feedback process that will enable this Bank to address issues of this nature that my portend trouble for them.
I also asked this XXXX XXXX that what is I send an ACH from my Bank in the US, she stated No.
After my call with her, I called my XXXX XXXX - XXXX XXXX XXXX as this payment was very important to me and had them wire the amount again from their bank through a process called BillPay. The transfer was successful, and the money was scheduled to be delivered on XX/XX/XXXX or XX/XX/XXXX.
However, I checked my account yesterday and was surprised that it was still in a negative balance. I called PENFED, and again no sensible explanation could be provided to me. Meanwhile, XXXX XXXX stated that they have processed the ACH, since the XX/XX/XXXX.
PENFED never credited my account.
I have strong belief that this Bank is attempting to steal this money and pretend they never received it.
Obviously, if I had sent the cashier 's check from the XXXX as they initially indicated, which would have been the most stupid thing to do, the check would have also disappeared, and they would have lied that they never received the check and it would have been hard to trace the mail and associated issues with that.
I want the CFPB to investigate these issues because the failure of PENFED 's internal processes and operations to manage this issue had resulted in this public complaint of the Bank and may lead to potential lawsuits in the near future.
This Bank had failed in so many ways and the way I was treated by this terrible staff- XXXX XXXX and others like her who are behind the scenes is disgraceful.
Now, they have withheld a banks wire transfer in the US and has made no record of the receipt of the payment. THIS IS FRAUD!!!
A Bank is bound by rules and regulations and instituting correct procedures and good enterprise governance is imperative to avoid issues of this nature.
|
| 05/24/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
My HELOC with XXXX XXXX XXXX was initiated on XX/XX/XXXX. XXXX XXXX managed the servicing of this and the loan/account number provided was XXXX. I had been making payments through the designated online portal until XX/XX/XXXX when my access to this appeared to be blocked. I was presented with an error message stating my login details were invalid. Believing this was a website issue I gave it a day or two before trying again, but was met with the same error message. I attempted to re-register the account online, however when I entered my account number and last four digits of my social security number the system said it was unable to locate an account. I called XXXX customer care and explained issue and inquired if my note had been sold and/or if it was now being serviced by someone else. The customer care representative stated the note had not been sold, that XXXX were still the servicers and while they had no answer as to why the portal was not working they suggested I mail payment instead. Thinking this would be a one off payment I went into my bank and got a cashiers check ( at my own expense ) and sent this to the address listed the my XXXX payment envelope supplied with the statements. XXXX XXXX XXXX XXXX, MN, XXXX Through the month of XX/XX/XXXX I made several attempts to login to the XXXX payment portal to see if the access issue had been resolved, but was still getting the same error message. Not wishing to miss a payment I decided to initiate paying my monthly loan payment via the XXXX XXXX XXXX XXXX ( XXXX ) bill payment system. I set this up to automatically send out a bill payment check on the XXXX of each month, to the above listed address. The last attempt I made to access the online payment portal was in late XX/XX/XXXX and it was still denying me access ( see Exhibit A ). On or around the XX/XX/XXXX I received via mail, a servicing transfer letter stating my note had indeed been sold to Pentagon Federal Credit Union ( PFCU ) effective XX/XX/XXXX. In this letter it stated that while the note had been transferred, that PFCU does not itself service the loan. The servicer was to remain XXXX Bank and I was provided a new address below for all correspondence ( see Exhibit B ) : XXXX Mail Code XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX As per the new instructions I made XXXX payment via the XXXX bill payment system to above XXXX address. It is worth noting that by the time I was informed of this change I had already made XXXX and XXXX payments. However I had not received any correspondence stating there were issues with the manner in which these payments had been made. In XXXX, out of the blue, I received a letter from XXXX Bank explaining that as per my request they would no longer be contacting me using automated phone messaging services ( see Exhibit C ). I had made no such request and thought this to be highly irregular. I called XXXX customer service and re-confirmed the contact details of my account and at no point during this call was informed of any issue with the account. XXXX 's payment was sent the same way as XXXX and having not heard anything different I believed all was well with the account. In XXXX upon receiving and reviewing the statement I saw the payments for XXXX, XXXX and XXXX had not been applied to my account. Shocked to see this I called XXXX customer service and was told the reason for this was due to an account number discrepancy as a consequence of the loan transfer. More specifically, and contrary to what was referenced in the transfer letter, the representative indicated that PFCU had its own account numbers. The customer service representative assured me that they would be able to apply the payments and correct this issue on their end, but at that time was not able to provide me with an alternative account number. Prior to sending XXXX payment I once again called XXXX to inquire as to what my new account number was. I was told the only account number on file was XXXX ; the same account number listed on the XXXX statement and the same one I have had all along. Not wanting to be late with a payment I sent XXXX check in the same manner as before hoping that the issue would be rectified on the servicers end. In XXXX, as feared, the statement revealed that this issue had not been resolved. I called up XXXX customer service and explained how serious of an issue this was and asked to speak to a supervisor. I was told there was no one available at that time to take my call. Feeling desperate and that I could not leave the issue unresolved for any longer, I called the main telephone number to XXXXs corporate office and explained the issue to the operator who then transferred me to the customer advocacy department. I was assigned a customer advocate by the name of XXXX who I was told would become my point of contact. XXXX explained that her role was to ; audit previous payments on my account ; rectify the current non-application of payments to this and to monitor the account moving forward to ensure this was fully resolved. XXXX also explained that the reason the payments were not being applied was that the loan number used by the new note holder is different from the loan number originally issued when XXXX Bank originated your loan. I asked for this alternative account number but XXXX was unable to provide me with this. I had also noticed that XXXX were now reporting XXXX, XXXX and XXXX payments as unpaid to the credit bureaus. This angered me as I had been told by customer service representatives that my check payments had been received, but not applied to due a supposed account number discrepancy and therefore this was not an issue of non-payment. I spoke to XXXX and explained the situation and asked for this to be corrected and be provided with a letter confirming this so I may use to reverse this on my credit report. I was provided a letter that stated that XXXX was in possession of my payments for the months of XXXX, XXXX and XXXX but these could not be applied due to a different loan number being noted in the check memo line ( see Exhibit D ). However it is worth pointing out that the transfer letter I received from PFCU referenced the same loan number I was originally provided by XXXX ( see Exhibit B ), which is the same account number cited in my monthly statements. Believing that from here the customer advocate would work diligently to resolve the issue I gave XXXX some time to do some research. We touched base a few times through the months of XXXX and XXXX where I was told that she was working with the servicing department and PFCU to fix the problem. In XXXX I received a new statement still showing a growing past due balance indicating that XXXX had still not resolved this issue ( see Exhibit E ). I also received a letter from XXXX XXXX XXXX XXXX notifying me that they had filed a notice of default. In this letter they cite the name of the creditor as PFCU, the servicer as XXXX and the loan number as XXXX ( see Exhibit F ). As of XXXX my credit report shows that XXXX is reporting XXXX, XXXX, XXXX, XXXX and XXXX as unpaid, but XXXX as paid ( see Exhibit G ). This is not what is reflected in the account statements sent by XXXX. It appears that in addition to not applying payments received and withholding my checks, that XXXX is not accurately reporting to the credit bureaus. To this day I am yet to receive any correspondence from XXXX or PFCU regards any new account number to cite when making payments. I hold both XXXX and PFCU responsible for why my payments are not being applied. It is clear I have made all reasonable attempts not only to pay my monthly loan payment to XXXX, but also in contacting XXXX to try and resolve this issue. Please find attached as Exhibit H copies of all the checks sent to XXXX for XX/XX/XXXXto XX/XX/XXXX. This left me feeling helpless as without being provided the correct account number my payments are not being applied and if I do not send the payments I would be defaulting on the loan ; it is a no win situation. Adding to this misery is the fact that these bill payment checks are cleared funds, so I am still out of pocket the loan payments. This issue has had an enormous negative impact on my life. As a consequence of notice of default I am being contacted daily, by phone, email and mail by individuals and companies offering services to help me avoid foreclosure. Additionally my Solar panel provider, XXXX, sent me a letter stating that under the terms and conditions of the Solar contract, XXXX can come to the home and remove these panels believing their assets are at risk. They have also suggested that they would pursue legal action against me to protect their assets. This is all very distressing indeed with me needing to take time off work to try to resolve this and it is starting to take a toll on my health leaving me very anxious. I have had to seek medical intervention and counseling as I struggle to come to terms with the situation. Despite spending many hours trying to resolve this with XXXX, I fear this has gotten out of control and I am requesting that the CFPB investigate XXXXs servicing practices.
|
| 10/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX I put solar into my house and received an XXXX loan from Pen Fed . I never gave any proof of whom I was or anything. Pen fed stated in order to have the loan I had to open an account with them and they would put 5 in it to keep it active. It stayed that way for about 3 to 4 years and at no time was I asked to prove my identity nor was I asked to send them a copy of my license or any document to prove my identity.
I was not happy with my XXXX account so I decided to transfer money into my pen fed account in order to pay a mortgage on a property that XXXX XXXXd XXXX XXXX ladies. I created a username and password and opened my penfed online access account and started the transfer on XX/XX/XXXX for XXXX from XXXX into Pen Fed that is the daily limit. In order to do the transfer they had to make small deposits into the account and all three had to be verified. We received only 2 and without the verification process being completed, they made the transfer. XX/XX/XXXX I also applied for a credit card offer they sent. That same evening I logged into my account and it showed the credit card for XXXX being approved as well as the XXXX was successfully transferred. The next day we needed to transfer the remaining balance into pen fed to make a mortgage payment. I was unable to log in and saw emails asking for me to fill out an online form. I tried a couple times yet it would not go through. Even using different computers and browsers.
I started the calls and had to call in three times and re explain myself three times that day due to the CSR putting us on hold for too long and the automated hold stated they were going to end the call. XXXX XXXX and We finally spoke to XXXX and she stated they needed to obtain verification as they believed I was fraud. They asked me to send a selfie with my face and my drivers license in the same photo in order to unfreeze the account as well as download the XXXX form that is on the webpage. The CSR went through the process to download it online. We tried while on the phone with her and it would not work. We uploaded the photo id and she asked us to wait for a bit to try the online verification form again Unfortunately for Pen Fed their Webpage developer did not put the correct form online. They tried to email me an online portal page which is used to verify my identity. I put in all the information asked and answered the questions and none of the questions pertaining to me and after the XXXX questions it stated I was not who I was. We tried it a couple more times and it would not verify who I was. None of the questions pertained to me.
Friday we called and once again had to tell the story a couple times and spoke with 2 CSR ( XXXX XXXX ) and tying to get them to understand the urgency to get this through to pay a mortgage. She transferred me to a Supervisor XXXX. XXXX said there is nothing he could do and would overnight the XXXX form to me. It should have been here Saturday it did not arrive until Tuesday ) He also then decided to tell me I would also need a copy of a utility bill with my address and name as well a as a social security card copy. I tried to explain to him that I am XXXX and I have not needed my soc sec for over 40 years and my x wife had taken all my personal papers. That did not matter to him.
Next time we call we are told they didnt receive all the documents I had uploaded. Once again I had to give them the document numbers and they found them after putting me on hold a couple times. This time they said they need all the pages of my utility bill front and back not just the first page and they wont accept my IRS Social Security award letter. I needed to upload my XXXX taxes. For my XXXX taxes I put an extension on and I did not have to finish them until 2 weeks ago. I have been ill and have not been in to go down and sign the paperwork nor had paid yet and cant pay now because you are holding my monies. At this point I have XXXX in pen fed and unable to use to pay my XXXX XXXXXXXX XXXX taxes they asked for nor my mortgage.
During the weekend I uploaded a copy of my electric bill and my IRS Social security award letter with my name address and soc sec number. We started calling again on Monday morning speaking with a couple different CSR due to the phone call was dropped ( nobody has EVER called back when a call has been dropped so I am always having to start all over and explain the situation. After going back and forth telling me they didnt receive the documents and then after giving them my confirmation receipt numbers and putting me on hold 3 times they found them. Again they tried to send me the form for the verification link via my email and while on the line I went through and completed it with XXXX it stated it couldnt verify me. I asked to speak with a supervisor due to me having to pay a mortgage with the monies in my account. They transferred me to XXXX. She downloaded the form internally due to Pen Fed XXXX mistake and sent it to me via my email as an attachment. I told her I still had not received the onvernight XXXX form that XXXX said it would be at my home overnight. She stated I needed to choose a word and to put it on the paper and have it notarized. No rules as to what it can or cant be. We did that and uploaded it During this nightmare I have called in about 30 different times to get this straightened however each and every time they talk to me they asked for more and more identity paperwork. I have spent 3 to 4 hours each and every morning since this started to get it resolved. I have also received about 20 emails with the same electronic form for which does not work. Please remember this is after they have loaned me XXXX for my solar and then another XXXX for a credit card without any forms of ID.
I then called penfed again and they stated this time I also needed to upload. Once again they stated I didnt not upload the documents and I had to give them the numbers again but sitting on hold they dropped the call so I had to call in again.The next agent heard the situation and was going to verify the documents were all uploaded.. After investigating they stated they received all but one of the documents and it was being reviewed.
We waited until the next day and started calling again. This time the agent stated we needed MORE documents to prove who I am. They stated they needed all pages of the utility bill front and back as well as a color copy of his social security card. Once again I tried to explain to the CSR that I am almost XXXX years old and have not worked in 30 years and that my x wife had stolen all my personal documents during my divorce. I live in a very rural are and it would take 45 minutes to get to a social security office and it would take over 3 weeks to make the appointment and to receive a copy of my social security. I tried to explain the severity of the monies that were in the account and the monies are to pay a mortgage for a piece of property for XXXX and XXXX of domestic XXXX and due to the issues with XXXX. I had not paid the monies and and I was going to be in default of the loan and have the property forclosed on and it would be on my credit not to mention it would cause XXXX and anguish for the familys we help not to mention the XXXX it has caused me and I am XXXX. They also told me that they dont want to accept my verbal password and woud have to choose another word and have it re notarized. They are being prejudice against me. There are no rules or regulations. In fact my online password to PenFed is almost the same password.
During this nightmare I have called in about 30 different times to get this straightened however each and every time they talk to me they asked for more and more and more and more identity paperwork. I have spent 3 to 4 hours each and every morning since this started to get it resolved. I have also received about 20 emails with the same electronic form for which does not work. Please remember this is after they have loaned me XXXX for my solar and then another XXXX for a credit card without any forms of ID.
We did receive the form that XXXX overnighted to me however it was not until Tuesday and it was a completely different form that the one I was emailed from XXXX. XXXX is very unprofessional and did not help and even made matters worse by sending me a completely different form.
|
| 04/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
Primary Owner XXXX XXXX XXXX Account # XXXX PenFed Routing # XXXX Personal Loan application # XXXX Auto Loan application # XXXX XXXX Card number application # XXXX To whom it may concern, XX/XX/2022 I have been locked out of my account ( can't login ) for since XXXX. For the first 6-8 weeks or so, I was told by various customer service representatives that my inability to login was a technical problem, that the problem had been referred to your technical department, and would be solved soon.
In the month of XXXX, I received an email from you that my personal loan application ( # XXXX ) was approved. I still could not login to my account to finish the acceptance of the personal loan, despite repeated calls to customer service. A few weeks later, I was notified by email that my personal loan application ( # XXXX that had been approved ), was now expired.
I was notified by email ( also in XXXX while still locked out of my account -- that I could now transfer funds between my XXXX XXXX XXXX XXXX account and my PenFed account. Though I still login to my PenFed account, I transferred the necessary funds to pay my monthly bills from my PenFed account using ACH transfer from my XXXX account.
Soon after, I was notified by XXXX that you reversed the transfers I made from my PenFed account to my XXXX account, without a word of explanation to me ( nor did you give a reason to XXXX for reversing the transfers ), after you giving me explicit permission by email to make transfers of fund -- if you would like, I can forward that email back to you. I am actually afraid to look at my XXXX account, knowing that I must have tremendous overdrawn fees.
In early XXXX ( still unable to login to my account ), you notified by email that my auto loan ( # XXXX ) was approved, and that I should login, and accept the terms of the loan. I called your customer service line for the XXXX or XXXX time. This time I was told to upload ID documents, which I did immediately, carefully preserving the ID document reference numbers.
Still, though I tried daily, I could not login. Approximately a week later, you notified me that the auto loan, like the personal loan, had expired.
I signed documents to buy the car from the seller at the time that you notified me by email that my auto loan was approved ). Consequently, I am now in breach of the contract I signed to purchase the vehicle, ( due to my inability to login, and complete the auto loan acceptance form ). In addition, some of my monthly bills are still outstanding because you reversed the transfers from my PenFed account ( that you notified me were permitted by email ).
So I called PenFed customer service again ( the 5th, 6th or 7th time, I lost count ). This time I was told to upload ID documents, which I did weeks ago ( carefully preserving the reference numbers given by your software for the upload of each ID ). Still I could not log in to my account.
Finally, when the seller of the car ( the car for which I obtained the PenFed auto loan that expired because I could not login ) threatened to sue me ( again ) for breach of contract, I contacted you again.
This time I was told I had not submitted the ID documents, so I gave your customer representative the reference numbers I received from your software at the time I had uploaded the ID documents.
After asking me to hold, your customer service representative returned to the call, and verified that I had indeed uploaded all the ID documents requested, and that all the ID had been verified, and accepted.
Then your customer representative told me that the ( real ) problem was that I had conflicting email addresses on my account ( different spellings of what seemed to be the same email address ). After some minutes, he and I figured out that my email address was not transferred correctly by the PenFed software ( copied from one location in your records, to another location in your records ).
The correct spelling of my email address is : XXXX ( my last name has a space in it, so I use a period to represent the space in XXXX XXXX ). However, your software copied this email address to another location in your records as : XXXX ( ie, without the period following my title, and also without the period that represents the space in my last name ).
I explained to the customer service representative that the presence of the periods in my email address should not matter, because all email software ignores punctuation marks in email addresses ( ie, XXXX is the same as XXXX ).
The representative agreed that my it is true that all email software protocols ignore punctuation marks in email addresses, but that the PenFed software does not ignore punctuation in email addresses ( ie, the PenFed software sees XXXX and XXXX as two different addresses ).
However, ( illogically ), the PenFed software does not transfer any punctuation in email addresses when copying addresses from one location in your records to another location ( in your records ).
These conflicting software rules alerted your Fraud department that there was a problem with my account. The original customer representatives I spoke with ( in the first months of my account lockout ) were not skilled enough to determine the nature of the problem, so they forwarded the situation to your technical department to solve.
Evidently, your technical department ( also ) could not figure why I was locked out of my PenFed account, since they never fixed the problem. Perhaps they tried to solve the problem however, they never communicated with me, or with your customer service department. Therefore, your customer service representatives continued to give me an inaccurate answer the many times I called XXXX to say I still could not login ( that the technical department must still be working on the problem ).
The inaction of the technical department left me hung in the same position for months ( ie, waiting for someone at PenFed to fix the problem, or at least give me an explanation as to why the problem could not be fixed ).
Instead, my inability to login was always in the hands of your Fraud department. Months have gone by without an explanation ( or with an incorrect explanation ), causing all the damage to me that I described above.
Your customer representative had the grace to agree with these conclusions, and promised earnestly that he would get the problem corrected by the Fraud department. He assured me that I would be able to login in two more days.
Well, two days ( and more ) have passed.
Can you guess what I am going to say next?
I still can not login!
Therefore, I am : 1 ) still being sued for breach of contract because I can not purchase the car for which I obtained the now expired auto loan from you, and 2 ) I still can not pay the last two + months bills ( nor pay all the bounced payment charges ) because you reversed the transfers you gave me permission to make ( from my PenFed account to my XXXX account ), and because I could not complete my PenFed personal loan documents ( due to the fact I could not login to my account to do so ).
So what would like me to do now?
Sincerely, XXXX XXXX XXXX, MPH, PhD P.S. I should also say that I am seriously ( perhaps terminally ) ill, XXXX for a decade, almost XXXX XXXX XXXX, and this whole debacle is killing me.
I expect my login to be activated, and my personal loan and my auto loan applications to be reinstated so that I can pay my bills ( and so that I can sign the acceptance forms on both the personal loan and the auto loan, resolve the breach of contract suit, and pay my all the overdrafts as well as the overdraft charges on my XXXX account.
I will certainly be most appreciative of your prompt action in this matter.
CC : consumerfinance.gov ; www./ncua.gov ; www.dobs.pa.gov In case you need the reference numbers for each piece of ID I uploaded : Identity Authentication - XXXX Government Issued ID Identity Authentication - XXXX Government Issued ID Identity Authentication - XXXX Social Security Card Identity Authentication - XXXX Utility Bill Identity Authentication - XXXX Other ( ID )
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| 10/19/2020 |
Yes |
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|
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Web |
Servicemember |
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Subj : PENTAGON FEDERAL CREDIT UNION, MORTGAGE SERVICES Dear Sir/Maam, I am contacting CFPB because I believe Pentagon Federal Credit Union ( PENFED ) has mislead me in obtaining financial services through their mortgage department with particular attention to their loan officer and multiple loan processing personnel.
Prior to the first week of XX/XX/2020, I had contacted PENFED two times requesting to speak with a loan officer, neither attempt was ever responded to. On XX/XX/2020, I was put in contact with PENFED loan officer XXXX XXXX. I explain to Ms. XXXX my intention of refinancing my current VA mortgage to get a better rate and payoff some personal debt to better my financial position with two children attending college in XXXX of 2020.
My phone conversation with Ms. XXXX on XX/XX/2020, ended with her stating not to fill out the online loan application, that she was going to contact underwriting to see if she could get this loan approved. Please note that I did not request pre-approval for I already own my home and was not shopping for a new home.
On XX/XX/2020, after receiving a couple of emails from Ms. XXXX, I received an email stating Ok, I have an approval but what is your monthly payment on your XXXX XXXX account? I was then sent a link to e-sign all the loan paperwork and submit other documents as well. I completed the process within 24 hours.
On XX/XX/2020, I received a phone call from VA Appraiser requesting to come appraise my home which was completed on XX/XX/2020. MS. XXXX instructed me to immediately pay for the appraisal because non-payment would delay the closing of the loan. I obtained a Teller Check from XXXX XXXX XXXX XXXX in the amount of {$500.00} and had it expressed mailed for the amount of {$24.00} to XXXX XXXX XXXX ( CK # XXXX ) and it was cashed on XX/XX/2020 at XXXX XXXX XXXX XXXX.
On XX/XX/2020, I had received at phone call from PENFED, it was the loan processor, XXXX XXXX XXXX, advising he had everything he needed for my loan. He further stated he was waiting on the loan valuation report and the appraisal. He followed up with an email confirming the conversation. I informed Mr. XXXX that I received the appraisal and the loan valuation report on XX/XX/2020 from PENFED via express mail. He did not seem to comprehend that fact.
On XX/XX/2020, I was growing concerned on what was taking so long to get a closing date. I sent an email to Ms. XXXX to inquire a closing date. It became clear through this exchange that neither Ms. XXXX nor Mr. XXXX were communicating. I then sent Mr. XXXX an email on XX/XX/2020, asking about the appraisal. On XX/XX/XXXX, I sent both Ms. XXXX and Mr. XXXX an email asking what was going on. Mr. XXXX responded on the XX/XX/2020, email stating he was waiting on the evaluation and the appraisal.
On XX/XX/2020, I sent an email to Ms. XXXX regional supervisor XXXX XXXX, expressing concern over my loan and the lack of response from Ms. XXXX. Mr. XXXX responded on XX/XX/2020, stating he would have Ms. XXXX contact me. Also, on XX/XX/2020, I sent another email to both Ms. XXXX and Mr. XXXX advising both of the conversation between me and Mr. XXXX on XX/XX/2020, concern the receipt of the valuation letter and the appraisal sent to me by PENFED back on XX/XX/2020.
On XX/XX/2020, Ms. XXXX and Mr. XXXX exchanged an email where Mr. XXXX stated this file is currently in the processing que and awaiting transfer by management. Please note that after receiving this exchange between Ms. XXXX and Mr. XXXX that Mr. XXXX was taken off my account and I was told was unavailable due to training.
On XX/XX/2020, I received an email from XXXX XXXX of PENFED advising he was my new loan processor and that I was in Pre-processing as if I was moving in the wrong direction. He promised a speedy process with weekly updates.
On XX/XX/2020, I called XXXX XXXX, the regional supervisor for PENFED and left a phone message as well as sending him an email requesting to speak with him. As of XX/XX/2020, he has never responded.
On XX/XX/2020, I sent an email to the following individuals at PENFED requesting contact information for the President/Vice President of Residential Lending : Ms. XXXX, Mr. XXXX, Mr. XXXX, and Mr. XXXX : As of XX/XX/2020, none of the above individuals have responded.
On XX/XX/2020, Ms. XXXX offer a rate reduction from 2.75 to 2.50 and I took the reduction with expiration date of XX/XX/2020, inline with the original lock-in date. I completed the e-signing within 24 hours of receiving the offer.
On XX/XX/2020, I received a second email from XXXX XXXX stating my loan has been assigned to an Official loan processor, XXXX XXXX. So now the past two loan process have been demoted to Pre-Processing and again more miss-information.
On XX/XX/2020, I received an email from Ms. XXXX requesting numerous documents to include a termite inspection. I had the termite inspection completed and submitted in 5 calendar days at a cost of just over {$1300.00} due in part that if I did not go with XXXX I would have to wait several weeks to get an inspection and therefore would have missed the XX/XX/2020, lock-in for the rate. She also requested other documents and before I could get them all she advised me on XX/XX/202, that my loan had been submitted to underwriting.
On XX/XX/2020, I received an email from Ms. XXXX advising my loan was never approved and that she was waiting for initial approval from underwriting. Three months after submission a loan application through Ms. XXXX who advised she got approval ; I am now being told I was never approved. So, did Ms. XXXX provide false information?
On XX/XX/2020, My lock-in expired and I did not hear anything from anyone at PENFED. I then went to the PENFED website, particular the Chairman of XXXX XXXX XXXX XXXX XXXX, where members may communicate directly with the Chairman of the board, I filled out the form and expressed my concerns and he never replied as the site expressly states to expect a response. I also sent an email to XXXX XXXX of PENFED, he has not responded to my email either. As of XX/XX/2020, I have not received any reply from anyone.
On XX/XX/2020, I received another lock-in agreement from Ms. XXXX extending the process into XX/XX/2020. I executed the e-signing of the documents. On XX/XX/2020, I sent another email to Ms. XXXX and Ms. XXXX asking questions that both have failed to answer concerning my loan appraisal and the title company name and point of contact.
On XX/XX/2020, I contacted PENFED customer service at their 800 number. I was told by the agent who identified herself as a third party that she would have my complaint elevated to the team that handles this type of complaint and that they would be calling me back shortly. It has now been 11 days and I have not received any calls from PENFED.
On XX/XX/2020, I sent an email to Ms. XXXX and Ms. XXXX, concerning this entire process and whether PENFED has any intention of funding the loan. It has now been over 135 days since I officially applied for this loan and Im being told Im getting the loan but it is not approved. I have spent over {$1800.00} and continue to loss money in the form of interest and late penalties for my childrens education. Ms. XXXX stated to me that my loan back in XXXX was being delayed because of new home purchases and that I should expect 6-70 day turn around, again it has been over 135 days.
I have full documentation of over 200 pages and all emails. Please advise where I can mail them since scanning them is impractical. This is a formal complaint and I request to know if there is violation of federal lending laws as I have been led to believe by persons working in the industry. Thank you.
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| 11/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
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I am writing to dispute the recent repossession of my vehicle, [ XXXX # : XXXX ], which occurred on or before XX/XX/2023. This repossession was conducted in violation of several federal laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ) ( as follows below ) :.
I am also writing regarding the discriminatory treatment I have received from PenFed Credit Union and the subsequent illegal repossession of my vehicle. In XXXX, I submitted a Temporary Hardship Application ( THA ) due to unforeseen financial hardship. Despite repeated attempts to inquire about the status of my application, I was never granted any updates or approvals. My pleas for a review of my THA were consistently ignored, and my efforts to resolve the situation were met with inaction. My vehicle was illegally repossessed without any communication regarding my THA or an attempt to work with me to resolve my financial issues. This act of repossession has caused me significant emotional distress, financial strain, and disruption to my daily life as well as loss in employment opportunities to increase income. This is a direct violation of 15 U.S. Code 1691e, 15 U.S. Code 1691c, 15 U.S. Code 13, and 15 U.S. Code 1691.
FDCPA Violations Specifically, I allege that your company has violated the following provisions of the FDCPA : Failure to provide adequate notice : I did not receive proper notice of the repossession. Under 15 U.S.C. 1692g ( a ), debt collectors must provide consumers with a written notice containing specific information about the debt, including the amount owed, the date by which payment is due, and the consumer 's right to redeem the repossessed property. I did not ever receive this notice even after my vehicle had already been taken.
Use of deceptive or misleading tactics : Your company 's representatives made false or misleading statements about the repossession process and the consequences of failing to surrender my vehicle. These tactics violate 15 U.S.C. 1692e, which prohibits debt collectors from engaging in any unfair or unconscionable means of debt collection.
Harassment and intimidation : Your company 's agents used threatening language and aggressive tactics to coerce me into surrendering my vehicle. This behavior violates 15 U.S.C. 1692d, which prohibits debt collectors from engaging in any conduct that the consumer reasonably believes to be the harassment or abuse of, or threat to harm, the consumer or the consumer 's reputation.
TILA Violations In addition to the FDCPA violations, your company has violated the TILA by failing to provide me with accurate and timely disclosures about the terms of my credit agreement. Under 15 U.S.C. 1602, creditors are required to provide consumers with clear and understandable disclosures about the terms of their credit agreements, including the finance charge, annual percentage rate ( APR ), and payment terms. I did not receive these disclosures, or they were not provided in a timely manner.
FCRA Violations I am also concerned that your company may have violated the FCRA by furnishing inaccurate or misleading information to credit reporting agencies about my debt. Under 15 U.S.C. 1681b ( a ) ( 2 ), furnishers of credit information are required to investigate and correct any inaccurate or misleading information in their records. I have not received any confirmation from your company that it has investigated my dispute or taken steps to correct any inaccurate information.
Personal Damages and Adverse Reactions Leaving me without a crucial means of transportation and causing significant disruptions in my daily life.
Loss of Transportation and Mobility : The immediate consequence of this repossession is the loss of my primary means of transportation. This has severely impacted my ability to perform essential tasks, including commuting to work, attending medical appointments, and running errands. I currently rely on costly and inconvenient alternatives such as public transportation or borrowing vehicles from friends and family, which significantly hinders my ability to fulfill my personal and professional obligations. As a result, also as being partially self-employed, I lost several employment opportunities which totaled {$5000.00}.
Financial Strain and Insecurity : Beyond the direct loss of my vehicle, the repossession has also caused substantial financial strain. Not only am I experiencing difficulty meeting my daily transportation needs, but I am also facing a potential deficiency balance owed to the lender, as well as potential towing and storage fees. These additional expenses further compromise my financial stability and contribute to a deep sense of insecurity about my future financial well-being. I have already lost hours due to the removal of work and loss of some contracts, and I have been severely placed in bond because I can no longer travel to work, therefore reducing my ability to make a good living for myself and my family.
Emotional Distress and XXXX XXXX : The repossession has also taken a significant toll on my emotional and mental well-being. I am experiencing heightened levels of stress, XXXX, and XXXX as I grapple with the loss of my car and navigate the challenging financial consequences. It is difficult to remain focused and productive while coping with this overwhelming sense of loss and uncertainty. I have spent several hours in therapy to remedy the stress of potential losses, however, this has damaged the situation so much more.
Social Consequences and Loss of Opportunity : Without a reliable car, I am facing limitations in social participation and the potential loss of important opportunities. I am unable to engage in social activities as easily, attend events with friends and family, or pursue opportunities that require transportation. This social isolation further exacerbates the negative emotional impact of the repossession. As stated earlier, I have missed out on a {$5000.00} opportunity for work which would have brought the account to current prior to being repossessed.
Appeal for Consideration and Support : Given these personal damages and adverse reactions, I urge you to consider my situation with empathy and understanding. I am striving to resolve this hardship and regain stability in my life, but I require support and assistance as I navigate this challenging period.
Demand for Return of Vehicle and Cease of Collection Activities In light of these violations, due to these actions, the repossession of my vehicle was illegal and in violation of the FDCPA. I DEMAND THAT YOU IMMEDIATELY RETURN MY VEHICLE TO ME WITHOUT ANY FURTHER CONDITIONS OR CHARGES! I also demand that you cease all collection activities related to this debt until you have complied with my demands and have cured all of the violations I have alleged.
If you fail to comply with my demands, I will be forced to take legal action against your company. I have consulted with an attorney who is prepared to file a lawsuit on my behalf.
If PenFed Credit Union fails to make any reasonable procedure to resolve this matter and compensate me for the damages caused to employment, and personal livelihood, I will indeed make PenFed Credit Union criminally and civilly liable for all actual damages pursuant to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ).
In the meantime, I am requesting that you send me a written confirmation that you have received my dispute and will be investigating it promptly. I will also be attaching the invoice to compensate me for all the violations and damages caused - ( {$1000.00} ) per violation.
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| 07/29/2022 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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I have been a member and depositor to PenFed Credit Union, " PenFed '' ( originally Pentagon Federal Credit Union ) for over 50 years. This complaint concerns fraudulent electronic fund withdrawals made to my " premium online savings account '' These unauthorized withdrawals were timely reported by me to PenFed ON NUMEROUS OCCASIONS BY TELEPHONE, IN WRITING AND IN PERSON. Nevertheless, at this time the largest part of the fraudulently withdrawn funds, consisting of over {$110000.00}, have not been even provisionally deposited back to my account, although I reported the most recent and still unresolved fraud on XX/XX/2022, by telephone and followed up by written communication received by PenFed on XX/XX/2022. ( See attached copy of letter ) On XX/XX/2022, I went personally into the PenFed branch at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and spent approximately three hours in the office of XXXX XXXX to attempt to resolve the issue, determine if the bank needed anything additional, and to try to obtain a refund of the funds. I finally left with a check only covering the balance of the funds in the account which had not been withdrawn, and a promise that the fraud department told XXXX that I would have the funds redeposited into my account either the following Monday, XX/XX/XXXX, or no later than Wednesday, XX/XX/XXXX, three weeks ( 15 business days ) after my initial report of the latest fraud, which had been on July 6. ( See attached letter sent to PenFed ) The first time this happened was while I was away for 30 days from XXXX XXXX to XXXX XXXX Upon returning, my local XXXXXXXX XXXX contacted me to ask if I had authorized a {$4000.00} electronic funds transfer from one of my accounts. I replied that I had not, and they informed me then that my XXXX account had been " hacked ''.
Only because of the warning from I had gotten from XXXX did I look into and become aware of the much larger amounts which had been and continued to be withdrawn from my PenFed account, beginning the day I left for vacation on XX/XX/XXXX. AT NO TIME IN ANY WAY HAD OR HAS PENFED CONTACTED ME TO REQUEST CONFIRMATION OF NUMEROUS ACH TRANSFERS OF AMOUNTS AS HIGH AS {$98000.00} ( MADE ON XX/XX/2022 ).
PenFed redeposited the first fraudulent transfers covering the period while I was on vacation within 48 hours after I reported them. They then gave me new account numbers and a new member number and said the funds would thereafter be safe. ( a false promise ). Instead, they allowed the hacker to take over my accounts with them, and I received an email informing me that my account setup ( of the new accounts ) had been successful and I would now be able to transfer funds from PenFed to the hacker 's account at XXXX XXXX. I did not set up the new accounts or authorize any transfers to and I have no connections or knowledge of XXXXXXXX XXXX, except that it is the same bank I was told the original fraudulent transfers had gone to, which PenFed had already reimbursed me for. Therefore, I telephoned PenFed, which has no local branches closer than several hours away in New York City, to report this. Also, since the hacker had " set up '' the new accounts, I was unable to obtain online access to my accounts or determine if and how much money had been fraudulently transferred. I was advised by a telephone representative that my balance had dropped over {$100000.00} ( see attached letter detailing my contacts with PenFed and the amounts fraudulently withdrawn.
As of this date, over 3 weeks since I reported the fraud to PenFed and after having confirmed it in writing and in person, I am still owed the amount of {$110000.00} plus interest and costs.
I have called on an almost daily basis and far from receiving my money, my call today answered by " XXXX XXXX told me that the Fraud Department now needs another 30 days to investigate the problem and some documents signed by me. This contradicts what XXXX XXXX told me on the XXXX that I would have the money by Wednesday, XX/XX/XXXX.
It also contradicts what XXXX told me that they had everything including my written statements that they needed to finish their investigation.
As a result, I am complaining to you about the following unfair and misleading and false claims of PenFed, as well as their failure to at least provisionally credit my account within what the Consumer Fraud Protection Bureau says mush be within 10 business days.
1. PenFed never at any time contacted me to tell me they needed anything else to resolve my claim 2. PenFed made false and contradictory statements to me on numerous occasions 3. PenFed, through their " XXXX '', on XXXX XXXX told me they were locking my accounts to prevent further transfers and despite that promise they released another fraudulent transfer of {$8700.00} to the hacker on XXXX XXXX. I consider this to be theft by PenFed which should be immediately reversed and for which they should be punished and otherwise held accountable 4. PenFed should be sanctioned for failing to comply with government requirements to issue credits in such situations within 10 ( in some cases 20 ) business days which has already been exceeded, and for which they now inform me they need another 30 days!
In addition to the costs of an entire day spent traveling to New York City to attempt to resolve this issue and paying for gas, tolls and parking fees, I have paid for XXXX to deliver the letter to them detailing the withdrawals, I have been late with other payments owed because of inability to withdraw my funds, my health has suffered due to the stress of this situation, now going on almost two months, I have NEVER been permitted to speak directly to the " fraud department '', only employees, most of whom are working from at home or remote locations, and have had to be told the details each time I call PenFed, at a waste of my time of generally one hour daily just to find out my balance, since I am locked out of my accounts due to the fraud.
5. I have received numerous emails from PenFed telling me that I have a message, and telling me I had to click a link to read the message. When I click, it asks me to log in to my account, which THEY WILL NOT LET ME DO!! Nor have their " telephone bankers '' been able to tell me what the messages say??? Not only do they not seem to realize that they are sending me something that THEY KNOW I CAN NOT ACCESS, it does not seem like safe practice in such a case to ask me to " click '' any link. ' 6. The telephone bankers do not ask sufficient questions or utilize secondary verification methods to verify if I am the person I say I am when I call in. When I complained of this to one banker, she said she could see that the phone I was calling from was my authorized cell phone. ANYONE should know that the caller ID readout can be easily faked. It is quite obvious that the hacker knows my name, date of birth and social security number, which is all I am generally asked for.
I am requesting that you obtain my funds to be redeposited so that I have immediate access to them and also that the PenFed credit union be sanctioned for such poor, dangerous, inefficient, ineffective and unsafe practices, as well as for misrepresenting so many things to me, for NEVER telling me what else they needed, if anything, to get back my money until today when they told " XXXX '' to tell me they needed something in writing ( which XXXX said they already had ).
My partner, XXXX XXXX, is also a beneficiary of this account and was present at and confirm all conversations, and details stated above. Incidentally, he was also hacked in his PenFed premium online savings account.
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| 10/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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XXXX XXXX XXXX AFFIDAVIT XXXX XX/XX/XXXX RE : SECOND ( FIRST, EXHIBIT 1. XX/XX/XXXX ) SUCH PENTAGON FEDERAL CREDIT UNION ( HEREINAFTER, XXXX ) ILLEGAL TAKING/THEFT, XXXX XX/XX/XXXX : ( A ) FAILURE TO CREDIT {$2000.00} PAYMENT TO XXXX ACCOUNT ( EXHIBIT 5. ) ; ( B ) COINCIDENT WITH XXXX EXPRESS/WRITTEN DENIAL XXXX RECEIVED SAID PAYMENT ( EXHIBIT 5. AND EXHIBIT 6. ) ( DIRECTLY CONTRADICTED VIA UNITED STATES POSTAL SERVICE ( USPS ) XXXX SIGNATURE PAYMENTS RECEIPT ( EXHIBIT 3. ) WITH BANK STATEMENT SHOWING XXXX CHECKS FUNDS PROMPTLY WITHDRAWN XXXX XX/XX/XXXX ( EXHIBIT 4. CHECKS PHOTOS WITH DATE XXXX CASHED XXXX XX/XX/XXXX, ABOUT 24 HOURS POST-XXXX RECEIPT ) ; AND ( C ) IN BREACH OF XXXX MONTHLY PAYMENTS CONTRACT, COINCIDENT XXXX EXPRESS/WRITTEN ( EXHIBIT 5. AND EXHIBIT 6. ) DEMANDS FOR DUPLICATE MONTHLY ACCOUNTS PAYMENTS TWICE WITHIN LAST 19 MONTHS.
TIMELINE PENTAGON FEDERAL CREDIT UNION ( XXXX ) HEREBY ALLEGED {$2000.00} THEFT : ( i ) XXXX XX/XX/XXXX : suspicious credit card {$52.00} transaction XX/XX/XXXX [ XXXX ] /payment XX/XX/XXXX [ XXXX ] appeared on my XXXX XXXX monthly billing statement ( for monthly payment due XXXX XXXX XXXX ) which I promptly reported to XXXX by phone. Said payment was deemed suspicious because no purchase had been made, nor any good ( s ) shipped or received from said company paid {$52.00} from my XXXX XXXX ( hereinafter, " security-breached-XXXX '' XXXX ).
( XXXX ) XXXX XX/XX/XXXX : XXXX stated by phone the suspicious XXXX credit card billing/payment : ( a ) indicated a breach of credit card information security and ( b ) stated said XXXX XXXX credit card is immediately " cancelled '' ( or words to that effect ). XXXX said that XXXX would issue a new XXXX credit card ( hereinafter, " XXXX '' XXXX ) within 5-10 business days. I did not request existing XXXX cancellation ; XXXX mandated said XXXX cancellation.
( iii ) XXXX XX/XX/XXXX : My new-XXXX credit card was received by me via United States Postal Service ( USPS ) mail.
( iv ) XXXX XX/XX/XXXX : I paid {$2000.00} ( check no. XXXX, EXHIBIT 4. ) per XXXX billing statement for security-breached-XXXX account ( EXHIBIT 2. ) and, in same EXPRESS [ USPS ] MAIL, number XXXX XXXX XXXX XXXX XXXX, overnight envelope, {$20.00} ( check payment for a second existing from about XXXXPresent XXXX account ), promptly XXXX credited XXXX XX/XX/XXXX to the respective XXXX account.
( v ) XXXX XX/XX/XXXX : XXXX employee " XXXX XXXX '' signed for said EXPRESS MAIL ( ( iv ) ) two payments ( {$2000.00} and {$20.00} ) attesting XXXX delivery. ( EXHIBIT 3. ) ( vi ) XXXX XX/XX/XXXX : My XXXX XXXX statement includes photographs of both ( {$2000.00}, check no. XXXX security-breached-XXXX ; and {$20.00} no. XXXX ) check payments to XXXX both checks cashed/withdrawn from my checking account on XXXX XX/XX/XXXX but XXXX denies in fraud/extortion receipt check no. XXXX. ( EXHIBIT 4. Bank statement showing XXXX XX/XX/XXXX XXXX checks cashed. ) ( vii ) XXXX XX/XX/XXXX : Received by USPS first class mail a XXXX credit card billing statement due XXXX XX/XX/XXXX showing the new-XXXX credit card number stating said XXXX account ( said account existing a mere 10 days from on or about XXXX XX/XX/XXXX to XXXX XX/XX/XXXX and which included security-breached-XXXX-balance ) was " Account Past Due, '' ( EXHIBIT 5. ) showing no {$2000.00} payment received by XXXX under USPS signature ( iv ) nonetheless cashed by XXXX XXXX XX/XX/XXXX ( ( vi ) ). My {$2000.00} check no. XXXX to XXXX, received by XXXX, cashed by XXXX was unquestionably unlawfully taken, in theft, by XXXX ( ( vi ) ) ; coincident to XXXX further ruining my credit by fraudulently reporting my security-breached, now, XXXX, " account past due '' to Credit Reporting Agencies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) while sending about six ( 6 ) harassing instant messages ( unpermitted by me instant messaging ) to my cell phone re said XXXX-alleged " XXXXaccount past due. '' ( EXHIBIT 6. Photommgraphs of the last three of six XXXX messages illicitly sent to my cell phone. ) TIMELINE RE XXXX EMPLOYEES CONTACTED : ( XXXX ) XXXX XX/XX/XXXX ABOUT XXXX XXXX, XXXX EMPLOYEE, " XXXX, XXXX, EXTENSION XXXX. '' XXXX ADMISSION ( allegedly, " XXXX recorded '' conversation ). Immediate to my receipt of XXXX XXXX billing statement for new-XXXX stating in fraud " account past due, '' on XXXX XX/XX/XXXX, I phoned XXXX and spoke with XXXX employee XXXX XXXX, extension XXXX. '' I explained timeline events and payments ( ( i ) - ( vii ) ), which " XXXX '' verified as both payments ( {$2000.00} and {$20.00} ) being received XXXX XX/XX/XXXX. XXXX promised : ( a ) quick complete correction ( " within 48 hours '' ) ; ( b ) notice to CRAs ( XXXX, XXXX, XXXX ) no " account past due '' ; ( c ) reversed interest rate increase; and ( d ) corrected billing statement showing XXXX XX/XX/XXXX {$2000.00} payment. None, ( a ) - ( d ), were done to date to my best knowledge.
( XXXX ) XXXX XX/XX/XXXX, ABOUT XXXX, XXXX EMPLOYEE, " XXXX XXXX XXXX XXXX. '' I spoke with XXXX XXXX because my cell phone was repeatedly " instant messaged '' with a numeric header " XXXX '' followed by a text message indicating I owed money to some unidentified account ( first 3-4 such messages ) ; later messages ( often several times/day ) identified XXXX as the messages sender and requested immediate action/payment or words to that effect. I never authorized XXXX to contact me via cell phone.
I requested XXXX XXXX correct XXXX payments fraud, as " XXXX, ext. XXXX '' had promised ( viii ). XXXX XXXX stated she had no authority to correct payments errors and after leaving me " on hold '' for about 5-10 minutes while she spoke to " XXXX, ext. XXXX '' XXXX XXXX issue unresolved hung-up this call.
( x ) XXXX XX/XX/XXXX, XXXX EMPLOYEE, " XXXX XXXX, XXXX. '' I spoke with " XXXX XXXX '' by phone XXXX XX/XX/XXXX because I was receiving 2-3 text messages on my cell phone from XXXX within 4-5 hour time period identifying XXXX as the messages sender and requesting immediate action/payment or words to that effect. ( EXHIBIT 6. ) Said messages indicated to me that " XXXX, ext. XXXX '' had done nothing to correct XXXX payment theft of {$2000.00}, despite the fact that XXXX employee " XXXX XXXX '' assured me that all my accounts showed timely payment " backdated '' to XXXX XX/XX/XXXX.
This is the second time ( XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ) within nineteen months XXXX has failed to credit payments on the day payments were received or the day the checks were used to withdraw money from my bank account while denying the payments were in fact XXXX received weeks in advance of payments due date. This is the third time within the past 19 months, XXXX employees have falsified payments and billing data. On or about XXXX XX/XX/XXXX XXXX was notified in writing I had changed my permanent home address to a Massachusetts residence. My XXXX billing statements for XX/XX/XXXX reflected my proper Massachusetts address. Inexplicably, a XXXX employee " supervisor '' changed my current Massachusetts address back to the former Maryland residence legally sold. Therefore, the result was that XXXX knowingly ( after express change of address notice and XXXX express acknowledgment XX/XX/XXXX ) sent my XX/XX/XXXX XXXX billing statements to owners of my former residence. The XXXX-foreseeable-result was that I did not receive my credit cards billing statements prior to payments due dates ; and, most detrimental, strangers received my XXXX billing statements potentially compromising my credit accounts information.
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| 03/28/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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or all intents and purposes " she '' refers XXXX XXXX, the loan XXXX at PenFed Credit Union.
She told me I was no longer approved based on dollar amount on the XXXX.
She Knowingly disclosed me before receiving updated information.
She Never sent correct disclosure.
Told me on the XXXX i wasnt approved when bank statement was sent on the XXXX.
Stated on the phone I gave wrong information only later to say she pulled it from application of previous loan application despite speaking to me on the phone.
Originally told me PenFed does not offer XXXX until I asked for a supervisor.
She stated the guidelines did not allow XXXX.
Now I am told I meet guidelines for the XXXX but not at PenFed. Youre not compliant with XXXX XXXX and have changed the loan conditions.
This is an automated underwriting system so it should be the same result every time.
She consistently changed the terms and misrepresented the products that they offer. I was persistent presenting them with screenshots of their own webpage and the fact that it was updated in 2022 ( since previously loan XXXX told me this was an old post and they no longer offered the product ). I was pre- approved by the automated system for {$100000.00} home. I offered the seller {$100000.00}, and it was accepted, and I gave my earnest money. Then with no change in info, about XXXX days in she says the system says I dont qualify because my debt to income ratio is too high. Then she goes on to say that I gave the wrong info for my income on the application, and what it actually should be. When I finish talking with her and check the original applicationthe only application-it has the figures that she said should be in there, so, it was always there. So, by what method is the automated system that approved me and my debt-to-income ratio now suddenly issuing a disapproval? Why was she even going through the system or application again XXXX days in? I FEEL I was discriminated against and that she has thwarted me at every turn. First she says they dont offer the product. That wasnt accurate. Then the system pre approves me for {$100000.00}. I make and have accepted by the seller an offer for {$100000.00}. The day before I am to deliver my earnest money she says I need XXXX months reserves. She didnt know this based upon the pre approval for {$100000.00} but she knows it a week later based on a lower amount of {$100000.00}?
Say the money was going to be my down payment and closing payment. She lead me to believe I DID NOT need reserves. She actually said it wasnt true when I said a previous loan XXXX mentioned something about reserves. Then after the offer is accepted, a week after we had completed applications, closing amounts and the day before I would be delivering XXXX money, she says I need 6 months reserves. She then asks where I will get the closing and down payment. My mother agreed to gift it. So, it was settled. Then after I pay XXXX money and after I set the appointment for the inspector I am paying for, she starts with the stuff about the automated system that pre-approved me now says I have too much debt to income when no info was changed or added. She claimed I had said I made more on the application than what I do and stated what the correct amount should be, but when I later checked the original application, it has the exact amount she said it should be. Besides, I didnt do the application, she did. No new or altered income, and an automated system changes its mind.
I applied for a loan at another loan company just to find out my credit score was much higher. According to the XXXX XXXX XXXX XXXX loan when an applicant has XXXX or higher reserves are not required yet I was told I needed reserves.
In addition, I am told I don't have the income but I was preapproved twice. If I didn't have income I could not possibly receive the a preapproval. I did a loan originally and was told that I didn't have enough reserves, down payment, or income. I was told I needed to look into getting an XXXX loan, but that Penfed does not offer that loan.
I decided to try again. When I called back XXXX XXXX told me that it wasn't true that the company does not offer a XXXX loan. I was also told that it isn't true that I needed reserves. When I saw that I had received a preapproval for a XXXX, I decided to go for a XXXX loan due to it's low downpayment, income requirements, and etc.
XXXX XXXX told me over the phone that PenFed does not offer the XXXX XXXX XXXX loan. I explained to her that it states that they do on the PenFed website. She assured me that they no longer offer it. I challenged this in an email and she again told me that they don't offer the loan. So, I stated that I wanted to speak to a supervisor if she couldn't do it then suddenly her " supervisor '' showed her where she could do it.
This is a common loan and the fact she said they didn't offer it was highly deceptive. The entire time I was pushed into taking an XXXX loan. Upon my first dealing with her she stated that I needed to get an XXXX loan. Then when I tried to go for a XXXX loan she lied and said they didn't offer it to push the XXXX loan on me.
The XXXX loan had a larger downpayment, larger closing, cost and was a more secure loan for her company given the PMI. I received a preapproval for the XXXX and then days later and shortly before the underwriting I am told I no longer qualify. When I ask why she stated it was because of my change in income. She stated that I technically qualify for the XXXX loan but not at PenFed thereby changing the qualifications of the loan itself.
She claims that my financial info was pulled from a previous application. Both the original conventional loan and the XXXX were done over the phone. The XXXX was actually done by her. She grilled me to submit my financial information specifically my most recent bank statement. Yet, despite all of that she sent me a document with incorrect financial information contradicting my paystubs, XXXX 's, tax returns, and bank statements.
When I confronted her about the signed document affirming my financial status had been incorrect she said that she made the change in the system but that the document had already been sent. Again, she attempted to push an XXXX loan on me.
Note that never at any point did she send a correct financial document for me to sign. So it was her " word '' that the change had been made, but clearly it hadn't for me to continue to be disapproved. She knowingly had me sign a document that was in error despite receiving financial documents.
When I went online to check the loan details I noticed that one of the applications had more up to date information, partially incorrect but one item that was correct, in other words, she knew the correct information but ignored it. PenFed has you sign a document to disclose information electronically per the law and company policy, but I never signed any documents agree to disclose prior applications. So, she violated company policy and accessed prior information illegally.
When I agreed to disclose it was for the most recent XXXX loan they disapproved me for once they saw XXXX would be more beneficial to them. I make XXXX hourly at XXXX hours a week. The debt I have is XXXX dollars a month in student loans. The fact I could not afford a XXXX monthly payment is ridiculous, and that is not including the non barrower border income.
A corporate XXXX by the name of XXXX XXXX told me they didn't do this when all she had to do is check the emails and phone calls to see that is precisely what happened.
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| 08/12/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Chairman PenFed Board of Directors XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Improper Processing and withholding Necessary Information on PenFed Policies and Procedures to Extend the Mortgage Refinance Lock-In Agreement ( My letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) Dear Chairman XXXX : Unfortunately, to date a satisfactory resolution has not been reached. As a result, I am respectfully coming back to you again for further review and consideration of my request based on the content of subject letters ( 6 ).
This is in follow-up to my telephone and e-mail communication with members of your staff as you requested. To date and as previously stated my concerns have not been addressed.
My ongoing outreach ( XX/XX/XXXX ) to address my concerns internally with regard and consideration to specified PenFed policies and guidelines have been disregarded. With this in mind, I am coming back to you with details as highlighted in my six previous letters for review, consideration in concert with the PenFed policies which I adhered to.
However, the XX/XX/XXXXXXXX XXXX XXXX XXXX team members that you referred me to never addressed the most important issues that I presented. Although I was not kept abreast or informed regarding the status of my application, I reached out for information and updates as highlighted below in my XX/XX/XXXX letter.
I am also enclosing key excerpts of my e-mail communication with XXXX XXXX XXXX, Digital Mortgage Loan Officer, all information provided by XX/XX/XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX, Settlement Pre-Processor ( XXXX, VA ), all information provided by XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Contract Mortgage Processor ( XXXX, XXXX ), all information provided by XX/XX/XXXX. Appraisal completed on XX/XX/XXXX. I found out for the first time on XX/XX/XXXX based on my outreach to XXXX XXXX on XX/XX/XXXX for a status update that we are unable to complete your mortgage request due to the fact that there is an unresolved litigation against your condominium associationI proceeded immediately to request procedures ( e-mail and telephone requests ) to extend and/or /re-lock as appropriate.
XXXX XXXX responded by stating that she did not have agreement extension/re-lock information readily available, did not want to provide incomplete or inaccurate information and would get back to me per my request. In spite of my repeated outreach, I never heard from XXXX XXXX again.
I was within PenFed guidelines to request a Lock-in Agreement extension, which I did, prior to the XX/XX/XXXX expiration date, yet was ignored and denied access to financial services and information necessary to allow me to move forward.
I remain confident that a thorough fair and impartial review of the circumstances associated with the issues I raised regarding my refinance application will confirm that I was subjectively denied crucial information and access to financial services that should have been made available to PenFed customers in my situation.
The information and access I requested are available and remain viable through existing PenFed policies and procedures. My request to extend my Lock-In Agreement, Loan Number XXXX, Dated XX/XX/XXXX, past XX/XX/XXXX was ignored and never responded to. This is unacceptable.
As previously highlighted, PenFed Policy states in-partIf your interest rate lock and this Agreement expire prior to your loan funding date, you will be subject to PenFeds interest relock policyMy communication confirms that although I requested the procedures and my desire to extend prior to the XX/XX/XXXX expiration date, I was denied the opportunity and procedures were never made available to me.
As stated, my continuing goal is to settle my concerns expeditiously through internal PenFed policies. My consistent efforts to address these pressing concerns and obtain reconsideration began XX/XX/XXXX and continues to date ( XX/XX/XXXX ).
As requested, I look forward to your decision regarding my request to move forward with my XX/XX/XXXX Refinance Application Agreement being reviewed for approval based on XX/XX/XXXX Lock-in-Agreement terms, timely submitted materials ( XXXX XXXX ) and accomplished on-site Appraisal ( XX/XX/XXXX ).
I should Not have been required to complete a new XXXX application. Between XX/XX/XXXX XX/XX/XXXX, I submitted All requested and required materials to complete my application and to extend the Lock-in Agreement past XX/XX/XXXX had my request been responded to. Importantly, the litigation that prompted PenFeds denial letter was dismissed by the XXXX XXXX on XX/XX/XXXX.
A review will support that non-responsiveness, neglect, failure to provide critical information by PenFed staff directly led to the XX/XX/XXXX refinance application denial. Those staff actions are responsible for the extenuating circumstances unique to my situation thus warranting an exception and immediate action to rectify the issues I have raised using my original XXXX Mortgage Refinance Application. This is my ongoing request.
Again, I am respectfully requesting and relying on an internal PenFed review and decision under your leadership with involvement of XXXX XXXX XXXX, PenFed President & CEO based on the facts and background information provided in accordance and compliance with PenFed policies and procedures.
I am confident that I have provided sufficient information to confirm that an extension could have been granted prior to the XX/XX/XXXX Lock-In Agreement expiration date.
I look forward to hearing from you. Thank You.
Sincerely, ( Signed ) PenFed Customer ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Military and Civilian Equal Opportunity Policy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed References : 1 ). Substantiating E-mail Communication ( in-part ) Confirming my Request to Obtain Costs to Extend Lock-in-Rate Agreement; Confirmation that due to my request for status on XX/XX/XXXX and outreach to Loan Officer, I learned about Denial Decision for the first time on XX/XX/XXXX and immediately requested information to extend the lock-in rate agreement. The loan officer stated that she wanted to provide complete and accurate information and would need to get back to me. I never heard back, yet I continued to follow-up.
2 ). PenFed Credit Union Lock-In Agreement, Loan Number XXXX, Dated XX/XX/XXXX XXXX ). Statement of Credit Denial, Termination, or Change, Dated XX/XX/XXXX ( Determination Other Inadequate collateral Unacceptable property ), Loan Number XXXX. Document states that Denial was mailed on XX/XX/XXXX after my conversation with the Loan Officer and my request to extend the Agreement.
4 ). Virginia Courts Case Information Dismissal ( XX/XX/XXXX ) The XXXX XXXX cc Distribution List : 1 ). XXXX XXXX XXXX, PenFed XXXX & XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX ). PenFed XXXX XXXX XXXX, XXXX XXXX XXXX, VA ( XXXX XXXX XXXX XXXX, Vice Chairman, XXXX XXXX XXXX, Treasurer, Lt. Col ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. ), XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ), XXXX XXXX XXXX XXXX, XXXX ( XXXX. ), XXXX XXXX XXXX XXXX XXXX, ( XXXX. ), XXXX XXXX XXXX XXXX ( XXXX )
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| 08/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Struggling to pay your loan
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Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX To whom it may concern : My PenFed credit union has financially destroyed me by : 1. adding 3 more month to my maturity loan date and demanding me to sign it, because the managers were planning to go on vacation.
2. by asking me to sign a personal guarantee letter as a condition of refinancing my XXXX XXXX to get advantage over me by covering losses with XXXX medallions with my personal savings.
3. by asking me to sign a confession of judgement letter which let PenFed take my two XXXX from me without going to court.
4. By refusing to make a new agreement with refinancing my loan which put me in trouble with my XXXX agent and allow her to put my XXXX into XXXX storage without Lease income and no payment on my XXXX loan.
5. by refusing to share the losses evenly on my XXXX XXXX because of falling XXXX prices related to mistakes done by XXXX XXXX Mayor XXXX XXXX , XXXX Commissioner, and credit unions.
My XXXX XXXX loan was expected to mature on XX/XX/2019, so I came to my PenFed credit union two month before XX/XX/XXXX asking them to refinance my loan while bringing with me a hardship letter and letting them know that the XXXX industry in XXXX XXXX in terrible condition and my XXXX XXXX six times significantly reduced my lease income. The situation with XXXX XXXX in XXXX XXXX was so bad, that I can not go to any other credit unions asking for loan, because no any bank or credit union wants to deal with new loan on XXXX XXXX. Instead of helping me to refinance my XXXX XXXX loan, PenFed told me that I must sign the 3-month temporary agreement with them after my maturity date on XX/XX/2019. When I asked the reason for that PenFed credit union did not give me any reasonable explanation.
At the same time, PenFed credit union aggressively demanded that I must sign their a ) temporary agreement which is 3-month period b ) sign a personal guarantee letter c ) sign a confession judgement letter. All of this is as a condition to refinance my XXXX XXXX loan.
When I spoke to the PenFed manager, Mr. XXXX, and asked him to refinance me sooner than three month he laughed at him that the lease with my XXXX XXXX would expire on XX/XX/2019 and in order to pay my loan I need to refinance my XXXX XXXX before that day. I explained to PenFed manager that my XXXX XXXX would not wait for refinancing of my loan and it is extremely difficult to find a new XXXX XXXX who would lease my XXXX XXXX. Right now, in XXXX XXXX all XXXX XXXX refuse to lease new XXXX XXXX and many agents put XXXX XXXX into XXXX storage, which means no lease income to XXXX owners. When Mr. XXXX left on vacation, I spoke to another manager, Mr. XXXX, whose phone is ( XXXX ) XXXX xXXXX, who told me that he knew the situation with the XXXX industry well. I explained to him that my agreement with my XXXX XXXX would expire on XX/XX/2019 and I needed to refinance my XXXX XXXX because my XXXX XXXX could put my XXXX XXXX into the XXXX storage without refinancing my loan. I also asked him to reduce my loan interest, {$2200.00} because my XXXX XXXX pays me {$1900.00} and {$300.00} I pay out of my pocket. The manager asked me to sign the personal guarantee letter, but I refused to do it, telling him that it is very unfair to cover loses of XXXX XXXX by my personal savings. He threatened me by saying that he would take my medallions from me if I refuse to sign a personal guarantee letter. I explained to Mr. XXXX that in XX/XX/XXXX last month one medallion was sold for {$110000.00}, which makes {$220000.00} for my two XXXX and my loan is {$380000.00} is larger than what I owe to PenFed. I also told him that price of XXXX could get even low than that and it is very unfair to cover my XXXX loses by my personal savings, despite the fact that it is not my fault that Mayor XXXX XXXX and XXXX Commissioner XXXX XXXX made mistakes by refusing to regulate XXXX and XXXX companies. I told him I would not sign a personal guarantee letter and he could take my two XXXX XXXX. He told me he would call me next day.
Next day Mr. XXXX called me again from a different phone ( XXXX ) XXXX and started demanding that I also must sign a confession of judgement letter, which I also refused to sign, telling him that NY State stopped using it. But he told me that it would be still OK in XXXX XXXX. Than he asked me if {$1800.00} would be good for me with my loan interest. I explained to him that it is not good because my XXXX agent pays me {$1900.00} and she could reduce my lease income, because the XXXX industry in crisis now. Besides, my XXXX XXXX already reduced my lease income six times during three years. Each of her redaction is between {$300.00} and {$600.00}. He told me that the bank does not work this way. I also explained to him that that my lease with my XXXX XXXX would expire on XX/XX/2019and I needed to refinance my loan before that day. The next day, when I called him, I was told that he went on vacation without telling me that he would be absent for some time. So, I believe that both managers, Mr. XXXX and Mr. XXXX of PenFed credit wanted me to fail with my XXXX XXXX loans by creating the situation in which my XXXX XXXX would get angry at me for not refinancing my XXXX XXXX loan and put my XXXX into the XXXX storage. In this situation, I will not be able to pay my loan interest and will lose my XXXX as well as personal savings. I bought my XXXX XXXX for {$690000.00} with a loan from credit union and now I owe PenFed credit union {$380000.00}. Each year I paid my loan interest to credit union as well as other XXXX owners paid to it. Recently I was shocked to learn that former CEO, XXXX XXXX, of Progressive credit Union which merged with PenFed received {$30.00} XXXX in salary, despite the fact that credit union is non-profit business. I came to conclusion that both managers of PenFed credit union tried to catch me in signing temporary agreement, in signing a personal guarantee letter, in signing a confession of judgement letter. Both of them did not care that my agreement with my XXXX XXXX will expire on XX/XX/2019 and I would lease my lease income and would not be able to make a loan payment to PenFed Credit union. So, my XXXX will be taken from me because of that. But a real reason is that both Mr. XXXX and Mr. XXXX did not care of me despite the fact that the XXXX industry in crisis and XXXX XXXX owners will lose their XXXX XXXX and the loses will exceed {$1.00} XXXX. That was said by XXXX XXXX, the NCUA Board member. He also said : We want to provide individually tailored solutions to those borrowers who want to work with us. It seems to contradict to my experience with PenFed credit union. I also believe that if credit unions made mistake with XXXX loan, they need to share losses with medallion owners, and not take advantage over me by forcing me to sign a personal guarantee letter, which means to cover all loses of XXXX XXXX by a XXXX owner. I believe that PenFed credit union should be responsible for any losses evenly with me as well as XXXX XXXX XXXX Mayor XXXX XXXX and XXXX Commissioner XXXX XXXX for not regulating XXXX and XXXX. But now, both PenFed managers put me in financial trouble with my XXXX XXXX for refusing refinance my loan before XX/XX/2019 Thanks.
XXXX XXXX A XXXX owner.
Email : XXXX XXXX : ( XXXX ) XXXX
|
| 09/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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My complaint disputes Pentagon Federal Credit Union ( hereinafter, PFCU ) " blocking '' my credit card from any use on or about XXXX XX/XX/2019 ; and on or about XXXX XX/XX/2019 denying my credit card payments to : XXXX XXXX XXXX ( annual dues ) and XXXX XXXX XXXX ( annual dues ) absent factual explanation.
( i ) Re " blocking '' my credit card from any use on or about XXXX XX/XX/2019, please see my letter sent to Mr. XXXX XXXX XXXX, CEO and Manager, PFCU dated XXXX XX/XX/2019 ( letter copied below ).
[ my address ] XXXX XX/XX/2019 Mr. XXXX XXXX XXXX, CEO and Manager Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX, Virginia XXXX PH : XXXX XXXX XXXX XXXX Dear Mr. XXXX : I am writing to report my consternation and disgust with Pentagon Federal Credit Unions ( PFCU ) apparent recent now-you-have-credit-but-now-you-dont-have-credit policy regarding my VISA credit card.
As a PFCU member since the mid-XXXXXXXX I have had a VISA with PFCU for several decades. I have never had a late payment nor have ever overdrawn my credit limit of said VISA. Inexplicably and absent any notice, yesterday ( XX/XX/2019 ) as I attempted to make a VISA purchase for {$56.00} I found PFCU had blocked my VISA. What followed at PFCU for nearly one hour, as I spoke by my cell phone to numerous putative PFCU employees in the USA and overseas, was clearly unconscionable negligence. Each employee tried to explain the blocking error ( most, directly contradicting what the previous employee had stated ) while transferring my call repeatedly to get to the PFCU staff who would/could unblock my VISA.
First, the cardholder service employee ( XXXX ) stated my VISA was blocked because : there was no phone number associated with credit card. I replied my VISA was decades in existence and my phone number had not changed during that time period. Further, I was using my cell phone to speak to them. Thereafter, the PFCU employee admitted she could see my cell phone number associated with my VISA in her database.
Second, the PFCU employee said that someone from XXXX had tried to contact me by phone to verify an XXXX payment that had been entered three ( 3 ) times. I asked how much XXXX had billed, PFCU employee replied {$440.00}, I confirmed that amount was authorized by me. Employee, XXXX ID : XXXX ( XXXX, OR ), could not explain his own assertion the {$440.00} payment had been entered 3X on XX/XX/2019 by XXXX, so he stated XXXX could not contact you [ XXXX XXXX ] by phone to verify the charge. I responded : I have a VISA with PFCU, not XXXX. I have no business relationship with XXXX ; and, had I been so contacted, would logically assume credit fraud by an unknown third party ( XXXX ) against my VISA. If PFCU needs to verify a PFCU-VISA charge, PFCU can text-or voice-message my phone while showing PFCU-Phone-ID when contacting me.
Finally, XXXX transferred me to XXXX employee ID XXXX apparently in a XXXX-call-center ( PH : XXXX or XXXX ). XXXX spoke incomprehensible English and could not understand my questions sufficiently to reply. I ended the call and recalled PFCU cardholder service ( XXXX ), XXXX answered and I explained I wanted to have my VISA unblocked. XXXX said she would have to transfer me to which I replied I needed to speak English. XXXX stated she would remain on the call with me. XXXX answered the phone and asked me a variety of questions ( my birthdate, social security last-4-digits, etc. ) concluding with : were you forced- or coerced to make purchases to XXXX XXXX XXXX XXXX and XXXX , NY XXXX ? I indicated that those were my purchases and asked if she was forced or coerced to question my competence based on my birthdate? XXXX responded my VISA would be unblocked.
On XX/XX/2019, I again phoned the PFCU cardholder service ( XXXX ). XXXX, employee ID XXXX, answered and confirmed my VISA had been unblocked minutes ago.
Both my husband and I travel. For the past two years PFCU told us that prior travel notification to PFCU re our PFCU VISA cards was no longer required. In fact, PFCU told XXXX his VISA would be usable without prior travel notification to northern XXXX in XXXX 2019. On XX/XX/2019, I was told prior travel notification to PFCU is a requirement to avoid having your VISA blocked when used away from permanent home area. Which is correct : prior travel notification is necessary or not necessary? We have directly conflicting travel notification requirement depending on what day of the week or PFCU employee we ask re the need for prior PFCU travel notification.
My PFCU VISA expressly affirms credit that I can not be certain is available to me because of PFCUs unexplained/unjustified blocked VISA from my use. Further, knowing misleading/erroneous and contradictory information stated by PFCU employees, apparently to cover their mistakes or potentially unlawful policies, belies good faith business practice. My concern is that actions and/or policies promulgated by PFCU employees herein described may be prohibited by the Equal Credit Opportunity Act, 15 USC 1691 et seq. and the Federal Credit Union Act, 12 U.S.C. 1751 et seq., If said actions continue or repeat, I will furnish a copy of this letter and updated PFCU actions to the Chairman of the National Credit Union Administration with respect to Pentagon Federal Credit Union.
Sincerely, [ signature ] ( ii ) Re denial of my credit card ( annual dues ) payments on or about XX/XX/XXXX-XX/XX/2019 to the XXXX XXXX XXXX ( hereinafter, XXXX ) and the XXXX XXXX XXXX and repeated " hang-up '' telephone calls with no messages to my cell phone from PFCU phone number ( XXXX ) from on or about XX/XX/2019 to XX/XX/2019. On or about XX/XX/2019, the XXXX XXXX XXXX ( hereinafter, XXXX XXXX ) called to notify me my credit card ( annual dues ) payment had been " declined '' by PFCU. Immediately I called PFCU and asked why my credit card payment to XXXX XXXX had been " declined. '' PFCU employee ID XXXX, " XXXX '' replied : " XXXX XXXX entered an incorrect cvv number. '' I replied no cvv number was requested by XXXX XXXX ( nor was cvv ever required for 8 years prior I paid my dues via PFCU card ), so " XXXX '' next stated " XXXX XXXX entered the wrong expiration date [ on my credit card ]. '' Contradicting PFCU " explanations, '' XXXX XXXX employee " XXXX '' ( XXXX ) affirmed my payment was " [ PFCU- ] declined '' rather than showing " keystroke error, '' latter, as PFCU employees had opined untruthfully. I retained a photocopy of my credit card payment receipt US mailed to XXXX XXXX showing all credit card numbers including the expiration date are noted clearly and unequivocally as XXXX ( XXXX XXXX ) affirmed. In summary, PFCU provided no lawful or even rational explanation for PFCU " declining '' my payment to XXXX XXXX ( and XXXX? ). This PFCU " now you have credit, now you do not have credit '' absent any lawful explanation appears to be in plain violation of both the Equal Credit Opportunity Act, 15 USC 1691 et seq. and Federal Credit Union Act, 12 USC 1751 et seq., hence I am respectfully requesting my complaint herein be without delay transmitted to the Chairman of the National Credit Union Administration and/or OIG National Credit Union Administration as specified by said statutes and/or Federal Trade Commission as CFPB deems appropriate.
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| 11/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I am writing this letter to 1. report fraud on my mortgage account at Pentagon Federal Credit Union , 2. your engagement in resolving this issue and also taking corrective steps in restoring things back to normal so that it is never repeated by those who perpetrated this fraud.
I would not have brought this to your attention or sought your assistance if the folks at Pentagon Federal were cooperative when I called them as per the instruction I received in a letter reference # : xxxxxxxxxxxxxxxxxxxxxx dated XX/XX/2019.
The Premise : My existing homeowners insurance policy ends on XX/XX/2019. Therefore, on XX/XX/2019I engaged XXXX and initiated a NEW POLICY starting XX/XX/2019. When I received a set of new policy documents in the mail, I was surprised to see that the insuance was NOT with XXXX but instead with XXXX XXXX. After giving it a lot of thought I decided to keep XXXX XXXXXXXX UNTIL XX/XX/2020 as it didn't really matter as to who I am insured with as long as the cost of insuring was reasonable. The NEW POLICY with XXXX XXXX was PAID IN FULL for the ENTIRE YEAR and there were NEITHER UNPAID NOR PENDING payments on this new policy. After receiving this policy from XXXX XXXX I DID NOT intimate Pentagon Federal Credit Union about this policy or the BINDER NUMBER as I wanted to do it myself toward the end of XXXX approximately 2 weeks before the end of the month ( XXXX ) that is before the NEW POLICY commenced.
The Fraud : Out of the blue, on XX/XX/2019 I received a letter reference # xxxxxxxxxxxxxxxxxxxxxx dated XX/XX/2019 from Pentagon Federal Credit Union asking me to REIMBURSE Pentagon Federal Credit Union RANSOM MONIES which some ARROGANT IRRESPONSIBLE staff at Pentagon Federal Credit Union paid to XXXX XXXX without my consent. This letter includes NEITHER any past discussions with me about the already existing and currently actively running HIJACKED POLICY, the DATE of the Hijack, AMOUNT involved in the RANSOM, NOR the date & time of this change to my Pentagon Federal account before making this changeover to XXXX XXXX which is EXTREMELY SHARP, SLEAZY and ARTFULLY DECEPTIVE practice by those who perpetrated this fraud/hijack.
In the letter I was informed that my existing active policy was being replaced by a NEWER policy which Pentagon Federal paid for without my consent. The amount that was negotiated by your staff with XXXX XXXX or the date from when my old policy became ineffective was NOT COMMUNICATED to me. All that I was adviced in the letter was to PAY UP a RANSOM MONEY ( amount not specified ). The SABOTAGE of my Pentagon Federal Mortgage Account WITHOUT MY CONSENT where my current ACTIVE policy was DECEPTIVELY HIJACKED using a policy that I NEITHER knew of NOR agreed to has in my OPINION FINANCIALLY BENEFITED someone who PROBABLY received money UNDER THE TABLE to PERPETRATE this SABOTAGE. This CRIMINAL PRACTICE MAY BE COMMON in the Insurance Industry but I am NOT WILLING TO dance to the tune of the Robin Hood who has led this SAGA.
For a few hours after I received this letter reference # xxxxxxxxxxxxxxxxxxxxxx I was extremely disturbed thinking of the extent and the DEPTH of CORRUPTION that was perpetrated by " person '' or " persons '' on my account by COLLUDING with one or more entities at the Insurance company outside the realm of Pentagon Federal Credit Union.
As per the instruction in the letter reference # xxxxxxxxxxxxxxxxxxxxxx, received on XX/XX/2019, at around XXXX XXXX I called your Insurance Service Center @ XXXX ( XXXX ) XXXX. When I called this number a woman took the call started to play with words and hence avoid taking responsibility for actions/sabotage at Pentagon Federal Credit Union that led to this letter because she spoke as though she was just employed at Pentagon Federal Credit Union to merely collect her paycheck without helping a customer whose account at Pentagon Federal Credit Union was hijacked. She told me that her job was to just TRACK Insurance. When I asked her as to what exactly TRACK INSURANCE meant, that's when she started playing around with words and basically trying her best to avoid giving me any DIRECT ANSWERs. After talking to her for a bit it was clear to me that she was MERELY PLAYING AROUND so that I would eventually get frustrated and drop the call. Since I am not a quitter and she having realized that fact, we got into an argument where she instead of first listening to my reasons and later responding started TALKING OVER ME. Having realized here extent of ARROGANCE I decided to practice her OWN GIMMICK by TALKING OVER HER, basically giving a taste of her OWN MEDICINE. Realizing that she was trying to conversationally SUBDUE ME, I REFUSED to acknowledge or ENTERTAIN her MIND GAMES, so I asked her as to what exactly she was up to, after which she disconnected the call saying I was IRATE. When I told her that I was indeed IRATE there was DEAD SILENCE on the line because she had already VOLUNTARILY disconnected the call and ran for the nearest exit.
Conclusion : Since this ENTIRE DRAMA sounded EXTREMELY FISHY, I knew it was the right thing to ENGAGE people at the top tier of management at Pentagon Federal Credit Union instead of beating around the bush and running in circles with people at the bottom of the corporate ladder where each one tries to scratch each other 's backs to win FUTURE favors while this fraud continues UNDETECTED by the management at Pentagon Federal Credit Union.
To conclude, I am not responsible for the consequences following this sabotage or ransom that I am being asked to cough up by some employee at Pentagon Federal Credit Union. It is the LEGAL DUTY of those who sabotaged my account to return the funds disbursed to XXXX XXXX FOR MY mortgage account back to Pentagon Federal Credit Union instead of holding me at XXXX XXXX with a XXXX LETTER that acts as a COVER for someone else 's DEADLY ADVENTURE which for them may be a ROUTINE PRACTICE at Pentagon Federal Credit Union for making a FORTUNE on the side, that has gone UNNOTICED by the management at Pentagon Federal Credit Union till date that is, until I addressed the SAGA through this letter.
Today, XX/XX/2019 when I called the XXXX XXXX office of the Pentagon Federal Credit Union I was told by some woman that I CAN NOT REPORT a fraud via phone and it can be ONLY done via EMAIL. She was ready to offer an email address but I declined saying that I do not want the XXXX who are busy hacking our networks to view my complaint. Since what she was JIVING didn't seem right I disconnected the call and called again to an office in TEXAS and what that person there told me was that, 'yes ' we have an ENTIRE DEPARTMENT to handle FRAUD and you should speak with them.
Basically, I have concluded that employees giving customers CONFLICTING advice/information are either IGNORANT about the subject or they are COVERING for someones XXXX ILLICIT ACT behind the scenes. To make the long story short I have NEVER EVER interacted with any bank that was so UNCOORDINATED that I am FORCED to write this letter to the President of Pentagon Federal Credit Union in the hope that this issue can be put to rest for ever.
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| 07/28/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American, Servicemember |
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XXXX XXXX PenFed Member # XXXX HELOC ACCOUNT # XXXX I carried a Pentagon Federal Credit Union Home Equity Line of Credit account ( XXXX ) for years. A recent change in their policy required that I obtain a flood insurance on the property ( XXXX XXXX XXXX XXXX XXXX, FL XXXX ) for the loan to remain viable.
I repeatedly called and emailed PenFed explaining that I could not pay the entire amount of {$6200.00} for the insurance upfront and requested PenFed obtain the required coverage and add that to my HELOC. This was agreed to verbally on the telephone by a PenFed loan officer in their mortgage department.
I was promised that paperwork would follow that conversation, one we had back in XXXX/XXXX time frame, long before the said HELOC was due to expire in XXXX. Unfortunately, PenFed failed to follow up on the promise, this despite my numerous calls and emails reminding them of it.
When I finally was able to connect to another loan officer, I was told that it was too late to apply for a refinancing of the loan as the timeframe required to process the loan would go beyond the expiration date of the existing loan.
Meanwhile, I set up a {$500.00} a month allotment to go toward paying off the residual amount on the HELOC, around {$8500.00}. Instead of applying that monthly amount toward the loan, PenFed instead began to charge me a {$470.00} a month penalty for not having paid off the balloon.
Keeping in mind that I did all I could to satisfy PenFed at every turn and was met with deaf ears, I had a hard time understand why PenFed put a black mark on my credit standing. My XXXX credit rating tumbled to XXXX as a result. All due to no fault of my own as I trusted PenFed to refinance the loan and to obtain the required flood policy.
In that I was not in a position to pay upfront for the flood insurance, and incremental payments are not allowed as they are for other types of insurance policies, I discovered that I could charge the fee to my credit card. The new flood policy declaration was immediately faxed by XXXX to PenFed. The mortgage loan processor, XXXX XXXX, ( O : XXXX Ext : XXXX Fax : XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, received it the following day.
After talking with the officer manager for the HELOC, I was amazed to discover that he had no influence on the other branch of PenFed handling delinquent accounts. I explained to him that the account became delinquent not due to a fault of my own but PenFed 's. He understood my plight but could not influence the other department to stop sending me late payment reminders, correct my credit standing and stop the onerous late payment fee.
My hope is that the refinancing, something that has taken months to obtain, will finally allow me to pay off my credit card. I fully intend to pay off the HELOC balance as quickly as I am able to do so.
This is no way to treat a member who has been in good standing with PenFed since XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - My previous attempts to make things right : Member Number : XXXX HELOC ACCOUNT # XXXX I again plead with Pentagon Federal Credit Union to please help resolve the inordinate delay in refinancing my HELOC.
Due to no fault of my own, the refinancing didn't occur in due time, despite my repeated and early pleas to PenFed to refinance the loan in earnest and add the cost of the new requirement for flood insurance to the newly refinanced HELOC. Please check my record to note the number of phone calls and email to that effect.
Instead of responding to my emails and phone calls, I instead received nothing but grief from PenFed : several notices of the need for flood insurance and late payment. A hefty fine was added to my loan and a black mark imposed on my credit worthiness.
I expected better from PenFed as I did all I could to satisfy its new requirements and repeated reminders. I have a {$500.00} a month allotment toward satisfying the remaining amout due on the existing HELOC. In that I can not afford to pay upfront the {$6100.00} cost of flood insurance, I requested that the same cost be added to my HELOC ( something I thought had been resolved after my conversation with PenFed 's mortgage department ).
So, please help expeite the completion of my HELOC refinancing application, currently in the hands of XXXX XXXX, you Mortgage Loan Processor, MLO # XXXX ( O : XXXX Ext : XXXX Fax : XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX.
Additionally, obtain flood insurance for the property and add that amount to the newly refinanced HELOC. I also request that PenFed help restore my credit standing and remove the {$470.00} penalties, fees imposed by PenFed due to its own dragging indefinitely on this case instead of stepping to the plate and getting it done in due time.
Thanking you in advance for your help, XXXX XXXX XXXX, XXXX ( XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I received a PenFed email ( XX/XX/XXXX ) asking that I call a representative at first opportunity.
I called immediately and eventually got to talk to a loan officer, XXXX XXXX. He obviously was not familiar with my issue and volunteered to dig into it before calling me back. When he called back, I was taken back by his insistance I payoff the remaining HELOC loan in full as the loan had expired. There was no time left to close on another loan before this one is overdue~!?
Would you please review the record and note that I've called and emailed on several occasions over the last few weeks asking that a HELOC loan be reissued. Despite promises to do so by several PenFed representatives, I never received any paperwork to initiate the procedure.
As a result, I wrongly assumed that my original loan had simply gotten extended. Also, after receiving several FINAL NOTICES, reminding me of a need for a flood insurance on the property, something that wasn't needed originally when I obtained the PenFed HELOC. For the record, the property was permitted in XXXX, before FEMA and FIRM requirements. Regardless, I verbally and via email instructed PenFed to tack onto my HELOC the cost of the flood insurance, as I couldn't afford to defray the entire cost outright ( $ XXXX ).
Instead of following my instructions, I continued getting FINAL NOTICES, as though nothing had been resolved.
I understand that we are going through a difficult period and that PenFed is flooded with requests for action. However, my issued was not dealt with for a long, long time.
I've set up an automatic {$500.00} a month payment toward paying off the PenFed HELOC balance and even that got botched up as the date due didn't correspond with the date of the monthly payment.
I stand ready to satisfy any reasonable demand on the part of PenFed. However, I am not in a position to pay off the remaining $ XXXX at once.
Any helpful resolution of this impasse would be greatly appreciated.
XXXX XXXX XXXX, XXXX ( XXXX )
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| 06/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Please review the entire history of my mortgage account with Pentagon Federal Credit Union. From the very beginning, it has failed to apply payments made, failed to apply the correct amount of a particular payment to principal, and, as a result of the foregoing, failed to apply payments it has received to the correct amount of principal and interest. The result is that it has collected more in interest than it should and will continue to do so indefinitely. I complained about some of this several years ago, when it debited my XXXX XXXX checking account, then returned it to the account before the mortgage went into repayment. The result was that an entire payment was not deducted from principal before repayment started ; I did not have time to reschedule the reversed payment because it took so long for the reversal to show up because of PenFed 's slow operations. By the time the reversal showed up, the grace period was close to ending and there was no way to schedule an inter-institution transfer at that time between PenFed and my funding account, despite the fact that PenFed debited the account electronically and at least one of the 2 payments that PenFed credited during the grace period was an electronic payment. At that time, it would not allow me to schedule another electronic payment for the one it arbitrarily reversed and took a long time notifying me it about. There were 3 of these early payments during the grace period before the loan went into repayment, but I was credited only for 2. I should be allowed now to correct this mistake caused by PenFed 's slow and inept operations, such that another payment solely to principal should be allowed retroactively to the beginning of the loan.
Last month ( XX/XX/2019), it again messed up my mortgage payment. Because I could not do it myself through online banking, I called PenFed and asked it to reduce the amount it debited electronically from my XXXX XXXX account from {$1900.00} to the regular monthly payment of {$1500.00}. Despite numerous telephone calls and emails sent to them about this, commencing at least on XX/XX/XXXX, it failed to do what I requested. Instead of doing what Id requested, PenFed debited my XXXX XXXX account for both amounts, the {$1900.00} and the {$1500.00}. Its mortgage servicing department is rarely available when I try to reach it by telephone. I can only get member services which tells me that its mortgage servicing department is not available but that they will send it a message to call me. Then I never hear from them, typically, or if they call and leave a message, whenever I call them again, they are not available again. I spent hours on the phone trying to reach it and when I finally did, it failed to do what I requested. Thereafter, it kept insisting that I contact it again, only to reiterate what Id already requested. When I call them, I get member services only and can not reach anyone in mortgage servicing. This persisted for days in late XX/XX/XXXX. At some point, I could not afford the inordinate amount of time simply to repeat the same request, over and over and over again. I finally asked XXXX XXXX to credit me for the {$1900.00} that PenFed debited errantly in addition to the regular mortgage amount of {$1500.00}. To this day, I think PenFed may have credited me for a {$1500.00} that was paid in late XX/XX/XXXX, but they sent me an inaccurate statement in the mail and their online accounting for the mortgage loan is incoherent. I do not know what PenFed 's real accounting on this loan is now.
This arose in part because of PenFeds falsely advertised claim that I could initiate an electronic transfer of funds between my mortgage account ( or the PenFed share account ) and my XXXX XXXX account. Yet I had been paying the mortgage this way for years, via electronic transfers between these two institutions. It appears that PenFed failed to include XXXX XXXX in my list of accounts when it changed its software on online banking. But it also proved incapable of doing this correctly by hand or in response to my request.
This month, XX/XX/2019, I am paying my mortgage loan from PenFed by electronically transferring the mortgage payment from XXXX XXXX to my share account at PenFed, then paying the mortgage through an internal transfer from the PenFed share account to the mortgage account. This is because a direct electronic transfer between these two institutions directly to the mortgage account does not work from the PenFed side and hardly worked when I first tried to transfer payments from my XXXX XXXX account. XXXX A second person on these joint accounts filed a CFPB complaint recently about problems at XXXX XXXX when we tried to transfer the money from XXXX XXXX to PenFed. ) I need to be credited with all 3 payments made before my mortgage loan went into repayment, that I made originally. Then the CFPB should audit my mortgage account entirely. Despite the fact that I have paid all or almost all of my payments earlier than they are due, paying them on the XX/XX/XXXX of the previous month, when they are due on the XX/XX/XXXX of the next month, I have not been credited with more of the payments going to principal rather than interest because of the consistently early payments each month since repayment on the loan began.
Please ensure that my mortgage payment to PenFed this month be credited on the same day it has usually been ( on the XXXX or XXXX of the month preceding the start of the next month ) until all of this can be straightened out. This was when PenFed insisted on debiting my XXXX XXXX account and would not allow me to initiate an electronic payment from my funding account at XXXX XXXX, a situation that greatly disadvantaged me and my ability to control and make timely payments on the loan. Please make sure that these earlier-than-due payments are credited to greater amounts of principal than if the payments had been received on the due date of the 1st of each month.
Please sanction PenFed for falsely advertising the availability of electronic transfers through its online banking software between 2 institutions where EFTs have been in place for years. Because PenFed dropped XXXX XXXX from my list of external institutions while it claimed that I could make these transfers through online banking, I could not transfer money back and forth between these two accounts in late XX/XX/XXXXwhen I tried to adjust my mortgage payment from {$1900.00} to {$1500.00}. Please sanction PenFed for its failure to make people in its mortgage servicing department reasonably and readily available by telephone. And please make it credit my mortgage account for all the extra interest it has collected and will try to collect in these multiple, multi-year accounting errors.
Please effectively sanction and prohibit PenFed from continuing to operate as usual in the aforementioned matters. Please prohibit it from issuing any more mortgages until all of its mortgages are reviewed and corrected for similar mistakes as those just described.
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| 03/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
Servicemember |
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On XX/XX/XXXX in the middle of Recession, I filed Chapter XXXX Bankruptcy, to stop foreclosure. My attorney at law, whose name I will not mention now, as you asked me above about not to do this, -he included Credit Card in the list of the debtors in Bankruptcy Chapter XXXX to Stop Foreclosure list.
CH. XXXX BK to Stop Foreclosure filed by Attorney ( for me ) on XX/XX/XXXX in Washington D.C. United States Federal Bankruptcy Court.
The Trustee was assigned to my case.
The Trustee arranged with Debtors/ Creditors on the BK list about payments to them every month for me.
I was paying to Trustee monthly from XX/XX/XXXX-XX/XX/XXXX or XX/XX/XXXX to XX/XX/XXXX or XX/XX/XXXX.
On XX/XX/XXXX The Trustee for my BK Ch. XXXX case, in D.C., she, made last payment to the Credit union on my behalf.
On XX/XX/XXXX I was successfully discharged from the BK CH XXXX to Stop Foreclosure by the Federal Judge in US Federal Bankruptcy Court in Washington D.C.
I did not do much with my credit reports after I was discharged from BK CHXXXX.
It was a JUNGLE I thought.
But in XX/XX/XXXX I wanted to refinance my Home and spoke with a banker. Banker asked me for my credit report and this is when I started to clean up my credit reports and I cleaned it.
On ca. XX/XX/XXXX, public record about Bankruptcy Chapter XXXX was removed by the U.S. Federal Bankruptcy Court from my Credit Report.
On XX/XX/XXXX I refinanced and reduced my rate, and I refinanced not as CONVENTIONAL LOAN but as Veterans HOME LOAN RE FI. with Lower rates. Just as it is advertised on TV. ( My loan before and when I was in B K CH XXXX, it was Conventional loan not VA loan, because I was cheated by BROKERS and MORTGAGE BANKERS in XX/XX/XXXX. I was first time home owner U.S. XXXX Veteran of XXXX and XXXX XXXX Female veteran XXXX XXXX XXXX. XXXX, but I did not understand anything in Mortgages or loans and I did not understand that I own a XXXX XXXX == VA HOME LOAN GUARANTEE. I did not understand the VALUE of it and brokers and lawyers and bankers they wanted to profit on me, this is why wife of XXXX XXXX involved now in organization to military homeowners who got XXXX.
In XX/XX/XXXX I went back to my Credit Union website and submitted application to Refinance with my credit union. I was approved and I refinanced on XX/XX/XXXX with an interest rate 3.25 % ( VETERANS LOAN ).
I started to study my account on my credit union, with whom I was since XXXX XXXX XXXX, in XX/XX/XXXX. And I discovered that there are statements of my credit card, which was included in the bankruptcy list by my attorney and me, in XX/XX/XXXX.
That it is still there. And that my account has negative balance.
And that it was not removed as in accordance with Order of the JUDGE from Credit Union site about Credit Cards and Bankruptcy discharge ( successful ).
Because when D.C. Federal Judge issued an ORDER, there was written that no creditor can come back to ask for more money from me, after the Order is issued signed by Judge and filed.
Yet on the credit union 's website, the credit card is still there with negative balance, and there is even a little envelope with a sign " MAKE PAYMENT HERE ''.
I called to the Credit Union 2 years ago, or in XX/XX/XXXX, and I asked why is it still there?
I asked CU if CU ( FCU ) received a letter with an Order of the Judge, that I was successfully discharged and they can not expect me to pay anymore to them?
I was told in XX/XX/XXXX that I still owe money to them and as long there is negative balance, It will be there to remind to them and to me about how bad human being am I.
Is it lawful even to keep this information after I was successfully discharged from BK CH XXXX in XX/XX/XXXX, and Public Record about BK CH XXXX was removed from the Public Credit report by the US Bankruptcy Court in Washington DC? It was removed from the Public part of credit report in XX/XX/XXXX.
I did not have energy in XX/XX/XXXX to sick justice in my case with this 1 ( one ) credit card from FCU.
I was sick because I was awarded XXXX XXXX in XX/XX/XXXX, I had 3 surgeries one after another in XX/XX/XXXX- in XX/XX/XXXX in XX/XX/XXXX.
An I did not have energy and health.
But I was received emails from my credit union, because I have mortgage with them.
( Remember, I refi my VA loan with my FCU in XX/XX/XXXX? ) And I received email now and then from FCU. Promos and Offers.
One offer was to apply for a credit card with my FCU again.
I did not mean XXXX XXXX like they gave away those cards in XX/XX/XXXX-XX/XX/XXXX.
But anything because I have credit cards with XXXX and XXXX and XXXX etc.
I decided that maybe FCU mean it, that they invite me back to FCU again, since I pay to FCU for Mortgage monthly about {$2000.00} a month since XX/XX/XXXX.
I submitted an application for Credit Card, and I received a reply to wait 18 hours.
I called to FCU and asked if they know the decision. Clerk told to me that they denied because I have a negative balance on FCU Credit Card accounts site, and that I owe them money.
And that It is either a charge off account or negative balance account.
but I must take care of it.
I got very upset I told to her, FCU Clerk, that I was discharged in XX/XX/XXXX.
That TRUSTEE in D.C. in my case, assigned by the court, she paid in full as agreed, to the FCU.
But Clerk said that it is not what is shown on the website for Credit Cards and CC statements.
I went back to compu to FCU website and checked again Credit Card TAB with statements. Yes, the ( this ) old XX/XX/XXXX gold cc is there, negative account, and there is a little envelope on right corner from statement, to make a payment.
I contacted attorney for the bankruptcy in email and by calling him today.
I hope that he will call. because this case is not finished.
The bank FCU did not receive a confirmation from attorney or from the COURT TRUSTEE about this discharge and order of discharge as I understood it.
I emailed decision of the COURT to FCU already in XX/XX/XXXX when I first detected mis-justice.
Now I don't know what to do.
I humbly beg you to help me or advice me what should I do???
Is it legal for the FCU to keep an old record of discharged in Bankruptcy XXXX years ago, or 10 years ago from the when I filed for CH XXXX BK to Stop FORECLOUSRE??
Because XXXX XXXX also was listed in BK CH XXXX. But I have XXXX XXXX and I use it a lot and they never asked me to pay to them money for discharged in the bankruptcy card in XX/XX/XXXX.
It is written in the Order of the JUDGE, that it is illegal after that Order is issued, for the creditors in Bankruptcy case, to come back to Debtor and ask for more money.
So why do they do it please?
I beg you to help me Thank you and Sincerely yours
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| 03/28/2022 |
Yes |
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Web |
Servicemember |
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A VA Refinance & Cash Out loan application was initiated XX/XX/XXXX with PenFed Credit Union. Closing date was set for XX/XX/XXXX.
The degrees of professional negligence ranges from failure to exercise due diligence, communicate in a time manner, blatant lack of transparency, and/or absolute ignorance of very basic Veteran Administration processes and procedures.
After locking in a 2.25 % interest rate almost immediately, I was requested to provide all of the basic supporting personal and financial documentation which I provided within days. I began to be pressed by their staff to virtually sign documentation through their portal by XX/XX/XXXX on loan estimate documentation, yet I had not yet been contacted by the appraiser. When I telephoned the loan processor on the XXXX, after getting no valid response to my emails, she informed me that the system showed that the appraisal was already done, but yet she didn't see the report. Later that day, I get a call from the appraiser requesting a rushed appraisal the next day. I begrudging agreed due to the short notice and suspicion.
After the appraiser and her son assistant, who was wholly unprepared, finished their appraisal, she submitted a report that same afternoon to the bank. The report noted that minor damage to one of the patio support beams required repair prior to closing and gave an appraisal value that was MINIMALLY 45 % under market value with comparables that were significantly smaller than my house, property site, and overall features. Additionally, the appraisal value came in less than the principal ( and HELOC ) balances of the home, not to mention, less than what I purchased it for 5 years prior. Yet, somehow, PenFed still pressed me to sign the loan estimate forms.
After finally reaching a live person and pointing out the obvious impossibility of the documentation, I asked about my options and was advised that my only option was to go with a conventional load. I pressed them to request a Veterans Administration Reconsideration of Value. The representative did not know how to do this and once I was finally provided with a form, it did not ask for relevantly information that the VA would consider substantial. I filled out the form and submitted it, but decided to contact the VA directly, research my own comparables/formatting, and submit my own Reconsideration of Value directly to the VA. Thankfully , I did.
After getting my US Congressman 's office involved, I was able to have the VA properly re-evaluate the original appraisal at which time they acknowledged my claim that the original appraiser did not exercise the very basic standards and mandates of the VA Pamphlet that provided guidance for appraisals. The VA recognized that not only was there a substantial pricing error ( that was not in my favor ), but that the three primary comparable homes were not indeed comparable to my home. My appraisal value was increased, however, still not remotely near market. I therefore invited to submit a new set of comparables, which I accepted, are they presently being evaluated again. Lastly, the VA rep stated that they would allow the appraiser 's {$1000.00} estimated repair to be performed after closing, provided the bank agreed to escrow {$1000.00} of the cash out amount until repairs are made.
In the meantime, I was attempting to update and engage in regular email and/or telephone communication with PenFed so as to keep the other requirements of my loan package on track for a closing date, but very rarely received a response, let alone a timely one. As my original closing date approached, I was reaching out to PenFed daily as to the need to update the Loan Estimate forms to reflect the new appraisal values and establish a new closing date. Also, I needed them to request a Waiver for the Repair mandate. I was told that was not necessary and that I could just sign the forms and they would update the costs later. I did not comply and pressed them to properly update these forms before I would sign. Additionally, I received unclear and/or conflicting information with regards to the procedures and cost to extend my 2.25 % interest rate option. After weeks of limited responses and informing them that I would file a formal complaint with relevant regulatory government agencies, I finally received an explanation that there were allegedly issues with a different department 's staffing that posted the Loan Estimate virtual documents.
By XX/XX/XXXX, I received notice from PenFed that the Loan Estimate forms were finally updated to reflect the XX/XX/XXXX VA Reconsideration of Value appraisal increase to {XXXX}. However, upon immediate review, I found several problems. An astronomical locked extension option rate, glaring line item omission of the principal balance payoff, and no reference to the $ XXXX HELOC pay off. Additionally, the bottom line cash-out amount to me was shorted by at least {XXXX}! I attempted to bring this to PenFed 's attention through the usual means and, as usual, received delayed, cryptic, or no response. I still have no new closing date. Finally, on XX/XX/XXXX, I was able to directly contact the loan processor, who informed me that my lock loan rate extension was due to expire in 3 days ( XXXX. XXXX ) and that my loan status had been put on hold because they were still awaiting a response from VA as to the request for a waiver for the repairs.
At this point, I ran out of patience. I inquired as to how my loan rate extension could expire when a new closing date was never established, why were they still waiting for a response on the repair waiver when I was already informed by the VA that they the estimated repair amount simply needed to be put in escrow, was the missing $ XXXX cash out amount error discovered, how come no one responded to my multiple inquiries over 3 weeks to update me on this hold status, and would I be responsible for additional costs to extend the loan 's locked rate again? The loan processor said that she would reach out to her superiors for answers and guidance.
Two days later, I receive notice of yet another Loan Estimate update in the portal. While it put in a new closing date of XX/XX/XXXX, as expected there was still a discrepancy in the cash out balance ; which at this point should be even higher as I have had to continue to pay 2-3 additional months on the existing mortgage and HELOC accounts. I immediately, again, reached out to my loan processor and officer. As usual, I have yet to get a response.
|
| 11/02/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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|
Web |
Older American |
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My husband and me have Home Equity Loan ( # ) since XXXX in Penfed Credit Union. Now they has been rejecting our payments for the existing Home Equity Loan for almost three weeks and {$22000.00} are disappeared.
On XX/XX/XXXX, they switched to a new software platform with the goal of improving everything and everyone. They changed our Home Equity Loan number ( # Docum 2 ). The result was : 1. All our Home Loan payments since XX/XX/XXXX, which was transfered with great difficulty ( {$22000.00} ), were canceled by " the new platform '' and the money disappeared. They are not in the savings account ( where they were transferred from ), they are not in the Home Equity Loan account.
2. The payment time gap in 1.5 years has disappeared. We have been creating it for the last two years paying a slightly larger amount each time to have " an safety cushion '' during a pandemic ( in the old software version our next payment was scheduled for XXXX ) 3. The online access to transfer money between PFCU saving account and the new PFCU Home Equity Loan account was destroyed- the software does not work in any of the browsers ( XXXX, XXXX ). We can only look at the screen and be horrified at the results of the exercises on the new platform at our expense.
4. The direct transfers of money from any external financial institutions to the PFCU Home Loan account now impossible. This can be done only from PFCU bank account.
5. I was dropped out of the new Home Equity Loan number- there is now only my husband 's surname. So when I arrived on XX/XX/XXXX at the branch in XXXX XXXX XXXX, VA with the original Home Loan documents- where my name is present - they simply refused to talk to me ( it was the woman named Ambush ).
6. Clerks sitting in branches also lost access to clients mortgage accounts. They are can't doing nothing for us.
7. If we manage to get through on the phone, the different people have a different answers, their answers are not to the point. The main answer is that they have a mess with new platform. They promise to correct the situation, and in fact the correction follow exactly the opposite.
Chronologically, our torment looks like this ( we have all screenshots of transactions and I can attach them ) : On XX/XX/XXXX I brought {$3500.00} in cash to the PFCU office in XXXX, VA, and deposited it into my husband 's saving account ( Docum XXXX ). At the same hour the husband try transferred online {$3200.00} from his saving account to the XXXX XXXX account ( according to the new software platform, XXXX XXXX ). The next day the principal balance decreased, but on Monday, XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ), it returned to its original amount as on XX/XX/XXXX. After an hour of phone talking XXXX XXXX XXXX offered to pay again, but count as if not payment on XX/XX/XXXX, but on XX/XX/XXXX ( this means that interest is calculated over a longer period ). When we asked talk to a supervisor- XXXX said that he was not there and he would call us back ( did not call back ). On XX/XX/XXXX I went to main XXXX XXXX in XXXX VA clarify the situation. XXXX XXXX explained that he did not have access to our XXXX XXXX account and could only ask for payment over the phone again. The mysterious man from the phone said : the previous payment on XX/XX/XXXX through the new platform was made incorrectly - to old account. XXXX again asked to transfer the money to the correct new account. The operation was reflected in the account not immediately ( as was the case with the old software ), but the next day XXXX XXXX XXXX XXXX
In fact, realizing that the new soft is complete horrible and that difficult times are beginning for clients, we decided to extremely reduce the balance of our XXXX XXXX in PFCU.
On XX/XX/XXXX at XXXX AM we called the home loan department and asked XXXX XXXX XXXX to transfer {$9900.00} from my husband 's saving account towards the principal balance of the XXXX XXXX XXXX. The amount left the account and went to the loan, reducing the principal balance by the specified amount ( Docum XXXX ).
On XX/XX/XXXX, at XXXX AM we again asked XXXX to transfer {$9800.00} from the saving account toward the principal balance ( Docum XXXX ). On XX/XX/XXXX this amount was debited from the saving account ( Docum XXXX ) but did not come anywhere. On XX/XX/XXXX I went to PFCU branch in XXXX XXXX XXXX in VA to find out where the money went. They did not talk to me due to the absence of my name in the new account. On XX/XX/XXXX my husband called the XXXX XXXX department- no any result. Another lady could not find where the {$9800.00} amount had gone and offered to just wait.
But already on XX/XX/XXXX we saw on the computer screen that on XX/XX/XXXX ( Docum XXXX ), part of the home loan payments ( {$13000.00} ) has been canceled by someone, and the last payment on XX/XX/XXXX in the amount of {$9800.00} was marked as a " mortgage payment '', but the princial balance at the same time did not decrease. Accordingly, our principal balance returned to its original position as of XX/XX/XXXX ( Docum XXXX ). At the same time, the day of our next payment also returned to XX/XX/XXXX- as if we had not paid anything since XXXX. The canceled payments were not returned back to the saving account ( XXXX XXXX ).
Thus, the amount of {$22000.00} was stolen by the new platform. This is dead end.
We ask you about help : to oblige the mortgage department PFCU 1. Get our money back.
XXXX. Return all of our payments made in XXXX to the home loan account in accordance with the original dates of our requests.
It means : {$3200.00} - XX/XX/XXXX {$9900.00} - XX/XX/XXXX {$9800.00} - XX/XX/XXXX XXXX. Recalculate the interest and principal balance according to these amounts and dates. The Ending Balance must be {$18000.00} ( XXXX XXXX ) XXXX. Our further payments must be made without fraudulent schemes. If the new software doesn't allow it, go back to the old XXXX. At least for the period until the new year. For 10 years of cooperation the old software deserves XXXX stars.
And in conclusion : The " new platform '' has taken both clients and clerks from branch PFCU to the extreme. I would like to know who wrote the new software and for how much money.
|
| 10/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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Dear Sir or Madam, 1. PENTAGON FCU Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with PENTAGON FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/21/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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|
Web |
|
|
I am writing to find resolution with Penfed on the HELOC on property XXXX XXXX XXXX XXXX CA XXXX - a duplex - which has two tenants. The heloc is the only loan ( there is no first mortgage/other loans on the property ). I have been a loanholder with Penfed for many years, since XXXX of XXXX and had an excellent history of payments, never any lates, until COVID where I became unemployed for 6 months and then when I regained employment with my former contractor it was at a reduced volume and hence less income. I would also like to note that I have two loans with Penfed and I have remained current on the other loan despite the challenges Covid has brought.
Its important to note on this property that even though I was already faced with a period of unemployment and then reduced income, I have also had to contend with periods of no rent. The tenants on this particular property have had many instances of not paying rent. Late XXXX i did not receive rent for a period of 4 months until the county finally approved assistance for the tenant and i was paid by the county. I'm now in the third instance this year of waiting 2 to 3 moths for rent from one or other of the tenants. Currently even for this month of XXXX as I write this, one of the tenants was laid off and has not paid yet again. In XXXX XXXX the other tenant caught covid and was hospitalized so i did not receive rent for 2 months. It has been an ongoing cycle of unpredictability and me covering payments and expenses on the property not knowing if i would receive the rent or when of if i would have to go to eviction proceedings which were not allowed anyway until last month due to the eviction moratoriums. I have attached emails of communications with my property management company that reflect the non-payments of rents.
Penfed offered me an opportunity to submit a hardship application. I did so and the loss mitigation department confirmed via email on XX/XX/XXXX ( see email thread attached ) they had the complete packet and a decision would be made within 30 days, so by XX/XX/XXXX. I was explicit with my Penfed point of contact XXXX XXXX on many phone calls that if i were to move forward with the application that my credit would be protected because if not i would figure a way out to become current so i can keep my property and not have my credit affected, I was assured my credit would not be affected whilst in the process. This was extremely important to me.
I had not heard from Penfed and happened to notice on one of my credit cards that my credit score had dropped significantly into the XXXX 's. I immediately reached out to Penfed to find out what had happened with my application. I was told that it had been denied back on XX/XX/XXXX. Apparently XXXX had phoned and left me a voicemail on XX/XX/XXXX which i did not hear as my friend and i were unfortunately assaulted on the evening of the XXXX and robbed. They took my entire handbag including my phone. I did not actually know they had called me as i had to wait on a new phone through my insurance and use a temporary phone in the meantime which was very limited in its capability so i was unaware they had called. I have since heard the voicemail and it does not specify that it was important i call back. I should note that i had received many calls from Penfed over the prior months and this vm message was no different in tone. It also was the ONLY effort PENFED made to notify me of the denial! There was no written communication via mail or email and no further efforts by them to reach me. I also was under the impression that i would not hear until the 30 days period was up and that i was going to be notified in writing as that was the benchmark that had been set, as i had received multiple email communications with the loss mitigation department right through the hardship application process. This led me to believe along with conversations with XXXX that should I be denied I would be notified in writing. In addition my understanding was that in the case of a denial, I would be given the opportunity bring my loan current and keep my credit in tact. None of this happened. My credit has now been compromised and we did not come to a resolution on my loan that i thought would be workable under my new circumstances and with tenants still struggling to pay. I was since told on phone calls i was denied for showing a loss in income monthly. Which had i been notified i could have clarified that in fact i couldn't survive if i were losing money monthly and i do not run at a loss. So obviously there was some misunderstanding of my finances on their part and no effort on their part to clarify that with me before issuing the denial.
Please also note i made many many phone calls to Penfed in the last 2 weeks once i became aware to try to rectify this with them and made a very reasonable offer which they also denied. They will have records, or they should as i was told verbally they took notes. I had asked for written confirmation and was told that's not something they do. Also i only received a notice of the denial in writing only after i phoned in to follow up and requested it.
With all this said and the extreme circumstances created by Covid combined with the low interest rate market and the fact that i do in fact make income monthly i do not feel their assessment and decision was fair or handled appropriately. They failed in their communication to me their longtime client and in providing the opportunity i was told i would have to rectify the situation should i be denied. I am therefore requesting that you could assist in requesting Penfed re-assess my file again and most importantly repair my credit to its prior status so that it does not reflect a serious delinquency. I would also ask that in their re-assessment that they are in better communcation so I am aware of any decision made.
Thank you for your time and assistance in this matter.
|
| 06/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
To whom this may concern : We are first time home-buyers. On XX/XX/XXXX, at approximately XXXX, we were introduced to XXXX XXXX by our realtor, XXXX XXXX after our previous loan pre-approval had expired with another lender due to COVID-19 and the fluctuation of interest rates ( stated by our realtor ). Mr. XXXX sold us on the possibility of a lower interest rate and being able to grant our desired loan amount. He explained he would send us an application to fill out so he could issue us a pre-approval letter ; he sent us an email on XX/XX/XXXX. On XX/XX/XXXX, we were issued a pre-approval letter. *Evidence attached to justify this claim* XX/XX/XXXX, we negotiated with the builders, alongside our realtor and signed the new home purchase agreement to purchase our home on XX/XX/XXXX based on the pre-approval letter Mr. XXXX provided for us. We were a little concerned because we roughly {$1000.00} over our preferred spending limit, however our realtor reassured us that she had just spoken to Mr. XXXX and he stated the extra amount would not effect our monthly mortgage payments.
XX/XX/XXXX we spoke to Mr. XXXX to update him on the down payment applied to the negotiated seller price and how much we put down to secure the home in its building process. Mr. XXXX added he would be in contact with us on Friday ( XX/XX/XXXX ) to go over interest rates because he stated interest rates would be lower on the weekends and that we needed to lock in the rate before they went up. Being first time home buyers, we were a little reluctant and asked for additional time to go over the rates he provided for us and how that may impact our monthly bills. Mr. XXXX gave us until Sunday, XX/XX/XXXX urgently adding we needed to quickly lock in the rate because they would increase the next week. He said he would be available on Sunday to assist with locking in our interest rate.
Sunday, XX/XX/XXXX, we called Mr. XXXX a few time to get in contact with him and asked if we could call him around XXXX when everyone was available to talk. There was no response from him after two attempts to reach out to him.
Monday, XX/XX/XXXX, we were panicked at missing the rate he stated would go up that week. We texted Mr. XXXX to inquire his whereabouts on Sunday and how we were concerned we may have missed out on an opportunity to get a better rate. He responded by texting back he was with his out of his office and with his daughter and would get back to us with the new rates. Frustrated, we explained that we reached out to him a few time and even on Monday had to reach out to him because he failed to keep us abreast of what was happening and how to proceed. There was no response from Mr. XXXX. We called to reach out again around XXXX ; still no response.
We called Mr. XXXX again on XX/XX/XXXX, after getting no information, no return call, not reached out to. Again, no response. We decided to reach out to another representative of Pen Fed to hopefully get information about our pre-approval letter after we were told that we were supposed to have been issued a Loan Estimate from Mr. XXXX and had not. We reached XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX. Mr. XXXX asked for our names to locate the Pre-Approval letter and after a few minutes stated there was no record of a Pre-Approval in their system. After providing more information, Mr. XXXX found that the loan had been denied on XX/XX/XXXX. This was the same day Mr. XXXX tried to lock us into a rate. He added he was unsure what happened and had to speak with his manager. After further research the automated underwriting system stated there were no assets listed which made it come back referred with caution. Mr. XXXX understood from our conversations and the application, for the pre-approval, we provided to him that we have a XXXX, down payments as well as additional assets to go in conjunction with everything else he requested from us, although the formal application was never provided to us. After speaking with Mr. XXXX, we asked for Mr. XXXX 's supervisions information to file a complaint.
XX/XX/XXXX around XXXX, after calling at XXXX with no response, we received a call back from Mr. XXXX 's supervisor, Ms. XXXX XXXX ( LN # XXXX NMLS # XXXX ). After explaining the situation to Ms. XXXX she explained she looked over our information and our application was denied, in explanation for Mr. XXXX 's lack of communication and answer to our concern. We explained the denial was not our concern. Our concern : We have less than a month to closing on the house we signed a contract on. In addition, we placed funds as part of our down payment with the reassurance we were pre-approved for our loan and about to lock into a rate. There was no communication from Mr. XXXX about our status of change and no consideration when it came to updating us on the next steps. We are now in the process of shopping around in hopes to acquire a loan before our closing date. Apologies were not given just more excuses as to what could have been done if she handled the application.
We are highly disappointed with the lack of customer service Pen Fed Credit Union has displayed and the fraudulent process Mr. XXXX proceeded with when pressuring us to quickly lock in a rate that was supposed to increase the following day. As well as the lack of concern from his supervisor, Ms. XXXX. This entire situation has put us in a tight bind and possibly at risk of losing the downpayment we submitted to our builder. We are need of compensation for our time and the risk of our finances under the promises from Mr. XXXX that we were secured in our application process. He needs to attend additional training or released from his position for putting customers at such a high risk. Please respond to this complaint as soon as possible as we are curious of the next steps. We have additional expressed this concern to the NCUA Consumer Assistance Center.
|
| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. PENTAGON FCU Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX.
I immediately disputed this information with PENTAGON FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. PENTAGON FCU Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with PENTAGON FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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To whom it may concern, I reported my PenFed CU Power Cash VISA # XXXX as lost on XX/XX/2020.
There were a few charges on the card that I declared as unauthorized, which are as follows : XX/XX/2020 XXXX Boutique XXXX XXXX XXXX {$12000.00} XX/XX/2020 XXXX Store # XXXX XXXX XXXX {$6300.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} XX/XX/2020 XXXX Tire Store # XXXX XXXX XXXX {$530.00} Upon reporting of the unauthorized transactions, my card was promptly closed, and I was told a new card will be issued, and sent to me via mail, within 7 to 10 business days. I will also receive a document in the mail that I will need to sign, and send it back.
On XX/XX/2020, I received a voicemail from the phone number ( XXXX ) XXXX from a person named XXXX, who claimed to be calling me from PenFed CU, and that I need to give him a call.
I called XXXX, at around XXXX EST, and without asking me any security questions to verify my identity, he said he had called me to verify some of the recent activity on my credit card. He went through a charge or two. I said I do not recognize these charges, and I actually had called PenFed last week, reported my card as lost, and declared those charges as unauthorized. He kept asking me about different charges, and I told him, I am driving at the moment, and do not have access to my phone to go through the full list of the charges, however, I went through them all last week, when I spoke with one of his colleagues, and can call him back when I am no longer driving, and have time.
With a very aggressive voice, he told me he is not buying it, and he is not gon na refer the transactions to their fraud department to investigate, and I get away with it. I reminded him that according to Reg E, the bank has a duty to investigate, which he replied to, very rudely, do not read me the bank act.
I kept my composure, and asked if you look at my credit card statements, can you actually find instances of an authorized transaction that I paid for with those merchants? In other words, can you see, based on my credit card statements, and previous accounts history, that I have ever had a relationship with those merchants? He replied to me no. He said again he is " not buying any of it '' and this is such a lucky coincidence.
I asked him. Are you accusing me of fraud? And he said Yes. I said Can you put that in writing? He said No. I asked for his last name, and he refused to tell me. I said, how do I even know you are from PenFed? You did not ask me any security questions regarding my account, or even provided me with my account numbers, and he replied How can I know all these information from you and the transactions, if I was not with PenFed? He told me He is very good at his job, and he believes these transactions are not fraud, and he is not gon na refer them to their investigation team.
XXXX was very rude and unprofessional. I, again, reminded XXXX that according to Reg E, the bank has a duty to investigate on any charges that I declare as unauthorized, which he replied to with Yes. You are a real victim! with a very angry voice, and hung up the phone on me. Professional conduct at its best.
After the call, when I logged into my PenFed online banking account, I noticed all my credit card accounts have been closed, and the available credit has gone down to zero.
I contacted PenFed at ( XXXX ) XXXX an hour later from this incident to see if the guy I spoke to was even related to PenFed, and I was told, they can not find the number ( XXXX ) XXXX as either a direct line or a general line related to PenFed. To make sure, I asked the agent regarding the status of my claim, and I was told, it shows it is still in progress, and for information regarding the claim, contact XXXX, but the phone number they have of him on their notes is different. I was told this department is not related to PenFed, and they are the people who handle dispute claims on PenFed cards.
Reg E does not definitely give the bank the right to have a wanna-be-tough guy named XXXX call the customer, and try to force him into submission, and withdrawing his claim. According to Reg E, you can not just refuse to investigate a claim, because you are not buying it and you are good at your job.
I am a XXXX XXXX at the XXXX XXXX XXXX at XXXX. I might be negligent or might misplace my card, however, I am not a fraudster. The fact that XXXX thinks he can just call a customer a fraudster since he is good at his job and is not buying my claim while yelling at me and being rude and offensive is not a good reflection on PenFed CU, can have legal implications, and expose the bank to liabilities beyond just violation of Reg E.
I, hereby, request PenFed CU to re-instate my credit card accounts. I do believe XXXX closed all my credit card accounts, since it shows the available credit as zero. I understand I have not been a good customer, and have misplaced my card, however, I would appreciate it, if PenFed CU could reinstate my cards, give me one more chance, and if another instance of fraud occurred on my accounts, due to my negligence, then cancel out the accounts.
Secondly, and most importantly, I, hereby, request PenFed CU to respect Reg E and the duties assigned to the financial institution by Reg E, do a through investigation of my claim, provide me with documentary evidence that was used by the bank to reach a conclusion on my claim ( if it is not in my favor ), and do not hold me liable for these unauthorized transactions that were reported promptly. I am protected by both VISA zero percent fraud protection guarantee, as well as Reg E. If you need me to sign an affidavit, saying, under penalty of perjury, that I have not made these charges or know of anyone who has made them, please email them to me at XXXX.
Thank you for your time and consideration.
-XXXX XXXX
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| 11/18/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PENTAGON FCU & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 03/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
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This is the letter sent to the Board of Directors concerning the issues -- it contains all the dates, etc -- and the response from the credit union -- I was working with my father ( a veteran ) to help me with this issue : Board of Directors, Sending this email upon recommendation of XXXX ( employee number XXXX -- no last name given ) concerning an issue of points associated with a credit card. My daughter ( XXXX ) XXXX and I had a joint account while she also had a PENFED Platinum Rewards Credit Card ( last four XXXX ). Due to a job loss caused by an auto accident and a desire to support XXXX XXXX she volunteers in XXXX supporting multiple XXXX 's. When she got back in late XX/XX/XXXX we sat down to catch up on medical issues and finances.
Upon investigation we found that she was delinquent on her PENFED credit card and on XXXX XX/XX/XXXX we contacted PENFED to make good on the payment from my father 's money market account XXXX in the amount of {$5700.00} which includes all late fees and interest expenses -- we also requested to redeem the points ( XXXX ) which the representative agreed and once the {$5700.00} transaction was complete we were sent to the point processing center where we were apprised that we would receive two gift cards in the amount of {$500.00} and {$250.00} ( excellent source to pay some of her medical bills ) -- we should expect to see them within a week or so and if not contact the confirmation number given ( XXXX which I don't believe is part of PENFED ).
Never heard from PENFED so called the XXXX number on XXXX XX/XX/XXXX and was apprised the card was closed and points eliminated. Called PENFED and asked to speak to a supervisor and spoke with XXXX ( no last name given but is resident in Nebraska ) who looked in the call record and said she would have to review the call and offered to call back. About an hour later XXXX called back and said I was correct, that a redemption of points was agreed upon and that she would bump the issue up to another supervisor and would hear back on Monday XXXX XX/XX/XXXX -- told her that was XXXX XXXX but she said they were working. Heard nothing and finally got a message from the XXXX number and was told the card was locked -- asked to speak to a supervisor but they claimed they were not a PENFED organization and that I would have to call PENFED.
On XXXX XX/XX/XXXX I called PENFED and was able to talk to XXXX again -- told her I never received a call on Monday XXXX XX/XX/XXXX ( she claims she left a voice mail but I have no such record ) and asked what happened. She explained that her supervisor and then the Director of Delinquency reviewed the issue and denied it. I then asked to speak to XXXX 's supervisor and spoke to XXXX at length. She said she never listened to the phone call of XXXX XX/XX/XXXX but admitted I was given " wrong '' information, they weren't going to reactivate the card and I had no other options. Asked to speak to the Director of Delinquent Accounts ( XXXX, XXXX ) but he wasn't in and XXXX said it was his decision although he didn't listen to the call of XXXX XX/XX/XXXX either. Asked for a copy of the phone transcripts or audio files and said they would only be released with a subpoena. Finally asked what my options were and XXXX basically said nothing and then requested the number to the President or CEO and was given this email to write.
I have been a member since about XXXX and this is about the worst service I have received with any business I have had a long term relationship. Every loan was paid ahead of schedule and lots of funds invested in CDs providing a small measure of liquidity for other PENFED loans. It is not only the lack of responses or XXXX 's condescending attitude it is the " in your face '' we ( PENFED ) know we made a mistake but will not even consider to rectify and there is nothing you can do about it. My daughter made a mistake and, good to our word, we fully repaid every cent PENFED was owed -- is PENFED going to be good to their word? I await your investigation and response.
Chairman Response : Dear Ms. XXXX, I received the email below from your father, XXXX XXXX, regarding your PenFed Visa. We do not show him as joint on your Visa, and are providing this response to you only.
I am sorry to hear of your accident and job loss. I am aware you were out of the country for a portion of XXXX supporting XXXX. I admire your dedication and volunteerism.
Monthly payments were still required on your Visa during this time. When we did not receive a payment, your Visa became significantly past due and we closed it to further use on XX/XX/XXXX. Per the Program Rules, Terms and Conditions for your Visa, If you close your Account or if we close it because you default on your Agreement, your Points will expire immediately.
I understand Mr. XXXX spoke with us to pay off your Visa after it was closed, and we advised the points would still be available for use. I apologize for this misinformation. However, the points did not expire because of the misinformation. They had expired when the account was closed due to being delinquent, and we are unable to reinstate them.
I recognize it is disappointing to lose the points and this is not the outcome you were hoping for. I wish you the best in your future banking experiences.
Sincerely, XXXX XXXX XXXX Chairman of the Board of Directors XXXX XXXX, XXXX, VA XXXX PenFed.org
|
| 04/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
Older American |
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I have a Home Equity Line of Credit ( HELOC ) with Pen Fed Credit Union which was started on XX/XX/XXXX and which is up in XX/XX/XXXX. The account number is XXXX There was {$99000.00} of principal as of XX/XX/XXXX as per the Pen Fed web statement dated XX/XX/XXXX attached. This HELOC was never recorded.
On XX/XX/XXXX I called Pen Fed at the Member Service Center Line XXXX to inquire what it would take to bring the account to XXXX on or before XX/XX/XXXX. I then mailed in check No. XXXX ( Copy attached ) dated XX/XX/XXXX for {$100000.00} which was more than the amount necessary to bring the account to XXXX.
When that check was not debited from my account on XX/XX/XXXX, I called Pen Fed again to inquire what happened to the check. I spoke with XXXX and told him that 6 other checks in sequence were all dated XX/XX/XXXX and mailed at the same time in the same mailbox and that all were debited on or before XX/XX/XXXX. It seemed clear that Pen Fed was delaying the deposit to generate additional interest income. I told him that they had to deposit the check as I wanted the account closed.
On XX/XX/XXXX, I printed the HELOC statement attached and called Pen Fed again and spoke with XXXX. I complained that they held the check without presenting it for payment. I demanded that the account be closed. She said that I did not follow instructions for a payoff and that they were going to return my check but deposited it after I called. I submit to you that Pen Fed has no right to delay presenting a check in payment of a loan and that they would have no right to return the check.
I note that Pen Fed sent me by mail payoff instructions and insisted that it would have to be by wire or certified bank check. The actual date of clearance was immaterial to me because I paid this personally and expected that the account would be brought to zero and I could have it closed. The Pen Fed representative insisted that they would have to issue a satisfaction to be recorded. I told her that no satisfaction was required as the loan had never been recorded. To prove that I am correct I have attached a print out from the XXXX XXXX XXXX Official Records Search. That clearly shows no recording in favor of Pen Fed. That is when I was told that they would now record the loan and then file a satisfaction. I requested that a supervisor call me back but no one did.
On XX/XX/XXXX received an email via XXXX secure messaging with a demand for a CASHIERS CHECK, CERTIFIED FUNDS OR WIRE [ transfer ] and demanding that I return the document with funds to close the line of credit at which time PENFED WILL PAYOFF THE LOAN AND INITIATE THE RELEASE OF LIEN ON THE PROPERTY. A copy of the message is attached. There is no provision to reply to this message so I called PenFed again and first spoke with XXXX who harangued me about the lien which would have to be released. She would not listen to me when I said there was no lien because the HELOC was never recorded. She then said that PenFed would record the loan ( even though it was a XXXX and I wanted it closed ) and then issue a satisfaction. When I told her I wanted the email address of an officer of PenFed to whom I could send a complaint she refused to provide any such email. She transferred me instead to supervisor XXXX who said the same thing. This call took more than 20 minutes and was another waste of my time. I told both representatives that I would be filing a complaint with the Consumer Financial Protection Bureau and they dont seem to care.
I have advised the PenFed representatives that I have a new HELOC pending with another bank and that if PenFed now files a lien it will hold up my new HELOC and cause me significant damage. I asked the two representatives to give me their legal department and that request was refused.
Account Activity section of my XXXX XXXX XXXX statement shows that check No. XXXX for {$100000.00} which was dated and mailed on XX/XX/XXXX was not debited until XX/XX/XXXX. Check No XXXX also dated and mailed on XX/XX/XXXX was debited on XX/XX/XXXX. Check Nos. XXXX, XXXX, XXXX, XXXX ( same account but different number series ) were all dated XX/XX/XXXX and debited between XXXX & XX/XX/XXXX. They were all mailed at the same time and in the same mail box as the check to Pen Fed. Check No. XXXX has an error on the date of XX/XX/XXXX because it was actually mailed on XX/XX/XXXX and debited on XX/XX/XXXX. The dates of the checks are confirmed by the Check Copies from the XX/XX/XXXX Statement.
In addition, there were 3 check to XXXX dated and mailed on XX/XX/XXXX which were debited as ARC debits on XX/XX/XXXX. It is obvious that Pen Fed held check No. XXXX for {$100000.00} for several days to generate additional interest against my HELOC account.
Would you kindly investigate PenFeds practices with regard to Home Equity Loans and their holding of checks to generate additional interest. The demand sent XX/XX/XXXX is dated XX/XX/XXXX and amounts to extortion. Unless you correct me with some statutory reference I believe that the unrecorded loan is no different than any other loan and that I am entitled to close the account after paying the full amount due. The submitted documents demonstrate that there is no balance due. The sequence of checks demonstrates that they held my check to generate additional interest and that, to me, is a fraud.
|
| 04/30/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
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|
Web |
Older American, Servicemember |
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Complaint synopsis. I initiated an international wire transfer on XXXX XX/XX/XXXX of XXXX dollars. As of this writing, three weeks later, I have not received my funds either at the prescribed destination bank or refunded to my original bank account. PenFed has been vague with providing me with any useful information pertaining to the status of my funds. PenFed transparency is questionable and sometimes information is contradictory. PenFed refused to inform me where or when I could expect to receive my funds, or what specifically they were doing to located the funds. PenFed provided me IMAP numbers instead and advised me to ask the receiving bank whether my funds had arrived. Only after my third inquiry, did PenFed reveal that the funds transfer transaction was initiated on XXXX XXXX not XXXX XXXX ( when I called and requested it ). Please see that attached Receipt that indicates fund transfer on XXXX XXXX.
PenFed would not recall the routing or account number to me when I asked. I wanted to confirm that PenFed sent funds to the correct account.
PenFed would not provide requested documentation ( amendment, memo/letter ), associated to the IMAP numbers sent XXXX XXXX ; and reference # sent on XXXX XXXX. A PenFed customer service supervisor with a name but no position information in the signature block, sent a meaningless email ( see email attached ).
When I contacted the receiving bank, twice, they had no knowledge of the IMAP numbers and told me that the originating bank needed to do the trace. The representative revealed to me that the originating bank uses a middle bank to service the currency exchange. PenFed should have informed me of this information. I could have contacted XXXX XXXX earlier in search of my funds. Later, a PenFed help rep told me that PenFed uses XXXX XXXX bank to execute their currency exchange transactions.
Time lines : XXXX XXXX XXXX, XXXX p.m. I contacted the PenFed help desk. The representative provided me another XXXX #. The PenFed help representative requested that I contact the receiving bank and told me that the IMAP # was a trace #. She said PenFed was waiting to hear back from the receiving bank. I received no response from the help rep when asked how long they would wait to hear back from the bank.
XXXX XXXX XXXX, I contacted PenFed help representative and communicated that I still had not received the wired funds. The representative gave me another IMAP #, that she said was sent on XXXX XXXX, and that PenFed was waiting for the receiving bank to respond. She stated that the IMAP # was an amendment/ memo that was sent to the receiving bank recalling the funds. She stated that all XXXX dollars would be placed back into my account. I asked what type of amendment/memo this was.She did not know. I asked the PenFed representative when I could expect to receive my wired funds.She did not know. She then stated that the funds were being recalled. I was surprised to hear this because I did not request the recall. Nor did any PenFed representative inform me of this action prior to executing this action. An explanation for the recall was not given.
XXXX XX/XX/XXXX, I requested that the PenFed help representative initiate an investigation into the status/whereabout of my funds. I was not notified or received any documentation that an investigation was initiated. The representative admitted that the wire transfer was initiated on XXXX XXXX not XXXX XXXX.
I asked the rep if PenFed knew the location of my funds? She said no. I asked if there was a plan for locating the wired funds and retrieving them. She stated that PenFed was waiting for the receiving bank to respond. No other information was given.
XXXX XX/XX/XXXX, I called the receiving bank for the second time and inquired about another IMAP # that was sent. The bank representative call the Bank HQ is XXXX, XXXX and a main bank in XXXX, XXXX. The receiving bank rep said they had no record of the IMAP # s that I provided. The receiving rep stated that only the the initiating bank can place a trace on the wired fund. She stated there is an intermediary bank that PenFed uses and is possibly where the funds are held up.
At XXXX p.m. the same day, I contacted the PenFed help desk and relayed the aforementioned information. She stated that PenFed initiated another recall today, and provided me with another IMAP # and a reference. I requested the document associated to the reference number be sent to me for my records. The help representative could not complete this action so I requested to speak to a supervisor. I made the request for the document to the supervisor. She asked if I wanted a document or email. I told her that I wanted whatever the reference # was associated to, either a document or an email. She sent a meaningless email.
XXXX XXXX at XXXX p.m., the PenFed rep stated that on XXXX XXXX a message/trace # was sent to XXXX XXXX . I asked if they found the location of my funds. She said no. Later, I was told that the funds were at XXXX XXXX and should be placed back in my PenFed Regular Savings account on XXXX XXXX XXXX.
XXXX XXXX. XXXX p.m., PenFed contacted me by phone on another matter of contention. I inquired about the $ XXXX. The rep confirmed that the funds have not been placed in any of my accounts.
|
| 10/18/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
Older American, Servicemember |
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I have a home equity loan ( HEL ) and a home equity line of credit ( HELOC ) at Penfed Credit Union.
Both loans have been converted to their new servicing system. Both conversions had significant errors and resulted in higher interest paid than I would have incurred pre-conversion.
I spent many hours on the phone with their mortgage servicing dept. Today ( XXXX XXXX ) was my most recent call and I am seeing the same issues with the latest conversion after the hours of specific problems being reported, it is clear that the information is reaching the appropriate people, or they don't care. I feel that it is time for a regulatory agency to review their practice and processes.
Background : My HEL was converted in XXXX. of XXXX It was a huge failure and it took hours to get my payments corrected. This month ( XXXX XXXX ) they converted my HELOC. I have the EXACT same issues. Here is the summary of the conversion errors 1. I was NEVER notified of the change of system for either conversion.
2. The monthly payment that I had setup in the old system for both loans were not converted. Penfed edited my automated payment and changed the " no end date '' to the date of the conversion. I received a letter in XXXX that said a change had been to my monthly XXXX mortgage draft and if I had not made it - call them. I did! I received NO notification on the HELOC conversion.
3. The conversion process on the HEL resulted in {$700.00} in interest charged, that would not have been incurred with my autopayment setup under the old system. After spending hours discussing the impact of the conversion of my loan and the deletion of my automated payment, they corrected the missed payments ( see # 5 below ) and my equity payments were updated to reflect what I would have paid under the old system.
Issues with the new system 4. The new HEL system will not allow an automated payment that includes an extra equity amount. You have to manually enter a payment that has extra equity and it won't allow me to setup more than 3 months of manual payments that include extra equity ( literally ignores the extra equity amount entered and setups a regular payment ).
5. The new HEL system will NOT autopay, if you are ahead on payments ( I have included an extra amount for years, so I had no payment due ). On the HEL conversion, they setup my account to autopay. However, I was ahead on payments, several payments were " skipped ''. Because I had not known about the conversion and things had been rolling along fine for years, I assumed ( my error ) my payments were being made.
6. For the HELOC conversion that took place this month, I was not setup for autopay in the new system at all. I would have completely missed this months payment ( and incurred extra interest ) if I weren't checking my balances weekly now and saw that they had converted the system.
7. The new system does not provide and automated way to make an additional equity payment. This was a capability in the old system. If you want to pay extra, you have to login each month and manually include the extra payment.. That is a significant loss in functionality. e.g. I had setup an monthly {$800.00} payment on my HELOC. My payment due amounts vary monthly and my next payment due is {$380.00}. I will not have to login everymonth - after the payment amount is posted and before the payment is due, to calculate the difference between my desired payment amount and the payment due amount and add a manual transaction to pay the extra equity. It appears that they are making it as difficult as possible to pay extra equity.
8. The new system does not support uploading data to XXXX. The old system did. This was a significant loss of functionality.
9. My loan history ( pre-conversion ) is not visible in the new system. That was NOT converted. With the inability to upload info into quicken, I now have to manually enter each payment amount ( and manually check the amount applied to principle and interest ) to ensure my balance is being correctly updated. My lack of trust in the new system mandates that effort.
I am including2 attachments. The first contains 3 documents that relate to the HEL conversion. The second contains screen shots that show my automated payment info being updated by PENFED and the skipped payment that was scheduled for XX/XX/XXXX Documents list :.
1. My last HEL statement under the old system dated XX/XX/XXXX. This statement shows that I had no payment due until XXXX. As a result of being ahead on payments, the new system skipped my XXXX payment.
2. The letter I received in XXXX letting me know that my autodraft had been changed and if I hadn't done it - call them. Apparently the conversion folks did not even inform PENFED that they were changing my information?
3. My first HEL statement in the new system dated XX/XX/XXXX. Showing my XXXX payment amount was being completely applied to interest as no payment was made in XXXX. see # 5 above. PENFED has corrected this error, but it required escalating my issue to a manager, after repeated promises by customer service to submit the problem and return my call.
Finally - from my conversations with customer support I am one of many who have been impacted by the conversion.
|
| 11/04/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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Hello, I opened a HELOC with PenFed Credit Union back in XX/XX/2020.
Then I started realizing their system were having issues so I decided to start paying off my balance on my loan so to close the account since their customer service was very poor.
I transferred {$5000.00} on XX/XX/XXXX, then another {$5000.00} on XX/XX/XXXX, and then another {$5000.00} on XX/XX/XXXX from my other bank to my regular PenFed account, then from my regular PenFed account I paid {$5100.00} on XX/XX/XXXX to my PenFed HELOC account but they reversed it on the same day XX/XX/XXXX saying there was insufficient funds in my regular PenFed account even though it said the funds had posted it was showing I had {$15000.00}.
So I made another payment of {$5000.00} from the regular PenFed account to the PenFed HELOC on XX/XX/XXXX and again it was reversed saying I had insufficient funds. I also transferred another {$5000.00} from my other bank to my Penfed regular account on XX/XX/XXXX. So by now I had a total of {$20000.00} in my regular account.
On XX/XX/XXXX I paid {$5000.00} again to my Penfed HELOC account and this time it accepted the {$5000.00}. Then on XX/XX/XXXX I paid another {$5000.00} to the HELOC account and then on XX/XX/XXXX I made a payment of {$7600.00}. I also made another {$7500.00} payment so now my balance was around {$17.00}.
So on XX/XX/XXXX or the XXXX I logged in to may the final payment of {$17.00} to bring the balance to {$0.00} and I noticed that there was no payment option since they had upgraded their system. So now I have to call their customer service and wait almost 2 hours just to make a payment. I finally made the payment and the agent said my balance is now {$0.00}.
Then a week goes by and I noticed on XX/XX/XXXX I have a {$100.00} interest statement in my account, again I could not make the pay online since there was no payment option, again I called their customer service and waited an hour and 30 minutes just to make the payment and it turned out I only owe {$46.00} which I paid. At this point I asked the agent when will I be able to pay online, they said they have no idea and it could be 3 or 4 months.
To me this is poor service, so I told him I want to close my account. I spoke to their manager XXXX XXXX and she said she needs to let her upper management know and she will have someone call me.
One thing I had noticed with Penfed HELOC they do not even show your previous balances and how much was paid off, they only show the payments made so it gets very confusing if some needs to see what their previous balance is. 3 weeks went but and I heard nothing back from PenFed Union. So around the week of XX/XX/XXXX I decided to take time off from work and drive to XXXX to their Branch to see if I can close the HELOC account and waive what ever closing fee I have to pay since it is their system having issues. I talked to the manager there and he said he can not do anything and that he will send an email to the mortgage department so they can close the account. The lady working at the office admitted that other members are experience the same issue with the website and they can not make payments. I asked her so what is a customer suppose to do and she said I can always call in if I need to make a payment, again this is not an option for me to wait almost 2 hours just to make a payment.
On XX/XX/XXXX I get a letter than I need to pay {$450.00} for the pay off amount, which I felt I should so I called their office and I realized nobody can't help me. Manager said she needs to send my request to upper management so she did but I never heard back.
On XX/XX/XXXX I decided to log into my account to see maybe they have closed the account but they didn't and I noticed there is a loan balance of {$10000.00} now. I thought my account has been hacked and someone taken funds out. So I called their customer service only to be hung up on 3 times, but the 4th time I finally got someone who was nice and willing to help. After 1 hour she still could not figure out how this {$10.00}, XXXX was showing in my account when my balance was {$0.00} and she was the pay off amount was {$450.00}. So she said she needs to send my account to upper management, I told her the last agent tried this for another issue but I never heard anything back and now this issue is more serious since someone may have taken {$10000.00} from my account.
She assured me she would raise this to management level. A day later on XX/XX/XXXX a lady called by the name of XXXX XXXX and she said she has looked into my account and has no idea why there is a balance of {$10000.00} and she has to escalate this to upper management and that she will keep in contact with me.
She called me today on XX/XX/XXXX to explain to me that they are still investigating this issue. So here I'm now writing this long complaint asking your office to investigate PenFed Union practice, this seems like a banking fraud and I have also noticed on XXXX their multiple locations have either 1 star or 2 stars and on XXXX I have seen other member complaining about their accounts.
At this point I do not know who to contact so I have decided to reach out to your office.
Thank you, XXXX XXXX
|
| 10/09/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
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|
Web |
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XX/XX/XXXX On Saturday, XX/XX/XXXX I received the attached letter from PenFed Credit Union ( Pn Fed Savings XXXX ). The letter noted that I, XXXX XXXX, had opened a Premium Online Savings Account at PenFed on XX/XX/XXXX. The letter was addressed to an address that we moved into on XX/XX/XXXX. I checked on-line to verify that PenFed was an actual financial institution.
Unfortunately for me, I did not open this account. On Monday, XX/XX/XXXX. I called the number for PenFed found at the bottom of the page of the PenFed letter ( XXXX ). I had looked up PenFed and found that the number was one that PenFeds website noted was a legitimate phone number for PenFed. I authenticated myself on PenFeds automated system with data that included my social security number. After a significant wait, I spoke with a PenFed customer service rep. The rep was very helpful and he took down the information on the letter. He informed me that the person that opened the account online deposited {$22000.00} on XX/XX/XXXX. The deposit and withdrawal involved XXXX XXXX (? ) and XXXX XXXX. The depositor then withdrew {$5000.00} on XX/XX/XXXX.
I told the rep that I did not open the account and was concerned about potential identity theft. He told me that PenFeds fraud department would be informed of this issue quickly and assured me that PenFeds Fraud department would be in touch with me within 48 hours.
I also checked with our local financial institution about any help they could provide. XXXX XXXX XXXX lead me to a company that XXXX employs to assist XXXX members. The company is called XXXX XXXX. They have been very helpful. XXXX strongly suggested that I file a police report. I did so on Monday, XX/XX/XXXX. The XXXX XXXX Police Case number is XXXX.
On Tuesday, XX/XX/XXXX, a XXXX representative ( XXXX XXXX, XXXX ) and I called PenFed again. This time we were connected with a supervisor in PenFeds customer service department named XXXX XXXX ( extension XXXX ). Ms. XXXX did not provide any further information except that we would be contacted by PenFeds Fraud department within 2 days. We were informed that the account had been locked and I could not obtain access to the account. We were encouraged to call back if we did not hear from PenFeds Fraud department within a couple of days.
Ms. XXXX and I called again on Thursday, XX/XX/XXXX. We were not permitted to speak to Ms. XXXX nor any other supervisor. Ms. XXXX suggested that I file complaints with FTC, the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. I am filing this account of the issue with organizations. I also placed a freeze on all the 3 largest credit bureaus for both my credit history and my wifes, XXXX XXXX, credit history.
I then contacted a lawyer that specializes in payments. He suggested that in addition to the above organizations that I file complaints with the appropriate organizations in the State of California such as the Secretary of State and Californias consumer protection bureau.
We moved back to XXXX County on XX/XX/XXXX after selling our house in XXXX XXXX county ( XXXX XXXX XXXX. XXXX XXXX, CA XXXX ) that closed on XX/XX/XXXX with funds transfers into a XXXX brokerage account. We have also applied for refinancing on the loan on the house that we own and moved into ( XXXX XXXX XXXX XXXX XXXX, CA XXXX ). Both Old XXXX Title in XXXX ( escrow officer for the sale of XXXX XXXX XXXX and the loan officer for the refinance ( XXXX XXXX in XXXX ) have been contacted and informed of the issue.
Since this PenFed account was opened on-line ( or so I have been informed by PenFed ) PenFed will have an IP address for the on-line conversation that opened the account in their logs. Additionally, PenFed informed us that the deposit of {$22000.00} was made via wire transfer from XXXX on XX/XX/XXXX. We have checked our XXXX accounts and the funds did not originate from any of our accounts. We have also been informed that the withdrawal conducted on XX/XX/XXXX was wired to an account at XXXX XXXX (? ). Wire transfers require sender and or receiver identification. It seems that locating the data for the opening, deposit and withdrawal can be easily obtained and may even be found inside PenFeds own logs.
On Friday, XX/XX/XXXX, I contacted PenFed again and was connected with a supervisor named XXXX XXXX. Ms. XXXX was very helpful. I agreed to send PenFed my description to date ( this document ) and informed her that I was opening complaints with several federal and state organizations with oversight on consumer financial activities. Ms. XXXX encouraged me to send this document to PenFed and provided an e-mail address for the transmission. Ms. XXXX encouraged me to contact her should further information be necessary. I have sent this letter to PenFed as suggested. PenFed has noted that they will be sending mean affidavit My wife and Is concern is the loss of our personally identifiable information that leads to further fraud. We look to your organization assist us in mitigating this breach of our information. If you have any suggestions for how we can mitigate this act, we are looking for help. Our contact information is below.
Sincerely, XXXX XXXX
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| 01/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American |
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Pentagon Federal Credit Union ( PENFED ) has damaged my FICO score by over 100 points due to their own apparent incompetence. Apparently, this is nothing new since I see there have already been 788 complaints filed against PENFED.
I had been a member for over 15 years, but as my circumstances have changed, it is no longer convenient to keep an account with PENFED. I typically only use online banking and pay off the full statement balance each month. I now do all my banking with XXXX XXXX XXXX, XXXX, MD.
On the XX/XX/XXXX, in anticipation of closing my accounts with PENFED, I paid the full monthly statement balance of {$1900.00}. Then on XX/XX/XXXX, I went to the PENFED Branch at XXXX XXXX XXXX XXXX, XXXX, MD XXXX and closed my accounts. The agent gave me the cash balance in my share account and told me I was done and needed do nothing else. A few days later I tried to log on to check my PENFED credit card, but could not access the account. With online access closed to me and the guidance provided by the agent a few days before, I believed that my accounts with PENFED were closed and there was nothing more for me to do.
In XXXX I received a letter from PENFED dated XX/XX/XXXX notifying me that my account was delinquent. XX/XX/XXXX, when I received the letter, I called the number indicated in the letter. The agent told me there was an outstanding balance of {$2100.00} on the account I thought had been closed in XXXX. When I asked why the account was allowing charges to accrue, I was told that it should have been closed in XXXX, but as a convenience to me was still accepting charges. It was not a convenience for me since I thought the account was closed and had no visibility of the activity. I could not access it online and I was not receiving paper statements. At this point I authorized the agent to transfer money from my XXXX XXXX XXXX account to pay the full account balance. The agent assured me the account would be closed at this point and I had nothing more to worry about.
Then in XXXX, I received another letter from PENFED. This one, dated XX/XX/XXXX, said my account was delinquent yet again. On XX/XX/XXXX I called the number indicated. The agent explained that the account was still open and accepting charges and now had a balance of {$420.00}. This time it included some charges I would not have authorized had I known about them in a timely fashion. As before, I had no visibility or knowledge of this activity since I had no online access and was not receiving paper statements. The agent agreed to place some charges in dispute and I authorized her to transfer {$270.00} from my XXXX XXXX XXXX account to settle the rest. The agent assured me the account would be closed and this was the end of the issue In XXXX, I received two letters from PENFED. One dated XX/XX/XXXX stating that my account still carried a small balance of {$160.00} and " if you feel there is a discrepancy in this account, please contact us immediately. '' The second letter, dated XX/XX/XXXX notified me that the account was again delinquent. Both letters arrived at my home on the same day just after XXXX. On the XX/XX/XXXX I went back to the PENFED Branch at XXXX XXXX XXXX and talked to the Branch Manager, XXXX XXXX XXXX. After discussing with him the problem and my frustration, he acknowledged that the account should have been closed in XXXX and could not explain why it remained open. He sent an email to XXXX XXXX XXXX and promised ( three times ) I would be contacted and the issue would be resolved and that someone would be contacting me.
On XX/XX/XXXX I found that my FICO score had dropped over 100 points because PENFED reported me 30 days delinquent ( twice ). I went back to XXXX XXXX later that day. I again voiced my frustration that the problem was not being addressed and that the problem was now affecting my credit score. He apologized and sent an email to XXXX XXXX XXXX, XXXX XXXX XXXX, and assured me the issue and my credit score would be fixed and that someone would be contacting me.
Due to a data breach in the Federal Government, XXXX provides credit monitoring for me through XXXX. I received a notice from XXXX alerting me of changes to my credit information. When I followed up with XXXX, I found that on XX/XX/XXXX, PENFED reported me 30 days past due, on XX/XX/XXXX PENFED again reported me 30 days past due, and on XX/XX/XXXX PENFED reported me 60 days past due. PENFED was making these reports to the Credit Bureaus while I was working with them to get their mistake fixed and getting no response.
Throughout this no one from PENFED has contacted me other than the delinquency letters listed above. PENFED 's incompetence has impacted my credit score which harms me financially. On XX/XX/XXXX I was speaking to an agent of XXXX in order to get their internet service. He told me that because of my new, lower, credit score, I 'd have to pay a {$250.00} deposit before I could get their service. Prior to PENFED 's reporting, my FICO score was excellent at over XXXX.
I request your help to get this resolved and my credit score fixed. Thank you.
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| 04/12/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
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|
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Web |
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On XX/XX/XXXX I got a cashiers check from XXXX XXXX XXXX in the amount of {$4000.00} to send to Pentagon Federal Credit Union to satisfy a outstanding mortgage payment. The name of the business ( Penfed ), the account number, and my name and address as the sender was printed in the check as well as PenFeds address. After a months time and no credit issued to my account, I contacted Penfed on XX/XX/XXXX and spoke to XXXX to see why the payment had not been posted to my account. Although very professional, she was unable to assist due to the limited information her system allowed. She then transferred me to XXXX in the Mortgage Retention Department to further assist. Upon speaking to XXXX ( who was also very helpful and professional ), she advised that the system states that Penfed returned my cashiers check to me on XX/XX/XXXX. She was unable to explain to me why the guaranteed funds where sent back. I decided to wait a few more days to see if I would receive the check back. On XX/XX/XXXX I still had not received the check back so I contacted Penfed again and spoke to XXXX. I advised her that I still hadnt received the cashiers check back that they allegedly mailed back to me. I requested the tracking number for the check so I can check into it myself. After placing me on a brief hold to make contact with that particular department she returned to the line to tell me that there is no tracking number available. I find this very disturbing for several reasons but the most notable reason being that I went through a similar situation with Penfed in XXXX of XXXX. I mailed a cashiers check to them in the amount of {$2500.00}. They sent it back to me in a standard overnight envelope date XX/XX/XXXX at XXXX via XXXX. Again, this is important to notate as this protocol wasnt followed with the second cashiers check I sent them. There is no tracking information on a {$4000.00} check! XXXX advised she would escalate the information to upper management. I called Penfed back ( again ) on XX/XX/XXXX to follow up. Because that was a Saturday, the representative advised me to callback on Monday to speak to someone who should be able to help me. On that same day ( XX/XX/XXXX ), I went to my local XXXX XXXX XXXX branch with my cashiers check receipt in hand to see if there was any activity for that check. The branch manager advised the only activity was when the check was originally issued on XX/XX/XXXX. I advised him that the check was allegedly sent back to me and requested a stop payment on the check in an effort to get my money back so I could at least wire the money to Penfed. Unfortunately, the branch manager stated that their bank policy only allows them to do a stop payment after 90 days. On Monday, XX/XX/XXXX I called Penfed yet again extremely frustrated and spoke to XXXX. XXXX looked at all the notes on my account and advised that he was opening up a task to send to upper management to find out where my money is. I advised him that the previous Penfed representative XXXX already did that and I havent received a response yet. Upon further review, XXXX advised that he can see where I spoke to her and she notated the account, however, he didnt see where it was escalated. XXXX also checked the system and could not see a tracking number or any evidence that the check was actually sent back to me. Other than PenFeds word that they mailed the check back, there is no evidence of such, however, I have evidence that I have not received the check back. Although Im perplexed as to why they would mail a check back following a different protocol then theyve used before ( which was XXXX and a tracking number ), I went a little further. Approximately 4 years ago, I signed up for informed delivery with the USPS. I receive an email every morning from USPS with scanned images of mail arriving to my residence for that particular day. I meticulously combed through every email for the month of XXXX and to this very day and strangely the only piece of mail I received from Penfed during the 5 week span of my research was a letter dated for XX/XX/XXXX that I actually received 6 days later on XX/XX/XXXX but STILL no check. At the point of sounding redundant, how is it that I received written communication from Penfed within 6 days, but I still havent received my check back? To date, it has been 26 days since Penfed say they mailed my check back but as previously stated, I can prove that I have not received any mail from them besides whats listed above but they cant prove or show in any fashion that my check was actually mailed back to me. There is literally nothing anyone can do with that check seeing as how its made out to Penfed, not even me and it was my money and even I cant even put a stop payment on the check! At this point, I need answers and this situation needs to be resolved with Pentagon Federal Credit Union immediately. Lastly, I would like to mention that I also have a copy of the check and I have my original receipt. Its not a situation of Penfed not receiving the funds but more a matter of them sending it back with no evidence of such.
|
| 02/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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|
Web |
Servicemember |
|
Received an undated letter from PenFed stating PenFed had purchased my credit card account from XXXX XXXX and on XX/XX/20 PenFed would convert my XXXX XXXX to a Gold Visa Card Account and " There is no further action on my part. '' The letter did NOT provide any other information such as interest rates, can I opt out, what is the effect on me if I opt out of the PenFed Gold Card - literally no more information was provided!
I called PenFed on XX/XX/20 at XXXX, was on hold until XXXX and the call terminated at XXXX. I spoke with XXXX and then her Supervisor XXXX. During the call, I was told I could opt out of the PenFed Gold card by XX/XX/20 ( just mere days from now ) and if I did so I could just pay off the remaining balance over time. I asked what the interest rate of the Gold Card would be and was advised they could not tell me UNTIL the Gold Card was ISSUED???? ( Interesting because I receive card offers with interest stated on the offer and yet PenFed - with whom I have had accounts for years - has my credit history, history of my numerous and paid off accounts and my financial standing and yet they CAN NOT determine an interest rate UNTIL AFTER the Gold Card was ISSUED!
So, I asked what is the interest rate if I just pay off the remaining balance. Would you believe the answer was : " We don't know what the interest rate will be? '' I do not have immediate access to my XXXX XXXX documents but I believe I have a " 0 '' percent interest rate on that account. QUESTION : Can PenFed raise the interest rate originally agreed upon by XXXX XXXX and myself if I opt out of the PenFed Gold Card and, if so, by what authority?
XXXX agreed that it was not fair that I make a decision without all the pertinent information but he could not give me the information I am asking for.
I requested that XXXX/PenFed protect and preserve the recorded phone call and requested a copy of the recording. XXXX advised me that PenFed does not release recordings upon requests and told me I would have to institute legal action or go to the police to get a copy of the recording. I am again requesting a copy of the phone call recording.
I encourage all parties to obtain a copy of the recorded phone call and evaluate the recording because this complaint is based on my notes taken during the call and the recording will contain more details than I have provided in this synopsis.
Additionally, I am deeply troubled that PenFed can just buy an account, advise one that they will issue a NEW Credit Card and no further action is required on the consumer 's part and provide no further details! This can and does AFFECT ONE 's CREDIT SCORE. I can not make a rational decision as to my options without knowing the interest rate ( S ) on all options and PenFed tells me they can not determine an interest rate UNTIL AFTER the CARD has been ISSUED!
While I am not an expert in Regulation Z I believe that PenFed 's practice, above, seems to violate Regulation Z - summarized below : The Truth in Lending Act and Regulation Z protect consumers because : Customers are assured they will learn the actual and total cost of credit they obtain from an institution for personal, family, or household reasons before becoming indebted.
Customers receive easy-to-understand information about home-collateralized loans, including loan terms, rates, conditions, risk, negative amortization possibilities, etc.
In some instances, customers have time to reconsider entering into a loan where their principal residence is being used as collateral for the loan.
Customers are protected from inaccurate or unfair billing practices.
Customers are assured that credit cards and associated procedures are regulated, including a method to resolve credit card disputes.
Customers are assured that advertised products and/or rates are truly available as advertised.
Another concern is that PenFed states there are certain requirements that must be met to be come a member at PenFed. I asked XXXX, if PenFed buys accounts, such as this, en masse, how do they vet the individual for membership ( or do they vet the individual to insure they meet the membership requirements ) and isn't this a " backdoor '' just to obtain new members and he said it may be. For PenFed to advertise certain requirements and then invisibly, in purchase and electronic transfer violate those standards seems to border on false advertising. Please advise me how I could be wrong in making this observation.
Another concern : Is it legal for XXXX XXXX to sell the account without notifying the owner of the account, providing them details and giving the owner any and all available options?
THE IRONY OF IT ALL : When I created the account at XXXX XXXX I initially asked PenFed for the account and they turned me down! NOW they are buying the account they REFUSED to open when I requested it from PenFed!!
If all of this weren't so serious - it would be funny!
I thank all of those involved in the processing of this complaint and appreciate all of you efforts on my behalf.
|
| 06/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
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|
Web |
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I applied for XXXX loans with Penfed CU since y ou have to select a vehicle for low risk loans. After getting my done with XXXX XXXX I took the bank draft from Penfed for $ XXXX and purchased the car on XXXX XXXX , 2017 . After purchasing the vehicle, XXXX tried to deposit draft. The draft was returned unpaid. For some reason that loan was cancelled. But the loan that was supposed to be cancelled was not. After letting Penfed know the situation and the delaer contacting me. Penfed refused to issue a new check or change the loan. The approval was for $ XXXX for 72 months at 4.50 %. They requested I do another loan in the system and request the same amount. The loan came back with an new approval of only $ XXXX . After talking to and asking Penfed to please just make loan same as original they refused. The vehicle was picked up last night from my home. Since I work weekends. I now do n't have a vehicle and will have to quit my job since it is XXXX miles away. Because I traded in my vehicle so after a month I have nothing. Penfed gave me a loan and charged me XXXX times {$15.00} for overnight service. Why did n't they honor the check? Why would n't they just fix something I did n't do they done. They knew I had vehicle because dealer contacted them 10 times to fix error and Penfed ref used. I had $ XXXX equity in my trade and how I 'm I supposed to get that month back and how soon? How do I look for another job after quitting a $ XXXX A YEAR JOB. How do I pay my bills and help my elderly parents get around? I think Penfed should honor our agreement just like I honored my country with my military service. This is just not right. Now Penfed wants me to take a loan for only $ XXXX but not my rate is 5.5 % for 72 months. That 's just not right. Penfed stated that I had XXXX loans or loan applications but can only proved XXXX actual loans. Penfed refused to issue a new draft after several attempts by XXXX XXXX and myself the consumer contacted them. At not time did PENFED contact me on phone with any concerns about deal. Nor did they refund any of the overnight draft fees that were taken out my checking account for the loans to be processed. Under my conversation with the loan department when first doing loan. I was told since I was high risk my loan had to be for a certain priced vehicle. That I could not just get a loan approval and check and shop as I wanted. so that is why I went ahead and requested an approval on a couple of vehicles until I could secure a deal that was best for me. If I had of know that my loan for the vehicle that was purchased at XXXX XXXX was going to get declined I would have never traded my vehicle. I went from driving a 2017 XXXX XXXX XXXX XXXX $ XXXX to a 2017 XXXX XXXX for $ XXXX , due to PENFED. When I spoke to them after dealer called all they had to do was reissue a check for XXXX and they refused to. But they went ahead made me do another application for the same vehicle but would only approve the loan for $ XXXX for 72 months at XXXX , unlike the original loan for $ XXXX for 72 month a t 4.5 apr . My XXXX loans disbursed and cancelled at {$15.00} each is {$120.00} I should be refunded. I have turned my case over to an attorney, the XXXX XXXX XXXX XXXX and th e Veterans Administration. PENFED also posted XXXX of the accounts on my credit reports. So when I tried to purchase a car form the dealer my debt to income ration was messed up. They have since marked them as paid in full. That should be against the law to post something to your credit report and not remove it. Or post to your report before verifying it is a valid account. That alone caused me major hardship. Company 's Response on XXXX / XXXX / XXXX Dear XXXX XXXX , This letter is in response to your complaint filed with the Consumer Financial Protection Bureau ( CFPB ). It was forwarded to Pentagon Federal Credit Un ion ( PenFed ) on XXXX XXXX , 2017 . We will provide a copy of this response to the CFPB. There seems to have been quite a bit of indecision on your recent vehicle purchase. In reviewing the XXXX XXXX XXXX applications you submitted and the XXXX disbursed and cancelled loans between XXXX XXXX , 2017 and XXXX XXXX , 2017 , we noted you changed loan amounts, dealerships, and vehicles. In our discussions with XXXX XXXX , they indicated there were several factors contributing to their repossession of the 2017 XXXX . I see you settled on the purchase of a XXXX XXXX , and we provided you with a {$32000.00} loan wi th a 72-month te rm at 5.50 %. The terms of a loan are determined at the time of disbursal and are based on your application and credit information at that time. We hope you are pleased with your new vehicle, and the terms of your new loan. Sincerely, XXXX XXXX XXXX XXXX XXXX , XXXX
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| 01/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date : XXXX XXXX - - Subject : Formal Legal Complaint against PenFed Credit Union. - To whom It May Concerns/PenFed : This is a formal legal complaint about PenFed or Pentagon Federal Credit Union bank. This Bank is accused of its discrimination, continuous retaliation and harassment toward its consumer ( member ) XXXX XXXX ( myself as the complainant in this legal complaint ). I believe that my Exercise Of certain rights asserted under the Consumer Financial Protection Act Of 2010 reform as amended in addition to other legitimate protected activities in which CFPB has authority and jurisdiction.
Please note that PenFed response or non-response to this legal complaint will be use against PenFed at any time in a court of law without Waiving my rights.
Factual Background : In many instances, some Representatives of Pentagon Federal Credit Union ( PenFed ) discriminated, harassed and/or retaliated against my person as their member ( member of this bank for more than 10 years approximately ). I reported those instances promptly to them. I complained to the Virginia attorney general office in the Consumers affair department about their violations against me but nothing seemed to deter them from their illegal behaviors .Indeed, They insisted and continued to violate many of my rights as their customer over and over. They participated with another bank and retaliated against me in violation of the Consumer Financial Protection Act Of 2010 reform as amended. They engaged in Fraud against me. They refused to close my deposit accounts despite my repeated requests over the phone at least. They falsified my banking records. They caused me severe financial harms and damages. All this time they were intensifying their retaliation and still. On XX/XX/XXXX XXXX they threatened my person directly and explicitly in a letter they sent to my home. That letter is attached to this formal legal complaint against them and Pentagon Federal Credit Union as their employer. They forced me to pay off a car loan I had with them. They forced me to closed out my checking account and another deposit account. They refused to close my deposit account ending in XXXX despite my repeated requests to close it. Even when I called again and requested to speak to a manager who also insisted to keep open against my will that deposit account ending in XXXX. They invaded my privacy. They breached terms and conditions. They exposed my personal information unlawfully. They violated terms and conditions of my PenFed credit account ending in XXXX. They used my PenFed credit account ending in XXXX to retaliate against me. They used my PenFed credit account ending in XXXX to create provocative issues to use them against my person at a later time it seemed and they have no excuse for their escalations but to coerce me unlawfully. They behaved criminally to cause me different harms. They engaged in prohibited activities against mg person in retaliation ... .etc Enough is Enough. Their lawless and defiance to my state and our federal law/s and/or banking regulations must be stopped immediately. Now I am complaining to the CFPB with jurisdiction and authority over this bank under charter # 227. I have many other evidences supportive to my case against PenFed. I reserve the right to sue this bank at any time without waiving my rights under any circumstances .all stated herein is subject to any correction or any change and at any time and only by my person or my legal representative and without waiving my rights.
conclusion : -PenFed Can not deny by any convincing evidence/s the following facts : PenFed retaliates and/or discriminates and/or participates in both unlawful acts against my person continuously in violation of my consumer contract with this bank, the Consumer Financial Protection Act Of 2010, the Fair Credit Reporting Act, the Equal Credit Opportunity Act Of 1974 and/or other applicable Virginia state or Federal banking regulation/s and/or law/s. In my case too, PenFed also violated Pentagon Federal Credit Union Charter # 227 requirements within the CFPB.The contributing factors to PenFed continuous retaliation and harassment against me is my everyone of my rights as their member or customer who complained to this banks executives. I also complained to its representatives about their violations of my rights asserted by every applicable law and/or banking regulations referenced herein and/or other under the CFPB jurisdiction.
- PenFed assumes the full liabilities and legal consequences from its fraud, discrimination, retaliation, falsification of my record and other fraudulent and/or unlawful acts this bank has committed against my person and for any new ones. This bank must be held accountable for what it did which was listed partially herein .this bank must stop its violations against my person immediately.
/ Regards, XXXX XXXX XXXX XXXX.
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| 04/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American, Servicemember |
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In XX/XX/XXXX I applied for a refinance loan from Pen-Fed credit union. My mortgage was already with Pen-Fed so refinancing with them for a lower interest rate was what I thought would be a prudent decision. When I applied for the refinance I was offered the opportunity to have my existing escrow balance of {$3200.00} applied to the new loan balance. At that time, in XX/XX/XXXX, I informed the loan officer that I did not want my escrow funds applied to the new loan amount. Over the subsequent months as my loan was processed I was assigned ( 3 ) different loan processors and unfortunately encountered a cascade of miss-steps, document errors and a 'breach ' of my personal information by the loan processor. Gratefully, I was informed of this 'breach ' by an individual unknown to me who had received my information via an e. mail sent to him by my loan processor. The 'breach ' was not identified by the Pen Fed management team and when I informed the Pen-Fed team leader, Mr. XXXX of the breach, he minimized the 'breach ', negated that it was a 'breach ' and essentially refused to take any responsibility for the 'breach '.
At the time of closing, 8 months later, on XXXX XX/XX/XXXX, a notary arrived to my home and due to COVID restrictions gave me the documents through my doorway and requested I sign them while the notary waited in my driveway. So essentially, the documents were not explained to me as what typically would occur during a closing. Several days later I sent the Pen-Fed team an inquiry as to when I can expect my escrow check. Much to my surprise I was informed that my escrow funds were applied to the loan balance. I made several attempts to inform the Director of mortgage services, Mr. XXXX that I had not approved this action, that I was not informed my escrow funds would be applied to the new mortgage loan and that I had specifically informed the loan officer in XX/XX/XXXX that I expected to receive my escrow funds. MrXXXX XXXX informed me the decision to roll over my escrow funds to the new loan balance was internally done by Pen-Fed which was a new practice they instituted in XXXX to benefit the borrower by lowering the loan balance.
My escrow loan balance of {$3400.00} was withheld from me without my knowledge and despite the fact that I had expressed that I wanted the funds sent to me. Pen-Fed blamed me that I was remiss in exercising my right of recession ( cancel/adjustment period ) and that there was nothing they can do to return the escrow funds to me as the loan had already been funded. I unsuccessfully informed Mr. XXXX that if I had been informed the escrow funds would have been applied to the new loan balance, I would have cancelled the closing.
As a Pen-Fed client I was not afforded the right to have access to my escrow funds. This decision was internally rendered by the Pen-Fed team without notifying me and/or giving me the option to decide where my escrow funds should be applied. Their actions were dishonest and misleading by stating their decision was beneficial to me as it lowered the loan amount. Pen-Fed has no policy in place that authorizes them to take control of the client 's escrow funds without their permission, knowledge and/or explicit instructions to not do it. I have now been told that all options have been exhausted to reconcile this issue as the loan has been funded and I should essentially be grateful that they took this action to lower my loan amount.
My rights as a Pen-Fed client have been denied and ignored and I have been cheated out of having control of my escrow funds. It is my right to decide how my escrow funds should be disbursed and I intended to have access to my escrow funds and it was my right to decide if my escrow funds should go towards the loan balance.
In conclusion my concerns are twofold : 1. Pen-Fed violated my rights as a client by taking my escrow funds and applying it to my loan balance without my knowledge, permission and my outright expression that I did not want it done. I, like everyone else, who goes through a re-finance looks forward to receiving their escrow funds check and the absence of these funds have placed me in an economic hardship.
2. Pen-Fed breached my personal information to a non Pen-Fed bank employee and no action has been taken by Pen-Fed to reduce the risk of my personal information being published and /or used by hackers.
I am requesting my escrow funds be returned to me. I should be afforded the sole opportunity to decide how to spend my escrow funds and it should be my decision to apply those funds to my loan amount, it is not Pen-Fed 's decision. Secondly, I am asking Pen-Fed to take decisive and swift action to reconcile the 'breach ' of my personal information, which they have ultimately and finally acknowledged that a 'breach ' had occurred.
Thank-you for your kind attention in allowing me to express my concerns.
XXXX XXXX
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| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My wife and I opened PenFed accounts on XX/XX/XXXX, with me as the member and primary account holder and my wife as a joint account holder. The Member Services individual at the branch who established the membership told us that a soft credit pull would be required to open a premium online savings account, which we had to perform on a later date.
When we came back on XX/XX/XXXX to complete that process, we were helped by a new Member Services employee. We asked her to confirm that it was only a soft credit pull required, and she said at first that a hard credit pull would be required. When we objected based on our previous conversation, a branch manager corrected her and confirmed to us ( again ) that only a soft credit pull would be required. We subsequently opened the joint savings account on XX/XX/XXXX.
On XX/XX/XXXX, my wife and I pulled our credit reports for XXXX and XXXX through XXXX. While my credit report showed only a soft inquiry, my wife had a hard inquiry issued by PenFed on XX/XX/XXXX with XXXX. We were unable to access our XXXX credit report at all, so we do not know for sure that the other bureaus dont have a hard inquiry on that date either.
My wife and I spent several hours on the phone with PenFed on the XXXX immediately after discovering the issue, and have had to take time off work and meetings and have devoted multiple days ( 6-8 hours each ) in the week following, to spend on the phone with either PenFed or XXXX We spoke with at least three different customer service agents and Member Services representatives, all of whom eventually agreed that a hard credit pull should not have been performed. On several occasions, my wife, who is a XXXX XXXX with one of the top five banks in the US, had to step in to correct fraudulent claims that the agents tried to make. Specifically : The first customer service agent we spoke to told us that a hard credit pull is required for all accounts that are opened, but could not explain why my wife was disproportionately targeted by this requirement as a secondary holder on a joint account while I was not.
After my wife challenged her, and after she went back to do some research, the agent claimed the pull was because of the Patriot Act, which my wife, who is aware of BSA/KYC and OFAC regulations, knew does not require a hard pull in this case and is commonly used as an excuse/cover up for discriminatory practices.
The second customer service agent first claimed that the hard pull was permanent and could not be reversed. He eventually agreed to put in a credit bureau case to review, which he said would take 30-60 days to complete.
During a follow-up call on XX/XX/XXXX, this second agent claimed that they had no way to expedite reversing the process with XXXX, even though PenFed has direct contacts with this credit bureau, because they didnt have enough manpower resources to take care of it. At this point, my wife has had a hard inquiry on her credit report impacting her score for almost a month already, and she is now facing negative impacts for at least two more
months. This is predatory practice that impacts her ability to borrow, and occurred for her despite the fact that 1 ) I am the member for the account and had only a soft pull performed, 2 ) my wife is the joint account holder for these accounts, and not the primary account holder, and 3 ) neither I nor my wife had requested any credit products from PenFed at all.
This action and subsequent conversations with PenFed have been discriminatory based on gender and race/country of origin ( in that they pulled my wifes credit exclusively, who is a woman and has a foreign sounding name, but not mine ) and fraudulent ( in making claims of banking regulations that are not factual or accurate ). Further, a month after the pull, my wife has not received a written copy of the report for the hard inquiry they conducted on XX/XX/XXXX, despite PenFed being required to do so. Its clear that if we hadnt been monitoring our credit and been aware of the specific BSA/KYC and OFAC regulations ourselves, PenFed would not have informed us of this event at all, and we would have been lied to by the agents on multiple occasions.
We request urgent corrective action to address these issues. Not only is PenFed openly/blatantly discriminating and targeting customers based on their country of origin, race, and/or gender, as was the case with my wife, it is intentionally misleading customers who have no background, knowledge, or information about banking policies and regulations ( which fortunately for us, my wife does ). They have made false claims, lied about specific regulations, and have yet to take corrective action to fix this issue, despite it being indicative of systemic and direct violations of FCRA ( and other ) regulations and we ourselves having to correct PenFed employees on their obligations to their customers.
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| 03/29/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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So i have to actually show you how your violating the fair credit reporting act Lets begin.
1 According to Title 15 USC 6802 - Obligations with respect to disclosures of personal information ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institutionclearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I never got such disclosures XXXX According to title 15 USC 1681s-2 Responsibilities of Furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if theperson knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
I have made it known to them about this XXXX. By Definition the IRS Clearly says a canceled debt or Charge off is income. The reporting of this account as a debt is inaccurate.A debt is deemed canceled on the date an identifiable event occurs or, if earlier, the date of the actual discharge if you choose to file Form 1099-C for the year of cancellation.
An identifiable event is one of the following.
A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt.
A creditor 's defined policy can be in writing or an established business practice of the particular nonpayment period expires is a defined policy.
A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is defined policy In general, if you have cancellation of debt income because your debt is canceled, forgiven, or discharged for less than the amount you must pay, the amount of the canceled debt is taxable and you must report the canceled debt on your tax return for the year the cancellation occurs. The canceled debt isn't taxable, however, if the law specifically allows you to exclude it from gross income. These specific exclusions will be discussed later.
After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form 1099-C showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form 1099-C, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form 1099-C.
In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ). Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay.
So XXXX XXXX XXXX is Blatantly trying to make Collections on Debt that doesn't exist they admitted it on there own letter the account was charged off as a credit loss on XX/XX/2017 In general, if you have cancellation of debt income because your debt is canceled, forgiven, or discharged you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040, U.S.
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| 02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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The dispute for the accounts with PENTAGON FEDERAL CR UNion XXXX XXXX Closed amount XXXX Date opened XX/XX/XXXX Account type Auto Loan should read no late payments new car requires full coverage before loan and to leave the lot and I purchased GAP insurance for XXXX $ from Penfed the insurance paid XXXX the GAP paid XXXX $ the rest was sent to a collection company for XXXX for XXXX I refused to pay because GAP every single thing I read says it pays the GAP between insurance and loan amount thats the reason for getting it on top of that I made payments to the collection company every month for XXXX years on time for paid in full now it says seriously past due and turned over to an attorney Penfed has also reported almost 24 loans most are with in high XXXX to mid XXXX they are all the same they are also reporting secured CCs with my money as collateral and I eather owe less then the amount I put up and never got a refund but they are reporting it as a charge off the other secured CCs from PenFed exsample are secured at XXXX $ and some how the balance is XXXX other companies are also reporting secured card as charge offs with no refunds when the amount is less then what I put out Penfeds loans are all one month apart for the same amounts some say paid I dont care about those but PenFed is a bank for the military Im XXXXetired from the XXXX and the loans were all when I was XXXX XXXX and most of the car loans are charge offs why would they give me another loan the next month if that was the case and all cars had full coverage and the GAP insurance that PenFed offers PenFed railroads the military which is a horrible practice I head this from many military people I know and they also have the nerve to take donations from family members while one is on a XXXX and donations from other people as well to help support the military I havent looked in a long time but the min was XXXX what are they useing that money for I would love to see the ledger of were that money is going Im very disappointed before them I rebuild my Cridet after a XXXX in XXXX and finally got a loan from them my credit was destroyed after what they did to me I been trying to rebuild it I sent disputes for each account they are reporting and it comes back with no changes when I call the number all they can tell me is they sold everything to collections and they have no further info Im really sick of them while all this was happening I called almost every day for about 3 years with no change almost everyone explained that GAP insurance covers everything the insurance doesnt some cars had full coverage that PenFed offers and when I looked it up its the same company that provides the GAP insurance after you pay XXXX $ to PenFed in my mind if they are both owned by the same people its the samething as knowing the winner of the supper bowl before the game starts Insurence says we wilXXXX pay XXXX $ then they tell GAP people to pay XXXX $ and they leave you a balance to pay PenFed if PenFed is the Bank reffuring to both places they have the menoply and I thought that was definitely illegal I really believe everything they do is fraud and they really need to get invested at least five years Im not reporting all this for me its mostly for my brothers and sisters fighting for are freedom and while doing that they dont deserve to worry the way that PenFed treats them Im sorry for writing so much but I do appreciate your reading and if your help is possible I didnt know were to turn to when it was happening at the time but I found your site on a Cridet report site and I though there was a chance to help my credit so I can take out a loan to fix my house Im having problems with major things like the HVAC ect. I owe XXXX at my house is worth XXXX no one will just give me a equity loan thats the reason Im trying to fix my credit Im also 100 % XXXX and cant even buy a car to go to the VA thats 50 miles away from my house XXXXm sorry to sound like Im complaining but I have a feeling there is a way for you to have an impact on my credit report like I said most things I did was secured and says I owe money that less then my money I never got a refund of what was left just an owed balance of less then the money it was secured with and that cant be right all the things I talked about with secured things should never go over what you put up and the rest of my money that I didnt use needs to be returned now reported as late payments and charged off they did that to keep my money and theres no way to make them understand that from the phone calls I been makeing Im sick of getting the run around from every one especially when I call them well that all thank you it said no personal info but I have no clue how you get in touch with me so my email is XXXX XXXX
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| 01/13/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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Summer 2022 the PenFed website would not allow me to update checking account info. I switched accounts and it would not allow me to update it. I had several phone calls spanning XXXX through XXXX to get this resolved. Each time I was told to give it 24 to 48 hours, yet it would still only show the old account. Due to this, I was unable to pay online, and kept having to pay by phone. Finally, on XX/XX/XXXX, someone in their tech division fixed the issue so I could pay online. At that time I paid the past due XXXX payment, and they waived the late charges ( three of them ) due to the error on PenFed 's part. I also arranged with the rep to schedule a payment for XXXX and XXXX 's payments. I don't recall if this was on the same phone call or another. The amount they told me to pay was {$200.00} to bring the account current through XXXX 's bill, due on XX/XX/XXXX. That {$200.00} payment was made on XX/XX/XXXX. We had also on that call walked me through setting up auto pay, so that starting in XXXX the account would draft automatically from the new account. PenFed received the payment of {$200.00} on XX/XX/XXXX. This amount was provided to me by a rep on the phone. Fast forward to Wednesday, XX/XX/XXXX. I receipt a hardship packet from PenFed for being delinquent. I called PenFed immediately. I was told I still owed {$1.00} for XXXX. I explained what happened but was told there was nothing they could do without proof that I was told the wrong amount. In the meantime, PenFed helped me submit a payment for {$120.00} to bring the account current. I didn't plan to pursue the issue any further since it was resolved. Today, XX/XX/XXXX, I receive a notification that my credit has a delinquency reported, 30 days late by PenFed. I immediately call to resolve. They again ask me to make a payment of {$120.00}, at which point I learn that the person who supposedly submitted one on Wednesday did not complete it. I have the recorded phone conversation stating they did, however. I went ahead and let them process another payment of {$120.00}. I will check to be sure it wasn't duplicated here in a few days. I had close to 3 hours of phone call time with PenFed today alone, plus about an hour on Wednesday, some portion fo that getting through prompts and different reps until I'm with the right department.
After a lengthy call, the rep decides to submit a request for supervisor review to see if someone did in fact tell me to pay {$200.00} on one of those XXXX phone calls. She said the supervisor can only review specific calls I tell her to, and can't just review a time frame. I unfortunately do not know the exact dates of all calls.
Logging into PenFed I am able to see the {$200.00} paid on XX/XX/XXXX. The system shows me how that amount was divided, with {$100.00} going towards the XXXX bill, and the remaining {$99.00} going towards XXXX. I realized, towards the end of this call, that the cause of the problem isn't that the rep told me the wrong amount. They told me correctly. The issue is that PenFed applied the amount incorrectly. Here is the breakdown of the {$200.00} payment, how it should have been applied versus how it actually was applied.
XXXX past due {$99.00} ( amount applied {$100.00} ) XXXX due {$100.00} ( amount applied {$99.00} ) This caused the system to believe I was {$1.00} past due for XXXX still, since the {$99.00} was {$1.00} shy of the {$100.00} due. I figured this out when the rep told me that XXXX was still past due in the amount of {$1.00}. I recognized that this figure represented the difference in those two values. I was then able to confirm this by looking at the transaction history on the account.
I have attached three items. The first is the XXXX statement, with statement closing date of XX/XX/, 2022. This shows the past due XXXX bill of {$99.00} as well as the current interest due of {$100.00}, due XX/XX/XXXX. In addition to that there is a late charge on there of {$6.00}, however this has been on the account for approximately 8 months at this point and is not reported to credit bureaus. I was unaware it was on there, despite several payments by phone where I asked to pay to get it current. However this is not relevant since to PenFed 's own admission, this is not reportable to credit, and is not included in the " pas due {$1.00} '' from XXXX that got us in this mess. The second and third items I have attached are screenshots showing how my {$200.00} payment on XX/XX/XXXX was applied. Not only did they apply XXXX 's payment to XXXX, and XXXX 's payment to XXXX, but they were off by a XXXX on each anyway. So even if they had applied {$99.00} to XXXX and {$100.00} to XXXX, I would have been a XXXX low for XXXX, and a XXXX high for XXXX.
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| 08/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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On XX/XX/XXXX at XXXX hours, the City of XXXX XXXX Police Department verified on their database that Pentagon Federal Credit Union is responsible for having my privately owned vehicle, a XXXX XXXX XXXX - Platinum Trim, towed from my private and gated residential property located at XXXX XXXX in XXXX XXXX, Texas for alleged non-payment. Again, I live in a gated community with a gate guard and where it is clearly posted there is camera surveillance throughout our entire private property.
My multiple and exhaustive efforts in attempting to communicate with someone from the Office of The Chairman or their elected legal representative via telephone, written and electronic correspondence have been ineffective and literally a waste of time.
Moreover, my countless efforts in attempting to communicate directly with numerous Executive Resolutions and Corporate Retention Departments for Pentagon Federal Credit Union have been met with an unreceptive demeanor to further consider all other alternatives available or to judiciously make certain exceptions to particular policies in place and take appropriate executive actions has been exhibited from every bank. This type of inefficient, ineffective and unreceptive behavior has been unfortunately demonstrated since XX/XX/XXXX.
Despite my extraneous and exhaustive efforts to avoid such federal and civil litigation from taking place, I have no other option left but to file a civil grievance and officially request for your organization 's assistance with the filing of a federal civil litigation against this American financial institution. Their unreceptive character and demeanor have drastically impacted not only my private wealth management and diversified financial portfolio, but has infiltrated and affected all of my personal, private and professional relationships and establishments - to include my own marriage and my entire family globally located in XXXX, D.C. ; XXXX XXXX, TX ; XXXX, TX ; XXXX XXXX, CA ; XXXX XXXX, CA ; XXXX XXXX, CA ; XXXX XXXX, CA ; and abroad in the XXXX XXXX XXXX, XXXX.
This is an initiative I have contemplated for way too long and unfortunately, it has had a major impact in not only my extensively diversified private wealth management portfolio ; liquid and collateral assets worldwide, along with my socio-economic status here within the United States ; but it has caused such internal animosity within all of my personal and professional relationships - to include my own marriage - and has not been conducive to preserving or maintaining my physical, psychological and psychiatric health and welfare.
At the severity and extent that all of these circumstances have affected my entire life, holistically speaking, I can not and will not be able to continuously support or allow for such hardships to continuously affect the lives of my family members, my executive and subordinate staff members, my XXXX XXXX patients admitted to the XXXX XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX collocated with the XXXX XXXX XXXX XXXX XXXX.
Again, I genuinely would appreciate some type of correspondence from your organization in order to officially file a civil litigation as soon as possible against this financial creditor that was entrusted to manage funds in a safe, efficient and effective manner.
Regrettably and saddened to admit, the goods and services from all of my major corporate financial creditors promised to implement and deliver, have been administered unsatisfactorily and drastically impacting my health and welfare and livelihood here in America.
As a U.S. natural-born citizen, honorable XXXX XXXX XXXX and XXXX XXXX, I am beyond disappointed with this American financial institution and many other financial institutions that have been unreceptive to understanding the complexity of my financial hardship while living in and honorably serving America.
Not only do I feel victimized, I feel targeted and compelled to request international asylum assistance after serving my own country that - hopefully inadvertently but unfortunately - enables such toxic, deceiving and misleading business practices.
Thus, the actions and effects previously mentioned have greatly impacted the livelihood and ability to survive in an already stressed and burnt out economic society, and no American financial institution is willing to listen or be receptive to further consideration when any taxpayer is suffering a financial hardship in America.
Legal assistance and accountability is desperately being requested from your organization in order for me to continue attempting my hardest to remain a contributing member of our society in America.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XX/XX/2023 Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX
XXXX, VA XXXX Account # Ending in XXXX ( As per Pentagon Federal Credit Union dater XX/XX/ ) Subject : Discrepancies in Credit Reporting, Potential Fraudulent Write-Off Activities, and Request for Validation of Debt I wish to bring to your attention a significant discrepancy : A letter dated XX/XX/2023, from Pentagon Federal Credit Union XXXX indicated the sale of this account to a third party, with a reported sale date of XX/XX/2023 with a particular dollar amount. However, on my credit report Dated XX/XX/2023, a higher dollar amount is shown as " written off '' or " charged off. '' This raises concerns that Pentagon Federal Credit Union may be reporting different amounts for fraudulent gain.
I demand the immediate removal of this XXXX from my credit files and that Pentagon Federal Credit Union notify any second or third-party debt collectors to cease collection activities and credit reporting.
I am writing to express my serious concerns about discrepancies in my credit report, which I believe may be attributed to the reckless reporting practices of Pentagon Federal Credit Union. This issue has had a detrimental impact on my financial standing, causing a denial of credit and considerable embarrassment during a recent interaction with a loan officer. Furthermore, I am concerned that my Federal Civil Rights may have been violated through the sharing or selling of my information to other entities.
As per the Fair Credit Reporting Act ( FCRA ) and relevant sections therein, including 15 U.S.C. 1681n and 1681o, I want to bring to your attention that any willful noncompliance or negligent noncompliance with the FCRA requirements can result in civil liability for damages sustained by the consumer. Your company 's failure to perform a reasonable reinvestigation, as required by law, has raised serious concerns regarding compliance with the FCRA.
To summarize, I believe that Pentagon Federal Credit Union has not provided the legally required validation of the debt in question. I also believe that Pentagon Federal Credit Union has reported different amounts on financial reports and profit-loss reporting to favor their institution while at the same time reporting higher charge-off amounts on my personal consumer credit files. I am notifying Pentagon Federal Credit Union that your company 's actions may have violated several consumer protection laws, including but not limited to the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Please understand that this letter does not constitute a refusal to pay, but is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), indicating that I dispute the claim and request validation. I reiterate my concerns that your company may have violated several federal laws, and I am deeply worried about the adverse consequences of these actions.
If this matter is not resolved promptly, I will take all necessary steps to protect my rights. I hereby request the deletion of the alleged debt and associated collection activity/tradeline from my credit files with the three major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX ) within five days from your receipt of this letter. Additionally, I demand that a letter be forwarded to me via email at the address on file, confirming the removal of this tradeline from my credit reports.
Given the potential inaccuracies on my credit reports, I require that the alleged debt be substantiated as mine. This proof should be in the form of a notarized statement from a person with original knowledge of the debt, testifying that the alleged debt was legally incurred, not disputed due to faulty products, not utilized for tax deductions, and not claimed as a loss with any insurance entity during its payable period.
Please be aware that Section 1681s-2 ( b ) of the Fair Credit Reporting Act provides a cause of action for consumers against furnishers of erroneous credit information, as established in Nelson v. Chase Manhattan .
For all legal purposes, this Notice holds the same weight as a dispute regarding the validity of the alleged debt and your claims. It is my intention to correct your records, and any information received from you will be collected as evidence if further action becomes necessary.
I kindly request a prompt and thorough investigation into these matters and a written response within 5 days of receiving this letter. Your cooperation in resolving this issue is greatly appreciated.
Sincerely, XXXX XXXX
|
| 03/14/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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In XX/XX/XXXX, I applied for an auto loan with XXXX. I applied for a {$15000.00}, for 36 months, with a rate of 1.99 %. XXXX advertised the loan stating as no finance charges included so, I expected the APR to also be 1.99 %. Prior to receiving the disclosures for this loan application and approval, I decided that I wanted a larger loan amount, and I reapplied for a {$20000.00} loan, for 48 months, and the APR would be 2.99 %. In order to receive the best interest rate, I took advantage for the XXXX Car Buying service which guarantees additional reduction in the APR of the loan, plus assist you with the purchase price by submitting your application via the XXXX XXXX XXXX tool. I waited for the disclosures and they never came by mail or on the website. I called the institution to inquire about the disclosures for the new loan application that I applied for six days earlier and they finally sent them.
Once I received the disclosures for the second loan for {$20000.00} I notice that the stated APR was indeed 2.99, put I was surprised to see a finance charge of about {$1000.00}. I called XXXX to inquire about this discrepancy and the representative first stated the disclosed APR was correct. I explained to her that it was impossible for a {$20000.00}, with a term of 4 years, and a payment of {$440.00} to have an APR of XXXX if the was a finance are of $ 1000+. In fact, the APR would be about 5.584 %. I told her that she needed to send the correct disclosures without the finance charges added because she continued to state that XXXX did not charge finance charges. I further explained, that not only was I a federal employee, but I also work in the banking industry and I understood how to calculate APR correctly. ( I did not tell them where I worked, but once they pulled my credit, my employers name is listed ) The second set of documents did not have the finance charge included, but the disclosed APR stated it was just an estimate and it was higher than the previously disclosed APR. Once I found the car that I wanted, I called back and provided the vehicle identification number ( VIN ) so that XXXX could lock in the interest rate. However, XXXX would not send out new disclosures. I explained to the representative at the time that XXXX must send loan disclosures before I signed the check for the loan, so that I know exactly how much the loan was going to cost. Unfortunately, before this could happen, I found out that the car dealership did not actually the exact vehicle I wanted and so I did not purchase the car.
I believe that I might have sent an email to the institution stating that I had issues with the disclosures they sent, and that they are required by law to send loan disclosure prior to loan consummation. I never heard back from them.
Later in XX/XX/XXXX I decided to take advantage of the year-end car sales, and reapply for a car loan because it had been more the 90 days since the last application. I applied online, but my XX/XX/XXXX denied my application. I did not call the institution to inquire about the loan, because I did not have the time.
On XX/XX/XXXX, I called the institution to inquire about the denial of my application. I explained to the representative, that no creditor had reported any derogatory information to my credit report and that my income had increased so I did not understand why they denied my application. She resubmitted my application and told me be they approved my application, but that my APR would be 5.99 %. I asked why my APR was more than 3 % higher than the previous two applications and the representative told me that the only loan program I qualify for [ now ], is a loan program in the secondary market. I want to know how the loan criteria changed so dramatically over the course of six months, especially is a situation in which my income has increase and my obligations have decreased.
I believe thatXX/XX/XXXX is only offering me subprime loan programs because I previously complained about their erroneous disclosures and failure to disclose. I would like the CFPB to request all of my applications and the associated disclosures I have with XX/XX/XXXX since XX/XX/XXXX. Those disclosures will show that XX/XX/XXXXincorrectly disclosed the APR on all of the disclosures, except for one. Attached you will find a copy of one of the disclosures. You will find that the disclosed APR is incorrect, there is a finance charge included, and the payment amount is incorrect with respective to the amounts on the disclosure. The Executive Vice President, Chief Operating Officer is the person whose name appears on the disclosure.
|
| 12/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am writing to express my deep concern and frustration regarding a matter that requires urgent attention. XXXX XXXX XXXX XXXX, a certified mail letter containing certified funds amounting to {$24000.00} was dispatched to PENFED CREDIT UNION with XXXX tracking number XXXX. Regrettably, it has come to my attention that the institution is refusing to accept the payment. In adherence to the principles outlined in 18 U.S. Code 1951 - Interference with Commerce, a copy of the relevant code has been provided to highlight the seriousness of the situation. It is imperative to note that refusal to accept a certified payment may constitute a violation of federal law. I kindly request that PENFED CREDIT UNION rectify this matter promptly to ensure compliance with the law and uphold the principles of fair and lawful business practices. The following information was also provided to ensure that PENFED CREDIT UNION complies : MEMORANDUM Fiduciary Collector : ***** This Note MUST be Processed/Deposited as a Negotiable Instrument ***** This Note is a Secured Transferable Negotiable Instrument meeting all requirements of U.C.C. - Article 3, as a Money Order. This Note, credit agreements, bills of exchange, and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ). Post the uncollected funds into the asset column of this account and charge the offer and acceptance for settlement ; prepaid and exempt when entered in the post-closing Balance. This statement constitutes Maker 's order to pay this instrument upon presentment and endorsement, As an operation of law, Payee tacitly consents and agrees that there is accord and satisfaction by use of this instrument to satisfy Payee 's claim and Maker is hereby discharged from liability on this alleged account and the obligation is suspended by law as codified at UCC 3-310 { b ), 3-311 3-603, and Public Policy at House Joint Resolution 192 of June 5, 1933. Maker does not waive timeliness. However, if Payee needs additional time, Payee must present Maker with a written request for additional time within a reasonable time, setting forth the reason Payee requests an extension of time, with good cause shown. The acceptability of any such request received by Maker from Payee is conditional upon approval by Maker. 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT. Should there be any questions, please have your/your Bank 's attorneys handle this matter as they are legally competent to handle a negotiable instrument and understand their workings. Ignorance of the Law is no excuse to mid-process This Note. If Your Local Branch does not know how to process this Instrument, I would contact a XXXX XXXX XXXX XXXX Bank and have them get their Legal team to instruct your local branch on processing this instrument. In the event, that this instrument is not presented for payment within a reasonable period, and there has been no request for an extension of time with good cause shown, Payee tacitly consents and agrees that Maker has satisfied/discharged the debt claim re this alleged account. Payee tacitly consents and agrees that Payee must prevent this debt claim/monetary obligation from damaging Maker in any way and that Payee confesses judgment and Maker reserves the right to initiate a counterclaim against Payee and file a claim against the bond any responsible party, including Payee and all principals, agents, and assignee of Payee, whose acts/omissions result in tort damages against Maker. Should This Note be dishonored and/or not be honored, this letter is further presentment and serves as a NOTICE OF DISHONOR by U.C.C. - Article 3, 3-503 : NOTICE OF DISHONOR! Interference with Commerce Notice - 18 U.S. Code 1951 For questions regarding this draft, contact the maker by written correspondence : As an operation of law, Payee tacitly consents and agrees that there is accord and satisfaction by use of this instrument to satisfy Payee 's claim and Maker is hereby discharged from liability on this alleged account and the obligation is suspended by law as codified at UCC 3-310 { b ), 3-311 3-603, and Public Policy at House Joint Resolution 192 of June 5, 1933, In the event, that this instrument is not presented for payment within a reasonable period, and there has been no request for an extension of time with good cause shown, Payee tacitly consents and agrees that Maker has satisfied/ discharged the debt claim re this alleged account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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-- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM XXXX XXXXXXXX -- -- -- -- NOT DUPLICATE -- -- -- -- -- I request your response answers all my asked questions. You have responded with " Your letter makes multiple assertions and claims against PenFed that we deny and rebut as they are without merit. '' Notice it is fact eveything I have stated is Law in black and white. Nothing I have stated or claimed has been opinion nor false. You have also stated " We are not required by any regulation to grant credit to all applications, and our adverse action notices comply with current regulations. '' TRUE and FALSE. You are not required to extend credit to applicants BUT you are required to do so if you accept the credit application which becomes a Negotiable Instrument and SECURITY in which you as a bank are required to perform accordingly under the FEDERAL RESERVE ACT Sec 16 & 29 and UNIFORM COMMERCIAL CODE 3-104a. I the consumer and Original Creditor and Original Credit Card Holder as CONGRESS defines under 15 USC 1691a have exercised my FEDERALLY PROTECTED RIGHT TO CREDIT with PENFED via a Credit Application where you obtained my CREDIT CARD defined under 15 USC 1602 ( SSN ) for the sole purpose of extending to me my own credit. How can a Fictitious Corporation on paper GRANT CREDIT? WHAT IS YOUR CREDIT BACKED BY?? CREDIT IS THE RIGHT GRANTED meaning it is a alienable right. You have no credit until consumers extend their credit to you hence why CONGRESS under 15 USC 1691a refers to you as the assignee of the original creditor being also a creditor because of such. I am aware of the functions of the federal banking system and of my consumer rights. Are you saying CONGRESS has lied under 15 USC 1691a?? Are you saying PENFED has lent to money from their own account and took a actual loss in giving me a credit limit? That will go against provision 12 USC 1431 for banks are not allowed to lend only borrow. Have you willfully admitted to a Federal Violation?? What money have you given to me and from where? You have also stated " our adverse action notices comply with current regulations. '' How is this true if CONGRESS under the very definition of ADVERSE ACTION tells you there IS NO DENIAL of a Credit Limit Increase SO WHAT ADVERSE ACTION LAW are you following outside of the Federal System you are required to perform under. As far as the alleged balanced that arose out of a FIANCE CHARGE where ALL SUMS where included, you PENFED where also put on NOTICE and INSTRUCTED to perform under the BILL OF EXCHANGE ACT OF 1882 and Credit The Account accordingly with the endorsement presented. You in fact failed in your obligation to do so and are in a strict Federal violation under the Federal Reserve Act Sec 29. Notice it is fact you have refused my TENDER OF PAYMENT via a negotiable instrument in your failure to perform under The BILL OF EXCHANGE ACT OF 1882 there for under UCC3-603 the amount tendered is discharged and in fact not owed yet you still maintain a " positive '' balance on a credit amount allegedly owed on my credit account. It is Federally Unlawful to demand only one form of payment within the banking system and courts have ruled on such. You have also stated " Sharing account details and payment history with the credit reporting agencies is consistent with our policies and is not eligible for opt-out. '' Since when does COMPANY POLICY SUPERSEDE FEDERAL LAW?? PENFED is a CONSUMER CREDIT AGENCY by definition and being so is under the jurisdiction of the FCRA. Your statement blatantly violates 15 USC 1681a ( 2 ) ( i ) EXCLUSIONs and ALSO 15 USC 6802 for lack of proper disclosures and rights to the consumer. You did not disclose to me conspicuously that I had a right to direct the manner of my information being reported or the right to opt out of any reporting... .Are you saying 15 USC 6802 is a mistake and not a law that exits?? REPORTING TO CREDIT AGENCIES is VOLUNTARY and you will be held liable for violations just as any other. There is NO FEDERAL LAW THAT DEMANDS YOU REPORT CONSUMER INFORMATION..IN FACT QUIT THE OPPOSITE YOU ARE DEMANDED TO PROTECT CONSUMER INFORMATION NOT SELL IT AND REPORT IT. I am fully aware of my consumer rights and your duty to perform under the Securities Act Of 1934. IF who ever is handling this matter has limited awareness of the severity of this matter please forward the issue to someone who does because all communications will be kept and recorded for escalation purposes. You have breached all your Fiduciary and Trust duties and all exhibits are recorded and maintained if matters should escalate.
|
| 12/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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|
Web |
Servicemember |
|
On XX/XX/XXXX I took an advance for {$3700.00} from my HELOC account with PenFed to my XXXX XXXX checking account, also with PenFed. I then set up the payee and a payment, a single payment, for that same {$3700.00} to pay off my XXXX XXXX XXXX XXXX The card is managed by XXXX XXXX for XXXX XXXX. When I set up the payee the default name was " XXXX XXXX XXXX XXXX '', clearly very generic so I changed it to " XXXX XXXX XXXX ''. I have email confirmations of each of those events.
The payment date was supposed to be the XXXX of XX/XX/2023. On the XXXX of XXXX I received an email stating the payment has been refused by the bank as the funding account was closed. The email also stated that " as a courtesy '' the payment was covered. This was not the case, obviously, so I called PenFed to find out what was going on and the lady I spoke with confirmed the account was open and funded with enough funds to cover the payment. She then recommended I give it a few days to let what was obviously a system hiccup sort out. I then received another email stating that since they were unable to complete an electronic withdrawal from my funding account the bill pay funding account was blocked. I re-established the bill pay on the XXXX of XXXX and withing seconds got another email stating the account had been deleted.
When calling to get information and to have this sorted out I found that TWO payments of {$3700.00} were made to my credit card company, even though I only scheduled one, so now my account was in the negative, - {$2900.00} to be exact. I spoke with very nice people on the phone and had repeated emails with an ineffective condescending XXXX named XXXX XXXX XXXX full last name not provided ) under Case # XXXX. I tried to explain that I only scheduled one payment and that it was to payoff the card balance so it would make NO sense for me to schedule two payments. I repeated frequently that this was a PenFed mix-up and asked for them to provide system logs to prove their assumption that this was my mistake. What XXXX did provide ( attached ) was an image easily falsifiable in XXXX or XXXX that was incorrect as it shows a scheduled payment to XXXX XXXX XXXX XXXX created on XX/XX/XXXX, not to XXXX XXXX XXXX as I did. But they do show creation of a payment to XXXX XXXX XXXX on the XXXX, the day the payment was supposed to be made! Further I gave the XXXX XXXX XXXX XXXX default name a nickname the day I set them up as a payee. And I wasn't even in the system on the XXXX to schedule a payment. So they made a fraudulent payment ( one not set up or authorized by me ) and further one that should have been refused to begin with if it took my accounts into the negative. They have deleted the checking account and the debit card tied to it, blocking my access to it and the bill pay functionality which prevents me from having access to any account information to prove my case. They further will not provide any proof in the form of system logs or call recordings that demonstrate, contrary to my assertions, that I did in fact schedule/request two payments.
So after a week of nonsense from PenFed refusing to correct the mistake they made I called XXXX XXXX credit card customer service and requested a refund of the negative balance ( credit amount ) back to the account that created this credit amount. I am including a picture of my credit card account page showing the duplicate payments and negative balance. They said it could take up to XXXX business days. I then called PenFed, I believe XX/XX/XXXX, and told them I fixed their screw-up and that the refund could take up to 17 days. Not 100 % sure about the date as I've had a LOT of calls to and from PenFed the past couple weeks.
Fast forward to XX/XX/XXXX and I receive a letter in the mail stating that if I didn't bring the account positive in 10 days they would close my accounts, my credit card, my home loan and HELOC because they have made multiple attempts to contact me. Oh, and they were graciously not going to access a fee for my account going negative. Yes and I very clearly had already called to let them know what was going on so they clearly don't read account notes.
So they should be investigated for performing fraudulent account activity with end user accounts that were not initiated nor authorized by the account holder. It XXXX to be in this position and feel betrayed by a XXXX XXXX that purports to be supportive of XXXX XXXX like me ( veteran ) and their families. If they just owned up to the fact that it was their mistake it would feel less skeezy on their part.
|
| 07/22/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I applied for and received a pre-approval letter with PenFed on XXXX. I requested it be adjusted at XXXX Monday on XX/XX/XXXX to match the offer amount I was submitting to a seller to show the capacity to purchase the home. I needed to submit the offer quickly due to the competitive nature of the market but did not receive it until XXXX Thursday on XX/XX/XXXX even though I called in attempting to reach my Loan Officer ( LO ) to get it sooner. Luckily the sellers accepted the contract without the approval letter. I submitted the ratified sales contract to PenFed on Thursday XXXX on XX/XX/XXXX and asked about the appraisal process and next steps. It was in the contract and I had alerted PenFed the Due Diligence period ended XX/XX/XXXX and I needed to get the appraisal by then otherwise I would have to either pay the Earnest Money not knowing if the home value would support the loan, ask the sellers to amend the sales contract, or back out of the deal after having spent over {$2700.00} already on the home inspection, a septic inspection, the survey, the Due Diligence money, and the REQUEST for an appraisal that I could not get any feedback on whether it was scheduled or not. After slow or no response from the first LO about next steps and how do I lock the rate in, I got through to a different LO in a call center and was able to get some information about the process. I asked to be changed to her since she was quite helpful ( unfortunately the exception right now with PenFed instead of the norm ) and she let me know that I needed to work with the Processing Department to find out more about the appraisal. I had called and emailed the assigned processer each day between XXXX & XX/XX/XXXX plus my realtor was calling and emailing the processer too. It was not until we cc'ed my LO, another contact in PenFed believed to be a manager, and I titled the email subject line " 3rd REQUEST for info on the Appraisal for ... '' that we got a brief response on Friday XX/XX/XXXX from the processer to my realtor that they were looking into it and they will call shortly. " Shortly '' turned into a response the following Friday XX/XX/XXXX despite more attempts by my realtor and I to contact the processer via email and phone. During that week of panic as the Due Diligence period closed and we were in the dark about what was going on with the appraisal, we successfully negotiated an amendment with the sellers to extend the Due Diligence period to XX/XX/XXXX but their patience was growing thin. During the call to me on Friday XX/XX/XXXX, the processer let me know the appraisal is scheduled to be complete by XXXX. I requested on the phone that this issue be escalated with management and that they try to expedite the appraisal so it was completed by XX/XX/XXXX. The processer said they would follow up on it that day and let me know what was the outcome of the request. My realtor also requested via email that it be escalated and now the XX/XX/XXXX Due Diligence deadline is approaching. Once again, I will be forced to put more money into the deal ( another {$1500.00} for the Earnest Money ) not knowing whether the property will appraise out and support the deal or risk losing the deal.
Also, of note, during this process on XX/XX/XXXX I have requested a formal complaint on this matter be opened up with PenFed 's Compliance Department but I have yet to hear anything about that. Since I have not heard anything back on that, I have sent my complaint today to PenFed 's Board and their Board 's Audit Committee in hopes that someone there will respond to my requests.
Lastly, I realize these are unprecedented times with the pandemic and historically low rates but if PenFed can not provide some basic level of service, they should not take on the applications. All of this could have been avoided with a simple " sorry we're really busy but we've called the appraisal company as promised and haven't heard back from them '' or a " sorry for the inconveniences and slow service, we'll knock a {$250.00} off your closing cost '' or something like that since they pretty much have you locked up in the mortgage process once you get to a certain point. At this point, Im at the mercy of PenFed but hope someone there or one of their regulators will help get a response and even better, get them to get the appraisal escalated after having weeks to get it down.
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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|
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Web |
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I am writing to file a formal complaint regarding credit discrimination and a breach of fiduciary duty by a lender, who is also a Federal Reserve agent. As a protected creditworthy consumer, I believe my rights have been violated under various federal regulations, including the Electronic Fund Transfer Act ( EFTA ), Equal Credit Opportunity Act ( ECOA ), Truth in Lending Act ( TILA ), and Regulation B.
I am the owner of record and original grantor of valuable personally identifiable information ( PII ), which was provided through an online completed application for a consumer credit transaction. This data deposit serves as an electronic form of credit extension and was intended for good faith consumer purposes. However, despite my rights as an informed consumer, including the right to rescind and receive appropriate finance charge and Truth in Lending Act ( TILA ) disclosures, the lender denied me credit without providing any valid reasons or verifiable evidence.
This denial constitutes multiple violations of the aforementioned federal regulations. Firstly, it violates the EFTA by failing to provide me with the right to rescind the credit application within the specified timeframe. Additionally, the lender did not disclose any finance charges or provide me with required TILA and use of credit disclosures.
Furthermore, this denial also contravenes the ECOA and Regulation B by discriminating against me based on protected characteristics such as race, gender, age, or any other prohibited factors. As a protected creditworthy consumer, I should not be subjected to such discriminatory practices.
Moreover, this unjust denial has discouraged me from applying for further extensions of credit. The lender 's actions have created an environment that discourages me from exercising my rights as a consumer. This is a clear violation of my rights under the ECOA and Regulation B, which aim to promote fair lending practices and equal access to credit.
I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against the lender for their violations. I also urge you to dispute the reasons provided by the lender 's directors, as they have failed to provide certifiable proof for their decision, as required by the Fair Debt Collection Practices Act ( FDCPA ).
The lender 's denial of my credit extension request constitutes multiple violations of federal regulations. Specifically, it infringes upon the Electronic Fund Transfer Act ( EFTA ), Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), TILA, and Regulation B. These violations are outlined as follows : 1. Violation of EFTA : The lender 's denial without proper evidence or justification constitutes unfair treatment under the EFTA. This act ensures that consumers are provided with accurate and timely information regarding electronic fund transfers.
2. Violation of FCRA : By denying my credit extension request without sufficient proof or explanation, the lender has failed to comply with the FCRA. This act aims to protect consumers by ensuring fair and accurate reporting of their credit information.
3. Violation of ECOA : The lender 's denial of my credit extension request without valid reasons constitutes a violation of the ECOA, which prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.
4. Violation of TILA : The lender 's failure to provide me with necessary disclosures regarding my right to rescind, finance charges, and other TILA requirements is a direct violation of this act. TILA ensures that consumers are fully informed about the terms and costs associated with credit transactions.
5. Violation of Regulation B : The lender 's denial without proper evidence or justification also violates Regulation B, which implements the ECOA and prohibits discriminatory lending practices.
I appreciate your attention to this matter and look forward to a prompt resolution. Please find attached any supporting documentation that may assist in your investigation. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact details.
Thank you for your assistance in addressing this issue.
|
| 08/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
Me ( XX/XX/2022, XXXX PM ) : You wrote : XXXX ( XX/XX/2022, XXXX PM ) : Hello, my name is XXXX. Welcome to XXXX Customer Care.
Me ( XX/XX/2022, XXXX PM ) : I want to cancel my order # XXXX XXXX Driver Updater {$68.00} {$68.00} Sub-total {$68.00} Tax {$5.00} Total {$73.00} XXXX ( XX/XX/2022, XXXX PM ) : Hi XXXX.
XXXX ( XX/XX/2022, XXXX PM ) : I understand you wish to cancel the XXXX Driver Updater subscription, sorry to hear that, May I ask the reason for the cancellation so that we can help you with your difficulty.
Me ( XX/XX/2022, XXXX PM ) : I do not use the product any more.
XXXX ( XX/XX/2022, XXXX PM ) : I understand, I will transfer the case to the concerned team regarding CPS cancellation request, they will help you with the cancellation.
XXXX ( XX/XX/2022, XXXX PM ) : Hello, my name is XXXX. Welcome to XXXX Customer Care.
Me ( XX/XX/2022, XXXX PM ) : I want to cancel my order # XXXX XXXX Driver Updater {$68.00} {$68.00} Sub-total {$68.00} Tax {$5.00} Total {$73.00} XXXX ( XX/XX/2022, XXXX PM ) : Hello XXXX.
XXXX ( XX/XX/2022, XXXX PM ) : We're sorry that your previous chat got disconnected.
XXXX ( XX/XX/2022, XXXX PM ) : I realize that you're requesting to cancel your subscription.
XXXX ( XX/XX/2022, XXXX PM ) : Let me check your account to help you.
Me ( XX/XX/2022, XXXX PM ) : I have two charges one for XXXX and XXXX I want to cancel both charges.
XXXX ( XX/XX/2022, XXXX PM ) : Hello, my name is XXXX. Welcome to XXXX Customer Care.
XXXX ( XX/XX/2022, XXXX PM ) : Hi XXXX.
XXXX ( XX/XX/2022, XXXX PM ) : Unfortunately, your chat was disconnected from previous technician and connected to me.
XXXX ( XX/XX/2022, XXXX PM ) : Please give me 2-3 minutes while I check your conversation and continue further.
XXXX ( XX/XX/2022, XXXX PM ) : Thank you for waiting.
XXXX ( XX/XX/2022, XXXX PM ) : I have checked your messages and understand that you wish to get refund for your recent charges of {$82.00} and {$69.00}. Is that right?
Me yes!
XXXX XXXX ( XX/XX/2022, XXXX PM ) : Welcome to XXXX Live Chat!
My name is XXXX XXXX and I will assist you today.
XXXX XXXX ( XX/XX/2022, XXXX PM ) : Hi, XXXX!
XXXX XXXX ( XX/XX/2022, XXXX PM ) : I am sorry if you got disconnected from the previous chat. No worries, I'll do my best to help you out with your concern.
XXXX XXXX ( XX/XX/2022, XXXX PM ) : Kindly give me 1-2 minutes to pull up your account here on my end and review the transcript that you just sent.
Me ( XX/XX/2022, XXXX PM ) : Please just cancel the above mentioned bills.
XXXX XXXX ( XX/XX/2022, XXXX PM ) : Im sorry to hear that youre thinking of leaving our service. Please stay online while I am pulling up your account, so I know how I can assist you better.
Me ( XX/XX/2022, XXXX PM ) : XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX REFERENCE ID : XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX PM ) : Thank you for holding, XXXX. I am sorry but there are no recent charges from your XXXX. May I know the email address linked on your account?
Me ( XX/XX/2022, XXXX PM ) : XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX REFERENCE ID : XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX PM ) : I can see here that it is under your email address with the domain XXXX '', can you provide me the full one?
Me ( XX/XX/2022, XXXX PM ) : XXXX XXXX XXXX ( XX/XX/2022, XXXX PM ) : Thank you very much for that, XXXX.
XXXX XXXX ( XX/XX/2022, XXXX PM ) : Upon checking, I can confirm here that you have 2 charges for your XXXX Premium Security and XXXX Cleanup Premium that both renewed on XX/XX/2022.
XXXX XXXX ( XX/XX/2022, XXXX PM ) : Please take note that the programs are capable of protecting your computer from viruses and hackers, while the other one is keeping your computer running smoothly.
XXXX XXXX ( XX/XX/2022, XXXX PM ) : Could share the main reason behind your not continuing with the services. Is the issue with the service or price?
Me ( XX/XX/2022, XXXX PM ) : Both and annoying pup ups and customer service!
XXXX XXXX ( XX/XX/2022, XXXX PM ) : I do really apologize on behalf of the representatives who keep on getting disconnected from you due to technical issues. But, I will make sure that your concern will be fixed through our chat.
|
| 08/02/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Back in XXXX of XXXX I discovered that my perfect credit had been ruined because there were accounts on my report that were charged-off or in collections. There was three specifically. The XXXX XXXX company, Pentagon Federal Credit Union, XXXX XXXX XXXX XXXX. I found out because I was attempting to purchase a home and the mortgage lender informed me this was preventing me from being able to qualify.
I've had a 700+ score for as long as I can remember. I have never once paid a bill late or have been in collections. Furthermore, none of the three companies that were reporting on my credit report are mine nor have I ever associated with any of them. Because of this I began an investigation and took steps to begin having these accounts removed from my credit report. I did so by calling all the companies listed on the report which were erroneous as well as filing a police report. I did so back in XXXX of XXXX. At first they kept telling me they were going to take care of it but that never seemed to happen. I would call all three of the creditors over the months and I kept getting the same response. After nearly a year of no results, I finally decided to hire a professional to assist me. I contacted a local company who has been helping consumers for many years in XXXX.
When I contacted this consumer advocacy company, they informed me that I should supplement the police report with a notarized ID theft affidavit. I went ahead and did so in XXXX of XXXX. They assisted me in filling it out and submitting it to all three major credit bureaus as well as every creditor and collector listed on the report. At first I would receive what I call bogus noticed from the credit bureaus asking me for more identification so I went ahead and provided them with whatever they were asking for. After several months I finally began making some sort of headway on my credit. XXXX XXXX deleted all the fraudulent accounts on my credit report.
Once XXXX XXXX deleted the accounts from my report I believed things would go well from that point on. Unfortunately they didn't. XXXX did delete 2 of the three fraudulent accounts from my credit report, but XXXX didn't remove a single one. It frustrated me even more because one of the collectors, The XXXX XXXX XXXX, actually sent me a letter stating they would be deleting themselves off my report. How can the actual collector who sent me a notice in writing saying they are being deleted from my credit report still be verified by XXXX? That is impossible unless XXXX is not doing their job. Also, If XXXX and XXXX XXXX both deleted the 4 wheel parts account because it was invalid and fraud, how can XXXX claim it was legitimate? They can't unless they are not doing a real investigation.
This is not the end of it either. Over the last week I have been receiving calls from a collector asking me for my social security number and refusing to speak with me unless I provided them with my full number. I went back to the consumer advocates who were helping me and they got a hold of this company as well. XXXX was their name. Without going into too much detail to save us all time, it will suffice to say that the manager XXXX informed us he just received the account for collections from Pentagon Federal Credit Union 1 month ago. Because my notarized affidavit as well as police report was provided to all creditors, collectors, and credit bureaus since XXXX, why would the creditor send me to collections without responding to my fraud claim first? I am now really upset because I feel like I am being discriminated against. The collection agency was notified I have filled out a notarized ID theft affidavit as well as police report and submitted it to Pentagon Credit Union months ago. I demanded they cease collections and cancel the account back to their client or they would be included in this complaint as well.
Please help me in stopping XXXX as well as Pentagon Federal Credit Union in stopping from reporting these fraudulent accounts on my credit report. If this doesn't work, my only other option is a lawsuit as I have exhausted all other means of getting these companies to correct their records.
|
| 02/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
Pentagon Federal Credit ( Pen Fed ) mistakenly and carelessly wire transferred my money to a wrong account. I instructed Pen Fed to transfer {$650.00} to my sister, XXXX 's account via ACH XXXX XXXX in New York on XX/XX/XXXX. The following events took place : - XX/XX/XXXX I called Pen Fed and asked the status of that wire transfer, I was told to wait after XXXX XXXX because everyone have gone for the holidays.
- XX/XX/XXXX I sent an inquiry to Pen Fed asking about my money, but no one bothered to reply my message.
- XX/XX/XXXX I sent another message.
- XX/XX/XXXX Received an email from Pen Fed stated that {$650.00} was transferred to XXXX, account ending with XXXX ( XXXX XXXX ) by mistake. When I contacted XXXX and she checked her account, but there was no {$650.00} transfer into her account at all.
- Later on that day another email from Pen Fed arrived apologizing for the miscommunication of recipient 's name. It also stated that the wire for {$650.00} was sent to XXXX to an account ending with XXXX with routing number of XXXX XXXX XXXX XXXX.
( My sister, XXXX had never opened an account with XXXX XXXX XXXX. She is a XXXX citizen who spent a year in Florida as an exchange students back in XXXX. The only bank account she opened while living in the States was with XXXX XXXX. She discarded her saving book and everything about XXXX XXXX shortly after she returned back to XXXX because she has no plan of visiting the U.S.A. any time soon.
- XX/XX/XXXX Pen Fed representative stated that they listened to the recorded conversation of my XX/XX/XXXX wire transfer instruction and that I told the representative to use the routing number, bank account number and recipient 's name under the remarks section ( when I transferred money in XXXX I have asked the representative to save those information for future use ). Yes, I said that, however, I also went over those routing number and account number with the representative, she even said XXXX XXXX name after she input the routing number on her computer.
- XX/XX/XXXX I sent a message to Pen Fed asking about my money.
- XX/XX/XXXX Pen Fed email stated that my sister needs to contact XXXX XXXX XXXX to have them return the fund, Pen Fed also provided me with XXXX XXXX XXXX routing number, the account number Pen Fed sent the money to at XXXX XXXX XXXX.
- XX/XX/XXXX, My sister sent an email to XXXX XXXX XXXX explaining what happened and asked XXXX XXXX XXXX to return the fund back to Pen Fed. As of today, XX/XX/XXXX, we still have not heard from XXXX XXXX XXXX.
- XX/XX/XXXX I sent a complaint letter to Pen Fed Board Chairman. No reponse from anyone yet.
- XX/XX/XXXX my sister called XXXX XXXX XXXX, explained what happened and gave them the account number Pen Fed provided us that was supossedly the {$650.00} has been transferred to. The representative can not find such account nor any such transfer and recommended we try to reach the branch my sister had an account with. ( How are we supposed to do that, once again my sister never opened an account with XXXX XXXX XXXX? ) - XX/XX/XXXX another complaint letter was sent to Board Chairman. Still waiting for a reply.
- XX/XX/XXXX my call to Pen Fed led to no where. They are saying they transferred the fund based on the information I gave them. First of all I didn't even know my sister ever had an account with XXXX XXXX XXXX, so how could I provide Pen Fed with such account number and the routing number.
- Pen Fed recorded my wire transfer instruction on XX/XX/XXXX and in there I instructed the representative to transfer the money to XXXX XXXX in New York and to use the same recipient 's name and account number same as the one I had transferred in XXXX and XXXX. Those two transfers went to my sister 's account as I instructed.
- Last year similar mistakes were made by Pen Fed dealing with my transfers and one of them caused Pen Fed {$65.00} for returning fee imposed by XXXX XXXX when Pen Fed first put my name as both sender and receiver, and when they try to correct, they spelled both first and last of recipient 's name wrong, therefore, bank can not release the fund and has to be returned back to Pen Fed.
|
| 12/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
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I have been a XXXX XXXX member since XXXX and XXXX XXXX holder since XXXX. I never had issues paying them and am a low risk customer in that I generally have high earnings, good payment history and higher credit scores. I used the accounts to keep my earnings as a law professor separate from my other accounts as this was generally for savings. In XXXX, I bought a condo and had charged quite a bit as I settled in, but was paying it back. I did this mainly because it is a low interest card with rewards to some of my favorite stores and I saw the purchases as an opportunity to maximize points and keep some cash on reserve for emergencies. Until XXXX, my credit score hovered in the mid XXXX and my salary was in the XXXX range depending on how many classes I taught. My on-time payment percentage is still 95 %. I am a low risk customer. During these years, XXXX XXXX gave me a line of credit and checking account, which I rarely used to deepen my relationship with them.
In XXXX of XXXX I learned my info had been exposed in the XXXX breach when I was disputed unauthorized charges on another card. A month later, I learned the same about XXXX. Further a very old issue of a student loan in arrears that belong to another borrower with my same name resurfaced when banks merged. I have been rebattling that issue and the identity theft issue since. I have notices on my credit report and tax returns and have resolved some of the unauthorized payments.
Despite my not having any payment issues with them XXXX XXXX arbitrarily closed my line of credit ( but not properly because they were stil charging service fees ), my checking account and my credit card account. There was no call or conversation. My mortgagor, car lender, and another credit card company sent emails and called when they heard about the breaches - giving me a chance to explain my situation and what I was doing to resolve it. They did not do anything negative with my accounts and I have stayed in communication with them as this situation resolves.
XXXX XXXX on the other hand, is reporting this closure negatively as if it is a XXXX debt charge off. This has had a negative impact on my credit score and could harm me at work as I am cleared staff that most report when such things happen without cause. I have been making payments on the account and usually transfer every pay period ad my goal is to pay it off now that I am done with the purchases I needed to make. I was two day and {$46.00} dollars late and someone from XXXX XXXX called me three times in one day to bother me. Even after I immediately logged on and payed what they wanted and some extra, they hit me with an outrageous delinquent fee on XXXX XXXX. That is nowhere near my due date of XXXX XXXX, XXXX nor the previous date for which I owed the {$46.00}.
Other than working to resolve issues related to corporate incompetence like many other Americans, nothing about me as a customer has changed. For three years, I had no payment issues with XXXX XXXX. My salary has not changed and other than the above mentioned issues, nothing in my payment status has changed. I would like for XXXX to stop reporting this card as a charge off and re-open the account. I will pay it off just as any other high earner would treat such a card and use it sparingly as I had done in the past before I made the active decision to use it in this way, knowing that I will get paid more than the balance just for teaching this summer. There is no reason for them to have done this than to engage in practices that willl yield them more fees while hurting their customers.
I also tried to reach out to them about a potential intrusion into my accounts by an ex-boyfriend who is one of their employees. He works in XXXX XXXX XXXX department and while we were dating, he brought up financial issues that I never told him. I asked them about any unauthorized access to my accounts in late XXXX to XXXX XXXX. They told me they dont monitor such things. I have no idea if my rights have been violated.
I hope CFPB can help me work through this. So far all I have gotten is put on hold and re-directed.
|
| 01/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American, Servicemember |
|
There follows the response from the credit union that had earlier this year sent me via XXXX first class mail an offer on its letterhead coupled with that of the XXXX for XXXX XXXX XXXX ( XXXX ), an organization that is similar to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a credit card solicitation for its Gold Card that if I applied for and was approved for the credit card, the XXXXredit union would pay for my annual membership renewal fee with XXXX and would grant me a one hundred dollar statement credit for charging a preset amount of purchases on the credit card within ninety days. The credit union sent me the offer, a member in good standing that has ultimately been approved for every credit card application I have applied for over the many years that I have had an outstanding relationship with the credit union. Also, within the following is my request for reconsideration I had submitted prior to the credit union turning down my application for the Gold Card pertaining to the XXXX offer I received in my mailbox the previous weekend : Dear Member, Unfortunately, we are unable to offer you credit on the terms that you requested. A letter has been sent to you via physical mail to provide further details.
If you have any additional questions you can contact a Member Service Representative at XXXX. Representatives are available 7 days a week during the following hours : Monday - Friday : XXXX am to XXXX pm ET Saturday : XXXX am to XXXX pm ET Sunday : XXXX am to XXXX pm ET Sincerely, XXXX XXXX.
Consumer Loan Processor PenFed Credit Union -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - Sent : XX/XX/2022 XXXX PM To : XXXX Subject : Re : credit card application Gentlemen : In response to the credit card offer I received at my home address via XXXX first class mail from Penfed Credit Union ( jointly with XXXX ) on Saturday, XXXX XX/XX/XXXX, I responded to XXXXended Credit Unions solicitation by applying for the Penfed Gold Credit Card because of its appeal to me with its offer of paying for my membership renewal of XXXX as well as the {$100.00} statement credit offer should I use the credit card to charge purchases up to a pre-set amount within XXXXinety days.
Since I have applied for the offer, I have frequently checked my Penfed app tools section for my application status.
Though there appears that no final decision has been made by underwriting on my application number XXXX, this afternoon I discovered a note on my application status that I am at my maximum credit available, which may mean that my application may be turned down for exceeding the available credit already extended to me by Penfed Credit Union.
Therefore, before underwriting turns down my application for the Gold Card you suggested that I apply for via your letter I received Saturday, please forward this, my request for reconsideration of my pending credit card application to the underwriting department with my suggestion of how that underwriting can approve my application, allow me to enjoy the benefit of Penfeds solicitation I received Saturday, and get around the reason Penfed states on my application status is why that I was not instantly approved : Counteroffer submission to underwriting via email message XXXX XX/XX/XXXX - - - If the fact that my Social Security and Veteran XXXX compensation, having both increased by 5.9 % last month ( and permanently going forward ) which has increased my annual non-taxable income to {$85000.00} can not cause Penfed Credit Union to upwardly adjust my available maximum credit amount, then in the alternative please do the following : Select one of my other open credit card accounts with no current balance owed and reduce my available credit limit on that Penfed credit card by an amount you can see to approve my application for the Gold Card so that I can enjoy the benefits of the advertisement I received from Penfed in my mailbox Saturday.
Please ask your underwriting department to respond as soon as is convenient for underwriting.
Sincerely, ( My name redacted per CFPB rules ) Sent from my XXXX ref : XXXX : ref
|
| 10/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I completed my application with the loan officer in XX/XX/2020 and was put through their automated system and was approved for a 10 % down low interest rate mortgage. I submitted all documentation requested and agreed to push out our escrow to accommodate their timeline. I was already in the approved status with another lender, BUT their officer contacted me sold me on their product and terms, so I switched to them. WORST DECISION EVER!
We pushed out the close of escrow three times now. Two weeks before our original set date to close, they come back and say now I need 20 % down ( 10 business days before our closing date ) having made plans all along based on 10 % down and btw MOVING ACROSS THE COUNTRY. A manager then got involved and said he could do 15 %. This should have been my first red flag.
After delaying escrow closing yet again, I finally got my closing settlement and conditions to close starting the 3 day waiting period to close. I filled my two minor conditions within an hour of receiving them. PenFed then sent an email to escrow and title to set the closing for Friday XX/XX/XXXX I wired the funds needed to close at escrow on XXXX/XXXXXX/XX/XXXX The morning of closing day, I receive a message asking for more documentation of the proceeds from the sale of my prior home THE DAY OF CLOSING. I jumped through hoops but was able to get a copy of the check from the escrow company for the sale of my home. Should have been a HUGE RED FLAG. But repeatedly I was told to trust the process, by the loan officer and processor ( who never once returned my calls ).
All porties arrived to closing only to have no documents, needless to say we didnt end up closing on Friday. I got a voicemail that all parties listens to explain ya glitch in the underwriting system that could be fixed that night or over the weekend, etc while in the waiting room waiting for closing docs at the escrow office. I then received an email from Pen Fed saying our underwriting team is reviewing your file right now, however this will likely not be completed in time for a closing today. Your documents were received too late in the day to get a same day rush completed.
Also on Friday I received an email from Pen Fed saying we have submitted the loan to underwriting, for a Clear To Close once that happens, a closing package will go out. Why did they give the direction to schedule the closing in the first place then???
Now this Monday, XX/XX/XXXX I am being told my credit history from five years ago is being questioned with regard to late pays on my credit from over 5 years ago is being brought up NOW?? Theyve had my credit report since day one and on the 11th hour theyre bringing this into play?
All along I have communicated my documents requested, repeatedly asked if they needed anything, agreed to pushing out escrow because of delays on processing and underwriting to now be told at the 11th hour the loan may not close?
I communicated multiple times that my furniture was being moved all the way across the country, the sellers graciously allowed us to let us move our items in on Wednesday when the truck showed up to avoid additional moving expenses AND because escrow and title had received direction from PenFed to schedule the closing for Friday XXXX. On Monday XXXX I was formally notified they would not be finding my loan due to late pays from over 5 years ago!!!!
There are so many other examples of improprieties and misleading practices all with written proof either via email or text from the loan officer and his manager its pathetic I didnt run away and go back to my original lender sooner.
I have since emailed their manager explaining this matter in more detail with hopes that there must be something that can be done to resolve this, as it seems highly unfair that we have gone through this process and have overly communicated and had multiple responses from different people through this process and are now in this predicament because of relying on the communications received from PenFed. No response whatsoever!!!
|
| 12/21/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities for fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. Pentagon Federal Credit UnionXXXX XXXX XXXX XXXX are financial institutions by definition under that title. Pursuant to 15 USC 1681a, ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. Per 15 USC 1681b Permissible purposes of consumer reports -In accordance with the written instructions of the consumer to whom it relates. I never gave written instructions authorizing the creditor to send my personal information to any credit bureau. The Creditor did not get my consent to add anything to my consumer report, which is a violation of the Fair Credit Reporting Act.
-P.L . 90-321 ( 82 Stat. 146 ), states that any agency can only get my consumer report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ).
15 USC 1681 section 604 section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Pentagon Federal Credit UnionXXXX XXXX XXXX XXXX XXXX financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ; Also Pentagon Federal Credit UnionXXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. Pentagon Federal Credit UnionXXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts are adverse items they are reporting again without my permission which is against the law. 15 USC 1681s 2 ( A ) ( 1 ) states, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures.
This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files.
Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time.
I am opting out of your reporting services to XXXX, XXXX and XXXX.
|
| 04/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
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Called pentagon federal credit union on Tuesday XX/XX/XXXX to request a copy of all the fraud events that were associated with my credit card account more importantly the events that occurred towards the end of last year where I was contacted by PenFed fraud detection asking me to confirm suspicious transaction attempts, 1 was a flight from XXXX XXXX airport to a country in XXXX amounting to a couple thousand dollars and the second was for XXXX XXXX or XXXX trip also totaling a couple thousand dollars once I confirmed I had no knowledge of these transactions PenFed took immediate action by closing the account and creating a new account with a new card number. However after spending over an hr on the phone PenFed the day of XX/XX/19 Penfed seemed to not be able to identify where a record of these fraud events could be I asked representatives a set of questions to get them to realize or acknowledge that it is unacceptable for a financial institution to throw away any records or documentation of fraud events that occurred less than 12 months ago, my first question was if PenFeds fraud detection system identifies suspicious behavior and declines transactions does Penfed reach out to the customer to confirm fraud on an account to know if they need to record, investigate and document any action taken regarding fraud or do they just reach out to confirm fraud in order to know if a new card should be sent out? Each time a sense of panic filled the air with reps putting me on hold and trying to scramble together a way to address my question finally a manager said that while they dont have the information about the fraud attempts he will send me a document on XX/XX/XXXX stating fraud did occur and a new card was issued with new account. The next day Penfed stated they got the request but was too busy to formulate a basic document with no detail, on XX/XX/19 I called again and a rep from member services transferred me to a manager by the name of XXXX she advised me that the request for the document was submitted and she will make sure I receive it by XXXX XXXX calls me at XXXX stating that they got rid of the report documenting the attempted fraud that was detected. I then expressed how this was unacceptable and inquired on notes that were associated to the account around the dates of the issuance of the new account number XXXX begins to get upset and starts incoherently answering my question with answers to a question I didnt ask and just repeating that answer ( I was asking if they had notes for those dates and she kept saying there is no record because the charges fell off. But that should not affect the fact that Penfed called me and confirmed fraud I wanted notes from the call regardless of transactions ) despite several attempts to provide clarity I then realize that Id have a better chance getting an automated system to help than XXXX so I asked to speak to a manager XXXX then suddenly becomes very pleasant and transfers me to XXXX I assume her supervisor same thing occurs XXXX puts me on hold several times and on the final time XXXX says the fraud department stated that disputes should have what Im looking for and XXXX stated he would reach out to them on XX/XX/19 I said ok well thats odd because there was nothing for me to dispute and we can see all the disputes Ive submitted if these events were under disputes wouldnt we see them as well? XXXX tone became very assertive and said : Sir! This is the information Im being told. I will reach out to them tomorrow and call you back I requested for XXXX to send me a document outlining our interaction and what occurred during the call and specifically that he would call me back on XX/XX/19 after speaking with disputes XXXX declined and got very upset I inquired why and initially he stated that it was a waste of his time which infuriated me and I reminded XXXX of how Much time of mine Penfed has wasted Time that hes getting paid for and Im not, after that XXXX put me on hold and hung up the phone minutes after. Penfed has not made contact since.
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| 10/28/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American, Servicemember |
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Recently, I relocated to XXXX from XXXX and encountered significant difficulties with this bank. I opened an account with them because I wanted to get a mortgage. Initially, I used my XXXX address, which was still my legal address at that time, as my house was not yet sold. I was also aware that the bank would check my credit to open the account and the address should match.
After opening the account, I requested them to change my mailing address to my post office box in XXXX since I was living in hotels until I could purchase a house. They asked for ID verification in-branch, which I promptly provided.
When it was time to buy a house, I requested them to wire my escrow funds, which they did without a problem. However, the majority of my funds were still in XXXX XXXX in XXXX, and I needed them to wire money for my closing. XXXX XXXX would not do this over the phone, and I had to go in person. Unfortunately, there were no branches near me.
I asked XXXX about transferring money to PenFed, and was told that the only method from XXXX was through bill pay. I proceeded with this process, which took 10 days due to PenFed 's claim of not accepting electronic transfers. PenFed then placed a hold on the funds.
The closing company informed me that I needed to prove I still had the XXXX XXXXXXXX in any bank and did not withdraw it. I showed them the pending status in PenFed, but they could not use this. I contacted PenFed on XX/XX/XXXX and asked when the hold would be released, and was told XX/XX/XXXX.
After a series of requests for them to release the hold, I was told to send proof the funds were withdrawn from XXXX. My statement had not cycled yet so I sent a pdf print out of my transactions from XXXX wrbsite. They did not accept this because it did not have my name or acct #. It did contain the transaction and showed the check #. I gave them the only thing I could get from XXXXs site. I was then locked out of my PenFed account for XXXX days. I stopped calling because i didnt want to have a XXXX from the stress they were causing me. On the evening of the XXXX, I was able to log back into my account with the same credentials, but the funds were still not released.
When I called again, for the XXXX or XXXX time, they informed me that they would not release the funds indefinately until I provided the requested proof. I questioned this protocol and was told it was due to the large sum of $ XXXX. I had to remind them that the money came directly from a bank, not a personal check. Do they do this to ALL bill pay transfers or was it just me. Make this make sense to me.
I asked to speak to a supervisor and while on hold, I checked XXXX XXXX and my stmt cycled earlier that day so I was able to obtain a screenshot from XXXX XXXX showing the withdrawal. It contained the bank name, my account 's last digits and my name. All the info they requested. I uploaded this before the supervisor got on the line Upon speaking with the supervisor, I felt that their actions were XXXX motivated. Despite providing the requested proof, and doing every single thing they asked of me I was informed that the fraud department must now review my upload, which could take XXXX days. This could have all been resolved by a phone call to XXXX XXXX XXXX provided a nice letter letting them know the funds came from a mutual customer and provided a letter with a number they can call with any questions This experience has led me to plan to close this account once my house purchase is completed. I have a good job, good credit and earn a decent income, yet I have never been treated like a criminal before. I choose not to engage with institutions that display such behavior.
I 100 % believe this is a XXXX motivated incident and if I were a XXXX XXXX this would have played out a lot differently. I want my money released immediately. I am not providing anything further. I went to the branch and proved I am who I am. The check was from a bank. This is unfair and XXXX of them.
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| 04/01/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
Servicemember |
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In XXXX of XXXX, I attempted to open a checking account with Pentagon Federal Credit Union ; of which I have been a member for at least 13 years. When trying to open the account online, I received an error message of " We can not establish your account at this time. Please contact us for additional information and assistance. '' I then called Penfed to find out the issue and they informed me over a month and a half later that I had a charged-off account from XXXX for {$360.00} that stemmed from a " bounced check '' that was written to me and deposited from a former employer of mine back in XXXX. I vaguely remembered the situation and informed them that I would pay whatever amount needed to be paid to settle the debt and be in right standing. They informed me that I would be in right-standing with the Penfed the moment I paid the debt and I told them to take the money out of my savings account asap.
Several days later, the money was removed from my account to pay the debt and I attempted to open the checking account ; the same error message appeared. I then called the representative that instructed me to call her back if I had any issues ; by the name of " XXXX. '' I told her that I still couldn't open the account and had me hold as she did more research ; still nothing and told me the individual by the name of " XXXX '' was on leave and wouldn't be back until Monday ; I was told to call back then. When calling back, I received another representative ; which I explained the situation to. He asked me to hold and he would do research. When he returned, he informed me that although the {$360.00} was paid, there was an additional {$96.00} that needed to be taken care of for " interest. '' I said, " that's not what I was told but fine, can we just pay it so I can be in good standing and open up my account? '' He said sure, attempted to pay it, and couldn't due to the restrictive nature of the account. He said he needed to email " XXXX '' and he would have to move the money from my savings and fully pay the debt. I further asked, " why wasn't this disclosed when we spoke about the initial debt of {$360.00}? '' He said this was interested and maybe the other representative didn't see it or know anything about it ; even though both asked the same individual named " XXXX. '' Nonetheless ; I was again told that when the debt is paid, the restriction would be lifted and I would be able to open up my checking account, apply for credit cards/loans etc. I never understood why I was being denied credit cards and loans for 7 years until I inquired about this debt ; they were automatically denied due to the restriction on my account per the representative.
Fast forward to today, XX/XX/XXXX ; I called yet again after no return calls for several days and inquired about that debt. Now I'm being told the interest from XXXX went from {$96.00} to {$110.00} and there is no guarantee that I will be in right-standing, even if I pay it. This is totally contrary to what I was told when I called the other almost 2 dozen times over the last several months. Nonetheless, I paid the {$110.00} because I was told I owed it but I feel very discriminated again, devalued, and disappointed as a veteran, a business owner, and an XXXX American male by this establishment. I have gotten the run around for several months for a debt that I approached Penfed about, not the other way around. I have applied for loans, credit cards, etc, and was NEVER told about this debt being the reason that I was automatically denied.
It was not until today ; after I told the representative that I wanted to close my account and will report this Credit Union to the CFPB, the XXXX and the XXXX, and that I want to close my account that they took the {$110.00} within 10 mins. Interesting! I will be filing a complaint with the other said organizations and possibly filing a lawsuit against them for discrimination.
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| 07/08/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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My Name is XXXX XXXX, residing at : XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX, email : XXXX. Complaint as follows : Today 's Date : XX/XX/XXXX.
I applied for an FHA XXXX Fixed loan for a new construction home loan with an interest rate of XXXX and was pre-approved by PENTAGON Federal Credit Union located at XXXX XXXX XXXX XXXX, XXXX, VA. XXXX XXXX # XXXX on or around XX/XX/XXXX. I am working with XXXX XXXX XXXX : # XXXX. XXXX XXXX was provided with an on-line application in addition to all the necessary documents proving verification of income from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, in addition to a credit report, bank statements, tax records and all the necessary documents in order to process the loan without delay. These documents were faxed on XX/XX/XXXX supporting the pre-approval notification.Sixteen pages of documents were faxed from the XXXX office located at XXXX XXXX XXXX, XXXX, IN XXXX. XXXX was also provided a sales contract from the new home construction company under the name of XXXX XXXX, XXXX, IN by XXXX XXXX XXXX. Both myself and XXXX XXXX assured the documents and sales agreements were forwarded correctly. The original income verification consists of the following : Social Security XXXX XXXX of an annual benefit amount of {$11000.00} or {$990.00} per month, in addition to Pay-stubs from my employer for XXXX consecutive months, in addition to Bank Statements for XXXX months from XXXX XXXX XXXX XXXX XXXX XXXX, IN in addition to filed Tax documents starting from XXXX thru XXXX. PenFed was informed that a down-payment in the amount of {$26000.00} would be provided on a loan amount of {$260000.00}. The funds were also verified and included in the bank statements provided them from XXXX XXXX XXXX XXXX. The documents prove that a total annual income of {$47000.00} is the amount. I have a total debt of {$70000.00} and a good credit score of XXXX through XXXX. {$59000.00} of that debt are Educational loans of which PENFED was provided a statement of INCOME DRIVEN REPAYMENT PLAN OF {$74.00} PER MONTH.. Secondly : I received a decline notice from Penfed claiming my debt ratio 's were not in line with what they needed for approval. Upon speaking with the representative XXXX XXXX in addition to XXXX XXXX, PenFed 's income information is incorrect. I have provided them with the income I currently receive from both my employer in addition to the Social Security Administration. The total annual income is as stated above at {$47000.00}.
On XX/XX/XXXX I added a co-applicant XXXX XXXX XXXX who is my biological child to my original application, which forced me to make an additional application to the original that was denied. The co-applicant has no established credit, and has no outstanding debt. The co-applicant 's annual income is {$28000.00} which should be added to my annual income of {$47000.00} with a grand total income of {$75000.00} with a total monthly debt of {$750.00}. These debt ratio 's are sufficient enough to be approved. I currently pay {$1500.00} per month for a leased rental house through The XXXX XXXX, XXXX XXXX, IN under the directioin of XXXX XXXX XXXX. I am on a term of XXXX year and the delays experiencing through PENFED are placing me at a great risk for financial upset and homelessness of which I will not allow to occur. My rent is paid on time and in good standing with XXXX XXXX XXXX. I have rental reciepts proving I am in good standing. I was informed by PenFed that XXXX XXXX XXXX 's income could not be used for income on the loan agreement due to the fact that he has no established credit. Any lapse in income for both myself and XXXX is due to change of jobs where an increase in pay is the cause for concern. These issues have been proven to be accurate to both PENFED Credit Union as well as the XXXX XXXX, XXXXXXXX XXXX for PENFED Credit Union.
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| 06/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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The creditor Pentagon Federal Credit Union ( aka PenFed ) continues to incorrectly report an account ( XXXX ) on XXXX of my credit bureau reports ( XXXX and XXXX ), even after multiple disputes to have them correct this for the last two years. This closed account is from a former automotive loan. The vehicle was repossessed in XXXX XXXX and went into charge-off status in XXXX XXXX. Further, the date of first deliquency was in XXXX XXXX, and is now or will be 7 years of age shortly, and should be removed from my credit bureau reports already, if not soon. Over the last two years, I have spoken with several individuals at PenFed, including a supervisor, XXXX XXXX. Each time they agree that it is reporting incorrectly, and each have stated they would get it corrected. XXXX XXXX has not responded to my calls nor voice mails for weeks now.
Details : XXXX : I previously disputed this more than 2 years ago, and PenFed did not respond to my dispute, so it was deleted. Then, as of XXXX, it was reinserted, but instead of being closed with negative information it is now reporting " Open '' and " Pays account as agreed '' and shows no former negative account activity. Neither XXXX nor the creditor notified me of this reinsertion per the FCRA law ( which states they have 5 days to do such ). As of XXXX XXXX, XXXX, I 've disputed this with XXXX based on that law, and XXXX has opened another investigation. I 've attached XX/XX/XXXX reports direct from XXXX and also from XXXX showing that this account was not listed under my XXXX XXXX, as well as a XX/XX/XXXX report from XXXX showing it has been reinserted under XXXX.
XXXX : I 've attached a XXXX XXXX report from XXXX showing the account is " Open '', was late in XXXX XXXX, a repo in XXXX XXXX, and a CO ( charge-off ) in XXXX XXXX. You 'll see on the same report that PenFed changed the dates on the CO to XXXX XXXX, then to XXXX XXXX, yet reporting " OK '' many times over the years. This XXXX XXXX report shows " By XXXX XXXX, this account is scheduled to go to a positive status ''. I 've also attached a XXXX XXXX report showing the payment history as completely different than the XXXX XXXX report. It shows COs of XXXX XXXX, XXXX XXXX, and XXXX XXXX, which do not match the same COs from the XXXX XXXX report, nor does it show the CO from XXXX XXXX, nor any of the XXXX account data as just discussed from the XXXX XXXX report. Each time an " OK '' or " CO '' is reported it changes the active status of the account and moves the date of positive status or deletion in the credit file to an additional plus approx. 7 years. This XXXX XXXX report shows " This account is scheduled to continue on record until XXXX XXXX '', also different.
XXXX : On my XXXX XXXX, XXXX XXXX report, you 'll see this account is listed in my XXXX data. However, you 'll see in my XXXX XXXX XXXX, XXXX report showing this account was deleted ( see the bottom of page XXXX of the report ). You 'll also see that it has not showed back up in my XXXX XXXX report. I 've also attached a XXXX XXXX report showing the same XXXX and early XXXX proper account history data, which compares correctly to the XXXX XXXX XXXX report.
Summary : - XXXX : The data should only show that this account is closed and a charge-off, that it went 30 days late in XXXX XXXX, an " R '' ( repossession ) in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX, and then a CO ( Charge-Off ) in XXXX XXXX. It will be 7 years from date of first deliquency as of next month, and should be fully removed no later than then, if not already, just like it has already been removed from my XXXX data.
- XXXX : Per the FCRA law, this account was reinserted into my XXXX data without proper notification to me, and should be promptly removed.
- XXXX : This account was already removed from my XXXX data, so no further action there needs to be done.
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| 03/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On Friday XX/XX/XXXX my XXXX XXXX XXXX stalled and all the oil in the vehicle leaked out on to the street. XXXX towed the car to XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX in XXXX, IL.
On XX/XX/XXXX I was informed that my XXXX XXXX was missing its oil drain plug, and the XXXX dealer proceeded to place fault on the last oil change. The last oil change was done at XXXX XXXX on XX/XX/XXXX. The XXXX dealership stated that the engine in the car will need to be replaced. The parts for the car with labor is estimated around {$7600.00}.
On XX/XX/XXXX I took the XXXX to the XXXX XXXX dealer because the car stalled while driving. At this time the engine was able to start, and it proceeded to turn off again. I took it in for service and was advised there was no oil in the vehicle. I told the service department I had just had an oil change and XXXX XXXX stated that there was no oil in the vehicle prior to the oil change on XX/XX/XXXX.
XXXX XXXX put more oil in the car and advised me to bring the vehicle back after 1,000 miles for an oil consumption test. After 1,000 miles I contacted XXXX XXXX to make a service appointment, at this time there was no oil leakage and the car was at 85 % oil life. I spoke with the XXXX XXXX receptionist whom was very unprofessional and unwelcoming. After waiting on hold and being hung up on multiple times she stated the dealers service department was full and did not have any availability for the next week or so. I did not take the car back because this was told to me on multiple occasions and I have obligations to fulfill for my family and myself. There was no oil leakage until the spill that occurred on XX/XX/XXXX resulting in this incongruity.
XXXX XXXX XXXX XXXX is denying all liability for this damage and its service department employees and upper management have placed responsibility on XXXX XXXX stating that whomever performed the last oil change did not replace the drain plug properly allowing it ( the drain plug ) to eject itself from its proper placement causing oil leakage and the engine to be compromised. XXXX XXXX also informed me that they will not be taking care of the rental car charges that I am also accumulating through XXXX rental car.
The XXXX XXXX service center that provided the service denied responsibility for damage and advised to contact customer support the XXXX number. The XXXX numbers automated system stated XXXX XXXX is currently experiencing a higher call volume than usual and instructed to visit the website.
I have filed a complaint with the XXXX XXXX XXXX, XXXX XXXX, The Vehicle Safety Hotline with the XXXX XXXX XXXX, office of defect and investigation, The Federal Trade Commission, Consumer Financial Protection Bureau and XXXX XXXX XXXX. I have also contacted the local news, and I plan to contact whomever else that will listen to my story since the dealership refuses.
The XXXX is currently under financial obligation with Penfed Credit Union and totals over {$26000.00} with a current estimated {$7600.00} engine repair needed. The current car payment is {$450.00} per month. I have never made a late payment. The financial company will be expecting the contracted amount regardless of the vehicles mechanical issues.
I am a working professional, who is currently enrolled in school seeking degree advancement, with XXXX children undergoing XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. As a customer who has fulfilled all financial obligations to both parties involved, I feel it is unfair and unethical to treat a customer this way. This would be a monstrous financial hardship to have to incur these costs for someone elses negligence. Not only is this devastating financially, the XXXX from it all is XXXX XXXX XXXX XXXX while Im still susceptible to XXXX and/or XXXX progression. I would like this issue to receive prompt attention.
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| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 XXXX XXXX : XXXX am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to PENTAGON FEDERAL CREDIT UNION written, unwritten, verbal or non verbal to report my nonpublic personal information. PENTAGON FEDERAL CREDIT UNION is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by PENTAGON FEDERAL CREDIT UNION that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which PENTAGON FEDERAL CREDIT UNION never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, PENTAGON FEDERAL CREDIT UNION violated the terms and conditions within their banking agreement, because PENTAGON FEDERAL CREDIT UNION states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE different disclosures before my nonpublic personal information is shared but I never received notice.
PENTAGON FEDERAL CREDIT UNION ALSO unlawfully sold this debt to a third party XXXX XXXX XXXX XXXX AFTER the debt had already been tendered in accordance with UCC 3-603 et al. I have never had a contract or agreement with XXXX XXXX XXXX XXXX and I do NOT consent to them reporting any account to my credit report. I am hereby invoking all rights under to OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al. Please see 15 USC 6802 B ) OPT OUT below.
A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Finally, PENTAGON FEDERAL CREDIT UNION is in clear violation of 15 USC 45 - Unfair methods of competition for their failure to update the records after receiving tender of the full balance of the debt in accordance with the Electronic Funds Transfer Act as well as their acts of securities fraud and Tax evasion which I intend to report XXXX XXXX XXXX via form IRS form 3949A.
To conclude, the above listed credit reporting agencies are in violation of 15 usc 1681 sec 604a section 2, because it states that a Consumer reporting agency can not furnish an account w/o my written instruction. I did NOT give consent nor written instruction to XXXX XXXX XXXX XXXX XXXX to report the PENTAGON FEDERAL CREDIT UNION account and supporting nonpublic personal information such as the transaction history and balance.
Also, The credit reporting agencies are in violation of 15 usc 1681 sec 604a section 2, because it states that a Consumer reporting agency can not furnish an account w/o my written instruction. I did NOT give consent nor written instruction to XXXX XXXX XXXX XXXX XXXX to report my nonpublic personal information.
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| 11/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I called to apply with Pentagon Federal Credit Union online as I used to have a small savings with them I closed several years ago and noticed they are advertising debt consolidation loans for those with fair credit scores. My score is XXXX right now only because I dont use credit much and during the recession years ago had one and only one loan in my entire life of XXXX yrs get behind whichI still paid full interest payments and late fees on the entire time until I paid it off in full several months later. This was caused by job layoff. Since then and before them I have always had perfect credit. I only have my car loan, my XXXX, a small loan with XXXX and a XXXX card, all paid on time. BUT am being refused a loan as XXXX is falsely and intentionally trying to make me look bad for XXXX XXXX over that loan and my reporting them to you in the past. I need to consolidate the XXXX loan {$6000.00} ( 35.99 % int ) XXXX XXXX, IL and a cash loan I had to take out for emergency XXXX XXXX from XXXX XXXX XXXX {$1900.00} ( 296 % int ) because I am a twice widowed mother with no help!! I am not asking to borrow more, just consolidate these two loans at a low int rate to pay them off!! The credit union and XXXX are declining me as XXXX is listing lies on my report to get back at me saying Too many severely late payments on loans when I only have the one that was late in my life and they are also not showing my monthly interest an late payment fees I paid monthly the entire time that were only about {$30.00} less than my normal monthly payment! They are also decking me for length of credit history! I have had credit since I was in my XXXX and it is not my fault that they remove accounts after 7 yrs on reports!! I have had my XXXX XXXX years! They are also on PSLF so will be gone in 7yrs. I set up my car note to pay it off in four years so only have two left to pay on it. I dont use a lot of credit because I am widowed!! They are also declining me because of balance ratio to open credit another thing I can not control as these are all installment loans not open lines of credit and also declining me for number of credit pulls when I was going to get a mortgage so checking rates but changed my mind. Then they say I need more credit as I have a thin file and when I apply they deny me and drop my score further so that is why I had to use the high interest rate places! They are intentionally all working together to blackball me and keep me from getting loans!! Please fine and shut them down!! Pentagon Fed rep was no help, neither rep and refused to escalate my app to management saying I had to do about ten things to deter me from my request!!! I work for XXXX XXXXXXXX XXXX XXXX XXXX doing millions of claims and make {$49000.00}, rent is {$850.00} and have no time to jump through their hoops!! Please address all with them and XXXX and make XXXX remove their lies in my report or I will sue them fir defamation!! They are playing mind games and misusing their power!!
I want all of the lies on my credit report with XXXX removed and updated with all bureaus and for the to be fined!! I want my debt consolidation loan completed by a manager at Pen Fed. I want corrected updated copies of all three of my credit reports mailed to me and to your office. I also want XXXX to have to send copies of my corrected reports to all I have applied with in the last two years and I dont want this complaint closed until all is completed!! I am also going to discuss all with my lawyer and may bring a class action against all involved if not taken care of promptly!! I work hard all day and also take care of four parents in their late 80s who all have XXXX and do not have time to babysit, motivate or regulate these incompetent and evil people, that is your job! Please enforce the laws!!
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| 09/27/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
Servicemember |
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This a follow up of complaint initiatiated by me that Pentagon federal Credit Union XXXX all guidelines, concepts, sop.s, regulations, secuirites protection of my worldy posessions, my bank account, no protocols, no trust, no care, compassion or concern of over 10 years of allowing any and everyone to use my identity, my money directly deposited for the purpose of fraudulent accounting, of no approval or contact by me the signature and bank account owner of over {$400000.00} at times, if not more.From XXXX/XXXX/XXXX until XXXX XXXX XXXX XXXX XXXX employees and staff somewhere allowed this crimininal XXXX XXXX , XXXX XXXX Law firm to order checks, order ATM cards, make bank transactions of over {$10000.00}, {$50000.00}, and and evenyually of over {$400000.00} Plus.All without XXXX letter of contact, informing me of bank activity that they acted without care.With criminal intent and intent unbecoming of Bank presidents XXXX Managers, accountamts, CPA 's, employees/tellers, lawyers, security and fraud professionals that i was totally disrespected upon all phone calls.Would not respond back.That i informed all of the above that i was not incapcitated nor deceased.I recieved a letter of lies of no investigation or follow up by pentagon federal credit reunion of my complaints of robbery, anguish, abuse of powers, abuse of position, ignorance, gross negligence with forethought and malice, blatant disregard for an XXXX, XXXX veteran.that pentagon federal credit union acted with no monitoring, no responsibility or acccountability of MY MONEY, that they dully sworn to serve and protect me and my worldly possessions that my children suffered at the hands and Grip of a criminal element of XXXX XXXX , XXXX XXXX, and XXXX Superior Courts , Identified by former XXXX Police Chief and Others as a broke court system, that they allowed online banking, cash withdrawls and allm services without my permission, without my signature card, and illegally of not checking or answering my complaints, and not following up with me on my criminal and civil complaints to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , and by telephone of XXXX XXXX well as email.I used a Veterans Administration Loan to purchase a home of no down payment, A new truck of no down payment, money already stolen when i went on a couple trips inside the US.I requested to speak to the Pen Fed Lawyers on more than enough occassions.I have suffered along with my children for many years.Missing holidays, Birthdays, Familiy Reunions, church services, XXXX celebrations, XXXX, XXXX, major events, weddings, XXXX, XXXX, XXXX, XXXX meetings, XXXX meetings , XXXX XXXX, College moneys for my children to attent college, Just wanting to be a family.A total and complete shut down of my life that Pentagon federal credit union of all that have in my life, has securities violations, with excuses, ignorance, lies, disrespect and discriminitive actions and applications towards me, XXXX XXXX member number XXXX.That turning me down for all home loans, car loans, credit card loans, small personal loans, for all personal loans, and more.But simply using its resources and leverage on me now to hide behind the facts that they never checked, or informed me, the signature card holder, of any person other person to act on behalf my accounting, opened XXXX, after the XXXX XXXX.I will not settle for lest than {>= $1,000,000} comp, a full investigation of Pentagon Federal credit Union employees and their actions in association with XXXX XXXX, XXXX XXXX Law Firm , and especially of no examiner verification of me being incapacitated or even deceased as reported by XXXX XXXX, XXXX Law Firm, later XXXX Superior Courts and later to no one else of the moneys being illegally repoorted of no professional rules of conduct.No contract.
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| 11/10/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I contacted Pentagon Federal Credit Union on XX/XX/2016 to find out if they would refinance the balance of XXXX I owe on my auto loan to XXXX Bank in XXXX IL, which had fallen past due because of job loss and the recession and which they keep adding unwarranted fees on and incorrectly posting my payments so want to get away from, also asked if I would be able to borrow an additional XXXX for relocation expenses for a new job I was suppose to start with the IRS XXXX XXXX Mo. on Monday XX/XX/XXXX. Because I am twice widowed and have no financial help, my credit has been dinged during this recession and need some help with moving because my job offer is a XXXX drive one way from my home.
Of course the first guy I talked to strung me a lot to believe it would not be a problem, so that he could get an application and run a credit check on me to save his own job, which of course then pulls my score down even further and keeps me from getting any help from anyone, then he turns me down saying it is due to past due payments. Is that not want I told him I called to get a loan for and fix to begin with? The amount for the refinance was within his limits for my vehicle, but still turned me down for the payments being late on it, which I told him was why I called to get the loan. Why would he run a credit bureau on me and further damage my score? I then asked to talk to a loan XXXX because he had no answers for any of my questions. She was just as bad or worse, had no compassion, rude and disrespectful, when I asked her what other ideas she could give me in my situation, she said none, she did not know, said they do n't give credit counseling.
Both of them were so incompetent. I then decided, based on this experience to close my savings account with them, which only has XXXX dollars in it and if they could not help me with such a small issue as what I brought to them, do not need them in the future and account being open is not helping me in anyway, only them to help them meet their quotas. I then called back and spoke with XXXX and she was just as rude. I told her I wanted to shut the savings account down, which is the only account I have with them.
She said she sent a message to the department that closing them to do so but they may be gone for the day and she said she would mail me a check for my XXXX dollars. It was after XX/XX/XXXX, but not closing time. I asked her to give me a time frame of when it would be closed. She then put me on hold and said she would take care of it. She came back and said it had been closed. Then I get up this morning and there are XXXX different emails in my email account from them confirming my request to stop online delivery of statements, which I never did, and claiming they would have to charge me a dollar per statement going forward on all my account unless I have a checking with XXXX balance. Then another email about my credit card statement when I do n't and never have had a credit card with them.
They are simply trying to find some way to illegally hold onto my measly XXXX dollars. Note I never emailed or contacted them to request anything, so have no idea why they sent all of these emails. I only requested by phone yesterday XX/XX/XXXX that they close my savings account and send me the balance of what is in the account by mail. I have worked for several banks in the past and left them for this and other reasons, Pentagon Federal is just like them. I want to get away from banks and credit unions completely and would encourage all to do so. They are greedy and intentionally incompetent and the same kind of people work in all of them, the kind of people I do n't want anything to do with. Please make them shut my account down and send me my measly XXXX dollars!! Copies of emails attached.
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| 05/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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On XXXX XXXX, 2015, I applied for a mortgage with PenFed Federal Credit Union. The email I received on XXXX XXXX said " To assist you with the mortgage process, XXXX of our professional PenFed Mortgage Representatives will be in touch with you within 24 to 48 hours to discuss your application. '' No one contacted me within 48 hours. After 3 days, I called to inquire, they said they were busy and would call me by the end of the week. No one called. I called them again later that week, still nothing.
On XXXX XXXX, I received an email from Penfed, asking me to " answer/confirm '' certain questions. On XXXX XXXX, I responded with answers to each question.
On XXXX XXXX, I called Penfed leaving a voicemail asking to speak by phone just so I understood the process. I never received a response or follow-up call.
On XXXX XXXX, I emailed asking if they needed anything on my end and what the next steps would be. I still have not received a response to this emailOn XXXX XXXX, I received an email saying " Congratulations on your pre-qualified mortgage ... Your processor will be ordering the appraisal and flood certification. If you do not receive a scheduling call for your appraisal by XXXX/XXXX/2015, please let her know. " On XXXX XXXX, I responded with the following message : '' Do you know where it will be held on XXXX and at what time?
What other information do you need from me? Any other forms?
On the day of, will I be providing you with my account information for deposit? Will you be wiring in the money that day? '' No response has been provided to date.
On XXXX XXXX, I emailed asking " Are you free to speak with me this week by phone for XXXX minutes? I would like to discuss the process if possible. " On XXXX XXXX, the appraisor contacted me XXXX not Penfed ), and asked if they could come do the appraisal in my home. The appraisal inspection took place on XXXX XXXX ( still no final copy or notice if it 's been completed ).
On XXXX XXXX, I emailed asking " I have not heard from you, but I did have the Assessor in my apartment last Tuesday. Are we still on track for a XXXX XXXX closing [ this was provided via a automated status update on XXXX XXXX but did not change over time XXXX? " On XXXX XXXX, I received an email from Penfed stating " I am currently assisting the mortgage department. I have reviewed your file and show the following items are still needed : Please provide a Letter of Explanation for the following recent credit inquiries.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PENTAGON FEDERAL CRE XXXX XXXX/XXXX/2015 [ This is litterally their own credit inquiry for this mortgage, this is rediculous ] -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX/XXXX/2015 Please have your homeowners association complete the Condo Questionnaire that was previously provided.
Please provide your last XXXX XXXX. [ I provided this information, XXXX, told them as such during these years, and provided tax returns in lieu of this information back on XXXX XXXX. XXXX are n't given to XXXX so this is factually impossible. ] Provide a satisfactory homeowner 's insurance declaration page showing our mortgagee clause and your new loan number. Complete insurance instructions can be found on page XXXX of the pre-qualification letter. [ I did n't understand this and inquired earlier, without receiving a response as to what they wanted ] '' Today is XXXX XXXX, and the closing may be on Tuesday, I do n't know because when I noted all of the problems in my mortgage process, the response given was that my Mortgage Processor " should be in contact with you soon. ''
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| 09/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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On XXXX XX/XX/XXXX, I received a check in the amount of {$47000.00} from a person whom I have loaned money in XXXX and XXXX an have deposited the check into my checking account # XXXX. On XXXX XXXX at about XXXX PM, I have received a phone call from XXXX from Pentagon Federal Credit ( PenFed ) Union stating the check I have received was a bad check and my account is in deficit of {$47000.00}. I quickly called the bank and talked to a representative. then went to the XXXX branch. The branch was not able to help. Since I was in class, I came back home and took the online exam and went back to the same branch. I am taking to a representative and aging he is not able to help. My voice went high by then so the acting manager XXXX XXXX XXXX XXXX XXXX, she asked me to wait and she was able to help me for about 1.5 hours. I returned to the same branch on XXXX XX/XX/XXXX and XXXX helped me. I decided not to deposit any money till the problem is sorted out the negative {$47000.00}. On XXXX XX/XX/XXXX, the problem was sorted out as I have seen online. On XXXX XX/XX/XXXX, I was leaving for XXXX and went to see the bank manager XXXX XXXX as there were few activities in my checking account number ending in XXXX. I also told XXXX, I am leaving in few hours and I need my account to be safe. While in XXXX, I was not able to log into my account. On XXXX XX/XX/XXXX, I receive an email from Penfed that my account ending in XXXX has XXXX balance and there was an overdraft put in place. On XXXX XX/XX/XXXX, I was at the branch at XXXX am to find out what has happened. I asked to see the branch XXXX XXXX XXXX and she refused to help me. She asked XXXX XXXX to help. XXXX was not able to help me what I need and was requesting. I have asked for all my account detail but she only provided me details up to XXXX XX/XX/XXXX and was not able to answer the questions regarding my funds movements. I used XXXX XXXX 's computer to initiate my online line and change my password there. When i came home, I logged into my account and found out more movement of money. I called Penfed and talked to XXXX and she filed a fraud complaint. PenFed moved money from my money market accounts and from my other checking accounts without my authority. My account numbers were changed and I do not have an access to my old account numbers to get all my transactional history. I have requested the data the transaction History in detail from XXXX XXXX to XXXX XX/XX/XXXX from my all old accounts and also the statements from XXXX to XX/XX/XXXX of my old accounts. I have made several ( maybe XXXX ) attempts to talk to the fraud department and I was not allowed to. On XXXX XX/XX/XXXX, I called PenFed and talked to XXXX and she told me fraud department will call me in 2 hours. That 2 hours has not come till XXXX XX/XX/XXXX. I went to XXXX XXXX on XXXX XX/XX/XXXX, talked to XXXX XXXX XXXX, he told me he can not help me as the account is with Fraud Department. I have asked him to send an email to Fraud department to contact me. No response to date.
Since New member number and accounts were generated, I have being asking for login to my old accounts as I have lot of historical data. But nothing has been DONE to have an excess to my old accounts.
On XXXX XX/XX/XXXX, XXXX called me from the bank and gave me the new account numbers. I have asked her about the old account and she told me on XXXX XXXX the Fraud department will call me and I can discuss with them. To date, I have no explanation what happened to my money, and the money has been not restored. I am very frustrated as I have to answer to my work as well as my security clearance maybe in danger. PenFed is liable for my emotional and health issues as i have no remediation to date.
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| 09/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
Older American, Servicemember |
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The following is a copy of the email message we sent yesterday to the top executive officer with the credit union we are having the problem with. Our problem is about the lack of promised customer service since the underwriting department canceled an approval made the previous day for a credit line increase to cover two balance transfers. This message to the top executive is a good narrative of what happened and has been edited to remove personal information per CFPBs complaint form instructions : Subject : Escalate to Ms. XXXX XXXX / ref. XXXX On XX/XX/2020 we were approved for a credit line increase for the amount needed to transfer the balances on my two XXXX credit cards.
The same person who informed us that our request was approved also handled the balance transfers during the same phone call ( please listen to the entire recording PenFed Credit Union has of our XX/XX/XXXX conversation ).
A week later we became concerned that there are still balances on my two XXXX credit cards that should have by then have been electronically transferred to my PenFed credit card as was promised by the PenFed employee who we spoke to on XX/XX/2020.
On XX/XX/2020 we called to find out why that there were still balances on my XXXX credit cards and that is when we were shocked to learn that, though we had not been informed, the credit increase approval had been reversed on XX/XX/XXXX by an employee in underwriting.
We spoke with a PenFed manager, XXXX, who promised to not only listen to the recorded phone conversation of XX/XX/XXXX herself, but that she would make sure a supervisor in underwriting would also listen to the recorded phone conversation.
XXXX instructed me to request in writing that the decision to decline our promised credit line increase that was made on XX/XX/XXXX and then declined on XX/XX/XXXX be reconsidered.
I complied with Silvias instruction and sent a request for reconsideration request via email on XX/XX/2020.
On XX/XX/2020, I called to ask for the status on my reconsideration request. I was told that the supervisor scheduled to listen to the phone recording of our XX/XX/XXXX conversation would not be in until today, XX/XX/2020.
Late this afternoon I called to check on the status of my reconsideration request and ultimately spoke with XXXX.
XXXX checked the entire file that PenFed has of this case per the above reference number and conveyed to me more shocking news : Not a single employee with PenFed Credit Union has taken the time to so much as review my request for reconsideration, let alone has anyone taken the time to listen to the XX/XX/XXXX telephone recording that XXXX promised she would do as well as ensure someone in underwriting would have listened to the recording no later than Saturday, XX/XX/2020.
Ms. XXXX, my wife and I are each members of PenFed Credit Union in good standing, both of us have very good credit scores, our debt to income ratio is low, seventy-five percent of our {$80000.00} income is not taxable, our mortgage payment is actually less than we reported in that our house payment includes the premium for our homeowners insurance premium, and there are many more reasons why we should not be considered as high-risk loan applicants.
All of the {$80000.00} we disclosed as our income is from Social Security and from XXXX veteran compensation so there is no risk that we will ever see a reduction in income.
Ms. XXXX, we have asked PenFed to escalate this request for reconsideration to you because we are searching for someone at PenFed that truly cares about the concerns of its members so we are now starting our search at the top.
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| 01/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
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In XXXX of 2015, I applied for a mortgage refinance loan with Pentagon Federal Credit Union, the same way as which I had done with the same company for the same loan account in the past. Within a couple days, I was contacted by a representative who gathered additional information and started the process. Soon after I was sent a " Good Faith '' statement which had estimated settlement charges of {$6100.00}. A few weeks went by and I heard nothing. I contacted the loan processor who e-mailed me a request for several documents ( 2 years of federal tax returns, pays stubs, bank account info, ect ... ). I provided the documents. Many weeks went by again without PenFed contacting me. I contacted the loan processor to inquire about the status. The processor stated she had difficulty opening the documents that I sent even though they were sent in the exact same format as documents the processor had sent to me. After sending the same requested documents several different ways, the processor advised me that the they were able to open them and everything was fine. A week passed without contact and I contacted the processor regarding the status. She stated that I needed to contact their title company. I responded that their title company should be contacting me because I had no Idea of who they used. On XXXX XXXX, I received a call from the title company they had decided to use ( PenFed XXXX, XXXX ). That representative stated that they could not see where I had paid off a mortgage loan from XXXX XXXX Loans for the same house 10 years ago. I advised them that I had refinanced the home twice before with PenFed and this issue had never come up. They stated they had problems in the past with documents not being filed correctly during PenFed 's restructuring and their documents regarding my previous loans with them may have been lost. I was asked by the rep. to produce a document from 10 years ago. I advised them that I did n't have those documents. They stated they would continue their search. more weeks passed. On XXXX XXXX, I again sent my loan processor an e-mail regarding the status. I soon after received a " Good Faith '' statement with a different estimated settlement charges of {$8200.00} for me to review and sign during closing. No other correspondence was sent regarding when and where closing would take place nor the extra {$2100.00} increase in estimated settlement charges. If anything, you 'd think this amount would have gone down! I again e-mailed the processor. On XXXX XXXX, I received a phone call from the PenFed processor 's supervisor who stated the delay in my refinance was because of the title company not being able to verify that I had paid off the home loan originally with XXXX 10 years ago. I advised the supervisor that I had refinanced the same home loan on twice before with PenFed within that 10 years and had never had this issue come up. The supervisor stated that they are stricter now an in the past they probably just looked the other way, but they cant do that now and if I ca n't come up with the document ( Certificate of Satisfaction ) from XXXX XXXX XXXX showing the original loan was satisfied, PenFed would not be able to refinance my loan. I replied to the supervisor that it sounded more like PenFed did not want to give me the loan because I locked in at a lower rate and the government just raised interest rates. This ordeal is still continuing and we are now approaching 4 months! In the past it has only taken a couple weeks to do a refinance with the same company. PenFed. Are there not a time limit that governs institutions with processing these type of loans???
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| 10/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Around the beginning of XX/XX/2019, one of the authorized users rented a rental car from XXXX XXXX at XXXX XXXX. The rate of which they offered them was approximately XXXX dollars per day. During the course of the rental period my card had been charged several times and when it reached it's XXXX XXXX I paid it down to approximately XXXX as I try to stay conscious of my credit balances. When reviewing the charges I noticed that there were multiple charges pending for XXXX dollars, XXXX dollars, XXXX dollars pending and XXXX dollars being held up for the rental fee. A few days later I noticed that the limit of my credit card was maxed out and over the limit again. I called Penfed the credit provider and inquired and was told not to worry those were pending charges. Later that day or the next day the charges were removed. When the rental car was returned the fees were 3 times that signed agreement a explanation was offered to the effect that " we can change the rate any time we feel without explanation. The car was returned and my card was charged somewhere in the neighborhood of XXXX XXXX dollars to XXXX dollars. I am not sure of the amount because Penfed has allowed the merchant to submit several different charges that have been reflected on the statements as well as removing some fees only to add them back later at 3 times the amount. That has been the main issue. I don't understand what the fees are for and how they are what they are and no one at Penfed or the rental company with provide a suitable answer. A day or so later I disputed the charges I was told by XXXX on XXXX approximately XXXX p.m. not to worry the charges would be credited back until an investigation was completed. The next day I checked to see had the credit taken effect and was told by a different representative named XXXX that credit will be issued as well but could take 10 business days and I only had a few days left. Then a few days later I called again to inquire as to why I am not getting courtesy credit. The credit that several representatives had told I would get as I am concerned the over the limit will reflect on my credit report and tarnish my credit. I was told no worries, we will send you a letter to send to the bureaus to offset any damage. I was told that I am not being charged for the disputed amount, no interest, pentalties etc while the investigation is on going. Again, I asked why is that not reflected on my statement. After speaking with 3 supervisors that last of which named XXXX told me that I would not be able to get a courtesy credit while the investigation was taking place and that if I wanted to pay my card off then I would have to pay the disputed amount as well and in the event that my dispute was successful I would be credited back. As I told him that I am confident of that because had provided them with proof that I was over charged and if necessary I would take all legal action lawfully allowable to remedy the situation. I inquired about fraudulent charges of which he tried to explain the reasons of why I could or couldn't say it was fraud because I had saw in my portal when disputing the charges that that was an option however, after completed the call with him I checked to see if that option was still available and lo and behold the option was not available anymore for me. I feel I am being discriminated against and not being given the benefit of doubt that most people have when disputing a charge. Any advice or assistance that you can provide to help remedy this in getting the actual amount that I '' m being charged valid or not is greatly appreciated.
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| 05/17/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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Pentagon Federal Credit Union ( PenFed ), a creditor named in my XXXX XXXX Bankruptcy petition on XXXX ( secured by car title ), is reporting inaccurate information to the national credit bureaus. In doing so, PenFed is violating the U.S. Bankruptcy Act, and 7-year reporting limit of the Fair Credit Reporting Act by willfully misrepresenting facts, refusing to correct errors, and using the credit bureau reports as a collection tactic in a manner that is contrary to these regulatory statutes.
Pentagon Federal Credit Union Acct. # 1 : The last payment made on this account was prior to filing bankruptcy in XXXX XXXX, when the account was also closed. However, the initial date of delinquency was in XXXX. While I have no knowledge of any activity on the account after XXXX XXXX, PenFed has reported a " last payment date '' in XXXX XXXX.
My XXXX XXXX and XXXX XXXX XXXX reports show an estimated removal date of XXXX XXXX ; then the XXXX XXXX XXXX report shows an estimated removal of XXXX XXXX ; but XXXX is now telling me this derogatory account will remain on record until XXXX XXXX. Again, my last activity on this account was in XXXX XXXX.
I have contacted PenFed, XXXX, and XXXX regarding this mysterious " last payment date '' but none will correct the date or remove the account. In a conversation on XXXX XXXX, XXXX with XXXX XXXX XXXX, a supervisor at the XXXX U.S. Consumer Relations Center, XXXX XXXX said his company would not remove this derogatory account until XXXX XXXX because PenFed has reported XXXX XXXX as the " last payment date ''. This confirmed in a subsequent call with XXXX XXXX XXXX at XXXX Consumer Relations ' on XXXX XXXX, XXXX.
The Fair Credit Reporting Act requires derogatory accounts be removed 7 years from the initial late payment date, which preceded XXXX XXXX. The fictitious " last payment date '' of XXXX XXXX that PenFed arbitrarily created and refuses to remove has extended the length of this record to almost 9 years.
Pentagon Federal Credit Union Acct. # 2 : A reaffirmation agreement was signed during the pending bankruptcy for the above described car loan, with a first payment date of XXXX XXXX, XXXX. Although I made multiple calls to PenFed requesting an account number and billing statement for the new loan, I was always told it was in process of being set-up. Without an account number or bill, no payments were made.
In XXXX XXXX, PenFed sent the title to the car ( securitizing the loan ), along with a letter stating the account was paid in full and closed. The reaffirmation agreement was subsequently cancelled ( rescinded ) by notice to the court and creditor, and accepted by the court XXXX years before the bankruptcy was discharged.
Many years later, I saw that PenFed had reported to the credit bureaus that a secured account was opened in XXXX XXXX, with an initial timely payment made followed by 2 consecutive months of delinquencies, and no other entries. PenFed is now reporting to the credit bureaus that the account remains open with an outstanding balance of {$10000.00}.
This account should be removed from the credit bureaus because I had no knowledge of the account 's existence or activities ; the reaffirmation agreement was rescinded in proceedings of the U.S. Bankruptcy court in a timely and legal manner ; and the attached letter from PenFed shows the loan was Paid in Full and closed, with the underlying security interest ( lien on title to car ) released to me.
Note : the account number shown on PenFed 's letter is my credit union member number, and account numbers on the credit reports are suffices thereof.
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| 07/20/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had a home equity line of credit with XXXX XXXX XXXX XXXX. I did a short sale on my primary residence and XXXX agreed to a settlement for the equity line of credit. I believe the balance was approximately {$35000.00} but they agreed to a payment of {$8000.00} from XXXX XXXX XXXX, the lender for the residence and {$15000.00} from me. This was paid in XXXX of XXXX when I went to closing. Attached is paperwork that shows this was satisfied and I was released from this debt. I closed all accounts with XXXX XXXX XXXX.
Three years later Pentagon Federal Credit Union purchased XXXX XXXX XXXX in XXXX of XXXX. Some how the home equity loan that was closed in XXXX of XXXX was picked up by Pentagon Federal Credit Union ( PenFed ). I received a bill from them requesting payment of {$58000.00}. When I first called PenFed I was told they could not do anything until after XXXX XXXX because even though I had received a bill, they could not see my information. I called back after XXXX XXXX and apprised them of the situation. I was told that I basically owed the debt and had to prove that I did not. I was told they could not call XXXX XXXX XXXX or research it from their end. The ownness was on me to prove otherwise. I told them I noticed my credit score dropped XXXX points, but again was told the ownness was on me. I was hung up on, placed on hold for extensive periods, told I could not speak with the department that handled it directly, and supposedly transferred to managers who said they could not help me that I needed to send in the information.
After paying {$39.00} on XXXX/XXXX/XXXX, I find that now both XXXX XXXX XXXX and PenFed are reporting this exact issue to the credit bureau. XXXX XXXX XXXX shows it has legally paid in full for less than the full balance while PenFed shows the same debt as a charge-off.
Also XXXX is showing this as a serious delinquency on my credit report. I do know there is XXXX report from XXXX XXXX XXXX and XXXX report from XXXX ; now a delinquent report from PenFed has been added.
In spite of my efforts to advise PenFed that this account never should have transferred to them and even after showing proof that this was settled in XXXX their resolution was to show it as a charge-off. THE SAME DEBT IS BEING REPORTED TWICE.
Since XXXX I have worked very hard to improve my credit. Even paying Credit Repair over {$500.00} to intervene on my behalf. Their efforts did increase my score, but PenFed counteracted what had been done.
I am requesting not only that they remove all traces of PenFed from all credit bureaus, but they also be made to pay loss and punitive damages in the amount of {$50000.00}. I purchased a home and the effect it could have had on my mortgage rate is unknown considering I have a 30 year loan. There was indeed an inquiry from the mortgage company on XXXX XXXX, XXXX ( Credit Plus ). Evidence of this too is attached. Also after being invited to apply for a loan with XXXX, I was denied that loan. This happened the first week of XXXX XXXX. I also have been denied credit on at least XXXX other occasions. This has had a negative and profound effect on my credit and I believe this to be just and fair. A report was filed with XXXX but the conclusion was for my credit to drop additional points while PenFed said the matter had been taken care of. It has not. XXXX debt is still being reported by XXXX different banks -- XXXX XXXX XXXX and PenFed. Every time inquiry is made with PenFed, my credit score drops. The last inquiry by XXXX with PenFed was concluded XXXX XXXX, XXXX and my score went from XXXX to XXXX.
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| 10/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I had a closing for purchasing a house at XXXX XXXX XXXX, XXXX NJ XXXX on XX/XX/XXXX My mortgage service provider is Penfed ( pentagon federal credit union ). They had a promotion that they would cover up to {$10000.00} in closing costs as long as I use their sources for closing. I used their assigned real estate agent, I used their assigned company XXXX XXXX XXXX to handle to closing.
Concerns started to arise with XXXX XXXX XXXX from the beginning. The seller 's lawyer did want to work with that company as he felt that they were ill prepared and unqualified.
I thought the seller 's lawyer was being difficult. But the lawyer seller'slawyer turned out to be right. On XX/XX/XXXX the day of the closing, I was informed I would have an attorney present that would represent me the buyer. Instead, I received someone who simply has the ability to notarize documents. Penfed and XXXX ( XXXX XXXX XXXX ) representative did not explain any documents I was required to sign. She simply asked me to sign all the printed documents that was given to her. Many documents were not applicable to the presented situation. The seller 's lawyer was present and also refused to have many requested documents signed due to the fact those requested docements were not applicable.
On XX/XX/XXXX, I received a DELIQUENT TAX NOTICE of {$2500.00} by XXXX, NJ. The town I purchased the house in. I called the town and told them that I am having escrow money taken out and this taxes should be paid by my bank, Penfed. They also, said this taxes is for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told them I only purchased the house in XX/XX/XXXX and that I should not have to pay taxes for the previous owner. The tax notice is listed under the prior owner 's name but the envelope has my name on it.
I proceeded to call penfed explaining them the situation. They explained to me that at closing I was credited {$820.00} by the prior owners to pay for the taxes I told them, I never saw the {$820.00} that was given to me. But how would that explain the {$2500.00} deliquent tax bill? Should my service provider ( penfed ) take care of that? They apologized and told me that I was supposed to pay tax bill and that penfed would start servicing my loan and pay the taxes from my escrow on the next tax quarter.
My main issue is that although I see a {$820.00} credit on the closing documents. It was not made clear to me what that was from. I was never notified that I would have to pay an additional XXXX for taxes on top of my closing costs. This is a large amount of money I am ill prepared to pay. I have paid the deliquent tax bill to avoid any further stress and interest on the bill.
I was also, only very late in the closing process of obtaining a penfed mortgage given the actual amount I would be credited from the promotion that was boasted of up to {$10000.00} closing cost. I received roughly a tenth of that amount. I feel that was false advertising that so little of my closing was covered. I was also lied to that I would receive an attorney that would represent me during closing. Finally, I would like the {$2500.00} that I paid extra on top of the closing cost. I was simply not informed.
I reached out to penfed complaining about the situation. They reached out to XXXX and said that XXXX would reimburse me. XXXX sent me a {$50.00} check which I have not deposited. Penfed then responsed to my email complaint by saying the situation is resolved. I forwarded them my email complaint to tell them that it was not resolved. They have not responded back.
XXXX XXXX XXXXXXXXXXXX XXXX
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| 12/15/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I deposited a cashiers check into my PenFed checking account on Saturday, XX/XX/XXXX, through the mobile deposit function in the PenFed App, in the amount of {$6600.00}.
In short, I have been continuously denied the fund, even 19 days after the deposit. XXXX is denying me access to the funds, denying my request to return the check, and denying bouncing the check. Im describing in detail below, and attaching all documentation. Please advise.
I tried to log into PenFed online banking on XX/XX/2022, and received a pop-up message saying my access had been blocked, and to contact PenFed.
I called PenFed to inquire, and they said they had put a hold on my account, and that the hold would be removed by Saturday, XX/XX/XXXX.
I called back on Friday, to see the progress. I was informed that PenFed needed documentation, they said they needed proof of funds. This seemed illogical to me, since cashiers checks are funded at the time of issuance, but at the PenFed associates insistence, I went to a XXXX branch, and requested some documentation for proof of funds. They told me, since I am not the person who had the check issued, nor a banking authority, they could not give me any sort of a document. Although, verbally, the associate did confirm that the check was presented on XX/XX/XXXX, and the fund were released.
I contacted PenFed again, and gave them this update, and they kept insisting that I need some document from XXXX. At this point, I request the associate for something in writing, stating the information he was saying to me. I have not received any such correspondence.
Later on Friday, I contacted the gentleman who gave me the check, and requested him if he could get me any documentation, And he was kind enough to send over the attached withdrawal slip, after it had been processed through XXXX. I submitted this document to XXXX on Saturday, XX/XX/XXXX. I called again on Monday, XX/XX/XXXX, and told them that I submitted the document, and after a long hold, was told that this would not suffice.
At this point, I requested that they either void the transaction and return the check to me, or bounce the check if XXXX denied the funds. Regarding bouncing the check, they said they couldnt do so, and regarding returning it, they said I would need to go to XXXX and ask that they reissue the check. I again went into a XXXX branch on Monday and requested that the check be reissued. Upon calling their main office, the XXXX associate informed me that the check had been presented and the funds released on XX/XX/XXXX, and that they could not reissue it.
On Tuesday, XX/XX/XXXX, I received a letter in the mail, from PenFed, saying These funds will be available on the XXXX business day after the day of your deposit.
We have taken this action because we received confidential information that indicates the check may not be paid.
Upon seeing this letter, I thought I could wait another till Wednesday, XX/XX/XXXX, which would be the XXXX business day after the deposit, and get access to my funds. I called PenFed on XX/XX/XXXX, and was told that they would not be honoring the letter, and they are still awaiting more documentation from me.
On XX/XX/XXXX, I received an email saying that a message was waiting for me in the PenFed message center. When I tried to click on the link to log in, I was again informed that my account was restricted and so I couldnt see the meeting. I called PenFed to inquire, and the associate told me that the message was just asking for proof of funds again, and that there was no new info in it.
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| 08/12/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Credit decision / Underwriting
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Web |
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I applied for a PENFED FCU mortgage loan in XXXX 2015. The processing could be viewed as likely unethical at best or PENFED FCU actions could be viewed as engaging in both unethical business and possible forms of racketeering/corrupt/RICO.
After applying for a loan I was provided feedback in Good Faith Estimates and Truth documents that listed my requested mortgage terms. I also followed up with both contracts showing my mortgage requirements to provide, discussed with the PENFED FCU loan officer the required rate and signed a notice to proceed with the loan at the agreed loan interest rate of 2.75 %. I clearly communicated and received follow up from PENFED that they understood the rate required.
Throughout the 60 day process there were many issues and errors by PENFED FCU. The one thing that was constant was the financial terms expressed both in contracts and discussions with PENFED FCU.
Multiple documents throughout the process show the mortgage terms remained as requested. What should be reviewed as both unethical and corrupt is how PENFED FCU holds a person hostage to increase the mortgage rate at the last minute.
My closing was set for XXXX XXXX per contract and PENFED was fully aware. They missed this date and were to have all documents to the Closing Agent on XXXX XXXX for a XXXX XXXX closing or I faced a contract breech.
During the afternoon of XXXX XXXX, PENFED FCU emailed me the final approval including my final GFE and TIL document that showed the finance terms that had existed from the start and in all communications with PENFED FCU.
I agreed with the closing documents PENFED FCU provided on XXXX XXXX and was set for Closing on XXXX XXXX. On XXXX XXXX at XXXX I received a call from PENFED FCU XXXX stating that my paperwork was not approved and I did not have a loan package ready to go to the closing agent. They said my rate was not locked. After a discussion explaining the emails, discussions with PENFED employees during XXXX, XXXX on the required loan rate that I wanted to have from my original application and PENFED was fully advised of what rate to lock in on my application, PENFED stated they would try to get a Mgmt override approval on XXXX XXXX or I could accept a new loan rate that was higher. I noted that the package had to be at the Closing agent by XXXX on XXXX XXXX so that I would not breech my contract if the closing did not happen on XXXX XXXX.
On the morning of XXXX XXXX Penfed FCU told me that they did not know when a review would be completed and if I wanted to complete the closing package I had to accept a higher rate. The only feedback given was my case was under review for the original loan rate that had been discussed and requested in all communication from XXXX until the phone call XXXX on XXXX XXXX. PENFED stated my only choice was to take a higher rate if I needed the package by noon and they knew I did not want to risk contract breech. PENFED also stated the rate had gone up again that morning and the interest rate was higher than what was quoted at XXXX on XXXX XXXX during the phone call. Basically PENFE confirmed the requested rate all along, had communicated it several times over the two months including the final GFE and TIL and then pushed me into a no win last minute change situation. Penfed raised the rate from 2.75 % to 3.125 % in the last hours before a closing package was required knowing I was facing a contract breech. Others with PENFED FCU closing issues should be interviewed as this has possible CLASS ACTION status.
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| 09/29/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
- Payment process
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Web |
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I have several issues that stem from my PENFED HELOC account.
First, on XXXX XXXX, I transferred {$28000.00} from my Heloc to my savings account in order to make an international wire transfer. The fee was {$30.00}. The PENFED person took the information for the transfer ( which required an intermediary bank ). We went over the information twice and she performed the transfer. The following Monday, I discovered that the money had been kicked back to my savings account at PENFED. When I attempted to find out why, PENFED did not have information on why the money was kicked back. I later found out from the recipient that it may have stemmed from not having compliance information required from me. I called PENFED back to resend the wire. PENFED informed me that it could not complete the transaction at all because 1. the Federal Reserve did not allow it, 2. PENFED was too small of an institution to do it, 3. PENFED was unable to complete complex wire transfers. She told me this information was coming directly from the HEAD OF WIRE TRANSFERS, and another supervisor. When I expressed amazement at those reasons, I asked if I could email the instructions to the person I was speaking with. She told me that she could not give out her PENFED email address. I ended up sending the transfer with a smaller credit union that had no problem completing the transaction. PENFED had no explanation for charging me for the initial wire that they later claimed they were unable to perform. They later reversed the charge. Additionally, I received several letters from PENFED stating that I had a late HELOC payment. This was after I sent a {$62000.00} payment to them online. Instead of making the payment, they made a principal payment only and gave me no credit for the monthly payment. They assessed a late payment fee. When I called them on it, they stated that it was an error and that they would correct it and remove the fee. After the wire transfer failure, PENFED sent me 2 letters stating that they had received my XX/XX/XXXX credit card payment. However, I do not have a PENFED credit card. I assumed it was my HELOC account. Then I got a letter that I had not paid my HELOC and they assessed a late fee. When I looked online at my account, it said I paid on XXXX XXXX. This caused me to look at my statement, which I normally did not do. Normally, I just paid the amount due. But looking at my statements for XXXX, XXXX & XXXX, I found that the payment coupon had an additional amount due that was not included anywhere else on the statement. Further, on one statement, I had a {$1.00} late fee. PENFED informed me that the greater amount due was from XX/XX/2020, for a skipped payment during the COVID19 pandemic. Further, the {$1.00} late fee was from XX/XX/2020. No one could tell me why either amount was not on the statement ( the XXXX late fee was not on the other statements ). I requested an audit of my account and PENFED told me that they don't do audits and that they could send me the one statement that initiated the skipped payment and the late fee. However, no one could address the why these don't show up on my online account at all or even on my statement. Last I told at least three different people that I wanted the money from the HELOC that was sitting in my savings account to be returned to the HELOC. This is an action that can not be done through online banking. I finally accomplished that today, but someone needs to look at PENFED and how it is operating. Also, I want an audit of my account.
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| 07/26/2015 |
Yes |
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Web |
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I have been working with Pentagon Federal Credit Union ( PenFed ) since XX/XX/XXXX regarding an issue with my Platinum Rewards Credit Card point redemption.
I redeemed points from the PenFed Platinum Rewards Visa for a {$500.00} Visa gift card, XX/XX/XXXX. XX/XX/XXXX, I called to request a replacement card, as the gift card had expired, but there was still an available balance of {$500.00}. I called the customer service number provided with the letter and disclosures with the gift card. They stated they were no longer affiliated with PenFed. I then contacted PenFed 's Member Service Line. The Member Service Representative placed me on a brief hold to inquire on how to reissue the replacement gift card. When she came back, she stated the gift card could not be replaced and the disclosures with the card stated that information as well.
Attached are the paper disclosures provided with the gift card, along with a supplement provided in the gift card envelope. I am unable to find wording that states the gift card balance is forfeited if not used prior to the expiration date. In fact, the fee schedule listed indicates the card is subject to a monthly account maintenance fee AFTER the 12 month anniversary date. The schedule of fees also lists the fee for a replacement plastic and indicates the monthly account maintenance fee will be waived if there are charges made to the account within the past 3 months.
PenFed has indicated the following was displayed on the redemption rewards website at the time the gift card was requested : " Visa prepaid cards can be used anywhere Visa is accepted. Cards expire 13 months after the date issued and unused funds will be forfeited after the card expires. An inactivity fee of {$3.00} will be deducted from the balance of the card in month 13 if the card has been dormant for 12 months. Cards are not reloadable. Cards will be embossed with name as provided with shipping information. " This statement was not provided with the paper disclosure and nor on the supplement provided with the gift card. I am unable to locate this verbiage on the current rewards website, nor am I able to recreate the disclosure while going through the steps to redeem another gift card. Attached are the current terms and conditions of the gift card reward, along with screen shots from the current rewards site.
Again, there is no indication the gift card balance is forfeited upon expiration date. These terms and conditions, along with the disclosures provided in hard copy with the gift card, are conflicting. These disclosures along with the fee schedule are confusing and misleading. The limitations of the gift card are not clear and transparent to the consumer.
PenFed has declined to replace the gift card, minus appropriate fees from the fee schedule. They did offer to provide a XXXX point credit to my rewards balance as a courtesy. This would be the equivalent of a {$50.00} gift card, minus the {$6.00} replacement fee. This would be a loss of {$450.00} to the consumer based on the very important detail of not being able to replace the card, due to expiration date, which was not stated on the disclosures enclosed with the gift card.
Since the expiration date limitation of the gift card was not stated on the disclosures, nor stated on the PenFed reward site, I am requesting my reward points be fully replenished for a redemption value of a {$500.00} Visa Gift card minus any applicable fees as indicated in the disclosed fee schedule.
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| 12/16/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I have a posted charge of {$74000.00} that I never authorized and should not be on my account.
It is even more puzzling how this could happen as I was told by PenFed customer service that the charge was made manually to a canceled card.
Furthermore, the charge goes well beyond the credit limit on my card.
I called PenFed multiple times last week starting from Thursday XX/XX/XXXX. I spoke with several departments as well as a couple supervisors. I was told to wait a few days to have this mistaken charge removed. I was told things like " this is the most outrageous charge I have ever personally seen '' and " this is clearly a mistake. '' A few other things that were discussed on the phone were questions of how could such a large charge post? The charge was not even pending. It just immediately posted.
Why would the credit union approve such a large charge from an airline? Why would it be approved, and not be immediately removed from the account after the dispute started one week ago? One supervisor joked that " unless you rented the entire aircraft how could there be a {$75000.00} charge. '' The {$74000.00} charge has been present for a week now. I feel distressed whenever I log into my account. would like to know what is being done to address this and take steps to rectify it.
I have no recent purchases with XXXX XXXX. I only have a {$35.00} baggage fee that I paid in early XXXX. I had a purchase with XXXX XXXX from early 2020. This purchase was refunded by XXXX XXXX because of COVID-19 and the pandemic it was impossible to use the ticket. PenFed told me on the phone that that transaction was already closed out several months ago.
Another problem I am facing is that PenFed cancelled the current card that I was using on a daily basis. This puts me in a bit of a rough spot. To PenFed 's credit, I will say that the staff sounded very empathetic on the phone when I called back to explain what happened. They also offered to rush a new card to me. However, I am not certain when I will receive it. I was told that the {$74000.00} was posted to the old, cancelled card so that charge should not have affected the current card that I was using. The service reps were surprised that the charge was pushed through to the current card, as well. I am not sure why the current card was canceled but it was cancelled without asking me first and I was only told afterward that it was closed. PenFed changed from XXXX XXXX to Visa in the early summer of 2020. This closed the old XXXX XXXX account. My understanding is that XXXX XXXX charged the old ( closed ) account information.
It is possible the {$74000.00} charge stems from misuse within XXXX XXXX or theft of the old card information or a data breach of the servers that XXXX XXXX uses.
I am requesting that this charge be immediately reversed. My understanding is that the charge is currently in a dispute process, however, I would kindly request that the charge be removed as soon as possible. I am also curious how a closed account could be manually charged " {$74000.00} '' when that goes well above the credit limit on the card. I would like to reiterate that I did not authorize XXXX XXXX to charge my card this amount. There also have not been any recent transactions that I have made with XXXX XXXX. I am curious how XXXX XXXX would be able to manually put through such a charge and how that charge would make sense on a personal card and why the charge is still posted on the account.
Thank you
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| 02/07/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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I opened up a HELOC with Pentagon Federal Credit Union on XX/XX/XXXX. I switched from my previous bank because the rates were lower ( prime +0 ). At that time and over the life of the loan, the rate was about 4.5 % which was lower than what I was getting at my previous bank. They told me it was fully amortized loan, which I didn't have a problem with, because I knew it would pay down the loan and the rate was low. I was told the draw period was 15 years and payback was 15.
So I had set up automatic deposit from my checking account and I didn't think too much about it. Then I did a large withdraw about {$50000.00} to conduct some home remodel work. I noticed that the payments were kind of high and could not quite figure out why. They were significantly higher than my old loan and I figured it was due to it being fully amortized. I finally called the XXXX, and they could not explain. For example on XX/XX/XXXX XXXX did an ACH transfer of XXXX on a loan amount of XXXX.
I could not understand why the payment was so high. If the rate was 4.5 % fully amortized then the payment should have been {$330.00}, not {$1200.00}. At that time I was making withdraws as well, so it was difficult to understand what was happening.
Later in the year I wasn't withdrawing from the HELOC but the payments were still high. So for example, on XX/XX/XXXX, the ACH for my payment was $ XXXX on a loan amount of {$61000.00}. If I run the calculation, {$680.00} is what I would have expected to pay, when I calculate 4.5 % fully amortized, loan, 15 year term for {$61000.00}.
I was puzzled, so I contacted XXXX again, and finally found someone to explain this. Apparently there is a term that payment is based on the amount of the loan, times the interest rate, OR 1.5 % of the outstanding loan amount, whichever is HIGHER.
So essentially, the monthly loan payment will ALWAYS be 1.5 % of the loan amount, UNTIL SUCH TIME THAT THE INTEREST RATE CHARGED GOES ABOVE 1.5 % x 12 ( monthly payments ), or 18 %, at which time, the interest rate would the same annual rate as the payment percent method.
I feel very strongly that this is a deceptive loan. If you look at the XXXX site, they tout the low interest rate all over the place, but NOWHERE do they disclose the 1.5 % payment terms of the loan ... only in the loan document. Everyone, including myself, shop loan based on the interest rate.
I appreciate their motivation to keep people from defaulting, but 1.5 % payment per month equates to 66.66 months to payoff the entire loan BUT the loan term is a total of 30 years, so there is 15 years to pay it off ( 15 years draw, 15 years payback ). But because of the 1.5 % payment rule, I can not receive the value of having a 15 year pay off period ... until such time that the interest rate goes above 18 %. While this is possible, even in the worst inflationary period during XX/XX/XXXX, the average rate was 17 %. So the whole scenario they are working under is EXTREMELY UNLIKELY.
Bottom line, I feel I was tricked into this loan, and I am receiving less value that what was represented. I do not have the financial flexibility that I thought this loan would offer. I feel very strongly that they should have advertised the payment term, because in almost all situations, you will be paying 1.5 % per month.
I am not a financial person, but I try to educate myself on these matters, but in this case, they buried this term and used it against me.
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| 08/30/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Pentagon Credit Union and or Penfed are continuously sent me written letters and communication, and continuously calls trying to collect a payment for wrong amount and under declared disaster DR4493 Covid19 pandemic and continuously reported to my three credits reports on XXXX XXXX and XXXX since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, non payments and charged late fees each month, under CARES acts and BILLs XXXX116HR133SA-RCP-16-68, BILLS-116748ENR, BILLS1165348IS IS STRICTLY PROHIBITED WRIITEN COMMUNICATIONS, CALLS FOR COLLECTING DEBTS, PAYMENTS AND CHARGE LATE FEES, THEY ALSO ADDING BALANCE TO MY CREDIT CARD WHEN THE LIMIT IS {$5000.00} ON EACH AND BALANCE TO XX/XX/XXXX XXXX XXXX WAS {$5300.00} AND MY XXXX XXXX WAS XXXX. THEY CHARGED THE PAYMENT AND LATE FEES EACH MONTH. AND OBLIGATED ME TO COMPLETED A HARDSHIP APPLICATION ON XX/XX/XXXX AND XX/XX/XXXX. ALSO I HAVE TO PROTECT ESTIMULUS CHECK AMOUNT RECEIVED BECAUSE THEY WANT TO TAKE IT FOR THE PAYMENT UNDER THE TERM COVERED IN THE DR4493 , DR 4473 FOR THE MISSED PAYMENTS AND REPORTED DELINQUENCY WHEN I DID NOT DELINQUENT OR COMMIT ANY CRIME. THE LAST LETTER OF XX/XX/XXXX FOR THE XXXX SAID INCORRECTLY BALANCE OF {$6800.00} AND AMOUNT DELINQUENT {$900.00} AND THEY WRITTEN THREATENED TO SEND THE DEB FOR A COLLECTION AGENCY AND CLOSED THE ACCOUNT. ALSO FOR MY XXXX XXXX SAID AN INCORRECT BALANCE OF {$6900.00} AND AMOUNT DELINQUENT OF {$780.00} AND THE SAME WRITTEN THREATENED ME OF SEND MY DEBT TO A COLLECTION AGENCY AND CLOSED THE ACCOUNT WITHOUT MY CONCERN AND AUTHORIZATION AND UNDER DR4493 AND BIILLS AND CARES ACT WHERE COLLECTION OF DEBTS, LATE FEES CHARGES ARE PROHIBITED. ALSO THEY CLOSED MY XXXX XXXX WITHOUT MY CONCERN AND AUTHORIZATION AND CHANGED THE ACCOUNT TO A XXXX XXXX AND TRANSFERED THE DEBT TO XXXX XXXX LAST XX/XX/XXXX, BECUASE I WAS USING THE XXXX XXXX CARD AND MY TRANSACTIONS WERE ACCEPTED, ALL THAT WITHOUT MY CONCERN, AUTHORIZATION AND PREVIOUS NOTIFICATION ABOUT THE CHANGES. i WAS A SURVIVOR OF DECLARED DISASTER DR 4336 HURRICANE IRMA, DR4339 HURRICANE MARIA, IWAS SEVERELY ECONOMICALLY INJURED AND RECIVE NO AIDS TO RECOVERING I LOST MY ESSENTIAL PRODUCT MY CAR TRANSPORTATION IN ACCIDENT IN XXXX XXXXAND WAS A RESULT OF THE DR4339 HURRICANE MARIA DISASTER 'S DISRUPTION WHEN I HAVE TO RELOCATE MORE THAN 80MILES WHERE I LIVED FOR MORE THA 5 YEARS AND RECIEVED NO MORATORIUM AND NO REPAYMENT REAGREEMENTS AND LOST MY BELONGINGS IN PREDATORY ACTS FROM XXXX XXXX OF XXXX XXXX, LANDLORD XXXX AND XXXX XXXX XXXX, RELIABLE, AND PENFED DENIED ME THE OPTION TO A REPLACEMENT TRANSPORTATION CAR LOAN. I KNOW THAT UNDER COVID19 PANDEMIC DISASTER THERE ARE MORATORIUM UNTIL XX/XX/XXXX FROM XX/XX/XXXX AND FOR DR 4473 A MORATORIUM FROM XX/XX/XXXX TO XX/XX/XXXX, I HAVE CAR ACCIDENT AN LOSS OF PROPERTY IN XX/XX/XXXX I HAVE THE RIGHT FOR A MORATORIUMOF PAYMNET OF 6 MONTHS AND EXTENSION OF MORATORIUM OF DECLARED DISASTER MARIA 'S HURRICANE, AND THEY ARE VIOLATING MY RIGHTS AND CARES ACT AND BILLS LAWS AND THEY DID NOT CARE AT ALL, DENIED ME NEW CONSOLIDATION LOAN TO LOWERED CREDIT CARDS PAYMENTS LAST YEAR IN XX/XX/XXXX AGAINST CARES ACT AND ARE DISCRIMINATED BECAUSE I AM A DISASTER SURVIVOR.
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| 08/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2023 I submitted a Mortgage Loan Hardship application along with supporting documents ( from checklist ) to PenFen Credit Union. At that time my loan was current. The hardship document requested that I select how I wanted to be contacted and I checked the boxes for email and/or text message only. My initial intent was to seek assistance for future payments, a loan modification or other assistance directly from the lender. The reasons that lead up to the hardship were clearly stated : A ). Home is located in a FEMA ( Federal and State ) declared disaster area. B ). Home Fire. C ). Covid 19 D ). FMLA to care for a XXXX family member. All of these events occured within the past six months, which resulted in an unforseen financial hardship that was beyond my control. PenFed acknowledged the receipt of my request on XX/XX/2023. PenFed also stated that I had until XX/XX/2023 to submit any additional requested documentation. On XX/XX/2023 I received a letter from PenFed that my request for hardship was denied because I did not submit the additional information within the 30-day limit. They were wrong. The 30-day timelimit would have expired on XX/XX/XXXX, not XX/XX/XXXX. Furthermore, when I called PenFed and spoke to my case manager, XXXX XXXX on XX/XX/2023, she stated that she had been " calling me and calling me '' several times and was unable to leave a message. I reminded her, that the requested form of contact, per the hardship request document, was either by email or text message ( due to my FMLA responsibilities I could not take phone calls ). XXXX XXXX located my hardship application and verified that I was correct, and PenFed had made an error, not only in the contact method, but by canceling my application prematurely. Additionally we found several inconsistencies between the online system document requests ( from the third party website ) and PenFed 's internal system that XXXX XXXX had access. After some reconciliation, we also discovered that the hardship application that was available on-line was considerably different then the PenFed hard copy application that PenFed mails out to hardship applicants not able to access the on-line system. The documents were not only different in content, but also by the documents requested and differences in page numbers -- all which lead to much confusion when trying to figure out what was truly needed. After sorting out the differences in requests with XXXX XXXX, I told her that I tried to make my mortage payment, but the system had me locked out. She verified that during the application phase of the program I was unable to make payments. As it stands today, XX/XX/2023, the on-line system is still incorrect, showing that there is still missing documemtion, even after XXXX XXXX confirmed receipt. I have two complaints ; 1 ). The hardship process is very difficult to navigate by its inconsistent requests for documemtation and 2 ). Not being able to make a payment to my account which in turn has PenFed now reporting my loan 30 days past due ( soon to be 60 days ) because of their internal delays, errors or mistakes in attempted communication, premature cancellation if my application, inconsistencies in their documentation requests and their inability to correct their internal system so that it matches the online document center ( XXXX ).
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| 10/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American |
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Complaint : PenFed Credit Union required me to get an unnecessary house appraisal during my mortgage refinancing application process. ( This process began on XX/XX/2021. ) Details : PenFed denied me a mortgage loan of {$310000.00} based on insufficient income ( see the attached denial letter dated XX/XX/2021 ). Specifically, they said my debt-to-income ( DTI ) ratio was too high.
During the initial stage of the mortgage loan process, the PenFed loan officer collected all the information needed to calculate the DTI ratio and could have determined whether I qualified for a mortgage. But instead, the process proceeded to the underwriting stage during which I was required to get a house appraisal that cost me {$580.00}. Then I was denied the loan.
PenFed could have determined the DTI was deficient at the beginning of the underwriting stage and stopped the application process. At that point, an appraisal would not have been needed because the house value would have been moot ( the DTI ratio does not even have any information from the appraisal ). Only if the DTI was sufficient would they have needed me to get an appraisal.
PenFed 's response : When I asked PenFed to reimburse me for the unnecessary appraisal, they refused ( see attached document with the relevant email messages ). They said their procedure at the underwriting stage is to collect income and appraisal information simultaneously, then proceed with evaluating this information.
Conclusion : PenFed should not have required me to get an appraisal at the beginning of the underwriting stage. Instead, they should have first calculated my DTI based on the information from the loan officer and any other income information they may have retrieved. Then my deficient DTI ratio would have been apparent and the application process should have stopped before the appraisal request step. ( The appraisal took less than a week, so I dont think delaying this is much of a burden to their procedures ). Because the appraisal was not necessary, PenFed should reimburse me {$580.00}.
Bigger Picture : It seems odd that I cant qualify for a {$310000.00} mortgage on a {$1.00} XXXX house even though I have a net worth of about {$4.00} XXXX and an excellent credit score. My assets include {$2.00} XXXX in retirement accounts ( Thrift Savings Plan and Roth IRA ) that are fully accessible for withdrawals, although I'm not currently taking withdrawals because I dont need to. PenFed said XXXX XXXX guidelines do not allow these accounts to be reflected in the DTI ratio if there are no periodic withdrawals. If this is the case, I believe XXXX XXXX guidelines have an age discrimination effect against retirees ( who obviously tend to be older people ) if they dont recognize accessible retirement accounts.
Im not sure PenFeds claim about XXXX XXXX guidelines is true. This website ( XXXX XXXX XXXX ) says XXXX XXXX can compute an income stream from assets that are not being used.
Final note : I have since applied for a mortgage with another credit union. Unfortunately, they would not accept the appraisal I already have. But at least they first evaluated my DTI before requiring a house appraisal. They follow XXXX XXXX guidelines that do recognize unaccessed retirement accounts. My loan was approved.
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| 10/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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IT IS NOT MY BELIEF THAT PENFED IS PURPOSELY ACTING WITH EVIL INTENT TO HARM I THE CONSUMER WHICH IS WHY I HOPE THIS MATTER CAN BE SOLVED QUICKLY AND SWIFTLY BECAUSE REGARDLESS, THE LAW IS THE LAW. AS THE ORIGINAL CREDITOR AND ORIGINAL CARD HOLDER AS CONGRESS DEFINED UNDER 15 USC 1691a ( e ) ( f ) I HAVE EXERCISED MY GRANTED RIGHT TO CREDIT AS DEFINED UNDER 15 USC 1602 WITH PENFED AND EXTENDED MY CREDIT WITH THE INSTITUTION TO EXTEND BACK TO ME FOR FAMILY AND HOUSEHOLD USE. THIS COMPLAINT WAS BROUGHT ABOUT WHEN PENFED COMMITTED ADVERSE ACTION AND DISCRIMINATION AGAINST ME IN DENYING ME A CREDIT LIMIT INCREASE AS DESCRIBED UNDER E.C.O.A. " prohibits creditors from discriminating against credit applicants ... .or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. NOTICE IT IS FACT I HAVE EXERCISED MY GRANTED RIGHT TO CREDIT AND HAVE BEEN UNLAWFULLY DISCRIMINATED FOR DOING SO. NOTICE IT IS FACT PENFED HAS ALSO COMMITTED ADVERSE ACTION AGAINST BY DENYING ME A CREDIT LIMIT INCREASE WHICH GOES AGAINST THE VERY DEFINITION OF ADVERSE ACTION UNDER 15 USC 1691 ( d ) WHICH STATES CLEARLY AND DIRECTLY " ( 6 ) ... .Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, ** or ** where such additional credit would exceed a previously established credit limit. ". PENFED ADVERSE ACTION GOES AGAINST THE VERY DEFINITION O F THE TERM AND IS DISCRIMINATION AND A VIOLATION UNDER TRUTH IN LENDING.. NOTICE IT IS FACT PENFED HAS FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND DID NOT DISCLOSE TO ME MY RIGHT TO DIRECT THE MANNER IN WHICH MY CONSUMER INFORMATION CAN BE REPORTED UNDER 15 USC 6802 AND DID NOT GIVE CONSPICUOUS CLARIFACTION TO ME THE CONSUMER OF SUCH RIGHT. REPORTING CONSUMER INFORMATION IS " VOLUNTARY '' IT IS NOT DEMANDED IN FEDERAL LAW. I THE ORIGINAL CREDITOR IN FACT WISH TO EXERCISE MY RIGHT WHICH WAS NOT DISCLOSED TO ME TO OPT OUT OF YOUR CONSUMER REPORTING INFORMATION AND GIVE YOU NO PERMISSIBLE PURPOSE TO DO SO. AND CONTINUATION OF SUCH ACT WILL RESULT IN A TITTLE XXXX VIOLATION ASWELL AS A SEVERE VIOLATION UNDER TRUTH IN XXXX -- -- -- -- -NOTICE IT IS ALSO A FACT I THE CONSUMER HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH PENFED WHERE THEY HAVE OBTAINED MY CREDIT CARD DEFINED UNDER XXXX XXXX XXXX AND WHERE A FINANCE CHARGE SUM OF ALL CHARGES WAS CONDUCTED VIA A CREDIT APPLICATION ( ASSET/SECURITY ) WHICH BECAME THE NEGOTIABLE INTSTRUMENT AND TENDER OF PAYMENT FOR THE OBLIGATION WHERE PENFED OBTAINED MONEY AND CREDIT IN COMMERCE VIA FEDERAL RESERVE ACT SEC. 16 & 29 AND UCC3-104a AND YET IS REPORTING A DEBT ALLEGEDLY LAWFULLY OWED ON MY REPUTATION WHEN IN FACT SATISFACTION OF DEBT WAS GIVEN AT THE POINT OF APPLICATION UPON EXTENDING MY CREDIT. AND THE FINANCE CHARGE 15 USC 1605. TENDER OF PAYMENT HAS ALSO BEEN EXPRESSED VIA NEGOTIABLE INSTRUMENT TO PENFED TO CREDIT THE CREDIT CARD ACCOUNT AND HAS BEEN REFUSED AND RETURNED. UNDER UCC3-603 THE ALLEGED CREDIT CARD DEBT IS THERE FOR DISCHARGED AND YET IT STILL REMAINS ON MY REPUTATION AS A CARD BALANCE. PENFED IS IN BREACH OF ITS TRUST AND FIDUCIARY DUTIES UNDER XXXX AND THE FEDERAL RESERVE ACT. SEC. 29 TIER 3 VIOLATION.
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| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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Web |
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After solicitation, I applied for a personal loan with my credit union, Pentagon Federal Credit Union. After submitting the required information a hard credit pull was initiated against my credit file by the credit union. I was approved for an amount ( {$20000.00} ) over and above the amount that I was requesting ( {$900.00} ). After approval I was notified by the credit union that I needed to submit a copy of my government issued identification ( driver license ). After reeceiving the link in my email to upload the documentation I followed up with the credit union, by phone, to ensure receipt of my submission. In response, they reported that they HAD NOT received my submission. After multiple attempts at submission through the provided link as well as through the website it was still unsuccessful. By this time, my personal loan application had reportedly " timed out ''. I did not find this out until I attempted to follow up on the status of my application. Upon receiving this news during conversation with a credit union representative, I was given the opportunity to reapply, which I did. Again, I was approved for the same amount with the same interest rate and repayment terms. At this time, and yet again, there was another hard pull inquiry made to my credit file. This makes 2 inquiries made against my credit file. I have been diligent in following the directions given to me from the credit union, even having provided a photo copy of the required documentation to the credit union 's provided P.O. mailbox as instructed. This was the 2nd personal loan application for the same loan. Again, I was instructed to upload my government identification to the website. At this time, and after having experienced the hurdles of the previous application, as well as the subsequent hard inquiries made againt my credit file, I requested that a DIRECT LINK be provided to me for the purpose of uploading the required documentation so that there would be no mistakes this time. I received the link in my email and immediately uploaded the required documentation several times. Soon after, I received an email stating that my documentation had been received and that a decision would be made within 1 to 2 days. After this period of time had passed I reached out to the credit union to assess the current standing and processing of my loan application. At this time I was informed that, yet again, my application had been withdrawn because the processing period had " timed out ''. This was after all of the diligence that I had put forth in attempts to avoid this situation once again. After this happened YET AGAIN, I was given the opportunity to apply again. Regretfully and in hindsight, I submitted a 3rd application for the same loan, same amount, same terms & interest rate under the same circumstances. My credit was, AGAIN pulled resulting in a 3rd hard inquiry to my credit file. This time I was denied the personal loan for which I was previously approved on 2 occasions within this short amount of time. My credit score and credit stance has undeservedly suffered and taken a LARGE reduction in points due to these transactions with this credit union, and through NO FAULT of my own. I want all of these inquiries to my credit file REMOVED IMMEDIATELY.
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| 11/06/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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PenFed has threatened to report me to credit agencies for delinquency on a loan that is null and void. Despite breaching the contract on XX/XX/XXXX, PenFed 's lack of action to resolve the issue shows their intent is to defraud me of money by threatening to ruin my credit. A negative credit report would affect my continued employment in a national security position. A timeline is below.
-- On XX/XX/2020, I signed closing documents with a notary that were supposed to be sent to the Title Company. It should be noted that, in the " Instructions to Escrow/Title/Closing Agent, '' the title company is supposed to contact PenFed if they were not able to close the loan.
-- On around XX/XX/XXXX, I received a phone call from the Title Company, XXXX, telling me that my closing documents had been lost. XXXX promised to provide free fraud protection and credit monitoring. They have not provided such service. PenFed never contacted me regarding my lost closing documents.
-- On XX/XX/XXXX, after no follow up from XXXX XXXX and after submitting several complaints online through the PenFed website and phone calls regarding the loan that never closed, I contacted my loan officer again to follow up on his assurances that this would be resolved. The people who fielded my calls on the PenFed telephone line said that they could not make a decision on whether I had to make the mortgage payment.
-- On XX/XX/XXXX, after not hearing from Pen Fed, I contacted the title company and they reported that they are awaiting updated documents from Pen Fed given that so much time has passed since the original closing date and now.
-- On XX/XX/XXXX & XXXX, I contacted Pen Fed multiple times by phone and never received the promise call back that this would be resolved. I asked if I had to make the XXXX mortgage payment. I was told by the Pen Fed loan officer on XX/XX/XXXX that there was no mortgage to pay.
-- On XX/XX/XXXX, I called PenFed again, which led to email communications and promises that the issue would be resolved expeditiously.
-- On XX/XX/XXXX, Pen Fed said that I would have to update some documents as so much time has passed.
-- On XX/XX/XXXX, I received a phone call from PenFed noting that the original loan was null and void and that my portal would be updated. I asked for this confirmation to be sent in writing, which they failed to do. I am no longer able to see the details of the loan, but it remains on my account on the PenFed website.
-- On XX/XX/XXXX, I re-signed the loan documents.
-- On XX/XX/XXXX, I received a letter from PenFed alleging that I was delinquent on the loan and that I would be reported to credit agencies. After being hung up on twice by PenFed, I finally reached a manager that promised to raise my case with a supervisor who would contact me by phone and email. My loan officer also promised to resolve the issue this week.
-- On XX/XX/XXXX, a PenFed representative left me a voice message asking me to call back.
On XX/XX/XXXX, I spoke with PenFed representative who agreed that the XX/XX/XXXX loan should have been null and void. He said that his colleagues must not be reaching out to the right person at servicing to correct the error. He promised to call me on Monday with an update.
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| 12/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I applied for a credit card with PennFed Credit Union on 11/21/2017. Before doing so, I had paid for my credit score directly from XXXX via XXXX 's website, and my credit score was XXXX. PennFed denied my application for credit over the telephone and followed up with a letter stating the reasons for the denial. The letter was dated XXXX/XXXX/XXXX and stated the reasons for the denial were 1. Proportion of balance to credit limits on revolving accounts is too high. ( This is not accurate - I had five individual credit cards totaling {$14000.00} in limits - XXXX XXXX {$9500.00}, XXXX XXXX {$4000.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$300.00}. My total outstanding balance was on XXXX XXXX at {$3800.00} and the balance on XXXX was {$220.00}. XXXX XXXX was {$0.00} ). My total utilization ratio was 27 %, nowhere near the limits and a low utilization by industry standards ). I explained this on the phone to the loan representative on the phone. He did not take this into consideration and instead stated that I had only authorized user accounts on my credit report and that PennFed did not take these into consideration. I again pointed out the four credit card revolving accounts that are mine, individually and show on the report. He then mentioned a delinquent account on a mortgage on the report and said it was recent. I asked which account and he pointed to XXXX XXXX XXXX short sale that was back in XXXX. We are almost in XXXX. I stated that it was a short sale and XXXX is ancient history, not recent. He had no reply to that explanation and then stated that they wanted to see a longer payment history on my current cards. I finally lost patience with this young kid who apparently did not know how to read a credit report accurately, listen to a customer 's explanations, and was declining the application on inaccurate statements, as well as violating fair credit lending laws in the process. The letter that arrived from PennFed stated three reasons for the decline : 1 ) Proportion of balances to credit limits on revolving accounts is too high. 2 ) Too many accounts with balances. 3 ) Time since delinquency is too recent or unknown. So the first two reasons, while being redundant, were also wholly inaccurate. The third one is inaccurate and vague. My revolving accounts have a perfect credit history. The phone representative had only asked about a XXXX short sale - 6 years ago is not recent. PennFed has declined my application based on complete inaccuracies. I am friends with a neighbor lady who was approved a year ago for {$5000.00} from PennFed on a credit card, only 8 months after she had declared Chapter XXXX Bankruptcy, had only two authorized user accounts from her long XXXX father on her credit report, and was making minimum wage. I know of another friend that was approved for a {$23000.00} auto loan with a credit report that had nothing except two authorized user credit cards on it. How is PennFed making accurate, fair, and consistent lending decisions? I was unfairly denied credit based on inaccurate reasons. I did call back to speak to a manager on XXXX XXXX, XXXX and to again explain away the wrong denial reasons provided on the letter. The lady on the call refused to reconsider the application.
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| 04/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
Servicemember |
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I received a Pre-Approved check in the mail in XXXX and after a few weeks elected to take the offer. The check was for {$25000.00}. After some contemplation, I concluded I wanted to use a lower amount. I called the PENFED Credit Union and conversed with a Rep which initially informed me I was unable to decrease the loan amount. She ultimately told me she could withdraw $ XXXX which was arranged at that time. I was advised that my first payment date was XXXX of XXXX.
Since that date, I called the bank maybe 3-4 separate times about different questions and it was never mentioned I was late on an installment, etc.
Moving forth to XXXX of XXXX I log in to make a payment ... the {$250.00} payment was processed.
XX/XX/XXXX arrives and I logon to begin my next installment and noticed my payment amount was {$640.00}, of course, that was surprising. I instantly called the bank to obtain transparency on why the amount increased. Hold time was extreme! So I called the following day XX/XX/XXXX and spoke to XXXX XXXX, she explained that she recognizes where the mistake occurred and that once the $ XXXX was placed back in the account the loan should have been revised ... because it charging me as if I have the $ XXXX. Of course, it wasn't prepared the route shes insinuating it should've been prepared. She mentioned she needed to communicate with her supervisor to find out the most reliable way to get this solved and would call me back within 2 days. I actually didn't hear back from her ... After a few weeks of not hearing back, I proposed an email message requesting someone to reach out to me. She ( XXXX ) called me back on Monday, XX/XX/XXXX, and explained she " dropped the ball '' and really forgot to get the information needed to settle my concerns.
She convinced me she was reaching out to her manager that day and would call me back the following day.
Today XX/XX/XXXX she called me saying that she was sorry, and everything has been out of wack and she heard back from the supervisor XXXX XXXX which informed her via email that it was nothing she could do, except waive {$1000.00} of the interest on the account. She also declared that I allowed to much time to pass by before contacting the Bank with my concerns. I reminded her that I immediately called so I was confused about the time-lapse she was stating.
XXXX essentially said she wasn't certain what else to do, and she could bring this up to the board members as I mentioned filing a compliant ... she understood where I was coming from, but the decision wasn't hers to make.
She also said she would have her Supervisor to contact me and perhaps she would be able to make the modifications after speaking directly to me.
Of course, I was shocked and now unsettled that I'm obligated to make payments as if my loan amount is {$25000.00} with a 17.99 % APR. The interest solely is ridiculous for my credit score. I was told the APR couldn't be adjusted either. XXXX loans APR 's are being reduced based off a person 's credit score. I didn't understand why this wasn't an option with XXXX.
This complete loan process was arranged wrong and I sense I was deceived into repaying a larger amount for bank advantages.
That's outrageous, to say the least.
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| 05/18/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I have been a member of Pentagon Federal Credit Union ( PENFED ) since 1999. During my tenure at the Penfed, I have often been offered many products and services ( i.e. Credit Cards ) ; but, each time I have applied I have been denied. As time went on, I began to notice a pattern and came to suspect blatant discrimination and began to challenge their quick denials. Four times I was turned down for a mere personal loan of XXXX before finally being approved after having to provide a number of documents, complain to the board, and speaking to high level managers. The loan was PAID IN FULL on time and early. Yet, when I asked for an additional loan, I was promptly denied. Yet, I began noticing how they would cater to the Latinos and Hispanics who were n't even born in this country, yet were able to get loans and anything else. Recently, I have also been noticing that PenFed is now starting to advertise : 'Great Rates for Everyone '. Yet, if this be true, then why do I continue to be denied products and services? Most recently, I was denied a car loan having been told : 'You have never had a loan like this before. ' What? Presumably, they were referring to an installment loan whereby, I had one from PenFed and a Student Loan. Prior to this, I was denied the {$500.00} Credit Protection on my Checking Account and then scolded when my account was depleted. If that were n't enough at one point, they serendipitously removed funds from my Savings into the Checking account in an futile attempt to bring the account current. I needed to stop a payment on a check whereby I was charged a fee. Unbeknownst to me, this fee could have been avoided if I had initiated the stop payment online. I was n't made aware of this until I called and was attempting to stop payment on another check. Much to my chagrin, I was not at all pleased. Truth is, I have been extremely unhappy and frustrated with PenFed for quite awhile because it is my firm belief and despite their denials, that I have been discriminated against and continues to this day. In terms of the car loan, I was expecting to take advantage of the low rates offered by Credit Unjons. Yet, as previously mentioned, I was denied. I did receive a car loan for the XXXX I had requested from PenFed ; but, at a much higher interest rate than is necessary. I also recently received a new XXXX Card. Hence, why am I not able to take advantage of all the products and services that as a member of this Credit Union offers? At this time, I am looking to refinance my vehicle ; but, extremely apprehensive about even applying due solely in part to the continued maltreatment. It is extremely frustrating to be a member of a Credit Union only to seek products and services outside of the CU in order to prove my credit worthiness before you will even consider taking a chance on me. That in itself is blatant discrimination because I have been told in the past that it is best that I find another creditor to take a chance before we do. Also, it is annoying to constantly hear how conservative they are. This fact is abundantly clear. It should be known that I initially took my concerns to NCUA whereby I have been referred to this agency for further assistance.
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| 02/07/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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We applied for 2 equity loans. The whole thing took so long we had started looking elsewhere to do them. Our goal was to have all our financial accounts under one bank/lender to make things easier.
Well the easier part did not happen. We had 1 loan at XXXX XXXX that we were moving to Penn Fed FCU as well as converting our equity line of credit balance at Penn Fed to a fixed equity loan leaving the line of credit open with a reduced credit line. Both of these loans had credit life and XXXX on them already.
From the beginning we advised that we needed the credit XXXX and Life on our loans. We were assured that was not a problem XXXX XXXX Senior Equity Loan Processor we could have individual or joint coverage we opted for joint. We were even quoted rates however since it is an equity loan they can not add on the insurance up front it would be added on as soon as the loans are active. We were even given quotes for the amount per month.
Once the loans were processed we were advised that joint life was not offered only main borrower could get. Contradicting what we were told in writing and offered before the loan closed. It was disappointing since the loan we had given up had that coverage. But at least one of us had coverage. Or so we thought. We were told that life and XXXX for The Main Borrower would be processed .. plan 2.
We never received any info for the coverage Life and XXXX for the loans and we questioned it. XXXX XXXX checked on it and referred it to her supervisor XXXX XXXX Manager of loan operations XX/XX/XXXX.We called a few times and e-mailed again on XX/XX/XXXX we received an e-mail from XXXX stating her supervisor XXXX XXXX is actively working on it for us.
Ms. XXXX assured us that she was having it taken care of for us to be patient but she would send a letter that if we chose to go to another lender that they would waive the closing fee credits if is before 24 month requirement. We believed she was working on it so we decided not to move the accounts. ( Really did not want to add more credit inquiries and looks bad switching accounts so soon. To be honest after how this turned out how would we know if they would honor that???
I spoke with Ms. XXXX only a few times ( but I called many times ) each time she stated she was having the insurance coverage added. She was working with IT and since effects only 2 accounts will take a while they have to fix/work on bigger issues 1st. Silly me I believed her and was trying to give her time to make good.
XX/XX/XXXX I called Ms. XXXX several times again and advised her I had been injured and needed that insurance It was then that she told me that they do not offer that insurance on Equity loans. She agreed that she should have just told me that in the beginning.
Went all the way to XXXX XXXX XXXX & Manager of Member experience XXXX XXXX they caould not add/fix.
Since I was injured I would not qualify to get a loan anywhere especially with the XXXX coverage since I was XXXX. I was stuck.
I was on XXXX from XX/XX/XXXX thru the end of XX/XX/XXXX.
I am entitled to the XXXX insurance that was offered and accepted.
I should get $ back I made in payment 's that should have been made by XXXX insurance.
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| 06/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I had four disputes on my credit card, and was never provided any responses or status. I had had called several times, emailed, and talked to the customer service and explained the situation since XX/XX/XXXX until XX/XX/XXXX. Finally I got my responses as the cases were too old or due to currency conversion and case is closed.
1. Purchased airline tickets and hotel to XXXX XXXX in XX/XX/XXXX. Due to the typhoon XXXX, the flight was cancelled for two days in XXXX. The typhoon then went to XXXX XXXX. Provided Penfed with the news, cancelled flight schedule screen shots, and all information I think it might help. XXXX charged {$530.00} in XX/XX/XXXX and reimbursed {$260.00} in XX/XX/XXXX. I disagreed and had to explain to customer services every time I called, not dispute department because they cant be reached, that no point for me to get stuck in XXXX for two days and chased the super typhoon to XXXX and risk my family life and stuck on XXXX. That is why I disagreed to pay for 50 % of the hotel. I contacted Penfed in XXXX, XXXX, XXXX, XXXX, and XXXX to try to solve the issue.
2. XXXX XXXX charged XXXX yen in XX/XX/XXXX and reimbursed the full amount back to me in XX/XX/XXXX due to the flight being cancelled by the nature disaster. However, I was short {$31.00} due to currency conversion. I provided the email that XXXX reimbursed the full amount. But, I got an email stating the case was close due to being more than six months the first time. I tried to communicate with the dispute department, and he told me to contact customer service. I then contacted customer and explained the situation, and reopened the case. Two months letter, I was provided a letter the case was close due to currency conversion. Again, during XX/XX/XXXX to XX/XX/XXXX, I only received two letters which was after several contacts to Penfed. I contacted Penfed in XXXX, XXXX, XXXX, XXXX, and XXXX to try to solve the issue.
3. XXXX I was charged XXXX yen to pay for my fathers dressing shirts. The cashier made a mistake and had me returned and repurchased. The amount was the same and three transactions were done within one hour. ( purchased, returned, and purchase. ) I was charged {$1.00} difference and the case was closed due to currency conservation. It should not have currency conversion difference since it was done within a short period of time, so I disagreed. I contacted Penfed in XXXX, XXXX, and XXXX to try to solve the issue.
4. XX/XX/XXXX was charged {$39.00} from XXXX. I contacted XXXX and they said they cant find any records. I disputed the charge, email the proof from XXXX, called and talked to the customer service. I was told I can choose not to pay and should not have any financial charges. Again, nothing was provided and I called on XXXX interest is being charged in my card since I didnt pay. It is very frustrating I have to contact them to waive the interest, to ask for the status when those should be done in the first place.
Penfed has failed to provide me the status, and no way for me to check the status since no records can be viewed on their website. I have to remember to call every month, and the results were disappointed. Please assist me with these disputes.
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| 03/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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In XX/XX/XXXX I called and spoke to a representative at PENFED Credit Union to get quotes for an autoloan. I was planning to purchase my leased vehicle at the end of the lease, which was coming due on XX/XX/XXXX. I was starting earlier so that I could shop around for the best rate, to estimate the cost of the loan and various add-on products, etc. I informed the representative that I was not ready to do the loan because I was shopping rates and because I still had a couple of months left on the lease. She informed me that she had to pull my credit in order to give me a quote, so I agreed. I was immediately approved for the loan, but the quoted rate was slightly higher than a rate I had already received from XXXX XXXX XXXX. I informed her that I would continue to shop around. About a week later, another representative called me and asked if I was ready for PENFED to send out a check for my loan. I said no, and again explained that I had not yet decided to take the loan with PENFED. She then stated that she was required to call me weekly to check the status, and I asked her not to do that. I told her I would let them know if I decided to take the loan. Despite this, I received a loan package, which included a check and a promissory note. I was annoyed that they sent this to me despite my expressly declining to take the loan at that time ; however, I didn't think much about it since I did not intend to ( nor did I ) sign the promissory note or cash the check. On XX/XX/XXXX, I logged onto my PENFED account to pay my credit card bill and to my surprise and utter chagrin, I saw an account for a used auto-loan with a payment due on XX/XX/XXXX. I immediately reached out to PENFED via their online email portal to notify them that I did not authorize this loan nor receive funds for it. A representative called me back a few hours later stating that they automatically create an account for individuals who have applied for and were approved for a loan. This explanation was contrary to what the representative who called me a week after the inquiry told me - e.g., that they would check back with me weekly to see if I was ready to take the loan. The representative had no explanation as to why I received conflicting information. He asked if I wanted to cancel the loan, and I reiterated that I never never authorized it to begin with so yes, cancel it. He then said something about giving me instructions on getting it off of my credit report. That was another shocker for me. How can a company put a debt on my credit report that I never even agreed to nor received funds for, and thus negatively impact my ability to continue to shop for a competitive loan rate ( which they knew I was in the process of doing ). As of today XX/XX/XXXX, I checked the account and the loan has still not been removed. I would note that after sharing my story with a coworker, she told me that about a year ago, PENFED actually opened an account for her without her permission, and she had not even applied for a loan/credit with them. This tells me that this problem might be more pervasive than just a one-off, and I urge CFPB to pursue this matter on a broad scale.
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| 05/26/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I AM FILING THIS COMPLAINT AGAINST PENFED CREDIT UNION. ON OR ABOUT XX/XX/2021 I SUBMITTED MY CHECK IN THE AMOUNT OF {$4300.00} THAT WAS ISSUED TO ME THROUGH XXXX XXXX XXXX BY XXXX XXXX XXXX FOR THE CLOSURE OF MY ACCOUNTS, THIS WAS AROUND XX/XX/2021 AT WHICH POINT I ATTEMPTED TO CASH AT A CHECK CASHING STORE WHICH DECLINE TO THE TRANSACTION BECAUSE OF THE FEES. SO I WENT TO XXXX XXXX XXXX AND ATTEMPTED TO CASH IT AND I WAS INFORMED THAT MY CHECK WAS OVER THE NON-CUSTOMER AMOUNT FOR CASHING AND THEY ADVISED ME TO OPEN AN ACCOUNT WITH THEM OR ANOTHER INSTITUTION FOR CASHING. I JUSTDID SO I DID SO WITH PENFED CU. THE FLAGGED THE ACCOUNT IMMEDIATELY BECAUSE I ACCIDENTALLY SUBMITTED THE MOBILE DEPOSIT TWICE BECAUSE THE FIRST DEPOSIT DID SHOW IN THE LEDGER RIGHT AWAY. I SUBMITTED ALL NECESSARY DOCUMENTS THAT WERE REQUESTED BY THEIR FINANCIAL SECURITY DEPARTMENT REQUESTED IN A TIMELY MANNOR AND EVENTUALLY THEY LIFTED THE RESTRICTION AND I WAS ABLE TO ACCESS MY FUNDS AND I WAS TOLD TO DO AN EXTERNAL TRANSFER TO ANOTHER INSTITUTION OR XXXX XXXX THROUGH MY ONLINE BANKING PROFILE AND I DID SO BY THE ADVISEMENT OF THEIR REPRESENTATIVE. I WAS ABLE TO DO 3 TRANSFERS AND MY ACCOUNT WAS THEN RESTRICTED AGAIN AND I WAS ASKED TO SUBMIT MORE DOCU UP AND I DID SO IN A TIMELY MANNOR. JUST TO GET THE RUN AROUND FOR ABOUT A MONTH AND FINALLY BEING TOLD TO THAT MY ACCOUNT WAS PERMANENTLY RESTRICTED AND TO ACCESS MY FUNDS I WAS TOLD TO GO TO XXXX XXXX XXXX AND HAVE THEM REQUEST FOR THE REMAINDER OF THE FUNDS TO BE RETURNED. I DID JUST THAT AND XXXX TOLD ME THAT THEY COULD NEVER DO THAT WITH A TRANSACTION FOR A PAPER CHECK TENDERED BY ANOTHER INSTITUTION AND PLUS I AM NOT THEIR CUSTOMER OR CLIENT. AND FOR ME TO CONTACT THE CFPB AND LET YOUR AGENCY GET IT RESOLVED BECAUSE THEY WERE NOT FOLLOWING PROPER PROCEDURE OR POLICY WHEN ENDING A FINANCIAL RELATIONSHIPS WITH A CLIENT AND CLOSING AN ACCOUNT WITH FUNDS REMAINING FOR DISTRIBUTION. I ATTEMPTED ONE LAST TIME BEFORE SUBMITTING THIS COMPLAINT AND THE REPRESENTATIVE TOLD ME THE PERMANENT RESTRICTION WAS PLACED ON THE ACCOUNT BECAUSE MY DRIVER 'S LICENSE WAS NOT LEDGEABLE AND TO SUBMIT THE DOCUMENT AGAIN WHILE SHE COMMUNICATED WITH THE SECURITY DEPARTMENT AND I DID SO AND SHE CAME BACK TO SAY THAT IT WILL STILL NOT BE REMOVED AND I ADVISED HER THAT I WAS GOING TO HAVE TO MOVE FORWARD WITH MY FORMAL COMPLAINT AND IF SHE COULD PLEASE GIVE ME THE NAME AND REP. ID NUMBER OF THE PERSON SHE CORRESPONDED WITH IN THAT DEPARTMENT AS WELL AS HER 'S AND SHE RESPONDED MY NAME IS XXXX AND I DON'T HAVE TO GIVE YOU ANY OF THAT AND HUNG THE PHONE UP WITHOUT ANY SALUTATIONS OR WARNING. I HAVE HAD NOTHING BUT A BAD EXPERIENCE WITH THIS FINANCIAL INSTITUTION I HAVE SPOKEN WITH OTHERS WHOM HAVE CONFIRMED SIMILAR EXPERIENCES WITH THEM ALSO. THEY ARE VERY DISHONEST AND UNPROFESSIONAL. ALL I WOULD LIKE IS FOR THEM TO EITHER ACH MY FUNDS TO MY NEW ACCOUNT WITH A DIFFERENT INSTITUTION OR ISSUE ME A CHECK FOR THE REMAINDER OF THE FUNDS AND CLOSE MY ACCOUNTS INDEFINITELY. AND IF THEY COULD EXPEDITE THE PROCESS BEING THAT IT HAS BEEN 6 MONTHS AND THIS ISSUE HAS CAUSED SO MANY HARDSHIP TO MY FAMILY AND MYSELF.
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| 07/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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XX/XX/XXXX Me and my girlfriend applied for mortgage loan. It was was pre-approved with a condition to sell my current condo. Closing date set for XX/XX/XXXX.
Early XXXX Loan was supposed to be assigned to a processor.
XX/XX/XXXX I accept contract to sell my current condo in order to meet the condition for the loan. This contract binds me after 10days to sell the condo no matter what.This day i still dont know anything about the processor since no call has been received. Asked the loan officer who my loan processor is and why they havent called.
XX/XX/XXXX Loan Office gives me info of the loan processor who still has not reached out to me.
XX/XX/XXXX Sent email to loan officer since loan processor has not called and i assume all documents needed where received. Loan Officer advised he would get his manager involved.
XX/XX/XXXX Emailed loan officer with concern about not knowing anything of loan status that that i would be forced to sell my condo once the 10days grace period of my selling contract pass. Loan Processor emails my realtor stating she is waiting for documents from me, however, this is untrue since i had never spoken to her or received an email asking for documents. Minutes after realtor received email the loan processor emails me with a set of documents that i need to provide including documents from the new property that i had to pay to rush deliver in order for me to make sure they arrived in time and avoid being in the street. I replied back to the loan processor with most of the documents requested. Also, bank ask us to open accounts in order to be member but apparently they require for each applicant to open a separate account instead of joint account and we each open an account on this day. First bank i ever hear that requires a bank account each.
XX/XX/XXXX Now i cant get out of the sale of my condo since the grace period is over. Sent more documents to the loan processor.
XX/XX/XXXX Sent the last documents requested by lender. Sent to underwriting.
XX/XX/XXXX After multiple attempts to speak with someone and find the status of my loan by me and my realtor we still dont know anything. T This institution has put me in a place where on XX/XX/XXXX i have to sell my condo whether im able to get the loan or not since i have a contract to sell. Also this means that My girlfriend, 5 month old XXXX,2 pets and I potentially can be living in the streets in the middle of a pandemic. Ive tried multiple times to find a resolution but still nothing.
Basically they dont give me enough time to find another lender even if i wanted to since 1 week is not enough for any lender to process a mortgage loan. Ive spent money between appraisal, inspection, deposit of the new home, lender questionnaire fees and rush delivery fees. This is all potential money that i will also lose if this is not resolve and my loan is not approved. I know theres no credit issues, closing funds issues or anything on our end that would not qualify us for this loan.
Im simply terrified about my situation and i just hope im not in the street with my family.
I have emails to proof the timeline if needed.
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| 12/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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This is a follow up to a complaint that I filed regarding the Pentagon Federal Credit Union on XX/XX/XXXX, complaint number XXXX.
I have not heard back from them regarding this complaint and as of the XXXX of XXXX they were still working it.
I am filing a second complaint because since filing my complaint on the XXXX of XXXX the Pentagon Federal Credit Union erroneously flagged my Penfed Visa as closed where it has not, in fact, been closed. I am current on the account and make regular payments. I currently have a {$3300.00} balance and continue to make payments on this account.
Reference the original complaint regarding this institution I have been working for over a year trying to clean up my credit as it had been adversely impacted by the fraud that I experienced in XXXX. It has been a long and grueling process. This month I applied for a mortgage thinking that I was to the point where I could get a decent interest rate with my improved credit score.
My mortgage officer questioned why my credit card account with Penfed was closed. I told her that I never closed it and I was making regular payments on it. I then called Penfed twice. The first agent did not know what to do and placed me on hold for an extended period and I finally hung up and called back. The second agent tried to help me but seemed baffled as to why the account was flagged as closed and it showed on her side that the account was open and in good standing. The only thing she said she noticed was that there was a code on the account which might have triggered their processing to notify the credit bureaus that the account was closed.This has cost me a full 1 % difference in what my mortgage company originally offered me for a mortgage. This equates to thousands and thousands of dollars over the life of a 30 year loan. This doesnt seem right to me.
I am inquiring as to why my credit card account was flagged as closed, which hurt my already fragile credit score in the month of XX/XX/XXXX after I filed a complaint against Penfed in XX/XX/XXXX with the Consumer Financial Protection Bureau. Their response to the original complaint was that they needed more time and that was on the XXXX of XXXX. Was that more time needed so that they could start to erroneously flag my account as closed?
This organization has done nothing to assist me in my plight and the fraud originally done on me. I think it is a fair question as to why this action was taken. Was it their antiquated IT systems or did someone code my account to show as closed while it is not?
I need this corrected immediately. I attempted to get the agent to correct it when I called on the XXXX. She asked me to upload a copy of the area on the credit report that I got from my mortgage lender on the XXXX of XXXX. I was assured I would be called back. I tried to stress that this needs to be handled quickly because of the potential long-term cost of their error. Based on my prior experience with Penfed, there is zero sense of urgency.
I am enclosing a copy of the area on my credit report which shows for the month of XX/XX/XXXX that this account is closed when it is not.
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| 08/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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In XX/XX/XXXX I applied for a refinance with Penfed. I was assigned to loan office XXXX XXXX NMLS| XXXX. From the beginning of the transaction I was approved for a mortgage with the following terms : 20 year mortgage 2.875 %, escrow waiver, debt payoff, appraisal waiver. From XXXX until XXXX I was assigned a processor XXXX XXXX that was very rude and continued to mishandle my file. Ms . XXXX ran my credit unnecessarily without my permission and in an effort to find reasons to have my loan denied. Ms . XXXX eventually completely stopped communicating with me and lied and stated she sent a denial letter. After many calls, emails and request for response Ms. XXXX reinstated the application and the case was assigned to XXXX XXXX. XXXX started processing the file which the terms never changed but the online portal did not accurately reflect my profile. I repeatedly asked that the loan type ( single family not 2 family ) and amount be corrected. It was not. Once I had turned in all of the updated requested documents Ms . XXXX continued to delay the processing. While she was out of town I was told that I now needed an appraisal. No one explained the change, no redisclosures were done and so I proceeded in XXXX to have the appraisal done. I paid for the appraisal and it was completed on XX/XX/XXXX. From nearly 2 months I was told the varying stories as it pertained to the appraisal including the appraisal couldn't be found and that the appraisal was not needed. But I was never given a copy of the appraisal which is what was required per the disclosures with XXXX. Finally after nearly 8 weeks I was sent a copy of the appraisal and scheduled to close. When I received the disclosures, the appraisal fee was not indicated as paid and there was an escrow. I contacted the processor, processing manager and loan officer. After several days I received a CURT response from Ms. XXXX XXXX stating the waiver was in the file the disclosures were not updated but the closing documents would be correct. On XX/XX/XXXX 7 months after my initial application with several additional cost, losses and credit pulls the closer arrived with documents with an escrow. I refused to sign. When I contacted Penfed XXXX sent me an email stating the escrows would not be waived due to my DTI being over XXXX. My DTI was always over XXXX from the beginning. My LTV is 54 %. I never agreed to an escrow. It is my belief that Penfed has acted in a predatory manner discriminatorily handling my file in an effort to deny my loan. I believe from the lack of service that this discrimination is a practice that is used to deny loans to minorities or to put minorities in loans that are either so burdensome that lose their home. Or to hold escrows for their own financial benefit. I believe this practice is being used against a particular class of applicants. Upon my refusal to close the loan officer stated she would request a return of my appraisal fee. I believe the acts of PENFED have been detrimental to my ability to get the best loan for me. The interest rates have increased, I have paid unnecessary cost and fees at a higher expense.
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| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I don't know why XXXX, XXXX XXXX, Penfed, and XXXX Continue to Violate My Rights!
I would like Monetary compensation for my rights that have been violated I have CLEARLY PROVIDED PROOF HERE IN MY COMPLAINT.
I have been denied employment and credit due to these violations of my rights.
I have enclosed proof. The evidence shows that the two accounts report the same information This is my final request before I take legal action.
Under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
15 U.S. Code 1681m - Requirements on users of consumer reports ( B ) Action described An action referred to in subparagraph ( A ) is an adverse action described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.
15 U.S.C 1681 section 602 A. States, I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S. Code 1681m - Requirements on users of consumer reports ( B ) Action described An action referred to in subparagraph ( A ) is an adverse action described in section 1681a ( k ) ( 1 ) ( A ) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause ( i ) or ( ii ) of section 1681a ( k ) ( 1 ) ( B ) of this title.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate the disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. Account ( XXXX XXXX XXXX XXXX AccountNumberXXXX ) 2. Account ( XXXX XXXX Account Number : XXXX ) 3. Account ( XXXX XXXX Account Number : XXXX ) 4. Account ( XXXX Account Number : XXXX ) I would like to receive my compensation {$1000.00} per violation per FRCA
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| 07/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
Servicemember |
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PenFed is violating the Credit Card Act of XX/XX/XXXXand are in breach of the terms of their promotional advertisement for Balance Transfers at Zero percent interest for 12 months.
Pursuant to the CCA of XX/XX/XXXX, no interest is to be charged if the entire balance is paid by the due date. Since the inception of my XXXX XXXX Visa, I have always paid for all of my purchases IN FULL BY THE DUE DATE which is the XXXX of each month.
In XX/XX/XXXX, I took advantage of PenFed 's promotional Balance Transfer where they clearly stated " no interest would be charged for 12 months. In this case, it was to expire on XX/XX/XXXX. However, PenFed began assessing interest to my credit card and/or my " deferred '' balance transfer in breach of the promotional. They have refused to credit my account even after speaking with their representative, stating that I would need to pay the balance in FULL including the deferred amount which is a part of the promotion. The closing date on my credit card is the XXXX of each month and ALL CHARGES are paid in full with an extra amount towards the deferred balance transfer. PENFED 's Credit Card Agreement for BALANCE TRANSFERS and their credit card in general are both deceptive and ambiquous as it states as follows : " C. BALANCE TRANSFERS. ( 1 ) There is no grace period on balance transfers. Finance charges accrue on all regular or promotional balance transfer amounts from the date posted to your Account and continue so long as such amounts remain outstanding. ( 2 ) A finance charge will be imposed on the average daily balance of balance transfers, which is the sum of the balance transfers outstanding each day during the billing cycle, divided by the number of days in the billing cycle. The sum of balance transfers is determined by including new balance transfers and deducting any payments or credit and excluding any unpaid finance charge. A balance transfer appearing on the periodic statement is considered a part of the outstanding balance from the date of posting. ( 3 ) The amount of finance charge is calculated by multiplying the average daily balance for each balance transfer by its monthly periodic rate. The monthly periodic rate is the yearly interest rate divided by 12. If you transfer a balance from another financial institution to us, you will immediately incur finance charges at the regular or promotional APR available at the time of the balance transfer and on purchases at the purchase APR. For instance if you transfer {$1000.00} at a promotional rate of 0 % APR and then make a purchase of {$200.00}, you will immediately accrue finance charges at the purchase rate, forgoing the grace period. To avoid finance charges on new purchases after you transfer a balance, you must pay all balances on your Account including any balances that you transfer in full by the due date. '' Such wording, contradicts the Credit Card Act of XX/XX/XXXXas well as the promotionals they would offer. Such wording and documents violate consumer protections, related to interest rates and how they are calculated, fees, disclosures and marketing.
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| 05/10/2021 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I would like to file a complaint regarding the Pentagon Federal Credit Union refinance department. On XX/XX/XXXX I applied to refinance my home loan. At which time the loan was in forbearance due to COVID-19. I complied with all requests for paperwork. I complied with the two house appraisals ( The second of which they wanted me to pay for since the first one expired given how long the process was taking. I declined to pay for their deficiency ). I stayed in touch with my loan officer XXXX XXXX and her associates XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ; mortgage processor XXXX XXXX ; as well as Escrow Assistant XXXX XXXX continuously asking about the status and if there was anything else that I needed to do. In the meantime I told forbearance I was refinancing the loan so they said it was no use of applying for a forbearance loan modification if I was refinancing the loan. Forbearance called me monthly to check on the status of the refinance. I had no status updates so I gave him the name of either XXXX XXXX or XXXX XXXX so that he could consult with them about the status of the refinance and especially given the fact the loan in forbearance and refinance were both Penfed but there was no communication between the two departments. By XX/XX/XXXX I had become frustrated with how long this process was taking with no status updates. I was always the one asking for status updates and the response was " processing or underwriting was behind ''. The only emails I received from PenFed was asking for more paperwork or to schedule the house appraisal. I did receive a conditional approval email on XX/XX/XXXX ( which I can upload that if that would be helpful ). So finally on XX/XX/XXXX, five months after I applied to refinance my loan, I was told by XXXX XXXX that the loan processor denied the refinance because the loan was in forbearance. The same loan that was in forbearance five months earlier. Not once was I told that I needed to take the loan out of forbearance to proceed with the refinance because if I had, I would have done just that. I even tried to make payments but I couldnt because the loan said paid in full due to the refinance application ( I sent screenshots of this to both XXXX XXXX and XXXX XXXX ). XXXX stated that apparently the loan processors were changing and going back and forth about approving loans in forbearance. If that was the case this should have been communicated with me. I asked to speak with a supervisor so XXXX told me that she would have her supervisor contact me. Im still waiting on that phone call. I have been a PenFed client since XXXX. I have NEVER made a late payment and I have NEVER been disappointed in PenFed until now. The gross lack of communication throughout this entire process was extremely disappointing and not what I would expect as a loyal 12 year client. As such, I am considering transferring my loans to another mortgage lender if I can not get my loan refinanced with Penfed because the whole point was to take advantage of the low interest rates which I have now missed out on.
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| 06/28/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I filed a fraud claim on several charges on XX/XX/XXXX. From XX/XX/XXXX-XX/XX/XXXX I called and emailed numerous times daily to either speak to someone in the fraud department or to have someone call me back in regards to my claim. I was consistently denied access to the department, being told different things in regards to my claim. I also asked to have a password added to my account so no one would be able to access it. I was told the paperwork would be overnighted and I would receive it by the XXXX of XXXX. It was sent standard ground mail and I did not receive it until XX/XX/XXXX. Finally, I was told that the manager of the fraud department would be calling me back in an hour on XX/XX/XXXX at XXXX XXXX, CST. However, I did not receive a call until XXXX XXXX, CST. The manager XXXX XXXX had a horrible attitude, laughing as I explained the situation and implying that I was lying about the fraud. I explained that I already filed a police report with the Police Department and I already emailed it. She stated that they had never received an email from me, I explained I have every email chain including responses from people in her organization. She then stated that I had to complete an affidavit and have it notarized, mailing it back. I explained if that was the case I wanted the paperwork sent overnight to my address and I would do as asked. It is now XXXX XXXX, CST on the XX/XX/XXXX. I took an entire day off of work to be here when the paperwork came and it has not. In fact, nothing was sent. I spoke to the fraud analyst today, XXXX XXXX and sent her a copy of the police report that I have been given and for whatever reason she has insisted that it is not the correct report and that I have to send another report. I explained to her that the report I sent is the report I got directly from the headquarters of the Police Department and there was nothing additional I could do. It has literally been one thing after another dealing with Pentatgon Federal. From being called a liar, to having people give me illegitimate information in hopes of scaring me from reporting the fraud. It is my understanding that the bank has 10 business days to issue credit on my account, it has now been more than that and I have not been issued any credit. Instead, I have been given nasty attitudes, unprofessional feedback and information and no solution. I've been lied to numerous times about paperwork being sent to me and passwords being added to my account. I filed a claim on a {$270.00} charge previously that was never actually filed and until the XX/XX/XXXX no one was assigned to this claim, which is exactly what I wanted to avoid and why I continued to ask to speak to someone in the fraud department. It is also my understanding that the bank is to fight for me, not the other way around. It is absolutely unacceptable for any organization to carry themselves in the manner in which Pentagon Federal Credit Union has and against the law in regards to how they process fraud claims. For all I know, someone within their organization is omitting the fraud on my account.
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| 12/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I completed an auto loan with PenFed ( jointly with my Dad ) in XXXX. XX/XX/XXXX I totaled my truck due to Hurricane Florence. I immediately filed insurance and XXXX claim that I purchased through dealership. After no contact from PenFed, I called them in early XXXX to ensure my balance was satisfied and the rep assured me that my loan was settled IN FULL. XXXX ' of this year ( XXXX - 38 months following ) I was told by another lender that I had a delinquent loan with PenFed with a balance of around {$1500.00}. My fiance and I have called numerous times with countless broken promises of investigation. Multiple reps informed that I owed the balance but couldn't determine why. Meanwhile, my credit ( livelihood ) is deteriorating by the day. I finally spoke with one rep that encouraged me to contact the XXXX company. XXXX advised that my insurance compant did not add the towing/camper package to my settlement amount ( {$430.00} ) and they did not pay this portion ( of course I was never advised ). I then contacted my insurance company ( XXXX XXXXXXXX XXXX ) and they stated that PenFed sent them a letter of guarantee that confirmed the amount that they offered to settle ( {$28000.00} ) -- They weren't ever notified that the towing package was not added properly to the settlement and we have now surpassed the three year period. The insurance agent sent me the Letter of Guarantee from PenFed and a copy of the cleared check that they negotiated for the total loss - PenFed cashed this check on XX/XX/XXXX but did not apply to my loan balance until XX/XX/XXXX until they received the XXXX settlement ( two reps advised me that they can not process the insurance check without XXXX -- So, I was charged 112 days of interest on {$28000.00} unnecessarily ). Today, after ANOTHER rep stated " Ma'am, you just owe the balance, you didn't pay it off completely and it's too far back for me to understand why '', I demanded to speak to management. " XXXX '' over collections advised that he did see notation that a rep advised me in early XXXX that my full balance was settled and apologized for this. I haven't been sent a statement since the end of XXXX - No knowledge of a left over balance or discrepancy with insurance/GAP. XXXX advised he is contacting his " management near the West Coast '' but no time frame of resolution. I just had a newborn son in XXXX and I plan to purchase a house for my family. This has significantly reduced my credit worthiness when I have worked so hard to improve it ( for my family ) over the last two years. I did not mind paying a balance if I truly owed it but over ten employees could not determine why and/or how I owed a remaining balance -- " I just did. '' I am hoping my disputes sent to XXXX, CFPB, and XXXX will ensure PenFed will contact me and make this right. I am truly at a loss of words of how unethical and poorly treated I have been since I was made aware of the remaining balance a couple months ago. This situation does not sit right with me and I want to ensure it does not happen to anyone else.
Thank you in advance,
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| 11/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I was shopping for auto loans in XX/XX/2021 to purchase a used vehicle. I completed an application with Pentagon Federal in XXXX to see what the interest rate would be, but ended up going with another lender ( where I purchased the vehicle ) as it offered a better rate. I did not reply to any further correspondence for months after I saw the loan offer. It is important for context that in order to even express interest in an auto loan with Pentagon Federal, they require that you create a checking/savings account with their credit union and put in {$5.00} ( in order to add {$5.00}, you have to link a checking account to push funds into the account- this is important in how the scam was done ).
Little did I know, that PenFed then proceeded to open an auto loan account, and at some point sent me a " check '' within the dozens of letters they sent to my house following. They sent lots promotional ads as well during this time ( life insurance, home mortgage, etc. ), so I just cut everything up and threw everything away believing I was just on their mailing list.
What I did not realize was, they then granted themselves permission to pull money from the personal checking account I used to add {$5.00} to PenFed savings account ( which was required to inquire about an auto loan ) for months to pay this " auto loan. '' I finally caught wind of it in XXXX 2021, after they had already paid themselves nearly {$900.00}. I have called their customer support numerous times to resolve. They agreed multiple times that they did not have any of the documentation needed to authorize a loan, and did not have permission to auto-pay themselves from the account tied to my Pentagon Federal checking account.
In their effort to resolve this, they claim to have cancelled the loan, and reversed payment on the loan itself to refund me. Now, after they reversed the payments, they then reported me to the credit bureaus for being 90 days late on my " loan. '' My credit score is now tanked to the low 600s.
I have called PenFed at least 7 times to resolve. They have agreed that they do not have documentation on file needed to establish an auto loan with me, or the authorize using my checking account to auto-pay this loan. Every time they say they are resolving it, they make it worse. I have tried to be patient but this " loan '' was enacted under false pretenses, I never signed a Promissory Note or used the funds from the check they allegedly sent, or provided any vehicle information to insinuate I would be borrowing money from their institution to purchase a particular vehicle. They have even gone as far as increasing my rates on this loan now for still not providing vehicle and insurance info.
I am without options and feel at the mercy of fraudulent business practices. I would like to report so others do not go through this via PenFed and to establish a case of fraud as I dispute the impact this loan has had on my credit history. I will also be reporting to NCUA. Unfortunate that NCUA directly charters PenFed who allows this sort of malpractice to occur.
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| 06/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Friday XX/XX/XXXX I made a mobile deposit into my Penfed Deposit Account of which is a payroll check from my employer to buy groceries and pay Bill 's. Only when buying groceries at the store and getting to the checkout only to have my card declined for insufficient funds. The check was from my employer of which Penfed has received deposits with this same employer previously multiple times. After being embarrassed at the store I proceeded to call Penfed to try to understand the reasons to hold my labor earned and tax withheld check. The first representative said they need me to send a pay stub to be able to release the funds. I did not understand the reasoning for this. So I asked to escalate and speak with a Supervisor. The supervisor by the name of XXXX said the reason they cant release the funds because they cant see the Check. I said well I deposited Via Penfed app because there is not a branch location. XXXX said they use a 3rd part service provider is to why the image is not available. XXXX offer a temporary release of partial funds and that she would be working on XX/XX/XXXX and the image should be available. Well on SATURDAY XX/XX/XXXX XXXX left a message on my personal phone letting me know there is nothing she can do and I can not access my funds until She is in the office Monday. This seems like Consumer abuse and discrimination. Today is XX/XX/XXXX and I called Penfed to try and speak with someone as I am in desperate need of my funds. The first representative XXXX said she needed my email address to verify account After I already gave them Name, Last four of social, birthday. I informed XXXX I did not feel comfortable divulging my email as this was never a past requirement. XXXX said she would hang up if I didn't want to to divulge my email. This seems like discrimination. The next representative name was XXXX I believe. I explained to her that I would like an alternative to email verification. She was able to send me a one time SMS. Yet XXXX hung up on the me the account holder. After asking to speak to a Supervisor again which never came on the call. XXXX Informed me the Supervisor said they wont release my funds from my labor. I explained I am in desperate need and that is all the money I have available for my kids and I. Well to bo avail. They would not release my hard earned pre taxes funds. To top it off Penfed previously send me an offer in the mail for a 0 % pre approved card to help pay down high interest debt. Well after accepting I received a denial letter even thought to this day Penfed still has a Security Instrument on file for the credit they turned around and said I was denied for. I also wrote a letter of reconsideration making good faith effort to reduce interest with Penfeds program and showing I am more than capable of repayment of credit and that if they can not give me a reason then I consider that discrimination. Which is illegal under the Federal Equal Credit Opportunity Act.There is a lot of issues at this institution. Mishandling of sensitive information! Consumer abuse.
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| 05/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
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This is complaint related to credit reporting for a 90 day late, on a ( LOC ) line of credit/over draft acct that was associated with a now closed checking acct.
The line of credit acct was closed prior to payment date, i did not received any letter or notification in the mail telling me anything about the acct being closed.This acct has a min payment of XXXX dollars, so would never be a problem for me to pay the XXXX dollars monthly payment at all and had been paying on the acct for several years without issue and was never late on the acct.I tried to make a payment on this acct more than a dozen times from XXXX using the online system as i have always done.I did received a phone call and voicemails in XXXX or XXXX and 1 time while driving, from someone who stated they were from penfed collections but was a bit confused because they were telling me the acct is not closed and ask me to make a payment to bring the acct current which i agree to do, so i tried again later that day to make payment again using online tool from the website, but again was getting a strange error, i tried this more times diffrent weeks later, also tried transfer funds from my savings acct, tried also using diffrent external accts, also trying adding a new external acct, but always got somekind glitch or error, and initially thought it was an issue with the web site so waited few more days and tried again and again.I kept doing this because very hard to reach customer service on most days when calling into the customer service phone line, i would either be on hold a very longtime, another time i did eventually get through to a person, who then told me they need to transfer me over to the collection dept, and that time when she said she was transfering me, i then heard a dial tone so somehow the call got disconnected or dropped when being transfered.So right now i have 90 days late on my credit report, because so many times i have tried making a payment, but as of today i know i can nolonger do it online and but never notified in the past only recently was i told of this that i cant use online self service for my payments, i would either have to call in or send through the mail..Since at a later date i did get through to someone at customer service who was able to transfer {$85.00} from my savings acct to the credit acct so i could bring the acct current, and that person told me i would either have to call in to make future payments or send through the mail, so since XXXX i am having to mail in my payments through the mail since that is the only option.So i dont think i should have my acct on the credit report showing as 90 days late, for an acct i could have easily paid, considering payment is a min of XXXX dollars a month, and penfed does not provide any notification or correspondence telling me that i can nolonger pay this acct online which is the only way i have ever made the payments in the past.So i would like the 90 day removed, since i had the expectation i can pay my acct online as i have always done since the acct was opened.
|
| 03/22/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
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Web |
|
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Hi, I had taken a home equity loan with Pentagon Federal credit Union ( XXXX # XXXX ) in XXXX. At that time I had a mortgage on my house from " XXXX XXXX XXXX '' and also my home owners insurance ( with XXXX XXXX XXXX i.e. XXXX ) was paid from escrow by the mortgage company. On my home owners insurance, Penfed was the lien holder and listed as part of my home equity loan clause.
In XXXX, I paid my mortgage in full and since my home owners insurance premium was paid from my mortgage escrow, I forgot that I had to pay for my home owners insurance premium. As a result by home owners insurance got cancelled on XX/XX/XXXX. I realized that in XXXX and had to take a new home owners insurance policy with NJM effective XX/XX/XXXX. Now since Pentagon Federal Credit union was lien holder on my home owners insurance policy they were notified about my home owner insurance policy cancellation but when I took a new home owners insurance policy with NJM I forgot to notify about the same to Pentagon Federal Credit Union.
On XX/XX/XXXX, there was only a balance of {$1.00} on my home equity loan and I was unable to pay that off online, so I had to call Pentagon Federal Credit ( PenFed ) so that I could make the payoff. At that time I was told that payoff ( {$1.00} + Closing Fee of {$75.00} ) could only be done via a check or money could be transferred from my PenFed savings account. Since I didn't have enough balance in my PenFed account at that time so I had to transfer money from my XXXX XXXX XXXX account to PenFed savings account. After transferring the money to my PenFed savings account when I called PenFed to pay off my home equity on XX/XX/XXXX, I was told that balance was about {$3100.00} because PenFed took home owners insurance on my behalf on XX/XX/XXXX with effective date of XX/XX/XXXX. When I told that I already have the home owners insurance policy the PenFed rep told me that once I provide the home insurance policy I won't have to pay the home owners insurance amount that PenFed took. I told that there would be gap on the same and she said that should be ok. So I uploaded my home insurance policy document to their website i.e. mXXXX XXXX XXXX XXXX i.e. XX/XX/XXXX, when I again called PenFed because I was still seeing high balance against my home equity loan, I was told that I have to pay pro-rated amount of the insurance from XX/XX/XXXX i.e. the date when my home owner insurance policy got cancelled to my new home owners insurance date i.e. XX/XX/XXXX. This prorated amount will be approximately {$500.00}. All this for the home equity loan balance of {$1.00} for which I had offered to pay earlier but was not able to. At no point the PenFed called my that insurance was missing is needed or I would have taken an immediate action and could have avoided this. I requested them to waive off this as I have been an outstanding customer with them but they refused.
Could you please help so that the prorated amount of home insurance on the policy that PenFed has taken on behalf of me is waived?
Thanks, XXXX
|
| 07/26/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Older American, Servicemember |
|
In XXXX I filed for bankruptcy. Pentagon Federal Credit Union XXXX PFCU XXXX held the mtg to a property that I owned, so they were named in the bankruptcy. There were, In fact, a large part of the reason for the bankruptcy, which I is part of this complaint. The first reason I am filing a complaint against them This past week I called to close a member account I had with them. I kept receiving statements even though I have not used the account since XXXX. The account balance was {$5.00}. When I told the C/S Rep what I wanted he said he needed to transfer me to the Delinquency Dept. I asked why as I did not have any open accounts with them. He said I had caused them to lose money and my accounts were being treated as delinquent! I asked if he knew that I had filed for bankruptcy in XXXX and these debts had been legally discharged. He said he could only tell me what was marked on my account. He then transferred me to XXXX in Delinquency Control. She said my account was being treated as delinquent, and that the notes indicated I had caused them to lose money. I told her this was illegal. The debts had been discharged, and PFCU played a large part in why I needed to file for bankruptcy. She said she would send a request to XXXX XXXX in the Bankruptcy Dept to see if he would close the account and release the {$5.00}. They were to notify me via em. Instead i received a check in the mail for {$5.00}. So, the first part of the complaint is : I have yet to know whether they are illegally treating the debt as a delinquency and if there are still derogatory notes against me.
The second part of the complaint involves why I ended up filing for bankruptcy. I purchased my property in XXXX under a FHA loan. Then in XXXX I became XXXX and be XXXX I had used up most of my savings and was unable to work. I was living on social security. I had a secured line of credit against my property for {$67000.00}. I requested an increase of {$20000.00}. for living expenses. Normally XXXX would pay off the {$67000.00} from the old line of credit and then issue a new line of credit for {$89000.00} with a balance of {$67.00}. So when this was not done and I had two lines of credit, one for {$67000.00}. and the other for {$89000.00} I called them. I was told not to worry I qualified for XXXX. By XXXX XXXX lines of credit were used and I was having problemskeeping up with the payments. PFCU admitted their mistake but refused to help me in lowering payments. XXXX XXXX XXXX of PFCU suggested I pay them off by taking a new conventional first mortgage through them. I told him the new payments would not allow me to pay anything else. I was told this was the only solution or PFCU would take me to court. I still have the paperwork that shows my income and the new payments that I received from them. If this is n't predatory lending I ca n't imagine what is. The end result is PFCU paid off the two lines of credit and I ended up unable to make the payments. I have all the paperwork including the lines of credit.
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| 11/06/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
On XX/XX/2020 I made my usual mortgage payment. On XX/XX/2020 I made another payment plus {$200.00} towards principle. I realized that my payments had not been deducted from my checking account. Assuming that I had made a mistake, I made another payment on XX/XX/2020 plus {$200.00} towards principle and it shows that I made that payment twice on the same day which isnt even possible because of how PenFed payments are set up. I then saw a payment on XX/XX/XXXX which I did not make but it has since then been removed. My mortgage information stated that I had made the payments and that my principle had gone down yet I noticed that the payments had still not posted to my checking account. I called PenFed and the agent noted that the payment method was not my checking account number but was actually the loan number I was making payments on. ( There are two home equity loans that this is occurring. ). The agent and her supervisor could not fix the problem and I was told I would get a call back. No call back-no resolution. I continued calling and repeating the problem and continued to be told that I would get a call back. No call back-no resolution. At some point, PenFed noted that the payments were erroneous allocated and noted that the payments had been reversed ( NSF ). Then they took one of the XXXX payments and annotated a late payment. Meanwhile my interest rose to pre XX/XX/XXXX levels and the payment they took still did not get deducted from my checking account-it was deducted from the loan account! All of my previous payments and the one they took were never credited to my equity account ; it was noted that my payments were late or nonexistent. I continued to call with no resolution or call back. At times I am unable to connect to the accounts and I am not able to download any statements and the payment methods are still incorrectno one is able to fix them. Additionally, within a week, I received three statement on one of the accountsXXXX XXXX for XXXX which is not my regular payment amount due XX/XX/2020 and outstanding principle of {$150000.00}. Another on XX/XX/2020 for a payment due on {$3100.00} and principle balance on {$160000.00} due on XX/XX/2020. Another on the XX/XX/XXXX with a payment of {$1500.00} and principle balance of {$160000.00} due on XX/XX/2020. The second equity loan I only received one statement for XXXX but the principle balance has grown by a XXXX dollars +/-. As of XX/XX/XXXX the payment method on both accounts is still wrong and I can not make a payment. After many frustrating calls and no return calls or messages ( I have also sent messages to them which they have deleted ) I need assistance. For years I have worked diligently to reduce the principle and pay my loans off early only to have the interest compounded as though no payments were made. Furthermore, I have NEVER made a late payment-my payments are generally early and I had a three month buffer with no payments being duenow I have late payments and bounced checks on my record.
|
| 06/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Older American, Servicemember |
|
I have had so many problems with this institution ( PenFed ) that could have chosen all the options. I purchase a used vehicle that cost me $ XXXX and I decided to finance with PenFed because it had the lowest rate. The first problem I encountered with them was to setup a online account in order to setup a direct debit payment. I was not able to do it because they needed to authenticate me. Really? They approve me a loan but needed to authenticate me to setup an online account to be able to pay my loan. I had to send them copy of a utility bill, copy of my drivers license and social security card. Finally, after multiples back and forth they gave me access and I was able to setup the account. Later they threaten me to increase the loan rate if I did not send them the car title. I never had to take care that process when I bought other cars. They expected me to arrange with the dealer to receive the car title and then send it to them. This is something that the dealer did directly with the bank institution. They never told me I had to this process myself. I am a XXXX XXXX XXXX woman and they made me go to the dealer to ask for the title. They said that since the pandemic the government agency is slowly processing the titles but PenFed was supposed to give me 60 days. I when back to PenFed after making a long line and told them. They gave me until this month of XX/XX/XXXX and recently had to ask them for an extension who they surprisingly extended until XX/XX/XXXX. Lastly, they send me a letter to inform me that they had to purchase a auto collateral insurance since I failed to send them the insurance coverage on the car. They NEVER told me that they were missing this information. This is something that the insurance company sends directly to them but if for any reason they don't receive it the bank ALWAYS let the customer know with ahead of time. They just sent me a letter tell me that they did not received it and purchase the insurance. I called my insurance company and had them resend the documents again. I also send them what I had via email and thru their webpage. Today I received my bank statement and I almost fainted. The loan balance increased almost $ XXXX and I have no idea why because the statement has no details. This whole situation has me very frustrated and my daughter had to measure by blood pressure because I had a sharp pain in my chest due to all this threats and hard times. I feel they want to increase my loan amount no matter what but that is not the only thing. They also purchased an insurance on my car and charging me for it. They taking advantage of me because they see I am a senior person and they believe I am going to give up. I can't imagine to how many senior customers they are doing this. I saw many seniors in the line the many times I had to go their office. Please help me resolve this situations ones and for all. All I want is to pay my loan in peace and I want them to be fair with me. This should not be so complicated.
|
| 11/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I have a personal loan with Pentagon Federal Credit Union ( PFCU ), in addition to my regular payment. On XX/XX/XXXX, I wanted to pay an additional amount towards the principal. PFCU, requires you to call an XXXX number if want to make a principal only payment. When you call the number there are many options but none specifically for principal only payments. Eventually, after much time being wasted in the que to get to a live representative you can start the the process to make a principal only payment. In my case, I wanted to pay with my debit card from another financial institution. The representative said they could not accept the payment from the card. It just so happened that I do have link from that account to PFCU.
Note : That despite the fact that this account is linked to PFCU, they will not allow me to electronically make a principal only payment towards my loan unless I process it through the XXXX number or allow me to use my debit card to make the payment.
To make the principal only payment, I had to agree to allow them to receive the payment via ACH once I agree to this, I'm told there is a 5 % fee for an ACH transfer but she would waive the fee on this occasion.
I explained to her this was unfair and not common to the other credit unions that I have dealt with in a similar manner when making a principal only payment. I explained to her that at other credit unions the customer identifies the payment as principal only and the funds are applied accordingly. I also explained that was unfair to charge a fee when the customer is attempting to pay the loan off early. I asked her would I have to do this each time I wanted to make an interest only payment? Her response was yes, or I could electronically deposit funds in my PFCU share account and call the XXXX number and request that it be withdrawn. Therefore, I could avoid the fee.
I then said that in the future I would send the payment by check indicating it as a principal only payment. She said a check payment would not be accepted. I informed her that it was illegal to not accept a check payment towards the principal. She checked with her supervisor who indicated to her that they would not process a principal only payment by check because it required mechanical processing where in their case they operate only in electronic processing.
I explained to her that both her and her supervisor was forcing customers into a situation of usury. I also explained that it was illegal for financial institutions to decline a payment made in good faith towards resolving a debt. I also stated, that I bank with may other credit unions and XXXX and none of these financial organizations have such restrictions or barriers to make principal only payments difficult or almost impossible.
I request that the CFPB check into this matter and hopefully resolve this situation so that other customers and those that do not have adequate internet access to be forced into such an unfair and illegal practice.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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XXXX XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT PENTAGON FEDERAL CR - UN {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$9000.00} POSTED ON XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTEDON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT PENTAGON FCU {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XXXX XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT PENTAGON - BANKCARD {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$9000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$13000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
|
| 11/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I opened an " XXXX XXXX '' checking account with Pentagon Federal Credit Union ( " Penfed '' ) on or about XX/XX/2022. During the online account-opening process, Penfed 's website offered me an opportunity to download a completed copy of the application -- I clicked on the appropriate link but received an error message. I promptly called Penfed to request a completed copy of the application, but none was ever sent.
This complaint involves Penfed 's deceptive advertising concerning the accrual of interest on the XXXX XXXX checking account. In numerous locations, including in the governing account agreement, Penfed states that customers " receiving direct deposits of {$500.00} or more per month '' will earn interest on the XXXX XXXX account. On XX/XX/2022, after months of receiving over {$500.00} in direct deposits, but not receiving any interest on the account, I called Penfed and was told that I was ineligible for interest on the account because my direct deposits have been into a savings account instead of the checking account. The savings account that receives the direct deposits is under my name and SSN, and appears on the same monthly statement ( and in the same online account ) as the XXXX XXXX checking account.
Specific examples of Penfed 's misleading advertising include : 1. The " banner '' on the main webpage for the XXXX XXXX account ( https : //www.penfed.org/checking/access-america ) states " Earn up to 8X the national average on your checking account balance with monthly direct deposits of {$500.00} or more. '' Nowhere does the banner specify that the direct deposit must be made to a specific account. ( see attached screenshot ).
2. The footnote disclosures on the above-referenced webpage do not indicate that the required {$500.00} direct deposit must be made to a specific account ( see attached screenshot ).
3. Most tellingly, the account disclosures that Penfed mailed to me state that " XXXX XXXX Checking account holder can earn dividends with aggregate direct deposits of {$500.00} or more in a statement cycle. '' ( see attached copy ). In notable contrast, the section of the disclosure addressing minimum balance requirements states that " If the direct deposit requirement is not met, a minimum daily balance of {$500.00} must be maintained *in the account* to avoid the monthly service fee '' ( emphasis added ). This language clearly shows that Penfed is able to specify when certain requirements relate to certain accounts, but it chose not to do so with respect to the interest-eligibility provision.
None of Penfed 's documentation requires the direct deposits to go to the checking account, and a reasonable consumer would not understand this requirement. At best, Penfed 's account agreement is patently ambiguous, and the ambiguity should be resolved against the drafter. In spite of Penfed 's poor drafting, the credit union refused to credit my account for the interest I should have earned from the date of opening.
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
|
| 04/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
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Hello I am writing this demanding a response from the branch manager at this location or the president of pen fed. I refinance my vehicle in XXXX XXXX and as of today pen fed stated that they dont have my title to my vehicle nor my update insurance information to which I provided to them by mail, upload and in person on XXXX XX/XX/22 .To The same lady who haves been handling all of my documentation from the beginning. I have receiving threatening letters and emails demanding the following documentation .when I call the Branch it go straight to customer service to which I get the run around to whom I am supposed to speak to.On XXXX XX/XX/22, I finally had a chance to speak with someone who was trying to assist me young lady called that particular branch in XXXX she stated she spoke to the branch manager her response was that all titles get mailed out to California once they received, so I explain to her I was there on XXXX XX/XX/22 today is XXXX XX/XX/22 .The title company in California is still stating that they dont have my title!! The manager also stated customer service agent who is in charge of mailing the titles to XXXX was not available that day and she was unaware on how to retrieve them to assist us To which I found to be totally unacceptable if shes a branch manager!!!! ( ( ( No names ) ) ) were given upon request!!!! at the time of the conversation but Im quite sure it was properly documented. So today XX/XX/1922, I had the pleasure of speaking with a young lady by the name of ( ( XXXX XXXX ) ) Who also explains to me that no documentations where received but she went above and beyond and tried to get the matter expedited she was unable to complete the matter and she stated to me I should go back out to the Pen Fed location in XXXX Maryland which is an hour and 45 minutes almost 2 hours away from my home!!!! request to speak to the branch manager and the young lady to whom I gave the documents to and also that an extension has been placed on my account!!!! which I told her which is extremely unacceptable to me as a consumer because Ive done everything I was supposed to do on my part .so I was to not be penalized or need a waiver placed on my account for something that was done by Pen Fed s negligence me and my husband have been paying on this loan since XXXX XXXX With no knowledge that the proper documentation was not processed until recently me and my husband deserve answers and this is so disheartening and so unacceptable from such a XXXX XXXX XXXX something needs to be done about this matter and all of the Managers and employees involved. Ive submitted documentation to the CFPB today and I also submitted documentation over to the FTC. So me and my husband is hoping for a prompt response To which this is and may affect our credit since the interest rate is at stake due to the fact that Pen Fed is stating that they did not receive proper documentation our next step is to reach out to our attorney.
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| 06/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX i received a Fraud alert from Penfed credit union saying there were couple of unauthorized charges on my credit card. After reviewing those charges i immediately called penfed fraud department and confirmed that i never used my card and reported those fraudulent charges.
They immediately cancelled the compromised card which was ending with XXXX and issued me a new card ending in XXXX.
I received the statement soon after which showed those charges and credits but also 'cash advance ' fee on those charges. I thought it must be a mistake that they charged those cash advance fee on those fraud charges which may reverse in my next statement, so i patiently waited for it all to correct and reflect just the balance transfer i had.
today i received a letter from penfed credit union saying that they concluded the fraud investigation and determined that those fraud charges were valid! and are reversing the temporary credits on my account!
How shocking that they just assumed that those fraud charges were valid even though i never used that card for ANY purchases in a year since it has a balance transfer on it, and i am aware how detrimental it would be use the card with balance transfer for any purchase since the banks love to slap interest and cash advance fees on the purchases. secondly the card was used on some place or site called XXXX ' which i have never been associated with in anyway, was hearing of it for the first time. I am shocked that this is the way penfed takes care of its long standing customers.
When i saw the letter i immediately called the number on the back of the card, after confirming details they transferred me to Fraud department, where the lady told me call the number on the letter. I called the number on the letter i received and it went to voice mail asking me to leave the my phone number and details. I am so disappointed that there is no one responsible who attends to the disputes of the customer, especially after altering first via fraud message. It seems like this case was not investigated at all and an auto letter was generated. I can not believe any human being who would investigate consider these fraud charges as valid even after customer reported it after receiving fraud alert. Very very disappointed.
I am attaching both old card and new card statements with this along with the screenshot of fraud alert message.
Since they told me to destroy the old card as soon as i receive the new card, i destroyed the old card, so all i have is the last 4 number of the old card, whcih is XXXX. This was the card on which fraud was commited.
I am giving the the new replacement card ending in XXXX for reference since it has the cash advance fee charged on those fraud charges, also shows the two fraud charges.
I want penfed to remove these fraudlent charges from my NEXT statement and reverse the cash advance fee they have charged unfairly on those fraud charges.
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| 01/11/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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In XX/XX/XXXX an auto loan was charged off the Pentagon Federal Credit Union in the amount of {$7100.00}. In XX/XX/XXXX, I filed for ChapterXXXX bankruptcy and this amount should have been included. Not to mention, after filing for Chapter XXXX bankruptcy again in XX/XX/XXXX, this amount should again have been removed from my records at the PenFed Credit Union. It is evident this charge-off that has stayed on my credit has undoubtedly had a severe impact on the type of credit I receive and the interest rate charged for the past 21 years.
I kept this account open despite of the charge-off. Each time I go into the bank to withdraw my own funds, the tellers have to obtain an override - this is embarrassing. To add insult to injury, I am a XXXX employee - I am limited with funds to pay debtors. I was unable to open a checking account, obtain a debit card, and the like due to this charge-off.
The PenFed Credit Union is offering assistance for members who have been with the credit union for at least 12 months. I was told by PenFed that I could obtain Direct Deposit Assistance. Meaning, if I was an existing member with PenFed and have an existing direct deposit into a PenFed deposit account, I could qualify for their Direct Deposit Assistance program. This program allows me during the government shutdown to take advantage of a 0 % advance on an overdraft line of credit in the amount of your most recent direct deposit from a qualifying government agency, up to {$6000.00}. For qualifying members with an existing overdraft line of credit will be increased by the amount of the direct deposit to accommodate the advance. For members without an overdraft line of credit such as myself, who otherwise qualify, an overdraft line of credit would be opened for me to accommodate the advance, and NO CREDIT CHECK is required for qualifying members.
I was told I didn't qualify because of the charge-off still on the account from XX/XX/XXXX. The representative on the line indicated that even though I filed for bankruptcy, they still have the right to keep the charge-off on the account until they are able to collect the {$7100.00}. This is clearly a violation of bankruptcy laws and discrimination.
I was told to contact a XXXX XXXX at the Credit Union, which I believe is a bogus name.
This is false advertisement and acts of insensitivity during my times of hardship. I have {$1000.00} going to the credit union monthly. I was beginning to save funds, but in late XX/XX/XXXX I had two family members : ( 1 ) one who is now deceased ; and ( 2 ) another who has experienced severe health issues where I had to assist with other family members in burial costs and other expenses.
I called in to ask questions, the representative on the phone didn't even offer me the opportunity to apply per their process.
This is wrong. I meet the criteria for a Direct Deposit Assistance, especially since no credit checks are involved.
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| 09/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I recently paid off a 1st mortgage loan with Pentagon Federal Credit Union. I sold my primary residence XX/XX/XXXX and the closing attorney wired the payoff proceeds XX/XX/XXXX to pay the balance in full.
I changed my address with Pentagon at the beginning of XXXX to ensure I would receive the refund of my escrow account. I called Pentagon on XX/XX/XXXX to inquire the whereabouts of the refund check. The representative confirmed the escrow account was closed XX/XX/XXXX and a check was mailed. I asked the representative to confirm the mailing address the check was mailed to because Pentagon mailed a mortgage statement with a statement date of XX/XX/XXXX to the property address attached to the mortgage that was paid off and where I no longer live even after I submitted an address change the first week of XXXX. The representative also confirmed the escrow refund was mailed to my new address. He suggested I wait to until XX/XX/XXXX before requesting a stop payment and a new check reissued or a deposit of the refund into my Pentagon savings account which he said was also an option.
As of XX/XX/XXXX, I have not received the refund check. I called XX/XX/XXXX to request the alternative option of depositing the refund. Once I was connected with a representative, I first asked if she could confirm the address the refund check was mailed. The representative said there was no way to confirm but could only assume it was mailed to my new address. This is a different response than the last representative which increases my concern the check was not mailed to the correct address. I then requested a stop payment of the original check and the refund deposited into my Pentagon savings account. The representative said this request would be possible, but it would take 2 weeks for the stop payment to be processed and then the refund would be deposited. This was not explained when I called XX/XX/XXXX by the first representative I spoke with. I am closing on a new residence XX/XX/XXXX and was depending on this refund to go towards closing cost.
According to XXXX Timely escrow payments and treatment of escrow account balances, Pentagon is required to refund any escrow amounts within 20 days XXXX excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full. My mortgage was paid off XX/XX/XXXX. 20 days not including weekends or legal public holidays would be XX/XX/XXXX. Pending I do not receive the original check mailed by then, what recourse do I have as a protected consumer?
Additionally, each time I call Pentagon to address questions regarding my mortgage, wait times are unusually long which makes it difficult to call them to get information. I waited on hold for 2 hours and 17 minutes on XX/XX/XXXX before speaking to a representative and average wait time has been 45 minutes for the past times I've called.
Thank you for your assistance.
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| 01/30/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX a sworn Affidavit of Truth Was Sent by certified mail in regards to 9 Federally Protected Consumer Violations under 15 USC 1692 Please be advised from sworn Affidavit of truth PenFed Credit Union failed to validate my debt request. In fact there respond is attached below as Exhibit A.In addition to pursuant to The Fair Credit Reporting Act15 USC 1681a ( 2 ) under Exclusions of a Consumer Report 1681a ( 2 ) Except as provided in paragraph 3 the term consumer report does not include -- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. Pursuant to the definitions section of Truth In Lending 15 USC 1602 ( l ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Fact I am aware the card used to initiate this credit transaction was my social security card. Therefore any transaction that arose from this credit card should not be furnished on my Consumer Report.
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that PENFED CREDIT UNION is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ).
Fact, affiant is aware that PENFED CREDIT UNION did not validate the alleged debt pursuant to 15 USC 1692g and is in violation for failure to validate the alleged debt by my request made on via certified mail XX/XX/XXXX. In fact PENFED CREDIT UNION provided documents in the form of positive statements along with deceptive and misleading forms of information.
Fact, affiant is aware and has proof in which exhibit A attached PENFED CREDIT UNION is a debt collector under definitions sections of the FDCPA 15 USC 1692. ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
Fact, affiant is aware and has proof in the attachments labeled as Exhibit A stated that a debt was allegedly owed, in Exhibit B, Exhibit C, Exhibit D, Exhibit E, Exhibit F, and Exhibit G PENFED CREDIT UNION is in violation of 15 USC1692 ( e ) ( 2 ) ( a ) of the amount of alleged debt owed.
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| 12/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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|
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Web |
Servicemember |
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In XXXX of 2020 I contacted Pentagon Federal Credit Union ( PenFed ) regarding a mortgage loan for a second home. I spoke with XXXX XXXX and I was completely honest about all of my financial information. After all of the financial information was figured out, I was told that I was pre approved for a loan of $ XXXX. Due to the fact that I had been pre approved, I started the process of purchasing a home. Once the home purchase went under contract, I sent the contract to XXXX. PenFed was very sporadic with communication, but at no time during the process did they indicate that there was a problem with the loan. In XXXX PenFed contacted me to set up and pay for an appraisal on the home. I paid that and the appraisal was done on XX/XX/XXXX. Again, no mention of any issues with the loan. The closing for the purchase of the home was scheduled for XX/XX/XXXX. The week prior to closing I started getting emails from the title company saying that PenFed hadnt sent any documentation and refused to reply to any of their inquiries. I contacted XXXX and he referred me to XXXX XXXX. XXXX was difficult to get a hold of and didnt seem to want to respond to me either, but when I did get a hold of him he was very elusive and had a hard time answering some of the questions I had. Two business days before the closing, the title company contacted me again and said they still had not heard from anyone at PenFed. I tried desperately to get into contact with someone at PenFed. I emailed and left phone messages with XXXX, his supervisor XXXX XXXX and her supervisor XXXX XXXX. I got no response at all. On the Sunday before the closing I did get a confusing email from XXXX, which did not mention any problem with our debt ratio, but confirmed that we needed to bring $ XXXX to the closing. The day before the closing I tried to contact all of these people again and again I got no response. Finally around XXXX XXXX the day of the closing I was able to get a hold of XXXX by phone and she basically told me that we were not going to be able to close, but that the loan was scheduled to close on XX/XX/XXXX. With this information I was able to request an extension from the seller and move the closing date to XX/XX/XXXX. On XX/XX/XXXX, four days before the scheduled closing, I got a call from XXXX saying that our debt ratio was too high and she didnt know if we were going to be able to get the loan approved. I stand to lose over $ XXXX and the house that I am trying to purchase not to mention the time, effort and stress this whole situation has caused me and my family. PenFed obviously knew from day one that they werent going to be able to approve this loan, but they lied and misled me for six months. The lack of professionalism and absolute disregard for honesty and decency that everyone at PenFed has shown here is disturbing and disgraceful. Its no wonder people dont trust any American institutions.
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| 05/13/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Application, originator, mortgage broker
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Web |
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This is for a Home Equity Line of Credit : I applied for a home equity line of credit around XXXX XXXX, 2015. I received confirmation of credit score on XXXX XXXX, and a confirmation email with specific documentation requirements on XXXX. Documents required included : recent paystub, a XXXX settlement form, signed authorizations, a notification of appraisal cost, and a copy of homeowners insurance. On XXXX, I provided the paystubs and XXXX along with a copy of the XXXX. Insurance would be updated with PenFed as a beneficiary at the time of closing. On XXXX I transferred funds for the appraisal. I also signed the disclosures and provided insurance information on XXXX via email and via post. I also inquired on XXXX as to why I needed to sign the waiver of timing requirements for appraisal. Throughout this point, I never received a single response or confirmation to any communication I had with PenFed or XXXX XXXX. On XXXX I notified PenFed that I was also entertaining a proposal from XXXX Bank, and inquired about my conditional approval. Upon notification of the XXXX application, PenFed required a letter of application withdrawal from XXXX in order to move forward. I followed up again with PenFed on XXXX to explain the withdrawal letter requirement, which they explained was only required if I was cleared to close with PenFed and needed to be provided only prior to closing. I followed up what was explained to me by the customer service agent with XXXX XXXX my loan processor in email format, requesting her confirmation. No response. I also called into PenFed on numerous occasions to try and confirm the status of approval and appraisal. I called in on XXXX when appraisal had not been ordered, and confirmed that it was to be ordered on XXXX - funds were debited. On XXXX I called to follow-up about appraisal, where it was confirmed that although they took the funds, appraisal was not ordered - and was placed on rush. I was told that I would receive a call within 5 days to schedule. I received a call on XXXX ( XXXX call ) from XXXX XXXX that although they took the funds and thought an appraisal was ordered, it in fact was n't. She promised that I would be contacted within XXXX2 days. By XXXX I was not contacted, and as such, I sent an email on XXXX withdrawing my application and demanding a refund of my unscheduled appraisal. On XXXX I received a phone call indicating the appraisal order request did not go through, and it was being rushed, yet again. On XXXX my application was officially withdrawn. On XXXX my appraisal fee of {$470.00} was refunded, but the refund was backdated to the original debit date. On XXXX my appraisal fee was charged back for {$470.00}, while the application remains in a withdrawn status. At this point PenFed has not delivered the service, did not incur the appraisal cost, and has absconded with my money. I demand a full refund of the fee paid.
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| 11/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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|
Web |
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XXXX and flood insurance is in escrow with PenFed. XX/XX/XXXX PenFed sent {$620.00} to XXXX for policy renewal payment. XXXX was not mailed to XXXX agency per the invoice. It was mailed to a XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX cancelled flood insurance. XX/XX/XXXX XXXX returned check # XXXX {$620.00} to PenFed. XX/XX/XXXX XXXX voided check and sent letter/voided check # XXXX to XXXX. When the check had not been cashed for 90 days, Pen Fed voided that check. Fast forward to XX/XX/XXXX - PenFed did not issue flood insurance payment from escrow. XX/XX/XXXX PenFed issued letter requesting proof of flood insurance. XX/XX/XXXX I sent email to XXXX inquiring about flood insurance. XX/XX/XXXX I received email from XXXX indicating policy cancelled for nonpayment. XX/XX/XXXX I called PenFed ( XXXX ) and they stated payment was issued and I have flood insurance. PenFed promised XXXX hour return call confirming. XX/XX/XXXX No return call. I called PenFed. PenFed insisted my escrow account was credited {$620.00}. My XX/XX/XXXX XXXX XXXX Account XXXX XXXX did not reflect credit ( in fact, statement indicated my account was {$980.00} short - I paid shortage in XX/XX/XXXX ). PenFed promised a return call XX/XX/XXXX by XXXX PM. XX/XX/XXXX I called PenFed as I did not receive a return call. I completed flood insurance application and emailed application to PenFed and XXXX. PenFed promised resolution by XX/XX/XXXX. XX/XX/XXXX I called PenFed as no return call. XXXX indicated escrow being reviewed and XXXX XXXX, supervisor, would return my call. XX/XX/XXXX I called PenFed as XXXX XXXX did not return call. I was told escrow credit would be resolved by XX/XX/XXXX. I requested {$41.00} fee PenFed be waived as XXXX is reason why I had no flood insurance XX/XX/XXXX - XX/XX/XXXX. PenFed refused to waive fee. XX/XX/XXXX received voicemail from XXXX XXXX, PenFed research XXXX referring me to XXXX for {$620.00} credit as PenFed failed to resolve with XXXX. XX/XX/XXXX I called PenFed requested a copy of letter and voided check PenFed sent to XXXX as I was not cc 'd on correspondence made on my behalf. I was not aware I did not have flood insurance. PenFed said they could not send a copy of check or letter. I stated I could not address issues with XXXX as I didn't have a copy of letter or check. I do not know why check was voided to whom check was payable to. PenFed has not fulfilled escrow duties with due diligence or timely. PenFed did not follow up with XXXX and routinely fails to follow through with return calls or sending notification in writing. I had no flood insurance. Thankfully I did not have any claims. Bottom line- I am out {$620.00} and I can not establish credible communications with PenFed. Basically, they don't care about {$620.00} - it's not their money - it's mine. I have spent over XXXX hours on phone with PenFed. There is no resolution two months later.
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| 03/21/2020 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
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Due to the Covid-19 pandemic and the national response to shut down businesses across the country, I am currently out of work for the next 30 days and my wife 's hours at work have been cut drastically. We are paying as much of our mortgage as we can, however we are unable to make the full payments. On Friday XX/XX/2020 I contacted Pentagon Federal Credit Unions mortgage department to alert them of our change in employment status due to this pandemic. I was informed that they are able to pause our payments under their forbearance program, however because we have a VA loan we would be expected to pay the full 2 months in a lump sum at the end of the of the mandatory quarantine period ( despite being out of work and having a significantly reduced income during that time ). After receiving the forbearance paperwork I saw that it takes 4-6 weeks to approve ( right as the quarantine is scheduled to be lifted ). This timeline is unacceptable and detrimental to many of PenFeds clients. I did some research and called back to PenFed to let them know The executive director of XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines for clients working companies unwilling to assist their clients during this national health crisis is to report them to the CFPB and state attorney general 's office. After hearing this information, a representative from PenFed by the name of XXXX assured me that PenFed is working with all of its customers during this time. After he confirmed with the Mortgage Manager, XXXX XXXX ( as well as a representative from PenFeds disaster relief department, XXXX XXXX ) XXXX informed me that I would receive a call back by the end of the day XX/XX/2020 to work out this issue.
After waiting all day with no contact from PenFed I called again on XX/XX/2020. I explained my situation to 2 other employees one from the mortgage department and another from the disaster relief department at PenFed who both told me about the forbearance program and the expectation of being required to pay 2 months worth of our mortgage in full at the end of this pandemic crisis.
I attempted to contact the VA to confirm this information. However, because of PenFeds delay in calling me back the VA is currently closed until Monday.
Back during the nation wide furlough a year or 2 ago, PenFed was able and willing to work with us. However now that a majority of the nation is out of work due to a National health crisis, and a mandatory quarantine closing down many businesses, they are unwilling to assist.
It is not possible to pay XXXX dollars a month ( or a total of {$4800.00} ) when your households net income for the month is a mere {$2000.00}.
Unfortunately all of my correspondence with PenFed has been via telephone so I do not have any documentation to upload.
I will also be contacting my state attorney general to alert them of this issue with my lender.
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| 06/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
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RE : APPLICATION XXXX XXXX On or about XX/XX/XXXX I received in the mail an unsolicited " pre-approved '' offer for a Visa from PenFed, with a unique ID number to input on their website to accept the offer and to input my income and housing expense information ( which was $ XXXX and $ XXXX, respectively ) as well as my full SSN and email. After doing so, instead of indicating my credit line and APR I received a message that the application was under review.
A day later I received an email requesting that I upload a full color copy of my ID, which I did. I called to follow up that it was received and verified with their agent that it was received and accepted, and that the application would now be forwarded to an underwriter for further processing which would take a couple of days.
Two days later, I noticed on my XXXX Credit Report that XXXX had done not just one, but TWO had pulls of my credit file in addition to the previous soft full for the pre-approval offer they sent me- leaving a total of 3 inquiries on my XXXX.
On XX/XX/XXXX I called again, speaking with " XXXX '' and was told the application was declined based on information on my XXXX credit file. There is no difference in the data elements provided to creditors between a soft and a hard pull. All of the information I placed on the offer acceptance matched with what's on my XXXX credit file, and the only difference in the reports between the time of the soft pull for the pre-approval and the hard pull at time of acceptance was that my credit score had gone up about XXXX points to about XXXX, credit balances had gone down, and my utilization ratio had dropped 2 points from 6 to 4 %, no additional inquiries, no derogatory information or public records, whatsoever, and no change in personal information of report flagging- so an excellent credit report had just gotten even more attractive.
So I asked XXXX why they sent me a pre-approval based on information they had, which they never intended to honor, even when they verified the information had not changed or had gotten even better? She had no explanation and would not specify what data element of the hard pull the declination was based off of.
I asked XXXX why they had fouled my credit report with an extra, unnecessary hard pull only a day after they did the first one. She had no explanation.
Based off of the irregularities and inconsistencies of PenFed 's actions and statements, I am left to conclude that : 1. Their pre-approved offers are false advertising employed for the purposes of data mining at the expense of their victims credit scores, or 2. They are discriminating against applicants based off of information other than that provided by the applicants and their credit reports, and/or 3. They are not accurately or honestly disclosing their reasons for adverse actions against applicants.
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| 08/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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Web |
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Orginal first complaint : I had a joint account with pentagon credit union with my wife in XXXX we divorced, sold our home, and paid all of our credit cards off I wanted to close the account out but pentagon assured me i could just be removed from the account. we talked and i asked for an email with evidence of it to make sure. i was sent an email the day of my removal with a balance showing i did talk to them, i also was removed from most parts of it but they missed one thing. later on i noticed it on my credit report, i called many times, they said they couldnt find any link of it so i submitted for it to be removed from XXXX twice but they Pentagon then would say i am part of it. my ex died recently and then i get a call from pentagon saying im on the hook for it, I have called many times since and keep running into issues. the second before the last time i called, a lady finally found me linked to the account but her supervisor told me tough luck even though i explained the chain of events. the last time i called they wouldnt talk to me till i submitted my id cause they couldnt verify my date of birth when i called. this is stressful and i feel powerless to do anything outside of spending a ton of money to prove this isnt fair so my credit score isnt killed completely cause they are dinging me for late payments since her death.
addition : That complaint was closed when they showed that I had at one time added myself to the card like I was denying I was added to the card. I am stating that I talked to penfed and they said they removed me and their argument is that they dont have any evidence of the call or even see how this could be a failure on their end.
I have bank statements from XX/XX/XXXX, when a call was made to penfed to pay off the card. At that time and one other time I talked to another person who assured me, regardless of their official response that I was at fault for them lying to me. My name after that call was removed from any reference to the card but not the liability which is what I requested on the phone.
This idea that I would pay the whole card off, and then want myself to be liable for my now ex wife 's card is insane. I wanted to close the account, penfed assured me I didnt have to, if I were to get legal people involved and they asked for that conversation would your company still say I am liable even when you can see clearly and common sense wise, exactly what I was trying to do. This is not me wanting to remove myself of debt, there was none, it was paid off, I was asking to be removed when it was basically zeroed out after paying it all with a one time XXXX payment and a request to not be liable for anything after.
I have an email from XXXX XXXX and XXXX XXXX from Penfed after a similar conversation where he sent a follow-up email with the current balance at the time.
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| 07/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
Servicemember |
|
I currently have a used vehicle loan with Pentagon Federal Credit Union ( PFCU ). My family and I PCSed to XXXX XXXX, XXXX on XX/XX/XXXX with the US State Department and shipped the vehicle on XX/XX/XXXX. Prior to shipping the vehicle I requested permission from PFCU to ship the vehicle, which was granted. At no time did PFCU specify that additional insurance was required while the vehicle was in shipping or subsequent secure storage.
I returned to the US in early XXXX for the delivery of our daughter and remained stateside until XX/XX/XXXX. While I was stateside PFCU sent notice via US mail to my PCS address that the vehicle did not have the proper insurance and that I would be charged if the issue was not resolved. I did not receive these notices as I was not at my permanent address. I also note that I did not receive any telephone or email communication from PFCU. I purchased an XXXX insurance policy on XXXX XXXX, XXXX. This was my first opportunity to do so as my family and I were in quarantine for 14 days upon our return from the US.
After going through several months of mail I noticed Penfeds demand for updated insurance information. On XX/XX/XXXX I submitted my policy information to XXXX third-party verification company MyInsuranceInfo.com and was told the issue should be resolved within 3 days. However, in early XXXX I noticed an additional {$2000.00} charge added to my loan for supplemental insurance. I reached out to PFCU in an attempt to resolve the issue by resubmitting the insurance policy and informing them that the vehicle was in shipment and storage. Their first reply was to deny my insurance on technicalities associated with XXXX insurance policies. After much back and forth, they eventually accepted the policy as valid.
The next reply was that the vehicle was uninsured from XXXX until XXXX while it was in shipping and secure storage which also is false as it was covered under the shippers insurance policy and was subsequently in secure storage on the US Embassy XXXX XXXX compound until I was able to have it registered and finally drive it home in around XX/XX/XXXX.
I have submitted proof of insurance and proof of shipping. There appears to be no disagreement that the XXXX insurance police I have is valid, yet the vehicle still has a supplemental insurance policy through XX/XX/XXXX attached to it that PFCU so far refuses to withdraw. At this point it appears to be purely predatory and I have received no substantial information from PFCU as to why there is still an insurance policy or a definite answer on how to have the policy removed, just vague requests for additional information. I request additional assistance to have this issue resolved as PFCU has been less than helpful and I should not be responsible for a {$2000.00} supplemental policy on top of the policy I already carry.
|
| 09/16/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Hello, I had recently applied for a mortgage with Pentagon Federal Credit Union. This experience I do not with upon anyone. Started my research by looking for a XXXX % down product with Pentagon Federal had.. I called in on XXXX XXXX with XXXX XXXX who had explained the product to me in absolute clarity ... He said it is a XXXX % down with a XXXX ARM first mortgage and a XXXX mortgage a 15 year loan fixed@5.99 %. The credit score requirement is XXXX on the XXXX mortgage. So I was super excited and applied for a loan ( BTW i had a personal loan with penfed which i paif off in full ). Once I applied I received an email from an XXXX XXXX ( loan officer ) and she properly introduced her self and asked for all of the documents needed. I went ahead and submitted all that was required of us ... Then I had to keep bugging XXXX and asking where is the pre approval? She said I am working on the XXXX mortgage but I have the approval for the first. So I kept asking for a time frame and I got nothing back. Then all of a sudden I have a new loan officer XXXX XXXX and she said from here on she will handle my file with an underwriter named XXXX. What happened to XXXX? Well XXXX just does the initial portion of the process. Same thing this whole back and forth ; then I was asked for my XXXX 's and pay stubs and my wife 's XXXX 's as well ... I went ahead and re faxed it, this was the second time. XXXX and XXXX claim they never got it.. Now they keep asking me for information. On top of that XXXX says we can no longer offer you the ARM it now has to be a fixed mortgage because of your DTI. It took them over a month to figure it out and in the mean time nothing re : the XXXX mortgage. I then had an opportunity to speak to XXXX and explain how long ago my short sale has been out there ; I mentioned it has been 4.5 years. I asked her does she need supporting docs for the short sale and she said no. At this point I am still waiting. And all of a sudden XXXX is back now and she is handling the loan process. Again she is requesting the XXXX which I think they lost ( XXXX our info is floating around ) ... Then on XX/XX/XXXX I got an email from XXXX that there was a decision and the letter is attached and she would call me to discuss ... It was a decline letter due to my short sale that occurred on XX/XX/XXXX which she knew about. I emailed her before the long weekend and left her a VM and got nothing back. At this point I sent another email and did tell her I am upset and will be filing a complaint with CFPB. I had also emailed a complaint to PENFED directly and heard nothing back. Either they are n't very good at handling loan files/ or do not know products/ or do not know underwriting or just plain ignorant. I have never seen anything like this and i am in the industry ... I do n't wish this on my worse enemy.
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
- My PenFed used auto loan was created on XX/XX/XXXX and I linked my XXXX XXXX XXXX XXXX bank account as an external account in the PenFed loan portal - To set up my account information, I used PenFed 's immediate verification portal which notes that it uses XXXX as the " security third party that will verify your banking account '' - I completed the immediate verification process and my XXXX XXXX XXXX XXXX account appeared in the PenFed external account portal - I attempted to make my first payment on XX/XX/XXXX in the amount of {$640.00} ( which is within the 2-month first payment window, so the payment was sent on time ), and received a rejected payment charge on XX/XX/XXXX and a late charge on XX/XX/XXXX.
- I was *not* aware of the first rejected payment, and made a second payment to PenFed for the used auto loan on XX/XX/XXXX in the amount of {$640.00} and received a rejected payment charge on XX/XX/XXXX - I was made aware of the rejected payments and attempted to make another payment to cover the first 2 due periods on XX/XX/XXXX in the amount of {$1700.00}. That payment was also rejected - My credit report had a delinquent payment note added to it from the PenFed used auto loan line of credit - I talked to a PenFed representative on the phone on XX/XX/XXXX and was able to make a payment in the amount of {$1700.00} to cover the first two pay periods using a different bank account - On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I had 3 rejected payments from my XXXX XXXX XXXX XXXX account when I tried to make my regular payment in the amount of {$640.00} - I found that XXXX XXXX XXXX XXXX XXXX account that was set up using PenFed 's immediate verification software had the wrong bank account information**.
- I corrected the account information, and sent a payment of {$2000.00} to cover the past 3 rejected payment periods on XX/XX/XXXX - I spoke to a representative named XXXX at PenFed 's accounts department in late XX/XX/XXXX to discuss the information being incorrect and they made a note that he would start an investigation. I called again in late XX/XX/XXXX and another representative was not able to find any open investigation.
- I made a a payment on XX/XX/XXXX in the amount of {$1200.00} to bring my account up to date while I tried to sort out the credit report investigation issue- I called XXXX 's accounts department once more in XX/XX/XXXX and spoke to a manager who said that I would have to call again to speak with XXXX to hear more about the investigation. The manager said they would follow up but I did not hear back after that.
- I sent another payment for {$1700.00} on XX/XX/XXXX to once again bring my account up to date since my subsequent requests to PenFed has not resulted in any investigation, even after being in contact with the late payments and accounts departments.
|
| 04/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
( 1 ) On XX/XX/2020 XXXX, COMPLAINTANT has successfully created a set of checking and saving accounts with PenFed. All required documents and SSN information were used to create the account, access mobile banking subsequently and to unlock using automated means.
( 2 ) However, online access was suddenly blocked on XX/XX/2020XXXX by PenFed employees. Employees stated that, although enrollment process did not require such documents, COMPLAINTANT needs to send utility bills, SSN card and photo ID in order to unlock the account. There was no automated text or email generated but it wasn't until COMPLAINTANT 's attempt to login again, when he found he account locked manually.
( 3 ) Initial deposit and a credit card application were successfully made before the lock, marking the successful login and usage before the manual lock placed by PenFed employees.
( 4 ) COMPLAINTANT called a few times ( XX/XX/2020Monday XXXX XXXX PST XXXX XXXX EST,XX/XX/2020 Friday XXXX XXXX XXXX XXXX EST, XX/XX/Saturday XXXX XXXX XXXX PST XXXX XXXX EST, XX/XX/Tuesday XXXX XXXX PST XXXX XXXX EST ), until a simple unlock was executed by an employee.
( 5 ) Documents were emailed on XX/XX/2020 and again on XX/XX/2020after representative suddenly claimed that days after assured review, that PenFed can't open the attached image files.
( 6 ) COMPLAINTANT wonders why PenFed has not notified him of this issue on XX/XX/2020, or wait to unlock the account until COMPLAINTANT had to call again on XX/XX/2020 Wednesday XXXX XXXX PST ( including PST XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX later ). ( 7 ) OnXX/XX/Sun : Utility Bill/Vehicle, Paystubs, SSN card and photo ID ( for credit card from email template ) ( 8 ) On XX/XX/2020 Tue : COLOR Photo ID, COLOR Utility Bill, COLOR SSN Letter with address were listed on manually composed email.
( 9 ) On XX/XX/2020Wed : Photo ID, SSN card, Utility Bill on a manually composed email.
( 10 ) XX/XX/2020 Wed : Photo ID, Paystubs for a " conditionally approved '' credit card application that was manually composed.
( 11 ) PenFed 's debit card is linked in XXXX transfer service, however, transactions are randomly jammed from time to time.
( 12 ) PenFed may show that it also requires additional documentations to unlock other accounts when its enrollment webpage does not require those itself to make an account or unlock when the lock was placed by its automated system. ( Or as to whether it needs COMPLAINTANT/customer to constantly call in to ask its employees to execute the unlock process, while its employees have no problem doing such tasks on their own without constantly having users to call in to remind them ). COMPLAINTANT is baffled as to why PenFed employees had to create this situation artificially in order to portray the COMPLAINTANT as calling them incessantly.
|
| 07/08/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Credit decision / Underwriting
|
|
Web |
|
|
I am writing this to you to file a formal complaint about one of Pentagon Federal Credit Union 's Loan Officers, XXXX XXXX, XXXX XXXX XXXX. I filed a previous complaint, XXXX in which none of my issues were addressed because it was thought that I am a third party. I am in the process of selling my house. The prospective buyer was using XXXX XXXX to purchase my property. XXXX XXXX improperly issued a loan pre-qualification for loan # XXXX on XXXX/XXXX/15 with out asking the proper questions on the XXXX. He allowed this process to go for over two weeks before turning down the borrower. XXXX XXXX could have easily prevented this entire disaster by asking what number appeared on line XXXX and line XXXX of her XXXX tax return. This should have taken no more than 5 minutes to clarify the borrower 's income situation. Instead of XXXX XXXX acting in a professional manner, he allowed this loan to proceed for over two weeks. Due to XXXX XXXX 's incorrect pre-qualification, the loan that we used to accept the contract was un-able to be approved. This in turn caused me to not be able to settle on my new house. The delays of relisting my condo, losing my 60 day lock and and the cost adjustment I had to make on my purchase will cost me over {$9000.00}. By accepting Pen Fed 's letter and contract offer we turned away other potential buyers and now have to start the process all over. As a member of Pen Fed I find it very troubling that Pen Fed allows Mortgage Loan Officers to act with such disregard for the general public. His action are very troubling, as is Pen Fed 's policy to allow Mortgage Loan Officers to issue pre-qualification letters when they can not follow them up with approved loans. His mistakes have ruined my home purchase process, costs me thousands of dollars and destroyed my belief in our lending laws. I look forward to your response in this matter. I would like Pen Fed to answer the following questions : What is required from a borrower to issue a pre-qualification letter?
Will you provide your guidelines for issuing a pre-qualification letter, a pre-approval letter and a commitment letter?
Do you ask what numbers appear on line XXXX and line XXXX of the borrower 's XXXX during the application process?
Did Pen Fed review the phone call to determine if the Mortgage Loan Officer asked the proper questions prior to issuing a pre-qualification letter?
Did the Mortgage Loan Officer 's documentation in the loan file match what was on the recorded phone call?
When Pen Fed improperly issues pre-qualification letters, are they responsible for the damage they cause as a result of those letters?
Is it Pen Fed 's policy to turn over loan applications with false statements to the proper authorities to determine if a crime has been committed?
If so, was that done in this case?
|
| 11/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I am a 19 year member of Pentagon Federal Credit Union ( PENFED ). Some time during the month of XXXX, I unknowingly discovered that my checking account was closed due to a fraudulent check that had been deposited into my account. Since that time, I have repeatedly asked/questioned this ( alleged ) check that was deposited into my account to no avail. Instead, I have repeated accusations hurled at me that I deposited the check via mobile deposit ( which I do n't have and have never used ) and then visiting an ATM machine to withdraw the monies from the fraudulent check. Here again, I NEVER did the acts that I am repeatedly been accused of. If this were n't enough, and to add further insult to injury, I am homeless ( since XXXX/XXXX/XXXX ) for which PENFED has full knowledge of. Yet, in another failed attempt to resolve the matter at hand-including an issue with an Overdraft that PENFED overdrafted and now hold me accountable, XXXX was able to retrieve the check in question. Based on the information he provided, the memo section of the check had 'insurance ' and the signature did not match mine. Hence, I am expecting this matter to move forward into being resolved. Unbeknownst to me, XXXX consults another individual named, XXXX whom he puts on the line and not divulging that he too was still on the line. XXXX, hurled accusations at me including 'you gave your login information to an individual who approached you wanting to make a deal, etc and then you immediately withdrew {$340.00} two days after the check was deposited. ' I was totally infuriated by the slanderous accusations ; but my words or rebuttal of these heinous acts fell on deaf ears. I did not commit any of these acts. What funds were withdrawn from my account represented a direct deposit of earnings from XXXX/XXXX ( XXXX XXXX ) but this was repeatedly overlooked. After an intense heated argument with both XXXX and XXXX, XXXX ultimately said they would not investigate as fraud because I was 'suspicious ' because of the withdrawal of funds. Yet, he acknowledged several deposits and withdrawals from XXXX/XXXX ; but refused to acknowledged the one that I raised. Instead, have me guilty of withdrawing funds from my account after ( allegedly ) depositing a fraudulent check into my account. Then XXXX going to tell me he would mail the statement to me after already being aware that I am homeless. Yet, claims this was n't in the notes. Another person, XXXX XXXX, whom I spoke to previously, scolded/chastised me by giving me an impromptu lesson on Identity Theft. I was deeply offended and insulted. Yet, he claimed he wanted to help. XXXX XXXX also was equally as offensive. This matter has been ongoing since XXXX and has grown worse. Despite wanting an amicable resolution to the problem, we are clearly at an impasse.
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Pentagon Federal Credit Union Attn : Customer Relations Department XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX Credit Bureau. I have circled the items I dispute on the attached copy of my credit report ( s ).
The items listed below, are in question and do not belong to me. I sent you a response on XXXX XX/XX/XXXX ; however, you failed to respond. This correspondence was received on XXXX XX/XX/XXXX by your office, USPS Certified mail confirmed delivery on XXXX XX/XX/XXXX. Tracking : XXXX.
Because Youve failed to address these concerns, I am demanding removal of these items Under Section 609 and 611 of the Fair Credit Reporting Act ( FCRA ) I have requested documentation of the Method of Verification ( MOV ) and this information has not been provided either. ON or about XXXX XX/XX/XXXX, you responded to this last request for MOV, but failed to provide me with the substantiating records.
The Rationale behind the removal request ( s ) is that each item marked below contains information referencing a XXXX XXXX Bankruptcy filing. However, no such record exists on my XXXX Credit File. Accordingly, this inaccurate reporting misrepresents my credit file, and can not be validated and must be removed. I am also attaching an FTC Identity THEFT report accordingly the items listed below need to be removed immediately. From my file.
1. Inaccurate/Misleading Account Information being reported PENTAGON FEDERAL CR UN Account Number : XXXX Please remove it from my credit report.
2. T Inaccurate/Misleading Account Information being reported PENTAGON FEDERAL CR UN Account Number : XXXX Please remove this inaccurate information from my credit report.
3. Inaccurate/Misleading Account Information being reported PENTAGON FCU Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
4. Inaccurate/Misleading Account Information being reported 5.
PENTAGON FEDERAL CR UN Account Number : XXXX Please remove it from my credit report.
XXXX. Unauthorized Credit Inquiry PENTAGON FEDERAL CR UN Account Number : XXXX Please remove this inaccurate information from my credit report.
Please remove it from my credit report.
During the times in which your firm reports this accounts as either being opened or filed, I was incarcerated and not able to have established these accounts. I am attaching a letter of incarceration to substantiate my claim. Please remove these items immediately from my file.
Sincerely, XXXX XXXX XXXX, XXXX.
Last 4 of social : XXXX Enclosures : As Stated
|
| 01/08/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Around XX/XX/XXXX, I received an annual escrow account disclosue statment stating that my new mortgage would increase from $ {$2200.00} to {$2700.00} ( {$410.00} increase ) due to a shortage in my escrow account. When I contacted PenFed Credit Union, they determined that PenFed erronously dropped my homeowners insurance with XXXX XXXX in my mortgage payment sometime around XX/XX/XXXX and never notified me that my insurance was dropped. Neither XXXX XXXX XXXX or myself requested that my insurance be dropped from my mortgage payment. By XX/XX/XXXX, Penfed had realized that they did not collect for my home owners insurance with XXXX XXXX and therefore I fell short in my escrow account which ultimately increased my mortgage payment by {$410.00} per month.
The issue that I take with Penfed Credit Union is that when an annual escrow is being analyzed, it is based on the previous year costs which always causes a escrow shortage. With Penfed Credit Union, I have had escrow shortages for XXXX ( {$2200.00} ) ; XXXX ( {$900.00} ), XXXX ( {$810.00} ), and XXXX XXXX {$330.00} ). What I have discovered is that the annual escrow disclosure statement is produced based on last year calculations rather than on current and new costs received from XXXX XXXX XXXX and from my Maryland County Tax Office. Each XXXX, the new calculations from XXXX XXXX and from the Maryland State Tax County Office are obtained by Penfed to update their records, but they fail to compare last years and the current year ' calculations and notify me of any adjustments that needs to be made to my mortgage payment including my escrow account. Rather, they wait until the following year in XXXX and tell me that there is a shortage in my escrow account. I would like to see the CFPB to require mortagage lenders to either : 1 ) wait until they receive new and accurate calculations from their home owners insurance company and from the State County Tax Office rather than use the previous year calculations ; 2 ) notify me immediately and make the new adjustment to my current mortage payment or 3 ) make mortgage companies do an assessment of your escrow account bi-annually. In this way, this avoids escrow shortages altogether. When I first spoke with a Penfed representative about my situation, she told me that she had seen higher escrow shorgages than {$2200.00}. This is unacceptable for mortgage companies to just allow shortages to drag on for 11 to 12 months and not notify the customer. Shortages in escrow accounts can certainly lead to foreclosures or you having to sell your house. Finally, I feel that I should not have had to pay the escrow shortgage given they admitted it was their fault for mistakenly dropping my homeowners insurance. Any documentation, clarification, or assistance you need, I am available.
|
| 09/15/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
On XXXX XXXX, XXXX, I financed a used XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. The cost of the car after negotiation was {$25000.00} ; I put down {$10000.00} which brought the car down to {$XXXX XXXX. The payments of {$340.00} for 48 months began of XXXX XXXX, XXXX with the final payment due on XXXX XXXX, XXXX. After receiving a solicitation from Pentagon Federal Credit Union for a refinance rate of 1.99 % I decided to take the promotion. I contacted PenFed and was told that they would payoff the loan for {$6900.00}. I received the check from of {$6900.00} from PenFed and endorsed it over to a loan officer at XXXX XXXX XXXX XXXX. Communication with a loan officer at PenFed was that the the new loan would be about {$200.00} maybe a little more for 24 months. I agreed to this loan amount and faxed an aceptance back. I never received any documents but received a coupon book and through an oversight on my part began making payments. It was not until I completed making 36 monthly payments that I realized I had been scammed. I could not locate any loan agreements and promptly notified PenFed. This is where my experience began with PenFed and my letter of XXXX XXXX, XXXX supports my actions. Instead of PenFed taking responsibility for this practice It escalated with fraudulent documents, checks and unbelievable deception. I have attached all communication, from me to PenFed and from PenFed to me. PenFed claims that I financed {$15000.00} with the XXXX XXXX XXXX XXXX, I then turned around and financed {$16000.00} with PenFed for the same XXXX XXXX XXXX. PenFed claims that a check for {$9200.00} was issued to me and placed into a share draft account. PenFed then states that the {$9200.00} was used to payoff the mercedes. PenFed then claims that XXXX and XXXX XXXX was issued a check for {$11000.00} and produced a promissory note to go with the others that were created. PenFed claims that the {$11000.00} was used to payoff a XXXX XXXX. This XXXX belongs to XXXX XXXX and was paid off in XXXX. PenFed trips themselves up by claiming that the {$11000.00} and the {$9200.00} XXXX went to payoff the XXXX XXXX. The payoff notices from XXXX of XXXX XXXX, XXXX and follow-up on XXXX XXXX, XXXX proves beyond a shadow of a doubt that XXXX and XXXX XXXX have been defrauded and scammed. In my complaint of XXXX we did not have these documents. These documents from XXXX Bank clearly refutes any claim that PenFed could possibly make. Since my complaint XXXX others have been found who have had similar experiences. None of their experiences are as blatant as the experience of XXXX and XXXX XXXX. I will give PenFed the opportunity to satisfy my damages in an expedited time-frame. All supporting documents have been attached. Thank you. XXXX XXXX XXXX
|
| 01/23/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
In XX/XX/XXXX ( nearly 27 years ago ) an auto loan was charged off the Pentagon Federal Credit Union in the amount of {$7100.00}. In XXXX, I filed for XXXX bankruptcy and this amount was included ; yet XXXX continues to hold me XXXX for this transaction. I also filed for XXXX XXXX bankruptcy again in XXXX, this amount was already dismissed in XXXX and should have long been removed from my credit records, which it has - yet XXXX continues to hold an internal process within their financial institution which has caused harm to my credit reports, my credit inquiries and the like.
It goes without saying by law this financial institution should be sued as well as held accountable for their financial practices toward their customers- in this case, myself. This entry should again have been removed from my records at the PenFed Credit Union. It is evident this charge-off that has stayed on my credit has undoubtedly had a severe impact on the type of credit I receive and the interest rate I am charged for the past 27 years. I kept this account open despite of the charge-off. Each time I go into the bank to withdraw my own funds, the tellers have to obtain an override- this is embarrassing. To add insult to injury, I am a XXXX employee - XXXX will not issue me a debit card, a checking account or allow me to move funds to external accounts because of this XXXX matter. During a government shutdown in XXXX - I went through this same situation with XXXX. I then wrote a complaint to your offices ( XXXX ) and XXXX funds to pay debtors ( see enclosed ). As a member of XXXX, I have been unable to open a checking account, conduct external transfers to my other accounts, obtain a debit card, HELOCs, Mortgage Refinance, Personal Loans and the like due to this charge-off. I was told I don't qualify because of the charge-off still on the account from XXXX. The representative on the line indicated that even though I filed for bankruptcy, they still have the right to keep the charge-off on the account until they are able to collect the {$7100.00}. This is clearly a violation of bankruptcy laws and discrimination. Today, XX/XX/XXXX - I encountered the same thing - so I decided to do a wire transfer in the amount of {$20000.00} to another one of my accounts- and I was told, I am not able to perform this transaction due to the XXXX charge-off. I believe XXXX has since placed a hold on all monies in the account ; I stopped all financial allotments to this account on XX/XX/XXXX. I had {$1400.00} going to the credit union monthly in a saving account. The business/financial practices at XXXX are unlawful and warrants a civil lawsuit. The CFPB should have addressed this issue back in XXXX, because here I am 4 years later addressing the same issue.
|
| 10/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Nickname, Account XXXX XXXX XXXX - XXXX I am appalled by the fraudulent actions committed by the Pentagon Federal Credit Union following a BILL CONSOLIDATION LOAN that I requested from it. In order to be thorough with explaining the scheme applied by the Pentagon Federal Credit Union to defraud me, it is imperative that I break down with the series of events designed the organization to rip me off through the loan. I am a victim of identity theft and no one can apply for a loan under my social security number without first confirming my total identity through the telephone. When I applied for the loan through the Pentagon Federal Credit Union website, I was informed that a decision on the load could n't be made without contacting me first and I waited until I received a phone from the credit union the next and I was informed that based on my credit score, I was approved for BILL CONSOLIDATION LOAN AT A OF 9.99 % and a check and other documents would have been sent to me. I received the check from the Pentagon Federal Credit Union about 1 week later without other documents to substantiate the promised interest rate and I proceeded with cashing the check since I relied on the information which was given to me verbally ( 9.99 % ) when my information was verified by the loan representative. Two weeks later from the date when I received the cashed and also cashed, Pentagon Federal Credit Union sent me documents WHICH PROVED THAT THE INTEREST RATE CHANGED FROM THE 9.99 % WHICH WAS AGREED UPON TO 17.99 % WHICH I NEVER TO. I agreed to pay {$450.00} on a monthly basis and I was being charged {$620.00} on a monthly basis instead. I called Pentagon Federal Credit Union on multiple occasions to resolve the issue, I was informed twice that they would have resolved the issue with the interest rate, but they never resolved it. I later called multiple times to speak to a supervisor, only one lower level was willing to call me back amongst all the request that I made, but he was n't willing to help me and he also mocked me. I was n't willing to make any payment to the Pentagon Federal Credit Union until this interest rate situation is resolved and the credit union still continues to send negative information under my name to the Credit Bureau Agencies. I am willing to make payments for the CONSOLIDATION LOAN I owe to Pentagon Federal Credit Union until the interest rate issue is resolved. I have heard before that Pentagon Federal Credit Union was fraudulent, but I never thought it was that bad. I just hope that other military member and federal employees wo n't have to face similar issues with Pentagon Federal Credit Union in the future since it seems this organization is use to committing fraudulent acts as such.
|
| 04/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
After filing a complaint with the CFPB the company responded and requested that i file an application for hardship along with a statement and return same. I followed the companies request and received a denial notice stating i needed to submit further documentation in regards to my situation. I completed a hardship form from there site along with a statement as they requested. I am in fear that my vehicle will be repossessed at this point and i only want to work out a solution to keep the vehicle and get back on track with the payments. I am unable to come up with three months of payments and i am sure i will be receiving a " Right to Cure Notice '' from Pentagon Federal Credit Union.
This is there response : Dear XXXX XXXX XXXX, Thank you for contacting us about your loan ( s ). Based on a review of the information you provided to us on your Financial Hardship Application received on XX/XX/XXXX, your request for assistance is incomplete and requires additional information from you. In order to complete your application, please provide the following forms, documentation or information : Completed PenFed Financial Hardship Application : Detailed explanation of hardship as requested on page one of the Hardship Application. The Used Vehicle Refinance Loan account that you are requesting assistance on was just taken out in XXXX of XXXX, and we have received only received 2 payments on the account ; in order for us to offer assistance on the account we need to better understand what has changed with your finances in that short time to cause the financial hardship. Your explanation provided states the hardship had not began in XX/XX/XXXX.
Documentation to verify your stated hardship reason dated within the last 90 days : Documentation verifying how the XXXX or XXXX caused your financial hardship ( ex : unpaid leave/FMLA, unemployment, reduction in income, medical bills, etc ) **please do not send detailed medical information** **DOCUMENTS MUST BE DATED WITH THE LAST 90 DAYS TO BE CONSIDERED VALID** The necessary documents and/or information to make your application complete must be received by XX/XX/XXXX. Please do not send documents directly to your analyst as it does result in excessive delays for review. You may send them via upload on the website through your online account, fax to XXXX, email to XXXX, or by mail to : Pentagon Federal Credit Union / Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX PLEASE DO NOT SEND DOCUMENTS TO ME DIRECTLY AS IT DOES RESULT IN UNNECESSARY DELAYS. ALL DOCUMENTS ARE REVIEWED IN THE ORDER OF RECEIPT.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ( XXXX ) XXXX ext XXXX | F : ( XXXX ) XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX
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| 01/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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On XX/XX/XXXX, my wife and I applied to refinance our existing mortgage with PenFed Credit Union and received an initial loan estimate. Section C of the loan estimate listed the following fees as fees that we can shop for : Title Service, Settlement Fee and Overnight Fee. My wife and I promptly informed PenFed on XX/XX/XXXX that we would like to shop for all 3 services and informed PenFed of who would be satisfying the services. On XX/XX/XXXX, my wife and I received another loan estimate from PenFed and those fees noted above were all listed under section C, still. On XX/XX/XXXX, PenFed sent my wife and I an initial closing disclosure where the Title Service fee was listed in section C but the Settlement Fee and Overnight Fee was migrated to Section B, the section where fees are listed that we can not shop for. My wife and I promptly contacted PenFed and we were told that we can use our own settlement attorney or an additional fee but my wife and I would still need to pay the settlement fee for PenFed 's attorney. My wife and I contested this decision since this was not what we were informed of and contradictory to all communications throughout XXXX and XXXX with various representatives at PenFed. Moreover, the Overnight Fee was not a fee to be collected by my wife and my attorney. XX/XX/XXXX my wife and I receive an updated final closing disclosure that includes a lender credit to cover the XXXX XXXX for PenFed 's attorney but there is no lender credit for the Overnight Fee ( {$90.00} ). Additionally, there's a new fee ( {$60.00} ) to cover the cost to satisfy an old lien that PenFed left outstanding on my wife and my home. My wife and I promptly contacted PenFed and we were informed via verbal communication and email that we should close the loan and that the concessions for the {$90.00} and {$60.00} have been submitted and that following the closing, my wife and I would receive a refund for those fees. My wife and I closed on the refinance of our home on XX/XX/XXXX. XX/XX/XXXX, my wife and I contacted PenFed to inquire about the refund of those fees and we were told that the {$60.00} wouldn't be credited because this was a fee that they believe they shouldn't cover and the {$90.00} overnight fee will not be refunded since the fee was migrated from section C to section B and my wife and I closed on the loan knowing these fees were chargeable. Albeit small fees, it is wrong that PenFed deceptively listed the fees as those we can shop for then conveniently slides the fees to the section of fees that can not be shopped for. We believe this was intentional and that it's important for other consumers to be aware of these financial practices and lack of transparency from PenFed.
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| 02/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I submitted the following complaint on XX/XX/XXXX with the XXXX and received the response that this complaint did not fall under XXXX parameters and to instead seek remedy with the CFPB. They may have also forwarded this complaint to you, but it was not clear the method. To avoid the risk of it being delivered by postal mail and delaying a response I am submitting this complaint.
My complaint submitted with them is the following : I applied for the PenFed Pathfinder Signature Rewards credit card on XX/XX/XXXX and was approved. At the time I had a PenFed Access Checking account which allowed for the credit card to receive an annual fee waiver.
I closed the Access Checking account on XX/XX/XXXX. I was then charged an annual fee on the credit card XX/XX/XXXX that reads " ANNUAL CHARGE XX/XX/XXXX THROUGH XX/XX/XXXX REFERENCE ID : XXXX '' Per PenFed 's website it states the following under the annual fee waiver for the credit card : " ***As a PenFed Pathfinder Rewards cardholder, if you qualify for Honors Advantage ( member of the military or XXXX XXXXXXXX or Free Checking account holder ) at the time of the application, we will waive the annual fee on your account. If you were not eligible at account opening, but subsequently become eligible, the annual fee will be waived on your next anniversary. If at any time, you fail to maintain the eligibility requirements, you will no longer be eligible for the waiver. You will receive advance notice of this change. '' https : //www.penfed.org/credit-cards/pathfinder-rewards-visa The last sentence that states I will receive advance notice of this change was not provided to me. I did receive an email on XX/XX/XXXX from PenFed informing me the card was no longer receiving the same reward points as it was previously, but nowhere in the email is it mentioned regarding the annual fee.
Additionally, the language reads as an ANNUAL fee waiver. I opened this card on XX/XX/XXXX and the charge I received on XX/XX/XXXX indicates it is for XX/XX/XXXX Through XX/XX/XXXX. When I called on XX/XX/XXXX and spoke with a representative, she informed me that the annual fee would not be credited back and even if I closed the account I would still be subject to the entire {$95.00}, despite not receiving the full year of the card.
I then inquired what would happen if I closed the account and she informed me the {$95.00} would be sent to collections. I stated I would not be closing it and would file a complaint as this was unsatisfactory. At no time did the representative offer any other alternatives.
I seek a speedy resolution because I was not informed in advance of this by the credit union and they are requesting the {$95.00} by XX/XX/XXXX.
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| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had a HELOC with Pentagon Federal Credit Union ( PenFed ) that matured. I was making regular payments well above the minimum payment amount up to that point ( and continued to make payments in the same amount after the loan matured ). I didn't realize the entire balance of the loan was due until I called PenFed on XX/XX/XXXX after being charged a late payment fee on XX/XX/XXXX.
While speaking to " Ms. XXXX '' ( she refused to provide her first name ) from the Mortgage Department at PenFed on XX/XX/XXXX, I told her that while I could drain my savings to pay off the balance, I preferred not to do that if there was another option that would not result in adverse actions against me. Ms. XXXX told me that if I refinanced the loan through PenFed, no adverse actions, including negative reports against my credit, would be taken against me while the new loan was being processed. Based on that information, I began the application process for that new HELOC at that time.
While my new HELOC was being processed, my wife and I continued to receive delinquent notices for the old HELOC. I called PenFed 's Mortgage Department after receiving the first of those notices and, again, spoke with Ms. XXXX, who told me those notices were sent from an automated system that could not be turned off. Ms. XXXX reassured me that no negative reports would be made against my credit.
My new HELOC was approved and funded at the end of XX/XX/XXXX. I, recently, discovered PenFed reported 30, 60, and 90-day delinquencies on my and my wife 's credit for the old HELOC. I called PenFed today and was told they would not reverse the negative reports because they were based on " accurate information. '' I was told this by the initial representative with whom I spoke and his supervisor, XXXX ( ID # XXXX ). I informed XXXX that my decision to refinance the loan was based on a bad faith negotiation on their part ( lying to me about not taking adverse action if I refinanced with them XXXX, but she would not budge from her position.
I asked to speak with someone above XXXX, and she advised she would have a manager contact me. I am still waiting for a manager to contact me, but I have little confidence that PenFed will do the right thing since they clearly lied to me in the first place ( Ms. XXXX also said she would put a request in the system to reverse the late payment fee and those fees, typically, would be reversed upon closing the new loan, but PenFed has since told me that was incorrect information and they refused to reverse that fee ). Basically, they told me two lies that led to my decision to refinance with them, and now they refuse to make any corrections.
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| 06/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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This is in response to the Penfed Credit Union letter dated XX/XX/XXXX. The Merchant namely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a rebuttal claiming the services was rendered to my residence by XXXX XXXX XXXX XXXX and submitted a sales transaction slip for this purchase Order. The letter from the owner of the XXXX XXXX XXXX XXXX will prove that the services claimed by XXXX was NEVER made and the sales transaction slip aka Invoice used by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence is a fraud.
On XX/XX/XXXX I requested for a repair on my sprinkler system. XXXX assigned me XXXX XXXX XXXX XXXX XXXX. See email. That same day I called the XXXX XXXX & I was told by XXXX, the owner of the company XXXX XXXX XXXX XXXX XXXX he will not provide the service because they do not work with XXXX.
On XX/XX/XXXX, I followed up with XXXX XXXX XXXX XXXX to provide me services XXXX was claiming. No service was provided.
On XX/XX/XXXX, I requested a plumbing service and that same day XXXX emailed me an assigned Plumbing company, namely XXXX XXXX XXXX XXXX to call. The XXXX XXXX told me they are not affiliated with XXXX therefore, they won't provide the service. See emails exchanged between myself and XXXX XXXX XXXX and assignment from XXXX.
On XX/XX/XXXX I called XXXX to provide me with the services they claimed were rendered to me by XXXX XXXX XXXX XXXX and XXXX XXXX as was provided to Penfed. I was told by XXXX XXXX he will email me, to date no email from XXXX in regards to the services.
On XX/XX/XXXX, XXXX Because of the fact XXXX has assigned false and misleading companies, deceiving me, compelled me to cancel my policy. I submitted my cancellation letter via email. See email.
XXXX XXXX, XXXX Following up with XXXX XXXX email on the cancellation letter. This was before I received the letter from Penfed credit union with the sales transaction slip submitted by XXXX. To date, no response.
XX/XX/XXXX, XXXX I called XXXX to settle this case. There was a long period of round about from one person to another repeating myself over and over until I finally talked to this person, he called himself XXXX. Just as I was starting to explain myself, these were his exact words on the other end ... " Your call is on hold, bye bye '' the phone died. One would ask, What do you make out of this situation? This has been the case often times I called XXXX.
I am humbly asking Penfed credit union to reopen this case and return the {$2100.00} to my account for the services XXXX XXXX XXXX XXXX claiming was all lies and misleading. XXXX can find the contact of the owner of the XXXX XXXX XXXX XXXX on the letter to verify this case.
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| 01/02/2024 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
- Escrow, taxes, or insurance
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Web |
Servicemember |
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I'm a 100 % combat-related, service-connected XXXX XXXX that has owned and resided in my home since XXXX.
XXXX XXXX has a full exemption from property taxes for XXXX with 70 % or more XXXX. My yearly tax bill is about {$10000.00} had I not been exempt I have received exemptions for all years XXXX ( Taxes are billed in arrears ). Penfed Credit union took over the loan in XXXX and honored the exemption till this year.
Since I have to re-apply for the exemption on a yearly basis, there was an issue with processing it in XXXX. Till XXXX, Penfed has charged me only principal and interest as they should have, however, in XXXX they claim to have paid over {$40000.00} in back taxes to XXXX XXXX XXXX XXXX XXXX making an advance to my escrow balance and charged me the full amount. They have failed to provide any evidence of that payment except from the escorw statement and XXXX XXXX has acknowledged receipt of only ~ {$7000.00} of the {$40000.00} paid. Another ~ {$13000.00} that was paid has returned back to Penfed based on the statements, however, the remaining {$20000.00} has been unaccounted for - neither XXXX XXXX has received it nor Penfed has been able to produce evidence that they've paid in my name.
I have obtained letters from the XXXX XXXX assessor 's office that I have been fully exempt for all years and have provided those letters to Penfed. The letters and tax bills provided by the assessor 's office claim that my tax bill has been 0 for each year all along.
I have provided all the evidence to Penfed requesting proof of payment ( cancelled checks, paystups etc ), however, they have been unable to produce that.
To date, I've paid {$26000.00} towards escrow for insurance and taxes in XXXX - even though I shouldn't have paid anything since I've provided evidence of 3rd party insurance paid in full as well as evidence of tax exemption.
Penfed has been aggressively trying to collect the balance and has severely damaged my credit score - which has substantial negative implications on my business since I'm in real estate acquisitions and my credit score is extremely important to me. It has gone down from XXXX to XXXX within 3 months.
They are trying to collect their remaining balance of advance escrow payment ( last bill they sent me was for 18K ). While I've sent multiple communications to them, and spoken to their supervisor, who has acknowledged that there must have been a mistake after reviewing evidence from the assessor 's office - however, this ordeal remains unresolved, with my credit score plummeting as they have been conducting their " research '' to resolve the matter for the past 4 months.
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| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have unfairly impacted my creditworthiness.
Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties.
I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA.
Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation.
I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA.
Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX.
Thank you for your immediate attention to this matter.
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| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear XXXX You continue to violate my rights by not doing an actual investigation included is proof.
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section XXXX of this title.
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.
Name : XXXX XXXX XXXX XXXX : EMPLOYER : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Collections : XXXXXXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
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| 05/26/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Servicemember |
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I called pen fed credit union to let them know of some fraudulent activities on my account and they acknowledged all the transactions and refunded the money to me. Later on I received a letter stating that I need to write a statement in regards to what had happened with that merchant and I did. In return they sent me an email from the fraud department that they will need to hear from me before XX/XX/XXXX in order for the funds not to be reversed, since I am out of the country I called them on a XXXX phone in order to ask why if I received ba letter that I need to make contact before XX/XX/XXXX and now you guys have reversed the funds and now caused my account to be in a negative status. Below is the letter I wrote to them to support my claim.
To whom it may concern, I am writing this letter in regards to those charges that was fraudulent in my checking account and that I did not authorized this company XXXX. I tried a promotion they were having in regards to making a deposit of {$10.00} and they will match your deposit and also gives some additional funds. I was not aware that this company was going to store my card information on their website and when I realized all of the unauthorized charges I quickly call my banking institution to make them aware of the discrepancy and to let them I never allowed XXXX to charge my debit card.
These charges were not made by me and I tried calling them and they keep on transferring me without any response and they also closed the account as soon as I reported the fraud. Thank you for your quick resolution This is the response they sent me.
Hello XXXX XXXX, Thank you for your most recent information regarding the 12 {$25.00} sales to XXXX. I am sending you this email with the following information : If you do not recognize these charges, please contact our Fraud department no later than XX/XX/2019 or the matter will be considered closed. You may call XXXX or from overseas call collect XXXX and report the account as being compromised and state that these particular transactions as suspected Fraud. The above referenced account will be shut down and you will receive a new account number. Additionally, the Fraud representative will advise you that an affidavit will be sent to you within 7-10 business days that you must complete the affidavit and send it back to begin the fraud investigation.
If you have any questions, please contact XXXX Sincerely, XXXX XXXX Credit Card Dispute Analyst XXXX ext XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PenFed.org I have not had any issues with this credit union nor any disputes and they should not have handled my case this way.
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| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I took out a loan with PenFed in XXXX of this year. There was a check cut and issued to me, I received it in XXXX and attempted to deposit it to my bank, but there was a problem doing so. I contacted PenFed and told them the check wasn't working. They agreed to cut me another check and sent it out.
What they didn't do, I have now been told by their own personnel, was cancel the previous check. As a result, my loan was still dated as starting in XXXX. Before I even had received a working check, I got a call from them telling me I had missed a payment on this loan. I explained what happened to the person on the phone, who told me to not worry about it and everything was fine, I didn't owe a payment at this time.
Fast forward to when I finally receive a working check in XXXX and deposit it, I now get a call from PenFed claiming I've missed TWO payments on the loan, and my credit reports now showed two late payments as well. I asked why this was the case when I didn't even receive a check to deposit until a couple of days prior. My loan shouldn't have started until that point. I was told by the person on the phone that their personnel who I had reported the bad check to had failed to cancel the previous check, so my loan was still dated in XXXX, and I owed the payments stated, and there was nothing they could do since I already deposited the check ( otherwise I likely would have simply canceled the loan ).
I paid the account up to current, and they told me to file a report with the credit bureaus to fix my credit score. I did so, and XXXX came back to me telling me that PenFed had reported the late account and missed payments as accurate, when that is absolutely not what we discussed on the phone. I called them back and they told me to submit my credit reports to their credit repair department, which I did, but it has resulted in no change. They informed me I would receive an email once they've reviewed my documents, and I also have not received that yet.
After a bunch of fighting, XXXX finally removed the late payments, but none of the following payments show as on-time, even though I have consistently made every payment on-time since I received the check in XXXX. XXXX, after 3 disputes, is still showing the late payments as accurate.
I was trying to buy a house within the next year, but now I can't because my credit is destroyed. I've lost 100 points off my score because of this company 's negligence and poor handling, and they've refused to do anything to help me make it better.
I have reported the lender to the XXXX XXXX XXXX as well, but they have yet to respond to their inquiry.
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| 11/18/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX an ACH was set up to transfer funds into my PenFed account. The ACH was processed successfully the next business day and PenFed put a deposit hold until XX/XX/XXXX. I have attempted to access the funds multiple times since then and PenFed has continuously blocked my account. I have repeatedly asked for an official communication that is compliant with Title 12 and Regulation CC addressing the availability of funds. That request has repeatedly been denied. Initially on XX/XX/XXXX I was told that they wanted me to supply proof that the funds had cleared the sending bank account. I resisted the request, explained that my rights to access the funds under Title 12 and Reg CC were being infringed upon, and the associate agreed with me saying that the account would be unlocked. He went on further to say that if for some reason the account was locked again I simply needed to say his name or provide his employee badge id to have it unlocked. Since then my account has been locked again and they have added to the documentation requirements. On XX/XX/XXXX I expressed concern to a supervisor that none of this made sense and I was concerned that I was being racially profiled by someone with access to the backend of PenFed 's system that was terrorizing my life by infringing on my rights under Title 12 and Regulation CC. The supervisor was immediately dismissive of my concern and went on to defend himself, as if I had said he was the individual racially profiling me. In the morning of XX/XX/XXXX I emailed a Unit Manager expressing the same concerns of Title 12 and Reg CC, along with the XXXX profiling. That email has not been replied to. On XX/XX/XXXX I had a conversation with another manager who insisted the additional documentation was required. My reply to him was that I have repeatedly asked for an official communication that is compliant with Title 12 and Regulation CC regarding my access to funds in my account. He said it was a reasonable request but it has not been received. Also of concern, during that phone call the manager made a statement that PenFed captures and retains demographic information regarding their customers which only compounds my concern of XXXX profiling by someone with access to the backend of their system. In a separate conversation with another manager I read the language of the law in Title 12 and specifically asked if my request for an official communication that is compliant with Title 12 for funds availability was being denied ; rather than take the concern and request seriously the manager 's unprofessional response was to say that I was good at reading the script.
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| 08/10/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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PenFed ( Pentagon Federal Credit Union ) Did not depict a clear answer in the last request that I sent. PenFed did not provide a resolution, instead clearly ignoring the solution. They did not provide a response to the banking error that was caused by PENFED. That they confirmed was a banking error and later charged to me the consumer. PenFed did not try to rectify the situation instead PenFed stated I need to immediately " Call them '' To pay the balance of the share they charged off due to the banking error. PenFed Closed my Line of credit after the banking error occurred. I originally tried to transfer from my Line of Credit, thinking that I transferred from that and that's where the fund transfers came from. I transferred the money to my external bank account. However Penfed later 2 month 's later deducted those funds advising me in the email attached that this was a banking error and that I now need to pay for their mistake. That I chose to withdrawal the funds before they could correct their system error. PenFed caused a loss to my savings account of {$230.00} PenFed Closed the Line of Credit and Credit card AFTER they charged off the savings account. I did not receive a call from PenFed and in their last response the manager states that I closed the Line of Credit. This is FALSE. I did close the credit card, but I did not close the line of credit. Their DCC Loss department CLOSED THE LINE OF CREDIT, because they stated I caused PenFED A LOSS WITH THE BANKING ERROR. I do not feel this has been rectified and I feel PenFed is simply copying the statement 's I attached in the previous message and reattaching them. A Consumer that is a victim of a banking error should not be held responsible for a banking error. PenFed admitted that it was caused by a Banking error, but PenFed is attempting to Hold me responsible for their error. I do not accept responsibility for something I was not aware of. PenFed continues to state the Share was charged off because of this banking error. I believe PenFed should be held responsible and rectify the situation instead of throwing blame on a consumer. I did not accidentally transfer funds, PenFed did. Yes I transferred the funds out only after contacting member service to make sure that these were from my Line of Credit and they confirmed. This later became false XXXX month 's later but I was not notified again. I am a member and I do not feel like I am at fault here. PenFed is not doing anything to research the error, and I feel like this is consumer abuse. I am requesting further information and additional research as stated previously see attached.
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| 10/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
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On XX/XX/2018 I spent a night at XXXX XXXX XXXX XXXX XXXX and I went to an ATM to make a small cash advance. The machine did not dispense money and I promptly contacted security in the casino and never left the ATM. When security responded I explained that the machine did not dispense money and she told me that I had to call my bank.. Having not moved from the ATM I called Pentagon Federal Credit Union to report my problem. I stood there approximately 20 minutes while they took all pertinent information. After a long wait the representative told me it would be taken care of. I went to a different ATM and took two small cash advances which went through without a hitch. When I came home I noticed that Pentagon Federal Credit Union had the disputed amount in a pending file on my credit card account. After 3 days they simply added it to my total credit car balance, knowing I did not receive the advance. I called PFCU twice and spoke to representatives who assured me they would handle this issue.
Nothing changed. On XX/XX/2018 I called PFCU yet again and this time I asked the agent to allow me to speak to a supervisor since the agents were doing nothing more than making assurances they could not keep or perhaps lying might be a better term. The supervisor said he would look into my issue and call me back no later than Tuesday XX/XX/XXXX. Needless to say no call came and I am still stuck with no resolution. Every ATM has a camera and on top of that I was in a casino hotel where you are under surveillance every second unless you are in your hotel room or the bathroom so they know full well that the machine never dispensed money and it relatively simple to verify if they made the effort. Moreover the Cas advance fee and dollar amount should not have immediately been posted to my account without PFCU even bothering to check. I have just submitted forms to discontinue any direct deposits to PFCU since they simply can not be trusted. In addition I intend to pay off my PFCU Visa with the exception of the disputed amount and I will close the account, however I will never pay the amount I did not receive. I would rather face this in court out of principal.. I hope that you are able to get a satisfactory answer and explanation as to why. By all means share this information with others. In my view these people can no longer be trusted. I am stuck with PFCU for my mortgage loan but as long as I live I will never trust them again. I need a financial institution that has integrity and is responsive and can give me straight answers. Pentagon Federal Credit Union is not one of those institutions
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| 10/01/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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We applied for a conventional 15-year fixed-rate mortgage with PenFed on XX/XX/2021. The initial application and lock process was great, and we waited for underwriting.
On XX/XX/2021 we were asked if we had an attorney for closing. We did not and advised PenFed as such. Based on prior experiences as well as the loan estimate, we anticipated closing with a notary public for the quoted cost in the loan estimate. On XX/XX/2021 PenFed advised that Connecticut is an " attorney state '' and the services of an attorney would be required. We also learned that there was no estimated cost for this service in our loan estimate.
We contacted an attorney who quoted a cost for closing services of {$750.00}. PenFed made no attempt to estimate this cost in the loan estimate. This, despite knowing an attorney would be required for our closing. Absent any other explanation, it would appear a mandatory cost of closing was purposefully excluded from the loan estimate to make PenFed appear more competitive. We had chosen to lock and proceed with PenFed based on this loan estimate as it appeared to be the lowest cost when compared with other lenders.
On XX/XX/2021 we requested a revised loan estimate to include the mandatory cost of an attorney-provided closing, a lender credit from PenFed to cover the cost of attorney services, as well as credit for the {$75.00} in fees PenFed incurred with our current lender by requesting three separate expedited pay off quotes. Our current lender advised that the request for expedited pay off quotes is rare, and despite multiple requests, PenFed has not explained why they needed to do this three separate times. PenFed declined to provide a revised loan estimate, nor did it agree to any lender credits.
We understand that PenFed may be legally obligated to cover the omitted costs under TRID rules. However, rather than pursuing that with a lender whom we had lost trust, and after learning that PenFed were not in fact the lowest cost lender, we decided to pursue a loan with a different lender.
We are left with {$75.00} in fees which we did not authorize, the soft cost of inquiries to our credit ( PenFed took so long in underwriting that we had to take another credit hit with the new lender ), and weeks of wasted time.
We had hoped that upon advising PenFed of their error, PenFed would do the correct thing. They did not. Future applicants should be aware that PenFed does not provide a good faith estimate of closing costs, will request multiple expedited pay off requests without explanation and is not interested in hearing about issues.
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| 09/01/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Penfed credit union is false reporting to my credit reports XXXX, XXXX and XXXX that I am delinquent and is reporting false amounts that I did not owed. they are putting on my balance each missed month payment plus late fees charges to my visa credit card XXXX, XXXX for the months under declared disaster XXXX COVID 19 ( XXXX XXXX TO XX/XX/XXXX ), XXXX ( XX/XX/XXXX TO XX/XX/XXXX ) and natural disasters and personal situation CAR ACCIDENT WITH PROPERTY LOSS DUE TO NATURAL DISASTER DISRUPTION XXXX AND XXXX. ( XXXX XXXX ). ALSO IN XX/XX/XXXX they closed my XXXX XXXX credit card XXXX without my concern, without my authorization and without previous notification and transferred the credit card balance to new visa credit card XXXX, after I used my XXXX during a trip to XXXX and because I make an claim for not service received and change location for my own safety. They continuously makes calls, sent emails, sent letters and denied me a consolidation loan for my credit cards because they said the accounts will be closed, and I applied XX/XX/XXXX because they are charging if i have a loan of {$20000.00} instead of {$10000.00} in monthly payments where I am paying the double amount for credit cards. But was not the real reason they want to let the accounts open to charged monthly payments and late fees over the credit limit and damaged my credit report, they also threatened me that my credit report will be impacted and I was not employed with FEMA and XXXX XXXX XXXX XXXX last year because the credit report, where under CARES act they banking institution and credit union institution supposed to not report that, neither told me that I am delinquent and with inaccurate delinquent amount. They closed the accounts recently when threatened me to send the accounts to debt collection agency by letter, and I can't used it since XX/XX/XXXX, they did not allowed any more charges over the credit limit of {$5000.00}. And they denied me a car accident loss property replacement transportation auto loan against my rights to continued with a replacement transportation after my property loss in the car accident, that was not my fault, it was an attempt to my life, where the truck is completed stop in the expressway very early morning at XXXX and there no illumination in the road. They obligated me to submit a hardship application and they took the money of my account without my concern and without authorization last XX/XX/XXXX, and they tried to take the third stimulus amount received to cover credit cards missed payments under Covid19 disaster XXXX in a predatory action against me.
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| 02/13/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have been a member of PenFed since XXXX. In XXXX, I began receiving a number of calls from an unknown number advising me that there may be fraud on my account. I would contact PenFed because there was no identifying information on the phone ( possible spoofing ) and they would transfer me to the Fraud company. In XXXX, the calls became more frequent and culminated this week with NO access to my funds on XX/XX/XXXX, XXXX and XXXX.
On XX/XX/XXXX ( or the XXXX ), I complained to PenFed telephonically and via email that routine transactions ( ATM withdrawals ) are being denied and I am fielding more and more calls from the " fraud unit ''. PenFed and I together called the fraud department and I inquired about the frequency of the calls and could they annotate the account to indicate certain activity was permissible. The fraud employee stated " no '' and towards the end of the call, she became very snarky which I complained of the fact that they could not annotate " safe transactions ''.
I continued to call PenFed about these numerous " security holds '' on my account on XX/XX/XXXX was assured that notes were placed on my file. I was blocked from escalating the matter by XXXX on XX/XX/XXXX as he informed me that I have to adhere " the to policies set forth when I opened the account ''. I replied the only " policy '' I'm aware of are certain limitations. He refused to escalate my call. I emailed the chairman of PenFed and filed a complaint with XXXX.
I am requesting appropriate action and response to the following concerns : 1. What authority does the 3rd party vendor have to continually place 'holds '' on access to my funds?
2. The 3rd party vendor is very happy to review the details of your account. What data is being provided to them?
3. What level of security is in place to protect me and my PII from the 3rd party vendor? The vendor knows where I work and all my PII. I don't trust the actions of the 3rd party vendor.
4. Why has my card access denied and why?
5. Who determined I am a potential risk for fraud?
6. Why is my account constantly being flagged?
7. Who is in charge of the 3rd party vendor? It appears they have more clout than PenFed.
8. Why are my transactions being mounted by the 3rd party vendor?
9. What policies are in place to ensure the 3rd party vendor does not overstep their authority?
10. Does the 3rd party vendor share our personal data?
11. Is this increased scrutiny resulting from the complaint reprisal for complaining about their staffers remark on XX/XX/XXXX.
10. How do I restrict the data that is being provided to
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| 04/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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In XX/XX/XXXX, I chose to do 4 balance transfers to my Pentagon Federal ( credit union ) credit card in the amount of {$4800.00}. In XX/XX/XXXX, I chose to do another balance transfer in the amount of {$8700.00}. All of the promotions included 0 % interest for 15 months. Following is a breakdown : XX/XX/XXXX - {$820.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$1900.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$1300.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$720.00} ( 15 month 0 % interest promo/ expires XX/XX/XXXX ) XX/XX/XXXX - {$8700.00} ( 15 month 0 % interest/ expires XX/XX/XXXX ) My complaint is regarding unfair credit practices. I have had numerous conversations with Pentagon Federal about my intention to pay off the 4 balance transfers that expire on XX/XX/XXXX. However, due to their system limitations, the payment allocation is equal amongst all 5 balance transfers and there is no way to adjust the payment allocation to ensure that the balance transfers which expire first are paid off without accruing interest. I have discussed this issue with Pentagon Federal on multiple occasions and they have provided no solution. Furthermore, because the balance transfer which expires on XX/XX/XXXX has the largest balance, the majority of every payment I make goes towards that balance transfer. This makes it impossible to manage the first balance transfers to ensure that I pay off these balances before accruing interest. Following is an example of how my recent payment was allocated : {$500.00} payment was applied in XX/XX/XXXX as follows : Balance {$470.00} - {$21.00} payment applied Balance {$1100.00} - {$51.00} payment applied Balance {$770.00} - {$35.00} payment applied Balance {$410.00} - {$19.00} payment applied Balance {$8100.00} - {$370.00} payment applied As you can see from the above example, 75 % of my payment is going towards the balance transfer that has the largest balance. With only 25 % of my payment going towards the 4 balance transfers that expire first in XXXX, there is no way to effectively manage these promo plans without hitting the expiration date and acquiring interest. Although the current balance for the 4 balance transfers is {$2700.00}, even if I make a {$5000.00} payment, there will still be a {$1200.00} total balance for the 4 balance transfers. This is an unfair practice that harms the consumer. With all other credit cards I have had, I have been able to determine the payment allocation to effectively manage the promo plans to meet my needs.
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| 09/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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On XX/XX/XXXX, a gentleman named XXXX XXXX called. He told me he had a program that could show me how to pay off my Mortgage between 5-7 years. It sounded convincing at the time, and I told him I needed more information ; he said that I needed to pay for the program and then they would send me a XXXX link to explain the program. I paid for the program on XX/XX/XXXX, and received the link to the XXXX meeting.
After I listened to the information from the XXXX meeting, I realized they wanted to Apply to a bank of their choice to pay high interest on the loan and add my paycheck to the program, and I was concerned.
I sent a cancelation email on Wed, XX/XX/XXXX, at XXXXXXXX XXXX. I explained to them that I was going through a XXXX and had a court date on XX/XX/XXXX. I didnt want to continue with the program, and my credit score was not great ; plus, I Dont know if the court is not going to ask me to sell the house.
The answer was that they would postpone the transaction till my court date on XX/XX/XXXX, and I could transfer the program to another home. I told them I was not going to buy another house anytime soon, and again, I asked them to go back to the original email that I sent on Wed, XX/XX/XXXX, at XXXXXXXX XXXX, XXXX, of cancellation ; I want the refund back on my credit card.
Since then, I have been going back-in-Fort to get the refund back. I submitted a complaint to Pen fed the credit card on XX/XX/XXXX, to let them know I never used the program or received anything to download from Accelerate Banking ; I canceled the transaction, and they refused to apply the refund to my credit card, I received two XXXX calls once after XX/XX/XXXX, which withdrew on Wed, XX/XX/XXXX, at XXXX XXXX
Another one after XX/XX/XXXX, because they postponed the transaction, which I was unaware of ; again, I asked them to return to my original email on Wed, XX/XX/XXXX, at XXXX XXXX.
As of XX/XX/XXXX, the XXXX is still trying to get me through the process, which I have never purchased since I canceled on XX/XX/XXXX. They charged me {$3900.00} for XXXX XXXX calls to explain the funny strategy to scam me out of my money. One XXXX call was on XX/XX/XXXX, and the other was after XX/XX/XXXX, which I considered because I wanted my accounting adviser to hear what they were trying to sell me. They postponed it until my XXXX court date but canceled it on XX/XX/XXXX. I never told them I wanted to proceed, especially when they stated that I had to put my paycheck into the process and then apply with several banks of their choice to pay high interest on my salary.
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| 10/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened an account with Pentagon Federal Credit Union on XX/XX/22. Prior to opening this online account, I submitted all of the requested information to verify my identity and establish worthiness of being issued an account.
Since opening the account I have made a total or XXXX accounts ( unable to access account for reasons to be disclosed later ). On XX/XX/22, I made a mobile deposit of a check written from a reputable business/ my Attorney 's office and received the usual notification that there may be a usual and customary delay before gaining access to the funds. After that deposit, I attempted to take care of monthly financial obligations for which the account already had funds available. On XX/XX/22 I received notification from my mortgage company that there was an issue with my XXXX monthly payment. When I logged onto the mortgage company website for further details I was then informed that my account was blocked.
Supposedly my account was blocked by PenFed on XX/XX/22 yet this institution has made no attempt to notify me. They have my phone number, email address as well as mailing address yet my first notification that there was an issue with my account came from my mortgage company. This is yet another example of the incompetency and discriminatory behavior of this company and its employees.
I attempted to access my PenFed account and received a pop-up message that my account was blocked and contact information was provided for additional information. I contacted the phone number provided and was told that there was suspected fraudulent activity on my account ( what exact fraudulent activity is unknown to me and PenFed refusing to elaborate any further ) and as a result my account is blocked. I am now required to submit additional documentation to verify my identity ( once again for reasons undisclosed to me ) and I am not only denied access to the funds that were already available in my account but also the funds for the recent mobile check deposit. This has resulted in all of my funds for paying monthly financial obligations frozen with an unknown release date. In all of my years of dealing with the banking industry, I have never had an entire account frozen due to a mobile check deposit. At the very most, access to the funds related to the mobile deposit in question would be delayed by XXXX weeks at the most. I am unfairly being discriminated against due to reasons undisclosed. This has created an unforeseen financial hardship for my family in addition to unnecessary stress and in adverse effects on my health.
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| 08/08/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Please note this is not a duplicate complaint. I want to add some more facts that I recently discovered after getting the response from Penfed where they advised me to contact the NJ Unclaimed Property Administration department. I have contacted that department numerous times and adding those facts.
Here is what they stated/advised in their response and the facts that totally contradict that.
First, they state that " The balance in the account at that time was {$5.00} and we initiated a withdrawal as unclaimed property to the state of New Jersey. '' So far even after numerous calls and complaints they have not provided any proof that they did that. This is the link for searching unclaimed funds on NJ state 's website and nothing has sowed up there so far. XXXX XXXX XXXX The phone number for the Unclaimed Property Administration department is XXXX and I have called them multiple times and they have assured me that nothing was transferred from Penfed to them. My last call with them was about an hour and the lady assured me that there is nothing from Penfed and the only way they can investigate firther is if Penfed provides some proof that they actually transferred something to satate of NJ.
Second, they state that " Our representative assisted you in reviewing the New Jersey website which indicated they did not display property under {$10.00}, and advised you to call the state of New Jersey directly for further assistance ''. This is a flat out lie as there is no such thing on this website that says that funds under {$10.00} are not displayed. I have called this department at XXXX numerous times and they have assured me that there is no such limitation. So seems like Penfed is adding to the lies to cover for the lies that they have already told.
Thirdly, they state that " You initially established membership with PenFed in XXXX and maintained a regular share account with a small balance and a credit card. '' I did not even want to open a bank account. Penfed forced me to open an account to get the credit card. I have never had any activity in that account and it stayed open for years. I logged into the website every few months so they are lying when they state that they had no contact with me. They had all my current and correct details including my phone number, email address and mailing address but made no attempt to contact me before stealing my funds. They even lied to me on the phone when they said that a letter was sent to me about my account closure. At least they are now finally admitting that they lied about that.
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| 01/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I had a 30-year mortgage with Pentagon Federal. A year ago this past spring, I decided to look at refinancing it, because of the falling interest rates. Of course I went to PenFed.
After all was said and done, I was told that the monthly payment on a 20-year mortgage would be {$680.00}. This was quite a reduction in my monthly payment, and I took it. I did have one problem after getting the mortgage, I got a notice from my insurance company that my payment was due and hadnt been made yet. I notified PenFed, and it got made ; no one said anything about you know, youre supposed to be paying the insurance yourself, or anything like that.
Everything was fine until this spring. I got a notice that my payment was being reduced to {$660.00} a month, and a refund check which I think was supposed to be a refund of excess escrow. I thought this was odd, and held the check a little while before cashing it. I should have held it longer, because I soon got another notice, this one that my payment was being raised to {$740.00} a month.
I called PenFed, and and asked what was happening. I was told that my payment was raised because of my insurance. I contacted my insurance company and was told that no, the cost of my insurance had not gone up. I called PenFed again. And thats when I found out what really happened.
When my loan payment was originally calculated, the calculation didnt include anything for insurance. ( And apparently they did this twice - when I first got my loan, and again when my payment was reduced to {$660.00}. ) I asked why, and was told that when I applied for the loan, my insurance had just been paid, and why would they charge me for something that had just been paid? ( Isn't that what escrow is for? ) The same representative who said this also said I should have been told that my payment would go up.
Calling PenFed has offered me no relief, the representatives will only tell me that my escrow account is low and I need to catch it up. So in XXXX I wrote to PenFed, at the published address for mortgage complaints, and have not received a response. They apparently calculated my loan payment without insurance Twice, but paid the insurance. This is their error, not mine, but now I'm paying {$64.00} a month more for it.
The ironic part of all this is that PenFed held the mortgage I was refinancing, so they had my insurance information when I applied for the refinance. And my insurance was in escrow on that loan because they insisted on it - previously, when another institution held my mortgage, I paid my insurance myself.
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| 07/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I would like to file a complaint against Penfed Credit Union. They are the most unethical and XXXX company that i have ever dealt with.
I decided to apply for a credit with them. After submitting my application, a loan officer called me and asked some questions regarding my business and employment. I have a translation business and I am employed full-time as a consultant. He asked me to send him 2 years of tax returns which I did. Last week same person aggressively calls me and states that my income verification is fake and he verified from 3rd sources. He was discriminating, aggressive and unprofessional. He refused to provide any details and refused to connect to supervisor claiming that he is the decision maker and highest person in the company. I called immediately the customer service and spoke with supervisor. He was very friendly and responsive and he offered me to file a complaint regarding the loan officer which i declined. He was able to find out the reason. According to their ''genius '' loan officer my employment is fraudulent as my business a sole proprietor was required to be registered with California Secretary of State and I was required to have an EIN. I explained the supervisor that both statements are incorrect and he told me that i should reconsider the decision and send a letter to them. I sent a detailed explanation letter attaching more supportive documents regarding my income. The next day I called and was informed that they received the email. on XX/XX/2018 I received the letter stating that my application was declined due to same reason. I called and I was connected to some aggressive and unprofessional representative who declined to connect me to supervisor and provide any reason. After spending 40 minutes with them a representative XXXX told me that my tax documents are fake!!!!!!!!!!!!!! I requested him to clarify how were they able to determine that, did they contacted IRS? He said no! I requested him to send me in a written form that penfed determined that my tax documents are fake he refused to do so. He stated that i could never apply with penfed and he confirmed that they did nothing to verify genuineness of my documents. So basing on their assumption Penfed employees insult, discriminate, harm your credit and call you liar. This is the most unethical company in the world. I provided them with written explanation, I was eager to provide more documents to support my application and i even contacted state and Irs to confirm that my arguments were correct but these people refused to help me.
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| 11/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX, XX/XX/XXXX, I learned that Pentagon Federal Credit Union had reported Three ( 3 ) 30 Day delinqu3nt status notes on our account this year -- in XXXX, XXXX, and XX/XX/XXXX. I learned this from a loan officer who was attempting to approve us for a construction loan when she revealed our actual credit scores to me and the likely reason ( these multiple [ Three ] 30 Day delinquent notes on our PenFed Account. I reached out to PenFed and spoke with a customer service associate who said the only way they could assist me would be open an investigation which would require penfed to inquire of my credit report. Though I asked directly, they could not verify over the phone if they indeed had reported our account as 30 days late for the months of XXXX, XXXX, and XXXX. They instead told me to digitally consent to a hard credit inquiry for Penfed to do the investigation. At this point, after the damage to our credit report that has resulted from 2 months of incorrect delinquent accounting, at a time when we are pursuing a construction loan for a homebuild, I, dissatisfied with their " investigation '' process and wary against additional credit inquiries at this important juncture, have been advised by my loan officer and my own best judgment to file the complaint with this bureau in hopes of achieving an effective and timely response from PenFed. Additionally, I co-own this debt with my wife, and am unsure if she needs to open her own complaint.
I have verified that we have indeed only had One ( 1 ) 30 day delinquint payment on our Penfed account this year. In XXXX, we made a payment that was 30 days delinquent due to oversight. We reached out to the Penfed CEO with a letter of good will asking for the late status to be forgiven, as we had never been 30+ Days delinquent at any point since this loan had opened in XXXX. Unfortunately, PenFed denied our request. However, We brought the account current and have kept the account current ( Every payment made before 30 day delinquent status ) since the XXXX Payment ( due XX/XX/XXXX ).
These details are noted in the billing history snapshot attached, which I took from Penfed 's website. I also have attached every bank statement that reflects each payment draft noted on the transaction history. Additionally, I have highlighted each transaction in the bank statements that corresponds to my annotation of the Penfed XXXX history.
The fair solution here is to remove the 30 day delinquent statuses for XXXX and XXXX, XXXX, as these payments were not, at any point, 30 days delinquent.
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| 10/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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PENTAGON FEDERAL CREDIT UNION reporting and attempt to collect on a debit I do not owe.
Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan.
THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors.
In this case the auto loan with Pentagon Federal Union a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do.
The only documentation they were able to provide was a Notice to Guarantor from Pentagon Federal Credit Union and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine.
To note the Notice to Guarantor from Pentagon Federal Credit Union clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit.
Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan.
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.
See attach documentation I was able to obtain which clearly supports my dispute.
If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan.
Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they Pentagon Federal Credit Union have fail to follow and adhere to.
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| 11/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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We bought solar panels through XXXX XXXX, and financed over $ XXXX through a loan bought by PenFed Credit Union ( XXXX was the solar company and XXXX was the initial lender ). We installed the XXXX solar panels in XXXX after several months of frustrating installation process, the panels were finally operational in XXXX of XXXX. We had to start paying the loan payments then. We were initially sold one type of panel and then told they couldn't get that one and were giving us a better producing panel type instead. We've had challenges ever since. it started with a leak in a our roof caused by them putting a nail hole in the roof during installation and not covering it. it leaked through and caused damage to our ceiling as well. XXXX was terrible to get help and we had to try to work through our sales person XXXX. XXXX finally came, admitted the problem the roof and said they would send someone to fix ceiling, then wrote a report stating it was was caused by us and not them to get out of fixing ceiling. Customer Serv refused to help us and we had to again work sales person for months. Then in XXXX XXXXXXXX we started getting large electic bills, and called both customer service and our Sales Person and got no help for months. We kept gettting larger bills and finally got someone to respond to us in XXXX, but no one could come service until XX/XX/XXXX. Unbelievable!. So another month went by. When the Service came finally, 29 inverters of 34 panels had never worked. He supposedly fixed them all and we can see ( from the app that tracks working panels ) that they are still not working today. Plus we are out months of electric bill money we had to pay on top of our $ XXXX loan for this piece of XXXX and no one will help us. we called again today and they claim they don't have the parts, after their service guy lied and said he fixed them all. We need this fixed now and we need our lost money ( {$720.00} ) for electricity for all of the lost solar, which was promised in the contract. No one will respond to us. We've had to continue paying our loan payments for a product that has never worked for which PenFed financed. We are not getting any help from the company and can not cancel the loan or stop paying it to avoid having credit issues. This is predatory. The lender is doing business with a company who is selling non-working products to the public and then we are stuck paying the credit to avoid having our credit impacted. And we then still have electric bills, have had our house damaged, and no reimbursement at all!
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| 02/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I reviewed my credit report and noticed a {$41000.00} charge of from Pentagon Federal Credit Union. I immediately disputed this account with each Credit Bureaus and Pentagon. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with Pentagon due to being approved for a Car Loan through Dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by Pentagon Credit Union and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to Pentagon Federal Credit Union. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way Pentagon was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/2018 which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT!
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the Pentagon, XXXX , and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although Pentagon responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )
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| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have an issue with PENFED Credit Union. This issue has been going on for over a year and I am getting the run around. Initially, I was alerted through XXXX XXXX of a charge by PENFED for {$10000.00} that I did not recognize. Then on XX/XX/XXXX, I received a call from PENFED Collections. XXXX, from PENFED, said that they were wanting to collect on an account that supposedly I had co-signed for. She asked if I knew a XXXX XXXX and if I was related. I know of no such person and I never co-signed for anyone. Then she gave me their Fraud Department number of XXXX. I let XXXX know the I have reported Fraud to PENFED, XXXX and the Police Department of the city of XXXX.
On XX/XX/XXXX, I spoke to XXXX at PENFEDs Fraud department asking for the status on the case. He was of no help.
On XX/XX/XXXX, I spoke to XXXX at PENFEDs Fraud department. She said that she was going to relay a message to XXXX XXXX, the Fraud investigator and ask him to call me. He never did.
On XX/XX/XXXX, spoke to XXXX in the Fraud department. All she did was give me a PENFED Fraud department address of XXXX XXXX XXXX, XXXX, NE. I mailed at their request the affidavit of FRAUD and Forgery form ( XXXX ). I also attached the XXXX Police Report Form. Per their request, a copy of my photo for identification purposes. We I have not heard from them.
On XX/XX/XXXX, I called the Fraud Department ( XXXX ) XXXX ext. XXXX. I spoke to XXXX. He put me on hold and reached out to another Fraud Department processor. Being that the next step is to correct the issue. I never received a letter of Fraud Corrections from PENFED. All that was re-sent were the same forms of the Affidavit of Fraud and Forgery to fill out. It had already been mailed to them on XX/XX/XXXX.
On XX/XX/XXXX, I called and spoke to XXXX. She said she will escalate this matter in the Fraud Department for her Manager to resolve. XXXX said she noted that this issue has been going on for over 1 year and should have been resolved.
To this date I have not heard from them through mail or via phone call. It appears that PENFED has bad communications within their own work departments. I am totally being ignored due to their negligence. I dont understand how PENFED approved a loan without confirmation from the supposedly borrower.
PENFED is not forthcoming with how the loan was created. Whether it was an on-line approval or at a credit union facility. This has affected my credit ratings negatively. I was once rated over XXXX and now I slightly above XXXX due to this issue.
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| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
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I have hard credit inquiries that I reported to the credit bureau XXXX phone number XXXX I told them it was fraud and they can not remove it unless I have a report the the inquiries that are fraudulent and this report is XXXX XXXX XX/XX/XXXX the next one is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX the inquiry happen on XXXX again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX The inquiry was on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX, FL XXXX and the date is XX/XX/XXXX The next report is XXXX The inquiry is XXXX XXXX XXXX and it was its XXXX XXXX XXXX, XXXX, TX XXXX their phone number is XXXX and this inquiry happen on XX/XX/XXXX The next inquiry is XXXX the address XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX and the phone number is XXXX and this inquiry was on XX/XX/XXXX The next inquiry is Pentagon Federal credit Union address XXXX XXXX XXXX XXXX XXXX VA XXXX telephone number XXXX the inquiry was XX/XX/XXXX The next inquiry is XXXX Call the address is XXXX XXXX XXXX, XXXX DE XXXX the phone number XXXX XXXX and the inquiry was XX/XX/XXXX The nest inquiry is XXXX XXXX XXXX XXXX XXXX probably means Florida address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX phone number available inquiry XX/XX/XXXX Next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX no phone number available inquiry happen on XX/XX/XXXX And XXXX XXXX credit report the following inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX phone number XXXX the inquiry happened on XXXX/XXXX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX phone number XXXX the inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX phone number XXXX Inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX phone number XXXX inquiry have XX/XX/XXXX The last inquiry is XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX phone number XXXX and this happened on XXXX XXXX If you have any questions my name is XXXX XXXX and my phone number is XXXX My email address is XXXX My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please send me a copy of the report
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| 12/16/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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Pentagon Federal Credit Union ( PenFed ) is attempting to collect a debt that was previously included in a Bankruptcy, paid according to the plan and discharged. They filed a lien my on my property and never released the lien which is preventing me from refinancing my home. PenFed told me that I owe them money and that the loan was a 'charge-off. ' They will not release the loan until I pay them.
The bankruptcy was case XXXX discharged on XX/XX/XXXX. In XXXX of XXXX I took a loan from PenFed in the amount of {$60000.00} as a home line of equity. The court order the strip of the second lien and the claim allowed ( per the included Trustees final report included in this letter ) was {$55000.00}. It was paid and discharged. I have applied for a home refinance of my current mortgage. The title company told me that PenFed did not file a Certificate of Completion with the county to get this loan/lean released off of my property so that I can refinance. I contacted PenFed on XX/XX/XXXX and spoke to a XXXX, a XXXX XXXX, and was told that the loan was a charge off and that I owed a debt and needed to pay it. I informed them that the loan had been included and discharged by the Court. I sent them the discharge notification, the order to strip the second loan, the discharge notification and even the trustees final report and account! PenFed is not removing the lien until it collects the discharged debt. PenFed also told me that I currently owe them money for a vehicle loan ( I eventually got the title and the vehicle has been sold years ago ). PenFed is labeling the discharged debts as charge-offs. I previously had to file a complaint with the CFPB to get this resolved. If PenFed does not remove the lean on my home, I can not refinance my home. I will lose my locked in interest rate ( 3.34 % ). The refinance would save me approximately {$800.00} per month.
PenFeds XXXX XXXX told me that only a XXXX XXXX could handle my case. No supervisor was available to speak with me. XXXX XXXX was the person who would not correct the prior attempts to collect discharged debt previously. PenFed will not allow me to speak to Mr. XXXX. His email is XXXX and the collections main phone number is XXXX lease assist in this matter as soon as possible. I have attached the following : 1 ) Trustee final report and account, 2 ) Discharge Notification, 3 ) order to strip second lien, 4 ) Deed of Trust recording the PenFed loan with the XXXX County Court, and 5 ) email to PenFed and XXXX XXXX of PenFed.
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| 07/31/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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Bank PEDFED closed the account of my deceased father to which I'm stated as the Beneficiary. I've talked to 3 different agents, 1 in person, and 2 over the phone. 2 of them tell me that the account was closed by my stepmother and funds were withdrawn on XX/XX/XXXX. In XXXX of XXXX, I went to a branch to let them know that my father had passed, and he had me named as a beneficiary on the account but was told that I was NOT named on the account and that my stepmother had already notified them and if I wanted to know more about the account I'd have to go through probate.
Probate was completed this year and I'd gotten access to some of my father 's property, in that property was an old bank statement that showed me as the beneficiary of the account. on XX/XX/XXXX I took that statement to the local branch ( XXXX XXXX, TX ), and talked to an agent who escalated to her boss XXXX XXXX. Both of these PENFED employees said that the money was withdrawn on XX/XX/XXXX by my stepmother. XXXX XXXX stated that she should not have been able to withdraw the money because she was not on the account. I've asked how this was possible when she was not listed on the account and I was listed as the Beneficiary. I know that she shouldn't have been able to remove funds because I tried at 2 other banks XXXX XXXX, and XXXX XXXX XXXX. XXXX said that he would send all the information to the estates department and I should hear from them. At that time he took copies of the death certificate and my letter of Testamentary, which he said that he'd send to the estate department.
I called PENFED 's customer service line on XX/XX/XXXX because I hadn't heard from anyone. I was again told that I needed to send them a copy of the letter of testament because I was not on the account. I had to point out that yes, I was named beneficiary on the account. The agent was able to figure that out and we reviewed the account. He too told me that the funds were withdrawn on XX/XX/XXXX but he wanted to do some research into how they were withdrawn and asked me to call back in a day or 2.
I called back on XX/XX/XXXX and was again told that I needed to send in a letter of testament bt an agent named XXXX XXXX and she wouldn't be able to talk to me until the next day. I hung up and then realized that I was a named beneficiary so I called back and told my story to a new agent who transferred me to a supervisor who then told me that all the funds in this account were used to pay my father 's outstanding debts.
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| 01/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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Prior to purchasing a new truck in XX/XX/2018, XXXX XXXX, did NOT borrow money from Pentagon Federal Credit Union ( PenFed ). Instead he took out a loan with a different credit union.
On XX/XX/XXXX ( and again on XX/XX/XXXX ), PenFed requested evidence of insurance coverage for the vehicle.
On XX/XX/XXXX, Mr. XXXX, an active member of the military, died suddenly.
On XX/XX/XXXX, XX/XX/XXXX ( and again on XX/XX/XXXX ), PenFed demanded proof that it was lienholder, threatening that failure to provide this information would result in a loan recalculation.
Mr. XXXX 's surviving spouse ( and daughter who had power of attorney for her mother ) telephoned PenFed but PenFed refused to speak with either of them as they were not the borrower on file.
On XX/XX/XXXX, Mrs. XXXX sent a copy of the death certificate by mail with a letter requesting proof of a loan because her records showed that there was none.
On XX/XX/XXXX ( and again on XX/XX/XXXX ) PenFed sent an empty message of sympathy accompanied by a demand for the balance of the loan in the amount of {$26000.00}.
Only after asking her personal attorney to call, was PenFed willing talk about the barrage of demand letters on a non-existent loan. On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX, said that the loan was canceled the day before onXXXX, because the loan was never negotiated. The substance of this phone conversation was confirmed in a XX/XX/XXXX letter by XXXX XXXX, Estate Accounts Assistant. In this letter, PenFed acknowledged receipt of the death certificate, stated that the loan check had never been negotiated and there was no longer any open loan on file. However, PenFed stated that Ms.XXXX needs to complete a membership application in order to receive the small balance of the savings account funds and get the credit card transferred into her name ( but she would owe payments on any outstanding balances. There was no information as to what if any balance was owed on the credit card ).
But the icing on the cake was sent on XXXX XXXX XX/XX/XXXX. The letter was addressed to the deceased (! ) demanding copy of the title to establish that PenFed is the lienholder on this NON EXISTENT LOAN!
In a light most favorable to PenFed, this is an administrative error of epic proportion and the lack of empathy is appalling. In a light least favorable to PenFed, this is an attempt to fraudulently extort money out of a grieving XXXX XXXX widow for money that was never borrowed from PenFed in the first place.
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| 09/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2019 a hard inquiry from XXXX XXXX appeared on my credit report. I called the company on XX/XX/2019 to ensure that no fradulent accounts had been opened in my name and to request that the inquiry that I did not authorize be removed. The individual I spoke with on the phone assured me that there would be no problem doing that and no further action would be required on my part. To this day the inquiry that I did not authorize still remains on my report. On XX/XX/2019 another inquiry appeared from Penfed. I had never heard of this institution before that time so I called to be sure that no fradulent accounts had been opened using my name. After speaking to an individual from Penfed I was informed that a fradulent account had been opened in my name with the incorrect social security number and that it would be closed immediately. I also ask to have the hard inquiry to be removed but was informed that I would need to authorize Penfed look at my credit report, creating yet another hard inquiry, in order for them to remove the original that should not be there in the first place. Several days later a welcome packet arrived in the mail from Penfed informing me of my new account. I sent an email to this institution on XX/XX/2019 to ensure that the fradulent account had been closed and to request that the hard inquiry that I did not authorize be removed from my report once again. A response was sent on the same day informing me that the account was indeed closed on the XXXX of XXXX when I placed the first phone call but I was told again that in order for them to remove the hard inquiry, that is on my report due to their mistake, I would need to authorize them to run my report or I could pull and submit a full copy of my credit report with the errors highlighted. I responded to this email on XX/XX/2019 inquiring as to why I should authorize something that seems so counterintuitive or mail such sensitive information to a company who has allowed a fradulent account to be opened so easily. As of this moment, I have yet to receive a respone to this email. I understand that hard inquiries stay on my report for a period of time before being removed, however, I feel that these extra hard inquires have brought my credit down and hurt my chances at getting a business and/or home loan in the near future. I also feel that, regardless of how long hard inquires stay on my report or who they are shared with, they should be removed immediately since they were not authorized.
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| 05/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I applied for a debt consolidation loan online through penfed.org. Once I seen that it was approved I was not happy with the interest rate so I didnt accept the loan. I noticed online it was listed as an open account under my accounts. I called and spoke with someone and was told that it was there for applying but since I didnt accept it the loan would eventually not show up. A about a week later I received a check in the mail for the amount of the loan I applied for ( {$18000.00} ). If cashed it would be accepting the loan terms given so I shredded the check. Today ( XX/XX/19 ) I received an email stating my loan payment was past due. I called the number attached in the email and spoke with a lady stating that if I got the check then I am responsible for the payment. I then asked how you can expect payments from me for a loan that I never accepted nor had access to the funds. She placed me on hold and when she got back on she stated she put in a request to have the loan cancelled and to call her back on Friday to make sure. At this point I as I am aggravated that she is expecting me to call back to follow up to make sure she does her job. I asked her if that is normally how they do business, she says I dont know I am just in collections. At this point I am searching for the Penfed location near me but only come up with a XXXX number. I decided to call that number to discuss what has happened. The gentleman on the phone was very rude and unwilling to help me. Stated that there was nothing he could do for if I didnt give him my social. All I was asking was their procedures. Then I asked how to file a complaint and he states online. I said ok online and then what? On our website under help and it will take you to a form. I hung up and was growing even more irritated. I finally found the number for the XXXX location and called to speak with a Manager there. She was really apologetic but doesnt take away from the fact that they underwrote a loan that I didnt accept. She stated that is how they do it not wanting to make the customer wait to receive their check for their loan and upset the customer. I asked who they reported to since they are a credit union. She told me her vice president and I then asked federally. She told me NCUA and I started there for my complaint. I want this to be known how they are conducting business and also want this off my credit report as a delinquency. How can they continue to be in business if this is how they treat their members.
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| 02/25/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
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Web |
Servicemember |
|
I am writing to request assistance in handling an important matter with Pentagon Federal Credit Union ( PFCU ) .In 2010, I received I received a letter that I had maxed out on a line of credit with this financial institution. This was the first I had heard of any sort of line of credit with PFCU. I mad inquiries to discover that there was in fact a loan that listed jointly in my name and my ex-wife 's name. I had no knowledge of such loan. When I asked for loan documents where I surely would have been required to sign, I was told that the loan was overdraft protection linked to my checking account. I then asked for documentation to indicate that I had requested such overdraft protection. Thus far, I have received a promissory note with no signature and documents for the checking account with no indication that a line of credit was attached. I asked that the line of credit be closed immediately.
When I pointed this out to PFCU, I was told that notices were sent out whenever the line of credit was used. I requested copies of these " notices '' but that request was not fulfilled and I never saw these notices.
After making several payments on the loan when I was still married, I discovered that the balance was much the same as it was when it was maxed out. I called to inquire and was told that the line of credit was never closed. I again requested that it be closed. Months later, I experienced the exact same issue.
How is one supposed to protect thier money and financial interests with PFCU when such a loan existed without signature? The continued response I received was, " you 're liable and payments must still be continue to be made. '' Futher, I have paid of XXXX vehicles with PFCU and they are holding the titles of those cars against this loan that is completely isolated. I am arguing to be removed from this line of credit as PFCU has misused my membership.
1. ) I never signed for this loan and the signature block of the promissory note is PFCU provided is blank.
2. ) There is nothing on my checking account application or check card application to indicate I had knowledge that a line of credit was linked as overdraft protection. There is a line which states " XXXX as applicable, '' however, how is any customer to know what " XXXX '' stands for and why would it matter to a customer if they know no such thing is applicable as they must have knowledge of it.
3. XXXX vehicle car titles/ are being held despite loans being satisfied over a year ago.
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| 07/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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On XX/XX/XXXX, I called Pentagon Federal Credit Union ( PenFed ) to complete a vehicle loan application that I had started online. I had started to apply for the loan through their car-buying service, XXXX, so that I could get their low interest rate of 0.99 %. My loan is for {$19000.00}. I made sure that the representative knew exactly what I was trying to do when I called. She was able to complete the loan application, and she told me that I was approved for the 0.99 % interest rate. When I received the loan check, it had an interest rate of 1.89 % on it. Since this was incorrect, I gave them a call on XXXX XXXX. Another representative took a look into it, and she then told me that she was able to make the change to the 0.99 % and that it should reflect on my account soon. I asked her if I should still use the check that I received, even though it had the wrong interest rate. She told me to go ahead and use it. So, I provided the check to the dealership on XXXX XXXX. I waited 2 weeks for the interest rate to change on my account, and it didn't. So, I called PenFed again today, on XXXX XXXX. I explained everything to another representative. After he looked into it, he told me that I actually already had the discounted rate, and that rate was 1.89 %. He explained that I was originally approved for 2.89 % and the discount from XXXX brought it down to 1.89 %. I asked if there was anyway for this to change, and he said no. A few hours later, I called again and explained my situation again. I said that 2 representatives had told me that I should have the 0.99 % interest rate, and both of them told me this before I had given the check to the car dealership. I did not know that I was approved for 2.89 % until XXXX XXXX. I would not have gone through with the loan if I had known the interest rate up front, but I was assured by two different people that I should have had the cheaper interest rate. PenFed is telling me that the interest rate is completely dependent on credit score, which I completely understand. I am upset about the fact that I was told twice that I should have the cheaper interest rate, only for me to find out later that this was not the case. I have looked through all of my physical documentation as well as online, and I have no record of a 2.89 % interest rate. I can only see the 1.89 % interest rate. If I had known about the interest rate up front, I would have gone with a different lender who approved me for a rate cheaper than 1.89 %.
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| 09/17/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Problem with customer service
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Web |
Servicemember |
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Hi, I have a huge problem with the information giving to me. My name is XXXX XXXX, a fully XXXX veteran of the XXXX XXXX. When I was serving an XXXX loan was taken out and due to myself being injured and unable to care for myself for quite some time, the loan defaulted. I've been contacting Penfed to satisfy the loan and reestablish my account with no further restriction afterwards. I've spoken to multiple people who told me once my past balance was taken care of all restrictions would be removed. For quite some time, all representatives haven't been able to get in touch with the person ( only person Penfed has ) who handles removing restrictions and updating the loan balance XXXX XXXX. I've been calling for a little over a month now, and the supervisor of one of the reps finally got in touch with him and he is now saying that the restrictions wouldn't be removed for me to enjoy Penfed and it's services to the fullest. Not only is the information he's just responding with completely opposite of what i've been told by everyone else, this has created quite the dilemma as professionals. Had Mr XXXX XXXX been available at all during any of this process, information could have been given out among each other accurately. The loan that we're speaking of is outside of the credit bureau reporting timeframe and did not have to be paid at all. It should not be this hard to have this taken care of in such an established organization. I am asking that this be looked into, I was told that upon satisfying this debt that I would not be penalized at all and able to use all services and products. Please allow myself to be removed from all restrictions and able to use all services and I have done what was requested but what I was assured has not been done on Penfed 's end. Also, for XXXX XXXX XXXX to be the only person handling the department he is in, he should be more readily available to handle customer 's needs. The turnaround on emails from his colleagues is crazy. I was told by the representatives of Penfed that after payment, all restrictions would be removed. If this is not true, then illegal tactics were used on me to satisfy a debt that i'm not even sure was even mines. I just wanted to be able to be with Penfed again. This loan is outside of the window for collection by law and I did not have to pay it. I did it because I was assured something that has not happened would happen. This is not good business practices and I was taken advantage of.
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| 07/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXXXXXX To Whom It May Concern, I am writing this letter to bring to your attention the failure of Pentagon Federal Credit Union ( PenFed ) to pay out on a gap insurance policy on a vehicle loan I purchased from them when obtaining that loan in XXXX 2016 for a XXXX XXXX van. This issue with PenFed has been on-gong since XXXX, 2016 without either contact from, or any attempts to resolve. In XXXX of 2016, this vehicle was vandalized while parked where I had been staying for the evening. In XXXX of 2016, the van was vandalized a second time, much more extensively, while parked at my residence, rendering it completely non-functional and inoperable. The van was taken to a salvage yard in XXXX XXXX, and a police report was filed. Shortly after, I delivered the paperwork from the salvage yard to XXXX XXXX, Senior Manager at the XXXX branch of Pentagon Federal. This was when the real problems began. I was given the phone number to PenFeds third-party insurance provider, whom I called and provided with all the relevant information. I had not been told at the time of purchase that the insurance was not offered through PenFed itself. What I have experienced since then has been a never-ending chain of deferrals, voice mails, un-returned phone calls, and threatening notices of default sent to the vehicles co-signer. I have opened a case with PenFeds third-party provider not once, but three times, each time to find out that my case information later disappeared, unable to be found, whereupon I am told my only recourse is to begin the process again. No one from PenFed has ever personally reached out to me or responded to any of my complaints, despite receiving them in writing. And again, the case files with their third-party provider keep vanishing. In short, PenFed is refusing to pay out the gap insurance policy which I purchased at the time of the loan and was led to believe I was purchasing from them. They are refusing in spite of my having provided them with ample evidence that the vehicle is totaled and inoperable due to no fault of my own. PenFeds ongoing refusal to honor the gap insurance policy which I purchased from them has caused me financial hardship. Unable to use the van, and faced with PenFeds unwillingness to pay out on the policy which they sold me, I became unable to continue working. Please take action. Sincerely, XXXX XXXX XXXX
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| 01/17/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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I closed my checking account with PenFed Credit Union & moved approximately $ 17k from savings to another institution as I wasn't happy with the fees I was being charged to use supposed free ATMs not to mention other issues. Since then, it seems I've been having issues with deposits showing as available as there is nothing to indicate they aren't, but when a withdrawal comes through it doesn't clear and I'm subsequently charged these fees. Additionally, in the past if funds were not available they simply did not allow the withdrawal to go through. Not to mention, that if I'm transferring money from another credit union for a loan payment, lo and behold that money is immediately credited. The problem I have is that when I've transferred money and look to ensure it's available it shows that it is but when the IRS for example tried to deduct payment from that account it was allowed to go through then reversed. I was then charged an overdraft/insufficient funds fee. I've never seen a " reversal '' the entire time I had my savings account which was a couple years if not longer. More recently, I transferred money between credit unions and the same thing occurred. The money showed available but when I initiated a payment I was charged a massive fee which took the bulk of what I'd deposited. I'm more than aware of what my accounts look like when a deposit is on hold or available & as I said, I'd never had an issue until I moved my savings and closed my checking. I'd contacted their leadership ( XX/XX/21 ) regarding the incident with the IRS because I was required to a fee of {$220.00} or so to reinstate my payment plan. It would have cost me a fraction of that if the IRS could deduct my payments directly but I couldn't trust that PenFed would allow the payments to go through. So I'm tasked with extra burden of mailing these payments or incurring extra fees to pay online. PenFed claimed after months of no response that they'd been unable to reach me although my contact info was current and updated. I should also mention that " coincidentally '' I'm having some difficulty receiving the title or having the title of the vehicle I'd financed with Penfed sent to the new lienholder. Lastly, I'm in the process of paying off a small loan to close this account since I have already refinanced my car loan with another credit union. However, I wanted to make my dissatisfaction taken seriously which is why I am filing this complaint with the CFPB.
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| 02/19/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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During closing it was discovered that the lender has miscalculated the transfer tax of the property that I was purchasing. A phone call was made to the title company ( at the closing table ) to get the problem resolved. The title company contacted the lender, got the new transfer tax approved and sent us the new Final Closing Disclosure which was signed and notarized at the closing table. As a result of this change the final disclosure that we were sent and I signed showed that I was supposed to receive approximately {$2100.00} back from the title company as a refund of what I had wired to them for closing. I contacted the title company later that afternoon to give them information to rewire me the funds and they indicated that they had already sent me a check in the mail for {$55.00} which was what they owed me. I was told I had to then contact the lender to find out why my refund had been so drastically reduced. After several days on the phone with several different people at the lender, most of which would never answer or call me back, I discovered that the document we signed at closing and had to be approved by the lender was not what they say they sent to the title company as the Final Closing Disclosure. The only time I got to see the Final Closing Disclosure the lender says they approved was after it was emailed to me after being on the phone with the closer from the lender for several hours and him not understand my complaint. No one else, the notary, either realtor, myself, had seen the closing disclosure the lender says they sent until the end of the day of closing when I got it emailed to me as described earlier. Neither the lender or the title company currently is helping me out or finding someone at either business who can help me out. However I believe the money that is owed to me is the difference between my wire transfer to the title company for closing and the " Cash to close '' that was listed on the Final Closing Disclosure that WE SIGNED AT CLOSING AND WAS NOTARIZED AS SUCH. The lender says the lender credit due to me had been reduced because of the reduction in the tranfer tax which is why the cash to close went up on the version they say they approved. The pictures attached show the XXXX and XXXX pages of the final closing disclosure of the XXXX the lender approved ( higher cash to close and lower lender credit ) vs. the one that we signed at closing ( lower cash to close and higher lender credit )
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| 08/22/2023 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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On XX/XX/2023, i was contacted by PenFed Credit Union to begin the process for application of a cash-out refinance. It was a follow-up from previously since my hose was still being constructed. I was told i met the " seasoning '' requirements and that PenFed did these types of loans in Texas. I also explained that the home had an estimated completion date of XX/XX/2023, at which time i would take possession and begin the move-in process. I also planned to keep my existing residence and rent out the property as i have a tenent paying rent as of XX/XX/2023 on the other part of the duplex which i live in. After working through the application process, i was offered a rate of 6.5 % fixed for 30 years and locked in the rate. I mentioned i had ordered a land survey which would take some time as well as I had planned to purchase insurance as soon as i received keys from the builder.
While applying for this loan, i also made a few applications with other lenders to get the best deal for myself, comparison shopping.
On XX/XX/2023, I asked about using my preferred title company and provided that information. Later in the day, i was notified my application was closed out since my property did not meet their loan criteria. I was told that criteria was that i was living in the home, which PenFed was aware of prior to the application and I also was required to have a XXXX exemption on file with XXXX XXXX tax assessor office.
I explained that the home was not complete and a homestead exemption is not a requirement in Texas. My loan officer asked for documentation on my behalf about the exemption and was not able to provide it to me from the underwriter. He even escalated to issue to the manager and the loan application was still closed out.
I attempted to get further explanation on XX/XX/2023 and was also met with " In this case, since you still own ( and are currently living in ) another property we can not consider the subject property primary. '' and in a followup e-mail received " For clarification, it is not necessary that you have a homestead exemption but rather that the underwriters can determine conclusively that the home is a primary residence. '' I also understand when purchasing a new home, there is a statement attesting to the fact of intending on establishing the property as my primary residence. That option was not given or asked, but the information was volunteered at the begining of the process.
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| 03/22/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
Older American |
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Our complaint is about Penfed not honoring its advertized policy of holding the loan rate unchanged, in spite of their agreeing to " lock the rate for 60 days ''.
When I ( XXXX ) made my first call to Penfed, in XXXX, I enquired about the terms and conditions for a loan rate which they had advertised. I was told that besides the usual creditworthiness etc, there were XXXX conditions. The loan should be a " conforming '' loan ( amount less than {$410000.00} ), and there should be a 20 percent down payment. In a few days I called again to finalize the amount of the loan. I mentioned that based on the on the value of our house given by XXXX ( {$580000.00} ), 20 percent down ( {$460000.00} ) would exceed the the first condition, so I was considering {$410000.00}. I then asked if, on the other hand, I were to request {$400000.00} ( which would be 30 percent down ), would that lower the loan costs? I was told that it would not. The loan rate would not change as long as the criterion of 20 percent down was met.
So, we filed an application for {$410000.00} and chose to " Lock the rate for 60 days ''. On XXXX XXXX we received an " Interest Rate Confirmation Agreement ''. More than a month later, XXXX XXXX XXXX ), my wife received a mail saying that the house appraisal had arrived and that it was adequate. However, in a few days the interest rates went up, and they sent us a new loan agreement. While this new agreement nominally had the same interest rate, the other costs had dramatically increased by about {$6000.00}. I complained, and I was told that the costs had gone up because the appraisal was too low. I pointed out that while one can raise questions about the method of appraisal, it still satisfied the 20 percent criterion, and as a matter of fact, their first reaction to the appraisal was that it was " good enough ''. As a result of my protest the loan costs were slightly reduced, but they were still far higher than the original agreement.
In a nutshell, in spite of promising a 60 day lock on the interest rate, effectively the rate was significantly increased. And in spite of a subsequent modification ( after our complaint ), it still stands quite a bit above the original agreement.
We are enclosing the following : File 1 : The original contract File 2 : Letter indicating that the appraisal was " good enough ''.
File 3 : Modified rate File 4 : Readjusted rate File 5 : Appraisal XXXX and XXXX XXXX XXXX
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| 05/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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After hearing many good things about Penfed, I decided to join around XX/XX/XXXX. I am in the process of repairing my credit, so I thought it would be a good idea to establish a relationship with a creditable credit union. Upon joining, I applied for a few of their products and I was denied. XX/XX/XXXX, I had some more updates to my credit report and score so I decided to apply for an auto loan. It was denied as well. On XX/XX/XXXX, I sent a request for a reconsideration. Knowing that Penfed uses the same credit report for 90 days, I asked that they pull a new report. I also included an explanation of the credit issues. On XX/XX/XXXX, I received a response from XXXX XXXX, a Loan Processor, acknowledging that my information was received. On XX/XX/XXXX, I also received a request from XXXX XXXX, saying that in order to process my request a freeze would need to removed from one of my credit reports. She said to fax, email, or email them the PIN for access to the credit report or let them know when it was removed. I contacted the credit bureau and paid the fee to remove the freeze. I then emailed Penfed to let them know that the freeze was removed on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX, loan processor, stating that the information had been received. On I believe XX/XX/XXXX, I logged in to see that the reconsideration was denied. Mind you that I get alerts for all score and inquiry changes, so I am aware when things update. There was no additional pull from Penfed, only the one that was pulled when I joined. I sent a message addressed to a manager on XX/XX/XXXX, asking why the new report was not used and as requested. I also inquired about credit criteria for small bill consolidation loan. I received a response from XXXX XXXX, loan analyst, indicating that my credit does not fall within their lending guideline. I fully understand that and I will continue working on my credit. What I do not understand is why they would say they would pull an updated report, had me pay to remove the freeze from the report, and they never pulled a new one or never acknowledged that they employees failed to do as requested. I have since asked them to close my account. I hoped to build a long relationship with them, but I they do not follow through with what they say they will do. I will continue rebuilding my credit and try for an auto loan again with a company a different credit union in a year or so.
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| 08/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Older American, Servicemember |
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I did a pre-qualify for a credit card and was told I did not pre-quaify.
I contacted PenFed to have them do a soft pull again, because some information had just come off of my report after the first Pre-qualify and that if they did the soft pull again then they would see that my credit was good enought to get the XXXX XXXX.
XXXX said she would do a soft pull while I was on the phone and then said I would hear from them about the Pre-qualify and see if I could apply for the card.
I hung up and when I checked my email it I had been sent an email by XXXX XXXX saying I had just had a Hard Inquiry placed on my credit report.I sent an email to XXXX telling them what happeed and they gave me a run around saying they could not help me and they kept insisting I send them documentation I told them all they had to do was a soft pull and they would see that the hard pull was on there.
I asked them to remove the hard pull.
I asked them to talk to XXXX and she would confirm that the hard pull was not supposed to be done but only a soft pull.
I asked for a copy of the recording of the conversation XXXX and I had and that if they listened to it they would know that I did not give authorization to do a hard pull.
And they said they could not help me and that they needed a copy of the credit report and on and on I wrote that I had XXXX which was protected under the Americans with Disabilities Act and that I was asking for a Reasonabe Accomidation.
I told them that gathering the documents and sending them was overwhelming me ... ..I will send you some of the emails. but here are the case # Confirmation of Support Case XXXX Case # XXXX This will comtain all the conversations in the emails.
I lost credit score points and I am very upset and this has exaserbated my mental condidion. I am Under doctors care at the V.A. for this condition and I am at my wits end. I am overwhelmed and can hardly think.
I am having a terrible time just writing this.
They just keep replying that they want the report.
Why do they need the complete credit report?
I took a screen shot of the inquiry and sent it to them and they say they need a copy of my complete credit report.
I asked that this be escalated to the supervisor and they will not let me communicate with the supervisor. By law if you ask to have it escalated they have to comply. They refuse to escalate this and keep asking me for documents and I about at my wits end.
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| 10/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I, XXXX XXXX XXXX, have never missed a payment in my life.
I got a loan from Pentagon Federal Credit Union ( pefed ) back in XX/XX/XXXX. I paid on this loan up until XXXX of XXXX.
Never missed a payment.
I made 2 payments in XXXX of XXXX, by and through my savings account with an ACH where the penfed employee used the WRONG account. I record all phone calls, just in case. Now, the ACH made on XXXX, and payments on 5 loans were made on separate loans. That transfer was not honored as the account was closed from fraud, on XXXX. I gave the employee the new account number and thought he used the correct account. It was not. So when i was informed this transfer was not made, i attempted to perform another transfer in XXXX. The supervisor i made this transfer with, called my bank to verify the account was open and contained sufficient funds. After being confirmed that all was good, i was told the funds would be available the next day. I agreed to make the transfer, but the next day the collections area renigged on the agreement. I called 5 days in a row to get the funds cleared. Penfed collections refused to honor the new agreement. I gave penfed a choice of calling my bank, with me at the branch, to clear these funds or i would block the transaction. It was 6 days after the transfer, and i needed to use the difference of the funds for other bills. Penfed said i had to wait 4 more days for them to clear the funds. I said i would cancel the transaction then. This was middle of XXXX now.
I had to go into the XXXX on the XXXX of XXXX until the end of XXXX to get XXXX XXXX removed from my back. 2 rounds of XXXX also.
While i was in the XXXX, i received NO NOTICE of any kind from penfed. On XXXX, penfed pulled the payments out of the loans, 2 months after the XXXX from XXXX came back in the savings account, not the loans where the payments were made. This is wrong and against the law. Payments in loans, no notice before they charged back plus 2 months after the fact, harmed me irreparably. When penfed acted illegally, my loan status went from current to 3 months past due. Then penfed threatened repossession less than 2 weeks after taking away my payments. Penfed also refused to communicate with me to resolve the harm they created. This is illegal how they created this situation. Penfed has also refused payments.
This needs to be corrected.
I am XXXX they harmed me worse than the XXXX i had removed.
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| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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I received a letter from PenFed credit union ; I went online and used the " customer Id '' they gave me. although I do not have this letter now, They accepted my credit app. & said I would be getting an email. my acceptance # was:XXXX.
I did receive an email requesting I provide my driver 's license, so security card, and income verification. I supplied a front & back of my DL { Texas }, and to satisfy both requirements for income verification as well as social security number I sent my XXXX form XXXX. I in turn at first received an email saying that the photographs were blurry of my driver 's license so I in turn sent a scan version off of my printer. These documents were accepted and I received a confirmation number : XXXX.
After getting no response for 2 weeks I neglected to follow up. However, checking my credit report as I always do I notice not one inquiry dated XXXX of XX/XX/XXXX, but another hard inquiry for PenFed on XX/XX/XXXX.
This upset me to no end - being a former collection manager for the XXXX XXXX XXXX XXXX in Texas ; One inquiry is acceptable ; Two inquiries within the same month, from the same " creditor '', is obviously a skip tracer looking for a debtor - which I am not!!!, and which has damaged my credit history!
I contacted PenFed and gave him my phone number which was entered into their system. The representative took their time and then came back on the phone and said hello hello but he couldn't hear me. I called back in the same thing happened again. I, therefore, check my phone system by calling friends as well as my phone company- it worked perfectly. Then I called PenFed customer service back only to be hung up on this time.
Knowing the federal law as I do, I just thought I would not stress it even further and wait for the snail mail response. Tomorrow is the deadline according to federal law and I have received nothing.
So tonight the XXXX of XX/XX/XXXX I call PenFed customer service back. At least this time I got a very nice customer service representative named XXXX. I explained the situation and she also told me there is nothing in their system regarding me!... she put me in touch with XXXX a supervisor. She was quite standoffish-a typical bill collector supervisor response.
In short : this creditor is not only damaged my credit but has refused to acknowledge my application nor has granted me or spots to my application in violation of federal law..
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| 05/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with signing the paperwork
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Web |
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I applied for an auto loan on XX/XX/2021. I spoke with the loan originator about potential interest rates. She told me the lowest possible rate for 60 month and 72 month terms. I knew I would likely be in the second credit tier but she could not tell me what my rate would likely be. I did not decide on a term at that time as a wanted to know the rate first. She told me I should get a decision on the application within 24 hours. I was first contacted four days later and was asked to provide a recent paystub. I uploaded my paystub that day. I received an email from the underwriter three days later asking for a second paystub, as they require two paystubs. Their first request did not mention two paystubs. I uploaded my second paystub. I called two days later to check on the status of the application. The employee told me they needed a second paystub. I then uploaded my second paystub again. On the thirteenth day after submitting my application, I received an email saying my application was approved, the funds were disbursed and that I will receive a loan packet in the mail. I was never asked what term I wanted and never told the interest rate nor asked if I wanted to proceed with the loan before receiving the email saying the loan was disbursed. I then called PenFed as I was curious what my interest rate and term was. The PenFed employee was nice but said she didnt have access to the interest rate information. I then asked to speak to a supervisor, hoping they may have access to the underwriter credit tier margins/rates. The employee returned to the phone after a hold and said both supervisors she spoke with said I would have to reapply to find out my interest rate at 60 months. In summation, this whole process has been appalling. A consumer should not have to jump through hoops to find out if a loan is approved. I should have been told my application was pre-approved pending income verification, etc. I should have also been asked what term I wanted and If I wanted to proceed with the loan before it was booked. If PenFed needs to review two paystubs to verify income, they should say that before they receive one paystub. PenFed should not advertise a fast and easy auto loan application process when it can take 13 days to get an application approved. When credit unions get greedy and expand their membership eligibility to anyone just to expedite their growth, it can lead to poor service like this.
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| 09/22/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
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I opened an account a few months ago and began making deposits. They were all thousands of dollars.
On XX/XX/XXXX, I attempted to XXXX funds to MY XXXX XXXX account, and was told that there was a XXXX BLOCK on my account ( that I was NEVER made aware of and would not have opened the account had I known ). They gave me the option of an ACH or wire transfer. On XX/XX/XXXX, I opted for the wire transfer and was told that the transaction was successful and should be available in XXXX hours. I checked my XXXX account 3 days later and did not see the wire funds deposited.
On XX/XX/XXXX, I attempted to log in to my XXXX account and was blocked from doing so. I then called and they advised that there was a FRAUD FLAG placed on my account and required authentication. I was LIVID because had I been made aware DAYS ago, I could have handled the verification with no problem! When asked " How are members supposed to find out that verification is required? ", the representative XXXX said " You find out how you find out, by calling in. '' The representatives were VERY condescending and passive aggressive during this process! They were arguing with me and even suggested that I get another phone line " in my name '' if their identification methods are an issue for me. Of course, I declined because that will require a 2yr contract and I don't need a 2nd phone! It was constantly implied that I was committing fraudulent activity.
At any rate, on XX/XX/XXXX, I submitted ALL of the originally required paperwork as follows : Driver 's license Selfie holding my DL SS card W-2 I was then told on XX/XX/XXXX, that the funds would be sent back to the cashapp account that was used to deposit funds. I declined and was told verbatim that " IF it's your account, why not? ", as if I have to explain to them WHY I want MY funds allocated to certain accounts!!!!
They then asked for the following : Check stub Direct deposit for from XXXX recent statement from XXXX I provided them ALL and they STILL told me that my funds would ONLY be sent to the address on file or my cashapp account.
I am UTTERLY disgusted and humiliated by this process. I have verified my account with SEVEN documents and was told today that my account will be closed because " the activity does not adhere to the policies and regulations of Penfed '', but no-one can tell me WHAT policy I violated!!!
This is a TERRIBLE way to treat your members!
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| 02/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We started our application with PenFed 60 days before closing ( XX/XX/20 ) on a new house that we were building as this was the earliest we could start with them. XXXX is who we worked with for the application and he was great. Super responsive and helpful. Then we got handed off to XXXX and everything went downhill. We received an email on XX/XX/20with the next round of documentation they needed. On XX/XX/XXXX, I emailed XXXX that we were having trouble getting access to the IRS site for some of the information that we needed and asked if there was anything we could provide in it's place. We never received a response to this email. We were able to get the documentation and uploaded it to their loan portal. A week later I gave XXXX a call and left a voicemail. Two days later I tried to call again and when there was no answer, I called the escalation contact on her email, XXXX. No answer, no call back. Next I tried a main line for customer service and ended up talking to someone that said they would email XXXX and her manager. I had already tried that. Kept calling back and eventually got someone that was helpful. XXXX must have left PenFed because XXXX had a new manager. That manager also never called me back. Eventually XXXX returned to work and notified us she had been out of the office. We couldn't get any help because one person was out of the office. Okay, at this point we have two weeks. I work for a bank, I know what you can do for a customer if you really want to. We need an appraisal and that was it. I ended up calling the appraisal company and they told me that the bank could put in a rush request for the appraisal. At this point, PenFed should have been responsible for that but we were willing to pay for it to get it done. PenFed wouldn't even put the request in. We were left scrambling to try to pay in cash, taking out 401k loans for both my husband and myself, which costs money. We have dogs and had no where to go to wait for the loan to close. This was one of the most stressful situations we have been through. No communication from PenFed. When I asked what our options were and how they could help with refinancing, no response. I filled out the surveys they sent, got a call back on one of them and told her our story. No response. As you can see in the attached, XXXX even says that it didn't help that she was out of the office. This is terrible management.
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| 07/19/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
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Web |
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It has come to my attention that PenFed never resolved the banking errors which occurred back in XXXX. On XX/XX/XXXX Credits were posted to my account. I had initially thought these were the credits I transferred from my Checking Line of Credit to my checking account. These were in the amount of {$240.00}. So I then transferred these credits to my external account. On XX/XX/XXXX PenFed Deducted all of these credits. Resulting in a negative balance. Unaware of the negative balance PenFed then later closed my Overdraft Line of Credit and Credit Card citing that I had not responded to the emails received from PenFed regarding the overdraft share. Now mind you, I never received any calls from them regarding this issue. When I sent them an email confirming that these were placed in my account in banking error then, since I had stated I transferred from Line of Credit and didn't believe this was a mistake. PenFed responded stating that the credits applied on XX/XX/XXXX were supposed to go to another account and that these were done so in error. Then they advised I transferred these credits out and I am being held responsible for the funds since they were withdrawn before the correction could be made to " The account ''. This is obviously absurd, I do not control banking errors from this institution. I do not find this to be fair and equal treatment that I am being held responsible and forced to pay for a banking error, that I had no control over. How many other account 's has this credit union done this to? They then charged off the share and say I still owe it. I believe that I do not owe a balance that I was never responsible for in the first place. Penfed confirmed from XXXX XXXX that this was a banking error via email. Which I still have a copy of. This seems like this is harm to the customer especially when I was only transferring funds I had assumed were from the line of credit. I had no idea these were done in error as these did not have any description to them. I would like for this to be rectified so that I can bring my account 's back in good standing with Penfed.
XX/XX/XXXX Funds Transfer Credit XXXX XXXX XX/XX/XXXX Funds Transfer Credit XXXX XXXX XXXX XX/XX/XXXX Funds Transfer Credit XXXX XXXX XXXX XX/XX/XXXX Ach Debit By Member XXXX XXXX Bank Transfer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ending Balance {$8.00} This is from the XXXX statement of XXXX.
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| 03/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
Older American, Servicemember |
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On XX/XX/XXXX, I received an email from the Pentagon Federal Credit Union stating that on XX/XX/XXXX, an overdraft had posted to my account. I thought this was odd because I am very diligent concerning having enough funds in my checking account to pay any checks that I write. However, I was not home at the time, and withdrew {$140.00} from my share account to pay the overdraft.
When I returned home, I logged into my accounts at the PenFed Credit Union. I discovered that there were four withdrawals from my checking account. Two for {$100.00} dollars and two for {$99.00} dollars. These transactions were fraudulent withdrawals using my debit card information. I contacted the XXXXenFed security department about these transactions that PenFed Credit Union had allowed to happen. The individual I spoke with recognized right away that the withdrawals appeared to be fraudulent and informed me that my debit card would have to be cancelled and another issued.
Because of this fraudulent transaction, the XXXX XXXX XXXX, an overdraft system was activated due to the fraudulent activity on my debit card. I called the credit union and inquired about the overdraft fee, and I wanted to know when these funds would be returned to my savings/share account. The {$390.00} was provisionally returned to me pending an investigation. However, a decision on the {$140.00} withdrawal would have to be made later pending the outcome of the investigation.
I received a notice dated XX/XX/XXXX, stating that the investigation had been completed and the disputed transactions dated XX/XX/XXXX, from XXXX for {$390.00}, and it was determined that I was not responsible. Also, the provisional credit applied during the investigation, if applicable or, the reversal of the disputed transaction amount is now permanent. However, I was still charged for the overdraft fee of {$140.00} which I do not feel I owe. The overdraft was caused by PenFed Credit Union 's negligence when they failed to ensure all transactions to my account were legitimate. The balance in my checking account for {$390.00} was there to cover my account from any overdrafts.
I am requesting that the {$140.00} which I withdrew from my share/savings account be credited back to my account. I submit that this overdraft fee was not due to any negligence caused by any action on my part, but, was due to the negligence by the PenFed Credit Union.
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| 08/15/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, a wired funds, in the amount of {$860.00}, was initiated through Pentagon Federal Credit Union to the XXXX XXXX XXXX XXXX for college tuition payment of my daughter 's housing while studying abroad. Initially, an incorrect swift code was entered but only the last digit.
Sent : Swift Bank Code : XXXX Correct Code : XXXX Although one digit was missing, it appears that this did not affect the transaction.
There have been numerous attempts to ascertain the whereabouts of these funds but a successful resolution has not occurred. The college, XXXX XXXX XXXX ( XXXX ), states that they are unable to verify the wired transfer. Pentagon Federal Credit Union ( PENFED ) has not provided adequate assistance, and the XXXX XXXX XXXX XXXX is non-responsive. I have asked PENDFED to retract my wire but believe that has not yet occurred for some reason.
This appears to be a case of international wired transfer banking fraud as no one is able to determine the whereabouts of the funds. I have exhausted numerous emails between the college and PENFED. Today, I spoke with a supervisory operations personnel from, who was unprofessional and made statements that I should just contact the XXXX bank and that if he initiated a wire retract that I may not get my money back. And, If I spoke to any one above him that I would get the same answer.
Truly, unprofessional supervisory customer service from a professional banker and I am at a loss for what to do next.
All of this has cost a significant amount of time and wasted money. as I have had to re-schedule my daughter 's flight to XXXX. Until this is resolved, she us unable to attend school in the U.S. or abroad. XXXX will not let her obtain housing without payment, PENFED is not providing helpful assistance, and the XXXX XXXX XXXX XXXX is not responsive.
My daughter is an exceptional student that recently made the Dean 's List and entering her third year of college. This has placed undue stress on our family and I am needing your unbiased assistance as I do not know what else to do. I am also in the process of drafting a formal complaint to PENFED Foundation 's Board of Directors. As a Veteran, I do not expect exceptional treatment/service but hearing the words you should just contact the XXXX bank yourself, after waiting almost two weeks for that same institutions 's help, saddens me.
Respectfully, XXXX XXXX
|
| 08/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
My chief complaint is Pentagon Federal Credit Union is in breach of contract for changing their policy on the criteria for removing Private Mortgage Insurance ( PMI ) that was explicitly agreed to at the time of closing on the loan. The Credit Union is changing the terms of the agreement for removing PMI in its favor now that I am finally eligible to remove PMI.
At closing Pentagon Federal Credit Union provided a document titled ( enclosed ) : " WHAT YOU NEED TO KNOW ABOUT OUR SERVICING OF YOUR MORTGAGE '' In this document, the following policy was stipulated for removing PMI : " PRIVATE MORTGAGE INSURANCE Private Mortgage Insurance ( PMI ) protects PenFed against the risk of loss should a mortgage loan default. PMI is required when the outstanding principal balance of the loan is greater than 80 % of the value of the property securing the loan. The homeowners Protection Act XXXX requires PenFed to provide certain disclosures and notices. The PMI Act requires PenFed to Automatically terminate PMI when the loan to value is scheduled to reach 78 % of the property 's original value, as long as the loan is current. The PMI Act also allows you the option to request PMI be cancelled when the loan value reaches 80 % provided you have a good payment history and the property value has not declined. PMI can also be cancelled after XXXX month if the loan to value reaches 80 % of the " current value. '' In order to cancel PMI based on " current value '' a new appraisal is required. The expense of the appraisal is the borrower 's responsibility. '' ADDITIONAL FACTS : On XXXX XXXX, XXXX, I purchased my primary residence with PenFed as the lender ( enclosed ).
On XXXX XXXX, XXXX, I sent an email to Pentagon Federal Credit Union to request an appraisal on my primary residence for the purposes of removing PMI from my exiting mortgage ( enclosed ).
On XXXX XXXX, XXXX, the Pen Fed representative sent a reply email, indicating a 75 % loan to value was required to remove PMI instead of the 80 % agreed to at the time of closing ( enclosed ).
My Primary Residence : Original Value = {$270000.00} ( enclosed ) Appraised Value on XXXX/XXXX/XXXX = {$330000.00} ( enclosed ) PenFed was the original lender. No refinances were done. A conventional loan was used. This was not a higher risk of default loan. I never received a new Policy from PendFed regarding changes to removing PMI.
|
| 04/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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To CFPB Re : Pentagon Federal Credit Union XX/XX/2019 I would like to express my concerns over the fact that Pentagon Federal Credit Union ( Pen Fed ) provides different level of service to customer who are are not in the position to communicate with this organization via phone as compared to the level of service they provide to other customers.
The issue is especially critical when it comes to the ability of customers to exercise their rights related to disputing unauthorized transactions on their accounts.
In XX/XX/2019 I inquired Pen Fed multiple times regarding their procedure of reporting unauthorized transactions on my credit card. After requesting clarifications from Pen Fed related to some conflicting responses I received from their customer service representatives I was informed that the procedure Pen Fed has for customers to report unauthorized charges is to call in and address this with a Member Service Representative. See Pentagon Federal Credit Union Message Center - requirement to call in to dispute unauthorized charges on the account.pdf attachment containing Pen Feds official response to my requests.
After I requested a written disclosure specifying that the customers must communicate with Pen Feds representatives via phone I received even more disappointing response informing me that Pen Fed refuses to communicate with me via written messages and specifies the reason for that as a supervisor has attempted to reach out to you in order to resolve your concerns, however they were unsuccessful in reaching you at that time. Please provide a good phone number and time, and we will do our best to attempt to reach you via phone once more. See Pentagon Federal Credit Union Message Center - refusing to assist since supervisor was not able to reach by phone.pdf attachment for Pen Feds response.
Finally, I mailed a couple of letters to Pen Feds mailing addresses disclosed on their website. Copies of them are attached as penfed dispute 2019XXXX.pdf and penfed dispute 2019XXXX.pdf. In XX/XX/2019 I asked PenFed whether they have received my letters mailed to them via USPS and PenFeds response included in the attachment Pentagon Federal Credit Union Message Center - Non receipt of postal correspondence.pdf indicated that the organization is not tracking customers mailed correspondence well or otherwise does not pay attention to the incoming mail.
|
| 06/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I have been discriminated against by Pentagon CU. There are no federal law
s that state a credit score can deny me my right to extend credit. I am in good faith exercising my rights and I the natural person have been discriminated against Pursuant to 15 US Code 1691 Scope of prohibition A ) activities constituting discrimination, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- 1 ) on the basis of race, color, religion, national origin, sex out martirial status 2 ) because all or part of the applicants income derives from any public assistance program : or 3 ) because the applicant has in good faith exercises any right under this chapter This denial is illegal according to the equal credit opportunity act, which is codified in 15 USC 1691 ( c ) & is persuant to civil liability under 15 USC 1692 ( k ) I am pursuant to 15 USC 1602 ( l ) The term credit card was used to initiate the consumer credit transaction. I am also the cardholder and the holder in due course. Pursuant to 15 USC 1602 ( n ) the credit card ( social security card/number ) was provided by me to initiatethe transaction. It is not possible to be denied with credit Ive provided. Again I am the holder and due course and pursuant to 15 USC 1681 ( a ). The term adverse action never mentions the consumer being denied credit because it is impossible to be denied credit in which I am granting your company. The right to extend credit in pursuant to 15 USC 1602 the term credit means the right granted by a creditor to a debtor to defer payments of debt or to incur debt in deferrers payments.
Pursuant to 15 USC 1611 Pentagon CU isgiving me false and inaccurate information willingly and knowingly because this information is public there is no excuse to break this law.
Credit is my right and I am the individual who regularly extends credit in the connection with loans and Pursuant to 15 USC 1602 ( g ) I am the original creditor and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary. This is a private transaction and this is an unfavorable situation to me as the consumer.I am credit worthy and this is a consumer credit transaction. By law credit worthiness is left up to assumption and by stating that I am credit worthy removes the need for assumption. I am stating this as fact.
|
| 12/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
Hi I am an XXXX ( XXXX XXXX XXXX XXXX ). Pen Fed Credit Union in Virginia sent me a XXXX check which I took advantage of. I have always paid my payments on time. I was on XXXX XXXX for approx. 3 years. Working a restricted schedule of 20 hours per week and still paid my payments. The XXXX XXXX XXXX XXXX stopped my payments for almost a year. I struggled to make my payments and was given no relief when I asked. I went in to the Pen Fed office in XXXX, PA and the personal banker was very rude to me. She told me she could not help me that I had to call the corporate which also provided no relief options. I started pre-paying my loan a month or two in advance to have a financial cushion so I didn't loose everything. it's a term Personal Line of Credit. I made multiple payments as income started to come in and even took money out of IRA 's to keep current and ahead of sched. I would pay extra when before the due date as a payment for a month in advance. My due date is the XX/XX/XXXX of each month. For example I would pay a direct payment for XXXX, then I would make an additional payment for XXXX as a regular payment not a intending it to be applied as a principal only payment. so I would be paid two months in advance for the full term payment. There was nothing in the terms and conditions of my loan payment that said I could not pay ahead of time and it was never applied to all principal till my last two payments when they accrued interest and backdated it. I have asked the personal banker and now corporate for a copy of my terms and conditions of my loan agreement. I started really making accelerated payments in XX/XX/2020 to try and get this thing paid in advance so it would give me some cushion on my paychecks so I could pay all my bills. I have done this with other institutions and never had a problem. I feel that I am being taken advantage of and it has caused undue stress and anxiety. I would like you to follow up with the personal banker in the XXXX, PA office as well as corporate. They told me my next payment if going to be over XXXX all to interest. I never heard of being penalized for for trying to stay afloat and make my payments more manageable. They would not work with my interest rate or the payment to make it more affordable. It's not like a personal loan ... ..it 's like a shark loan from a Federal Credit Union .
Thanks XXXX XXXX
|
| 06/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Closed on new home purchase for primary residence in XXXX NC in XX/XX/2021. Prior to closing, provided evidence of flood insurance coverage in amount of {$140000.00} based on existing coverage amount with XXXX on the property. Penfed made no indication of necessary flood insurance coverage amount or that any necessary changes to coverage amount. Received a letter Dated XX/XX/2021 addressed from Penfed ( it is apparent the communication came from a 3rd party contracted to handle proof of insurance - however there is no indication of this in the letter which addresses it from " Insurance Service Center '' ). Letter states records indicate the property should have at least XXXX of flood insurance coverage .... the coverage amount must be at least equal to the lesser of : 1 ) loan balance, 2 ) replacement cost value of the building, XXXX ) or maximum amount of coverage available by the XXXX ( the maximum offered is {$250000.00} by XXXX ).
The letter contains no indication of the replacement cost value of the building nor any consideration of how the appropriate amount of flood insurance was determined. Penfed contradicted the statements about determining appropriate coverage amount and defaulted to the maximum and most expensive allowable amount ( XXXX ) without any consideration or rationale.
Between week of XX/XX/XXXX and XX/XX/XXXX I've made at least 15 calls, sent 5+ emails, spent 6+ hours trying to contact representatives of penfed and/or their 3rd party insurance verification vendor to share the replacement cost estimate performed by my Flood Insurance Agent that evidences a replacement cost of {$190000.00}. Penfed and their vendor have ignored my messages, bounced me between departments, disconnected my calls, promised manager callbacks within 24-48 hours that never occurred, and totally failed to consider my question and complaint related to appropriate insurance coverage despite every attempt to communicate that the maximum allowable flood insurance has not been appropriately considered or calculated. They have threatened forced place coverage without addressing my concern which risks impacted me financially and making my mortgage unaffordable. Penfed 's system for handling calls, questions, and complaints is totally insufficient and the use of a third party for critical mortgage servicing elements is damaging to their customers.
|
| 01/29/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I closed on a HELOC loan with Pentagon Federal Credit Union on XX/XX/XXXX, My loan processor informed us after loan approval that they offer a special introductory rate offer of 3.24 % for 1 year, if we take an advance on the line at closing, we had to take it settlement to get this intro rate. The fixed rate of the introductory offer is 3.24 % for the first 12 months. We took an advance on the HELOC at closing as advised. However our billing statements- ( attached ) -does not and has never matched the actual interest rate accrued correctly, nor the interest rate calculated for the amount due. It states a rate of 5.00 %. We brought this to the attention of a supervisor at PenFed 2 month ago ( XXXX XXXX Supervisor Mortgage Loan Servicing Phone : XXXX E-Mail : XXXX ) When we saw this error on our dashboard. XXXX and our original processor at PenFed acknowledged in several emails and phone conversations that they are having issues with their new loan origination Platform system designed for 1st mortgages and is not working correctly for HELOC 's at this time.
I was informed they are aware of the error and asked to be patient and assured that the problem will be corrected shortly. It has now been more than 60 days of communications and we still can not get a correct interest billing statement and corrected interest charges for last year for taxes. And so far this year our statement is still incorrectly being displayed on our dashboard- ( billing statements attached ). Today we received a billing statement for our loan and it now shows us past due! It does not reflect all payments made to date by auto debit from my checking account from XXXX XXXX XXXX to PenFed. We are getting nowhere fast on these communications unless we keep calling and emailing for updates. What's more! IS our PenFed dashboard now shows two open HELOC loans and two different account numbers?, it's a real mess. At this point, we are just plain worn out and tired of the time and energy we have spent on this issue. We want to out of this loan and want to rescind this loan, have our fees returned. This whole process has been a total mess from start to closing, which took PenFed over 135 days to process and resulted in having to have a new hard credit pull which lowered our score and now we are concerned about our credit rating and the risk of a misreporting us as past due?
|
| 10/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Hi ive traded my XXXX XXXX XXXX in XX/XX/XXXX to a dealership for an upgraded bigger vehicle because i was expecting in XXXX. by XX/XX/XXXX i called penfed credit union to ask for a payment date change because i was going on XXXX leave & because I would be out of work my income /dates would be as they were so i asked i was deniedXXXX i called back to ask for my due date changed again & why i was denied again so i tried to continue making monthly payments on the XXXX of each month..this became overwhelming..i then called to ask can i refinance the car because my income has changed i was denied..so as im trying to keep up on my payments i was noticing that penfed took XXXX XXXX XXXX card numbers off the account for direct deposit so wen the money is authorized to be withdrawn its never getting withdrawn it jus sits until i call which is days maybe weeks later then im getting penalized for this with extra fees..so on XX/XX/XXXX i called them again ( which is every month ) i spoke w a young man who changed my date for me to the 2of every month starting XXXX XXXX its now XXXX XX/XX/XXXX & i have the money in my account still & i call penfed to ask why r my deposits never getting took off the card for my loanthe representative says she dont see a payment date change in the system, i didnt pay for XXXX i proceed to tell her wen the moneys there take it i have life insurance cable phone rent etc coming off days apart so u guys have to accept wen its there..because others are going to take theres off & i shouldnt be held accountable for theyre lateness i asked to speak to a supervisor she then puts me on hold literally for XXXX XXXX jus to tell me her supervisor is not available to speak with me then she says i never had insurance since I bought the car i told her maam i cant drive off the lot without insurance i had XXXX XXXX i also let her kno that it laspe & was due to me being outta work & i will get back on asap..i paid XXXX of my income tax on this car & im making my payments regularly here it is XXXX they still havent took theyre money they keep saying XXXX XXXX havent released the money then it was i had a bad card sometimes i get hung up on & im scared they will repo my car she said i was only one month back & i told her due to u guys not taking the money off other creditors have taken theres thats why im alil behind..please help me
|
| 09/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Dear Sir/Madam, I am writing to formally file a complaint regarding the egregiously inadequate service I have experienced with Pentagon Federal Credit Union in regard to my car loan account. I am a 100 % XXXX XXXX XXXX veteran living with a XXXX XXXX XXXX, which notably includes memory issues.
Despite my condition, I have diligently maintained my loan repayments, relying heavily on the regular statements sent by the credit union to remind me of my due payment dates. Unfortunately, I stopped receiving these crucial reminders in XX/XX/XXXX and, due to my memory issues, this led to a lapse in my payments that persisted until XX/XX/.
On XX/XX/, I received a distressing communication from the credit union threatening to repossess my car if the overdue amount was not settled in full by XX/XX/. Immediately upon receipt of this letter, I reached out to the credit union and spoke with a representative named XXXX XXXX. During this conversation, it became apparent that there was a serious failure in the credit unions system in maintaining consistent communication with me. XXXX XXXX initially claimed that statements had been sent via email, but could not substantiate this with dates and I found no such communications in my email history. Moreover, he stated that there had been attempts to reach me by phone, only to then find that no calls were logged until XX/XX/XXXX, and even then, it was unclear if any actual calls were made as I was only placed on an auto-dial list.
I find myself in an extremely precarious and unfair situation where I am being held accountable for missed payments that I was not duly notified of. My reliance on these notifications is heightened given my medical condition, and I am now facing an unjust punishment due to a failure on the part of the credit union.
I am reaching out to seek your urgent intervention to facilitate a resolution that recognizes the credit unions lapse in communication and affords me a fair opportunity to resume my regular payments without the undue burden of having to settle the full overdue amount within an unreasonably short timeframe.
Thank you for your attention to this grave matter. I trust that with your assistance, a just and reasonable solution can be reached. I am willing to cooperate fully and provide any necessary documentation to support my case.
|
| 11/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On XX/XX/2022 I noticed that the balance on my checking account had decreased by {$1600.00}. There was no obvious reason for these missing funds. I called my bank, PenFed Credit Union ( XXXX XXXX XXXX, XXXX, VA XXXX ) to inquire how it was possible that there was this discrepancy. They were not able to assist me at that time and advised me to call back on Monday, XX/XX/2022.
I called PenFed Credit Union back on XX/XX/2022 and was immediately transferred to the XXXX XXXX XXXX ( FSO ) after talking to the customer service representative.
The XXXX at XXXX instructed me that my missing money was on hold. The hold on my money was being done to cover a wire reversal from a wire done on XX/XX/2022. I asked how this was possible and they told me that the only remedy to lifting the hold was to contact the bank who initiated the reversal, XXXX Bank.
I first contacted the person who sent me the wire on XX/XX/2022. He insisted he did not reverse the wire. He contacted his bank, XXXX Bank and asked them about the reversal.
XXXX Bank ( XXXX XXXX, XXXX Corporate Security XXXX ) disclosed they were not the ones who initiated a hold on my funds. They sent me several emails confirming this fact.
I next sent a copy of XXXX emails to XXXX. The only way to communicate with XXXX was by uploading scanned copies of the emails through their website.
I called the next day to talk to PenFed XXXX and confirm they had received the emails and ask when the hold would be lifted. The customer service representative I talked to refused to let me talk to anyone in the XXXX office.
Now it is more than 9 days since the original hold was placed on my funds. I do not know why from PenFed and there is no time provided from them on when their investigation regarding the hold will be completed.
I need my money to be release by PenFed immediately. I was supposed to use these funds to pay my rent this month. As of this date, I still dont have my money available and my account still shows that PenFed is holding {$1600.00}. Please help me by investigating these facts and implore PenFed to immediately release my money.
I believe that PenFed has held my funds illegally. There must be a limit on how long they can hold funds pending an investigation. I am also asking for punitive damages against PenFed for their actions in this matter.
|
| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Attention PENFED CREDIT UNION you were recently sent a packet of Notices to you PENFED CREDIT UNION to correct some errors in Billing as you are currently attempting to collect alleged debts from me, the natural person, private individual, consumer and Original Creditor involved in these consumer credit transactions/sales. As the original creditor I do NOT owe you any alleged debts and there is no documentary evidence of such allegations. After review of these statements I have discovered there is a serious error in Billing reflected on statements that have been sent to me so you have received a verified Billing Error form from myself in order to correct the errors that I have found with the referenced account. Your accounting records if maintained accurately and in accordance with Generally Accepted Accounting Principles as [ GAAP ] as required by 12 USC 1831n and highlighted by Federal Reserve Publication Modern Money Mechanics, will show a total bank liability to me In the amount of {$25000.00}. You have been notified in this Billing Error Notice of this error and are required by Federal Law Pursuant to 15 USC 1666 to issue me credits as directed. You have also received a Notice Of Opt out which requires you to remove all reporting of my private, personal and confidential information to any credit bureau, credit agency or credit repository, again PENFED CREDIT UNION you must immediately cease reporting of any information to the credit reporting agencies pursuant to the aforementioned section of Federal Law. Refusal to comply with these demands and Federal Regulations will result in further legal action. If your claims to this alleged debt hold any merit you will have no issues complying with the Freedom Of Information Act Notice and providing the demanded documents and appropriate attestations under notary seal as demanded in this document and pursuant to FOIA 5 USC 552 and FDCPA 15 USC 1692. Ignorance of the law is no excuse for your negligence and your Silence is Acquiescence! Should you default on these notices that Have been Notarized and are now legally applicable as evidence of your willful negligence I will not hesitate to pursue these matters to the full extent of the law. This is my attempt in good faith to rectify these matters and errors prior to taking any further required legal action.
|
| 08/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
XX/XX/XXXX PenFed Credit Union XXXX. XXXX XXXX XXXX NE XXXX Reference : PenFed XXXX XXXX XXXX card ending in XXXXimproper application of payments To Whom It May Concern : After reviewing my credit card statement ( s ) and speaking with numerous representatives at PenFed, it is my belief that you are not only improperly applying payments but also blaming government regulations for requiring you [ PenFed ] to apply payments in this manner.
For instance, on the above stated credit card account, the following balance transfers were made based on a 0 % promotional financing offer : XX/XX/XXXX {$4700.00} 0 % Promo expires XX/XX/XXXX XX/XX/XXXX {$5500.00} 0 % Promo expires XX/XX/XXXX XX/XX/XXXX {$2900.00} 0 % Promo expires XX/XX/XXXX Being that the first two balance transfer promo rates expires on XX/XX/XXXX, I have been paying large payments to get those paid off. Unfortunately, for some reason that NO ONE at PenFed has yet to explain after numerous calls and sitting on hold for excessive periods of time, the payments are being applied to the XX/XX/XXXX balance transfer rather than the soon-to-be expiring XXXX promo expiration amounts.
My understanding of the regulations that your employees are quick to blame are that payments should be applied to highest rate items and then to promotional balances if a payment is made that exceeds the minimum payment. Basically, the principal is that the consumers payments are applied in a manner most advantageous to the consumer. Even if that is not the case, why would PenFed take the most egregious method to the consumer to apply large payments to a promotional balance that expires 7 months after the promotional balance that I will soon be penalized for not having paid off before the 0 % expired?
I do expect an answer and I would encourage a more thorough training program for your employees so that proper remedies or explanations can be provided to your customers. A simple the government makes us do it that way may work for some but it doesnt for me.
Further, when a customer calls with a complaint or issue with their account ( s ), it should be escalated per the regulations that are quickly blamed versus telling a customer it will be checked in to and then nothing happens.
I can be reached at XXXX or XXXX.
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX
|
| 03/07/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I signed up for a home warranty ( XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX through Pentagon Federal Credit Union, where I hold a checking account. They endorse the home service plan and provide automatic withdrawals to pay the monthly {$54.00} to XXXX XXXX. Our XXXX XXXX XXXX XXXX XXXX warranty # is XXXX.
On XX/XX/XXXX, I filed a claim with XXXX XXXX regarding a leaking hot water heater in my home. A service provider contracted by the home warranty company, XXXX XXXX XXXX of XXXX, Colorado, came to assess the problem on XX/XX/XXXX. I paid a {$100.00} deductible to XXXX XXXX by credit card over the phone and received receipt via mail. XXXX XXXX XXXX determined we would need a new hot water heater and communicated that with XXXX XXXX.
On XXXX XXXX, XXXX I received a call from XXXX XXXX offering us the product ( new hot water heater ) and installation by XXXX XXXX for an additional charge of {$80.00} or a " payout '' to the amount of {$680.00}. I opted for the product and installation. I was told then that the water heater had been ordered and would be installed within 3-5 days.
Beginning on XX/XX/XXXX, my husband and I began calling both XXXX XXXX and XXXX XXXX daily to learn the status of our claim since we still did not have a hot water heater. Each time either of us called, we were told conflicting information from the day before and from person to person. At one point we were told the hot water heater was on a truck coming from Texas to Colorado, but there were no tracking numbers. As of XX/XX/XXXX, we were told that in fact, the hot water heater had yet to be ordered by XXXX XXXX. Today, XX/XX/XXXX ( one full month from the date of the initial claim ), I was told by XXXX XXXX that the hot water heater had been delivered to an address in XXXX, New Mexico and was ready for pick up by XXXX XXXX. I pointed out that XXXX, Colorado and XXXX, New Mexico are not in close proximity by any stretch of the imagination. XXXX, the case manager I was speaking to ( extension -XXXX ) realized this was a mistake on their end and said she would try to have the hot water heater shipped directly to XXXX XXXX in Colorado.
I have been living without hot water for a month and can not get anyone ( XXXX XXXX or Pentagon Federal Credit Union ) to be accountable for the unacceptable way our claim has been handled.
|
| 10/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
In XX/XX/2023, I was approved for a credit card with PENFED Credit Union. After a couple of months went by, and once my cash advance kicked in, I started having trouble with my usernames and passwords being XXXX and keeping track of my current and recent transaction history by features that were being removed from my online account by the bank. These troubles would reoccur every single time I would try to log in and out of my online banking account. Because of these reoccurrences, I knew my account had been targeted for harassment. Once I was no longer able to log into my account or/and keep track of what I was spending, I would immediately contact the bank by online chat and try to convince them to replace the features back on my account so I could continue keeping track of my spending which they never did. I then would have to contact them about mechanical errors on my account for it being able to load important information on it. I would even have to reset my passwords constantly on the account because they were being XXXX on a regular basis. Once I got my password back to working a couple of times, there came a time when my cash advance had kicked in for quite a bit, and at that moment, I had discontinued using the card for a month or XXXX. As soon as I started using the card again, unauthorized charges started popping up on my purchase amounts. I was billed twice for XXXX XXXX with XXXX of them legit, and the other one was not. I then immediately called XXXX to resolve the issue but they could not do anything because the unauthorized transaction did not show on my XXXX account. I then knew the unauthorized charge was on the bank 's behalf and not XXXX 's because XXXX usually would refund the money right away, which in this case never happened. Otherwise, my account has now been XXXX and I can not do online banking or keep track of the unauthorized charge disputes and current balances. According to recent research, the PENFED Federal Union has been slapped with a {$5.00} XXXX dollar lawsuit for XXXX harassment, physical and mental abuse, and age discrimination by a former employee. The former employee happened to be a card fraud XXXX who had once served as a senior ATM network analyst. There have been many bad reviews and complaints with PENFED with the XXXX and XXXX reviews. At this point,
|
| 08/12/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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In XX/XX/2019 both my spouse and I lost our jobs so I contacted PenFed Credit Union to inquire about what my options might be such as deferring payments to the end of the loan, reduced payments, anything of that nature that they might be willing to work with me on. I signed an extension agreement that to my understanding deferred 90 days ( or the next 3 payments ) until the end of the loan. We resumed our regular monthly payments in XXXX only to be blindsided by a letter from PenFed 's delinquent loan department stating that we were in arrears over {$1400.00} dollars. After pouring through bank statements and looking for copies of canceled checks I reached out to PenFed with copies of the Extension Agreement that I had signed, a listing of all the payments I had made on the loan and my belief that I was in fact current. Shortly thereafter I received another letter from the delinquency department stating that the Extension Agreement that I signed was placed on my file for future use as at the time I asked for assistance I was not eligible to receive any. To say that I was shocked was an understatement ; why would they have me sign the agreement and then not notify me in writing that the extension had been denied? The lender that I spoke with and emailed me the agreement never told me that I was in fact applying for future assistance ; it wouldn't have made any sense for me to do that I couldn't make the payments in XXXX. I have only recently started a new job and my spouse is out of work still, my fear is that repossession attempts are not far behind and I just honestly feel like I was completely mislead about the form I was signing ( it is clearly titled Extension Agreement ). PenFed basically told me to XXXX it up there was absolutely no repayment options given to me just pay the {$1400.00} now. They have also continued to contact my son who is in no way linked to this loan or to PenFed in any way, shape, or form despite his numerous attempts to explain to them that he is not an account holder of theirs. I'm not sure if they think he is lying and that it's really me on the other end of the line but the calls are repeated, during his working hours as an XXXX at a XXXX XXXX XXXX. I have given them my contact information numerous times so again I don't understand why they continue to call my son.
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| 10/30/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
- Changes in loan terms during the application process
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Web |
Older American, Servicemember |
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I am writing to you today about my most recent issues with my Financial Institution, Pentagon Federal Credit Union. My issues specifically involve their XXXX XXXX
I had a horrible experience with my original mortgage closing and ended up having to pay some of their closing costs for them. Luckily, I had an extra {$3.00} XXXX dollars available to cover the costs they should have paid. They did eventually reimburse me but only the money not the use of it or the lost time. It was actually the third closing date they missed the first two. My lawyer said it was the worst closing he had ever seen and would never do business with them again. I complained to the Consumer Financial Protection Bureau but to no avail. Even though they admitted to fouling everything up nothing happened.
So, shame on me when they offered to refinance my home and lower my payments in late XXXX I foolishly took them up on their offer. Six months later I received a correspondence from XXXX who held the insurance on the property that they had not been paid in several months. Now this was not my issue in the since that it was coming out of my escrow but of course I did not want the insurance on my home cancelled. I contacted PenFed and they tried to blame it on a subcontractor and it was going to take forever to get the payment. So, once again I was forced to pay PenFeds bills for them but this time there would be no refund.
PenFed agreed that they should have paid the insurance but did not. Now they claimed that they had not held back enough funds to cover my escrow and they raised my mortgage. Now I know that escrow can change but only when taxes change or insurance rates go up. Neither of these happened. Instead PenFed apparently made an error figuring out the mortgage and now they just raised my mortgage.
I tried to explain that we had a contract and you just can not arbitrarily change the rates. I finally escalated to, XXXX XXXX XXXX, XXXX of the Board of Directors. He apparently does not see a problem with this strategy. I asked if I could arbitrarily change the rates downward and was told no if I did not make my payments they would foreclose.
Im a little bit baffled that a financial institution the size of PenFed would not have a better grasp of business. They are either totally incompetent or just dishonest.
|
| 08/22/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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|
Web |
Servicemember |
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We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX in XXXX, VA on XX/XX/XXXX. The agreed upon price for the vehicle was {$40000.00} plus tax and tag. We told them we were going to finance through our own bank. The sales person said they would be able to give us the same rate if not lower. When we got into finance we were told they were able to buy down our finance rate and actually beat our banks rate by approx. 1/2 a percent lower. He had us sign 2 different contracts with 2 different amounts on them. When we asked why 2 contracts and why they were different he said they needed to show the bank the buy down rate and that the figures were just for the bank. After we signed everything and got home we could n't figure out what all the extra money added onto the loan was for. I contacted the finance person and was told the charges were for extra and extended warranties. We told him we did n't ask for any of these items and none of them were ever discussed or agreed upon to for them to add to our loan. I told him to just void the entire contract and we would finance through our bank as we were going to do at first. He said they could n't do that because the loan was financed and money dispersed the same day we signed the loan. We told him we wanted all the extra charges removed and refunded back towards the loan. I asked where all our paperwork was ref. all the extra and extended warranties and the 2nd contract they had us sign were, because we did n't have any paperwork on any of the stuff he added onto the loan. They said they would XXXX them to me. We received copies for warranties with the finance persons signature on them but not our signatures. Each copy had RE-PRINT FOR CUSTOMER FILE on it. When we asked where our copies with our signature on them was he told us he lost them. They do n't have any copies because we did n't agree to any extra or extended warranties. We were told the 2nd contract had been destroyed. Bottom line is The dealership charged us approx. {$22000.00} in extra charges we did n't agree to. It has been a nightmare trying to get them to rectify this issue. I have called and left messages with everyone from the General manager, district manager, finance manager and sales rep.. They never return phone calls and do n't seem very interested in resolving this matter.
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| 11/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Pentagon Federal Credit Union was paid an amount that was agreed upon in a legal contract. This contract has confidentially agreement that states that I can not state what they reduced the amount due but it did state that I would pay a sum of money to pay the account and Pentagon Federal Credit Union would accept that as payment in full without further harming my credit or coming after me. I addition they canceled the credit cards which was agreed as part of the contract.
The sum of money was paid as per the contract early and in full. The creditor has not sent me a letter to show that the account was paid which is a item that they should have provided me as I can still go to the banks and show the amount paid but not from Pentagon Federal Credit Union that states the same.
The actions Pentagon Federal Credit Union has done is as follows : -Stated that the account is in collections ( Not true it was paid in full ) -The account was written off ( Well that is not true as I paid the amount agreed to settle the bill ) I believe that Pentagon Federal Credit Union is not following the Fair Credit Reporting Act and is penalizing me even though I paid them the amount in good faith. They have been contacted several times and they have advised me that the accounts are closed and paid in full. This is very much different than what the Credit Bureau has in my report. I'm asking for help as they have said that it would be corrected no later then 60 to 90 days. It now has been over 6 months! The manager who wrote the letter was contacted and he was rude and treated me very poorly. My cause of the hardship was a tragic accident that impacted my head. ( XXXX XXXX XXXX ) I'm not aware of how a credit report can mark something incorrectly and get away with it without violation of the fair credit reporting act. If they state I didn't pay then I suggest that they refund the money as their reporting is stating the same level of lack of payment and is harming me more.
Pentagon Federal Credit Union has a duty to follow the regulations of the Credit Union and of the rules established for financial institutions. In this case they have opted to not follow them as they know of my medical condition and lack of ability to ask for help. In this case I was assisted by my family member to help address this matter.
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| 07/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
Older American |
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I received a call from the CC Company " Fraud Dept. '' ( official phone # ) in XXXX asking if purchases in Florida were made by me. I said NO! As I was speaking with the 'fraud agent ' I went online to their portal and saw that there were no charges on the account. He ( fraud agent ) informed that they hadn't shown up yet and would be declined. He ( fraud agent ) said a new access code would be sent to me, to tear up the existing card and another would be sent within a week. I didn't tear up the card. And, NO card came. So, I tried to access the portal but was locked out. When I spoke with customer service ( same official tel # as 'fraud ' ) they said my email address, my tel # ( all I've had over 10 years ) had been changed. Each call to this CC company is recorded. I asked that they replay the calls and find out when the " changes '' took place and call me back. They said they would not do this since the number I was calling from was not on the account. They have no security questions nor use an authenticator app. I said look at your records before XXXX and you will see since I've had this CC it is has always and still is the same email, tel, mailing address and that all I want to do now is pay off the card and close the account. They refused. They said the 'fraud department ' would get on the line. I asked the customer service rep to stay on the line and call me back if we were to get cut off, ( since the calls are recorded ), which she did. The 'fraud agent ' came online and I told him that the customer service agent was on the line and asked if I could record the call. The 'fraud agent ' hung up. The customer service agent called back and left a voice msg ( which I still have ) saying that she checked the 'fraud department ' personnel and there was no one working there by the name of the supposed 'agent '. Now I am being told I have to give private confidential documents to the 'fraud department ' in order to access their portal. I was told that my # is NOT associated with the account since XXXX. Yet, on XX/XX/XXXX I received a text from a XXXX area code ( where this CC company has a call center listed ) asking if I had made a charge to a XXXX. I said NO! I just want too pay this off and close it out but I do NOT trust their XXXXfraud department ' is NOT compromised! HELP!!!!???
|
| 11/27/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
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I ( Member # : XXXX ) have been trying to work through penfed member services regarding my Home Equity Line of Credit account. I made a check payment on a void check of {$950.00} on XX/XX/XXXX. I called customer service on XX/XX/XXXX as the check recipient told me that payment bounced due to insufficient funds. I paid {$950.00} using my other bank account in the hope that this void check wo n't clear. I also sent an email on XX/XX/XXXX in this regard with no response till now. After multiple calls to the penfed member services, someone sent me the stop payment document on XX/XX/XXXX. I sent the completed stop document form on XX/XX/XXXX. I was told by the member service rep that I will get my money back. I was also appalled by the lack of call information being stored in your company systems. Unless a rep notates on an account, there is no record of prior calls. So, a penfed member has to tell the same story multiple times ( in my case 7-8 times ).
I called back penfed services again on XX/XX/XXXX and was forwarded to the supervisor XXXX XXXX. She told me that money is out from my account and she can not do anything about this. I told her multiple times that why this was not brought during my first call with penfed on XX/XX/XXXX when I brought this issue. XXXX should have advised me for stop payment on the first call and protect me as a customer. Now, I 'm out of {$950.00} with no recourse. If I was given right information on the first call, I would have done stop payment on this check.
I called back XXXX again in XX/XX/XXXX and spoke to XXXX. She mentioned that she was able to get hold of XXXX XXXX ( bank that cashed void check of {$950.00} ) and she is going to file a dispute for {$90.00}. I called back in XX/XX/XXXX and penfed could not find in their records any conversation I had with XXXX. My call was handled by another customer service supervisor and she told me that she will get me the copy of the void check. I have not gotten anything yet.
I 'm a bit disappointed by the lack of knowledge and call resolution by the member services team in this case. I would request you to add {$950.00} back to my account since this was due to lack of help and support from penfed customer service. I count on my bank to protect me and advise me the right way.
Thanks for your attention.
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| 01/08/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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THIS COMPLAINT IS TO PUT THE CFPB ON NOTICE OF MY BILLING ERROR NOTICE TO PENFED IN WHICH THEY FAILED TO RESPOND TO ACCRODINGLY AS STATED IN THE LAW FOR RECORD PURPOSES---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------PENFED YOU HAVE BEEN PUT ON NNOTICE UNDER A BILLING ERROR ON MY CREDIT ACCOUNT WITH SPECIFIC LAWS THAT GOVERN YOUR OBLIGATION TO PERFORM. YOU HAVE RESPONDED WITH A VERY CONFUSING AND ERRONIOUS LETTER THAT I KNOW NOT THE PURPOSE FOR. PLEASE EXPLAIN WHAT THE LETTER IS ABOUT.-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------NOTICE YOU HAVE RECEIEVED THE NOTICE AND ARE FULLY AWARE OF THAT LAWS THAT WERE STATED IN THE NOTICE. YOU SHALL RESPOND PROPERLY TO THE NOTICE WITHIN 30 DAYS OR RISK FORFETURE OF COLLECTING ANY AMOUNT UNDER 15 USC 1666(e)------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------IF THE PERSON ADDRESSING THIS COMPLAINT HAS NO KNOWLEDGE OF THE LAW PLEASE FORWARD THE COMPLAINT TO SOMEONE WHO DOES BECAUSE IGNORANCE OF THE LAW IS NO EXCUSE TO VIOLATE IT AND CAN RESULT IN MATTERS ESCALTING.--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------PLEASE ADDRESS THIS MATTER PROPERLY WITH NO BOGEZ LETTERS NOR MINIMUL EFFORT. THANK YOU KINDLY.
|
| 05/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American |
|
XX/XX/XXXX Re-financed SUV from XXXXXXXX XXXX to PenFed Credit Union XX/XX/XXXX - Received correspondence from PENFED Credit Union they had not yet received title or any evidence of a perfected lien and to immediately send to them.
XX/XX/XXXX - Mailed copies of XXXX XXXX information showing account had been paid in full and a copy of the Certificate of Title to PenFed Credit Union in a self addressed envelope they had provide addressed to XXXX XXXX XXXX, XXXX, CA XXXX as requested.
XX/XX/XXXX - Received correspondence from PenFed requesting I sign and return to them a West Virginia Division of Motor Vehicles " Voluntary Lien Created After Issuance of Original Title '' provided by them to the same address above.
XX/XX/XXXX - Signed and return requested form.
XX/XX/XXXX - Received correspondence from PenFed advising me they had a " system flaw '' and were informing me of a correction to the promissory note dated XX/XX/XXXX correcting the maturity date to XX/XX/XXXX.
XX/XX/XXXX - Received correspondence dated XXXX advising me they were raising the APR on the subject vehicle a XXXXXXXX XXXX from a fixed rate " secured '' loan@ 1.99 % to 14.00 % theri " Highest closed end unsecured loan '', a {$190.00} increase in monthly payments to ne effective XX/XX/XXXX because of my failure to provide the requested copies of the title and loan pay off information from XXXX XXXX which I had sent to them on XX/XX/XXXX.
XX/XX/XXXX - I called XXXX the number they provided and spoke to " XXXX '' and explained the information above. She contacted her supervisor " XXXX '' who stated I would have to go to WV DMV, request a duplicate title and send to them via a service that provides a tracking number. This was necessary because they never received the title I sent on XX/XX/XXXX. I requested to speak to their supervisor but was told they would put in such a request but I would have to wait for one to call me back to discuss further but hey also would put in a request for a 60 day delay in raising the APR to 14 %.
Obviously they are having issues with information handling on their end and are requiring me to take hours of my time and expense to provide them information I have already provided. Seems like a great excuse, " we never got it '' to raise my low rate to their highest
|
| 11/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone Number- XXXX Work- XXXX Dear Sir or Madam, I am writing to dispute the following in my file. I have circled the items I dispute on the attached copy of the report I received.
This complaint is Pentagon Federal Credit Card late payment reporting of {$15.00} dollars not paid for XXXX. This credit card was paid in full in XXXX and then Pentagon automated system pulled the full payment again and I had a large credit amount of {$2100.00}. I then requested the credit card to reimburse me for the overpayment but to make sure all money due was paid so that next month my balance would be 0. I did not want to leave the auto pay on because they double pull the amounts sometimes like they did in XXXX. Please see XXXX statement for verification.
I have enclosed the last four statements so you can see that the {$180.00} charge was paid in full back in XXXX. They also never updated my correct address and all statements went to wrong address. As my card expired in XXXX they sent a new card I never received to old address. This is after verbal conformation that XXXX their customer care representative changed the address to the correct one back in XXXX.
I have also enclosed a letter with a recent date from XXXX XXXX stating the account is up to date. XXXX XXXX has denied my dispute with all three credit bureaus and will not change my account from late. Please investigate this as soon as possible as I am closing on a mortgage and this is gravely affecting us financially and my familys personal wellbeing. My score went from XXXX to XXXX in one day. This does not seem fair to someone who has never missed a credit card payment in his life, 47 years. Especially since I over paid the amount and XXXX XXXX credited the wrong amount back. With no statements to alert me or phone calls or emails and I am thinking this card has no balances.
If something is not clear or you need more information please contact me. I am also inclined if this is not resolved in a timely manner in reporting this to my states attorney general office.
I have enclosed the following : Recent Credit Report with circled item Pentagon Federal XXXX, XXXX, XXXX and XXXX Statements Letter from Pentagon Federal My Credit Score in XXXX.
Sincerely, XXXX XXXX
|
| 09/21/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On Wed XX/XX/XXXX, I received an email from my loan officer, Mr. XXXX XXXX informing me that " due to high volume, we are not able to get you closed on Friday XXXX XX/XX/2020 XXXX ''.
On Thus, XX/XX/XXXX, I received an email from mortgage processor XXXX XXXX stating : " The underwriter is asking for the following : Hi XXXX, I will need the year to date 2020 P & L statement. '' I was surprised because I am just a XXXX XXXX XXXXXXXX with a XXXX pass through status so I got on XXXX and created my XXXX XXXX XXXX.
However, on Friday XX/XX/XXXX I was sent an email by the mortgage processor that the underwriter was now requesting the following : " The XXXX XXXX XXXX is inadequate. It was created by the borrower. We need an audited XXXX XXXX XXXX and balance sheet prepared by his CPA. Also, the CPA needs to address what impact moving the business to KS will have to future revenue streams.
In addition borrower needs to provide current assets/bank statements and to address what line of work he was in exactly in his previous job. '' At this point I was beginning to feel excessive anxiety because of the delayed signing, move in delays, and now this potentially expensive and unnecessary requirement on Friday night. I could not get a hold of my account, so I asked my prime contractor who employs me to help and his CPA was able to create the XXXX XXXX XXXX and balance sheet based on my financial information I provided, but it cost me {$1500.00}, which was a huge discount. As of Monday XXXX CST I have still not heard back from my loan officer after our discussion earlier in the morning of the status of my submittal and I am incurring costs to change my flight arrangements back to DC. My actual attorney has been communicating with me that not only is this unusual but it may also violate certain AI CAP rules.
Since I have no contact with the actual underwriter, I still do not know how this will turn out and the seller may cancel the contract.
Please help me gather the information that requires underwriters to request this type of information for a XXXX XXXX XXXXXXXX, sole proprietorship with an XXXX pass through entity in order to prepare my loan for sell off to XXXX XXXX or XXXX XXXX. This is the justification PenFed is using to request this type of information.
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX and I have been a member with PenFed for 2 years. I recently had a mix-up with them regarding a late payment that I contacted them to resolve. In XXXX of 2022 I got a notification from a credit monitoring service that I was on the verge of having a late payment with my card ending in XXXX. This was highly unlikely as all of my credit cards are on automatic payments. I quickly reached out to the company and spoke to a representative that told me that I didn't have auto payment on that card and that it had reverted to a new account that had been opened. I was confused because I had never opened a second credit card and never applied for one. The representative helped me close the account and reinstitute my auto pay assuring me that the late was just a warning and would not get a late payment since I had taken care of the payment already. I asked them multiple times to ensure that I was in fact not going to have a late show up on my credit report and A few days later I did in fact get a late payment reported on my credit report so I reached back out to PenFed for help and they started an inquiry and according to their findings didn't see anything wrong. I believe that not only did they open an account without my knowledge they also lied and told me that this would be resolved because of a mix up in their system.
But in accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 04/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
PenFed credit union, which has a history of being defrauded ( most likely due to inept Know Your Customer enforcement ) has sent me letters that my account is overdrawn. I have never opened an account with PenFed. I have contacted PenFed repeatedly, and they are refusing to investigate the issue until I file a police report.
To be clear, I have never signed a contract or opened an account with PenFed, thus I do not have a fiduciary duty to them in any capacity whatsoever. They are demanding that I file a police report prior to their opening an investigation. As I do not have any relationship with them whatsoever, I am not in any way compelled to honor their request.
The account that they are claiming is associated with my name was opened in XX/XX/2020, thus it is less than 60 days old. During that time, one or more checks was deposited into the account, and subsequently returned by the issuing institution as fraudulent. During that time, PenFed allowed the account to be overdrawn by {$5400.00}. That is grotesquely negligent.
Due to the XXXX breach last year, the names, addresses, and social security numbers for virtually every American are available online. If PenFed is allowing people to open accounts with that information alone, they are not simply negligent, they should be both civilly and criminally liable. I have requested PenFed provide me with the signature and photo identification that was provided when the account was opened, and they have refused.
PenFed was defrauded last year for a XXXX dollars in the exact same fashion.
XXXX XXXX XXXXXXXX Apparently they have learned nothing, and have taken zero steps to enhance their Know Your Customer compliance. If every bank and credit union in the country were as lax as PenFed, I and every other American would waste hundreds or thousands of hours a year filing useless police reports. It is PenFed 's DUTY to investigate when they have been defrauded. It is not my responsibility to take any action prior to their investigation. This is especially true as the account in question was opened fewer than 60 days ago.
I have contacted the Chairman of PenFed via this webpage, XXXX XXXX XXXX I have also contacted their CEO XXXX XXXX via XXXX XXXX
As of XX/XX/2020 I have not received a response.
|
| 06/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I applied online for a checking account with penfed. Back in XX/XX/XXXX. I then received that they needed photo I.D .
Social security card and utility bill to verify my identity. At the time of my application I was living in a cheap monthly motel room that I was receiving mail to. I sent in photo of my I.D . and social security card. I advised penfed that I was living in a monthly motel and I don't have any utilities. Everything is provided. Because I am living in a motel.
So I also emailed them copies of the receipts for the motel Copy of the receipt from my XXXX debit card that one time I used to pay for the month showing the motel name address and my name Sent them my social security XXXX benefits letter Sent them copy of my XXXX XXXX statement showing the motel address I just found out that my account with them is still frozen and they still are hasstling me for documents I just again sent them Photo I.D Social security card And since I am living in a apartment now Sent them copy of my utility bill And my account is still frozen They are still demanding more documents From day one I had to pay a contribution because I am not a government employee or military member. I also used my XXXX XXXX debit card to fund the contribution I also used my XXXX debit card to fund the XXXX $ that I needed to open the account I have been on social security XXXX since XX/XX/XXXX I'm a victim of covert harassment and organized stalking since day one going on social security XXXX. Our corrupt government and the corrupt FBI agents have also made it look like I'm a victim of identity theft. They keep adding bogus information and bogus accounts. I have been documenting this for three years now I have XXXX and XXXX and was illegally XXXX in XXXX with XXXX XXXX for XXXX You can XXXX it So they have done everything that they can to ruin my life in every way possible and I believe this is also part of their doing All my accounts are hacked All of my phone are tampered I have my Florida I.D .
still even though I am living in XXXX Ohio Because that address is my mom 's address who I lived with for long time And still go there and receive mail there when I need to I sent them so much documents when I first applied for the penfed account and when I was living in the motel
|
| 04/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I would like to file a complaint against Pen Fed Credit Union routing number XXXX.
Pen Fed erroneously reported three thirty-day late credit card payments on my credit report for XXXX, XXXX and XX/XX/2017. I have made over 30 phones calls, multiple online disputes and in person meetings to resolve this situation.
Because the payments were automatically sent via XXXX auto pay XXXX submitted proof of electronic payment directly to Pen Fed. XXXX even had a least two conference calls with Pen Fed to resolve this matter.
The systems at XXXX are very automated and they were able to provide proof of payment and transaction IDs. XXXX also confirmed the payments were received by Pen Fed and not rejected.
Pen Feds research appeared to be very manual. The response from Pen Fed has always been we dont see the payments or we must have sent the payments back. On several occasions I requested electronic documentation from Pen Fed showing that the transaction IDs were rejected, but Pen Fed could never produce documentation.
It took so long for the issue to come to light because Pen Fed kept accepting the electronic payments. The electronic payments were removed from my account every month. Once Pen Fed received the payments it is their responsibility for misappropriating the payments.
These were not payments that were mailed and lost in the mail. They were electronic payments that could be tracked by the sending institution XXXX XXXX XXXX.
I included proof of electronic payment for every payment Pen Fed said they didnt receive. I continued to pay my monthly payments while this situation was being researched by XXXX and Pen Fed. Instead of being a good business partner, Pen Fed kept adding late fees on top of late fees during the investigation.
Pen Fed never located my payments. I eventually had to file a fraud report with XXXX due to the misappropriation of my payments.
Even though I repaid the payments ( I had already made ) and the payments were up to date Pen Fed cancelled my credit card while I was still reaching out trying to get my information updated.
Not only do they have erroneous late payments on my credit report they also have Cancelled by grantor listed for the credit card. This only compounds the negative impact on my credit.
|
| 07/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I applied, and was approved for an installment loan with Pentagon FCU. I have been paying down on the note for probably more than a year now. In XXXX of 2021, my employer announced potential future layoffs as the result of a bank merger. I work for a bank. I contacted Pentagon FCU and attempted to enroll the installment loan in their debt protection program. Due to a glitch in their online system, however, I was unable to retrieve the documents that I needed to sign. Rather than address the glitch, Pentagon told me that in order to properly add on the protection, they would need to " rebuild '' the loan. I went with it as I really wanted the protection. About a month later, I checked the loan details online. They raised the rate from the initial 8.49 % fixed to 12.99 %. When I contacted the company, they acknowledged the error and changed the rate back to match the terms of the original loan agreement.
Since then, I have received a total of three requests to sign an official promissory note for their records. The issue with the promissory note is that it contains invalid information - the rate is 12.99 % rather than the original rate. And the monthly payment is therefore also incorrect. When I contacted them ( several times ) to dispute this, their resolution was to send an addendum letter, signed by a loan operations representative along with yet another promissory note for ME to sign containing the same invalid rate, payment and other calculated terms. XX/XX/XXXX, I contacted Penfed again and was told that they requested a corrected promissory note for me to sign but the request was " denied ''. I was also told that if I did not sign the invalid promissory note that they have continued to send me, they would probably raise the interest rate on the loan.
I refuse to sign a legal document that is not correct and I hope someone at this agency will agree with me. Please address this issue with Pentagon Federal Credit Union. If the promissory note is something that they can not reproduce from the system, I would suggest that they create one manually with the correct information on it and I would be happy to sign it. Something is very wrong with this institution. I have been in banking 20 years and have never seen anything like this.
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| 12/15/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The XXXX XXXX XXXX XXXX XXXX XXXX, representing XXXX XXXX, is attempting to collect alleged debt against me. I have an ongoing dispute with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and their response to my debt validation request has revealed that my alleged debt was transferred from alleged original creditor [ Pentagon Federal Credit Union ] to [ XXXX XXXX XXXX XXXX ].
On a Transfer and Assignment Document, I see that [ XXXX XXXX XXXX XXXX XXXX " immediately transferred '' my alleged debt to [ XXXX XXXX XXXX ], and that [ XXXX XXXX XXXX ] " immediately transferred '' my alleged debt to XXXX XXXX.
I don't recall receive any written notice whatsoever from XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX. I call XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to prove that they sent me anything whatsoever in the mail pertaining to the purchasing and/or transferring and/or reassigning of the alleged debt.
I suspect that my rights under FDCPA were violated and that these entities failed to notify me of the transferring of debt.
I also call into question the signatures on the attached document enclosed from the representatives of these " XXXX '' companies. Why is the dated typed but the signature is a wet-ink signature? What proof can XXXX XXXX XXXX AND XXXX XXXX offer that the document was signed on XX/XX/XXXX, the typed date? Why would the signers not write the date in ink since they are signing in ink, and what evidence do they have to offer that they all signed the document on XX/XX/XXXX.
Please answer these questions and provide your documentation that I have been provided all required legal notification from the entities that purchased-then-transferred my alleged debt, and please also answer why this occurance should be interpreted as anything other than a very shady, questionable, poorly signed, and unclean bill of sale and a truly broken chain of title?
Please also inform me how XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX can be contacted for questions pertaining to these documents, and/or subpoenaed for information and/or testimony?
Please also provide me with the DocuSign certificate of completion for the Bill of Sale with the matching DocuSign Envelope ID XXXX Do NOT Modify the certificate of completion in any way.
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| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Since the beginning of XX/XX/2023, I have requested that PenFed update my contact number in order for me to log in to my account and submit payment for my auto loan. I have confirmed every little detail of who I am, what, when and how much past payments were, etc. They refuse to update my information and as such I can not login to pay. They want to charge me an additional {$5.00} for each telephonic transaction ( which I refuse because they are choosing not to grant me access to my account ) and I should not be penalized because they refuse. I have approximately 64 emails from XX/XX/23 through the present date in which I have continued to request my number be updated. They wont do it with out having a copy of my phone bill - which they are absolutely not entitled to. They say they can take a copy of my ID- they have it on file and they know that. I submitted it over two years ago and the info has not changed. This is ultimately going to end up with my car being repossessed or my credit being ruined ( and Ive busted my XXXX over the past 4 years rebuilding my credit ). To let a power hungry bank have the ability to ruin what Ive worked hard for is not right. It would take all but 5 minutes for them to provide customer service and update my number. Its going on 4 months. This is asinine and Im not budging when it comes to providing them with a bill they have no right to have. I literally run a household of XXXX people on my sole income. The car is the only means of transportation we have. This needs dealt with and they need to update my number.
They respond with " we offer multiple alternatives for making your loan payments, including mailing a check or making a payment by phone. We will continue to report your loan payment history accurately to the consumer credit reporting agencies. '' All they have to do is update my phone number instead of trying to ruin my credit. They've dropped it over 100 points over the last few days and that absolutely infuriates me. I had online access. There's no reason I shouldn't be given access to my XXXX account. It's MY ACCOUNT! THEY'D rather destroy a customer 's credit than update a customer 's phone number after 4 months of asking. The worst company I've ever dealt with is PenFed.
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| 12/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I bought my house in XX/XX/XXXX. Penfed Credit Union took over the mortgage in XX/XX/XXXX.
In XXXX, XXXX, I received a delinquint city tax bill from my City. This is strange because I see tax payments from my escrow account at Penfed.
On XX/XX/XXXX, I called Penfed to figure out what is happening. I spoke with XXXX, who told me to email a copy of my delinquint bill. There was no email confirmation and I received no contact.
On XX/XX/XXXX, I called again to verify that the documents have been received, spoke with XXXX again, who told me that the documents have been received.
No contact.
On XX/XX/XXXX, I called again to see if there are any updates. The woman I spoke with told me that XXXX was not the right person to speak with, and to email the delinquint bill again. Also, I was told that the " appropriate department '' is working on it and that someone from that department will be contacting me.
No one has ever contact me by calling, which I requested every time. The only email communication I receive is either none, or an automated email response.
On XX/XX/XXXX I call again and finally learn that PenFed has been paying my escrow to the wrong property since the beginning of the loan. In total they've paid out around XXXX $ XXXX for someone else 's property.
After finding this out, Penfed decided to pay all the delinquint taxes to the City plus the late fees, and changed my escrow balance to negative XXXX XXXX dollars. ( - $ XXXX ).
I send another email on ( XX/XX/XXXX ) asking what has happened to my escrow balance, and a detailed report on how I can get my money back, plus reduce my monthly mortgage payment, and once again receive no answer back.
On XX/XX/XXXX I call again, and this time, was told that they are researching and they will ask someone in the escrow department to contact me.
I make it clear that I am forced to pay over $ XXXX a year in escrow just to cover Penfed 's mistake. This is way higher than what I legally owe. It is destroying my finances and if I don't make this payment I will get a penalties and late payments.
Penfed does not care, $ XXXX is small to them, but it is an incredibly large amount to me. I keep on calling and calling and no one really seems to care.
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| 10/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Struggling to pay your loan
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Web |
Servicemember |
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I took out a signature loan with Penfed for {$10000.00}. My spouse passed away recently and I lost his income in addition to now having more debt to pay including $ XXXX in hospital bills and an extra car payment until I was able to sell our other car. My homeowners insurance went from {$1000.00} a year to {$2900.00} this year which was very unexpected. In XXXX I was XXXX as I am also XXXX and the stress of being alone and having to take care of everything was too much to bear. I reached out to Penfed in XXXX and after explaining my situation and at the customer service reps recommendation she sent me Hardship documents that I promptly filled out and returned 24 hours later. I got a confirmation email stating that I would be contacted via email when it was reviewed. After not getting any emails and checking online to see if there was any additional ionformation, I called Penfed the beginning of XXXX and was told that the file had just been assigned to someone and I should hear something soon. On XX/XX/XXXX I got an email stating that the death certificate was received and reviewed but nothing else. Today I called again and after being sent to several different reps I was told that since the loan was 90 days past due, I would not qualify for a hardship agreement. Then he put me on hold and told me that they were forwarding it for a 2nd review but he didn't have much hope. He was very negative and wondered why I had fallen behind and if I could make a payment today. It is hard enough and a very embarrassing situation to not be able to meet your debt obligations. I am upset with myself that I did not foresee any of this occurring but for Penfed to basically forget about me and then keep me hoping for a resolution while reporting the loan delinquent even when I was in application to 60 days past due does not appear that they are wanting to assist customers that are going through major financial hardships and why wasn't I informed of this 90 day rule to begin with? It seems like Penfed wants me to file bankruptcy as I informed the last rep that I was considering it as I am losing sleep and my health is once again suffering. My payment could be made more affordable if not for the 17 % interest rate as well.
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| 10/08/2021 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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PenFed is in violation. They have marked my credit file with a repossession. My vehicle was never repossessed. In fact, I had a Covid 19 hardship that did not expired until XX/XX/2021. They claimed the vehicle was repossessed on XX/XX/2021. I was never notified of anything until XX/XX/XXXX and when I was notified, I immediately called and I was told that the information was incorrect and that the vehicle was not in repossession and to simply ignore that document. I lost my job and was unable to pay for my car that is why a hardship was granted to me. I was also given XXXX XXXX through PenFed as insurance because I couldnt afford insurance while being laid off due to Covid 19. The insurance only covered the vehicle in the event it was damaged or totaled the insurance was cover my entire costs for my vehicle.
On XX/XX/2021 I was hit by a drunk driver and the car was totaled. The drunk driver also ran my physical body over with his vehicle fleeing the scene. I informed XXXX XXXX and I had the vehicle towed to a body shop out of my own expenses. The insurance company came out and told the body shop to fix the vehicle if it could be fixed. They gave me {$13000.00} in my PenFed bank account for the body shop to pay them for the repairs and their time and work. The body shop took the vehicle apart and noticed it was unable to be salvaged and had the insurance come back out and they totaled the vehicle out. They body shop charged {$4900.00} for their time and work. However, PenFed was refusing to pay the body shop until the threatened to put a lien on the vehicle. PenFed still has the {$13000.00} issued by XXXX XXXX. They are claiming that they paid the body shop {$4900.00} through their money and not the body shops {$13000.00}. And that is why it is legal to put it as repossessed on my credit file, although my insurance already sent over a check to cover the {$4900.00}.
Again the vehicle was never repossessed, because my loan was under a hardship due to Covid, the vehicle was totaled as of XX/XX/2021, and I was never informed of PenFed going to get the vehicle. And even if they did, the insurance paid for the body shop and paid for the vehicle.
Please call me if this is unclear. PLEASE HELP ME. XXXX
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| 06/23/2023 |
Yes |
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- Struggling to pay mortgage
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Web |
Servicemember |
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I requested a COVID 19 related forbearance on my government backed VA mortgage loan in XXXX of XXXX. I was told, at the time of my request, by PennFed Credit Union, that I was not eligible for a CARES ACT forbearance, that no such program existed, that I must provide detailed documentation to prove my hardship, and multiple other violations of the law and my rights. Following a full month of excessive and completely unnecessary stress caused by PennFed 's lack of cooperation and adherence to the law which resulted in multiple arguments with PennFed employees, they finally relented and provided what was due me by law and granted my forbearance in XXXX of XXXX. However they insisted I must pay the full amount due upon the expiration of the forbearance. This was another failed attempt by PenFed to dissuade me from exercising my rights under federal law. More arguing ensued and PenFed relented and decided to adhere to the law. Fast Forward and it's now 30 days prior to XX/XX/2023 ( the end of my initial forbearance period ) I requested a 180 day extension. This option is mine per Federal Law and VA policy which states, " ... The borrower may request an initial forbearance period of up to 180-days, regardless of the borrower 's delinquency status. If the borrower makes the attestation discussed above, the servicer must grant the forbearance request, with no additional documentation. This forbearance must be extended, at the borrower 's request, for an additional period of up to 180 days. When a borrower contacts the servicer, VA expects the servicer to inform the borrower of the borrower 's forbearance rights .... '' Penn Fed refused my extension stating " PenFed submitted your request again to VA for exception processing for the possible forbearance extension. Unfortunately, the forbearance extension request was denied ( by VA ). '' The problem here is that the VA does not approve or disapprove a forbearance. Secondly the period for an initial request ended in XX/XX/2023 but I am already in my initial forbearance and I am requesting the 180 day extension afforded me by law not an initial forbearance which is no longer available. As of today, XXXX XXXX Penn Fed still refuses to assist me in this matter.
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| 03/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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On XX/XX/2020, I requested a balance transfer using my PenFed Power Cash Rewards credit card. The payment of {$510.00} went from Penfed to XXXX XXXX XXXX. After I entered my XXXX account number, I was given the option to select the ONLY name that came up after I entered my account number and that was XXXX XXXX XXXX. I selected the name and pressed confirm. I received a message saying the request was submitted successfully. On that day, I performed several balance transfers. I was informed that the balance transfer would take up to 10 days. Every account received their payment within 3-5 days except XXXX. I began to call XXXX credit card, which is under XXXX XXXX, to find out the status of the payment I submitted on XX/XX/XXXX. XXXX/XXXX XXXX said they never received any payment. I contacted Penfed to inform them that XXXX/XXXX XXXX has not received the balance transfer payment. On XX/XX/2020 I had a conference call with a rep from Penfed by the name of XXXX and a supervisor from XXXX/XXXX XXXX by the name of XXXX ( employee number XXXX ). XXXX explained to XXXX that they needed something stating that my balance transfer to XXXX was rejected so penfed could resend funds. XXXX said there was no payment showing in any of their systems to give Penfed a notice of payment rejection. XXXX from XXXX/XXXX XXXX explained that when things like that occur XXXX XXXX has the ability to have that payment sent back to the cardholder ' credit card.
After the conference call I was under the impression that Penfed would cancel the payment and it would be returned to my credit card. No such thing occurred. I've spoken to multiple people, XXXX, XXXX Asst manager, XXXX XXXX, at Penfed with regards to my missing balance transfer payment. On XX/XX/2020, I spoke to a supervisor by the name of XXXX. He told me that somehow my payment went to XXXX instead of XXXX/XXXX XXXX. XXXX is XXXX and XXXX XXXX parent company. Penfed has sent several messages to XXXX asking them to resend my payment. They claim they don't have the payment. He said pended 's system is possibly not detecting that something went wrong with the balance transfer payment and they have to wait until it's sent back to my credit card.
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| 12/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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|
Web |
Servicemember |
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This is an exact copy of the letter sent to PenFed Credit Union. This is in regards to PenFed Credit union credit card account XXXX.
Earlier this year, there was questionable activity on another credit card. I called all my credit cards and put them on hold. When I went to pay my PenFed card the next moth, I could not access my account. I called, and was transferred to the fraud department. This very rude person that I have spoken to a half dozen times went through an identification verification process and told me they unlocked my account. They did not.
I can only call on days when I am not working, because I can not talk on the phone while I'm at work, and your customer service is closed before I go to work and after I get off work. Still, I have gone through that same process six times. I have gone through the entire identification verification process twice. I have called numerous more times than that. I have spoken to several different people in several different departments, none of who can figure out how to correct my account. I can not make payments online, I can not make payments over the phone. This has now been going on for months.
I would like your company to figure out what is going on. I would like you to fix my online account so that I can access my account and make payments. I would like you to correct whatever is wrong with my account so that I can make payments over the phone. I would like all overdue fees to be forgiven, and I would like you to report to all three credit agencies that all delinquencies on my account are your fault and have those reports removed from my credit score. I would like my payments to resume as normal, with no late or overdue fees, because I have done my due diligence to resolve this issue and I have spent hours and hours on the phone with your company over dozens of phone calls trying to get this issue resolved. I would like you to tell me when this is resolved, because it is causing me mental duress to continue trying to resolve this week after week for months. I am a XXXXXXXX XXXX and as I have stated to your employees many times, my physical and mental health issues make this enormous amount of stress very difficult to handle.
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| 07/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX has erroneously reported my account as 30 days late in XX/XX/XXXX when, during the official dispute process, I included a PDF copy of my transaction record showing the payment made on-time.I disputed a XX/XX/XXXX 30 day late via XXXX 's dispute process and submitted a transaction statement ( directly from the website ) that shows 2 months of debit payments from my savings account to my XXXX " loan '' account ( XX/XX/XXXX and XX/XX/XXXX ). XXXX, nor XXXX considered this, or other submitted documents, that prove timely payments and suggest an error on the creditors part. I was a member of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) since XX/XX/XXXX ; I had XXXX credit product, a XXXX card ( " loan '' ) displayed on my XXXX credit report as " account # XXXX. '' XXXX XXXX XXXX bought XXXX around XX/XX/XXXX, and just recently ( XX/XX/XXXX ), Pentagon Federal Credit Union ( " XXXX XXXX' ) bought XXXX XXXX XXXX ; However, XXXX STILL shows the XXXX account as XXXX XXXX ( XXXX never updated the name changes ). The process of merging, transferring, and issuing new account numbers were phased-in by XXXX over three months : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 'My accounts ' page included my savings account and I would pay my XXXX by simply transferring money from the savings account to the XXXX account ( " loan '' ) : I provided that documentation ( " transaction record '' ) to XXXX showing this activity for XX/XX/XXXX AND XX/XX/XXXX, through XX/XX/XXXX ; this PROVES that my payment was made and was not 30 days late. Furthermore, when I click on the " Historical Account Information '' link I see that XXXX FCU has supplied XXXX with incomplete, erroneous, and contradictory information, yet XXXX continues to report it in violation of the Fair Credit Reporting Act. For instance : the " Date of Last Payment '' row says " XX/XX/XXXX, '' and the " Amount Past Due '' row says " XXXX '' for the months XX/XX/XXXX thru XX/XX/XXXX. The account was closed XX/XX/XXXX, yet XXXX is reporting that it was closed in XX/XX/XXXX. The numerous errors on the reporting of this account is causing me a financial hardship and interfering with my ability to obtain other credit products.
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| 10/27/2021 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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On the morning of XX/XX/2021, I received a notification from my insurance company ( XXXX XXXX XXXX stating that my mortgage insurance premium had not been paid by my lender Pentagon Federal Credit Union ( PenFed ), from my escrow. I then proceeded to login into my mortgage servicing portal online at PenFed. I saw that a payment was made to a XXXX mortgage insurance policy on XX/XX/2021, in the amount of {$1700.00}. I have never had a XXXX mortgage insurance policy and called PenFed to figure out why my account reflected the wrong policy and why this money had been paid to the wrong account. I was told by PenFed to call XXXX to discover why I had another policy.
XXXX discovered that the policy that was paid from my escrow account was for an address similar to my own and that they thought this was an error of double payment. XXXX stated that they refunded the money sent to them from my escrow account to that other homeowner. I spoke with another PenFed rep, and they informed me that I had to try to get the refund from XXXX for an account that was not mine and a significant error on their part. I was provided the check number and the dates the erroneous check was sent and cleared from PenFed and asked to provide that information to XXXX in an attempt to fix the situation. I asked why I had to coordinate between both of the companies ' mistakes and why PenFed couldn't take the lead in correcting this problem, to which I was given no sufficient answer.
On the final call on the evening of XX/XX/2021 to XXXX, their insurance billing team stated that I needed to have PenFed fax them a copy of the erroneous check and that they would investigate it. This completely contradicted the conversation I had hours earlier with a PenFed and XXXX rep at the same time.
I called PenFed on XX/XX/2021 at XXXX XXXX to request that they fax the check image to XXXX to start the investigation. My account information for the mortgage still reflects the wrong policy number in the PenFed system. Also, I asked how my mortgage insurance policy premium would be paid now that my escrow account would not cover the balance, and it was past due on XX/XX/2021. I was told that PenFed would look into it.
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| 03/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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One of the leading Credit union in DC area ( Penfed ) is misleading the consumers on the credit card promotion. I have called them couple of times and explained the situation but they have refused to provide with the {$100.00} credit for spending {$1500.00} in first 90 days.
Here is the chronological order of events.
I applied for the credit card on XX/XX/XXXX and I got an email on XX/XX/XXXX that my credit card was activated. I reached back to Credit union immediately that I didn't receive the credit card and wanted to make sure it was not stolen and activated by some one else. I was informed that the credit card was mailed on XX/XX/XXXX and due to postal delays etc, I was not able to activate the card until XX/XX/XXXX.
I waited till Mid XX/XX/XXXX to see if I will get the {$100.00} promo applied, I called Penfed and the customer representative informed me that I met the condition and it will be applied in couple of weeks. So I waited and called them back in XX/XX/XXXX and opened a support case ( XXXX ). That's when I got the message from penfed that I didn't qualify and the previous representative didn't check my information correctly.
So when I pressed for more information about the why my {$100.00} promo was rejected by penfed. I was given XXXX of the weirdest explanations that 90 days count from the date of the application approval ( aka XX/XX/XXXX in my case and ended on XX/XX/XXXX ) and that I only spent {$1400.00} dollars about 90 $ short of {$1500.00} goals. The advertising is very deceiving. I was surprised that that they consider application approval as account opening date, I never had a credit card company that considered a card is open until the physical card is activated by the consumer.
I have spent more than {$1500.00} threshold by XX/XX/XXXX ( aka XX/XX/XXXX XXXX email of approval ) and if you go by the credit card activation which was XX/XX/XXXX till XX/XX/XXXX, I have spend lot more on my credit card. So I requested the Penfed to honor by {$100.00} promotion reward and they rejected it.
so I am asking CFPB organization to support innocent Customers like me and many of our armed forces who rely on penfed for there financial needs.
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| 06/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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XX/XX/2019 A payment attempt was made for the full amount of {$9200.00} instead of the minimum payment. This was my fault as it was the first time I used this card and usually when I get a new card I set up auto pay with min payment. This is how I have it set up for all 30 of my other cards and is why I have a PERFECT PAY HISTORY FOR 10 YEARS.
In this case I somehow must have selected pay full instead. I discovered something was wrong XX/XX/2019 when I logged into the website for a routine check and noticed the payment had not been made. When I called customer support I was told that my account had been froze due to non payment. I explained the situation and how I made an error by selecting the entire balance and they said it was just routine since such a large charge was attempted. I was then transferred several times until finally I was told someone would have to call me back.
XX/XX/2019 - XXXX I called back since nobody returned my call and notified them I was still not able to make a payment or access my account. THIS IS WHEN THEY DROPPED THE BIGGEST BOMB I HAVE EVER HEARD IN MY ENTIRE LIFE. The woman on the phone notified me that my account had been cancelled. I almost lost my mind since I have had a perfect payment history with everyone of my 30 open accounts as well as the 2 with them. I told them this must be a mistake and to please check again. I was told to call back at the end of the day.
XX/XX/2019 - XXXX I called back and re told my story and pleaded with the person on the line to please not cancel my account as it was more than just taking a XXXX hit on my debt utilization but we were also in escrow to buy our first home and this would devastate our credit as well as we would not qualify for our home loan.
XX/XX/2019 I just today was sharing with a friend my concern and he shared CFPB with me. The most ridiculous part of all of this is that I still dont have an answer as to why they just closed my account after perfect payment history with them with no explanation????????????
Here are the 2 cards I have with them PenFed Platinum Rewards Visa Signature and XXXX limit not a single late PenFed Promise Visa XXXX limit not a single late
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| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX I received a credit monitoring alert that there was an inquiry to my XXXX Credit Report from a company called PenFed Credit Union. I noticed other similar inquiries on the same day from other entities. I feared I had become the victim of identity theft, and in fact that is exactly what happened. I had several home loan and personal loan type applications made in my name across several companies.
I called PenFed on XX/XX/XXXX to inquire about the inquiry, and they had no record of it. The rep I spoke to was in the Home Loan department, and indicated it might have been another type of loan, but those departments would not be open until Monday.
On XX/XX/XXXX I put a fraud alert out on my credit report, I also froze my credit reports, because I feared the inquiries would not stop unless I took this action immediately.
On XX/XX/XXXX I called PenFed again and spoke to the personal loan department, and the credit card departments. Neither of these departments had any indication that I had applied for a loan with their company. I asked to speak to the fraud department, and I was told they were internal only and that they do not speak to customers.
Later that week, maybe XX/XX/XXXX, I called again to follow up. Thinking maybe it would take some time to get into their system, but again the rep had no records indicating I had applied for any financial product at PenFed. I worked on the phone with the rep for over an hour creating a report for him to send to the Fraud department, who was supposed to get back to me within 2 weeks. They never reached out.
Meanwhile, since they had no record, I figured disputing the inquiry at XXXX would be no issue, as they clearly wouldn't be able to validate the inquiry. My disputes to XXXX on XXXX, XXXX, and XX/XX/XXXX were all denied saying they had validated the information with the lender and that it was a legitimate inquiry for a loan.
On XX/XX/XXXX I received a letter from PenFed indicating that they have denied my ( fraudulent ) Personal Loan Application. However, they are obviously still treating it as a legit loan application and not as fraud as they have been alerted to on numerous occasions.
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| 08/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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In XX/XX/2022 I was buying a new Car for my husband the dealer ships had extremely high rates. I applied with Pentagon Federal credit union was pre approved for the loan. Once i inputted the vin number there system could not pull it up in XXXX because it was a new car.
I then reached out to customer service about this and they said if the program couldn't pull it up then they couldn't do anything about it.
on XXXX XXXX I emailed XXXX XXXX the CEO for PenFed about the issue i was having with there system and being surprised the advanced technology that they had that made the merger with XXXX XXXX XXXX XXXX XXXX such a good thing wouldn't allow me to finance a new car at the 4 % or so rate versus the 11.04 % the dealership presented me with.
I then receive a call from XXXX this person was requested by XXXX to call me. During our conversation she said that there were a few issues with the system that they were hopping to have worked out in a few month and were going into XXXX at the end of the month. But that if i go ahead and get the car then penfed would refinance it as soon as they could. She would also let me know how the testing went and when it would be available.
I never heard back from her. So i went online and try to refinance my car and was declined on XX/XX/2022. As of XX/XX/2022 I have failed to recieve the adverse desion letter from Pentagon federal credit Union.
I reached out to XXXX on XX/XX/2022 no reply.
I reached out again on XX/XX/2022 and received a call from XXXX XXXX. She stated that she is requesting the adverse action letter to be e-mailed to me in the next 24-48 hours. She said there is nothing they can do about the denial. Unless i provide documentation to disprove XXXX. But i still haven't received this letter so that i can begin this process and credit reports are only good for 30 days. I asked about the promise of Pentagon Federal credit union to refinance my car and she ignored it.
At this time it looks like on the loan end Pentagon Federal Credit Union is going to cost me at least XXXX dollars in the first 12 months of ownership from there lack of willingness to refinance my car as they promised.
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| 02/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I made a return on XX/XX/XXXX at XXXX p.m. at XXXX XXXX XXXX a car dealership. The charge was for holding a car so that it would not be sold. They refunded the hold on my credit card which is {$300.00} on XXXX 2022 at XXXX p.m. I have the receipt. PenFed credit Union the issue of the credit card, has been telling me if they can see the return as pending since the date of return of the hold. They told me I needed to be more patient and wait 7 to 10 business days, lecturing me on how holidays and weekends don't count. Telling me that they would give me a refund for all the interest I am accruing everyday the {$300.00} is on my card. Till today XX/XX/XXXX when I call to check on the refund since it's not showing on the app, they say they don't see the return pending. That I should do a dispute of the charge today. I asked for a supervisor to call me, because I felt like saying that I did not use the card to hold a vehicle on the XXXX was kind of a lie. They told me that was my only option, even though I have had XXXX different Representatives tell me they saw the item as pending that I just needed to wait. They are very rude, I have reached out to the dealership they gave me the finance manager name phone number I talked to him, he has offered to talk to them directly to resolve this issue. I have offered to give him his name and phone number but they are not really concerned and do not really want his name or number. Now today they are telling me I'm not going to be able to get my money till XX/XX/XXXX. Which is totally new. It seems like every time I call I hear a different story out of PenFed I have a copy of the receipt I've called the car dealership who gave me the return twice, they don't know what the problem is why they won't give me the credit even though it was pending on their side for over a week. So they're very blont with me today telling me I was just going to have to wait till XX/XX/XXXX now so they're going to charge me interest on this {$300.00} from the XXXX all the way to XX/XX/XXXX. If you need to know any other information like credit card number a screenshot of the receipt or anything like that I will give it to you.
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| 08/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I opened a bank account with PEDFED with intentions of building a relationship.I applied for a credit card during the process, I WAS APPROVED!!! for a XXXX Credit Line. I was then asked to send in proof of income, I did it was accepted. the customer service rep indicated that my income was high and they get a lot of fraud from XXXX XXXX. I waited 10 days the card never came. I called and I was told that the loan processor wanted to speak with me, I called back and I wasn't able to speak to the loan processor, but the The rep told me they wanted to verify my job, they pretended to call my job, never spoke to me, the guy name XXXX XXXX left a message from XXXX, I'm guessing he wanted to find out my race. I called XXXX back and never got him on the phone, the CSR told me that everything was find and they were sending the card via XXXX. I believed him, and waited a few more days and nothing came. I called back and I was told it was denied. I was shocked because it was already approved, that's not how it works. banks don't lie to their customers. So I wrote a letter asking to reconsider my request which was odd because this bank did everything possible not to honor my approval and then lied multiple times, sent out false letters of the reason.
I wrote : I was told twice that I was approved. I was told the card was sent out to me via XXXX XXXX yesterday I sent in my check stubs almost 2 weeks ago. I am gainfully employed earning a great income this year with no long-term debt. I was told someone from PenFed called my job and hung up, they have caller ID. I am requesting your reconsideration of the original credit line I was approved for, I have similar credit limits rarely used, My creditworthiness is not the issue. The letter has the wrong information. I am employed and I sent you proof of income.
I was then told via email to send in my taxes, I said OK but before I could do that I was treated like a criminal, I was told they really didn't want to see my taxes and that they have decided based on my ethnicity and location that they will continue to not honor my approval. Attached is them doing everything not to honor my approval.
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| 12/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XX/XX/2019 I called PenFed Credit Union to submit an application for home loan. The call was answered by XXXX XXXX who asked me a series of questions and quickly determined I was pre-qualified for a loan. He proceeded to set up a portal for me to forward information and sign papers to continue the process. So far, so good. On XX/XX/2019 I was contacted by XXXX XXXX Identifying himself as my mortgage processor and he emailed a preliminary list of items needed to continue the process advising me to have them sent in 48 hours. Once received he stated, he would review with his underwriting partners. He went on to say once that review is completed, he would know the requirements needed get the loan in for final review with his underwriting partners and off to closing. One item on the list was my tax returns which I downloaded and forwarded on XXXX XXXX and was confirmed to have been received in the portal.The remaining items,17 pages, where scanned and emailed to XXXX at XXXX CST on XXXX XXXX from the XXXX XXXX service desk in XXXX Mo XXXX Now hear this, I would NEVER hear from XXXX XXXX again!! Despite numerous unanswered phone messages and numerous unanswered emails trying to get an update on the process, I never got one response. At the same time, again on numerous occasions, I began calling and emailing XXXX XXXX trying to get answers but to no avail. Again, many calls and emails with XXXX have gone unanswered.On one contact with him on XXXX XXXX, I stated my case and I was told " I will look into it sir. '' Then, after XXXX instructed to resend the 17 pages, I responded by both emailing and faxing the same to BOTH XXXX and XXXX on XXXX XXXX. Never got a response. Furthermore, in the correspondence email from XXXX, the name of XXXX XXXX, XXXX was given as the person to contact with concerns. I called and left 3 messages on her voice mail that were never returned. Can you believe it? After 2 months I am no further ahead obtaining a loan than I was on XX/XX/XXXX and after XX/XX/2019, the last day I had a communique with XXXX XXXX, I was dropped like a rock. No closing date, no money, no communication. Period. End of my story.
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| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I hereby formally request an appeal to XXXX XXXX, My current Mortgage lender, about the decision to not granted the removal of the PMI from my Loan Mortgage and reconsider approve the removal of the PMI from my Loan Mortgage based on the following factors : 1. The original loan amount of the Mortgage was {$390000.00} 2. The current balance of my loan as of today XXXX XX/XX/XXXX is {$380000.00} 3. The appraisal made to my property on XXXX XXXX by XXXX XXXX at my request was estimated at {$480000.00}.
4. Putting the current value of my home in perspective with my current loan balance results in an increase of 21 % = {$98000.00} of equity build on my property, which makes my Mortgage loan qualify for the PMI removal currently imposed on my loan. The Federal Homeowners Protection Act gives Homeowners the right to remove PMI from your home loan in two ways.
you can request the removal of PMI when you reach 80 percent home equity ( which is my exactly my case, or You can get automatic or final PMI termination at specific home equity milestones.
5. Another two point in my favor is that my mortgage payments are made on time automatically, taking the payments from my checking account at the P.F.C.U. It is my intention to keep it that way during the life of the loan.
6. Finally, another point of great importance that is worth highlighting is my job stability and service record of 32 years civil services as a federal employee working for the Department of the Defense and with an impeccable record of credit history of 32 years without reflecting any late payment.
Pentagon Federal Credit Union is the financial institution that currently servicing my loan, I sent numerous email to them ( PMI Mortgage Department ), asking them via email need to speak with a Loan Manager and they never pass me to no ones. All the communication from XX/XX/XXXX until now has been via email ). They said that they speak with the consumer.
In the hope that the information provided will help you reconsider your decision to now approve the removal of the PMI from my current Loan Mortgage.
I remain with you very kindly, Mr. XXXX XXXX XXXX email : XXXX XXXX
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| 05/26/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Older American, Servicemember |
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The backstory as I've been able to find out to date is I was refinanced into a XXXX HELOC from Pentagon Federal Credit Union of {$75000.00} in XXXX. I think this loan was originally for a much smaller amount but I was XXXX on active military service and the loan needed servicing which I was unable to personally take care of. So I ended up setting up an automatic payment HELOC with the objective to fully pay it off when I sold my current home. Approximately 3 years ago Penfed advised me my $ 150 monthly payment was not covering interest so I upped the automatic payment to {$200.00}. About six months ago, PenFed said the interest on the loan was not being covered. I personally tried to do something to get this loan into more manageable status. I am retired from military now but work on landscape jobs and was busy getting ready for my next season of work amid the developing pandemic crisis and look after my aged mother 's safety. So I continued to do the auto payments.
So now, what happened is I received a computerized payout on Monday, XXXX XXXX advising me the HELOC was due XXXX XXXX for principle and interest of {$51000.00}. I was shocked and surprised as I was trying to continue working. I took time away from my business to call many places at PenFed and have documented the email and phone contacts. It was not a satisfactory process. I am trying to refinance the HELOC and have not yet been able to talk to the right phone contacts. When I personally ended up taking the risk to visit PenFed on Sat, XX/XX/XXXX I was advised their loan dept would be open again after the XXXX XXXX XXXX. Which is where I am now.
I intend to try to pursue a refi and a mortgage that will include payoff but it's not going to begin to happen by XX/XX/XXXX, less than a week now. This at the least presents an entirely unreasonable way to settle the loan payment which I am responsible for. I can pay more, I have a good credit rating which I've worked diligently to acquire, at XXXX as of XXXX XX/XX/XXXX. However, it looks necessary to start the complaint process to protect my interests from further unreasonable and unnecessary exploitation and stress.
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| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American, Servicemember |
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Why would the Pentagon Federal Credit Union place me into a mitigation program when I have never been late on a mortgage payment? Because they intentionally created a late payment when the loan for the balloon payment was being processed, so they could place this account into mitigation and they would not have to go forward with a risky foreclosure on a XXXX XXXX XXXX, XXXX veteran. I have been a member with PenFed for 40 years. A first mortgage for 20 years and a second mortgage for 15 years with several credit cards and have never defaulted on any of my obligations. I have immaculate financial integrity. XXXX years ago, the PenFed representative talked me into a interest only loan, so bad they do not offer it anymore. It matured in XX/XX/2023. In XXXX I submitted an application to pay that loan off. With artificial qualifiers, they said I did not qualify ( I had already been paying that loan for 15 years ). They intentionally delayed their processing by asking for superfluous information, information they already had, claiming I owned a home that I didn't, failing to submit subordination paperwork to the SBA causing the 2nd mortgage loan balloon payment to become due while they had control and custody of that loan. Then they submitted to the credit bureau a late mortgage payment, allowing them to put me into mitigation and prevents me from obtaining a mortgage loan from other lenders to pay off the PenFed loan. a perpetual interest only payment. I implored to the loan offer to correct their mistake, he refused. I contacted XXXX XXXX, on the Board of Directors and he took sides with an incomplete narrative, which lacked full disclosure, from his employee. I contend Penfed was unjust in submitting a late mortgage payment to the credit bureau when they had custody of that loan and had plenty of time to process new payments, which I can clearly afford to pay. Now, they have stolen {$210000.00} from me. The amount another mortgage loan company was at the cusp of approving until the credit bureau flagged my account. I can not pay off Penfed as long as I have a missed mortgage payment recorded with the credit bureau
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| 06/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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This goes hand-in-hand with my previous complaints filed with your company regarding pentagon federal credit union . they sent me repossession letter dated XX/XX/2023 Giving me 21 days from the date of that later to pay the past due balance, where they were going to repossess my car. However, I did not receive that letter until XX/XX/2023, which would be shown on the certified mail return receipt requested form that I signed at the post office on XX/XX/XXXX. I have been trying to contact them daily since receiving that letter. The contact name provided on that letter was XXXX XXXX. I have left multiple voicemails for him dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all have been answered, and all have been not returned. I even emailed them asking what theyd suggest I do. As of yet, I have received no return phone calls and no emails addressing my question and it is now the XXXX day from the date of their letter even though Ive only known of it for four days. Pentagon is more interested in destroying their customers credit and treating them like XXXX than actually working with them and doing the right thing so just updating your phone number so they can access their account. If you could address this, tell me what I need to do in order to start the process as I have received no return phone calls and no emails addressing my questions and it is now the XXXX day from the date of their letter even though Ive only known of it for four days. Pentagon is more interested in destroying their customers credit and treating them like XXXX than actually working with them and doing the right thing such as updating a phone number so the customer can access their account. If you could address this, tell me what I need to do in order to serve process on them or file a complaint - because Ive asked them for that information also and they wont respond. Ive asked them for mediation or arbitration. Ive as for their registered agent information. Ive asked for their legal team to contact me. They refuse to provide me any info or give me any access to my account- its not right what they are doing. I need help.
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| 10/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I had received a credit card offer from " PenFed Credit Union '' for the " gold card '' which I considered to applying. Per submission of application for that " pre-approved '' offer, they requested my prior tax returns for 2 years. I first submitted documents on their upload page and never received a confirmation. Many days went by with me hoping they will respond but they never did so i called them instead. The agent i spoke to on XX/XX/XXXX claimed they don't see a single document uploaded. I then, literally while on phone, accessed upload link again and reuploaded documents so that they have the documents as they direct my application. The agent who spoke to me said they would give me a response next day, if not then latest the day after. I submitted them and never received a confirmation email yet again so I decided to take a picture of the " successfully uploaded '' page for personal records. Days went by and i got busy until i decided again to follow up with the credit union. This time i spoke to another agent and she told me the application was rejected because the application was closed and they never received any documentation like before. Absolutely ridiculous! Every agent i ever spoke to had a different statement, their technology is extremely unreliable as they cant even seem to find my application with my name and ssn in first place, let alone any documents. I provided her each individual reference number of each upload ( which she refused ever even took place rudely ) and only then was she able to even pull the documents out. Then she claimed that i was late in uploading documents after saying they never received them when the first agent literally told me they'll respond to me in within 2 days most. This is negligent business practice. Not only was i treated unfairly but i have an credit inquiry on my credit report which cant be erased. I request you to look into their unprofessional approach of client management. The recordings they have of our conversations will speak the truth as well. If you need supporting documentation, I can you provide all those as well as mentioned.
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| 09/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2019 I called Pentagon Federal Credit Union to inquire about a pre-approved credit card offer that I received in the mail. I told the representative with whom I spoke that I was not interested in the card advertised in the mailer ( a Visa card ) but that I would like to know if the pre-approval applied to their other card products. He told me in no uncertain terms that it did. As far as I knew, he then assisted me with applying for a different product, an XXXX XXXX card, for which he told me I was approved. I found out the following Monday that this representative had lied to me, and in fact he had processed an application for the Visa card without my permission. After numerous phone calls to PenFed and discussions with supervisors I was told that the credit union would not honor the approval for the XXXX XXXX card, which was the only card I was ever interested in opening with this institution. One representative suggested that I simply put in a new application, which I did on XX/XX/XXXX. This application was declined. The result is that PenFed placed two " hard '' inquiries on my XXXX credit report. I have asked them to remove the inquiry from XX/XX/XXXX, since I never consented to apply for the Visa card and in fact the representative I spoke with lied to me repeatedly and told me he was processing an application for the XXXX XXXX. I was told by a couple of people at PenFed that this inquiry could have been placed either in connection with the credit card application or in connection with my joining the credit union, a condition of opening a credit card account. Since none of this was disclosed to me at the time and I never gave my permission to have my credit pulled for any purpose other than to apply for an XXXX XXXX card I reiterated that I expected that inquiry to be removed from my report. I was told by the last supervisor with whom I spoke that the tapes of my initial phone conversation would be reviewed and that I would be contacted after he determined what happened. This was in XXXX. I never received any follow-up call, and the inquires have remained on my XXXX report.
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| 04/05/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
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XX/XX/2020 - Called by phone and talked to XXXX. I said I have a divorce decree and court order for the division of assets. How can I get 50 % of the assets? Can I just send the divorce decree? How can I process this and get the money? She said, you will need to send the divorce decree to XXXX. So, I sent a digital copy of the divorce orders to the email she specified. And, I mentioned the account details and that the divorce orders were a default judgment and that we have not been able to contact him. And, on the same day, I received email confirmation of receipt of the email. On the same day, I also emailed the same email address asking to freeze the account to stop the withdrawal of money from the account.
XX/XX/2020 - Asked for updates on the same.
XX/XX/2020 - Again I sent email explaining the same situation from XX/XX/2020. I received email confirmation of the receipt of email.
XX/XX/2020 - They said they are unable to process the request and that the account holder must make the request himself. They said I could take legal action against him even though this was a default judgment already.
XX/XX/2020 - I sent a physical copy of the judgment to the Nebraska Penfed address by USPS 2 day express mail.
XX/XX/2020 - They said a member service representative must speak with you regarding the account. So, I called them and they said they will send a document by email with instructions for withdrawal. They told me that I need to fill the form from the email and send it back. So, I printed it out and then I was stuck because they sent me a form which was unclear and from my interpretation required his signature.
XX/XX/2020 - I called Penfed and they said the account holder must sign the form and that I will not be able to sign the form. I told her that it was a default judgment. She restated that only he could sign and that I needed to get legal advice.
XX/XX/2020 - I talked to Penfed again and explained the same situation and they repeated the same advice and did not help me.
So, Penfed has not acted on the court judgment orders as they were stated in the legal document.
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| 03/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have had an auto loan with Penfed for a 4+ years. I make my payments online through their website but recently, even though I have been trying to make my last loan payment for the past two months, I have been locked out of their site.
I live in XXXX and occasionally go to XXXX for medical treatment, so all my payments are made from the same locations, with the same IP addresses.
I was going to XXXX, so I tried from XXXX to make an address change online so that I could receive the discharge documents at my XXXX address.
There are no land lines or cell towers available at my residence, so i had canceled my cell service about 3 years ago. I have been totally XXXX for years now, so I rarely leave my house.
When I tried making the address change to XXXX ( which was my previous address on the loan as well before I moved to XXXX ), it wanted a phone confirmation so I canceled it since the phone number they had was no longer operational ( no optiom to change it or receive an email confirmation either ).
So I decided to change the phone number to an IP phone, but in order to do that, it again wanted to send me a confirmation through MY OLD PHONE NUMBER. What kind of stupid programming does that? Why would anyone get a new phone number and retain their old one? As a result, it locked me out of the system and I couls not get back in, with a message to CONTACT THEM BY PHONE.
I sent them 2 emails and a message through their automated message page on their website explaining my situation, yet the only reply I received was one telling me to call them. I live in XXXX XXXX in XXXX. Other than gas station stores, there are no stores, pay phones or even public transit service. I would have to drive 40+ miles to XXXX in extreme snow, which I DON'T, and then drive around until I could find a public phone ( which I am not even sure as to whether there are any ).
So I want my account unlocked so I can make my layment and I will not be paying any fees for late payments either. In this day and age, what kind of website doesn't give you the option to be contacted by email???
Thanks ...
|
| 03/30/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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|
Web |
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For the last 2.5 years, the creditor, Pentagon Federal Credit Union ( aka PenFed ), continues to incorrectly report an account ( XXXX ) on my XXXX credit bureau report, even after multiple disputes to have them correct this multiple times for the last 2.5 years. This closed account is a former automotive loan. The vehicle was repossessed in XX/XX/XXXX and went into charge-off status in XX/XX/XXXX. Further, XX/XX/XXXX was the date of first deliquency that preceded the XX/XX/XXXX collection activity, thus the negative aspect of the account is now over 7.5 years of age, and the account should be deleted from my XXXX credit bureau report. It has already been deleted from my XXXX and XXXX reports due to such. Per Section 605 ( c ) ( 1 ) of FCRA : " ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. '' However, PenFed continues to report the account as paid as agreed and in good standing, and does not list any negative information, effectively re-aging the account. While some would find my situation ideal, the issue that I continue dealing with is many creditors see the account and assume I have outstanding debt. It drastically affects my debt to income ratio by being seen as outstanding debt, and I often get turned down for credit. No matter how many times I have attempted to contact PenFed conceding this, they never correct the erroneous data they are reporting, even when they agree with me that it is reporting incorrectly. This is a seriously violation of federal law. I have included PenFed account statements showing the date of first delinquency proceeding the charge-off, as well as statements showing the date of charge-off.
|
| 04/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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I have a credit card account with PenFed Credit Union. Account ending in XXXX. On XX/XX/2023 I received a monthly statement with a statement balance of {$10000.00}. Because this balance exceeded the credit limit on the account, PenFed deactivated the card so no further charges could be made. On XX/XX/2023 I made an online payment from my personal checking account with XXXX XXXX for {$10000.00} to this PenFed credit card account. PenFed records show that this payment was received and credited to my account, my credit limit was increased, and the card was reactivated and used to make purchases. XXXXXXXX XXXX records show that this payment was withdrawn from my account and the transaction posted. On or around XX/XX/XXXX, my card stopped working. On XX/XX/2023 I spoke with PenFed Member Services who confirmed the payment was processed and received by PenFed from XXXX XXXX. I was further informed that because the payment amount exceeded my total credit limit, their policy was to hold the payment funds for 7 days before releasing them and applying them to the credit card account. I was told my card would remaining deactivated until XX/XX/2023, at which time the funds would be released and payment applied. When I asked if PenFed had received the funds from XXXX, she said yes. She repeated that they were holding the funds and would not apply them to my credit card account until XX/XX/2023. At that point I became concerned that PenFed was holding my funds for such a long period and asked for a supervisor. I was told a supervisor would contact me, but no supervisor has returned my call. I called XXXX XXXX, who confirmed that the payment transaction for {$10000.00} had posted to my account, the funds had been withdrawn, and were sent to PenFed. At this point my credit card remains inactive, PenFed has confirmed it is holding my funds, and will not release them for application to my credit card account. It does not seem appropriate for PenFed to receive and accept a credit card payment on my account, then reactivate my card for use, then deactivate the card and hold my payment for 7 days.
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Per the FCRA, as a federally protected consumer, I opt out of any and all authorizations that I may have given you verbally or non-verbally, written or unwritten effective immediately and indefinitely per 15 USC 6802 ; a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Also per The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.
The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The companies involved are XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
|
| 08/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
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Web |
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My PenFed Visa card was used 9 times on XX/XX/20 for a total of {$180.00}. I am the only one in possession of this card, and I pay at the pump. On XX/XX/20, I spoke by phone to XXXX, ID # XXXX at PenFed lost & stolen office providing him with this info. I went over this again on XX/XX/20 with XXXX at member services. She referred me to XXXX at fraud where I left a voicemail and received no response. On XX/XX/20 I filled out the fraud report mailed to me by PenFed which erroneously listed 4 charges totaling {$58.00} that were not fraudulent but did not list the 9 fraudulent charges totaling {$180.00} that I had reported. I enclosed a note under comments and also enclosed a copy of my statement highlighting the 9 fraudulent charges. This was faxed to XXXX. On XX/XX/20, I spoke to XXXX, ID # XXXX, who said I was credited for the {$58.00} ( legit. charges ) but not the {$180.00} which were the fraudulent charges. XXXX said he had to add the {$58.00} back on and then have the {$180.00} credited. After receiving my latest statement, I saw that the matter still was not rectified. On XX/XX/20, I received an Email from XXXX XXXX from the fraud unit at PenFed which reflected that she did not have any knowledge of my issue and referred to something else. I can forward you her Email and my response. On XX/XX/20, I received a notification that my Email was read. On XX/XX/20, I spoke with XXXX at customer service, ID # XXXX, and supervisor XXXX XXXX at XXXX. XXXX. Although Mr. XXXX took down all of my information, nothing was accomplished. On XX/XX/20, I spoke to XXXX at ext. XXXX, who stated that the 4 valid charges totaling {$58.00} would be put back on my statement, which they were, and that she would forward my concern about the {$180.00} to the proper people. On XX/XX/20 I filled out another fraud report mailed to me by PenFed which again erroneously listed the 4 charges totaling {$58.00} that were not fraudulent but did not list the 9 fraudulent charges totaling {$180.00} that I had reported. I faxed another explanation along with supporting documents. No resolution to date.
|
| 01/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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We just closed a house with Pentagon federal credit union yesterday ( XX/XX/2022 ), we have been very frustrated with the whole process. The loan officer whom we worked with, XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) was incompetent and rude. She made a mistake locking the mortgage rate for us for only 30 days, days before the listed closing date. And then she charged us for a fee for the rate extension. In her email, she told us that we will be receiving a credit, so we don't have to pay the fee ( email attached ). However, we never received the credit.
She sent us multiple closing disclosures with errors. The night before closing day, we still didn't see the credit being added. She said she was going to fix it in the morning of closing day, but she never did. We called her multiple times and left messages and emailed her many times, still couldn't get hold of her. She just disappeared. We decided to just go ahead with the scheduled closing in the afternoon and solve this later. After closing, she sent us an automatic " Thank You '' email, but never responded to our multiple requests to solve this problem. Normally, loan officers will walk you through the closing disclosure and explain to you the numbers, but XXXX never did anything like that. We had never been able to talk to her over the phone. She kept sending us documents with errors and we had to check it all the time. It was a very frustrating and stressful process.
Whats worse, the loan processor who worked with XXXX has requested the same documents again and again, even 2 days before closing. We had sent them XXXX documents in total and had to go through a conference call to prove that we paid mortgage for our current house ( we literally thought it was a scam call ). My husband and I both have credit scores of XXXX, we autopay our mortgage. The level of scrutiny on their part and the lack of professionalism is unfounded in the mortgage lending industry.
We don't know how other loan officers at PenFed are, but we've had a horrible experience. We will not use PenFed for any mortgage needs in the future.
|
| 04/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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I have two areas of Concern.
1st - For my Pentagon Federal Credit Union XXXX Credit Card on XX/XX/XXXX I received a 12 month 0 % balance transfer of {$9000.00} to help pay off another credit card. I have been paying on this credit card for 10 months. The expiration of the 0 % transfer is due to expire on XX/XX/XXXX according to my statements. On XX/XX/XXXX I called Pentagon Federal inquiring on another balance transfer for another 12 months at 0 %. In the discussion the attendant told me that any payments would buy down the first 0 % balance transfer made on XX/XX/XXXX as long as no interest or other purchases were made. I then decided, on XX/XX/XXXX to have another 0 % balance transfer of {$6000.00} to help pay off another credit card. I paid {$950.00} that month and all the money, minus balance transfer fee, went to the XX/XX/XXXX balance transfer. On my XX/XX/XXXX statement I made another {$950.00} payment where {$580.00} went to my XX/XX/XXXX balance transfer and only {$180.00} went to help pay off my XX/XX/XXXX transfer. I called Pentagon Federal on XX/XX/XXXX and asked why it was not paying off my 1st transfer and they said something about congressional calculations and they had no way of fixing or having my payments go first to the promotion XX/XX/XXXX transfer. In this case I will be paying interest on the first balance transfer until I have both balance transfers closed out. This was not explained to me and Pentagon Federal said they could not " allocate '' how the payments are done. Please help me with this as I never intended to a 0 % balance transfer cost me any interest. They are not taking the Expiration date of the 0 % balance XX/XX/XXXX into account and not considering that I still have 10 months to pay off the other XX/XX/XXXX balance transfer at 0 %. It looks like they are penalizing me on having two 0 % balance transfers.
2nd Additionally on a separate note, It appears they changed the expiration date for both transfers from the XX/XX/XXXX and XX/XX/XXXX Statements confusing me as to when the expiration of each promotion was to end.
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| 05/10/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
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Web |
Older American |
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I had a 15-month CD at Pentagon Federal Credit Union that matured on XX/XX/2023. I called the credit union to make sure the CD had a grace period. I was told on XX/XX/XXXX and also on XX/XX/XXXX that I had a 10 day grace period on the CD. So, I thought no problem, since I would continue earning interest. On XX/XX/XXXX, I requested to transfer the funds to another bank. At that time I was told the CD would be backdated to XX/XX/2023. I was not previously informed of this step, but I just assumed I would get 4.65 % APY interest for the 8 days the funds were in a grace period. To wire funds to another bank, I had to put the money into a savings account at Pentagon Federal. I preferred the premium savings account ( 2.70 % APY ). I was told that you had to get special permission to open this account and it was Friday and I did not have enough time left in my grace period to complete the required procedures. My only option was to transfer funds into the regular savings account ( .005 % APY ) that I had opened for initial membership. Once the funds were transferred to my Pentagon regular savings account, I only saw an additional {$.00}, surely this was not correct. Afterwards, I asked for the paperwork to read their procedures for myself. To my surprise, my CD did not have a grace period. Why didnt anyone tell me this at the credit union ? I depended on the spoken word of several specialists, saying that I had a 10-day grace period. If I had known that I didnt, I would have transferred the money at maturity. They should have said I had no grace period or we will give you a 10-day grace period with no significant interest. They are keeping quite a bit of interest on the 8 days that they backdated my CD. Pentagon Credit Union is planning to pay me .005 % APY ( {$5.00} ) on thousands of dollars, not the interest rate where the funds actually were. Are they telling everyone who do not read the fine print that they have a grace period? Afterwards, you are left to their procedure of backdating CDs and giving you as little interest as possible. Is this process legal?
|
| 02/07/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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Re : XXXX - XXXX - XXXX Initial PenFed representative lied to me, and eliminated an important Heloc option that was still available to me : Email from XX/XX/2018 : " Due to a high debt to income ratio, XXXX does not qualify for the 5/5 product. Please have XXXX contact us to advise how she would like to proceed. XXXX ext XXXX. '' - XXXX XXXX, Mortgage Loan Processor, MLO # XXXX Because XXXX XXXX started to ignore the rest of my emails and was never available by phone, I was forced to contact the Executive Team. The Executive Team connected me with XXXX XXXX, Supervisor, 2nd Trust Mortgage Operations, MLO XXXX.
XXXX explained to me that the previous representative was mistaken. She told me that the product I initially applied for " 5/5 Heloc '' was still available to me. That I can opt in for it right away, and all she had to do was run a free appraisal report ( which she then sent to me ). If I wanted a higher line, however, someone would physically have to come and inspect the property. A physical appraisal comes with a {$450.00} fee.
Never once did she highlight the fact that after paying {$450.00} ( in an already distressed situation where someone came to Penfed looking for financial help ), that there's a risk of a denial for both of the initial products that were considerable options.
To summarize : 1 ) Mislead me and tried to force me into a product I never even wanted.
2 ) Corrected the previous mistake and offered me the initial product I applied for ( after hours spent on the phone and dozens of emails sent ), but recommended I pay them {$450.00} for an appraisal.
3 ) After paying the appraisal, denied me for both of the products that were offered as options.
Left me with - {$450.00} in my bank account. And 2 unsatisfactory options that were never even discussed initially, and that I am not in the least bit interested in.
If I had known in advance that paying {$450.00} opens me up to the risk of being denied both of the options that were initially offered, I would have never agreed to it. Feels predatory and done in bad faith.
|
| 10/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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We bought a new XXXX from a XXXX dealer using their financing with XXXX XXXX. We refinance to Pentagon Federal Credit Union ( PenFed ).
My complaint is with PenFed.
PenFed paid off the XXXX loan and requested the lien and title from XXXX.
XXXX sent the lien but not the title.
Two months later I get a threatening letter from PenFed saying that if I don't get the title from XXXX they will either raise my rate or use the lien against me. This is the first instance I've ever heard of any issues between the institutions.
I call PenFed and they said that XXXX XXXX did not send the title.
I call XXXX XXXX and they said " The dealership was late sending the title, so when PenFed made the request, we didn't have the title at the time. PenFed needs to call us again or make another request to send the title because we have it now. '' I call PenFed and tell them what to do. PenFed instead emails me their address.
I call XXXX and tried to give them the address to send the title to. XXXX XXXX refuses because they can only deal with the lien holder ( they must speak to PenFed ) I call PenFed and PenFed said they do not call other institutions to settle matters. That I now must go to the DMV to request the lien and title from XXXX XXXX, then make another request to put the title and lien back in PenFeds name.
I tell them " No. This is not my XXXX job to do your job. I did everything I am required to do as a customer, and you are using me as a guinea pig to do your work. And now if I don't do YOUR job, you are threatening me with raised rates or using the lien against me. Make another request to XXXX XXXX to get the dang title and everything will be settled. '' The next day ( today ) I get an email from PenFed saying I need to call immediately. I call them and after 1 hour of being on hold I am told that they denied my request and now I have to resubmit all paperwork with the state of Texas to fix this.
Since when do the customers ever get involved with situations like this?
PenFed has deliberately used extortion techniques to get me to do their job.
|
| 01/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Older American |
|
Received my monthly bank statement on XX/XX/XXXX for period XX/XX/XXXX through XX/XX/XXXX and IMMEDIATELY saw that my credit union processed ( XXXX ) fraudulent checks through my account. Our checking numerical sequence is currently in the XXXX range. The ( XXXX ) fraudulent checks were posted XX/XX/XXXX - # XXXX - amounXXXX XXXX} and XX/XX/XXXX - # XXXX - amount XXXX. We did not have a checking account with this credit union with those check numbers. We immediately called our credit union to report this. The representative closed our checking account, opened a new account and presented this issue to their internal fraud division. I then logged into our account from my desktop and was unable to see images of any of my checks. We have encrypted XXXX to prevent this from happening. Let me be clear- we do not do any financial transactions online. I only access my accounts to monitor them from my home, protected desktop computer. We do not have any APPS on our cell phones. We have gone to our credit union branch XXXX in person. XXXX XXXX we have been given different non-answers. We have called them XXXX XXXX XXXX times each day, going thru their XXXX process of XXXX - empty promises. They have REFUSED to provide us information and as of today, XX/XX/XXXX they have not returned the XXXX}. The XXXX was returned to our account XX/XX/XXXX. They claim that all images of checks have been erased from their files. Yet, they have sent images XXXX of our legitimate check # XXXX for XXXX} implying that they don't owe us XXXX}. It has been XXXX weeks. They refused to tell us what checks I had mailed prior to discovering the fraudulent checks on my statement! We had to call XXXX different payees. We did not receive new checks to be able to submit payments on time to our credit card, utilities, etc. We always write checks the day our bills arrive, always pay in full - never carry a balance and mail from inside of our post office within XXXX days of receiving our bills! We need to know who had access to all of our personal information and we need PROTECTION
|
| 08/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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|
Web |
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Good afternoon, I am filing a complaint for 3 consecutive 30 day late payments. 3 different month ranges for each of the credit bureaus reported by Pentagon Federal Credit Union. ( obvious mistake as the months don't even match bureau to bureau ) XXXX : 30 days late XXXX- XXXX XXXX : 30 days late XXXX XXXX:30 days late XXXX XXXX- XXXX ( Credit Report attached Per MyFico ) The circumstance : Every XXXX of the month a payment of XXXX is due ( along with a 5 day grace period ). In XX/XX/XXXX a letter was sent in regards to a missed payment and failure to make a full payment of XXXX. This blindsided us as we had just made a payment on XX/XX/XXXX of XXXX and XX/XX/XXXX of XXXX. That being said we were able to make a payment in full on XX/XX/XXXX of XXXX. We thought everything was fine and there were no issues moving forward with payments. This year ( XXXX ) my growing family began plans to purchase our first home and looking into our credit we had 3 consecutive 30 day late payments reported ( listed above ). I called " Penfed '' and explained that payments were made in ALL of the months in question how could I possibly have 30 day late payments reported. The customer service rep agreed after looking through my file and offered to send a email to the specific department ( dept cant be contacted by phone ) but I would need to consent for Penfed to do a hard inquiry on my file in order for them to see what happened. I did not want to add more damage to my file than what had wrongfully been done. As I mentioned before we are planning on purchasing a home. I told the rep I would rather just dispute this with the credit bureaus and have this removed that way. The rep understood and confirmed she would send a email with regards to this mistake. After disputing there was a response from the bureaus but nothing was deleted. I have been enrolled in auto pay as well as been a customer of " PenFed '' for over 3 years without issues aside from this one. Although I understand mistakes can be made, it is disappointing that this issue has yet to be resolved.
|
| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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I requested XX/XX/XXXX investigation about how the account is actually reported to all three credit bureaus .Wether or not is Metro-2 and E-Oscar Complaint.
Please reference to the CFPB complain copy attached.
On XX/XX/XXXX Company replied that the debt is valid .I have NOT questioned validation of debt.
I requested investigation several time already please see attached and have not received anything that looks like investigation report or even contract with my wet ink signature that I owe this company anything.
According to XXXX ( XXXX and XXXX are not even reported, because account is not verifiable ) last time this account was reported in XXXX.
That means that investigation was never started and/or completed.
According to Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) : The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.
In addition to that : Section 312 of the FACT Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes.
I addition to that : Direct Disputes Rule : 1022.43. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in XXXX, it allowed consumers to also file disputes directly with the furnisher.
Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information. ( Investigation Procedures. Under 623 ( b ) ( 1 ) )
|
| 02/29/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
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In late XX/XX/XXXX, I opened a HELOC with Pentagon Federal Credit Union ( Penfed ). The loan was to receive a promotional interest rate of 3.25 % on any balance drawn prior to XX/XX/XXXX. My loan closed on/around XX/XX/XXXX and I drew funds prior to the end of the year to take advantage of the promotional rate.
In XX/XX/XXXX, I received my first mortgage statement for this loan and it showed the interest rate ( and associated interest charges ) at the standard ( non-promotional ) rate of 5.25 %. I called the Penfed loan servicing department and explained my concerns and they acknowledged the discrepancy as a " known issue '' impact many accounts and that they were working on a system fix. I was told that my account would be corrected and the XXXX payment would be re-calculated at the correct interest rate.
A month later when I received my XXXX loan statement, it was still showing the incorrect interest rate and there was nothing done to retroactively fix the XXXX payment. Once again I called the servicing department and expressed my concern. As before, I was informed that a system fix was still in the works and that my account would be fixed shortly. Later that day, a customer service manager left me a voicemail confirming receipt of my call and her exact message stated that my account would be fixed and online account activity updated to show the correction no later than Friday, XX/XX/XXXX.
On Monday, XX/XX/XXXX, I logged into my account to find that it still had no been fixed, despite the promise that was made to me a week earlier. I submitted a secure message to Penfed indicating that they had until Friday, XX/XX/XXXX to fix my account or I would be filing a formal complaint with the CFPB for deceptive customer acquisition practices by offering promotional interest rates and then failing to abide by those terms. I received absolutely no response from this company nor has anything been done to rectify my account.
This is a complete misrepresentation on behalf of Penfed and the exact definition of bait and switch.
|
| 05/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I discovered inaccurate and incomplete information on my credit regarding this account. The account number in question begins with XXXX. I discovered that the account was not fully reporting correctly as it is incomplete and inaccurate. At which point I started a dispute with the credit bureaus in and around XX/XX/XXXX. In and around XX/XX/XXXX I received a letter stating this account has been verified. I asked for proof of verification including the specific person 's name, email, phone number, etc, who verified that the account is listed with 100 % Accurate and Complete Information as required by the FCRA. I never got a response to that request from the credit bureau.
I mailed Pentagon Federal Credit Union directly on XX/XX/XXXX at the address of : Pentagon Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Of which, as of today XX/XX/XXXX, I have received no response from Pentagon Federal Credit Union in writing. I then proceeded to do two other disputes with XXXX, XXXX, and XXXX. In each dispute, the information returned as " The information you disputed has been verified as accurate. '' I sent another letter directly to Pentagon Federal Credit Union dated XX/XX/XXXX and still to this day, I have not received any verification or response. The issue is that Pentagon Federal Credit Union is in violation of FCRA by not ensuring the maximum possible accuracy that can be. I have highlighted, circled, bolded, drawn, and written out several violations that you continue to allow to be reported to my credit report. I am giving you one last opportunity here to do the correct these errors as I am prepared to file suit for the harm and stress this erroneous reporting has placed upon me and the lost opportunities that have come from it. I have attached many documents to this case for your examination. If taken the time to look through them, I am sure that you will easily find a host of FCRA violations as I have. I am requesting this account be deleted immediately and a deletion letter be forwarded to myself as soon as possible.
|
| 05/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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I paid this card off and requested with a Penfed employee on the phone in XXXX. I was advised on the call it had been paid off and cancelled as per my request. I received a letter in XXXX saying my account was past due from a purchase in XXXX. I advised I had closed that card in XXXX and was advised via phone that my request had been executed. I placed the card in the company any shred bin ( as I have always done with any card I close ). Penfed advised there were two purchases made in XXXX which are not my purchases. They are now saying since the card wasnt cancelled until XXXX ( when I called about the charge and advised that the card had in fact had not been cancelled when one of their employees advised my request was executed as requested in XX/XX/2021 ) I am unsure why the employee advised it was cancelled in XXXX when it was in fact not. They are trying to hold me accountable for the {$960.00} due to what I feel was a mistake on their employees part. Of course if I find out in XXXX a purchase was made on a card I was told was cancelled in XXXX, I requested once again the card be closed and that it had NOT been in my possession for months.
I am a single mother and always pay my bills on time but refuse to pay for something I did not purchase and be held responsible for a mistake on their employees part. I have tried and tried to explain to them that I was told the card was requested cancelled in XXXX and was told it was by one of their employees and the only reason I requested it closed in XXXX is because then I realized someone XXXX their end had in fact Not cancelled my card when they advised they had. They will not listen.
I do not have the card information as I havent had this card in my possession since XXXX.
The only way they found me in system lately when I have talked to them is with last XXXX of ssn and address. Address has been provided XXXX is ssn information.
I am afraid this is adversely affecting my credit and this is concerning to me. If it in fact is I want it completely removed and resolved.
|
| 07/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
Hello, We attempted to close on a new home using Pentagon Federal. They missed two closing dates by not sending our information to underwriting, and then failing to send closing documents to the closing attorneys/title company on time. This forced us into renting ( early occupancy ) for a week ( in addition to hotel costs prior to this point. ) Given it was Pentagon Federal 's mistake for the repetedly late closing, they negotiated to pay the prior owner directly for the early occupancy fees ( total of {$800.00} ). All parties agreed to this direct payment to the prior owner. On the closing date they did not pay the owner, but rather applied a discount in the closing costs without explaining this to anyone and not disclosing the reason for the discount. This hid the transaction and changes my taxes at the end of the year without my approval. After two weeks of not responding, the loan originator responded with these comments, " I have confirmed that due to compliance reasons the credit had to be disclosed on the closing disclosure. This {$800.00} credit was deducted from the amount you paid due at closing. I know this was not how you preferred this credit however, for tracking reasons with regulators, this had to be credited this way. '' It read as if they were attempting to hide the action from mortgage regulating authorities.
Finally, PenFed then issued a letter attempting to force different home insurance for our property, by claiming our current home insurance failed to meet required minimums for PenFed mortgage servicing. When I called the " Insurance Service Center '' on XXXX, the Service Center acknowledged that the information in the letter was false, our current insurance was more than adequate, and PenFed maintained a policy to send these letters to all their new mortgage holders with the false information. It appears to be an effort to force action on false pretenses. This could have cost significant money had I acted on their claims without verifying with my insurance carrier and their Service Center.
|
| 07/10/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
On a previous complaint XXXX and Pentagon Federal Credit Union ( PENFED ) Response on XXXX XX/XX/XXXX relating to my VA Mortgage Application # XXXX which totally disagree with their response and filing a new complaint.
PENFED states in their response they received my full executed real estate purchase contract dated XXXX XX/XX/XXXX not until XXXX XX/XX/XXXX. Moreover, PENFED delay in failure to in communication with customer ( XXXX XXXX ) who I honestly and truly believe they were derelict in their due diligence in processing my online loan application and income documentation to validate my application in a timely manner. Thus, directly and indirectly due to their processing time that led me of losing {$8000.00} which consisted of my down payment/ earnest money and due diligence on a real estate contract.
Timely communication and due diligence from initial pre-approval letter, and the time it taken them to validate income with their online application taken over 10+ days which I believe is not consistent with industry standards before they notified the customers.
On or about XXXX XX/XX/XXXX : Initial Application Submitted with Income Documents On or about XXXX XX/XX/XXXX : Customer Received Pre-Approval XXXX XX/XX/XXXX : XXXX XXXX ( Customer ) sent email to Loan Officer - Checking In on the process and how things are going ; also stating I made phone call without any return phone response XXXX XX/XX/XXXX : Email communication requesting additional documentation Again, I XXXX XXXX ( Customer ), was not notified until 7+ days after XXXX XX/XX/XXXX of them ( PENFED ) informing me any issues and concerns of my online application and income documentation - which I honestly and truly believe their decision regarding my debt-to-income ratio within 7 days upon my application. PENFED as a major financial institution timely communication failure, neglect, and their failure in due-diligence led to me forfeiting my down payment and due-diligence funds totally {$8000.00} and sign of inefficient corporate failure.
|
| 11/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I have submitted numerous requests, made numerous phone calls, and submitted documents to Pentagon Federal Credit Union ( PENFED ) to correct the late credit reporting status on my Credit files. I have also disputed the incorrect reporting with each Credit Bureau and as of today, still not corrected. This has been ongoing since XXXX of this year.
PENFED had added a Collateral Protection Insurance ( CPI ) to my current Auto Loan. Which also took me making numerous of complaints, calls and document submissions to have it removed. The CPI is PENFEDs excuse for reporting my loan XXXX days late. The CPI has since been refunded and the actual refund date was the same as the start date of the CPI. I am submitting a screenshot which shows the dates were the same. However, I noticed today the dates have been changed. Why manipulate dates, amounts, etc. if you are correct in your records. I was told by an associate at PENFED ( XXXX XX/XX/XXXX ) that all which occurred during the time of the incorrect CPI would eventually reflect accurately as before the CPI was added, as if it was never added. This has not happened. Again, CPI was refunded but my account is still reporting XXXX days late for XXXX, XXXX, and XXXX of XXXX with the Credit Bureaus.
Only recently had my account been late due to unforeseen Family circumstances, but it has never been XXXX DAYS LATE. As I stated, only recently late and I have had this loan since XXXX of XXXX with NO previous issues. This mishap with PENFED is affecting my livelihood and career. As, I am Military and are due for my Background/Clearance Review and this late reporting which is in error will affect my potential Clearance level and other potential credit offers. The XXXX XXXX XXXX of my Clearance are things NO Lender should be permitted to put their Consumers through. This part of this ordeal is totally unforgiving and unrepairable. This Lender/Borrower relationship is beyond over and I will share the entire negative experience with my Military Community, Family and Friends.
|
| 01/21/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
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In the market for an auto loan. XXXX and found out people said this credit union has a very good auto loan rate, then I checked their website. After reviewing available information, such " as low '' rates for specific terms and comparing with different products and other financial institutions, it appears they do have very good rates. As a result, I provided some basic financial and personal information for pre-qualified applications. Then the system returned many options indicating I was approved but all of them were far higher than the rate advertised.
After calling them, I was informed that the rate was much higher than the expectation. Inquire about the reason, and get an " industrial standard response " that the rate is based on various factors ''. I expressed to him that I know my creditworthiness that my credit score meets the A+ tier for ( i would not say 100 % of the financial institution definition but at least 90 % of the financial institution definition ), no adverse record on my credit report, XXXX XXXX also considered low, credit utilization is low. I asked for an explanation of what could possibly prevent me from getting the lowest rate or any of the factor that i can expose them to higher risk.
If the bank implements risk-based pricing which utilizes the credit report, the score has captured tons of risk factors and covert to a score already. If their so-called " other factors '' are part of the calculation of the credit score, it is like double counting or inconsistency since whatever the credit score model used has a unique algorithm to weigh different risk factors accordingly. Anyway, the loan officer told me that she does not have access to that information.
This appears to be an unethical business practice called " bait and switch ''. And their practice further damages my credit score due to a soft pull or hard pull inquiry as I receive notification from other credit monitoring. I would really know what is the real cause so I can either correct it or stop the attempt with them
|
| 02/25/2017 |
Yes |
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- Closing/Cancelling account
|
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Web |
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Upon reviewing my account online with Penfed, I noticed that they had closed my XXXX credit cards. I immediately pulled my XXXX credit report and noticed that none of my credit accounts appeared on my XXXX credit report anymore- including Penfed & XXXX XXXX . I contacted XXXX and filed a complaint with the CFPB against XXXX.
XXXX said that my credit file had been mixed with someone else and there was a ton of bad accounts listed that belonged to another person with the same name. XXXX has stated that they have now corrected my credit report. I sent Penfed a letter stating that my XXXX credit report had been mixed with someone else and to please reconsider their decision to close my credit cards. I have been a very good customer to Penfed. I am very disappointed that Penfed never mailed me anything stating that they had closed my credit cards and had to find out from visiting my online account. I am even more disappointed that Penfed completely ignored my letter requesting reconsideration. This very unfortunate situation can happen to anyone. I can not control how the credit reporting agencies handle or mishandle my credit file. XXXX has assured me that everything has been corrected. After this fiasco with Penfed, I contacted XXXX XXXX and explained the situation with XXXX mixing my credit file with another person. I have a credit card with XXXX credit limit with XXXX XXXX and did n't want to go through the same situation with them.
XXXX XXXX was so great and they are standing beside me. I thought Penfed would do the same but I can not even get them to respond to my letter. I truly enjoyed my relationship with Penfed and was proud to be a member of Penfed.
I have family members and friends that have been with Penfed for years and they are shocked that Penfed is not responsive to me. According to them, this is not typical of Penfed. So I am left confused as to why I am having such a negative experience. I have handled my Penfed accounts responsibly and I truly value my relationship with Penfed.
|
| 02/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Hello, I called My bank Pentagon Federal credit union at the end of XXXX asking if I wanted to pay the cash advance from the balance transfer I had how can I do that. The member service rep told me. # 1 Stop making purchases on the card. So I cut the card up. # 2. Any additional money paid to the credit card would get applied first to the cash advance and then to the purchases. # 3 the agent mentioned I should transfer the cash advance balance to a 0 % interest card to get that paid off if it was fee-sable. I said great. I ended up opening another card with another company to transfer the balance of the cash advance.
The company I opened the transfer with sent pentago federal a check for {$4000.00} I looked at my statement today and i noticed that I'm still showing the purchases and I'm still showing the cash advance. Both have the same interest rate. I told them they should of got rid of the cash advance and only had the purchases.
Purchases 13.99 % {$2500.00} {$29.00} {$2500.00} Cash Advances 13.99 % {$2500.00} {$30.00} {$2600.00} They Specified per Government regulation that they had to do it this way. So I would like to know if this is indeed accurate or if they could of applied it all to the Cash Advancement and any remaining to the purchases.
Here was there response to me. I'm not satisfied since I did what there rep told me to do to try to clean this up.
Upon speaking directly with our credit card department, they stated the following : When payments are made over the minimum, the remainder will be applied to the balance with the highest interest baring balance. If 2 balances are at the same APR, we split the payment between the 2. There are numerous outstanding purchases on this card. Purchases and Cash Advances ( or expired balance transfers ) are at the same rate, therefore the system split the payment between the 2.
Unfortunately, the Member Service Representative you spoke to may have misunderstood the situation and provided incorrect information.
Please let me know
|
| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
I received a letter from PenFed Credit Union stating they were increasing my interest rate on my loan to approximately 14 % because of " your failure to provide a title for the collateral ''.
The loan with PenFed was a refinanced auto loan where they paid off my loan with XXXX XXXX. I called PenFed and told them I didn't have the title, but would contact XXXX XXXX to see where it was and that in all my years financing cars, I had never had to chase down a title. They told me they would hold off on increasing my interest rate for 60 days while I chased down the title with XXXX XXXX. ( Spoke to XXXX ).
I contacted XXXX XXXX who stated that the title was sent out in XXXX, 2020 to PenFed. When I called PenFed back, I got a new customer service person who told me that all they needed from me was a XXXX copy of my drivers license. I told them I had uploaded that to them months ago ... the operator ( XXXX operator ID XXXX ) was very helpful and pulled up my on-line submissions and found my drivers license. He told me he and his supervisor had put a high important email to collateral that they already had my drivers license on file and that it would be resolved with collateral. He also stated that they will contact XXXX XXXX XXXX XXXX if there was anything further that they needed on the actual title, but I didn't need to worry about it.
My compliant is in regards to a bank being able to increase an interest rate on a collateralized loan when all they needed was a copy of my drivers license? Especially when they had an uploaded copy of my drivers license in XXXX, 2020.
Their failure to review a document that clearly showed received in their system would have caused my auto loan payment to jump from {$430.00} per month to {$550.00} per month for their error. They provided no explanation to me as to why they needed a copy of my color drivers license and if that was a requirement of obtaining a new loan from them, why didn't they require it prior to giving me the auto loan in the first place?
|
| 04/15/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I have been a member of Pentagon Federal Credit Union for 40 years and had never had a problem with them before. In XXXX of XXXX, however, without any basis or documentary evidence, they claimed that my flood insurance had expired on XXXX XX/XX/XXXX and they had no evidence that it had been renewed. As requested by PFCU, I provided declaration pages for the insurance from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX as well as from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. They then claimed that there was a gap in insurance coverage from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX which was patently incorrect since they had the correct dates from the policy declaration pages. They then on several instances, threatened to purchase flood insurance to cover this period.
I provided all the information they asked for and they acknowledged having received it, but persisted to claim there was a gap in coverage and threaten to purchase flood insurance for me. This was all documented in a series of letters back and forth from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. This entire problem was about my home equity line with PFCU, which did not even have any balance outstanding throughout the whole exchange.
I was so disgusted with their incompetence and lack of response over this issue that I requested that they close out my accounts and terminate my membership in PFCU. I instructed them to do this in my letter of XXXX XX/XX/XXXX and again in my letter of XXXX XX/XX/XXXX. While they subsequently sent a letter stating they had cancelled the flood insurance they had ordered, they have taken no action to close my accounts, forward the proceeds to me, or to terminate my membership in the PFCU.
After 40 years as a member, I can not believe they would treat me this way and I no longer wish to do business with them. I want my membership cancelled and the proceeds of my accounts forwarded to me without any further delay. In reading reviews of PFCU online, I am apparently not the only person who has had this sort of problem with PFCU.
|
| 08/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
|
|
Good evening, I am a member of Pentagon Federal Credit Union ( PFCU ). I 've been paying my mortgage for the last 8 years at a rate of 6.125 % fixed. I 've been trying to refinance with PFCU since XX/XX/XXXX and my application is rejected every time due to the loss of my home value. I do n't have a XXXX or XXXX XXXX loan so I do n't qualify for other programs. Recently, in XX/XX/XXXX I changed jobs and my income was significantly reduced. In XX/XX/XXXX, I missed XXXX payments ( I pay every two weeks ) for the XXXX time. So now I do n't qualify for the new HARP program. I submitted a hardship application to PFCU ( XXXX in two years ) with all the paperwork required, including my retirement ( TSP and XXXX ) statements, income, expenses, etc. I requested a loan modification to reduce the biweekly payments and/or interest since I am overextended with my bills. The application was rejected again. What really upset me was that their argument is that I should take money out of my retirement account and take the 10 % IRS penalty to pay my mortgage. I was not evaluated based on other eligibility requirements. That may solve one month or maybe two but what about after that? My income is still too low. In a written letter, PFCU says that my best option may be to find more affordable housing. As an alternative to foreclosure, I may be able to sell my home in pre-foreclosure sale or short sale. PFCU also suggested deeding my home to PFCU as another option. I owe a little over {$110000.00}. My home is worth less that {$70000.00} due to the economy and numerous foreclosures in my neighborhood. I live alone and depend on myself only to make a living and pay bills. I feel like my back is against the wall and I 'm being set up for failure not only in the present but in the future. This bank does n't want to work with me. The " Hardship Application '' process is a hoax. It was a waste of my time and they only wanted to know where I could find money and are not trying to lower the interest rate of my loan.
|
| 09/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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At the beginning of XXXX, I received a promotional offer from PenFed for {$50.00} back if I spent either {$500.00} or {$1000.00} within the month ( both amounts were listed as 'required ' in their terms -- extremely unclear and poorly worded ). I emailed for clarification and got no response, an ongoing issue with PenFed 's customer 'service ' department as will be noted shortly. I contacted them again, given the time-sensitive nature of the offer, and was told that they would NOT honor the {$50.00} for {$500.00} offer and I would have to spend a full {$1000.00}. So I jumped through a number of hoops to move auto payments around to get that done, only to get another email over a week later ( again, this is a promotion that was only good for a month ) that oh, oops, they'd screwed up, they did have to honor the original offer for {$500.00}. At the same time, I got another offer ( snail mail ) for {$50.00} off {$1000.00}. I asked if they would honor both given that I'd received both. Again, no response. Again, I ask again. PenFed acknowledges that they are completley responsible for the mistake, sending multiple offers, the bad information I was given, the incredibly late correction given the time sensitivity of the issue, and yet they aren't going to do anything -- their customers are just going to have to absorb their mistake. I contact them again asking for a manager or supervisor to reconsider given how poorly this was handled. Again, no response. I FINALLY get someone on the phone on XX/XX/XXXX and per her given the amount of hassle and incredibly poor customer service on PenFed 's part she would immediately have credited my account the missing money, but since this promotion was through a credit card it had to get approval. However, she would forward it directly to them and I would have my response in writing shortly. It's now XX/XX/XXXX ( OVER a month ) and PenFed 's complete lack of customer service continues as I still have no response and no credit for the second promotion.
|
| 06/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
hello. I would like to make a claim about the charges on my account of penfed on my savings account that no proceed for use the ATM machines when you did not have available machines for the clients, it is there a total amount of {$54.00} on charges on use the ATM machine fees of {$2.00} on each transaction plus {$1.00} ATM fees. And they started with {$1.00} then changed to {$1.00} if i choose to not verify balance they uodate the account statements and add the {$1.00} pls {$2.00} on each transactions, The dates and transactiosn are the following:XXXX charges of XXXX plus {$1.00}, XXXX charges of {$2.00} plus {$1.00}, XXXX charges of {$2.00} plus {$1.00}, on XXXX charges {$2.00} plus {$1.00}, on XXXX charges of {$1.00} pls {$1.00}, on XXXX charges of {$2.00} plus {$1.00} on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$1.00} plus {$2.00}, on XXXXcharges of {$2.00} plus {$1.00}, on XXXX charges of {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00}, on XXXX charges of {$2.00} plus {$1.00} on XXXX charges of {$2.00} plus {$1.00} on XXXXcharges of {$1.00} on ATM fees. there are {$54.00} on atm fees charges. Please refund the money that you charge on my account those charges do not proceed. They PENFED are accesing in the account and ajsting and adding more fees beacse revise the transaction deposit that i received for aids for pandemic covid19 disaster. Equally they performed the same thing on the credit card addin {$30.00} on my balances when I am online, I called and the lady pretend to close my credit cards without y authorization and request, and they denied me a consolidation of credit cards balance to pay a debt of {$11000.00} like having a {$30000.00} loan at 4.25 % and I'm not having that debt I only have {$11000.00} and making payments of {$220.00}, they did not want to provide me any aids after the disaster.
please let me know.
XXXX XXXX
|
| 12/08/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
One of my credit card rewards is an annual {$100.00} travel credit for qualifying travel charges on the credit card. On XX/XX/20, I charged two travel expenses to my credit card for a total amount of {$60.00} and I properly received a {$60.00} travel credit on my next billing cycle. On XX/XX/20, I charged {$170.00} to my credit card for an XXXX car rental. Because I had already used {$60.00} of the {$100.00} travel credit, I should have been credited {$40.00} on my next billing cycle for the car rental charge. When the credit didn't appear on my credit card, I contacted PenFed Credit Union regarding the credit in late XXXX. I received an email from XXXX XXXX on XX/XX/20 confirming that I would be credited {$40.00} and I would need to wait one billing cycle to see the {$40.00}. ( I have the email for proof. ) I waited one billing cycle XXXX XXXX statement ) and no credit appeared. I then called PenFed Credit Union again and was verbally told that the credit was processed and to wait one billing cycle. I waited one billing cycle again XXXX XXXX statement ) and no credit appeared. I then called PenFed Credit Union for a third time on XX/XX/20 and vented my frustration with obtaining my credit. The representative assured me that my credit was coming and that it would be processed within 24-48 hours. When no credit appeared after 144 hours ( 6 days ), I called PenFed Credit Union a fourth time. This time the representative said that my XXXX car rental was not a " qualifying purchase '' and I was technically not due a credit. However, the representative indicated that the notes on the account show a promise to issue the credit and, thus, they would still credit my account the {$40.00}. However, I needed to wait a few more days to see the credit. At this point, I'm tired of dealing with their excuses and their lack of follow up. My issue was raised in XXXX and it's still not resolved after multiple unfilled promises by PenFed Credit Union and multiple follow up attempts on my part.
|
| 12/06/2016 |
Yes |
|
|
|
Web |
|
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Dear CFPB Staff : Tempted by an offer in XXXX 2016, I initiated a balance transfer with Pentagon Federal Credit Union, and wanted to transfer {$1300.00} from my XXXX XXXX credit card ( XXXX XXXX card ). Three months and hours of phone calls later, I still have a debit balance on my PFCU account for the {$1300.00} transfer, but never benefited from the transfer at all. We did determine through phone conference calls that PFCU put the wrong account number on the check they sent to XXXX, who claims to have sent the check back to some other account holder ( due to the wrong number on the check from PFCU ). XXXX then offered to stop payment on that check and mail another check to me, which I would then remit to PFCU so they could remove my debit. That was three weeks ago and I am tired of waiting.
[ Find below a recent email from a PenFed representative. ] XXXX XXXX XXXX PenFed CU customer XXXXXXXXXXXX XXXX XXXX Dear XXXX XXXX, I apologize that this situation still has not been resolved for you. When we last spoke with XXXX, they said that they were going to issue a stop pay on the check they issued back to PenFed and then issue a new check payable to you. I am happy to assist you in making another call to XXXX 's in regards to the check that were supposed to be sending you to see if we are able to get a status on it. As you know, XXXX will not speak with me about this issue without you being on the phone and giving your consent for me to speak on your behalf. Please let me know if this is something you would like to arrange. If so, please give a day and time that will work for you for us to call them together. Once we receive the check I assure you it will be backdated to the date of issuance.
Again, I apologize for all of the inconvenience this matter is causing you. I will continue to do what I can to assist you in getting this matter resolved.
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX PenFed.org ] XXXX XXXX XXXX PenFed CU
|
| 04/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
What is complaint about : Pen Fed mortgage failed to complete our loan which was started in XXXX XXXX and was scheduled to complete on XX/XX/2020.
What happened : Due to poor communication and misleading information, we were forced after 90 days to find a new lender during the month of XXXX and start a loan process from scratch. Repeated requests for updates went unanswered for days ( sometimes 6 plus days ) through XXXX and XXXX, sending critical notices to the wrong email address and the answers we got were not correct. We do not know the cause but whether negligence or indifference the effect was the same. We provided even them with appraisers in the area What company : Pentagon Federal Mortgage Who are the people : XXXX XXXX XXXX, Digital Mortgage Loan Officer XXXX XXXX, Mortgage Processor plus various managers and supervisors who listened to our complaints on XX/XX/XXXX when we called asking for explanations and resolutions. We spoke to 5 different people during an hour and a half call. Note that even after going through their management chain, there was no improvement in the accuracy nor frequency of the communication from Pentagon Federal. It is conjecture but it seemed like they just wanted us to go away so they could deal with the larger customers.
What response do we want : No one should have this much trouble getting a loan. We would like Pen Fed to reimburse us for the direct costs we incurred : {$660.00} in additional storage and {$700.00} in additional motel stays, to say nothing of the indirect costs of staying in Virginia for an additional 2 months. We'd also like an apology for the incredible stress this put us under. Plus an apology to the TN seller, who was forced to secure a loan to fill the gap between when they moved out in XXXX -- -IN GOOD FAITH -- -and when we finally closed in XXXX. This should NOT happen to anyone else. The stress involved in buying and selling your main place of residence is high enough without avoidable complications.
|
| 07/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a mortgage refinance with Pentagon Federal Credit Union on XX/XX/XXXX. I quickly loaded documentation that was outlined in the initial set of documents I received. As part of the application process I ordered and paid for an appraisal on XXXX for XXXX dollars. Communication back and forth between myself and XXXX XXXX was satisfactory up until XX/XX/XXXX. Since that point, communication has been absent.
Overview of communications and actions since XX/XX/XXXX : XX/XX/XXXX : Request for me to pay for appraisal ( XXXX dollars ), which I promptly did and scheduled appraisal for XX/XX/XXXX XX/XX/XXXX : I received an email and voicemail from Loan Processor outlining the list of documents needed. This list included documents that I had already provided. I promptly called back and left a voicemail with questions to clarify. I have yet to receive a response to any of my questions even after follow XXXX on XX/XX/XXXX, XXXX, and XXXX.
XX/XX/XXXX : I replied to email from XX/XX/XXXX with follow up questions about details of documents needed.
XX/XX/XXXX : Appraisal took place and appraiser said that the completed appraisal should be available on XX/XX/XXXX. I have not heard anything about appraised value from PenFed to date ( today is XX/XX/XXXX ).
XX/XX/XXXX : Loaded new pay statements and replied to email chain with XXXX XXXX asking for follow up on initial questions.
XX/XX/XXXX : Followed up again on email chain with Loan Processor and included Loan Officer on email as well.
XX/XX/XXXX : I called PenFed main phone line, spoke with a representative, outlined that both my Loan Processor and Loan Officer were unresponsive and that I would like to discontinue the application and be refunded the Appraisal Fee. The representative told me that I would need to speak to a supervisor ( they were not currently available ) and a supervisor would be calling me back the same day. I have yet to receive any communication from a supervisor ( today is XX/XX/XXXX ).
|
| 02/24/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a mortgage with Pentagon Federal Credit Union. After I received no response, I called to check on the status of my mortgage application. A mortgage broker named XXXX XXXX spend one hour scolding, lecturing and belittling me because I have a large education loan.
She refused to listen to me when I told her that the loan was in income based repayment ( IBR ) and that my loan was current with a XXXX payment due.
She told me I should get another job, and work more hours. When I told her already worked 12 hours most days, she said that I should be able to find more work.
XXXX then stated that XXXX XXXX policy prohibited PFCU from offering me a loan. When I asked to speak to Underwriting or her Manager, she refused and said that I was did not deserve to speak to anyone else because I was " the most horrible person she had ever spoken with. '' I did not curse at XXXX, in any manner, and simply told her her was " snide. '' She then spent about 15 minutes, again lecturing, scolding and belittling me. I asked her if there was any hope of her helping me and she said no. I told her I was concerned because PFCU had already done a hard inquiry on credit. She said that was " too bad. '' After I hung up, I researched the XXXX XXXX policy that XXXX hammered and raged at me about and discovered she was wrong. Because I am in IBR, and my account is current, my educational loans are not considered in my Debt to Income ratio.
I emailed XXXX XXXX again, and asked her politely to again look at my mortgage loan because she was incorrect. She did not respond.
It is my certain belief that because I am a person of XXXX, XXXX XXXX discriminated against me, and refused to provide equal access to PFCE 's mortgage products.
I am a member of PFCU and have never made a late payment of any kind- to any creditor- in over 25 years. I previously paid off a car loan and a mortgage with PFCU.
XXXX refused to look at my credit and payment history, collateral or income.
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX XXXX XXXX
Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered.
So, XXXX XXXXXXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX.
I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all.
At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process.
Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
|
| 01/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
XX/XX/XXXX Pentagon Federal Credit Union XXXX XXXXXXXX XXXX VA XXXX Re : Used Auto Loan number XXXX XXXX XXXX XXXX XXXX VIN Last Four : XXXX To Whom It May Concern, The present is to file an official complaint to Pentagon Federal Credit Union and to request an immediate removal of the CPI ADD {$1900.00} to my loan balance.
On XX/XX/XXXX ; I called the PenFed call center and was advised the fee was added because I did not have auto insurance of the financed car listed above. I was also advised my monthly fee was increased from {$360.00} to {$480.00} per month. Not only was my loan balance increased but also my monthly payment. This is financial abuse and predatory lending practice.
First, I have always carried auto insurance on the financed vehicle. As you can see from Attachment 1 and Attachment 1A the cited vehicle was insured.
Second, I was just advised of your insurance requirements. No more than {$2000.00} deductible and full insurance. The PenFed website does not cite such requirements. See : https : //www.penfed.org/auto/used-auto-loans and when I called to finalize the loan, none of the loan officers advised me of such requirements. Their only concern was to sell XXXX XXXX which I purchased from you. Please see Attachment 3 to verify my updated auto insurance policy.
Third, I have set up automatic payments to this loan from XXXX XXXX XXXX XXXX for the amount of {$360.00} ONLY. Since the amount submitted for the XXXX payment was higher, XXXX XXXX automatically rejected the payment.
I request that my demand be reviewed and my loan returned to the original which I agreed to. Please remove any return payment fees, late fees, CPI ADD fees and my loan amount needs to be revised to the original amount.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX VA XXXX XXXX Certified copy mailed to : XXXX XXXX XXXX XXXX XXXX Consumer Assistance Center XXXX XXXX XXXX, XXXX, VA XXXX CFPB Submitted online https : //www.consumerfinance.gov/complaint/
|
| 10/05/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I disputed a series of charges on my PENFED Credit Union VISA from XXXX XXXX XXXX, XXXX XXXX MN, ( 9 transactions totaling XXXX ). PENFED has refused to diligently investigate or take any steps to resolve my complaint.
On XXXX I initiated my original dispute, on XXXX they closed it saying the charges were valid ( they did not provide me with a case number for this dispute ). I learned of this on XX/XX/XXXX when I called to inquire and at that time re-opened the dispute ( the case numbers provided in this instance were XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ).
I uploaded supporting documents on XXXX and called PENFED confirming they received them on XX/XX/XXXX. On XXXX I called to learn the status and was informed that they decided not to change their previous decision. The customer service rep indicated that XXXX in the dispute department thought I should talk to XXXX the analyst assigned for an explanation. They indicated XXXX would call me that afternoon. XXXX did not call. On XXXX I called again with no results.
Thus far PENFED has refused to diligently investigate my dispute, has failed to provide an explanation of their decision or copies of any evidence they used in making their decision. I very much doubt they interacted with the other party at all.
I hired XXXX to provide residential remodeling services. He represented himself as a competent professional capable of delivering the work he agreed to. However, he was not competent, or professional, and delivered shoddy, amateurish workmanship that must now be redone.
The basis of the dispute is that the services and products were not delivered on time or as agreed., that the services and materials provided are defective or not as specified, and XXXX has refused to disclose their billing, they have not provided an invoice describing what I have paid for.
I have extensively document the problems with XXXX work and have attached the documentation I provided to PENFED.
|
| 08/10/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, 2016 I called Pentagon Credit Union customer service to learn about the mortgage and auto loan products. XXXX, the person that attended me by phone, told me that in order to apply for a loan in PenFed I had to open a bank account. XXXX told me that in order to open an account they had to review the credit report and I clearly told her that if it was a " HARD inquiry '' I did n't want to because it will affect my score and I was buying a home. She told me that the inquiry was a " Soft '' but anyway she was going to check. After a while waiting by the phone XXXX confirmed me that the inquiry was a " Soft '' inquiry and because of that I opened the savings account.
These days, monitoring my credit, I discovered that indeed a " HARD inquiry '' was made by PenFed. Yesterday, XXXX. XXXX, 2016, I called customer service and talked to XXXX the supervisor and require her to remove the inquiry immediately because it was unauthorized and affected my score. XXXX told me she verified with the department in charge to see if they can remove it but they told her they CA N'T.
I 'm very upset because XXXX provided me with incorrect information and because of that my credit score lowered and now I have trouble buying a property that I optioned.
XXXX told me they can send me a letter notifying that the inquiry was to open a savings account and when I ask her to include that it was n't supposed to be a HARD inquiry she told me she could n't include that. That letter does n't help me eliminate this from my credit bureau and does n't increase again my score that is what worries me more.
I called the credit bureaus and the told me that PenFed is the only one that can notify the error to the bureaus so they can eliminate it. If they do n't do that is going to stay in my credit for 2 years.
Please, notice this was an UNAUTHORIZED HARD INQUIRY. To do this they should have a verbal or written authorization and they do n't have it. I was clear about that.
|
| 08/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
Pen Fed offered a promotion for {$150.00} if you accepted paperless statements.
The offer is below.
I tried to get them to honor, but wasn't able to.
XXXX XXXX Last chance to celebrate the season with an extra {$150.00} when you sign up for monthly recurring electronic payments on your credit card account and enroll in paperless statements.
HOW TO QUALIFY Log into your PenFed Online account and follow these two easy steps : 1. Set up Monthly Auto Pay Select " Make Payment '', set your payment preferences, then update " Frequency '' to " Monthly Auto Pay ''.
2. Enroll in paperless statements Select " Delivery Preferences '' under " Statements & Documents '' and update your credit card statement delivery to " Electronic ''.
Your {$150.00} statement credit will appear on your XX/XX/XXXX statement.
Dont wait! This exclusive member offer is only good until XX/XX/XXXX!
Download the PenFed App Get it on XXXX XXXX Download on the App Store Follow PenFed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as web page DISCLOSURES 1. No purchase necessary. In order to receive the {$150.00} credit to your statement, you must complete both requirements during the promotional period ending XX/XX/XXXX for your account ending in XXXX : ( 1 ) sign up for automatic payments and ( 2 ) enroll in paperless statements. If earned, the statement credit will be applied to your account within two billing cycles of the offer end date. In order to qualify, your account must remain open, be in good standing, and not become delinquent. Statement credit can not be used to satisfy the required monthly payment on your credit card account and may not be redeemed for cash or cash equivalent. This offer is non-transferrable. Limit one statement credit per cardholder. Offer ends XX/XX/XXXX.
Questions or comments? Contact us.
This email has been sent to : XXXX. To change your email address, please log on at PenFed.org. This will ensure your official records are updated.
|
| 02/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
The company mailed out to me a pre-approval letter on or around XX/XX/2023. I responded to the offer that stated i would receive an approval in as little as XXXX seconds. That did not happen so then I received an email stating that its under review and this action can take up to 1 to 2 business days. 2 days has passed, I received another email that stated that i was approved tentatively pending receipt and verification of my employment status. i uploaded the required documents and later that day I received a phone call from a PenFed representative stating that they will have to call my employer to see if i worked there. Something i never heard of before from an institution that is approving you for a Credit Card. The next day I called and had questions on why they would need to call my employer direct, after I've uploaded ; requested documentation that was sufficient enough to validate my identity and annual salary. This went on from XX/XX/2023 XXXX. I spoke with several PenFed representatives and was told different theories and reasonings on why my application process was taking so long. I was told PenFed reached out to my empolyer and my employer had to call a number in 48 hours ( which if the company stated they reached out to my employer than that should have been determined that i was an employee ). I was told that they were waiting on a letter from my employer because of my annual salary ( which I know personally that was false ). I was also told that my employer had to upload documents. As you can see all of these hurdles and obstacles because PenFed probably did not think i was telling the truth about my annual salary which is alarming and shameful. I have a great credit score as well as high balance cards due to how i maneuver with my credit profile and my annual salary. In conclusion, I believe it was False advertisement on their behalf as well as discriminatory practices and this situation should have been handled differently.
|
| 08/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
I am an XXXX XXXX servicemember. On XX/XX/2018, I applied for membership and a Power Cash Rewards credit card with Pentagon Federal Credit Union. On the date I applied, I had recently moved from my prior XXXX XXXX in XXXX to XXXX, XXXX.
On XX/XX/XXXX, PenFed member services instructed me to provide copies of a drivers license, utility bill, and social security card.
On XX/XX/XXXX, I complied, providing a copy of my license, a utility bill, and my social security card. The drivers license I provided listed my address from my first military duty station ( XXXX XXXX, XXXX ).
On XX/XX/XXXX, I was told I needed to provide a notarized id, utility bill and social security card. I called PenFed and asked why. The agent I spoke with told me my old XXXX drivers license was insufficient due to reflecting my old address. He told me that due to the PATRIOT ACT I would need to get a XXXX drivers license reflecting my current address.
I then obtained a XXXX drivers license.
On XX/XX/2018, I sent notarized copies of my utility bill, XXXX drivers license, and social security card. I can provide these upon request ( not attaching now due to PII ).
On XX/XX/2018, after multiple phone calls over several weeks to PenFed, I was told PenFeds Financial Intelligence Department could not verify my documents. I asked for an explanation as to why they could not verify my documents, and I was told they could not tell me why. I asked if there was an appeals process, and was told there was no appeals process. I asked to speak to the individuals supervisor. The supervisor told me my XXXX drivers license looked fake, and that was the reason for the denial. I made it clear I provided my XXXX driver 's license, and told the individual he essentially was accusing me of lying. I offered to re-send all of my documents, offered to provide a copy of my military orders, lease, and military ID, but was told there was no appeals process and no method of recourse.
|
| 08/25/2022 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Pentagon Federal Credit Union : Mortage Loan # XXXX XXXX XXXX XXXX # XXXX Manager : XXXX XXXX XXXX # XXXX The week of XX/XX/XXXX I applied for a VA Loan ith PenFed.
I went through their process and although their loan officer XXXX XXXX was very slow to everything my realtor and myself were trying to acomplish he would only respond 1-2 times per week. Buying a home is very fast paced and XXXX did not do anything ti alleviate these issues.
I continued through the process and ultimate paid {$2000.00} is earnest money, and a further {$450.00} for home inspection.
The loan was ultimately denied with no warning. I would login into the portal and everything seemed fine. It hadn't gone to underwriting.
Middle of XXXX : We have a deadline of XX/XX/XXXX. I called in to see what else I needed to complete. There was not. In fact no one had reviewed any of the documents that I had uploaded the week previously. I called in and a young lady informed me that i was denied and couldn't tell me why.
She told me they cold not do seller credits/concessions EVEN though XXXX told my realtor we could.
So far I am out {$2400.00} during this process.
{$2000.00} in earnest money.
{$450.00} home inspection.
{$85.00} Home Inspection Annd time wasted.
I escalated this situation to XXXX ' manager, XXXX XXXX XXXX # XXXX.
he informed that he would return the {$450.00} for the home inspection.
This afternoon, I emailed XXXX for an update. he informed me that the {$450.00} home inspection reimbursement funds could not be returned at is AN OPTIONAL FEE!!
Please see the attached document : A PenFed checklist where nothing in there says OPTIONAL. I would not have spent my own money anywhere.
No where in their doouments did it say anything was optional.
The lanaguage in teh document states : Property-XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Provide a borrower signed clear termite inspection report and invoice dated within 90 days from closing
|
| 09/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Older American, Servicemember |
|
On XXXX XX/XX/2020 I submitted an online application for a credit card because of its generous offer when used to purchase gasoline.
A hard pull was submitted to XXXX credit bureau even though a hard pull had already been submitted to obtain a credit line increase with another of this credit unions credit cards I already possess in order to obtain a balance transfer, that was approved upon reconsideration.
When several days had passed with my application labeled as pending, I sent an email message to the credit union inquiring about why my application had been so long in pending.
Within hours, on XXXX XX/XX/2020, of my sending the email message, the credit union marked my application as withdrawn, though I did not ask for my application to be canceled or withdrawn.
I have been sending email messages trying to learn why that my application for the credit card I want was withdrawn. I have also left two voicemail messages with XXXX in the credit unions underwriting department that have not been returned.
I still want the credit card that I applied for that this credit union unilaterally withdrew from consideration though it hurt my credit score by pulling my credit file though it had already a fresh credit file from having approved my credit line increase on another credit card a couple of days or so before.
I mention this because this credit unions previous policy has been to not pull a hard pull against someones credit within thirty days of having already pulled a hard pull, even when the hard pull was obtained for a different reason as can be verified by reading the online reviews about this credit union.
I have had an impeccable relationship with this credit union up until the problems I had with obtaining the credit line increase and now this problem of an unexplained withdrawal of my most recent application for a credit card that I submitted on XXXX XX/XX/2020 but was withdrawn by the credit union on XXXX XX/XX/2020.
|
| 09/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have had a vehicle loan with Pentagon Federal Credit Union for approximately the last 18 months in which I make on time payments via their website each month. This month I am traveling overseas and attempted to login to make my payment which is due in the next few days ; only to have my access blocked and to be told that I need to call their customer service department. I immediately contacted their customer service department which was of course closed at the time. I contacted the number provided to me once again when they reopened and spent an incredible amount of time with an agent verifying ID information and receiving a text message to my mobile phone which I in turn also had to provide her. I expressed my concern that I simply needed to make a PAYMENT on my account and was told there is nothing she can do and that I need to speak with a DIFFERENT department that was not currently open. I then advised her that I would PUSH a payment from my checking account with a different bank and was told that they would not accept my payment and would return it.
This appears to be a clearly fraudulent business practice that PenFed is blocking consumer accounts for supposed security reasons and then not allowing a payment to be made on a DUE account and thereby potential causing customers to incur late fees and derogatory credit marks on their credit file.
From my research online PenFed seems to have a habit of blocking consumer accounts and then creating havoc to get them unblocked when people try to access their accounts overseas or via a Virtual Private Network ( VPN ). While I understand the need for security measures blocking a consumer from making a payment directly from their account at ANOTHER bank ( a PUSH payment ) appears to be a fraudulent and deceptive business practice. The agent advised me that under no circumstances would a payment be allowed on the account until I spent additional time contacting some other Department.
|
| 01/25/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
I had recently applied for a HELOC with PenFed on or about XX/XX/2021 for my investment property located in the State of Florida. I have already had a credit worthy relations with PenFed, because I already had a signature loan open and have always paid on time. Thus when i applied for a HELOC, they had to run my credit report again and my scores where acceptable at XXXX. I was then given a checklist of items that I needed ( documentation ) which I needed for a final credit decision. I have submitted all necessary documentation in a timely manner, and each time I would receive a generated company letter response. " Due to the amount of HELOC and overwhelming applications, we are delay in getting the products to our Members in a timely manner. However about 30 days later I was asked to submit more documentation regarding my previous Home loan Refinance closing documentation with my current lender, to see if my mortgage was paid on time. I am upset at this point, because my mortgage was being reported to the credit agency twice, as if I had two accounts and I did not. After disputing the items and having verification with a third party vendor of my credit worthiness, I though that was ok. However PenFed claimed that i had a foreclosure on my credit report which I never had, regarding my primary residence. I feel the process, of trying to obtain this HELOC was over the top and derogatory and discrimination in nature, because I am a XXXX female senior citizen over the age of XXXX XXXX XXXX and retired from the military and now I am told that I need to produce an additional income of {$1500.00} per month to get this loan approved with the under writers because I have a debt to income ratio of 58 %. I believe if that was the case then this should have been explained or brought to my attention on the initial application and not let me provided this documentation and that documentation just so they can have a reason to disqualify my HELOC.
|
| 08/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ever since XXXX, I have been receiving Inquiries that are not authorized by me at all. I am a busy person, studying a double major, work part-time and belong on 5 different student/professional organizations and barely have time for myself.
So, I do not know what is happening, I've been a careful person with sensitive information and for some reason, my information or at least part it got exposed somewhere. I called XXXX, XXXX and XXXX to report fraud alert and credit freeze. XXXX told me to provide any document I receive from any agency that works with fraud alert ( Federal Trade Commission, Identity Theft, Consumer Financial Protection Bureau and so on ), and mail them to the address XXXX has provided me.
I wish there is was to know what device and which location the person is getting my information for and the websites visited to apply any credit card or loan. I've been complaining with many banks and government agencies since XXXX because someone is using my social security for employment benefits.
The information of the inquiries is : XXXX and XXXX Report : XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX __________________ XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX __________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX ___________________XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX _____________________ PENTAGON FCUXXXX Inquiry : XXXX. XXXX, XXXX XXXX : XXXX XXXX, XXXX No contact information has been reported by this creditor.
________________________ XXXX Credit Report : XXXX XXXXXXXX XXXX and XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX __________________________ XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
|
| 03/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Last week I received a voicemail from a XXXX XXXX in XXXX. He left a vague message saying that I owed money and to call him. He also called friends and family and called my sister and spooked her as he mentioned her by full name and contact details like her home address and other personal info. When I contacted him he said I owed money but was not saying from where he worked with and for who he was calling about. When I asked to verify who he was he got hostile and said I was stalling the process and he was going to put a judgement on me if I didnt act in 3 days. Yesterday I got a voicemail from him saying theres a judgement on me and that they were looking for me but failed to find me so I was going to be marked as a non compliant and the court case will go without me. That they could not reach me at my house or my job. But no one came to my house because I was home all day. I did my research and the account he speaks of is not under his company and there is no judgement in my county against me. Today I called him to ask him to verify the account and send me the paperwork that shows that his company is handling the account through mail and he refused saying that if they did that for all their customers they would spend millions. When I said it was my right and the law he said not to read those phony government websites. He then said that he will file the paperwork to sue me and because I was unwilling to work with him but he was not trying to verify who he was or the account. I had called my original creditor and the company and the amount did not match with his. He was also sketchy because he called from different number and the company number he gave is not found online. He said only he was the only one that can work with the account and nobody in his company or the original creditor could help me. Then he said good luck to you and in life.
The information of the individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/03/2022 |
Yes |
|
|
|
Web |
|
|
On XX/XX/XXXX, I completed a Penfed loan application with a locked interest rate of 2.375 % and a lender credit of {$2600.00}. On XX/XX/XXXX, XXXX XXXX, my load officer from Penfed, requested that I submit additional military documents to the Penfed loan office. After calling Penfed XXXX number on XX/XX/XXXX, I was made aware Penfed canceled my appraisal status, and XXXX XXXX did not notify me of these changes after numerous requests of my loan status via phone calls and emails. Neither my real estate agent nor the seller 's real estate agent knew that Penfed withdrew my loan application on XX/XX/XXXX.
I was only given twenty-four hours to obtain the documents and needed for Penfed to approve the loan for approval before Penfed rejected my application. I have XXXX days to produce these documents before Penfed cancels my application. On XX/XX/XXXX, during a conversation with XXXX XXXX, I was informed that XXXX XXXX, a Penfed employee, negligently withdrew my first loan application on XX/XX/XXXX. If I was notified sooner I could have used my financing contingency clause to not lose my earnest money and walk away or seek another financial institution without any damages. I feel that I was baited with a lower interest rate then wrongfully pushed in to a corner, having my choices eliminated due to the action of Penfed and its agents. The way the current deal is structured today with 2.625 % interest rate, paying an originations charge of {$740.00} and only getting {$1000.00} lenders credit. I will end up paying out thousands of dollars more over the life of the loan to the benefit of PenFed.
Buying a home should be a joyful occasion, but Penfed 's lack of communication has turned this experience into a negative experience for me. I chose Pedfed base off of the original terms of the contract. I should be made whole by Pendfed honoring the original terms, including the 2.3 % interest rate and the {$2600.00} lender 's credit.
|
| 07/07/2016 |
Yes |
|
|
|
Web |
|
|
On XXXX XXXX, 2016 I applied for a credit card with Penfed Credit Union. I received an email from Penfed stating that my XXXX credit report was locked. On XXXX XXXX, 2016 I removed the lock from my XXXX credit report. Penfed subsequently approved the credit card application. On XXXX XXXX, 2016 I again applied for credit with Penfed and received another email from Penfed stating that my XXXX credit report was locked. I contacted Penfed on this date and explained that my XXXX credit report was n't locked and asked if they could use the same hard pull from XXXX XXXX, 2016. The Penfed representative stated that they could use the same hard pull if it was done within a 90 day period. I proceeded with the application process based on the information provided by the Penfed representative. On XXXX XXXX, 2016 I again applied for credit with Penfed and received an email stating that my XXXX credit report was locked. I again contacted Penfed, as my XXXX credit report was n't locked and I was again informed by the Penfed representative that they could utilize the same hard pull within a 90 day period. Penfed has consistently informed me that they could use the same hard pull as long as it was within 90 days. On XXXX XXXX, 2016 I spoke with a Penfed representative who informed me that their system showed that Penfed only pulled my credit one time on XXXX XXXX, 2016. The representative stated that if I had a credit report detailing that Penfed pulled my credit after XXXX XXXX, 2016 that I needed to submit a copy of my XXXX credit report to Penfed and they would remove the inquiries from XXXX XXXX, 2016 and XXXX XXXX, 2016. I submitted this information to Penfed and also a dispute with XXXX. Both Penfed and XXXX stated that the inquiries were factual. I did n't authorize inquiries of XXXX XXXX, 2016 and XXXX XXXX, 2016, as the Penfed representatives informed me that they would be utilizing the XXXX XXXX, 2016 hard pull from XXXX.
|
| 04/06/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
The lender is one of a growing number which appears to be subjecting penalties targeting XXXXs who invoked forbearance protections in violation of VA Circulars not limited to XXXX, XXXX, the Cares Act, and Public Laws 116-33 & 115-174 When a new cash out refinance loan exceeds the amount of the original loan principal, seasoning of the loan does not apply per 38 USC 3709 ( d ). In XXXX I applied first for an equity line of credit. When that failed, I then applied for a VA Type II cash out refinance also in XXXX. The lender erroneously insisted because covid forbearance resulted in credit reporting suppression until XXXX of XXXX that no payments were made until XX/XX/XXXX. I explained that I continued to make payments despite forbearance credit reporting suppressions. Nevertheless, my applications where canceled because the lender insisted, I needed to make 12 months of payments for the equity line of credit. In the alternative, I would need to make 6 months of payments to obtain a VA backed refinance.
When I explained to the lender no seasoning is required under the exception for Type II cash out refinances, my concerns were ignored, and my loan application was canceled despite superior credit worthiness. It is particularly inherently predatory and discouraging to XXXX for lenders to apply seasoning to all VA backed loans in violation of the statutory rights to the cash out refinance seasoning exceptions under 38 USC 3709 ( d ). Lenders are not allowed to consider XXXX an unsatisfactory credit risk since the Veteran received some type of Covid emergency relief. Pentagon Federal explicitly used deferred payments, or the appearance thereof based on credit suppression, as the sole reason to deny credit. This per XXXX XXXX by telephone and memorialized shortly thereafter by email seeking confirmation on XX/XX/XXXX. Even though I tried to reason with the lender outside of this process, such attempts are fruitless.
|
| 04/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I had a vehicle loan with Pentagon Federal. I refinanced with lower interest rate with another credit union. The new bank sent the payoff to the Pentagon. On XX/XX/2022, Pentagon signed for the payoff. I received email that I was going to be turned into collections for not making my vehicle payment on XX/XX/2022. I called and was told that I had 5 days to either make a payment of clear up the problem. I finally got confirmation that Pentagon had the payoff the entire time. I was told the mail room was behind on XX/XX/2022, and that they would just put me in for a skip payment so there would be no issues with late payment concerns or dents to my credit. I shared my credit is excellent and I do not want it to be dinged due to their incompetence. I was told there was nothing to worry about. Today is XX/XX/2022. I received another email that my loan is delinquent. I called they are still behind in the mail room. They have my payoff they signed for on XX/XX/2022 ; have no idea when they will get to it but when they do if affects my credit they will call the creditors and let them know that I am not at fault. My credit will then be fixed within 30-90 days. So unacceptable! I had to report an employee that forgot to put me on hold, and mocked me when I spoke and states " blah, blah, blah, blah ''. When I said excuse me, did your forget to hit mute because I just heard every bit of your mocking me. She replied " oh sorry ''. Now my credit has been dinged XXXX points. It was excellent prior to this. Everytime I call Pentagon Fed they hang up on me, give me excuses that they mail room is behind and now they are saying I owe them {XXXX} in interest that grew in the 30 days they had the payoff. That is ridiculous. I am not paying anything. They had the payoff 30 days ago, it should not have grew any interest! It should have been paid off the day you received the check! Please help!
XXXX XXXX ( XXXX ) XXXX XXXX XXXX
|
| 04/04/2016 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
On XXXX XXXX, XXXX, I contacted PENFED Credit Union at XXXX, and talked to a customer service representative regarding the amount of {$490.00} which was paid twice to my personal loan. I informed the customer rep that I can not afford to pay the loan twice since am paying for mortgage and other loans. That, am currently retired and am in a fixed income. The customer representative informed me that the amount of {$490.00} will be reversed back to my XXXX XXXX XXXX XXXX in 48 hours. On XXXX XXXX, XXXX, I again contacted the PENFED Credit Union and talked to XXXX, Customer Service Representative, and she informed me that the money can not be reversed back to my XXXX XXXX XXXX XXXX, as they will either wired it charging me {$20.00} or mailed me back the check in the amount of {$490.00}. She ask for my pin number which I completely forgot since I have n't used PENFED in XXXX. She did n't provide informed me as to mailing a new pin number. I did n't received good customer service from her. Again, I contacted PENFED Credit Union and talked to XXXX, Supervisor. I told him about the situation, and he said that the money can not be reversed back to my XXXX XXXX XXXX XXXX. I told him that the information provided by the customer service representative on XXXX XXXX, was misleading. XXXX then asked me XXXX questions, and I said none of the above, which locked me out of the system. I ask him what was the reason why he ask me the questions, and he said that is public information. Then, he said that in order for my money to be wired, I need the pin number and if to mail out it will take 7 to 14 days. He then told me that I would have to wait another 24 hours before the system is activated again. Then, another XXXX questions will be ask. I told him that is not fair and that the information provided in XXXX XXXX, was misleading. That, I will never use PENFED Federal Credit Union again after my personal is fully paid off.
|
| 09/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
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PenFed became the servicer on our mortgage in XXXX. Since that time, our loan was established with an Escrow account. They have never paid our Homeowner 's insurance yearly premiums or our Flood insurance yearly premiums. They have paid only 1 of the tax payments due on our property. I have been paying these premiums. They also require that my husband and myself set up individual accounts with their credit union. We are not interested in banking with this credit union so have not funded these accounts.
I have spoken with their Escrow Dept. many times in order to tell them about the insurance and taxes not being paid. I have also conveyed to them that I paid these accounts and for them to update their system and reflect same on our mortgage loan.
In XXXX, XXXX after repeated attempts to get them to comply, I filed a complaint with their Board of Directors. I have been communicating by email and mostly by phone, as they want all conversations recorded. A Senior Mortgage Servicing Loan Care Specialist has been my contact at PenFed since I filed this complaint.
About 10 days ago, I was no longer able to access my mortgage loan information online. Penfed says on a pop-up after logging in that I do not have an account with them. This morning I was told that unless I fund the credit union accounts, I will not have access to my mortgage information online. I asked that I go back to receiving paper statements and that Penfed cancel my payments through their automated system and I will handle direct payment to them due on the first of each month.
What Penfed is doing is damaging and illegal on many fronts.
I requested that Penfed no longer escrow funds monthly since they are not able to make the insurance and tax premium payments. The loan care specialist is working to have the Escrow account closed and funds remitted to us.
Please investigate PenFed Credit Union and PenFed mortgage servicing.
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| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have these accounts that are not mine and i want htem to be removed.
XXXX 1. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
6. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX.
Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
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| 01/29/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Notice to repossess
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Web |
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I am writing to file a formal complaint against Pentagon Federal Credit Union ( PenFed Credit Union ) for the illegal repossession of my vehicle, a XXXX XXXX XXXX XXXX, VIN # XXXX. This complaint is raised due to a breach of the agreed repossession notice period, unauthorized sharing of my personal information with a third party, and the inability to access essential personal items in my vehicle.
On XX/XX/XXXX, I received a notification from PenFed Credit Union informing me that my vehicle could be repossessed if payments were not made current within 21 days of receiving the notice, via return receipt XXXX XXXX XXXX XXXX XXXX XXXX. Contrary to this agreement, my vehicle was seized on XX/XX/XXXX, approximately 15 days after the receipt of the notice. This action is a clear breach of the agreement set forth by PenFed Credit Union.
Additionally, the repossession was executed by an unknown third party, who conducted the seizure on my private property at approximately XXXX XXXX without my express consent. This intrusion not only compromised my safety and privacy but also caused significant distress to my family, especially my children.
Compounding this issue, I currently have no access to personal items left in the vehicle, which are extremely important and essential to my day-to-day activities. The inability to retrieve these items has added to the inconvenience and distress caused by the repossession.
The premature repossession of my vehicle has severely disrupted my daily life and hindered my ability to make the necessary payments. This incident has resulted in loss of wages and additional damages that I have affected my ability to take care of my family. This situation has caused undue stress and financial strain, and I believe that PenFed Credit Union 's actions are in violation of the Truth in Lending Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
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| 09/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
Older American, Servicemember |
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On XXXX XXXX XXXX, I used PenFed Credit Union points to make a reservation from XXXX through XXXX to XXXX.
PenFed chose to use their code sharing relationship with XXXX XXXX to book with XXXX XXXX XXXX XXXX. In addition to the points, I paid additional fees of {$39.00} using my Pen Fed Card. On my PenFed bill, that charge appears as XXXX XXXX XXXX. Note that the reservation notice sent to me by PenFed on XX/XX/XXXX, shows that the charge for {$39.00} was paid to XXXX XXXX XXXX.
On XX/XX/XXXX, XXXX XXXX cancelled the original flight to XXXX and rescheduled the flight through XXXX. I had to pay additional fees. The fees I paid ( {$35.00} and {$97.00} ) to accept that change were also processed through my Pen Fed Card and paid to the aforementioned XXXX XXXX and to XXXX XXXX.
On XX/XX/XXXX, I received a text from XXXX XXXX telling me the originating flight was cancelled. A follow-up call to XXXX revealed that XXXX XXXX was no longer offering that flight and no other arrangements could be made through them that would get me to XXXX in time to make my connection.
As is my right when an airline cancels a flight for their internal reasons, I chose to cancel my reservation.
I contacted PenFed through its agent ( identified in email as XXXX XXXX ). My points were restored, and I received an email on XX/XX/XXXX, asking me to provide EFT information so they could send me the funds due me.
XXXX XXXX operates as a subsidiary as one or more of the following XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its now a month later and more than XXXX months since XXXX cancelled my flights and I requested a refund from PenFed.
All of the agents operating in this matter were doing so under the aegis of PenFed rewards. Its time for PenFed to accept responsibility and refund my money.
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| 09/19/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Can't close your account
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Web |
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Member # XXXX, In regard to the continuing saga of trying to get XXXX XXXX market CD released, I have an appointment with a lawyer on Monday to try to have these funds released. I dont know what will happen, but if you get a letter from an attorney, you will probably turn it over to a large legal team that will stall this matter in court for ever. However I might not have any choice because of your lack of cooperation so far. I am hoping Pen Fed, worth XXXX, has the integrity to comply to this request of returning {$10000.00} to its rightful owner.
We have been trying to get this money released since XXXX.
To date at you or someones request we have provided PenFed with 2 XXXX, because the first one was not good enough. A letter from XXXX asking for her money, then the same letter notarized. Since her address and phone number are no longer valid, one of your associates wanted to talk to her on the phone from her bed in the rehab center. That got the money transferred to another account which does not help. We have provided your forms ; XXXX Agents Affidavit, XXXX, and Statement of Indemnity, XXXX. You have even been contacted by XXXX XXXX, an organization helping me to apply for Medicaid for XXXX.
Your last email said that you wanted to review the XXXX, which you received on XX/XX/XXXX. If you have taken the time to do so, it has been a month since it was received by you.
XXXX at the age of XXXX, fell in her apartment on XX/XX/XXXX, she had a XXXX XXXX and has been in a hospital or rehab for about a month and now because of accelerating XXXX, has been placed in a memory care facility, nursing home for the rest of her life. She is no longer able to communicate with you.
In order for her to be accepted by Medicaid, she needs to exhaust all of her assets. She is in desperate need of these funds to continue care. I am appealing to you one last time before I meet with the attorney
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| 02/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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XX/XX/XXXX at XXXX ; XXXX XXXX called Pentagon Federal Credit Union to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, XXXX, and XXXX. I was notified by the representative that this account can not be paid to PenFed because they no longer own the account. I asked when was the account sold and was told back in XX/XX/XXXX. My next question was should this account then be reporting a XXXX balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, PenFed is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XX/XX/XXXX after it was charged off. After concluding the called XXXX and spoke to XXXX to initiate a dispute regarding this PenFed account. I stated that PenFed should be reporting a XXXX balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX XXXX. Lastly, I initiated a dispute with XXXX at XXXX XXXX with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the Pentagon Federal Bankcard was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a XXXX balance and sold or transferred to another lender it was. At XXXX XXXX I contacted Pentagon Federal Credit Union again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that PenFed can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that PenFederal Credit Union provided an inaccurate verification of the debt to the three major credit reporting agencies.
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| 04/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/XXXX, I applied online for a new credit card with Penfed Credit Union. I was not approved at the time, but was sent an email stating they needed to verify my identity to process the application. I was told to upload my driver 's license and social security card thru the Penfed upload tool on the company 's website. I tried doing this without success, as I kept receiving an error message. I contacted Penfed and the agent attempted to resolve the issue, but was unable to. I was then told to fax Penfed the documentation and I did that the same day. I then contacted Penfed inquiring as to whether or not they received the documents and they stated they did, but can not accept them because they require XXXX, not XXXX and white. I then stated that is impossible to do via fax and asked if I could email them to the company and was told I can not. I was then told to come into a branch to provide the documentation in person. I told the agent I could not do that because the closest branch is approximately XXXX hours away from me in XXXX California. I was then told they would cancel the application and there would be no hard inquiry on my credit report because they could not verify my identity, thus not being able to process the application.
On XX/XX/XXXX, I noticed the hard inquiry on my XXXX credit report and contacted Penfed. The agent apologized and stated he would open a case to have it removed.
On XX/XX/XXXX, I again noticed the hard inquiry on my XXXX credit report and again, contacted Penfed. The agent apologized and stated he would open a case to have it removed.
On XX/XX/XXXX, I received an alert from XXXX regarding the dispute and the hard inquiry was still showing. I again contacted Penfed and was told by the agent that they report factual information without explanation. I then asked to speak with a XXXX and was told I was put on a list for a XXXX to contact me.
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| 01/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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PenFed CU XXXX # XXXX On XX/XX/XXXX, my XXXX credit card from PenFed Credit Union was lost/stolen, while I was visiting XXXX, XXXX, XXXX. I noticed the card was not in my possession that same evening, and contacted PenFed to report the card as lost/stolen, and dispute any unauthorized charges that were on the card. There was one approved charge and a few declined charges on the card. The approved charge which I am disputing is the following : XXXX XXXX XXXX XXXX for {$12000.00} PenFed agents were quick to lock my card, request a replacement card to be sent to my address, and give me a credit for the fraudulent transaction. Starting from XXXX, I kept receiving calls from somebody named XXXX, from a standalone firm, and not PenFed, doing the fraud investigation on behalf of PenFed, which is in itself ridiculous ... why is my private financial information even being shared with a 3rd party without my consent?! She left me 2 voicemails on my phone, and I kept trying to reach her, every single time, calling the number she had left. However, I was unsuccessful every time, and I left her voicemails with all the information she might have needed including the police report number, asking her to contact me via phone or email, if she still needs to talk to me. Today, On XX/XX/XXXX, I noticed the charge has been reposted onto my account, which has made me furious ... I really hope this is just a mistake with their system. To solidify my case, I have filed the police report # XXXX, Officer XXXX, XXXX # XXXX.
The unauthorized charges on the XXXX credit card that PenFed CU is refusing to reimburse me for is as follows : XXXX XXXX XXXX XXXX for {$12000.00} I, hereby, request that PenFed CU stand by its zero percent fraud protection guarantee, and make me whole. The reporting of the fraud was prompt, within only a few hours of its occurrence, and it is their duty to do so according to law.
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| 07/19/2021 |
Yes |
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Web |
Older American, Servicemember |
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Hello, I contacted Penfed ( Pentagon Federal Credit Union ) credit union early XX/XX/2021 for a refinance on an existing VA loan to lower the interest rate and payments on the existing loan.
I was incline to take a Interest Rate Reduction Refinance Loan ( IRRRL ) with the Credit Union for two reasons ; 1. I was already a member and 2. The Rate Quote and the no closing cost.
During the process I was told about closing cost .. and I usually corrected them with I believe there are no closing cost, and I was told ; by the refinance agent right " no closing cost ''.
As the date came closer to the closing date I saw closing documents that had closing cost from {$1100.00} to {$45.00} and again I asked the loan agent, I have not been told about closing cost, nor did I ask to roll over any closing cost into the refinanced amount. I was again reassured that there would be no closing cost. The closing documents were corrected and it came down to closing cost, which came out to be {$45.00}.
This refinance will create income for the Credit Union just by collecting the interest from the new loan. So I could see the Credit Union not having Closing Cost.
My complaint is that at anytime the agents could have said, there are closing cost but it was not straight forward and that is the complaint. I pushed hard for no closing and I reviewed the closing statement very carefully, and would bring the issue of No Closing Cost at every bend of the refinancing process. The document attached lead me to believe there would be no closing cost and even with all the disclaimers on it I went ahead with the processing of refinancing our VA loan, the credit union agent could have said anywhere in the processes there is going to be closing cost, and they didn't.
Either I was lucky, or I pushed enough and as a result we only had {$45.00} in closing cost. Perhaps others can benefit from knowing this.
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| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I sent each company and each credit bureau notarized letters, police reports, and identity theft affidavits. I also sent proof of my address and asked each company to send me proof of the account, how the account was verified and the company 's verification method. these companies failed to show any proof that the account belong to me. i followed up with a failure to investigate letter and my request was totally denied and ignored by these creditor companies and credit bureaus. i sent these companies a 1692 G ( B ) letter and i asked these companies to follow up with me. XXXX XXXX XXXX XXXX sent out false information to a false and fraudulent address, i called and asked XXXX XXXX XXXX XXXX why wasn't the information sent to the updated address, they never replied back. XXXX XXXX never sent me and documentation verifying this account nor did XXXX XXXX, XXXXXXXX XXXX, Pentagon Federal credit union. these companies are reporting false information on my credit files and have also sold my personal information to third part collection companies which is illegal given the fact i never authorized any of these companies to use my personal information to obtain any credit accounts. These companies have also charged off these debts and have been trying to collect payment through third party collection companies, i have been harassed by these collection agencies. These creditor and credit bureaus have violated my consumer rights in a major way. i have contacted the state attorney general to file a complaint against these companies. i want this information removed immediately from my credit files within 30 days. they have failed to investigate the correct way, they have failed to validate any of these accounts. XXXX has also leaked my personal information in data breaches and refuse to remove and fraudulent credit accounts, inquires, and false data reporting on my credit files.
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| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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I'm writing to express my extreme displeasure with the processing of our loan over the past few months. Our loan process started back in XXXX when we were pre-qualified for a loan on the purchase of a new home. After not hearing from anyone till about 3 weeks ago, I contacted the loan processor to check on our loan and he advised me to email the loan officer to check the status and to get an update. I never heard from anyone till last Friday, XX/XX/XXXX. The processor called and said we needed to get paperwork in asap and I got on that within hours of him contacting me. Then on Monday I was advised that we had to get certain paperwork in or we could not close on XX/XX/XXXX. Penfed knew our closing day was XX/XX/XXXX and that everything needed to be in so we could close and yet I was informed on Tuesday that one paper was not filed on Monday so we could not close on XX/XX/XXXX. Isn't it a requirement to stay in contact with us in a certain amount of time? Reg Z I believe explains the expectation. I'm pretty sure that has been violated during this loan process. So we were going to close on the XXXX and move our stuff into our new home over the weekend. We even had family coming with trucks to help move and now that can not happen because of someone dropping the ball at Penfed. We now have to have our movers move more stuff, which will cost us more money and we have to rent another truck to make up for the fact that our family can not come on Sunday. If I was not clear at the beginning, I'm extremely disappointed. Penfed needs to make up for this in some way as this is entirely your companies fault that I now have to put out more money for my move and now am extremely stressed out due to no fault of my own. I feel that Penfed should pay for our extra costs we are incurring and give us a lower rate or pay our closing costs to make up for this problem.
|
| 10/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
Older American, Servicemember |
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VEHICLE LOAN WAS APPROVED ; CONTRACT WAS SIGNED ; THEN DENIED.
I traded in a XXXX vehicle to purchase a XXXX vehicle at XXXX XXXX in XXXX XXXX, MD. The loan was approved by XXXX on XXXX/XXXX/XXXX for a loan of {$88000.00} aXXXX XXXX XXXX 84 monthly payments of {$1200.00}. The car dealership prepared all of the paperwork which I signed. With financial approval, I took possession of the vehicle and drove it home.
A few days passed, and the car dealership called me to say that XXXX reversed the loan approval based on my prior history with them. ( I had previously XXXX a Bankruptcy XXXX debt for {$1000.00} with XXXX XXXX on XXXX XXXX, XXXX ). XXXX XXXX attempted to resolve the issue with XXXX on my behalf stating that the incident occurred over 17 years ago, but to no avail.
I received a letter mailed from XXXX dated XXXX/XXXX/XXXX ( received on XXXX/XXXX/XXXX ) stating that they were unable to approve my loan due to XXXX has Caused XXXX to Suffer a Loss. The letter stated that XXXX obtained my credit score from XXXX and used it in making their credit decision. My credit score was XXXX.
The unfair credit practices are that XXXX denied me a loan unfairly as my credit score represents good or 'very good ' for credit worthiness and they relied on outdated circumstances from 17 years ago without providing me the opportunity to explain my past hardship and/or my current financial standing.
As a financial institution, loan approval must be based on existing information contained on the credit report. The actions of the Pentagon Federal Credit Union were not based on the Fair Credit Reporting Act, using information that exceeded the statute of limitations for credit reporting practices. They treated me disparately from other applicants who must have been approved for loans with a credit score LESS THAN XXXX and/or with prior adverse circumstances.
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| 10/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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Penfed advertise on its website that one of the main benefits of its PENFED PATHFINDER REWARDS XXXX XXXX CARD is a " {$100.00} Annual Air Travel Credit for baggage fees, lounge access and onboard food and beverages ''.
On XX/XX/19 I charged {$30.00} for baggage fee on a XXXX flight and a week later I got a {$30.00} credit.
On XX/XX/19 I used the card to pay for baggage fees for {$80.00} for 2 flights with XXXX and expected a {$70.00} credit ( {$100.00} minus {$30.00} already received in XXXX ). After few weeks, I started calling Penfed to investigate why I had not received the credit. First I was told that it would happen automatically, but it would take up to 12 weeks. After 12 weeks I called again and nobody would even know who I should talk to. After multiple phone calls, I was told that I would need to talk to the Concierge Dept. I made multiple calls to the Concierge Department and nobody had any idea why I had not received the credit. After 3 phone calls, I was finally able to speak to a supervisor and asked if someone could investigate and call me back. When I finally received a call back, I was informed that " the card only reimburses charges by Domestic airline and therefore XXXX would not qualify ''. I pointed out that there was no reference to this in any of the marketing material I received nor on the website, which by the way, still shows today misleading marketing information.
I believe that since Penfed advertises on all its marketing material " {$100.00} Annual Air Travel Credit for baggage fees, lounge access and onboard food and beverages '', the Penfed should reimburse customers for up to {$100.00}. Going forward if Penfed does not want to reimburse consumers for charges from international airlines, then that should be made clear in all marketing material including the website ( screenshot of the penfed site is attached ).
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| 06/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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PenFed in its response to my complaint ( the text of which is attached ) provided me with incorrect and misleading information.
XXXX XXXX, Senior Vice President, Operations of Pentagon Federal Credit Union among other things had stated the following : Members can use a teletypewriter ( TTY ) based telecommunications relay service to call us if they are unable to communicate directly by phone.
On PenFeds website https : //home.penfed.org/help/s/article/How-to-Contact-PenFed? language=en_US a printout of which is attached there are two TTY numbers listed : TTY ( for the hearing impaired ) : XXXX or XXXX While the numbers are annotated as for the hearing impaired and does not list any other XXXX, I attempted to call both of the number using a TTY enabled device on XX/XX/2023 at the following times : three times to XXXX around XXXX XXXX Eastern time, then one time to XXXX around XXXX XXXX, and then again three times to XXXX around XXXX XXXX. Out of my 7 attempts I never received a TTY response.
XXXX XXXX in their attached response also states : Please call us at XXXX XXXX XXXX if you would like to delete your external account.
On XX/XX/2023 at XXXX XXXX Eastern Time I made my best effort attempt to place a voice call to XXXX XXXX XXXX. The person who answered the calls disconnected the call after XXXX min and XXXX seconds.
I made a second attempt to place a call at XXXX XXXX Eastern time and the person who answered the call at that time disconnected the call after XXXX min and XXXX seconds.
Based on my experience described above, I claim that XXXX XXXX, Senior Vice President, Operations of Pentagon Federal Credit Union made misleading statements in their response to CFPB. I also claim that PenFed does not provide the same level of service to consumers who prefer not to communicate via telephone as it does to the rest of the consumers.
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| 05/15/2015 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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Last year I applied for a credit card from PenFed Credit Union. I never got the card. I believe it went to the house next door to me. On a Sat I got mail and did not open it until Sun. Thats when I saw a bill saying that I owe almost {$3000.00}. I called PenFed and had them lock down the account but their was only about {$300.00} left to charge on the bill. They told me to call on Mon. when the office was open. I told them the card stolen, and the almost {$3000.00} was not mine. PenFed made sure the account was locked down. They said they where going to issue me a new card. I never got it. I called and emailed them three or four times, to tell them what I think happen to the card. The last email I sent said they would forward it to the appropriate department. Thats all I hear from them. When I went to do a HARP loan I found out, I fould out in my liabilities PenFed said I had a debt of {$2900.00}. So even though I have given them all the information on who I think the card went to, they did nothing. I still have the XXXX emails I sent them last year. I told them who I think used the credit card and got nor response. All they have to do is see who called in the order, and where the merchandise was sent. This would answer everything. I told them I did not get the credit card, had them lock it down as soon as I found out, but they put the debt on me. I want is for them to remove the {$2900.00} from the XXXX credit agencies. If they do n't want to go after the people that took the money, and I told them where I thought it went thats their problem not mine. Thank You very much. I do at lease have one of the emails I sent PenFed last year. ( I NEVER GOT A CREDIT CARD, ONLY THE STATEMENT THAT HAS XED OUT NUMBER, I HAVE NO IDEA WHAT THE NUMBER IS, THEY NEVER SENT ANYTHING WITH THE CREDIT CARD NUMBER ). ( Member No. XXXX XXXX Account ( XXXX ) XXXX XXXX
|
| 12/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
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|
Web |
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Good Morning, I have had account with PenFed Credit Union for quite some time. I opened a personal loan with PenFed in XX/XX/XXXX for {$20000.00}. The outstanding balance is {$17000.00}. Since the beginning of this loan, I have made payments on the loan from my primary checking account ( XXXX XXXX ). Within their system, there has always been an option to click " Make a Payment '' then select the external account that you would like to use to make the payment. I have a credit card and two loan accounts with PenFed. The pay from my XXXX XXXX account option still remains there for my Credit Card. However, when I attempt to pay ( either from the app, or by logging into the website ) the option is no longer there. It does say to add an external account. So I go through the steps to add an external account, and at the end, it says that the account is already connect. However, it doesn't appear, or let me use it to pay.
When I called in the first time, they advised there was an issue and they would enter a ticket for it. Today I called in and told them I still am unable to pay. The representative offered to process a payment over the phone. I agreed and the payment was processed. However, I told her that I do not want any late fees or negative reporting because your system would not allow me to pay. She laughed and said no you will still get the fees and negative reporting.
There is a level of responsibility that a lending institution must have, when it comes to the products that they offer. If I called in and advised them of the program, that they refuse to fix it, that is a level of dissatisfaction that I am not happy with.
I am not trying to not pay a loan at all, remember I am the one that called in today. I just do not think it is fair to receive any penalty or adverse reporting when their system is broken and will not allow me to pay.
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| 08/10/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/2023 our home was hit with one of the largest hail storms in history for our area. Over $ 111K in damage and home needs roof replacemnt. Our Insurance Company XXXX XXXX issued check to cover damages ( minus deductible ) in the amount of {$81000.00}. To replace our roof it will cost over $ 111K. PenFed Mortgage is our Mortgage Company and uses XXXX as their 3rd party vendor to handle insurance checks released to their mortgage/homeowners. The check for {$81000.00} was endorsed and sent overnight to XXXX XXXX XXXX XXXX. XXXX, SC XXXX : phone XXXX. They received check and then only released a check back to us ( homeowners ) for $ XXXX. They are HOLDING on to {$41000.00} until COMPLETION of project. The issue being we need this money in order to start/complete replace our roof. I have called 5 times and each time they tell me they are reviewing releasing these additional funds and it will take 3-5 business days. It has now been a month and a half and I had the same phone call today with XXXX. It is in review and they will let us know if they will release the additional money to fund our roof replacement. We will be moving into rainy season come fall here in Texas and HAVE to replace our roof as soon as possible. The $ XXXX does not even cover the cost of the shingles. I have supplied signed contract from roofer/contractor to XXXX stating the cost and process. They can start but we need this money in order to pay for the roof. How can we complete a project if we can not start if they hold on to the money to repair? This is happening with so many that I know and they have filed complaints and the banks have then issued the remaining money so they can repair their homes. It is a horrible business practice to hold onto money that families need in order to make NECESSARY ( roof ) replacement repairs to our home. Please help us. Thank you
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| 04/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
Servicemember |
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On or about XX/XX/2022 I called Pen Fed customer service line to inquire about the balance that was showing on my Pen Fed Credit card because the previous 2 month I had made a {$300.00} payment. When I looked at the balance from the balance transfer the bank had only applied {$42.00} to my balance transfers. When I spoke with the customer service rep he told me that the bank use an algorithm to do the allocations of funds and that I did not have a choice as to how the payments were applied. He stated that if I made the minimum payment and waited until the billing cycle closed and made the payment for the outstanding balance the balance would be paid off so that was what I did, only to find out when I get the statement the following month it shows that I had a cash advance in the amount of {$92.00}. I then call back and spoke a different rep and was told the information as the previous rep stated so I ask to speak with someone that could fix the problem. The rep did forward my situation to a supervisor. The supervisor got back with me that same day and told me that the only thing that she could do was to refund the interest that was charged to the account and in order for me not to pay any interest I would have to pay about {$380.00} and that would have cover the cash advance balance.
As I was talking to the rep I research the rule for this issues and it states that the card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment. During the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances. Pen Fed did not do that as stated by Consumer Financial Protection Bureau XXXX XXXX Allocation of payments.
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| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I had a problem with a subscription service charging a credit card which I had paid off. Because I selected electronic billing, the credit card never sent a bill to me telling me there were charges so I never checked. I have credit monitoring and after the first delinquency notice I called the subscription and thought I turned off the product. They continued to charge, however. I didn't notice for a couple of months due to travel and was just busy- but saw my almost perfect score plummet over 75 points for repeated not paying my credit card. I called the credit card co - they told me to contact the XXXX agencies. I contacted EACH ONE and all worked MARVELOUS! They believed my story given my continuous payment history and the small amount involved ( less that {$50.00} a month ). However, Pentagon Federal Credit Union ( PFCU ) provides it's own scores - but based on the 3 XXXX agencies. I use them, being a veteran, and once I saw their score wasn't changed I called them. They would not change the score! I asked them why- they couldn't give me a rationale. I assumed that it just took time, a month or so, but asked them to investigate and change the score. They just sent me an letter denying my request to change the score without telling me WHY. The score continues to by less than 700 while XXXX, XXXX and XXXX have a range of 790-820 depending on monthly balances. I believe they are doing this because I use their products and was trying to obtain another larger HELOC loan. Or just bureaucratic bs. Again, their excuse for not changing it is " this is what your score is now '', not even bothering to look at the 3 major XXXX score reporting agencies to see if it's been corrected or changed. They insist " I '' must provide reports from all three! When they have access to the information and I gave them permission for HARD credit score checks.
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| 03/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I was approved for a loan on XX/XX/XXXX. They sent me an email asking me to upload my ID and utility bill. I followed the directions. I hadnt heard back from them, and I noticed it was taking a while, so I called them in the middle of XXXX. The woman on the phone asked me about a confirmation code, which I could not find ( I am not sure if I received one and/or recorded it ). She said she had an alternative method for me to upload the documents. She explained it to me. I uploaded a new bill and ID. I recorded the confirmation number.
I called on the evening of XX/XX/XXXX but didnt get through. Then I called again the next day. The woman I talked to said my application was closed because it was more than 30 days old at this point. I explained that I did exactly what I was supposed to do, and in fact, I did it twice. She said that the other representative should have made sure I got a reference number ( different from a confirmation number and given by a representative ) so they could attach my documents to the file. It was a Friday when I called, so that wouldnt be done right away, and unfortunately the paperwork wasnt put together on time, she explained. I asked to speak to a supervisor. The woman said that she would say the same thing, but I asked anyway. I explained the situation. The supervisor said she would escalate it, and have a senior lender take this into consideration. Two days later, I received a letter dated XX/XX/XXXX stating that I was denied.
I called and spoke to a man who said he would have to put me through to sales. The woman I spoke with said I was denied because the credit check was more than 30 days old. My issue is that I sent in the paperwork in a timely fashion, and I was approved, only to be denied due to their negligence. Here are the confirmations for the second upload on XX/XX/XXXX : ID XXXX, XXXX XXXX.
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| 01/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Privacy issues
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Web |
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Pentagon Federal Credit Union did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The XXXX XXXX limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
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| 08/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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The CFPB has been told false information about complaint # XXXX concerning the mortgage servicing department of Pentagon Federal Credit Union ( hereinafter, PenFed ). Additionally, the CFPB artificially collapsed two complaints, with distinct information, about this mortgage servicer into one.
First, I am a member of PenFed and on three separate accounts with it, including the mortgage note on the mortgage in question on these complaints. Those accounts are accounts held with my husband, ( XXXX XXXX ). The account numbers are : XXXX, XXXX, XXXX During the closing on the mortgage loan, I was told that if I did not sign documents making me responsible for the mortgage note, the mortgage loan would not be provided. It was one of several last-minute irregularities on this loan that resulted in increased costs and risks to us. I did sign the mortgage note, so PenFed should not be allowed now to ignore the complaint submitted on behalf of my husband and me because of this. Like so much else from this institution, the CFPB should not rely on PenFeds word that has been cited and instead it should directly investigate the complaint and review the mortgage note and other documents in question. It will find that the mortgage servicing department is guilty of all that is has been accused of in these complaints and that its response is a pretext to avoid detection of its abuses.
The fact that PenFed has willfully withheld critical information from the CFPB in response to these complaints and provided the kind of response it has indicates just how evasive it is, and demonstrates just why the CFPB needs to rely on its own investigation of the complaints and its own review of the legal documents, including the mortgage note, of this mortgage, rather than the false word of the institution and its badly managed mortgage servicing department.
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| 06/16/2022 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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On XX/XX/2022 I reached out to Pen-fed Credit Union to refinance my VA home loan for a cheaper interest rate and also a 15 year mortgage. I spoke with XXXX XXXX in regards to refinancing my VA loan and he explained what the minimum credit score and debt to income ration was.
At this time I checked my credit score and I meet the requirements of the bank and the the VA requirements to refinance my mortgage. The next day I lifted my credit freeze and gave XXXX permission to review my credit for a refinance.
When I called him back he said oh your 2 credit scores are ok but one of them you are off by a few points. I personally feel that he lied to me because I had checked my credit the same day and I meet the qualifications to refinance my VA loan.In fact the VA only requires a XXXX credit score and I was we'll above that., I personally feel that Pen-Fed loan VA loan originator discriminated against me. He never sent me a letter in the mail showing my credit score and nor did he send me a letter stating the reason in which my refinance was denied.
I personally feel that above mention gentleman alone with Pen Fed Federal credit Union Violated the Federal Housing Act.
1. Discrimination in my getting a mortgage, seeking housing assistance, or engaging in other housing-related activities.
2. Discrimination against a 100 % XXXX military Veteran 3. Lied about my credit score 4. Failed to send me a letter in writing explaining why I was denied refinancing my VA loan 5. Unfair and unprofessional housing refinance practices I personal ; ly felt that XXXX XXXX was being untruthful to me on the phone, he was speaking to me as though I was a stupid moronic person or a child.
Address of the loan officer that works for PEN FED as a 3rd party XXXX XXXX XXXX XXXX Mortgage Loan Officer XXXX XXXX XXXX Ph : XXXX Extension XXXX XXXX TX XXXX
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| 05/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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Federal law limits consumers liability for unauthorized transactions on their credit card accounts. However, PenFed imposes a 60 day period for consumers to report unauthorized transactions on their VISA credit card.
After asking PenFed to explain the procedure for disputing unauthorized charges on my account, I received a message from them ( see attached " Message 1 ... '' file ) containing the following sentence : " You have 60 days from the time your credit statement cycles to dispute the transaction in question. '' When asking for clarification in response to that message " Thank you for detailed instructions. I have one question about the 60 days requirement for the time frame to dispute unauthorized charges on my credit card account. Your company and VISA advertise {$0.00} liability for the unauthorized uses of the VISA card and it is not clear to me where o you disclose the 60 days limitation '', I received a response from PenFed highlighting among other things the following statement in their disclosure " You must contact us. *Within 60 days after the error appeared on your statement ''.
While PenFed never mentions in their disclose that the 60 day limitation applies to the unauthorized charges ( PenFed uses the term " error '' ), my question to PenFed to which it responded was very specific and mentioned unauthorized charges.
I would like CFPB to review the documentation and assess whether PenFed 's requirement to customers to agree with the words of the attached disclosure ( see the highlighted statement of " Message 2 attachment ... '' file ) and PenFed 's email communication implying that the highlighted statement pertains to unauthorized charges on consumer 's credit card account is compliant with the Federal law limiting consumer 's liability for unauthorized transactions on their credit card accounts.
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| 08/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Servicemember |
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I applied for a HELOC on XX/XX/XXXX. Due to the size of my property i was informed i would have to pay for an appraisal. Penfed sent me a link that randomly selected a company. I paid {$580.00} to XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX came out to perform the appraisal. We received the appraisal report on XX/XX/2022. I immediately contacted Penfed and stated DISCRIMINATION and the lady 's report had erroneous statements and values to under value our property in addition to quoting the Fair Housing Act. Penfed sent me a Reconsideration of Valuation ( ROV ) to complete with properties we felt were more comparable. I was informed ROV was sent to the Penfed appraisal team who then sent it back to the same company, XXXX XXXX XXXX. I then stated again that I stated DISCRIMINATION. Penfed then stated they will send it to another company. This other company came back with the same value. This was another red flag. For example, appraisal report stated, " The appraisers calculations use lot sales in the past 24 months ranging from $ XXXX - $ XXXX, which is an error and valued our home at $ XXXX times XXXX acres = $ XXXX ''. However, a lot XXXX acres sold for $ XXXX XX/XX/2022. This property is 0.5 miles from my home. This is why i requested a meeting with the Penfed appraisal team to discuss the following : 1. What properties were used in comparison? I would the percentage provided as well.
2. Were any of the properties used in the ROV? If not, I would like a detailed explanation.
3. What second company was used for the appraisal?
I have not heard anything back from Penfed.i also requested my {$580.00} back from Penfed since they were the ones who introduced a XXXX to provide a valuation on my home. There business practices are flawed and need to be corrected immediately. My paperwork for the Heloc is still not complete.
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| 09/08/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My checking account ending in XXXX was closed as a result of having a negative balance in the amount of $ XXXX. Pen Fed then electronically transferred the negative balance to my savings account. I called customer service and spoke to a manager by the name of XXXX on XX/XX/23 to ask if they had written consent per the Electronic Funds Transfer Act to transfer to do this. XXXX stated that I signed the signature card and it will be mailed to me. Pen Fed has yet to send me the requested information that bears my signature that I agreed to the electronic transfer of negative funds being placed in my other accounts. The only paperwork that I received was is attached. Pursuant to 15 USC 1693c, disclosures shall be presented at the time of opening the account and shall include the consumer 's right to stop payment of a preauthorized eft and the procedure to stop payment order. This disclosure was never provided to me during the initial opening of this account. Section 205.10 ( b ) of Regulation E, 12 C.F.R. 205.10 ( b ) provides that preauthorized electronic fund transfers from a consumers account may be authorized only by a written, signed, or similarly authenticated by the consumer. The person that obtains the authorization shall provide a copy to the consumer. Also in addition Section 907 ( a ) of the EFTA, 15 USC 1693e ( a ), provides that a preauthorized electronic fund transfer from a consumers account may be authorized by the consumer only in writing, and a copy of such authorization shall be provided to the consumer when made.
If Pen Fed has proof that I agreed to such transactions, I ask that they please provide this to me as I have requested. If this information can not be provided I am demanding the amount of $ XXXX be removed from my savings account as this was not the account that incurred the overdraft.
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| 03/26/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Problem with fees or penalties
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Web |
Servicemember |
|
I opened an inherited IRA last year with Penfed and opted to place all funds from the IRA in a 7 year inherited IRA CD. The IRS requires that all funds are disbursed out the non spouse inherited ira within 10 years so I decided that I will begin taking disbursement on year 7 after the cd matures. I called penfed in response to a letter about ira tax withholdings I received from them. They said they are requiring me to take a distribution each year in equal payments for 10 years. I told them that I would like to wait a few years after my cd matures to take distribution. Apparently this is a penfed rule that was not explained nor written anywhere in my documents I received from them. And if thats their rules, thats fine but I should have been given some type of notice about it. I immediately requested to transfer funds to a different financial institution that will allow me to take funds out at anytime as long as the account is depleted by the 10th year per IRS guidelines. Penfed said that I would lose all interest if I transfer money out of the account before maturity but they can withdraw funds each year out of my account before maturity as a distribution. It was not explained to me that penfed could take funds out my account before maturity for distribution even though it is not required until the 10th year. They also said they will send me a letter explaining this but I should have received a letter about when opening the account. It is not my wishes to transfer to another financial institution but the deceptive practice of withdrawing money out my cd because of a penfed rule is extremely unfair and I shouldnt pay penalty fees. I will forfeit all interest earned in the CD if I transfer my money elsewhere because of their deception of not disclosing that they will withdraw money out my ira cd each year.
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| 12/10/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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This is a complaint against Pentagon Federal Credit Union my member # XXXX. A check number # XXXX in the amount {$980.00} was cashed XX/XX/XXXX. On review of my bank statement for taxes recently after recovering from my ill health I do not know who wrote the check and who cashed it.The line says Usda XXXX. This is the same line that is seen when the bank charges a fee Pentagon says cjheck was transmitted to them electronically and they cashed it they do not have a copy of it. Initially Pentagon said that it is not Pentagon 's policy to verify electronic transaction unless the consumer alerts them anything that comes through they just cash it. I question that if anyone having access to my account information can write checks electronically and they get cashed. Pentagon now allege they had two years to inquire and the time has passed so they can not inquire any further from the other institution. They allege it could be department of agriculture so I write to department of agriculture and inquire from them as they are not responsible for the check that was cashed since it came electronically. I have nothing to do with department of agriculture they provide no documentation of their inquiry either There is a check number to this transaction and so they should have had a copy i did not authorize an electronic transaction. I need them to give me my money as this was not an authorized transaction or Pentagon provide proof that the check was written by me. Two weeks ago I had spoken to the following XXXX XXXX XXXX ext XXXX, I spoke on XX/XX/XXXX XXXX XXXX ext XXXX and her assistant XXXX ext XXXX as XXXX has not answered my messages. XXXX and XXXX have tried to block information and were non cooperative. XXXX was cooperative first now she has disappeared and does not return my calls XXXX XXXX XXXX XXXXXXXXXXXX
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| 12/07/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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My home has a forced placed insurance policy on it, which I have told the lender I would like to keep as it is cheaper than what I have been quoted from other companies ( house was built in 1930 ) XX/XX/XXXX : Penfed made insurance payment of {$1800.00} from my escrow account. Not long after, I received my insurance policy documents in the mail.
XX/XX/XXXX : My escrow was credited {$1500.00} with the description of " homeowners insurance refund ''. I did not receive notice that they were canceling my homeowners insurance.
XX/XX/XXXX I called Penfed upon noticing the refund and my escrow balance that was now {$3400.00}. I asked why my escrow balance was so high when it should only be 2 months of payments ( my escrow only pays for insurance, not taxes ). I was told they would do an escrow analysis on XX/XX/XXXX.
XX/XX/XXXX I called Penfed again to check on the insurance issue and was told that an escrow analysis could not be done until the insurance issue has been resolved. I was told that they would open a ticket for it and it would take about 5 days.
XX/XX/XXXX I called Penfed for an update on the status of the insurance ticket and was told that it had not been completed, also that they had requested an escrow analysis that would occur sooner than XX/XX/XXXX but it will not be done due to insurance issue.
I have called several times since these dates and each time I am told there are no updates. They will not do an escrow analysis, and they will not resolve the insurance issue. I have communicated that I would like to continue with the lender placed insurance, but they will not tell me why it was canceled other than that they " switched computer systems '' and it was supposed to cancel to transfer over to the " new system ''. I have asked for a call from a manager, nobody has contacted me.
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| 04/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Servicemember |
|
PenFed is not responding to my requests since XX/XX/2020. I have called written letters and email but PenFed is failing to abide by our agreement and protection my PII.
XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/2020 United States Mail Confirmation Receipt Requested Notice of Error and Request for Information Attn. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : Notice of Error and Request for Information XXXX XXXX XXXX XXXX XXXX XXXX Account / Loan Number XXXX Dear Pentagon Federal Credit Union ( PENFED FCU ), This letter is a follow up to my telephone call to you in regards to my personal identifiable information ( PII ) being disclosed to unauthorized persons by PENFED FCU. I recently informed PENFED that my mortgage loan statement were placed on the internet that you mailed to an incorrect address without my request. Your actions have caused me and my family harm. I request an answer to the following questions.
Q1. Why did PEDFED change my mailing address and send my mortgage statements to an incorrect address without my request?
Q2. How long do you maintain copes of my telephone call or transcripts?
Q3. Has PENFED reported any fraudulent activities in regards to my account to any law enforcement agencies? If so, please identify.
In closing, I am very concerned that you deliberately sent my PII to an incorrect address without due regard for my families security. I request answers to my two questions pursuant to Federal Law. I also request all protections afforded me under the Federal Servicemember Civil Relief Act, Florida Servicemember Protection Act, The Federal Credit Union Act and Gramm-Leach-Bliley Act as they may or may not apply.
Regards, ///Original Signed/// XXXX XXXX
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| 02/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
In XX/XX/2020, I spoke to Pentagon Federal Credit Union customer service regarding my financial, health, and employment situation. As per card conditions, I had credit card debt protection insurance which I had been paying for, for over XXXX years. Before the closure and subsequent charge-off of the credit card account, I had requested to activate the same. However, to my surprise, the account was charged off and closed with an outstanding balance that did not reflect my insurance benefits claim payment. I made several attempts to contact the bank following my medical recovery. And neither received nor failed to respond to any PenFed Credit Union Bank communication regarding my account. Instead, the account was sold off to a third party suing me for the outstanding balance that was in contention in the first place.
Additionally, I had my wife ( next of kin ) contact PenFed credit union bank as I was unwell and admitted with life-threatening COVID in XX/XX/2020. The purpose of the calls was to request that the account benefits be activated while in the hospital. However, customer service insisted on speaking to the account owner.
Moreover, whereas other creditors considered the XXXX pandemic and could waive account administration charges, interest charges, and fees attributable to the pandemic in good faith, PenFed ensured to pile all those charges and fees, therefore inflating the account balance. For after that, it was charged off and closed. No remedy was provided ; instead, I received court documents suing me for the outstanding debt. PenFed credit union always assured me the issue would be resolved, but to my surprise, the account was charged off. More confusing is my credit report, which shows that the outstanding balance was settled and therefore did not need further action on my side.
|
| 12/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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I noticed several violations on my consumer credit transaction, demand that this matter is investigated immediately XXXX XXXX XXXX I brought a XXXX XXXXXXXX XXXX XXXX ( XXXX ) vehicle from XXXX of XXXX and XXXX was required to put down a down payment and now its being finance with Pen Fed Credit Union as XXXX XXXX XXXX XXXX violated # XXXX Federal Law on a consumer credit transaction no cash is supposed to be exchanged according to, Federal Law 15 U.S.C 1605 the Finance Charge is the sum of all Charges, according to ( truth and lending act ), defines except as otherwise provided in this section the amount of the finance charge is in connection with any consumer credit transaction shall be determined as the sum of all charges payable directly or indirectly by the person to whom the credit is extended and impose directly or and directly creditor as an incident to the extension of credit. The finance charge does not include fees in amounts imposed by third party closing agencies including, settlement agencies, attorneys, in escrow and title companies, if the creditor does not require the impose of charges or the service provided and does not retain the charges examples of charges. Examples of charges which are included in a finance charge include any of the following types of charges which are applicable. interests, time price differential, and any amount payable under a discount, or other systems or additional charges. Service or carrying charges. Loan fees, Finder fees, or similar charge. 15 U.S.C 1679 82 to protect the public from unfair and deceptive advertisement and business practices by the credit repair organization. 15U.S.C 1662 ( b ) mixing cash with consumer credit transaction. 16 C.F.R 433.1 ( d ) go to the money loan companies that in cash advance for using a social or credit card.
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
My name is XXXX XXXX and I am a former customer of PenFed Mortgage. In XXXX, I purchased a home using PenFed as my mortgage company. We closed on the house in XX/XX/XXXX. Fast forward to XXXX, I had the opportunity to refinance my house at a lower interest rate while shaving off 4 years off the note. I began the refinance process in XX/XX/XXXX. My monthly mortgage payment was always paid via auto-deduction. I paid my mortgage in XX/XX/XXXX like normal. However, for XX/XX/XXXX, I stopped auto-pay because the house would be refinanced. I informed PenFed of the refinance process when I stopped the auto-pay. My XX/XX/XXXX mortgage was officially due on XX/XX/XXXX. The house was paid off via refinance on XX/XX/XXXX. I provided PenFed with proof ( documents ) to show that they received the entire balance pay off yet they are reporting to the credit bureaus that I was over 30 days late. Again, my payment was due XX/XX/XXXX, and the entire house note was paid off on XX/XX/XXXX. They are falsely reporting that I was " 30 days '' late when that is not possible. I made contact via email with various executives at PenFed and they have ignored my request to remove this from my credit reports. In fact, they have not bothered to respond to my email at all. Persons contacted include XXXX XXXX, Executive Vice President and President of Mortgage Banking, as well as XXXX XXXX, Senior Vice President of Mortgage Servicing and XXXX XXXX, Chairman of the Board for PenFed. I filed a complaint with XXXX Credit Reporting and they advised that PenFed confirmed that in XX/XX/XXXX, I was 30 days late. Thus, the credit reporting agency is also refusing to correct this information even though I have proof that the entire mortgage was paid off in XX/XX/XXXX. Address of the property was XXXX XXXX XXXX, XXXX, TX XXXX.
|
| 05/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
I applied for XXXX loans wit h Penfed CU si nce you have to select a vehicle for low risk loans. After getting my done with XXXX XXXX I took the bank draft from Penfed for $ XXXX and purchased the car on XXXX XXXX , 2017 . After purchasing the vehicle, XXXX tried to deposit draft. The draft was returned unpaid. For some reason that loan was cancelled. But the loan that was supposed to be cancelled was not. After lettin g Penfed know the situation and the delaer contacting me. Penfed refused to issue a new check or change the loan. The approval was for $ XXXX for 72 months at 4.50 %. They requested I do another loan in the system and request the same amount. The loan came back with an new approval of only $ XXXX . After talking to and asking Penfed to please just make loan same as original they refused. The vehicle was picked up last ni ght from my home. Since I work weekends. I now do n't have a vehicle and will have to quit my job since it is XXXX miles away. Because I traded in my vehicle so after a month I have nothing. Penfed gave me a loan and charged me XXXX times {$15.00} for overnight service. Why did n't they honor the check? Why would n't they just fix something I did n't do they done. They knew I had vehicle because dealer contacted the m 10 tim es to fix error and Penfed refused. I had $ XXXX equity in my trade and how I 'm I supposed to get that month back and how soon? How do I look for another job after quitting a $ XXXX A YEAR JOB. How do I pay my bills and help my elderly parents get around? I think Penfed should honor our agreement just like I honored my country with my military service. This is just not right. Now Penfed wants me to take a loan for only $ XXXX but not my rate is 6.1 % for 72 months. That 's just not right.
|
| 11/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
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I called XXXX XXXX XXXX on or about XXXX XXXX to inquire if they were able to or willing to finance vehicles with a salvage title ( the salvage title status with THE first subject that I brought up ). I was told " yes '' by the representative on the phone and I went through the steps to become a credit union member and applied for the auto loan on the same phone call ( the vehicle 's VIN number was given to the rep. for XXXX pricing to be obtained ). I was approved for the full asking price on the spot per the representative and received instructions on how to fund my loan for said salvage title vehicle. I moved forward a week later ( after some due diligence on the status of the vehicle ) and opted to have checks for the full amount of the vehicle purchase, as well as promissory note sent overnight to my address. I later signed and returned one of the 2 promissory notes enclosed ( one copy for my files ) and brought the check to the dealer to purchase the car but the check was not honored by the bank ( XXXX ). I called XXXX to find out if I missed a step or if the check was endorsed incorrectly and I was told that they could only finance 50 % of the vehicle 's XXXX value but with my credit score they were not able to do that amount. I have asked for an upper level representative to call me but no one has called me to resolve this issue. I have already taken possesion of the vehicle and as per the XXXX member website this loan remains under my name and my first payment was due on XXXX XXXX. I have included the screen shot where I HAVE PAID THE FIRST PAYMENT ON THIS LOAN ALTHOUGH THEY HAVE REFUSED TO FUND IT. I 'm not sure what else to do. I mentioned to the rep I had been very forthcoming on the first phone call regarding the this vehicle 's salvage title and never kept it a secret.
|
| 10/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
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I have contacted Penfed ( my current credit card company of over 8 years ) multiple time in the last few months at their customer care phone number. I did so because I no longer have a checking/ savings account with them but opted in to use an external account ( my outside bank ) to make a payment on my Penfed credit card. Each time I spoke to Penfeds reps, I was given a form to fill out which I did and returned. I then was walked through setting up the external payment online, which I did. I lastly was told that I needed to wait until two small deposits were made into my external account in order to verify it before I could use the external account to make a payment towards my Penfed credit card. Each time I called in to check on this, I was told it was pending. I got multiple calls from their payment collection team because I missed my payment due to this. Penfed allowed NO OTHER OPTION to make a payment towards my credit card since I did not have their checking/ savings. I also am not local to them to visit a branch. I requested a manager for callback multiple times which they never called me, only promised to have one call. THIS CAUSED A PAST DUE PAYEMENT record on my XXXX and XXXX credit report which dropped my credit score. I believe this was not in fault of my own, but a fault of Penfeds system as well as customer care reps who lacked the knowledge and care when I would call about this issue. I am demanding Penfed remove the past due record entry on my credit report or I will seek further legal action. They have all calls monitored and recorded from the countless times I called in regarding this issue as well as every time I brought it up when they called me about payments.
Desired Outcome/Settlement Desired Settlement : Correction to a credit report - Removal of past due
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| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
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Web |
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As coronavirus destroyed XXXX XXXX industry and people stopped taking XXXX, I lost my income on my XXXX XXXX XXXX, however PenFed credit union to whom I owe money for my taxi loan demands me to pay my XXXX loan as if no coronavirus happened in New York. I would like you to ask PenFed credit union to delay with forcing me to pay my taxi loan to credit union as it is now the worst pandemic in 100 years and the worst recession since the XXXX XXXX. At the time of XXXX crisis in New York, I could not get any income on my XXXX XXXX as there are no riders in XXXX XXXX XXXX because tourists refused to travel to New York, airports do not work and people who get to New York from 29-states are expected to be kept in 14-days quarantine before they are allowed to walk on the streets. In addition, as the XXXX shows are closed there are no people who take XXXX for that shows. My XXXX agent refused to pay my lease payment on my two XXXX XXXX and put them into XXXX storage saying that there is no income to pay me a lease payment. At the same time the XXXX does not enforce any regulations on XXXX XXXX industry and ignores what happened in XXXX industry. Without any income from my XXXX XXXX, I am unable to pay PenFed credit union on my XXXX loan. As I ask my PenFed credit union manager, XXXX XXXX, to delay with payment on my XXXX loan until taxi business come back with people taking XXXX XXXX again, he refused to listen to me. By forcing me with my loan payment to PenFed, which I am unable to pay as I have no income, I will default on my XXXX loan to PenFed would seize my XXXX XXXX and everything I have worked hard all my life. I would like to ask you to tell PenFed to wait until coronavirus vaccine will come to New York and people won't feel scared to take XXXX XXXX again.
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| 01/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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I filed Chapter XXXX in XXXX was granted an Order of Discharge in XX/XX/XXXX. While seeking Judgement for my Bankruptcy I reaffirmed my auto and personal loans with, Pentagon Federal credit union. I have made every payment to both on time, never missing a single payment. I currently have a Checking and Savings Account, I make a monthly deposit from {$850.00} - {$1200.00} to my checking account to cover my auto and personal loans and my life insurance payment.
On XX/XX/XXXX At the end of the year XXXX party, I was recognized for 25 years of service and received a nice plaque and a check for {$2500.00}. On Monday the XX/XX/XXXX I deposited said check into my Penfed checking account. On Tuesday the XX/XX/XXXX, I went to the credit union to withdraw. I was then told that my Checking Account was BLOCKED as of the XX/XX/XXXX, and they couldn't let me have my funds! I asked why and they stated The auto loan was a Bankruptcy and my personal loan was a charge off. I stated that was incorrect both accounts were in Chapter XXXX but I also reaffirmed both loans and have been making on-time payments. I've gone back several times hoping they realized they just can't hold someone's money from them. But no, I was wrong so I went back today todo an Inquiry got my Balance Then I tried to withdraw and was told on the receipt " the transaction could not be completed. No XXXX for my wife and kids this year as well as No NEW YEARS. I'm trying to rebuild my credit and recover from filing chapter XXXX. I chose to open an account with the Pentagon Federal credit union because they know the Rules. Now I choose to remove my money and they will NOT allow me to! I will be meeting with my Bankruptcy Attorney next week. Thanks for the awesome XXXX and new years 25 years of service will get you. {$0000.00}
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| 06/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
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Attached is a copy of the letter I sent to XXXX be XXXX XXXX of the board : XXXX XXXX XXXX PenFed Credit Union XXXX, Board of Directors My name is XXXX and I have been a member of the PenFed credit union for the last five years maybe a little longer. Ive been very happy with my account and the services you provide until this last month. For reasons that have not been explain to me my account was blocked and from what I understand the account numbers was changed and money was taken out and transferred and more money was put into my savings account and then taken out. I have repeatedly ask for the amount of money that is in the account, to be able to look at the transfers and whats going on. Also my credit card I dont know whether somebody is using it not using it because I can not look at the account. I have call repeatedly asking for the amount of money that is the Account, My Social Security check is sent there and I do not know if I got a check or knot. The only info that get I get is that nobody can tell me anything. And I think youll have to agree that this is not a very good way to run a banking system when you can not transfer money in and out of an account, will not tell the customer how much money is in it. They now tell me that they dont know who I am I sent them a copy of my drivers license social Security card and a utility bill and they still say they dont know who I am. This is the reason Im writing a letter to you with the hopes that you can take a look at it and please just let me get out of this organization I dont want anything else to do with PenFed Credit Union XXXX I am a XXXX guy just trying to get by in life and when you hold up my Social Security money and money in my checking account all its doing is making my life miserable. Please help .... XXXX
|
| 06/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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In XX/XX/2021, I applied for a personal XXXX with PenFed in the amount of XXXX USD through their Website. Upon finishing the application, I was requested to submitted additional information to confirm my identity such as my state ID and my Social security card, as both me and my father have the same exact name ( no junior or senior ) but different dates of birth and S.S numbers. After that initial request, I received emails 3 additional times to resubmitted these documents to confirm who I was, and I resubmitted each time. Once they had received my information Multiple times I then received an email stating that I was approved and would received a check in the mail. Once the check had arrived, I deposited the check into my account. roughly a week later I received a letter in the mail with the account information so I can make the payments and is when i had noticed that the last 4 numbers if the social were not mine. I called Penfed to try and have this corrected but have not been able to have this done. After some time of Penfed stating they would fix this issue and would send out a letter, we found out that it was my father 's social as it appeared on his credit report. My father did not authorize for them to use his social as i provided all my information. Eventually, Penfed tried to fix the issue by running my credit to see if I would be approved for the loan but unfortunately did not and did not provide any other remediation to an issue they created if they would have seen the verification documents submitted. My father did not agree under any terms to have a loan in his name and nor do I know his social security number and to this day we are unsure how the accounts got mixed but Penfed has offered no recourse to resolve this issue of stolen identity on their behalf.
|
| 09/03/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Someone had access my Pentagon Federal Credit Union with my username and password, online. He/she also created account on XXXX XXXX XXXX in my name and used my address, and then login-ed into this account, transferred/moved money from my accounts from my Pentagon Federal Credit Union to XXXX XXXX XXXX
After one of the managers at PenFed Credit Union, who was helping me to create new login and new accounts, when I found out about it on XX/XX/2018and went and report to PenFed Credit Union.
One of the managers at PenFed Credit Union, accredited me with {$35000.00}.
However, there are still missing 15.000.00 from my old accounts and my new new accounts. I had been see this manager and other managers almost every weekends, since then. Every times, I asked about this missing money, PenFed managers are saying that I needed to file the complain with XXXX Police because of 'Fraud '. The case number for this event is # XXXX 1. One {$5000.00} was transfer from my other credit card account XXXX, XXXX XXXX XXXX then this money were go through XXXXXX/XX/XXXX. I did spoke with managers at XXXX XXXX XXXX XXXX and they all said that I had to speak to Penfed CU.
2. The other {$10000.00} were transferred from my olds PenFed accounts to XXXX XX/XX/XXXX Credit Card account had not been accounted for. They, PenFed fraud department, think their other manager, somehow missing/forget that.
One of the manager told me after I file the complained with XXXX Police, they ( PenFed ) will give me this amount of money back to me, but until now, I have not get it back yet. I had been see this manager and other manager almost every weeks since then, and filled out a lot of papers Could some one, please help me to get my missing money back?
Regards.
XXXX Bank Name Pentagon Federal Credit Union
|
| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I got the car in XXXX XXXX my first payment on the car wasn't due until XXXX XXXX I paid {$2200.00} on XXXX XXXX for 5 months. I made a payment on XXXX XXXX of $ XXXX also {$25.00} they rejected the payments again on XXXX XXXX, and added on {$75.00} in rejection fees because of stopped payments that I didn't stop.
I recently made a payment on XXXX XXXX, in the amount of {$920.00} and a rejection payment of {$25.00} also on XXXX XXXX. I seen in my account that PenFed Credit Union had both payments processing in my bank account transaction. On XXXX XXXX I seen that both amounts in my account that was suppose to been taking out for the two payments I made was took out and the amount was reversed back into my account. I call Penfed because I seen on they site I pay the carnote I had two messages stating that it was stopped payments. I talked to my bank and asked why are payments being stooped from my account if I never called to have any payments stopped and my Bank told me it wasn't coming from they end and to contact Penfed and I ''called, PenFed and 'asked '' why my payments was stopped and they said it could of been me or my bank I told them no that was my first time calling my bank too see why my payments keep getting stopped. I even made the payment on the phone with one of Penfed workers and the amount of {$910.00} and a {$25.00} rejction fee.payment was stopped and they added on a {$75.00} rejection fee. So I made a nother payment on XXXX XXXX in the amount of {$910.00} and a payment of {$25.00} on the same day. I'm waiting to see if they gone to accept my payment or reject it and add on extra fees.and say it wasn't on they end. My Next payment is not due until XX/XX/2022 I tried to pay two months so that would made my next payment would of been XXXX XXXX.
|
| 11/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Penfed was contacted via email/phone on XX/XX/2023. In response, an Penfed instructed me to send a Hardship Application to XXXX along with supporting documentation. I was sent a response of the application requesting documentation that was not clearly specified on the application. And one in particular was a request of medical documentation during XXXX, as I had constracted the virus temporarily unable to work ( XXXX XXXX XXXX ).
I replied giving a statement asking to please specifiy what kind of documentation that isn't infringing on HIPPA laws as it is my right to privacy. I also, sent over documents showing that I am on government aid and assistance. I was given 10 days to respond only be rejected within said time period with no further explanation other than you didn't gather all the documents. Upon taking a closer look, says OR and I sent an exceedingly amount of information to help them make a decision during my crisis.
During the time of my sickness XXXX XXXX, I was not able to make payments nor did I have the ability to afford my loan. I had called requesting assistance only to be misdirected and avoided. I also, incurred hundreds of dollars of late fees as well as autodraft REJECTION fees. The rejection fees as I understood it were from an autopay that never fully processed. Something that I personally disconnected online when I was no longer able to make payments. Which didn't stop incurring fees even after the account was closed.
The rejection fees were brought their attention when I noted that these were not your standard late fee payments and requested for these payments to be removed. They removed one payment only and the interests have increased significantly. I really need some help and unfortunately this companies ethics is deteriorating.
|
| 07/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Servicemember |
|
PenFed has violated the Dodd-Frank Wall Street Reform and Consumer Credit Protection Act. I emailed PenFed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and asked for my account to be unblocked. I sent in my California Driver 's license, my birth certificate, my XXXX XXXX XXXX phone bill yet PenFed continues to block my account and not provide me with my statement. PenFed demanded that I provide a copy of my social security card and I told PenFed my social security card is for social security purposes and not identification purposes, in addition, I do not trust PenFed with a copy of my social security card and told them criminals can use it steal my identity, open bank accounts and credit cards or apply for a loan or carry out other illegal activities without my knowledge. I told them the documentation provided should have been enough to identify me. PenFed continues to block my account and not provide me with my statements. After my complaint about unfair and deceptive practices was submitted to everyone, I knew I would be retaliated against. I also signed up for automatic payments so that the minimum payment would be deducted from my XXXX account however PenFed cancelled the automatic payments without my authorization and without notifying me. I then emailed PenFed on the XX/XX/XXXX and told " Due to PenFeds unfair and deceptive practices, close my checking and credit cards ending XXXX and XXXX. You also purposefully kept my statements from me each month then stated I was late to the bureaus. I don't want to do business with a discriminatory, unjust company- close all my accounts with PenFed. ''
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
XX/XX/XXXX Opened account online with PenFed Federal Credit Union at XXXX.
XX/XX/XXXX Sent an email to close this account at XXXX.
XX/XX/XXXX Received a response via acknowledgement email from PenFed at XXXX to confirm closure and current mailing address.
XX/XX/XXXX Provided confirmation via email at XXXX with the information XXXX requested.
XX/XX/XXXX Received an email from PenFed stating unable to process this request via email due to amount of funds on hold. I will need to contact a Member Service Representative at XXXX to complete this request.
XX/XX/XXXX XXXX with XXXX at PenFed who advised that I needed to call back on XX/XX/XXXX.
XX/XX/XXXX Spoke with XXXX at PenFed who claims unable to verify my identity after correctly answering all questions he asked.
I called later on that morning, spoke with XXXX who advised account on hold until Tuesday. She claims unable to assist further.
I called back again that same day, spoke with XXXX who advised account on security hold and required certain documents. I submitted my Drivers License and received a confirmation email.
XX/XX/XXXX Spoke with XXXX at PenFed verified my Account number, Date of Birth and email address as requested. She sent me a verification code via text to which I provided back to her. XXXX, indicated that a Cheque in the amount of {$2500.00} would be sent to my address on file. This will be after a XXXX hours review.
XX/XX/XXXX Spoke with XXXX at PenFed who claims that I must provide the following in order to close this account : 1. Color copy of my Driver License 2. My Social Security Card 3. Utility Bill 4. A statement requesting closure of my account Please assist me in obtaining my money from this company PenFed Federal Credit Union.
Thank you!
XXXX XXXX XXXX.
|
| 09/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We have had a mortgage from PenFed Credit Union for several years. We requested and have been getting monthly paper bills since the beginning of the loan about eight years ago. We did not receive a paper bill for the current monthly payment due. I have spent hours and sent numerous emails to PenFed to get the monthly bill which contains data important to my record-keeping. ( Data such as the amount of principal and interest with each payment because sometimes I want to make extra principal payments ).
I've gotten no response to any attempts at contact. When I managed to get through on one call, the rep transferred the call to a voice mail where for hours you can listen to elevator music and a sales pitch.
This has been going on for about three weeks.
Fearing that our XXXX payment due would be outstanding, I went online and used my wife 's debit card to pay the monthly total ( based on the previous bill ). This was a week ago but still the amount due shows the same amount.
We have no idea what's going on there but it has to be chaos. I've been waiting on hold with PenFed for more than an hour even as I write this. Part of the problem stems from their " new '' interface which is really bad and actually doesn't work. Go online with it an you'll see. The information we need is lacking. With regard to our own mortgage, it still shows the same amount owed in spite of the fact that we paid with a credit card. The messaging/contact links do not work. No one comes to the phone. No one sends messages back. If you were here, you would know I'm not exaggerating. It's almost criminal whatever they have going on. I'm furious. I'm not a crank. We pay our bills. I can provide full and detailed information upon request.
I hope you can help resolve this mess.
|
| 06/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have tried to find a solution with PenFed in regards to the auto loan as well as the credit card that I have with the Credit Union. Over the last 6 months I have corresponded with several of the penFed representatives by phone and e mail to result in a fair opportunity for resolving the matter of late un unpaid balances. Starting in XXXX I made many attempts to have the auto loan looked at a negotiated to terms in which were financing the remainder of my auto loan {$16000.00} ( the loan balance was {$30000.00} at beginning of financing 3 years ago ( XXXX ). I have paid over half the loan balance. On XX/XX/XXXX I have e mail from XXXX XXXX advising me that XXXX was able to take control of my loan and find a solution. On XX/XX/XXXX XXXX as advised NEVER corresponded with me regarding loan, nor have I been in conversation with XXXX at all. ( I have all e mail correspondences ) I have taken all extremes in resolving this matter with the Credit union to further my relationship with the bank. Requesting to finance the remaining balance of my auto loan to lower my payment which would then also allow me to stay current on the credit card. PenFed has now started reporting negative actively as well as HARD inquiries on my credit report which in turn has caused a negative impact to my credit score as well as late payments to my credit history. My credit score has now declined due to PenFeds activity and non willingness to work with the consumer to settle payments. The only negative activity on my Credit is PenFed and it is causing hardships now in other areas of my life. I would like to resolve this matter sooner than later with this Credit Union as I am in good standing with all other accounts and payment history and also would like to keep my automobile.
|
| 01/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX, I received an email from XXXX stating that I had a new hard inquiry on my credit report. Soon after, I received the same alerts from other credit bureaus, credit karma, bank, and credit card accounts. I looked into the alert and saw that I had a hard inquiry from Pentagon Federal Credit Union " PENTAGON FEDERAL CR UN recently checked your Experian credit file for an installment loan or new bank account. '' I then attempted to contact XXXX and Pentagon Federal on XX/XX/XXXX. XXXX was closed for the XXXX XXXX holiday and Pentagon Federal never answered ( I tried the number provided by the creditor, listed on XXXX ).
On XX/XX/XXXX, I tried to dispute the inquiry via XXXX online but was informed I needed to call.
Today, XX/XX/XXXX, I contacted XXXX and had the first representative place a Fraud Alert on my account to ensure that I am contacted if someone tries to obtain my credit report. I also filed a dispute with XXXX, over the phone, and they said I should see it removed from my account in the next XXXX hours. They then informed me that I should contact local police to file a report and submit a complaint through the government. Then, they said I need to upload proof that I had submitted complaints and tried to contact the creditor, Pentagon Federal. After I talked with XXXX, I tried Pentagon Federal at XXXX different phones numbers ( XXXX, XXXX, XXXX - no answers or machines to leave messages ), via chat bot ( not a human so wasn't understanding my request ), and submitted a message via their Contact Us page ( have not heard back yet ). Then, I called my local police department to ask how to file a report and they instructed that I should come in and bring any documentation I have ( I am planning on doing this still ).
|
| 01/06/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Penfed acting as servicer of a XXXX mortgage refuses to cooperate with making the mortgage affordable contravening XXXX mission to prevent foreclosure. After a lengthy illness, lost of business, and divorce my income was seriously impacted. I asked PenFed to reduce the interest rate to make the property permanently affordable. A modification is a one-time event, I wanted to make sure I received XXXX that I could afford moving forward. PenFed continued an aggressive pattern of collection activity and refused payments unless it represented the entire arrears. PedFed misled me with respect to XXXX, I thought PenFed owned the loan, but it is XXXX. They continued a pattern of deception stating XXXX refused any action other than foreclosure and full payment. They offered what they considered a modification which was same terms as the mortgage note and payment, but basically charging the arrears back into the account. However, with the same mortgage payment and interest rate, I could be back into losing the property - so I request an modification that included the reduction of the interest rate to 4 % from the 5.12 %. The national standard at the time was 3.25 % - 3.75 %. PenFed I believe feels it is more profitable to keep the higher rate to the detriment of affordability. I can maintain my home if they would offer that. Instead they are auctioning my home with a balance of {$99000.00} left on the note. How does that make sense? The work contacted by the Massachusetts Division of Banking requesting they work with me a little longer, they refused. They told Massachusetts and me that XXXX never got back to them. After speaking with XXXX, they said the servicer can make the decision to halt and work with me. PenFed again refused. Please help.
|
| 08/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I completed an online form to transfer {$10000.00} to pay a creditor on XX/XX/2022. The balance needed to be paid by XX/XX/XXXX to avoid interest charges. PFCU offered me a 12 month interest free balance transfer. On or about XX/XX/XXXX, I realized that the transfer would not be completed by the first of XXXX so I used other money 's to pay the balance. During the balance transfer process, they asked for the name of the vendor and stated that if the vendor was not listed, I would be able to put them in later in the process. My vendor, XXXX, was not listed. The closest to them alphabetically was a company called XXXX XXXX. I clicked on them thinking that I could correct it later. I was never given an opportunity to change it. I also included my XXXX routing number and account number. They never received any money. When I canceled the transaction on the XXXX, PFCU told me that the check had been sent to XXXX XXXX. I was surprised because I put the account number and routing number on the transfer. There was a transaction ID so I assumed it was just a matter of reversing the transaction or canceling the check. That was three months ago. I've been carrying a XXXX balance that I never received AND they've been reporting me to the credit bureaus for non payment. This was supposed to be an interest free transfer. I've lost about XXXX points on my credit report and I don't think I should be paying for moneys that I never received. PFCU keeps telling me that it takes time to retrieve the money. As far as I'm concerned, it's an issue between PenFed and XXXX XXXX. I should not be carrying a balance or expected to pay back money I never received. Not to mention, taking a credit hit because they can't find where THEY sent money. Please advise!
|
| 12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
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I applied for a Pen Fed Credit Union credit card. I received my denial letter, dated XX/XX/XXXX. The credit card application number is XXXX, and the reason for denial was " We are unable to verify the identity of the applicant and/or the co-applicant ''.
XX/XX/XXXX at XXXX pm, I requested the name in writing from the first Cust svc agent at XXXX. The agent refused, but instead shuttled me to the inside XXXX call center. XXXX has refused to provide me with a credit report, because they have false information on my report, have refused to remove it and demand that I present false ID that matches what they have on it. That call resulted of course, in nothing.
XX/XX/XXXX at XXXX XXXX, I requested the name on my denial letter in writing from the second Customer service agent, at XXXX. XXXX stated the same, " We collect our information from XXXX. I can't email you anything, but we can give you the number for XXXX. '' I declined that as it is not what I requested or needed and XXXX has denied three requests plus false IDs. I asked for a supervisor.
XX/XX/XXXX at XXXXXXXX XXXX the Pen Fed supervisor called me. I explained the same requirement as described in the Fair Credit Reporting Act. When a consumer is denied credit, the! ) Reason and 2 ) Source must be included in the denial letter. This supervisor said " We typically don't do that. '' I repeated that it is Federal Law, and I am entitled to that same form with the listed reason " Unable to verify identity '' along with XXXX as the source. She stated that she would see what she could do, because typically they get all their information from XXXX. I demand this properly formatted letter with XXXX as the source from PenFed Credit Union and a cease to their violation of the law.
|
| 05/20/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/2019 RE : Social Security Number : XXXX-XXXX-XXXX To Whom It May Concern, This letter serves as a dispute and claim to be filed against Pentagon Federal CR UN in regards to account # XXXX.
I called on XX/XX/2019 at XXXX ( time stamp ) and an employee, on a recorded line, stated that I could pay three monthly payments of {$480.00}, automatically deducted from my checking account, and my account would be brought current. I expressed concerns about the payments being too high, and asked if they could be lowered. The employee stated that this program would allow me to make the three consecutive monthly payments of {$480.00}, Pentagon Federal CR UN would bring the account current AND after that it would be allowed for the payments to be lowered.
I called back on XX/XX/19 XXXX and spoke to a manager who took their time to listen to the call, came back and apologized for the misinformed information and that that specific employee does not work in that department any further.
According to the Commonwealth of Virginia, oral contracts are enforceable, and because the verbal contract has been broken by Pentagon Federal CR UN it is a breach of contract because Pentagon Federal CR UN did not honor that. I was taken advantage of and lied to by an employee of your establishment.
Since this was determined based upon a recording this is a formal letter for this account to be completely deleted off of my credit report.
Their improper procedures are highly damaging to my credit score.
Please immediately delete these items.
XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-XX/XX/6039XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
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| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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My name is XXXX XXXX, I have been a victim of Fraud Since XXXX, I made a police report in XX/XX/XXXX in the city of XXXX texas. As I was called by a XXXX agency I used to work for telling me that an unknown person came in looking for work using my personal information. I have since battle with inaccuracies on my credit report, I constantly have to monitor my credit report for fraud information. I will be listing the Fraudulent Inquiries on my credit report as they have been done with out my authorization. I can provide my police report I made in XXXX along with letters I have been receiving from the US Department of Justice advising me of being a victim by 3 individuals whom have been indicted using my information.
XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX PENTAGON FCU PENTAGON FCU, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX
|
| 08/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
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I applied a payment of {$1500.00} in good faith on XX/XX/XXXX towards my PenFed credit card because of a 0 % interest charge set to expire on XX/XX/XXXX of {$1400.00} Pen Fed took it upon themselves and applied {$450.00} to that amount that I wanted to pay in full ( because that's how payments usually work to my knowledge oldest balance paid first ) and the other {$1000.00} to a more recent balance that also had 0 % promo they offered me. SO instead of being free and clear of the amount that was subject to an 18 % interest rate They applied {$450.00} to the {$1400.00} and say I STILL owe {$960.00} that now they are charging 18 % interest on that amount. I have found this out on XX/XX/XXXX I called and they said I had to apply one payment wait a day and apply a separate payment for it to pay the oldest balance first. WHY have I never read or seen such difficult processes to pay off balances owed. On top of that... I've been out of work the last 9 months and they didn't care when I told them that I borrowed that initial payment money from someone who I now have to figure out how I'm going pay back on top of how deceitful PENFED had been because now they are charging me Money on an amount that should have been paid in full. I spoke to a manager who just said it is what it is. I feel lied to and wronged as a consumer. This is very deceitful and now I'm afraid to make payments because they do what they want with the amount. I usually read the Terms and Conditions and don't recall this put into wording that consumers can understand. They are making money off of this by charging me interest that should never been billed to me ... on top of that I'm still waiting for an updated statement to see how/where XXXX payment was applied...
|
| 09/14/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
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Web |
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On XX/XX/23 I requested to open a savings account, I provided the branch my social security card, commercial learners permit, commercial drivers license, and standard drivers license numerous times. Furthermore they asked if I can provide additional proof of address. utility, or lease agreement, or auto insurance statement. I told the customer service agent I do not have a car, nor do I own a home, the agent then requested that I get my grandmother, the homeowner to submit her license and her utility bill on my behalf. I told the agent I refuse to submit documentation that is not my own. She transfer me to her manager, then stated penfed has been dealing with a lot of fraud and losses from bills frauds so they need to verify my address to the best of their abilities. I told the agent I will provide any documentation in my possession, but regardless of how Her much fraud penfed has been dealing with the remedy to their fraud situation is never to discriminate against innocent bystanders like myself were not homeowners or car owners, and can not provide a utility bill or insurance letter. In addition to the documents, I provided I also included my XXXX XXXX bank statement and my XXXX bill both of which are in my name, and addressed to the same address on my licenses. In addition, my commercial drivers license, which they are now in possession of is was considered a real ID, a new form of identification to travel domestically or enter government buildings yet penfed continues to give me the runaround. And I was asked to submit a copy of my grandmothers utility bill with her drivers license attached I refused if this is not remedied correctly Im going to seek legal actions against penfed for their discrimination against me.
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| 11/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
- Fees or costs during the application process
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Web |
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Subject : PenFed Credit Union - Mortgage Failure to perform due diligence of determining Condo ineligible prior to requesting Condo Questionnaire -resulting an unnecessary non-refundable expense by third party of {$490.00} On XX/XX/XXXX. I received a call from Loan Processor, informing Condo was ineligible for loan, based on XXXX XXXX rules related two multiple dwelling.
XXXX Application Received XXXX Appraisal Requested and Paid {$580.00} XXXX Informed Appraisal reviewed and approved XX/XX/XXXX informed Condo Questionnaire required and paid {$490.00} XX/XX/XXXX received call Condo doesnt qualify for loan XX/XX/XXXX received call and spoke with PenFed informing Condo ineligible In conversations with PenFed the condo unit layout was described, and lease agreement submitted. Again it was never mentioned before requesting the Condo Questionnaire that the condo unit does not meet XXXX XXXX rules.
It was reported that Condo would be my second home As a result, rate was recalculated on XXXX.
I am seeking the following : Payment of {$490.00} - for prematurely requesting a Condo Questionnaire which unbeknownst included a {$110.00} Rush fee, when the denial decision was communicated prior to review of the Questionnaire.
As a result of failure to perform due diligence, the Questionnaire should not have been requested and secondly I should have been aware of the {$110.00} fee to expedite. Closing was scheduled for XX/XX/XXXX.
I strongly believe the {$490.00} should be at the expense of PenFed, for their mismanagement of reviewing all documents, and because it is through a third party, should not be mean PenFed can not pay or liable for covering the cost due to their neglect to thoroughly or timely review all documents.
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
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|
Web |
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I applied for a savings account with PenFed Credit Union and I was denied access to opening my account due to my credit score that they apparently received from a consumer reporting agency. I received a letter dated XX/XX/2022, from PenFed Credit Union which is included in the attachment stating that my credit score at XXXX is XXXX. I do so believe that a consumer like myself can't have a credit score below XXXX which is included on their document. Consumer reporting agencies have a grave responsibility to report impartial, fair, and accurate information about a consumer to ensure the banking system continues to function properly. I understand that without me the Consumer, there is no credit or banking system. I demand that my account be opened.
Points of Authority 15 U.S. Code 1681 - Congressional findings and statement of purpose - ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
|
| 12/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
|
Complaint against XXXX XXXX XXXX, insured by NCUA.
Offers products to Consumers, such as bank accounts, loans, mortgages, auto loans, interest bearing accounts, popular banking products.
Checking accounts are opened and rated by.Credit Bureau worthiness and credit score values. Consumers who's.credit scores don't meet the threshold of credit values ; are offered an alternative account.
" Checking Limited '' accounts are opened with restrictions, ultimately designed to entrap Consumer from benefits, fees, funds availability, normal convenience and ability to make final transactions ; which are normal to everyday commerce.
A Checking Limited Accounts, are no different than " prepaid ATM/Debit cards '', no different than " cash only accounts '', designed to operate only with " teller services only ''.
ATM Visa Debit is attached, but.does n't function necessarily as credit rather debit, depleting funds ; ..when funds may not be made available ; given a " hard 5 -- 7 day hold on all funds '' ... checks, and cash via ATM machine.
Consumers operating with a Checking Limited Account are doomed to be able to access funds in a timely manner and access positive balances after deposit is made. ONLY CASH is available immediately and only cash ; ... is the only way to make deposit.
This product should be able to mature or expiration dates should apply, after Consumer has established a short or long term banking history.
At this point, the only way to upgrade to " Checking Unlimited '' ... .is by additional credit ratings and credit scores scanned periodically after period of time.
This method of banking is below standards and is only causing hardships, additional fees and mismanagement of personal banking needs.
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| 01/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
Servicemember |
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I opened a savings account via PentagonFCU website on XXXXThen via phone call, a Checking, Line of credit, and XXXX with Pentagon Federal Credit Union on XX/XX/21. During that call they needed to run credit for the XXXX and the XXXX. I asked if this was going to be 1 inquiry and was told yes. In seconds the credit was pulled and no issues. XXXX was approved instantly as was the XXXX. I was opening all of this because they advertised a very low interest fixed rate XXXX on their web. My score is in the XXXX 's with 1 inquiry that was dropping off in XXXX With my score high and almost no debt, expected the good rate. On that same call, they came back with an outrageous rate around 15 % for the XXXX. I cancel the XXXX application and initiated the termination of all accounts. I was going to switch credit unions but felt offended, bait & switched by them and their interest rate. A few weeks later I checked my credit report and find that they have dinged my credit twice, once for the XXXX and once for the XXXX. I called them and filed a dispute, telling them that I was told only one inquiry would take place during that initial call. The dispute has taken over 90 days. I have called multiple times and seem to get nowhere. I even told them I'm ok with one inquiry but they need to remove one. I've been told in XXXX, via a call into Customer service that the sent a letter to me with resolution but I never got it. I called back to get another sent but still no letter. These now are the only XXXX inquiries I have and would like 1 removed. I don't understand how they could ding me twice for the same institution, on the same call. They should have centralized credit instead of each department pulling credit needlessly.
|
| 06/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
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I was contacted about providing proof of insurance when I set up the refinancing auto loan in XXXX, XXXX. I provided my proof of insurance as requested when setting up the account, and again on XX/XX/XXXX. I was then charged a CPI ADD fee of {$1100.00} on XX/XX/XXXX for " not providing proof of insurance '' but I wouldn't have been able to set up the loan had I not provided it.
I then started to notice that I've been getting charged " late fees '' every month, for my autopayment taking too long to process, but I have no means of changing the auto payment date, so on top of my {$180.00} that I pay every month, they started charging me an extra {$29.00} every month starting XX/XX/XXXX. All previous payment before that had not been charged a late fee.
I've been asking them to email me, as my job schedule is from XXXX to XXXX, and can not pick up their calls, but they would not reach back out to me.
This year, I've sent them the updated proof of my insurance ( since the year had expired ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to no response. I received an email from them on XX/XX/XXXX asking again for proof of insurance, which I had not seen until I was notified by mail that they have again charged my account with another CPI ADD fee on XX/XX/XXXX and increased my monthly payments.
As they had not removed the original fee, charged me a second time, and increased my monthly payments to {$240.00} a month for " failure to provide evidence of insurance '' I am reaching out for assistance at this point. I started this refinance loan with {$8600.00} on XX/XX/XXXX, and as of today ( XX/XX/XXXX ) my balance is at {$9500.00}. I've had a full year of payments at this point that have amounted to nothing.
|
| 06/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
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|
Web |
Servicemember |
|
I requested a redemption of my share certificates from the PenFed Credit Union on Thursday XX/XX/XXXX. The next day, only 20 % of the money was deposited into my savings account. The other 80 % was reinvested into other CDs without my knowledge or authorization.
After this frustrating error was solved on XX/XX/XXXX, I tried to link my savings account to wire funds to my XXXX money market account on XX/XX/XXXX.
On XX/XX/XXXX, I was told by two security specialists ( after a series of several detailed questions regarding identity and double verification phone calls ) that the money would be wired immediately and the wire fee would be waived.
Later on XX/XX/XXXX, while checking on the wire transfer, I tried to open my PenFed app and discovered that I was blocked from my own account.
I spent 8 hours on XX/XX/XXXX talking tp several representatives who connected me to fraud specialists, security team members- and was asked to send SEVERAL documents verifying my identity to no avail!! I have sent the following 1. Drivers license 2. Selfie with my drivers license 3. Social security card For address verification, I sent.
4. IRS statements, benefits starrments from my job, XXXX XXXX bills and even a drivinf violation addressed to me with my mailing address on file 5. My aunts drivers license with the mailing address on file 6. My aunts car registration with the address on file 7. My aunts utilities bill with the address on file I live part of the year in XXXX so my US mailing address is at my aunts house. I was never told this would be a problem when I opened my savings account and CDs. In fact, that process took a total of 5 minutes.
These are my hard-earned life savings. I WANT MY MONEY BACK.
|
| 04/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
I/we opened an account with PenFed, when it was for military members and their families. Since I opened my account a few years ago, the company appears to have been acquired by a private company. There also appears to have been some policy changes made.
I paid off all of my debt to my Pen Fed ( Pentagon Federal Credit Union ), that I owed for my credit card with them, in XXXX, 2022. At the time of the final payment, I included a request, that my account be closed.
Since my initial request, I have requested, Several other times, that the company, PenFed, close my account. To date, ( XX/XX/2022 ), they have failed to do so. I have received billing statements showing fees for delayed payments. My account is paid through my bank; ( the bank can attest that there has Never been a payment that was sent to them past the due date ).
After several attempts to close my account over the phone with no success, I researched the company. I sent a letter, including a copy of the cashed, final payment check, to the XXXX XXXX XXXX at PenFed headquarters, in XXXX, Va.
The letter was sent by certified mail and signed for. STILL, they have not closed my account. Instead, I receive dunning notices about outstanding fees owed to them, with no explanation of the fees.
It is my wish and request to close my credit card account ending XXXX immediately. Will you kindly, assist me/us with this matter? I should not be held XXXX by PenFed. I no longer wish to have this account. I am a XXXX Vet, I can not keep dealing with the stress of this issue.
I have attached a copy of the billing statement and a copy of the cancelled check for the payoff payment, from my bank.
Thank you for your assistance in this matter.
|
| 04/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My Penfed credit card information had been stolen and the suspect had used it to commit a number of fraudulent transaction on XX/XX/XXXX. Five of the transactions had been denied, but two of them had gone through. All of the transactions had occurred in the same area in XXXX, CA and at around the same time. I then received a call from Penfed that morning notifying me that there were some fraudulent charges on my credit card account, so I called backed to let them know that I had not initiated those transactions. They then issued me a new card and started a fraud case.
However, a few days later Penfed notified me that the fraud claim had been denied on the basis that the card was present at the time. I do not see how this could be possible because I know for a matter of fact that I was in my apartment in XXXX, CA at the time the fraudulent transactions in question took place ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX {$40.00} and XXXXXXXX XXXX {$300.00} on XX/XX/XXXX ) and my credit card was with me at that time. Penfed also believed that my friends or family could have used my card, but none of my friends or family live with me nor have access to my apartment. I was the only one inside at the time. When I checked that morning on XX/XX/XXXX, the card was where I had always kept it. They also claimed that I had set up a cash advance PIN, which I did not do. Furthermore there was another transaction at the same location at XXXX XXXX for {$40.00} that had been denied due to suspected fraud.
The suspect had initiated all of the fraudulent transactions at around the same location and at around the same time so I'm not sure how any of those transactions could possibly not be fraudulent.
|
| 05/24/2021 |
Yes |
|
- Struggling to pay mortgage
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Web |
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This will be my 4th time filing a complaint against Pentagon Federal Credit Union for charging me their attorney fees XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX THE ATTORNEY IS NAME XXXX XXXX RULE BAR # XXXX this have been going on for quite some time and this will be my 4th request. The first report was filed on XXXX, XXXX, XXXX XXXX and XXXX. Because of the location of my home I am constantly being harass by the bank, builders and brokers to sale. I believe there is someone that work at the bank that is responsible for the harassments. I want it to stop. The fee that this attorney is requesting from my Chapter XXXX attorney for me being late on my XXXX Payment is {$290.00}. I just buried my mother XXXX, uncle XXXX and aunt XXXX all from COVID-1i9. I do not have any extra money to pay Pentagon Federal Credit Union. In addition to the fees when I go to the office in person each month to pay my mortgage the payment is made with a cashier check and deposit in my savings account. The payment sits and they do not transfer the payment to my mortgage because they want me to be late. I can only make my payment on the XXXX of each month and they were demanding the XXXX. I need help and I need them to STOP charging me additional fees that are unethical, If I am in a chapter XXXX how can I afford there attorney fees? When I call no one will speak to me on the phone because I am in a chapter XXXX. No one will help me not even the person that is assigned to help me. I have called no return call no answer. I've visited the office when making payments and no help! But they can charge me attorney fees. I honestly feel that the Bank Attorney, Chapter XXXX Attorney and the Chapter XXXX Trustee are all involved.
|
| 02/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
On XX/XX/XXXX I purchased a XXXX XXXXXXXX XXXX with a loan ( Loan # XXXX ) from Pentagon Federal Credit Union. As is the law in NY State, I added the vehicle to my insurance policy for my other vehicle. The limits on this policy are in excess of both the State and Lender requirements for minimum coverage. In XXXX I noticed a {$1700.00} charge added to my loan principle. This was called " Add CPI ''. This was not GAP insurance that was previously purchased from PenFed.
When I contacted them, they seemed to understand that this may be a mistake on their part, and asked me to upload the insurance card, which I did in XXXX. This card showed that the policy was in place before the car was driven off the lot.
Two months passed and no adjustments were made. In XXXX I stated that this needs to be fixed, I am not comfortable to keep paying for something with interest that doesn't exist, I did however make a double payment in XXXX to keep the account current. As I stated, I had insurance, and still do with another carrier. From PenFed, the " Insurance '' provided for {$1700.00} is non existent. I wasn't sent a policy, ID card or any notice that any of this was being done without my knowledge and consent.
This week, for the hundredth time, they called me and hung up. I called back and was given the run around again about this, that it wasn't their department. So in addition to the charges for insurance, they have been acting in a predatory way.
To further point out that I have insurance and never needed or was required to buy insurance from this lender, I struck a deer in the XXXX XXXXXXXX XXXX. I submitted the claim to my insurance company, and they promptly did an estimate and made payment.
|
| 06/15/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I contacted Pen Fed to obtain a preapproval letter for a mortgage to be able to continue my home search as we begin to emerge from Covid 19 lockdown. I spoke at length with XXXX XXXX who assured me that she would be the loan officer who would work with me from that point on. I understand Pen Fed had an influx of mortgage applications as I was on hold for 3 hours the previous day. After speaking with XXXX on XX/XX/XXXX, I was assured that I would receive disclosures and the pre-approval letter in a few hours - no later than end of day. I know they ran my credit when I was on the phone with XXXX. I finally received disclosures a few days later but no pre-approval letter. I called at end of day XX/XX/XXXX. I left several voicemails for XXXX ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX ), sent emails requesting call back/info on XX/XX/XXXX and XXXX. I never received anything from them via email or phone. The last step I took was to contact the mortgage department on XXXX requesting a supervisor/manager to call me back. I never heard from the " escalation '' team.
I have a few complaints that need to be addressed : 1 ) I was provided false information by XXXX as it pertains to : the loan rate ( she told me that the VA rate would be 2.75 % ) ; {$0.00} down payment required even though I was asking for information on mortgages greater than {$800000.00} ( according to XXXX XXXX and XXXX - the VA loan still requires a deposit on the loan amount that is above the county limits set by the VA ) ; 2 ) No one from Pen Fed has returned my calls or emails since they took all my personal information to begin the mortgage process on XX/XX/XXXX at XXXX despite several attempts from me to reach anyone at Pen Fed .
|
| 02/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Im a XXXX XXXX XXXX cardholder on vacation in XXXX ( XXXX ) where my card has been declined at every single merchant ; using any type of card-present transaction ( Chip, Tap-and-go, Apple Pay ) for my account XXXX.
This new XXXX credit account was established by me recently with the purpose of achieving my {$3000.00} minimum spend requirement during my month long holiday to XXXX, XXXX and XXXX. As of this writing on XX/XX/2023 XXXX has made it impossible for me to use this card overseas.
I have contacted XXXX and spoken to more than XXXX different individuals there since XX/XX/2023 about my challenges while abroad in international calls at my own cost. This is no exaggeration ( check your records ) ; XXXX has XXXX XXXX notes ; and those calls are recorded. The purpose of this complaint is to reach a higher-level department outside of those previously involved to finally resolve this issue = allow me to use my credit card overseas ( physical, card present and apple pay kind of transactions )!
XXXX has made me contact multiple departments over the course of this ordeal. Namely : XXXX Member Services ( aka PenFed themselves ; CC issuer ) Cardmember Security ( apparently a VISA or external vendor party to PenFed ) On XXXX, XX/XX/XXXX- I spoke to XXXX XXXX from XXXX XXXX XXXX who wasnt really helpful. She was escalated directly from a supervisor of XXXX XXXX named XXXX. He informed XXXX that all of my fraud risk profile had been adjusted and accounted for my travel notice ; and further confirmed that all my transactions patterns match the XXXX of a regular traveler. In other words ; the merchants I have been declined at like XXXX do not deserve to be flagged as declined.
|
| 10/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I refinanced my condominium ( just under {$700000.00} ) with XXXX XXXX, closing in XX/XX/2021. I made three payments to XXXX ( XXXX, XXXX, and XX/XX/2021 ) when I received information from Pentagon Federal Credit Union ( PenFed ) that my loan had been sold to them. I registered on their website for automatic payments in mid-XXXX, but noticed that my XX/XX/XXXX payment didn't appear on my bank website. When I checked my PenFed account on their website, it showed I was delinquent for XXXX, despite the fact that I paid XXXX in full to XXXX. I called PenFed on XXXX XXXX and reported the problem. They said they would look into it. They said it looked like XXXX had transferred the principal amount of my payment, but not the interest. I also reported this to XXXX XXXX the same day and received an email saying they would investigate. On XXXX XXXX, I received an email from XXXX XXXX ( with whom I have another loan ) reporting a negative report on my credit record. PenFed filed a delinquency for the full amount of the loan balance 12 days after I reported their error to them. I have been working with them since them but they have failed to remove the erroneous delinquency report from my credit record, causing my score to drop to very poor score. This seems to be a blatant violation of the Real Estate Settlement and Procedures Act, Section C ( 1 ), which provides for a 60-day grace period for reporting to credit bureaus. I have been in contact with Vice Presidents from both XXXX and PenFed but they have not removed this erroneous report from my credit record. I have made all payments timely. I am attaching email correspondence with XXXX XXXX showing that they acknowledge the error.
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| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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YOU BROKE THE LAW ADVERSE ACTONS You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX and XXXX. I have been unable to live fairly because of you assuming this role, Pursuant to 15 USC 1681 ( a ) 4 ) You were unfair in reporting this erroneous information without First consulting with me the consumer. You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as result of that third party. I am demanding that this information be removed soon as possible. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This information is not accurate INDIVIDUAL ACTIONS - 15 USC 1691a1-3 1591b1-5.. I DEMAND AN INVOICE FOR REMEDY AND EXTENSION OF MY CREDIT AS AN FEDERAL RIGHT BY CONGRESS FOR UNEQUIVOCAL ACTIONS **NOTICE**PLEASE RESPOND IN LAWFUL MANOR ( REMEDY INCLUDED ) LAST CHANCE OF PRIVATE ADMINISTRATION PROCESS BEFORE FILING FEDERAL LAWSUIT!
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| 03/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Yesterday night on XX/XX/XXXX, I submitted a complaint about that XXXX keeps illegally information which was successfully discharged by FEDERAL JUDGE in Washington DC in XXXX. I already contacted XXXX about this problem in XXXX, they did not respond to me and explain why and what for XXXX still keeps illegally outdated info, which was removed from all credit reports in XXXX? According to US Trustee - who made payments to PFCU- she paid in full for PRINCIPAL to XXXX.
the XXXX got in full payment for principal.
I also have had an attorney for Bankruptcy ( RECESSION TIME XXXX ) whom I informed about this and I asked XXXX to contact my attorney and not me PFCU still is keeping a feature on my account at XXXX, and asks me to make PAYMENT. also this case was discharged in BK in XXXX. Case closed.
JUDGE wrote on the ORDER : no creditor collector can come to me and ask for payments after it was discharged in the court of law.
The XXXX still keeping old pre BK info and statements and still asks me to make payments.
I have no other choice but to notify my attorney for BK about this violation of the bankruptcy law.
FYI BK CH XXXX to stop foreclosure was successfully discharged in XX/XX/XXXX.
I submitted complaint yesterday night, it was emailed to XXXX, I received a response today : that they deny to me in credit card because I was causing them a loss in XXXX.
I did not ask them for credit card. I asked XXXX to remove illegal improper information what they keep there on my account and they ask me to make payment for the card which was filed and discharged in BK CH XXXX to stop foreclosure.
They can not ask me for payments and now I will contact attorney about this.
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| 06/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have tried several times to settle this matter with this organization. I have received numerous threats by this organization. On XX/XX/2021 I sent an affidavit of truth addressed to the CEO of the company. My affidavit went unanswered to 14 days until i received a letter still threatening repossession action. I have made this organization aware that they do not have my permission to share any of my information with any third parties.No third parties have security interest in the vehicle pursuant 49 USC 14301. The two attaches files will show how this company has ignored my request to settle this matter. They have also threatened me to change the lien holder as well without proving any claims. I requested the company proof of claim. On XX/XX/2021 I received an email which was not mailed to me and in addition addressed to the wrong person. Furthermore I have informed the company pursuant 18 USC 8 that these alleged accounts/ promissory notes are in fact obligations fo the United States XXXX I am now demanding the company to provide to me a more definitive definition of payment along with other questions that were not answered in my affidavit sent XXXX XXXX. Pursuant article 1 section 10 of the constitution debts can only be Paid in silver and gold. I refuse to violate any constitutional laws pertaining to this alleged debt. I also notified Transunion several times by phone whom stated they investigated. Pursuant 1681a ( e ) this investigation was not obtained through personal interviews with any neighbors, friends, or associates. NO such Investigation was done if so please produce to me result of investigations and interviews conducted to verify this alleged debt.
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| 11/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XXXX XXXX, 2021 I applied for a credit card with Penfed, Penfed requested personal document Identification with photo and Social Security Card.
On XX/XX/2021 after I sent all the information requested I contacted an agent of Penfed using the chat in the contact option for the bank. The agent in the chat informed that my application was conditional approved they just need to review the documents I sent and I should received the response in 24 hours.
On XX/XX/2021 I Called Penfed Over the Phone due To not Getting the Response within The 24 Hours indicated The day before.
On XX/XX/2021, I called Penfed again, and the agent that answered the call hung up on me after I was 45 minutes in the line waiting for him to get a supervisor ; my account was fully verified by the automatic system, and I also confirmed my history with him before asking for the supervisor, I am assuming the agent hang up on me in propose because he did not call back even that my contact information it's on my account with Penfed.
I called again to Penfed and spoke with a supervisor and explained to him how unprofessional and incapable its Penfeds customer service and how I feel About being Treated so rudely.
A few minutes after the call, I received the denial email for the credit card. For unjustified reasons, on XX/XX/2021 the actual card I have with Penfed was approved with more inquiries, more balances, and the worst credit score.
Penfed denied the credit card that I was informed was conditionally approved for retaliation. Because of discrimination against me, I sent a valid ID and social security card that matched the information in the application that I was conditional approved.
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| 01/29/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem making or receiving payments
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|
Web |
Servicemember |
|
PenFed ( Pentagon Federal ) Credit Union keeps transferring money back from my checking account to my savings account so that every single time I do a bill pay, the check that is supposed to go to the payee ends up BOUNCING!
They are not ONLY defrauding me, but had been engaging in systematically harassing me through these fraudulent transactions where they bounce checks that I issue from my checking account through bill pay ON PURPOSE.
Before I do any bill pay, I MAKE SURE that I have enough money from my checking account to cover the amount of check I am writing.
As soon as I have issued a bill pay check from my check account, PenFed EITHER closes my checking account OR transfers the money back from my checking account to my savings account WITHOUT MY CONSENT AND KNOWLEDGE!
This has happened TWICE already, and they are doing this to force me to close my accounts with them, not to mention contributing to my unnecessary stress and greatly affecting my state of mind.
Thus, PenFed is committing fraud on my behalf by intentionally and knowingly making it look like I am bouncing checks when I AM NOT, not to mention cruelly and consistently harassing me.
They are also prolonging transactions on purpose so that they can control how long I keep my accounts open instead of me doing that!
There was also a time that one of the member representatives told us ( family member and I ) over the phone that we would have to go back to Texas to deal with this account in a satisfactory manner.
No travel to where the account was opened, no satisfactory resolution was what this PenFed employee indicated.
That sounds like EXTORTION using interstate communication to me!
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| 09/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Penfed has offered credit protection for the payment on loans in the event of being XXXX. This unfortunately has occurred and due to the false advertisement of the credit union who is subcontracting the credit debt protection is not honoring the matter. I was involved in XXXX XXXX which are distinct and separate. One matter I had to ask for help at the courts and now I have a second claim for the XXXX due to a XXXX accident. The Credit Union has not fulfilled their promise and is advertising a program to their own self interest. I feel that as a credit union and being a member and not a customer their is a inherent responsibility for the organization to help me. Penfed has allowed a subcontracted insurance company to deny, delay and defend against payment on claim. They have not been presenting the offering honestly on the web page and the company that they subcontracted to as a insurance company has been beyond difficult to deal with and even blames the credit union for not having the policy and have not fulfilled the promise.
A advertised item that is provided by the credit union should be honored by the credit union. The hands off approach is not only not fair but it also has been paid for. I have no clear answer on denied claim. My accident happened in XX/XX/2020 for this complaint so it is new. The company has the documents and I submitted them with a new form they created on XXXX 2020. This form is modified from the original document for XXXX which should be the standard. The changes made were significant and more intrusive so that the insurance company can deny the claim. I am asking for help as I am suffering a hardship due to a XXXX and XXXX.
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| 01/28/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have reviewed a copy of my credit report and seen there were some inaccurate and fraudulent accounts that are not mines and will need them to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, PENTAGON FEDERAL CR UN XXXX XXXX, XXXX XXXX XXXX # XXXX Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to release my medical information to a third party ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am aware that HIPPA does allow for limited information about me but anything more than to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical Information to you.
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| 09/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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For the last few months there has was not payment due there was all XXXX nor minimum payment all XXXX. I began making payments on my own in XX/XX/2018 for {$50.00} then another payment XXXX XXXX for {$41.00}. When I saw a payment due for {$17.00} for the end of this month on XX/XX/2018 I call and enquired. I was told I did not make a payment this month and that I had to pay. I was upset as each time I call I get a representative with a smart mouth. The representatives talk to me like I am XXXX as though I can not add or subtract and I by no means know what I am talking about. I have before tired of the insults. I have proof that I paid when I said I paid and I wish I would have captured a screen shot of the PenFed account page as further proof but it is long gone. ( see attached transfer to PenFed from XXXX ).
In addition I believe PenFed owes me transfer fees for the transfers made to XXXX XXXX. There were several delays in transferring the money to pay off the high interest rate card and the INTEREST CONTINUED to ACCRUE for MONTHS, by the time the transfer was completed I had secured funds from another financial institution. I believe it is around {$430.00} PenFed owes me. I am positive there should be notation on this account regarding a three way conference call with XXXX about XX/XX/XXXX or XX/XX/2018. If not I am positive XXXX XXXX has this information. The delays in transfer cost me and it appearing this issue with this account is proof as to why there were disturbances within PenFed system. The last representative I spoke said you was behind. My thought is why should I be subjected to these frustrations because of PenFed system issues?
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| 01/10/2024 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Trouble with how payments are being handled
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Web |
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In XX/XX/XXXX, I refinanced my student loans with PenFed Credit Union to a 5 year, adjustable rate loan. I very quickly paid down a large portion of the loan and was a number of months ahead on payments ( PenFed allows customers to skip payments if they are ahead on repayment rather than taking the extra payments off the principal amount ). My monthly statements never actually showed how many months ahead I was, until a change in format with the XX/XX/XXXX statement, which showed my next payment was not due until XX/XX/XXXX. This continued until XX/XX/XXXX, when the statements again changed, now showing my next payment was due that month. I believe what PenFed did was recast or reamortize my loan, effectively negating the months ahead I was on payments and requiring me to make monthly payments again, albeit at a lower amount, all without notifying me.
I have made inquiries about this issue since XX/XX/XXXX. I was finally told in early XXXX that there was indeed an issue with their system in " forecasting due dates after rate adjustments for variable rate loans. '' My 'next payment ' date was corrected and I was ensured that a detailed explanation would be given to me once the issue had been investigated. In late XXXX, I asked for that explanation and was told that additional information could not be given beyond the detail that a problem was identified and a solution given. I believe PenFed Credit Union has changed their policy/practices regarding the management of adjustable rate loans without notifying its customers, and is now actively preventing me from obtaining information to which, as a customer in good standing, I feel I am entitled.
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| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
|
To Whom It May Concern : I recently received a copy of my consumer reports, and I noticed that it is reporting my experience with your company.
The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! Your company is in clear violation of the law. Pursuant 15 USC 1682a 2 ( A ) ( i ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( PENTAGON FEDERAL CREDIT UNION ) Making the report is NOT INCLUDED on my Consumer report!
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) Pentagon Federal Credit Union that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!
YOU HAVE VIOLATED THE FCRA 15 USC 1681 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
PROOF OF PENFED CREDIT UNION REPORTING MY EXPERIENCE IS ATTACHED, AS WELL AS PROOF OFF PENFED CREDIT UNION REPORTING DIFFERENT ADDRESSES PER CREDIT REPORTING AGENCY. THIS IS ILLEGAL.
ALL VIOLATIONS ARE CIRCLED IN RED.
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| 08/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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I have been struggling to reach resolution about my mortgage interest rate lock with my lender. On Thursday XX/XX/XXXX I received an email from XXXX XXXX. She replied that day copying in my loan officer to assist. However, my loan officer was out of the office thus preventing me from locking my rate on that day.
Upon receipt of that email I attempted to lock in my rate a phone representative told me on a recorded line that i could only do that with my loan officer via telephone.
I did not hear from XXXX or Penfed so I followed up on XX/XX/XXXX asking about locking in my rate. I got a auto reply that she was out of the office until XX/XX/XXXX.
I received an automated message later that day that my rate has been locked in - nobody ever contacted me, there was no discussion about the option to buy points. I immediately emailed XXXX upon seeing this on XX/XX/XXXX saying that this practice was problematic and that I had been mislead by the phone representative and not given the option to lock in my rate in the days and weeks before.
I was denied the option to choose from the published rates offered and also suffered harm due to unnecessary delay on behalf of my lender.
My loan officer also advised that to " change '' my rate i would have to pay a XXXXpoint fee. This response is unacceptable.
I have called several times and have not been able to speak to a supervisor about my concerns. I have been told several times that I will get a call back that never comes. I would like assistance with from your regulatory agency to assist with this request at this time. I have all exhausted efforts with the lender at this juncture.
.
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| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Hi- I have been receiving credit/loan denial letters in the mail at my current home address from multiple banks and credit unions where someone has attempted to apply for a loan in my maiden name. I checked my credit report and placed an initial fraud alert on my credit through XXXX. I'm afraid someone has my social sec #, current home address, and definitely my maiden name, XXXX XXXX. My name is now XXXX XXXX XXXX ( married in XX/XX/XXXX ). There are upwards of 11 soft inquiries on my credit report, most of which occurred on XX/XX/XXXX and XX/XX/XXXX. The last time I applied for credit ( myself ) was through XXXX XXXX ( XXXX ), when I opened a credit card to purchase furniture. I am concerned about my finances, credit score, etc. My credit is very volatile because I do not have many open lines of credit, and my mortgage is in my husband 's name and my car is paid off. These inquiries have dropped my credit score by XXXX points. Please advise me on what to do. Should l place a credit freeze with all 3 major credit bureaus? Or is the fraud alert enough to keep me safe? Also, is there anything I can do to dispute these inquiries and raise my credit score?
There are 3 loan applications from XX/XX/XXXX ( that were not me ) made at PENFED Credit Union. Personal Loan Application # XXXX, XXXX, and XXXX ( see attached letters ). Wondering if they have any knowledge if these applications were done online or in a branch. What are their requirements for applying for a loan? I'm trying to understand what information someone has of mine. Ex. ) old driver 's license, piece of mail???
Thank you, XXXX XXXX XX/XX/XXXX Cell : ( XXXX ) XXXX
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| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This is a follow-up to a previous complaint already submitted against Pentagon FCU ( XXXX # XXXX - XXXX ).
On XX/XX/XXXX, we received an update from the customer service supervisor at PenFed that we'd been working with. This supervisor told us that the credit repair case we had open has now been closed by the credit repair department at PenFed with no action taken - i.e. PenFed is now refusing to reverse their previous hard credit pull against my wife ( issued via targeted and discriminatory practices ) to a soft pull altogether. This is a reversal from their previous assertion that they would work with XXXX to reverse the hard pull to a soft pull, and it would take 30-45 days to complete.
This decision was made despite the fact that 1 ) the hard credit pull was made in a targeted fashion against my wife, who has a foreign-sounding name and is female, but not against me ; 2 ) my wife is not the primary account holder for the account and is not the PenFed member for our relationship with them ; 3 ) neither I nor my wife have requested any credit product from PenFed that would require a hard credit pull ; and 4 ) every customer service agent and manager we have spoken to ( including the supervisor we spoke with on the XXXX ) has repeatedly confirmed that this hard credit pull should never have been made - which we have evidence of.
From this, we can only conclude that PenFed is doubling down on their previous discriminatory and targeted actions and the fraudulent explanations they have provided for these actions by having closed this issue without corrective action, despite having acknowledged their wrongdoing on record.
|
| 07/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
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We signed a contract for a home and submitted the contract to Pentagon Federal Credit Union XXXX Penfed XXXX. We were assigned a loan officer, XXXX XXXX, and assigned a closing date of XXXX XXXX. She requested MANY documents for the underwriter, which we returned within only a couple of days. She never confirmed that she received the documents. She did, however, note that she had ordered the appraisal on XXXX XXXX, 2015. The appraisal occurred, but there was an issue with the names on the document. She was given contact information for all parties involved XXXX appraiser, realtor, homeowner 's insurance agent, etc ). She had multiple weeks to get all of her work together. Because I had not heard from her and it was the week of our closing date, I called on Monday, XXXX XXXX. I received no answer, and no response to my voicemail. I called again on Tuesday and received no answer, and no response to my voicemail. On Thursday evening, she calls to say that she is missing signatures on a contract and needs it immediately. We sent it to her within an hour, even though our realtor claims it was sent to her before ( and I believe this because she has continuously lost documents that I have submitted ). Tonight, XXXX nights before closing, she tells me that now that she has the contract, she will have to get an appraisal done, and that I should contact the seller and request a new closing date. I do not want a new closing date, and everyone has done their part to make sure closing happened on time except for her. And if she had answered the phone earlier in the week, or returned a phone call, perhaps we would n't be in this situation.
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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I needed a co signer to purchase a vehicle at XXXX XXXX in XXXX XXXX. I was approved on paper that we had both signed, then days later said I was denied. The dealership ran my credit and my co signers credit without our approval in desperate attempt to get a bank to approve the loan. I had told them if these aren't the rates or the bank doesn't approve do NOT keep trying. I didn't want to ruin my score more than it did as well as the co signer. After not being approved I told them I would return the car and pick up my trade in that they tried to rip me off on. The manager XXXX came at me very rudely and pushy in attempt to sell me a different car. He tried scaring me that my car was going to break down and it would leave me stranded, ( when my vehicle passed all of the safety tests or whatever they check when you trade in a car. It took 3 weeks to receive my refund on my down-payment which was very frustrating, on top of them issuing the check to the co signer when I was the one to purchase the vehicle. They damaged my subwoofer/Amp when they removed it from my vehicle. The general manager wasn't any better he answered the phone unprofessionally by saying who's this? Then offered a free tank of gas for all of the trouble when that doesn't fix any issues. I live 1.5 hours away for that tank of gas by the way. I cant believe the disrespect of this dealership to talk to a female shopping for a vehicle and causing so much damage to 2 people 's credit score out of desperation to sell a vehicle. He talked to me like I couldn't afford a vehicle and that my car was pretty much garbage when they were going to make XXXX on it.
|
| 10/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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XXXX client, XXXX XXXX is a victim of identity theft. She received an attempt to collect a debt related to this account established with XXXX XXXX in XXXX ; her information was used without her consent to establish this account. XXXX XXXX was cpontacted via phone and was told this account was fraudulent XX/XX/XXXX, a current reported amount of the account is {$6500.00} dollars was and still is being reported to XXXX XXXX XXXX XXXX credit bureaus. A police report was made concerning this account and that information was mailed certified with return receipt XX/XX/XXXX ( tracking number XXXX XXXX XXXX XXXX XXXX ) to the address listed on the credit reports for XXXX XXXX. This dispuite was received by XXXX XXXX XX/XX/XXXX at XXXX. My client received via mail, dated XX/XX/XXXX a XXXX XXXX affidavit, asking for the previously received and signed for FTC affidavit, police report and PII again as well as the XXXX XXXX affidavit. This is a violation of the FCRA. Once the account was known fraudulent via the phone call XXXX XXXX had an obligation to send that affidavit and request for information to my client and they failed to do so. Now after the dispute information is received they are asking for an additional affidavit to be completed BEFORE they will conduct an investigation. THe request from XXXX XXXX has been honored and the request dispute information has been mailed again however ; under FCRA sec 611 ( a ) ( 1 ) ( 2 ) ; XXXX XXXX already received the dispute information XX/XX/XXXX and so far the item of the account and collection have not been removed from the credit reports, this action is a violation of FCRA.
|
| 06/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I recently discovered that I was potentially eligible for protections under the Servicemembers ' Civil Relief Act ( SCRA ) and attempted to submit documentation to that effect to the Pentagon Federal Credit Union ( PFCU ). The person to whom I spoke was not aware of the program and did not know the procedure and stated that he would submit the documentation ( my Status Report pursuant to Servicemembers Civil Relief Act ). However, their specialist, who does not appear to understand the concept of XXXX XXXX, stated that this was unacceptable as I do not have an actual end date associated my activation. I attempted to explain that I was and have been for the last 11 years, an XXXX XXXX XXXX XXXX that has never left service. She then stated that my only remedy was that I needed a letter certifying that I was on XXXX XXXX. The letter is attainable, although I have previously requested this numerous time and I feel this is becoming onerous as I have tried to do this process before with similar results where the process just drags on even though it is required by law. The documentation, which is provided and signed, by the Department of Defense - XXXX XXXX XXXX is a government document created and accessed through : XXXX XXXX XXXX. It is the most current database of DoD personnel and is used throughout the industry. I feel that as PFCU is a military-oriented credit union with numerous DoD personnel as members understands this process and it just attempting to make it more onerous for members to receive the benefits to which they are due. I appreciate any assistance with this matter. Thank you for your time.
|
| 04/03/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
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My closing costs have increased over $ 6k more than originally qouted when I started my loan. I filed a complaint about my 3 month closing time frame taking over 6 months and not being able to get in contact. They responded to the complaint quickly ( XXXX ) but now have taken over a month to get new paperwork to finally close. Once we got our new paperwork they increased our closing costs by over $ 6k compared to the paperwork last XXXX. Seems like they are holding me responsible for the time to close when they where nonresponsive for so long.
My credit has now been run 3 times for this loan. The 3rd time on XX/XX/2021 without my authorization. This is now a hard spot to be in. They have dragged me on so long I can't go to a different company because of the recent increase in rates. I have been paying additional interest on a loan with a higher rate when I was suppose to be closed over 100 days ago. I am not sure at this point if my loan will close. This is such a waste of time to deal with company. I have not signed my documents because of the large increase in closing costs. I emailed everyone that I have dealt with on XXXX XX/XX/XXXX quickly after receiving my new documents and have not received an answer. At this point I want my loan closed. I don't want them trying to up my fees to make up costs or running my credit again to find a way out. This is so time consuming and draining. Multiple credit pulls shows it is negatively affecting my score on my XXXX XXXX app. Hopefully someone at Penfed can figure this out since my last complaint says resolved but I am still experiencing the same issues with Penfed.
|
| 07/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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Good Evening I placed an order by error in my XXXX account in XXXX. The order number is : XXXX and the item number is : XXXX. Three weeks ago I returned to the seller this item through USPS and tracking # is XXXX. The seller confirmed to me he received this item and I got delivery information from USPS systems. The name of the seller is XXXX from XXXX company in XXXX XXXX, CO. In addition I called to his business and they confirmed they have received it. I have contacted the seller, several times, for a full refund and he keeps saying that " he already refunded to my credit card '' the total cost ( {$31.00} ) for the returned item ( attached you will find evidences of email from the seller and statement from my PenFed Credit Card account ). I tried to request a refund through XXXX but the returning case was closed by ERROR on my side. XXXX informed to me that I have to contact the seller directly. I have contacted the seller several times. As of today I have not received my full refund back to my PenFed credit card account from the seller. I called the seller to follow up on the refund and all he says that the amount have been refunded. As of today I have NOT received my refund. I requested a dispute with PenFed but they made some errors processing my first dispute ( since XXXX ) and yesterday XXXX I had to request a second dispute to them. As of today my case have not been resolved. I have considered to request a police report against this seller ( if you go to XXXX the seller and his staff have horrible reviews ) but I wanted to try to solve my issue through the CFPB. I will appreciate if you can intervene.
|
| 12/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
Servicemember |
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On XX/XX/XXXX, I received two separate notices of Stop Payment Orders for checks dated XX/XX/XXXX. My account was charged {$20.00} for each stop payment. I have not initiated any stop payment orders for this account in a far back as I can remember ; nor has my co-account holder. First, let me state that my concern is not for the charges for the stop payment orders. These funds have been restored to my account ; but rather for the apparent lack of visibility, ability to track transactions in PenFed 's financial systems indicating a lack of an ability to audit transactions, and the apparent vulnerabilities in PenFed 's transaction/accounting systems. When contacted, PenFed attempted to research these stop payment orders and communicated to me the following information : 1. The check numbers referenced in the stop payment orders are not in the current series of checks I am using. In fact, checks in this series ( XXXX series ) have not been used in about 30 years for this account.
2. They can not identify the payees or amount of the checks in question.
3. Since the account was charged for these stop payment orders, the orders had to originate from within their ( PenFed 's ) system. Had they been initiated on-line, there would not have been the {$20.00} charge applied.
4. PenFed can not identify who initiated these actions.
5. PenFed can not find the original transactions which triggered the stop payment orders.
I find this to totally unacceptable in a financial instituion. I believe this lack of accountability/auditablity to a major vulnerability and potentially leaves PenFed and its customers open to fraud.
|
| 06/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
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|
Web |
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I transferred {$13000.00} through XXXX from my XXXX XXXX Checking Account to My PenFed Checking account on XX/XX/XXXX. I contacted PenFed to complete a wire and i was asked to provide proof of funds, PenFed said that the funds will be on hold until i can show proof of funds. I sent screenshots of the transaction from my XXXX XXXX Checking account. PenFed Reps told me that the screenshots would not work and i would have to provide a statement. When the statement was available i sent it on XX/XX/XXXX. On XX/XX/XXXX i called PenFed to check on whether they received the statement. The Rep i spoke to said that there was need for additional documentation, I asked to speak to a manager and get a better explanation of why i need to provide additional documentation and she said it was to establish if the XXXX XXXX account belonged to me. I supplied scans of my Driver 's Licence, Social security Card, a utility bill and my Permanent resident card. I called on XX/XX/XXXX to follow up and the rep i spoke to said that my account will be closed and that i should contact XXXX XXXX to do a reversal of transfer. Upon contacting XXXX XXXX, they said that a reversal on a successful transaction could not be initiated.
I called PenFed to tell them that a reversal was not a possibility and i was told that the last resort would be for XXXX XXXX to write a hold harmless letter. i have talked to a XXXX of reps and managers at PenFed and all they say is that the security team has made a decision on my funds and they do not know the reason why.
I've had no access to these funds since they deposited in my Penfed checking account.
|
| 05/16/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
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Web |
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Re : Pentagon Federal Credit Union Accounts Frozen XXXX XXXX Member number XXXX Routing XXXX Checking Account XXXX Saving Account XXXX I sent money through XXXX XXXX to my pentagon Federal XXXX Account. The money was charged to my XXXX XXXX XXXX XXXX XXXX.
My husband, XXXX XXXX, sent money through XXXX XXXX to my Pentagon Federal checking account. The money was charged to the same XXXX XXXX XXXX XXXX account ( authorized user so the same account ).
Money was used to pay XXXX XXXX XXXX XXXX XXXX and one transfer to fund my account with XXXX XXXX. Pentagon Federal froze the account on XX/XX/2002 and I have asked repeatedly to talk with anyone in their security/fraud department to resolve the issue but those requests were denied. I was told the accounts were permanently frozen and that was all. Attached you will find a log of conversations as well as an accounting of all transactions, screenshots of the XXXX XXXX Transactions, and screenshots of XXXX XXXX XXXX XXXX XXXX to document all of the transactions showing that the money was not fraudulently acquired. Note : there is not a statement from Pentagon Federal Credit Union because they have frozen the account and have not provided a statement as requested. Additionally, Pentagon Federal Credit Union rejected XXXX transfers for a total of {$3900.00} but those transactions were completed and recorded by both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. By rejecting money that had been transferred, they have essentially stolen {$3900.00} from me. As shown in the screenshots of the XXXX XXXX XXXX XXXX XXXX account, I still owe that amount to XXXX XXXX XXXX XXXX XXXX.
|
| 02/14/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
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We applied for a HELOC Line of credit. We were approved for XXXX. We were told that in order to accept the loan, they would have to roll our car debt into the loan so we did. We were also told by XXXX that we could LOCK IN OUR INTEREST AT AROUND 9 %. He gave us a quote of a XXXX a month payment without locking in the interest rate which could go up. He also quoted a monthly payment of XXXX a month with the cost of locking in the interest rate so we decided to take the XXXX a month payment.
Our first payment was XXXX. However! When we received our second payment, it was XXXX when we called. We were told that the interest rate had gone up. We told them that we were paying XXXX a month because we were told by XXXX that our interest rate was locked in at XXXX %. Our interest rate is now XXXX % and was NEVER LOCKED IN. I called XXXX and asked him what happened. He told me that HE NEVER TOLD ME THAT!! HE WAS LYING!!! The reason that we moved forward on the HELOC with Pen Fed is because Pen Fed quoted us a XXXX a month payment with a LOCKED-IN RATE OF 9 %. Now they are telling us that our payment is going to rise and it would cost us XXXX dollars a month if we wanted to LOCK IT IN at XXXX % THEY ARE VERY DECEIVING. Our XXXX XXXX is now XXXX and rising...
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Called me at XXXX XXXX Tuesday morning XX/XX/XXXX. Called me and told me that he had been bringing this up. Told me that I was the 3rd person that he had talked to. He also said that his other teammates are having the same experience as well. He said that this is becoming a trend. He encouraged me to escalate the issue.
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Names : XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Accounts : PENTAGON FCU XXXX, PENTAGON FCU XXXX
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| 12/17/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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|
Applied for a mortgage refinance with Pentagon Federal Credit Union ( PenFed ) on XX/XX/2021.
XXXX XXXX received a Good Faith Estimate ( GFE ) itemizing the cost of providing the loan. No origination fees are associated with this loan, no origination fee on the GFE - XX/XX/XXXX, physical home appraisal completed - XX/XX/XXXX, received letter from PenFed 's closing attorneys advising to consider using a XXXX for the refinance which will save me money on transfer taxes. Cost : {$750.00} XX/XX/XXXX, payment is made for XXXX modification of {$750.00} XX/XX/XXXX- Loan is given conditional approval Submitted all required paperwork well within all the required timeline. PenFed continued to drag their feet throughout this process and was unable to meet the closing date deadline on three separate occasions. Various excuses were provided for the delays but they all were related to the Title division. In the sixth month after the process started, we have a new closing data. Three days prior to the close I received the disclosure documents. The documents now outlined new fees that were not listed in the GFE. At no time did the loan processor informed new origination fees were being added to the loan. In addition, the mortgage XXXX was never completed which resulted in the transfer taxes remaining unchanged. Payment made for {$750.00} was collected with no results. The origination fees added an additional ~ {$12000.00} to the closing resulting in it nearly doubling.
I believe the actions taken by Pentagon Federal are in violations of the Consumer Protection laws. and amounted to a financial bait and switch.
|
| 11/14/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
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Below is the information I emailed to PenFed on XX/XX/2021 and never received an acknowledgement, let alone a response : I refinanced my old PenFed HELOC ( Account # XXXX ) that had a limit of {$43000.00} and an outstanding balance of {$41000.00} with a new HELOC at PenFed ( Account # XXXX ) that has a limit of {$110000.00} and an outstanding balance of {$42000.00} as of today. My closing was on Friday, XX/XX/2021 with XXXX XXXX and I was told that the funds would be drawn within 3-5 business days to pay off the old HELOC so I would not have to make any more payments on it.
Here is where the problem lies : The old HELOC is STILL OPEN showing a principal loan balance of {$41000.00} with a LATE PAYMENT of {$580.00} that was due on XX/XX/2021 ( now 24 days OVERDUE ). Given that YOUR COLLECTION DIVISION called me, I made a payment in the amount of {$580.00} TODAY to avoid getting a negative rating on my credit report due to lack of payment/delinquency.
FUNDS IN THE AMOUNT OF {$42000.00} WERE WITHDRAWN FROM THE NEW HELOC ON XX/XX/2021 - WHERE IS THAT MONEY TODAY?
Additional questions : - Why is the old HELOC still not paid off?
- Why is there a late payment on the old HELOC due after the expected closing date?
- Why is the principal amount on the new HELOC higher than the amount on the old HELOC? Was there a fee that I was not aware of? Was there a penalty assessed? Should I expect a check in the amount of the difference?
- Why is the payment due on XX/XX/2021 only {$100.00}?
- I have received 2 checkbooks in the mail, 1 for the old HELOC account and 1 for the new HELOC account- why is this?
|
| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
|
Re : XXXX and XXXX Notice I am putting in this complaint to formally demand that the company below cease all communication and activities related to the alleged debt under the account number as referenced in the correspondence from XX/XX/2022, to the present day.
Pen Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2022, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned accounts. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, the company has failed to respond to these inquiries.
The persistent and unwarranted communication from these companies has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe these actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.
I hereby demand that these companies cease all activities related to this debt within fifteen ( 15 ) days from the date of your receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me.
Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against these companies to protect my rights.
|
| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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In XX/XX/2022 I unfrooze and refroze my XXXX account in order to apply for a mortgage. In early XX/XX/2022 I decided to work with another mortgage lender and I placed another request to unfreeze my XXXX account. In XX/XX/2022 I noticed that my credit report was reflecting 4 fraudulent accounts that do not belong to me. In XX/XX/2022 I found that there are XXXX XXXX accounts and one Pentagon Federal Credit Union account all 4 with balances reporting on my credit. I did not authorize nor did I open these accounts.The three XXXX accounts are reflecting past due balances for a total of {$1900.00} and Pentagon Federal Credit Union is reflecting a personal loan in the amount of {$20000.00}. I have no knowledge of these account nor did I authorize, apply or open accounts with XXXX or Pentagon Federal Credit Union. These accounts are fraudulent and by no means should I be responsible for any late payments and or collections that these account may face. In XX/XX/2022 I placed disputes online to dispute all three XXXX accounts as well as the Pentagon Federal Credit Union account in which came back that these accounts are accurate. In XX/XX/2022 I also contacted Pentagon Federal Credit Union and reported the personal loan account as fraudulent and requested for the account to be closed. At this time the institution did not have my correct social security number as well as my personal information yet this account is coming back from the dispute as accurate. All four accounts, 3 XXXX accounts and 1 Pentagon Federal Credit union account do not belong to me and should be closed and reported as fraudulent.
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My issue is with PenFed Credit Union. I applied for their XXXX card online on XX/XX/22. That same day, I was sent a text message that stated they needed more information. It was a long list asking for such things as a copy of a utility bill, driver 's license, proof of income, and more. It was too time-consuming to do all that ; therefore, I decided NOT to pursue it and sent no information. On XX/XX/XXXX, I see that another hard inquiry was made on my XXXX report! I did not apply a second time, nor was this authorized by me. This second hard inquiry brought my score down. I immediately called PenFed Customer Service. The following is a timeline : XX/XX/22 I spoke to XXXX, ID XXXX. She asked me to upload my XXXX Credit Report to a secure site. The reference number to confirm the upload is XXXX. She said she would look into the matter.
XX/XX/22 I spoke to XXXX who said it would be done in 60 days.
XX/XX/22 I spoke to XXXX who told me 90 days XX/XX/22 I spoke to XXXX who told me XXXX more days and gave me a case number : XXXX XX/XX/22 I spoke to XXXX, who transferred me to XXXX. She said there should only be one inquiry per application and that was all that was submitted. I never applied twice. Said she would handle the matter and never got back to me.
XX/XX/22 My case was escalated to a supervisor who asked me to again upload my XXXX Credit Report. Once uploaded, it gave me a confirmation reference number : XXXX. She told me I would get a confirmation that it had been taken care of and that never happened!
It has been over 7 months since I first began my communication with PenFed.
|
| 10/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
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On XX/XX/XXXX I applied for a PenFed credit card and was denied despite having very good credit, using less than 15 % of my available credit and my monthly debts are only 18 % of my monthly salary. These are XXXX of the most important credit history factors and I score excellent in all three categories. I filed a complaint which is attached and XXXX XXXX ( V.President of consumer lending operations ) expressed his regret and claimed my denial was not in anyway discriminatory but due to my short credit history. Well, I decided to apply again on XX/XX/XXXX, this time my credit score is higher XXXX - XXXX which is bordering EXCELLENT. I ave XXXX years credit history have applied for cards from XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and others approved each time, but I have closed all those accounts and only kept XXXX, XXXX and XXXX cards. I am using only 11 % of my available credit, XXXX negative marks, My monthly payments are less than 20 % of my monthly salary, but I am XXXX and live in a XXXX neighborhood. Although the neighborhood I live in is XXXX of the wealthiest in XXXX, it's still XXXX. Guess what Penfed again denied me. They are the only banks to ever deny me credit and now twice. I am convinced it is due to discrimination. I have white friends with just above 12 months credit history and credit score under XXXX who have been approved in the last 6 months. So how do they get approved with less credit history, lower credit score and I can not. MUST BE DISCRIMINATION. I would love for PenFed to provide the file they have on me from data they collect.
|
| 12/28/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Web |
Servicemember |
|
I have a PenFed Credit Union Heloc coming due on XX/XX/. PenFed suggested I apply for another Heloc to payoff the current Heloc so I started the process immediately.
The new Heloc application was started on XX/XX/, and I sent over the necessary documentation to PenFed on XX/XX/XXXX.
The processor had the properties listed on the application wrong, causing several delays on PenFed 's end. I explained she had them listed incorrectly and she told me on XX/XX/XXXX, not to send anything else over and that her and her team have it handled. She said she would be in touch with me the following day, and I never heard from her. I then tried to contact her and the management team, several times, and no one would call me back. She FINALLY emailed me on XXXX XXXX this type of delay is unacceptable, considering the position she's putting me in.
I talked to my loan officer today, who said this loan should have been done and completed on XX/XX/XXXX, it's now XX/XX/XXXX and I still don't have an approval.
This is extremely concerning to me- my credit scores are XXXX, I am more than qualified for this loan. If PenFed Credit Union does not close this loan on time due to their lack of communication or response, I'm at risk of foreclosure, and my credit will be destroyed.
I ask that this issue be escalated - I'm beyond frustrated at the lack of communication and consumer care when I have been responsive and diligent. If you want details, I have everything documented, all emails saved, and a timeline prepared. I was told over the phone with the CFPB to keep this commentary concise and brief.
|
| 12/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
In XX/XX/2022, our PenFed XXXX signature credit card had a fraud charge. Penfed agreed and issued a new card, closed the old account and promised to reverse the fruad. The new credit card statement had a balance forward of the fraud charge. Contacted PenFed billing and outside credit department in XX/XX/2022 to question this, they said the balance had been doubled reversed and this was the double reverse coming forward because it was included on the previous statement. Requested prove, but the XXXX statement on the closed account showed no transactions let alone a double reverse of the fraud charge. Again we contacted the Credit department and the billing inside departement. They apologized and promised it would be reversed immediately ; we should see it the next day. When this did not happen we contacted them again and again they apologized and promised it would be reversed of which they left a phone message for us to confirm this. The charge was never reversed, and email/phone call harassment began. I contacted them to make them aware of my XXXX and XXXX XXXX; requested they no longer email or call me because it could trigger XXXX XXXX. They refuse to listen and began calling me every day twice ; once identified as Penfed and again as identified as spam. I receive XXXX calls a day now some in the middle of the night. We also had earned reward points with our purchases and in full payments previously. After the harassment started, they put a hold on our rewards cards earned previously. This would be false benefits offered when their mistake can cause them to withdraw them.
|
| 05/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I was prequalified for a mortgage iao $ XXXX with Pen Fed Credit Union on XXXX / XXXX / 17 I then submitted all my financial documents, and was " Approved '' to purchase a home iao $ XXXX . After getting the inspection, appraisal, title, insurance I was told the UW made a mistake and denied. Multiple Pen Fed e mployees advised me both verbally and in writing that a n UW had reviewed the file and there were no issues. I can understand this issue not being addressed during the Pre-qualification stage, however I submitted ALL m y Income & Asset d oc 's to PenFed on XXXX , it too k 2 weeks to determine the loan did not qualify?? In addition, Title work, Inspections, Appraisal, Home Owners Insurance have all been completed ... we were set to close XXXX . Not to mention my lease expires this month, so I may be potentially homeless ... .hopefully my landlord did not lease my apartment. I can certainly understand guidelines, policies and procedures. However, the # 1 question I have is, why are we just now having this conversation?? The typical mortgage transaction should take roughly 30 days or less in a perfect world ... surely your underwriting staff is not waiting until da y 14 to rev iew Income? ? There definitely was no delay on my end, I had all doc 's uploaded usually w ith in 24hrs . After bein g a PenFed m ember for 9yrs I certa inly did not expect that this would be my experience, especially considering this bein g one of the most important financial decisions of my life. I was misinformed and miseducated the entire process.
|
| 05/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I applied for a Penfed Credit card and received the card, but never activated the card. When I received the first statement, I noticed a charge on the card that I had not made. I contacted Penfed and told them of the fraudulent charge. I was connected with the fraud department and was told the concern was handled. I received a second statement and realized the fraudulent charge had not been removed as stated by Penfed that it would. Also, the statement now showed an overdue balance with service charges. I contacted the company a second time and was on the call over an hour as I was shifted back and forth between customer service and the fraud department. I assumed the issue was resolved. A third statement arrived with additional service charges and past due amounts. On XX/XX/XXXX, I spoke with XXXX who reached out to another department for help. XXXX called me on XX/XX/XXXX to tell me she had not heard back from the department for help and she would contact me when she did hear back. No call back from XXXX. I received a letter stating my account was in arrears. I contacted the collection department and was told that to keep my card from being closed, I could pay {$30.00}. ( The original fraudulent charge was {$3.00} ). I paid the fee, since I did not want my credit rating to be affected by this. I then received a letter stating my account had been closed. I am now being told in order to rectify this concern, I will have to pay the original membership fee and all delinquent charges. I have tried in vain to bring this to closure, but the company will not work with me at all.
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
To Whom it May Concern, I got a credit report and I think it's wrong. I was told I have a right to have a investigation done. Credit reporting laws ensure the bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Remove the late payments and correctly report the payments on my credit file.
Please provide me with the following items : *Pay off disclosure *Interest rate disclosure *Balance History *Payment history *Credit Insurance Validate Account targeted Pentagon Federal Platinum Rewards Account Number xxxx xxxx xxxx XXXX I respectfully ask for you guys to provide some kind of proof of these alleged items, specificially the contract, note, or other instrument bearing my signature.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
I also heard that under federal law, you have thirty ( 30 ) to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
I sent Penfed a Cease and Desist in XX/XX/2022 and they have ignored it and continued to contact me. Which is a clear violation of FCRA, FTC, CFPB and state attorneys office. It is a violation of 1000 per incident charge,
|
| 06/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
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On XX/XX/2023, I notified Pentagon Federal Credit Union that for at least two months, unauthorized debits made by XXXX XXXX, XXXX XXXX had been made on my Pencheck plus account ( XXXX ) for at least two months, totaling for those two months at least {$280.00}. This account had been dormant for at least five years, probably longer. At that time, I requested the savings and checking accounts I had with PFCU be closed and all funds returned to me, with the unauthorized debits also returned to me.
On XX/XX/2023, as no communication from PFCU was forthcoming, I again called. This time I spoke to " XXXX, '' going through the whole complaint again, making sure he saw the two months of unauthorized debits. In the first week of XXXX, having still heard nothing from PFCU, I called again, this time speaking to " XXXX. '' He assured me that two separate checks would be arriving soon, one for the checking account and one for the savings account. In the second week of XXXX, I received a check for {$1200.00}. At about the same time, I received a letter from PFCU listing five of eight unauthorized debits, and three debits that were authorized to a different company. On XX/XX/2023, I again called PFCU to report the missing and incorrect debits, speaking to XXXX. I asked about the second check and an accounting of what had taken place. She assured me that two checks had been mailed on XX/XX/2023. As of this date, no second check has arrived and I have not received an adequate account of what PFCU has done, with no explanation of how XXXX XXXX XXXX got my private information.
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| 06/06/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I tried disputing a transaction with XXXX XXXX XXXX. I paid XXXX membership fee for a credit line which would report to all of my credit reports ( {$10000.00} line ).
When waiting from XXXX to now. Pend fed has pull my credit report several times I can confirm that I never received the credit line.
The company currently doesn't have any physically store that are open. But the main purpose of me getting the account was for the credit line to report to my credit reports.
I had to connect pen fed several times over the span of a few weeks in XXXX to dispute this charge. its was never properly handled.
I originally received a letter after less than a we closing my first dispute attempt. The letter claimed I got a temp credit I never received the letter list a that they tried to reach out to me in though the never did. And the call back number on the letter wasn't even a working number.
After reaching out the XXXX dispute attempt was closed in about a week or so. This time I actually received a temporary credit that was suppose to be taken back but is the still sitting in my checking account as of the time of writing this.
They assigned the dispute back to Each and every time I called I was told by a baseline rep the was much they could see and attempted to get me to the dispute department. No one from the disputes department would talk to me or call back.
I received an email and also was told I would receive copies of the contract and information of the dispute. I have yet to receive anything b mail and majority of the links in the email did not work.
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| 07/26/2023 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear XXXXXXXX XXXX, Re : Reference # XXXX ( XXXX XXXXPentagon Federal Credit Union ) I have sent you several written requests to validate ( not verify ) the total amount of debt on my consumer report.
According to the Fair Debt Collection Practices Act ( FDCPA ), [ 15 USC 1692g Sec. 809 ( b ) ] I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, when I requested validation of the debt, I only received billing statements for 24 months which does not add up to the amount of {$11000.00}.
This is a clear violation of section 15 U.S. Code 1692j of the FDCPA falsely representing the amount or character of the debt, including any interest, fees or charges.
Please provide me with a complete payment history, the requirement established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. XXXX XXXXXXXX This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character. Per 12cfr part 1006- false or misleading representation : debt collector is prohibited from making false or misleading representation the amount or status of the debt.
Please be advised this is my FINAL REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.
Thank you for your time, XXXX XXXX
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| 05/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I have a checking and savings account with Penfed Credit union. I received a wire transfer and a check for deposit. My girlfriend is in XXXX and ran out of money, she has no food and had to stay XXXX XXXX. The apartment people took her passport because she hasn't been able to pay rent. She asked her friend for help and XXXX was wired to my account so I could get it to her. I gave her a little money and I went ti her bank and deposited money. But because she's in XXXX it cost a lot to convert it. I also received a check that is owed to me, XXXX dollars.
[ ] I received a phone call that woke me up on XX/XX/22. From Penfed fraud department, with XXXX on the line yelling at me, and would not listen to my situation at all ad kept threatening me and yelling about Scam. He locked my accounts and said he was going to call the account holders to verify stolen funds. I told him to verify. When I woke up later I remembered everything and called Bank. The never called anyone and told me to send prove. After calling to know how I sent prove tight away. Then I kept calling to unlock my account and they told me that fraud department went home. And my account is still locked for no reason. So I called some more and now I'm being told my account will be locked for 30 days. Why? I sent prove. Is it because thier discriminate that I'm helping my girlfriend? Or maybe because I'm a XXXX XXXX. My account is still locked and Penfed has done nothing but treat me horrible causing severe panic and XXXX episode. They ignored me completely. And my account is still locked.
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| 03/31/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Application, originator, mortgage broker
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Web |
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I had a mortgage with Pentagon Federal Credit Union with a balance of approximately {$130000.00}. I applied in early XXXX for a re-finance in the amount of {$160000.00} on an adjustable XXXX rate mortgage and stipulated a Title Service company here in Alaska as my choice of service. After the loan was approved and scheduled for closing - I was notified at the last minute another Title company would service the loan. I objected ( by email ) because it would cost more - they said they would lower some fees to make up for it and they did ( but not for as much as promised initially - again by email ).
Also questioned why we are paying {$1000.00} for an appraisal that cost {$700.00} ( which is why we wanted to choose our appraiser and Title company ) basically told verbally by " XXXX '' it was a service fee tacked on by XXXX (?? ) Signing was scheduled at our home for XXXX. Prior to that I requested copies of all documents we would be signing. I asked more than XXXX time by email.
From XXXX XXXX we received XXXX different disclosures.
We signed on XXXX and was told funds would be available on the XXXX - then the XXXX ...
Was given an electronic deposit tracking # and told was made n the XXXX after XXXX.
As of today the XXXX still no funds after repeatedly requesting by emails starting XXXX As of today no accounting received for our request for clarification of " changes '' we were told would result in funds received As of today we have not received ANY copies of any documents we signed.
Emails attached along with copies of documents sent to us.
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| 05/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I was a member of XXXX XXXX XXXX , which was acquired by Pentagon Federal Credit Union. The process of merging, transferring, and issuing new account numbers were phased-in over three months : XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX . I have had a XXXX Visa card ( " loan account '' ) since XX/XX/XXXX that I paid via my accounts page. My accounts page included my savings account and I would pay my Visa by simply transferring money from the savings account to the Visa account. During the phase-in transition however, the banking accounts ported over to the Penfed website in XX/XX/XXXX , but not the Loan accounts ; those would not phase-in until XX/XX/XXXX . In XX/XX/XXXX I sent a secure message to Penfed customer service about making my Visa payment, the response was to mail it, and I was provided an address. I se nt a Bill Pay p ayment from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via XXXX and it came with a tracking number. I verified with the XXXX ' website that it too had been delivered. Both payments were sent and received before the due dates. On XX/XX/XXXX , I receive a credit alert from XXXX that Penfed reported my Visa account as 30 days late. The effect of this reporting tanked my credit score. When I called Penfed 's customer service I was told that they were behind on processing former XXXX XXXX XXXX loan payments.
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| 08/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I've tried contacting this company several times over several months. To start, this account was opened without my knowledge and they have no legal documentation proving that I indeed opened or agreed to be a co-applicant on this account. They stated they were not going to help me with reporting it as fraudulent. To keep my credit afloat, I made payments over several months, NONE of which were reflected on my credit report. I called to inquire as to why and, with every phone call, I never get a straight answer. I get transferred at least three times and no one can help me with basic information : what is left to payoff, why the payments that I've sent aren't reflecting correctly on my credit report, and an itemized receipt of all the charges on said card that I NEVER used. Last time I called I spoke to a rude employee who said that the payments aren't showing because they use a " behind the scenes '' method of collecting those payments. And he was insistent that my last payment was in XXXX of 2021 when it was XXXX of 2021. He couldn't find it! I've asked for itemized receipts on several occasions for the account, which they have yet to send despite saying they would, and it's been months. This has been a frustrating and tiring experience, filled with staff who can't help me. I was also told that they sent the account off to creditors one day but they weren't sure who. Then when I called the next day, they said that they kept the account in-house. This has been my experience with this company every single time I contact them. It's confusing!
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| 02/11/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
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Hi my name is XXXX XXXX i have a bank account with pentagon federal credit union bank first when I opened my account with this bank they told me u gona have 5 day hold on your account for all your check deposit and i been deposited some checks in my account and one of the check come back I dont know for what reason and i got the call from bank from fraud department and the banker started accusing me that i am doing fraudulent check deposit and we end heated argument and then i hang the phone because she was accusing me again and again she is no one to accuse me without verifying the fect then she call me again and said listen mr XXXX i am going to freeze your account and send all the check back that what she did without verifying the fact and later on few checks which was cleared before that bank said they gon na hold funds till XX/XX/2019 i said ok and today i called then to check my account they said you have to get the bank statement from check issuers bank and letter from bank that show before check deposit statements and after deposit statements i dont understand one thing which of your clients give you access for there bank account to there vender what is bank doing with that money if fund not good send it back to check issuers bank and close my account and if fund are good then give the access to account holder but no they are not doing non of that and just hold ..please help me to get my money from this banking mafia i am not rich person who can afford legal team to fight the case in court i work 12 hr every day to make that money.
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| 09/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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Good Day, I opened an auto loan with XXXX XXXX XXXX XXXX. The loan began on XXXX XX/XX/XXXX and was for XXXX term. Earlier this year, XXXX XXXX merged with Pentagon Federal ( PenFed ) Credit Union, and my loan was transferred to PenFed.
We have been making our payments on time, and above the minimum monthly payment, and we received a letter in the mail on XXXX XX/XX/XXXX stating that our loan was in deferment and there was intent to repossess the vehicle.
I reached out to PenFed and it was determined that while the loan was being transferred to PenFed, somebody entered an incorrect maturity date for the loan. The maturity date was entered for XXXX, XXXX. A XXXX term beginning in XXXX of XXXX should take the maturity date to XXXX, XXXX.
I was assured it would be handled, but after a week of following up I have been informed by PenFed that they are unable to correct the issue on their end because " the gap between the current maturity date and the actual maturity date is too large '' and their system will not allow them to change it. I was then informed that they have a special representative working on the issue, but it could take some time to complete.
I have a XXXX XXXX that is currently in renewal and awaiting final adjudication. Having this on my record puts me at risk of losing my XXXX XXXX and then my job. PenFed has admitted fault, I have a letter stating such. I need this cleared immediately so that I do not lose my security clearance, and so that my credit reputation is not damaged further.
Very Respectfully, XXXX XXXX
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| 07/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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|
Web |
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On XX/XX/2022 at XXXX, I had contacted PenFed customer service regarding my PenFed Gold credit card ending in XXXX. I spoke to a customer service representative XXXX about my account such as the current balance, pending charges, credit line, and credit limit. I asked her about my savings account that was required to opened the credit card. She said that everything on her screen was deliberately blocked and had my whole account into permenently ineligible. So I asked if she can speak with someone from the Fraud Department and the person she spoke to is XXXX. XXXX work for the fraud department and she refused/ignored to give her full name and position but also put in request to close my account today for whatever reasons she did not disclosed. I had given the company all/any mandatory requirements they had asked me before granting me the card. XXXX also told the customer service rep to tell me that I will received an explaination on the mail about the issues. The company said that I owed {$64.00} which I agree to pay by mail to cover the charges that I used on the credit card. They was also giving me a hard time about the address where I can send the payment and also told me when they close my account, I had to contact the credit bureaus and explain the reason why my account was closed even though it was not my fault in the first place.
The company PenFed had given me the " Absolute Approval '' then they had a second thought about it so decide to the close the credit card including the saving account that is needed to activate the card.
|
| 11/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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Long story short I had already filed a complaint when they closed my account months ago because of a mistake I made and did not have my payment set to min payments monthly but pay full balance. When they payment was attempted to pay balance of around XXXX in full my bank froze the account and charge. When PenFed finally saw my complaint here after numerous attemptes to plea with support and share what happen was a mistake I was contacted by XXXX at the head of Pen Feds Fraud department to let me know they had made a mistake and were opening up my account.It was about 2 weeks later when I went to log back on and my account was closed again???????
I contacted XXXX and explained again what happend. He said the my account was closed because a dispute was sent and I explained I had a fraud alert and credit repair/monitor companies that monitor and request proof of any suspicious items. I told him I did draft a letter stating to the 3 bureaus that Pen Fed charges were accurate and to please report accordingly. He looked over my file and letters and said he saw what I was referring to and I should have access shortly to my accounts. Ether this was a lie or they changed their mind as I still do not have access and both cards are shut down.
In good faith I have continued to make payments but have to call in each month to do so and is just super inconvenient and the whole situation is just UNFAIR. I NEVER MADE A LATE PAYMENT AND HAD THE HIGHEST CREDIT POSSIBLE. When I call in now everyone is hush and just says sorry we cant talk about it : (
|
| 01/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
On XX/XX/22 I mailed a check for {$240.00} to pentagon federal credit union as payment to my credit card, their penfed defender visa. Later that month I checked my statement and saw the payment was never applied. I checked with my bank who informed the check had posted.
I called pentagon Federal credit union and was advised to upload a copy of the check, front and back, which I did XX/XX/22. Since that time I have contacted XXXX XXXX credit union no less than 8-10 times wondering why they have not applied my payment... the back of the check clearly shows that XXXX cashed/rec 'd these funds XX/XX/22.
Each time I call I am given a runaround ... '' the appropriate dept is working on it '' ... '' the missing check has to be physically located before actual payment is made '' ... .and just 8 days ago.. '' Card relations is no longer the dept working on your case, but now our credit union recon team '' .
No one there sends me a confirmation email with the info discussed after my calls as requested, or an XXXX as to how long I am expected to wait before they apply payment. All the while they have been charging me fees and interest on the disputed amt.
As I have explained to them multiple times ... my financial institution has made payment to XXXX and they have rec 'd those funds and not applied to my CC acct. The fact they have a problem losing the paper check ( s ) is not my concern.
It has been over 2 months now and there appears no resolution in sight... I guess XXXX just intends to keep my {$240.00} they've rec 'd and do nothing...
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| 09/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
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I opened a checking account and a savings account with PenFed Credit Union on XX/XX/2020. The checking account # is XXXX The savings account # is XXXX. When I signed up there was a promotion that offered {$200.00} if I made a deposit of {$1200.00} and did 5 atm transactions. I did both of these requirements. The fee for the checking account had been waived for several billing cycles. However at some point a {$10.00} fee was assessed to my checking account.
I attempted on several occasions via email and the messaging system on the penfed website to add a deposit in order to bring the account to the positive. I was unable to do so as the ability to transfer money was eliminated from my account. The negative balance was $ XXXX Despite that I sent numerous messages, my issue was not addressed.
The bank sent my an email that because my account was in the negative, they would not send me the {$200.00} bonus. I asked if I could appeal, and outlined what I just told you. I did not receive a coherent message back. My point is that I deposited the {$1200.00} and did the 5 debit card transactions, but they are not sending me the bonus because my account went into the negative. Before I could deal with this further, the bank closed my checking account.
So, they first restricted my ability to add money to the account, then closed the account without answering my inquires. For these reasons I believe that an exception should be made because I did try to fix the negative balance, and instead of helping me they took the above outlined actions.
|
| 06/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
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In XX/XX/2018 I receive a notification of a Pentagon Federal credit card being added to my credit report causing a negative effect on my credit score. This account has XXXX listed as an Authorized User on the card. This is a card I have no knowledge about never knew I was added to this card. So I called Pentagon Federal Credit Union to ask why was this added to my credit report and I have no knowledge of this. I then said that I would like to be remove as an authorized user because I never gave permission to be added to the account. The representative told me when I spoke to her to send in a written letter asking to be remove because I have no knowledge of the card. I did such, and they called me and told me that I couldnt be remove because the owner of the account has to remove me. She then asked me if I could make a payment I told her a payment I am not responsible for this account and make it worse I dont have knowledge of if.. They Decline my request. I then Ask them if there is any other way that I could be remove the clearly told me no.. I the. Dispute it 3 times and the results came back saying the the card is mine. I have tried over and over asking Pentagon to please please just remove my name because its adversely affecting my credit score, and affecting me from becoming a homeowner. I can not get a mortgage loan and would not be a candidate to even apply because of what Pentagon Federal Credit Union is doing to me.. Please help me..
XXXX XXXX XXXX 1. Disputed Conf # XXXX 2. Disputed Conf # XXXX 3. Disputed Conf # XXXX
|
| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Penfed Credit Union has been furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, and my ability to obtain credit for personal and house purposes. Penfed Credit Union has damaged my livelihood tremendously.
Ive sent in my first letter to Penfed Credit Union, which was received on XX/XX/2022. I send over a rescission letter with a affidavit of truth with a cease and desist form. All documents were notarized and sent certified mail .And by doing that makes Penfed in contract with me with the paperwork that they received .But alarmingly I was responded with a promissory note that only had one signature, by law this cant be binding since its not a wet ink signature nor did both parties sign it. Penfed Credit Union feels that the law doesnt apply to them which is very concerning to me. I responded with sending in another affidavit along with a letter stating that I AGREE TO PAY ANY FINANCIAL OBLIGATION, WHICH I MIGHT LAWFULLY OWE ON THE CONDITIONS THAT PENFED SHOULD PROVIDE THE FOLLOWING XXXX ) Validation of the debt, that is the actual accounting 2 ) Verification of the claim made against me ( thats a signed invoice ) 3 ) a copy of the contract binding both parties 4 ) Full Disclosure 5 ) The Wet ink signature binding both parties 6 ) prof of claim that you know what a person actually is in legal terms I gave Penfed Fourteen days to produce this and they never did. They also committed Trust Fraud
|
| 07/03/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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A client of mine had his company bank account compromised. As a result, one of the checks written on the account was my monthly check in the amount of {$3000.00}. Once he found out his banking account had been compromised, he immediately contact me and I immediately contacted PenFed. I told PenFed what had happened and immediately wired {$3000.00} from another account to cover any and all transactions. My account was never, ever overdrawn and I was told by PenFed that the original check for {$3000.00} was NOT going to be re-deposited because, according the PenFed representative, " our system is incredible sensitive and the check will be returned. " That ended up not being the case, the check was redeposited and of course, declined from my clients financial institution. Again, my account was never overdrawn.
As a result of this, and of no error whatsoever on my part, PenFed, irresponsibility has blocked my access to all my accounts.
Despite five separate attempts to have this irresponsible block removed, it remains. That is, because of something that was completely the fault of another party, and had literally nothing to do with me, I do not have access to my money. I have never overdrawn an account and I consider myself a financially conscious individual.
How is it possible for an institution to completely block a responsible customer from their banking accounts?
Unfortunately, PenFed only can say that 'my case ' is on a supervisors desk for review.
Any assistance you can provide would be most helpful.
XXXX XXXX
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
PentFed Credit Union has been fraudulently reporting on all of my credit reports. I NEVER agreed to a loan with them, I simply applied for a refinance to my current vehicle and their response was to open a loan account on my behalf without even asking me if I agreed to their terms and without even telling me what their interest rate was. They sent me promissory note and check in the physical mail during this process, I was just waiting to see what my approval terms were, they would not tell me via their online messaging system or via email, stating that I would receive the info in the mail. I found it odd that I got a check in the mail and a promissory note along with instructions on how to change my title over instead of an approval letter FIRST. So I told them forget it, I do not want to proceed with an agency who does not know what they are doing ( this is not the first issue I had with them ). I never signed the note, nor cashed the check so I am EXTREMELY surprised to see that they are reporting on my credit reports!! I was wondering why I was getting denial letters from other car loan agencies stating I had too high revolving accounts, because I only have one car loan which I was refinancing for. So I check my reports and see it is because this " bank '' opened up a loan account and put it on my credit report! Now I have unnecessary dings on all three of my reports because of them! I have absolutely had it with this " bank ''! Which is why I am reporting them, so someone does something about their fraudulent actions.
|
| 07/19/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/2019 I opened PenFed Savings account & deposited the {$5.00} they required for me to be eligible to open a credit card account with them also.
I was asked at that time to provide a color copy of my drivers license, a current utility bill & a color copy of my social security card. I travel for work and did not have my social security card available. I asked if I could use drivers license, utility bill & my US Passport- I was told yes, that would be fine. I scanned those documents and emailed them to the email address they had given me. Several days later I was sent an email telling me the had to have a copy of my SS card. I called and explained the scenario mentioned above & this time was told I still had to provide a SS card copy - he couldnt explain why I had been told that my passport & other documents would be sufficient. Ive now received my first credit card bill & am not able to link my non-PenFed checking account as a payment source. I phoned today XX/XX/2019 and was told that I must provide a color copy of my SS card or a tax statement in order to be able to link my checking account to pay my bill.
I understand that verification of identity is required & important- but I am XXXX years old and have never been asked or required by any bank or financial institution to provide the documentation they are asking for. Is their request even legal? I would appreciate knowing why the documentation I have provided is not sufficient & whether their request is a violation of current consumer protection law. Thank you
|
| 03/22/2022 |
Yes |
|
|
|
Web |
Servicemember |
|
Submitted a XXXX application on XX/XX/22 with Pentagon Federal Credit Union loan officer XXXX De XXXX, NMLS # XXXX. Secured a rate lock of 60 days. All our paperwork was submitted by XX/XX/22 as confirmed by XXXX De XXXX via email. Pentagon has dragged their feet on a simple refi with customers who both have outstanding credit. No issues whatsoever to holdup this refi. When XXXX XXXX, our loan representative could not accomplish anything to complete the process we stepped in to finish the job. The ONLY problem XXXX told us we were having was our XXXX XXXX XXXX dues which are paid yearly, the moment the bill arrives. Our POA went out of their way to submit the forms necessary to secure our closing date of XX/XX/XXXX. XX/XX/XXXX came and went and nothing was done to close on our loan. On XX/XX/XXXX XXXX pm, XXXX calls us and says we are going to need to bring another {$9000.00} to {$10000.00} to closing. Alarmed by this increase I ask him to send me the backup paperwork on this drastic ( doubled ) change in fees. He fails to send the paperwork and instead the original loan officer, XXXX De XXXX, sends a new Rate Lock on XX/XX/22 at XXXX pm for us to sign that extends our rate lock by 1 day but now includes points that need to be paid. Points were not on the original lock in agreement of XX/XX/22. I do not believe they are going to get this process done by XX/XX/22 which is our rate lock expiration. We have reached out to XXXX XXXX, XXXX supervisor, on numerous occasions to remedy this situation with no reply from him.
|
| 09/08/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
PenFed illegally altered the payoff amounts to another PenFed loan ( XXXX ) and credit card ( ending in XXXX ) specified in documents closing on my home equity loan XX/XX/XXXX ( No. XXXX ) after the disclosure was issued and closing took place.
PenFed was obligated, according to the signed closing documents, to pay off the personal loan and credit card. It was further obligated to accurately calculate and disclose payoff amountsa simple enough task since these were amounts owed to PenFed itself.
More than two years later, PenFed began asking for payments on a {$3000.00} personal loan balance that should not still exist. I note the text at the top of the disclosure declares This form is a statement of your final loan terms and closing costs. I was never notified prior to a letter from XXXX XXXX, Chairman, Supervisory Committee, dated XX/XX/XXXX, of any deviation from the payoff amounts. In fact, PenFeds closing attorney explicitly told me at closing that all prior PenFed borrowing was being paid off and those accounts closed. I am separately investigating possible fraud on the use of the credit card after closing. However, in any event, the account should have been closed, preventing any fraud from occurring, and the closing documentwhich must have final sayagain shows an amount different from what PenFed reported XX/XX/XXXX.
Notwithstanding another communication from PenFed after the closing, the closing document was legally sacred and there was no reasonable excuse for disregarding the payoff instructions.
|
| 07/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
I paid {$1500.00} as a down payment via Pentagon Federal Credit Union ( Penfed ) for XXXX XXXX XXXX XXXX ( XXXX ) to remove and replace my 11 year old master bathroom shower. The contract was sighed on XX/XX/2022 and a technician came to my home on XX/XX/2022 to take measurements. No one else from XXXX has been to my home since. I filed a credit card dispute with PenFed C/U, of which, I was recredited the {$1500.00}. In XXXX 2022, XXXX rebutted the charge by stating that they had completed the installation of the new shower. XXXX XXXX XXXX in the credit card dispute department reversed the credit she had given me because of their rebuttal. I had to go through the manager XXXX XXXX to have her call me to explain why the credit was reversed. She stated that she had sent me a letter explaining why, I never received any such letter from her! I asked for a copy of XXXX rebuttal which she finally sent to me. Besides XXXX stating that they had completed the project, they sent in a picture of my present 11 year old shower that their salesman or technician had taken. I took pictures of my current 11 year old shower and a new contract quote from another contactor which shows that the shower isn't new. Therefore, I filed another dispute which XXXX XXXX has refused to process or contact me concerning the issue although I've made numerous requests as far as the status of case number : XXXX. I'm now locked out of the contact with the manager, XXXX XXXX. I am a 100 % disable veteran on a fixed income and I need my {$1500.00}.
|
| 08/03/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
On XX/XX/2018 I contacted PenFed via phone to make a domestic wire transfer to fund an investment in XXXX XXXX XXXX XXXX. This was the third transfer to this fund made over the past three months. Previous transfers from PenFed totaled {$92000.00}. After a series of questions and verifications the agent indicated the transfer would be processed and I hung up.
On XX/XX/2018 I received an email that there was a problem with my account. I checked online and I was able to see that my funds were NOT transferred. I called an agent who said that they could not help me because the wire transfer department was closed and I would have to call back on Monday.
On Monday XX/XX/2018 I called back almost immediately when the customer service opened only to be told that it would be another 30 minutes before the wire transfer department was open.
I called back in 30 minutes and after lengthy periods on hold was told that the transfer could not be completed on Friday because the Federal Reserve was closed. I was assured the funds would be transferred quickly.
I contacted XXXX would said I have missed the investment deadline and would miss out on the profit for this period of investment. I was very upset.
I have checked my PenFed share account and I see that 7 days have passed and no transfer has taken place.
I have received no explanation from PenFed or notification that they did not fulfill my request.
I have suffered monetary damages due to PenFeds negligence, incompetence and deceit in handling my wire transfer.
|
| 07/08/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I have a home equity loan with the Pentagon Federal Credit Union that is delinquent but I was asked by a representative of their collections department to add {$70.00} to my monthly payment every month starting in XXXX which I have done. They continuously call me even on the day I make my payment to ask me when I am going to make the next payment because it is still 30 days behind. I was even told last month that the arrangement was no longer acceptable and I would have to enter into a new arrangement which I refused to do. I was told at one point by a supervisor that the person that made the arrangement was not authorized to make that arrangement with me. I have been told on numerous occasions that my home could be foreclosed on. They did modify the loan a couple of years ago because I had XXXX. And I know the expectation is that you will make your payments on time after that but on XXXX XXXX, 2014 my youngest son passed away and it took everything we could scrape together to get him buried. I told them that and offered to send them a copy of the death certificate but they continue to hound me relentlessly. I am ruffly between {$400.00} and {$500.00} dollars behind which will take approximately 6 more payments to catch up but I just ca n't take the numerous calls and the verbal beatings I get every month, all month, any more. I know I owe this money and I 'm doing all I can to pay this debt but they have harassed me to the point and with the loss of my son, XXXX I am about to crumble under this constant abuse.
|
| 12/29/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Fees charged
|
|
Web |
Older American |
|
I have had a Home Equity Line of Credit with Pentagon Federal Credit Union ( PenFed ) for several years. I paid fees to establish this HELOC and have never borrowed against this HELOC. I received a monthly statement for the period ended XX/XX/ by US Mail within the last 5 days. This statement showed a fee of {$99.00} which was charged to my account on XX/XX/ and described as ELOC Annual Fee. My account has never been charged with this fee previously, and there was no advance written communication provided by the credit union that this fee would be charged.
I contacted the credit union by phone on XX/XX/ and respectfully asked to have the fee waived and to then close the account, as I have never utilized the account, and never will, due to the current exorbitant interest rate of 9.00 %. I was told by PenFed that they would not waive the fee which had never been charged before and was charged to my account without notice. I asked the supervisor with whom I spoke to appeal this decision with a higher level of management and she rejected my request. I was told that the loan agreement allows PenFed to start charging a fee. A separate but related issue is that at closing I was promised I would receive a copy of the loan agreement, which PenFed never provided to me despite repeated requests.
I have deep 'buyer 's remorse ' at ever choosing to do business with PenFed. They are long on marketing and short on delivery and customer satisfaction, and now they are taking 'money for nothing ' from me, which is shameful.
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I ordered a credit report ( see attached document ) from XXXX on XX/XX/XXXX ( # XXXX ) and after a month had not received a response regarding a dispute submitted on-line. The disputes were in regards to derogatory accounts by Pentagon Federal Credit Union ( PCFU ). These PFCU accounts had been included in a bankruptcy which was successfully discharged in XXXX of XXXX and these two PFCU accounts were scheduled to be deleted from all of my credit reports ( XXXX XXXX XXXXXXXX XXXX by the end of XX/XX/XXXX having been discharged and over 7 years since closed. I called XXXX on XX/XX/XXXX regarding the status of my dispute. Although I never received an outcome of my dispute from XXXX, the XXXX customer assistant told me that PFCU account XXXX was deleted but that PFCU account XXXX was not. XXXX XXXX shows account XXXX as OPEN and PAST DUE derogatory. This is false as 1 ) the debt was paid in full and discharged, 2 ) the account was closed over 7 years ago, 3 ) is not past due. XXXX told me on XX/XX/XXXX that this account will stay on my report indefinitely and that it is not derogatory. I know that this is not true and filed another dispute - XXXX dispute # XXXX.
If you see my past history of disputes, you can note that PFCU has done everything that it can to keep incorrect credit history on my credit reports. PFCU is now AGAIN attempting to unlawfully collect on this account Also attached are documents showing this and all PFCU accounts 1 ) included in bankruptcy and 2 ) having been successfully discharged.
|
| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, AR XXXX PenFed Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX RE : Adverse Action Dear PenFed Credit Union , I, the consumer and natural person, was denied credit by PenFed Credit Union when I applied for a auto loan and checking account.
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.
You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by PenFed Credit Union due to the response I received.
PenFed Credit Union is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of PenFed Credit Union.
If PenFed Credit Union fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make PenFed Credit Union criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.
I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ).
Thank you, XXXX XXXX XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
|
| 10/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
The company is PENFED CREDIT UNION, PENTAGON FEDERAL CREDIT UNION MORTGAGE DEPARTMENT Started a refinance in the beginning of XXXX. They have made many mistakes and promises that they are trying to change after I'm vested in this process as well as insulting me for trying discuss this matter. When I got a " manager '' on the phone he said he had to get off the phone soin to go to a meeting so I only had a few minutes to talk with him. I explained that my loan officer had explained that I would receive approximately {$700.00} towards my closing costs if I applied with them right away so I did. But when I got the documents to sign and fax back that credit was not on there. He said that it changes by the minute and I missed it. Do I asked specifically when that time was..what minute did it change. He said they dont kerp that information because things change so often. I also explained about the multiple mistakes made by loan officer and felt I deserved what she promised me. He said that " They don't throw money at their problems '' referring to me. Then he rushed me off the phone to attend a meeting.
They are asking me continually for same documents over and over because they keep extending process. Now they want to hit my credit report again and keep making excuses why they cant close this loan. Its been over 4 months since application process was started.
They took my money for an appraisal almost 3 months ago.
I want to close immediately but they keep putting it off because they say they are busy.
|
| 02/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
Dear Sir or Maam, I am a XXXX XXXX XXXX who has a XXXX XXXX XXXX Veteran with a XXXX XXXX XXXX. After decades of using credit wisely and fulfilling all my obligations by having autopayments executed. I had to switch to minimum payments due to XXXX, divorce, and identity theft.
XX/XX/XXXX, I was finally able to pay off my PenFed credit cards with a line of credit. Unfortunately, those accounts were closed XX/XX/XXXX.
XX/XX/XXXX, I contacted PenFed customer service to reinstate the account. They suggested I reapply to open the account, which was a credit hit, I did reapply and then it was denied.
Over the past 16 months I have had dozens of confusing conversations with Penfed representatives.
XXXX XXXX, XXXX Pentagon Branch Office - Requested a hold on payments XXXX XXXX, XXXX to XXXX XXXX, XXXX : VA XXXX XXXX XXXX XXXX XXXX-present Pandemic XXXX XX/XX/XXXX XX/XX/XXXX Interest Charge on Purchases XXXX XXXX XX/XX/XXXX XX/XX/XXXX Interest Charge on Cash Advances XXXX XXXX XX/XX/XXXX XX/XX/XXXX CR. CARD PAYMENT XXXX VA XXXX ID : XXXX XXXX I am reaching out to the CFPB for assistance with Penfed customer service.
I respectfully request the 2 accounts be reopened with a {$10000.00} and {$25000.00} line ( s ) of credit. I further request all points/rewards reinstated on the cash back rewards card. I also request the {$500.00} overdraft be reinstated.
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX cell Pen Fed XXXX XXXX, XXXX Penfed XXXX XXXX, XXXX ( 2 ) Penfed XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX
|
| 12/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
I, the consumer, and natural person, was denied a car loan by PenFed Credit Union, In violation of 12 CFR Part 1002.
Adverse action against a consumer is AGAINST THE LAW according to 12 CFR Part 1002 of the Equal Opportunity Act. In which Regulation B protects applicants from discrimination in any aspect of a credit transaction and aspects of credit transactions include the following : Consumer credit, Business credit, Mortgage loans Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, Denial of credit, Servicing and collection and Revocation, alteration, or termination of credit 15 U.S. Code 1602 ( g ), The term creditor refers only to a person who regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments.
15 U.S. Code 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, because PenFed as access to my social security number, described as a credit card. I received no benefit in denying me the loan, this is proof of fraudulent activity i.e., unauthorized use.
12 U.S. Code 1431 - Powers and duties of banks, stipulate PenFed Credit Union can ONLY borrow, and is using my social security number to create credits to fund the loan. 15 U.S. Code 1611, PenFed is willfully and knowing violation in denial of my own credit.
|
| 10/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American |
|
Could not log in to my credit card account on XX/XX/XXXX.
Called credt card company and they informed me that because of two many log in attempts, a permanent hold has been placed on my account. I told them it was probably me since I was trying to remember my password when logging in. They said there was fraudlent activity with too many log in attempts and would not provide any details. I asked them if they would be sending me a letter explaining the details and they said they were in the process of doing so. I never received any notifications in the mail.
I called them back on XX/XX/XXXX and they told me the same thing. I asked them how am I suppose to make payments on my balance outstanding without being able to log into my account. I had previously set up Auto Pay but I am not sure if it will work now. They said you will need to use other third party payment methods.
This account was openned/activated in XX/XX/XXXX. I have a balance on the account of approximately {$5500.00} but can not confirm since my account is not accessible. I can not make payments from my checking account because of what they told me.
The information presented to me seems unreasonable and I do not want to be late on my payments. My next payment due date is on XX/XX/XXXX and I had autopay set up but can not verify if it will work now. I also can not monitor my balance since they will not allow me to access my account. I elected to receive electronic statements and can not access them since my account is locked.
|
| 03/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a check to use in the mail saying Im pre-approved for a personal loan. It said I would be getting a XXXX so I was not interested. I then received an email stating Weve lowered your rate. You will now get a XXXX I work in a XXXX XXXX myself and the fine print read Offer current as of XX/XX/2018.
1 In order to consolidate an existing PenFed loan, line of credit, or credit card, the current Bill Consolidation Loan rate must be equal to or greater than the rate on your existing PenFed loan, line of credit, or credit card. No more than 50 % of Bill Consolidation Loan funds may be used to consolidate existing PenFed debt. PenFed does not permit internal refinances of an existing PenFed Personal loan or Bill Consolidation Loan.
Loan amount determines term. All loans are subject to a minimum monthly payment of {$50.00}.
Questions or comments? Contact us.
To change your email address, please log on from our home page. This will ensure that your official records are updated. After you log on, go to " account actions '' then " Update Profile ''.
So this is not stating that I may not get that rate or anything. Nowhere on the email does it say as low as. I called to make sure and I was verbally told yes, I will be getting a XXXX. I deposited the money in my account of $ XXXX and when I go online, I see I have a loan of 12.99 %. Thats higher than some of the debt I want to payoff. I called and spoke to a supervisor named XXXX and he said they will not be able to honor the rate of XXXX
|
| 12/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a loan with PENFED CREDIT UNION for {$20000.00}. I called PENFED CREDIT UNION to get clarification on why i was denied my right to extend my credit and explained to The supervisor XXXX at Extension " XXXX '' That under the law in Truth in lending, I was the original creditor Pursuant to 15 USC 1602 ( g ) - The term " creditor '' refers only to a person who regularly extends consumer credit, and which would then make PENFED CREDIT UNION a creditor to extend myself my own credit. In 1602 ( f ) the term Credit means THE RIGHT GRANTED BY A CREDITOR ( Myself ) to a debtor ( PENFED CREDIT UNION ) to defer payment of debt. I exercised my rights and was still discriminated against because I in good faith exercised my rights pursuant to 15 usc 1691 ( a ) ( 3 )! I was completely ignored by XXXX when i told him that he is willfully and knowingly gives false or inaccurate information pursuant to 15 usc 1611. PENFED CREDIT UNION Used my Credit Card ( SOCIAL SECURITY CARD ) Pursuant to 15 Usc 1602 ( l ) - " Credit card '' is ANY CARD existing to obtain money or services on credit. In 15 U.S. Code 1691a K- In the definition Adverse Action, No where does it say you can be denied due to credit. There is fraudulent activity on my credit report with XXXX and PenFed is discriminating my character and is not a equal credit reporting act!
I am Demanding PENFED CREDIT UNION to use my open ended credit plan and Open the credit transaction for {$20000.00}! I am adding my exhibits received in mail.
|
| 11/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
On XX/XX/XXXX I began a process for a Mortgage Loan on Pentagon Federal Credit Union. I submitted all the pertinent documents as requested by the loan officer. The bank ask me to pay for the appraisal, the property inspection and sign the selling contract with the seller. As part of the contract I have to deposit {$1000.00} on behalf of the seller. After submitted all the documents the closing was scheduled for XX/XX/2020. Because I live in XXXX XXXX, I make reservations for plane tickets and rent a vehicle in order to attend the closing.On the final moment the loan officer cancel the closing and scheduled again for Monday. I request an extension of the selling contract for XX/XX/XXXX and change the flight and rented car. The loan officer assured that the closing will be scheduled for Monday afternoon. For my surprise and the sellers, the loan officer sent an email cancelling the transaction allegedly because the property was a Condo. From the beginning the mortgage lender knows the fact that the property was a Condo and insisted on requesting the documents and paying for all the fees involved on the process. Due to the cancellation of the closing on the last minute, the seller refuse to reimburse the {$1000.00} deposit. I asked for An explanation from the mortgage lender and we received no answer. Due this outrage we lost all the expenses incurred to complete the loan process. We requested the reimbursement of all our expenses estimated in more than {$5000.00} and nobody reply our email.
|
| 07/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I survived eartquakes and pandemic covid 19 disasters and PENFED after I tries several attempts to ask for loan consolidation of credits cards, moratorium in my payments only 4 months they make an UNAUTHORIZED TRANSACTIONS OF THE ONLY MONEY THAT I HAVE TO RESOLVE THIS MONTH, THE PROCESSED A UNAUTHORIZED PAYMENT FOR ONE OF MY CREDITS CARD OF {$100.00} ON XX/XX/2020 AND CHARGE {$10.00} AS A SERVICE FEES ON XX/XX/2020. tHE MAKE THE TRANSACTION WITHOUT MY AUTHORIZATION, i DID NOT RECEIVED ANY HELP AND TOOK THE MONEY FROM MY ACCOUNT WITHOUT MY ANUENCE WITHOUT MY AUTHORIZATION AND WITHOUT MY CONSEN. tHEY SAID THAT THEY CAN BUT i KNOW BY A LAWER XXXX XXXX THAT THEY CAN'T MAKE ANY TRANSACTION ON MY ACCOUNTS WITHOUT MY ANNUENCE WITHOUT MY CONSENT IN THE MIDDLE OF THE PANDEMIC DISASTER. tHEY STOLE MY MONEY FROMY ACCOUNT I UNDERSTOOD THAT, IT IS THE ONLY MONEY THAT I HAVE AT THIS TIME BECAUSE THE PUERTO RICO GOVERMENT TAXES IN A DISCRIMINATED WAY NOT WANT TO GAVE ME MY INCENTIVE A THEY GAVE TO EVERYBODY ELSE. I TOLD THAT THEY SHOULD RETURN MY MONEY THAT THEY CANT TAKE MY MONEY. THE aISABET WAS THE FIRST ASSOCIATE THAT ATTENT MY CALL. THEN TRANSFER TO XXXX XXXX XXXX AND THEY SENT A FORMTO FILL IN ORDER TO VIEW IF THEY WILL OR WILL NOT RETURN THAT DEPEND ON MANAGER DECISION, AND I NEED IT. i SENT A LETTER ON XXXX TO THEM ASKING HELP AND MORATORIUM AND THEY DENIED ME MY LAST PAYMENTS WERE ON XX/XX/2020. THEY SAID THE CALLED AND THEY DIDNOT CALL ME THEY ARE LIED, I DID NOT RECEIVED ANY CALL FROM THEM.
|
| 07/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
RE : SUSPENSION of Cash Rewards Programa by Penfed - LOST OR STOLEN OVER {$16000.00} On XX/XX/2022, I received a letter informing me that the " Cash Rewards '' program for my Pendfed card has been suspended. I have been a long time loyal Penfed customer. My relationship with Penfed is one of several years and complete. This relationship is made up of : bank accounts, savings certificates, credit cards, and vehicle loans and personal loans. It has always paid my obligations without arrears and as a loyal client of Penfed.
Penfed claims that I have been using the card inconsistent with the rewards program.
We submit several claims to Penfed including evidence of the expenses paid with the credit card wich include : General expenses, utilities and taxes payments.
I always thought that by using the card according to its slogan ( XXXX XXXX XXXX Rewards Visa Card gives you 2 % cash back on all purchases with no limits on how much you can earn ) on all purchases, services and consumptions, I would become a better and more loyal customer to Penfed, not get penalized.
The reward program was supended and i was not able to redeem the accrued reward poits. At that time I have over {$16000.00} accrued on cash rewards. LOST OR STOLEN.
No previews orientation was given about its rules and how they could penalize me. These rules are contrary to the " slogan '' they promote ( 2 % cash back on all purchases with no limits on how much you can earn ), so I consider it a MISLEADING ADVERTISEMENT.
|
| 07/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
After opening saving account with PENFED, they offered me credit card and send a credit card. I did not even request or apply for their credit card. They saw my account has good chunk of cash on the account. They talked me to it as the best card to own with a such nice of credit line. Because my life is extremely with my veterans patients before and during COVID-19 pandemic, I requested to have my credit card payment be automatically taken from my account. I sat in the office of PENFED branch bank located at XXXX XXXX XXXX XXXX DC XXXX at the same governmental agency, XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) where I am employed as XXXX XXXX with PENFED back representative to setup direct deduction from my account for credit card payment. I was an XXXX American male who promised me that there is an option to setup direct deduction from my account as I have my direct deposit already setup and ongoing. After approximately 45 minutes to an hour in his office, I was told that my direct deduction has been successfully setup and ready to go. I do not have way of knowing that the individual employees of the PENFED was incompetent in accounting as well as setting up the system where my due credit card be paid on time. I trusted him, and trusted the system. But the PENFED failed to keep the promise they made by keep unskilled employee at office as a customer service representative.
They damaged my credit history and my credit scores.
I had credit card from PENFED Credit Union.
|
| 12/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My name is XXXX XXXX. I have been a loyal member of the Pentagon Federal for about 10 years. I initiated a mortgage refinance in early XXXX. My loan processor XXXX XXXX has been extremely unresponsive to date. I have been feeling neglected throughout the entire loan application because XXXX has spoken to me via telephone 1x through this process. My estimated closing was yesterday XX/XX/XXXX. On XX/XX/XXXX I received a forwarded internal email stating something to the affect of my property was not eligible for the refinance due to XXXX XXXX guidelines. I immediately requested a call from a manager on XX/XX/XXXX for clarification but have not heard back to discuss further. While awaiting a callback from a manager I did my own research and reviewed the XXXX XXXX guidelines and found multiple exemptions to the guideline. The XXXX XXXX links were sent to my loan officer and processor for consideration. After forwarding the information I have not heard anything from Pentagon Federal.
Again I have not been able to speak with XXXX XXXX nor a manager to discuss any additional programs within XXXX XXXX guide or options to help me as a valued member.
This has been the worst service Ive received in my life. I do hope that Pentagon Federal understands the severity of this as we are currently in a pandemic, I have been working to decrease my expenses due to this pandemic. I feel Pentagon Federal has not assisted me with my financial goals and I feel abandoned by Pentagon Federal.
|
| 06/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Older American, Servicemember |
|
I signed contract for XXXX membership in XXXX XXXX, after 5 and half hours revising the term, XXXX forgot to write my address in the contract so they added the address in the contract after signing the revised contract, after getting to hotel I realised the contract is not in English and my two down payments transactions {$2800.00} and {$320.00} ( {$3100.00} ) is only {$2100.00} so next day I called XXXX to cancel the contract I was told to Dispute the charge and after getting the dispute from your bank we will cancel it so I disputed the charges on X/XX/2017 with Pentagon credit union and on X/XX/2017 submitted exhibits and drafted a letter explaining the situation via email to my bank, since then my dispute still in que and still nobody was assigned to it usually after submitting the Dispute in two days with name and phone number of person and within 10 days I get previsional credit and the dispute it may takes 30 days to resolve but according to Pentagon credit union had merger with other banks and they are backed logs and my dispute is setting there with nobody assigned to it ( X/XX/2017 ) and this is violation of our terms with Pentagon credit union, the bank canceled the credit card and issuing another one due to thinking that XXXX is commiting fraud because I paid {$3100.00} but in the contract only showing {$2100.00} and term is written in XXXX and XXXX are waiting for my bank to submit the dispute to cancel the contract, but no dispute had been send to XXXX yet.
|
| 12/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened a Penfed checking account online in XX/XX/XXXX 2023. I provided all the necessary documentation that was asked of me at that time. In first week of XX/XX/XXXX2023, I found out that my account was locked. I did not receive any communication and I only got to know this because my online access was locked. I contacted the customer care on XX/XX/XXXX23 and they told me that my account had been flagged by the fraud services team and I needed to submit documents online to unblock my account. I submitted the my social security card, drivers license and utility bills as asked by the Penfed customer service. I called customer again on XXXXXXXX23and this time I was told that while they can confirm that they received all the documents I uploaded, they cant unlock the account since only fraud services team can do it. They refused to transfer my call to the fraud service team. I called again the same day and I was told by another agent that the online document upload would not work as I have to respond to a letter sent to me by mail. I told them I never received a letter. They refused to give me any further information and told me that the account would remain blocked. I As of the date of writing this complaint ( XX/XX/XXXX23 ), my account is still blocked. I have not received any letter from Penfed or any other communication regarding my account. It is outrageous that I am not able to use my account despite providing all documentation they have requested of me.
|
| 08/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
Servicemember |
|
I had {$460.00} taken from my account. I contacted to make immediately only to find out that I had other transactions taken from my account one for {$460.00} one for {$600.00} one for XXXX something dollars these transaction went to some XXXX XXXX I asked the bank to step in and stop these payments before they went out. I couldnt stop nothing but the last payment the bank said it was too late only thing that they could do was go in and file a regulation E dispute they told me it looks like I would not win the dispute although it only had been 24 to 48 hours. I would like assistance in trying to get this money back. Im a single parent and taking this kind of money from me is a whole lot of money. I barely have enough right now based on a fixed income to pay my rent, I would like some sort of assistance to step in and get this money back from this guy. This is fraud. I dont know this person and not did I authorize money to go out to him the financial situation that Im currently bank in with Pentagon , Federal credit Union . Theyre the ones so I contacted there XXXX department to try and get these balloons back from this person only to be told that more than likely it wasnt going to happen when young lady who I spoke with, said it would happen all they have to do is going to request the money back from the persons account. As long as they hadnt spent it I should be able to get my money back. Im just getting conflicting information at this point from these banks.
|
| 07/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I am reporting this complaint for my mother XXXX XXXX. XXXX is XXXX XXXX XXXX and lives in her own home at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In late XX/XX/XXXX thru XX/XX/XXXX she was contacted many times my XXXX XXXX. They contacted her to try to sell her a money making internet business. She was told she would make hundreds of dollars a day. XXXX has a computer, and has learned to look at her e mail, but has not learned any other computer skills. XXXX XXXX told her it was not necessary, that she could pay them $ XXXX and they would help her get money deposited directly to her bank account. XXXX is on social security and has a reverse mortgage on her home. They referred her to Pentagon Federal Credit Union for a loan that they gave her over the phone with an e mailed electronic signature. She send me all the documents that she had on her XXXX mails and I can find no loan documents. She paid XXXX XXXX {$5.00} k on XX/XX/XXXX from her debit account. Pentagon Federal Credit Union deposited $ XXXX into her debit account at XXXX XXXX XXXX on XX/XX/XXXX, she then wrote a check from that to XXXX XXXX XXXX on XX/XX/XXXX.
I contacted XXXX XXXX for and refund and was denied. I will continue to try to get that back. I have reported to FBI, BBB, & FTC, and am reaching out to all agencies that might be able to help.
I disagree with PENFED for loaning this amount over the phone to an elderly woman without asking any questions. I do not know how she will pay them back.
|
| 07/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
Missing Transfers from XXXX XXXX to Pentagon FederaXXXX Accounts XX/XX/XXXX- I noticed my Pentagon Federal accounts were missing funds.
{$990.00} missing from savings {$990.00} missing from checking XX/XX/XXXX I emailed documentation of the transfers through XXXX XXXX secure document portal showing the two completed transfers from XXXX XXXX to Pentagon FederaXXXX on XX/XX/XXXX. Pentagon Federal Case # XXXX.
XX/XX/XXXX Received an email response from Pentagon Federal saying they were unable to assist and I should contact XXXX XXXX.
XX/XX/XXXX I contacted XXXX XXXX. I was told that the transfers were completed on XX/XX/XXXX.
XX/XX/XXXX I called Escalation Analyst XXXX XXXX at Pentagon Federal. He said he would check on the issue.
XX/XX/XXXX I called XXXX XXXX at Pentagon Federal and was told The funds were rejected. XXXX XXXX XXXX.
XX/XX/XXXX I called XXXX XXXX and was told the funds were transferred XX/XX/XXXX at XXXX pm. The funds were not rejected.
XX/XX/XXXX I called XXXX XXXX at Pentagon Federal. He said he would reach out to another department and get back to me.
XX/XX/XXXX XXXX XXXX at Pentagon Federal told me that the transfers made on XX/XX/XXXX through XXXX XXXX were rejected by Pentagon Federal on XX/XX/XXXX. There was nothing he could do. He suggested calling XXXX XXXX.
XX/XX/XXXX I again called XXXX XXXX, again giving them MTCN number and date of the rejection. The XXXX XXXX representative said they never received the rejection.
|
| 03/06/2023 |
No |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have my VA mortgage through Pentagon Federal Credit Union. They intentionally don't process mortgage payments in a reasonable amount of time. I don't know if it is to generate late fees, push people to sign up for auto pay, or that they are incompetent. None of the reasons are good.
I noticed over the last few months that it has taken weeks for my mortgage payment to post. I contacted them by email via customer service. Then I called XXXX XXXX XXXX number, which handles mortgage payments, on XX/XX/2023 at XXXXXXXX XXXX and spoke to XXXX XXXX She looked up my payments. They have tracking from when you take your payment to the post office. I did not know they could do that.
She said yes your XX/XX/XXXX payment was sent XX/XX/XXXX, received in XXXX on XX/XX/XXXX, but not posted to your account until XX/XX/XXXX. A week later!! The same happened for the XX/XX/XXXX payments. They have record of me sending it XX/XX/XXXX, it arrived in XXXX on XX/XX/XXXX, and it was not posted until XX/XX/XXXX. Over a week later!!
If the company chooses to use a Post Office box for payments then they should be required to empty the box contents daily and post accounts with payments promptly. Right now they're not.
Pentagon Federal Credit Union has insisted that they post payments as soon as they receive them. Their current system has payments from customers sitting in post office boxes and not posted to customer 's accounts for lengthy times. It should not be this way.
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Complaint Regarding Non-Compliance with Negotiable Instrument for Debt Cancellation I am writing to file a formal complaint against XXXX XXXX and [ XXXX XXXX XXXX and XXXX XXXX as well as XXXX Name ] for their failure to honor a negotiable instrument, specifically a Form 1099-C, which legally cancels the consumer debt in question. I believe that their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws.
I would like to bring to your attention that the negotiable instrument used in this case, Form 1099-C, is a legally binding document that should result in the cancellation of the consumer debt. The failure of the above corporations to honor this instrument raises concerns about their compliance with consumer protection laws.
I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that The corporation named above must comply with the relevant laws and promptly cancel the consumer debt using the negotiable instrument provided.
[ Attach copies of relevant documents, including Form 1099-C, correspondence with the credit bureau and collections agency , and any other supporting evidence. ] I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will investigate the issue thoroughly. I look forward to a resolution that upholds consumer rights and ensures fair treatment by the law.
Thank you for your prompt attention to this complaint.
|
| 04/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
|
I applied for the Credit card in XXXX got approved. I provided all the documents needed including bank statements. Also received abuse and harassment from the staff. Mr XXXX XXXX messaged me saying you application is almost finalized. He then send me a email saying the jig is up? This credit union has lied to me and mislead me. I got approved for a credit card which was never send to me. Mr. XXXX XXXX has refused to reply to my emails. Also a complaint was filed ( ref XXXX ) in which the case was immediately closed with out any outcome and no investigation.
I am lodging a written formal grievance to invoke the grievance procedure by reason that PenFed has omitted to recognise its 'statutory duties ' germane to my XXXX. This omission whether deliberate or inadvertent is to my detriment.
My health and well-being have been affected and continues to be effected due to PenFed relevant failure to observe a duty of care towards me. In invoking the grievance procedure, I am asking PenFed to observe the implied term of 'mutual trust and confidence ', and not act in a manner which would likely destroy, or seriously damage that trust and confidence. I trust therefore, that PenFedwill observe the 'good faith performance and take 'reasonable and practicable steps ' to remedy the following grievances. I trust that that I will not be subjected to a detriment and or detrimental treatment for having exercised my statutory rights in invoking the grievance procedure.
|
| 07/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
PenFed ( Pentagon Federal Credit Union ) advertises " XXXX Points '' XXXX mortgage loans. In fact, this advertising is deceptive. PenFed charges " points '' disguised as " Loan Origination Fees ''. The initial ads ( attached ) state that the " XXXX Point '' loan has an APR higher than the stated rate because of " closing costs '' ... which a consumer can interpret as the cost of appraisals, credit checks, filing fees, etc. In fact, the closing costs include a 1 % POINT called " Loan Origination Fee ''. The borrower gets no benefit from this fee. All of the costs associated with closing the loan are billed to the borrower. The APR is in fact NOT increased by closing costs ... it is increased by collecting a POINT. The proof that this is POINT comes when the borrower complains. PenFed offers to waive the " Loan Origination Fee '', if the borrower will accept a rate 1/4 % above the advertised rate. THIS IS EXACTLY WHAT A POINT DOES!! This proves that paying the " Loan Origination Fee '' is in fact paying a POINT. Paying the POINT reduces the interest rate. Therefore, PenFed is either advertising rates that it is n't really offering ( you only get the XXXX point rate by paying a point ... the true ( hidden ) XXXX point rate is 1/4 % higher ) or it is lying when it says that the loan is " XXXX points '' and lying again when they say the APR is linked to closing costs ... they add a point in the Closing Fees disguising it as a " Loan Origination Fee ''.
|
| 10/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American, Servicemember |
|
Dear, Im XXXX years XXXX XXXX person, on XXXX/XXXX/XXXX, I filled Didpute against Mechanic shop that had my car for 2 months, couldnt start the car due to getting starting Error the key couldnt start the car, on XXXX/XXXX/XXXX got car back but he next day I got same Error the key couldnt start the car, XXXX XXXX XXXX XXXX suppose to send programmer to reprogram the Key but he/her never showed up so on XXXX/XXXX/XXXX, Pentagon Credit union send an Email credit card dispute form to sign, so after signing the form, the customer rep said is going to take 30 to 45 days to resolve but usually after two weeks I get a provisional credit, on XXXX/XXXX/XXXX I called to check the status of my dispute, the Rep couldnt find it, after talking to supervisor I asked to get Reciept and email it, I told him my credit card XXXX is my recipt since we didnt sign any binding contract when my car was towed from one mechanic shop to XXXX XXXX XXXX after 24 days it seems Pencredit union just opened new dispute usually Pencredit union send you dispute form and after signing get resolved since Pencredit merged with other banks everything is backed logged, we have to wait 40 minuets and their service is worst and that was not when I accepted their term and regulation, Pencredit union must follow our term/agreement and one of XXXX protection is to dispute any charge within 30-45 days after 24 days didnt work on my dispute or lost it and this is violation of our term.
|
| 08/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
I would like to ask you to reconsider my application for your Personal Line of credit. Application Number : XXXX.
I recently applied and I was rather surprised to receive a denial regarding my application. Due to the numerous positive reviews shared by my family and friends with respect to this bank I would like to share some more information with you in hopes of obtaining an approval. In your letter, you listed that the reasons for the denial were : too many financial obligations against income.
My income is $ XXXX. I have no idea why my income is an issue. I make more than enough to cover my monthly bills and then some.
This doesnt make any sense when all of my cards are under 30 % utilization. For example, I have a $ XXXX credit limit on my XXXX XXXX XXXX XXXX cash rewards is only $ XXXX, which is 15 %. My XXXX XXXX card is {$200.00} balance out of {$3500.00}, which is only about 6 % utilization. The {$5000.00} personal line of credit will prove especially useful to me. Not only did I rebuild my credit within 6 months, but my stock portfolio weighs in at {$39000.00}. I also have accounts with XXXX XXXX, PenFed, and XXXX XXXX XXXX. If you are willing to give me a chance, you can even start me with a low credit line of {$5000.00} so I can prove to you my reliability and loyalty to this bank. My account balances are in excess $ XXXX to show Im worthy. I thank you for your time and reconsideration and I hope to hear back from you soon.
|
| 07/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XXXX, I was a victim of Identity Theft. The perpetrator was somehow able to open an account with PenFed Credit Union and was approved for a credit card that he then used at a local XXXX XXXX to purchase {$3100.00} worth of product. Once I learned of the identity theft I froze my credit, put out a fraud alert as well as reported to identitytheft.gov as well as reported to the local authorities. I called PenFed to let them know that the account that was opened under my name was a fraudulent account and they assured me that it would be closed immediately and I would not owe anything on it. They sent me a letter stating the closer of this account as well as an affidavit to fill out to assist them in going after the person who opened it. I filled out this affidavit and sent it through the mail as well as sent it through their email address XXXX. This affidavit included case numbers as well as a copy of my actual ID.
However, I recently received a letter in the mail stating I owed on the closed account. I called them on Wednesday XX/XX/XXXX and asked why I received the letter and the lady could not tell me why. She said I would be removed from the collections queue. Today, XXXX XXXX, 2019 I got an alert that PenFed has sent a delinquent alert to XXXX and it has been posted on my credit. At this point I feel I have to escalate this situation because Penfed, who assisted in an Identity Theft crime, is now turning to the victim to collect.
|
| 01/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XX/XX/2022, I went to buy a vehicle from XXXXXXXX XXXX XXXX XXXX XXXX. The dealership contacted PENFED to file an application for financing. The salesman had calculated the payment using the 6.24 % interest rate that PENFED uses ( at the time ) for clients with low credit risk. PENFED responded with a 7.99 % ( 175 basis points higher ) allegedly because my credit report showed certain flaws. The salesman pointed out that the payment wasnt proportionally much higher.
A few days later, I received a letter from PENFED that showed a credit score of XXXX from XXXX which is considered excellent, ( the credit bureau company they used ). The payment offered at a higher rate does not seem to be much higher, but the interest accumulated over the life of the loan is ( {$5200.00} estimated by PENFED vs {$3900.00} ; a {$1200.00} difference ).
I submitted a formal request to correct the interest to the proper rate and was declined because PENFED does not renegotiate loans as you can see in their response uploaded. Their representative said they take other things into consideration, but did not care to point them out.
This seems to me like a scheme to hook up the client with a published interest rate that will not be honored unless you find out what is going behind the curtain. My XXXX credit score is excellent, I do not have major bills because my house is fully paid, my only two credit cards have XXXX balance and there is nothing else.
|
| 04/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
My PenFed credit card was fraudulently charged {$2400.00}, on XX/XX/2022, without my knowledge, while I was visiting XXXX, XXXX. The charge was in the name of a XXXX XXXX XXXX XXXX, a person or organization unknown to me.
Even though the change was XXXX times greater than I have ever made while visiting XXXX, PenFed security made no attempt to contact me via email, text or phone in order to confirm the transaction.
On XXXX XXXX, while reviewing my online account prior to paying, I noticed the charge and immediately contacted the PenFed Fraud Department. They canceled the card and initiated an investigation.
However, after the briefest of investigations, in which they could not even contact the vendor ( Id already attempted with no success ; doesnt apparently exist ), they determined that the transaction was valid in spite of the fact that I did not authorize the charge.
There are any number of ways that someone could fraudulently use my card, while I used it at a restaurant, etc, none which PenFed even considered.
Consequently, in spite of their inability to attempt contact with me regarding a highly suspicious transaction ( when the charge still could have been denied ) they demand that I pay for a charge which I did not authorize.
I have called the Security Department and customer service with no success. I was told only that, since the actual card was used, that it was considered a valid charge and I would have to pay it
|
| 11/09/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I closed on my home with Pentagon Federal Credit Union ( PenFed ) on XX/XX/XXXX. In XX/XX/XXXX I was notified that my mortgage payment would increase monthly from {$2600.00} to {$4100.00} a difference of {$1500.00}. The increase in payment is due to Penfed assessing my taxes based on the land value of my home in XXXX ( XXXX ) not the sale price of {$560000.00} nor the appraisal value of $ XXXX. Per the documents my Escrow account XXXX payment was {$380.00}. The new assessment for the escrow ( ONLY ) is {$890.00} ( taxes-insurace-pmi ), difference of {$510.00} based on county assessment of my home @ {$570000.00}. Per the Annual Escrow Account Disclosure Statement the breakdown is {$510.00} PLUS shortage of $ XXXX {$1500.00}.
My point of contention is specific to the additional {$1000.00} a month ( {$12000.00} for a yr ) Escrow shortage they are asking me to recoup. I would like for PenFed to forgive this amount as they incorrectly assessed the taxes on my home prior to the date of closing. In 18months I was never notified of any error or inconsistencies. This amount of money is financially impossible for me to pay ( {$4100.00} a month ). My closing disclosure, nor in my communications with Loan Processor/Title company ever disclosed this amount of monthly payment was ever in consideration. To date Penfed has acknowledged their mistake however have not offered financial responsibility for a mistake I had no way of foreseeing.
|
| 07/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
XX/XX/XXXX XXXX XXXX filed on my behalf. Penfed sold a debt to another collection agency of {$9600.00} on XX/XX/XXXX Account ending XXXX and penfed Federal credit union, still trying to collect the debt after they sold the debt this is all public record. on XX/XX/XXXX XXXX XXXX Discharged I get letters in mail, Email, phone calls, from Penfed! Penfed sold my debt and reclaimed it during bankruptcy. I have all document to prove in court when I file. Penfed reports on XXXX XXXX XXXX discharge and penfed go back and reports charge off bad debt/collections. Penfed reports multiple times to manipulate credit bureau. They also send collections to collect debt while manipulating false practice in reporting to credit bureau. I have been threatened to be sued for bad debt and my home have lien put on it if I do not pay. BANKRUPTCY CODE SECTION 362 AUTOMATIC STAY have been a VIOLATION OF AUTOMATIC STAY UNDER ITS POWER OF CONTEMPT. PENFED VIOLATED THE COURTS ORDER. I WILL FILE FOR DAMAGES SOON. PENFED WILL LIE ABOUT CALLING SO THEY CAN IGNORE THIS I DO NOT WANT THEM CALLING ME IM TIRED OF HURASSMENT. This month Penfed again each month reports multiple times to XXXX in one month at same time. First penfed will acknowledge its XXXX XXXX discharge and penfed will report after that BAD DEBT and penfed will go in and state collection. Penfed is manipulating credit bureaus. Penfed hit my report 4 times back-to-back on same bureau same day.
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2021, I submitted a mortgage application to PenFed Credit Union. As soon as I submitted the application, my credit was checked with all 3 credit bureas. I did agree to one hard pull to process the application. That was fine.
However, on XX/XX/2021 when I called to follow up on the mortgage application, the mortgage specialist pull me on hold to review my application and documents, and he inadvertently requested my credit for a SECOND time.
I pay for services that alert me when my credit is pulled. I immediately informed him over the phone of what happened. The representative was clueless and swore he did not request my credit again. Only 1 inquiry was needed. There was no need to run a second time. The representative though I was probably seeing the same as yesterday. I was very clear that it was two independent inquiries they ran.
I provided evidence to PenFed on multiple occasions, called over the phone, spoke to multiple departments and kept complaining and PenFed took no action. At the time, they were perplexed because in their system they couldn't see that my credit was pulled twice. I had to send them the evidence, and even with the evidence, they took no action!
It has been well over a year and the additional credit inquiry from XX/XX/2021 is still on all my 3 credit reports.
I'm attaching evidence of the inquiries on XXXX and XXXX. These are also showing on transunion. Please have them all removed.
|
| 09/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied for consumer credit on XXXX XXXX with Pen Federal. I was denied and sent an email stating why. On XXXX XXXX I called and spoke with XXXX the assistant manager in finance regarding the application. I was told that I was denied do to having too many inquiries. I then stated to her that I used my social to access this consumer transaction which is based on my unlimited credit. I also stated that they are in violation of 15 USC 1611 by denying me this. She told me I will also recieve a letter in the mail stating this. I told her that I'm aware of the step that are taken. I also stated that they are in violation per Regulation B and many other laws that their " key factors '' are unacceptable and that they should be compliant with the ECOA.I asked to speak with the underwriter and was told that the underwriter only makes calls if he is needing more information from the consumer. XXXX then stated that she could have her supervisor give me a call. An hour later I received a call from XXXX. I explained to her everything that I explained to XXXX. She then stated that I was denied specifically do to my credit score. I asked if I could get that sent out to me stating that exact reason. I was told " no, and that I should try to get my credit score up more ''. Per the ECOA under 'Prohibited Practices, Credit Scoring Systems , and Judgmental Evaluation System '' and many other laws they have take adverse reaction against me.
|
| 07/11/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX, new $ XXXX HELOC with Pentagon Federal Credit Union, first lien on XXXX XXXX. HELOC rate 9.5 %, later refinanced with new 2 % first mortgage loan subject to full HELOC payoff with release. Gave PFCU written instructions to close and release HELOC. PFCUs payoff amount included {$28.00} fee to record lien release. On XX/XX/XXXX, On XX/XX/XXXX, new first mortgage loan close and loan proceeds paid out of escrow paid HELOC debt paid in full. Later learned the line was not closed, HELOC lien not released. Lawsuit pending in XXXX Hawaii between our first mortgage lender and PFCU ( Action ) over whose lien has priority. After closing, needed cash to save my other properties. Later learned PFCU line never closed. I drew funds as needed, made regular monthly payments. In XX/XX/XXXX, paid off $ XXXX balance in full. Eventually was unable to make payments. On XX/XX/XXXX, XXXX sent us its notice of the acceleration of our debt, but we was never sued. We were in contact with PFCU up to XX/XX/XXXX. Just learned on XX/XX/XXXX, PFCU filed a new claim in the Action against us on the credit line debt of {$200000.00} plus {$100000.00} in interest. We have not been served with PFCU 's debt collection claim filed in the Action. We received no prior notice we were being sued and that we can dispute the debt. It has been 13 years since PFCU accelerated the debt. PFCU is trying to collect a time barred debt. We are very stressed.
|
| 05/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The company below is refusing to verify my identity to get into my account as you will see. I have a new number and can not get into my account since I can not receive the verification code to my old phone. I initially tried to login to do this because I also had to get a new bank account recently and realized I couldnt login to switch the information and make a payment. Ive contacted PenFed credit union several times and talk back and forth with them on how to verify my information to change my phone number and bank information to make a payment on some way or another. They asked for a copy of my phone bill to my current address, and my photo i.d . Which I provided to them multiple times, To continually get denied. I am now over a month behind because they refuse to fix these issues and take my payment which I had at the time. You will see in the emails I ever let my XXXX get the best of me in the last one and told them to take the car if they refuse my payment. Obviously this isnt what I want but Im at my wits end and dont know what to do it seems pointless. I will include email attachments with dates. I can not get my account, or loan number due to not being able to login to my account. But my names XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, my car is a XXXX XXXX XXXX XXXX model, and my online username is XXXX for my PenFed account. Hopefully they can pull it up with this information thank you.
|
| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX I filed chapter XXXX bankruptcy in XX/XX/XXXX.of XXXX case # XXXX included in that case was auto loans with XXXX XXXX XXXX XXXX they merged with Pen fed credit union while the loans were in bankruptcy the plan was confirmed on XX/XX/XXXX an completed onXXXX an discharged but pen fed an experian are showing them as charged off with balances when the plan was completed pen fed sent me out certificates of lien satisfaction dated XX/XX/XXXX an also sent me titles to vehicles loan XXXX XXXX i have contacted pen fed several times about the inaccurate information.I received a letter for the them dated XX/XX/XXXX stated information reporting is correct an that I took out the loans in XX/XX/XXXX while i was under the bankurptcy i resubmitted another dispute explaining it was not correct an that have documentation showing that the loans were included in the bankruptcy an discharged an that i have a copy of bankruptcy showing XXXX XXXX XXXXpen fed as creditors i haven't heard a response as of yet i have also disputed with experian an they have refused to get the account validated an stated that it is showing correctly .this misreporting of information is causing me an my family tremendous financial hardship i've been turned down for several loans my XXXX is starting college an i can/t get approve for student loans because this erroneous information on my credit report this my last step before legal action
|
| 03/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
Hello on XX/XX/XXXX I applied for a credit card with a 0 % balance transfer. Never on the website was i told there was a delay in receiving my card. i did not receive my card until XX/XX/23. During this time Penfed Credit Union would not send out my balance transfer requests as they will not until i physically receive the card and activate it. Since XX/XX/23 I have received XXXX credit cards with the same exact card # meaning they were activated when they mailed # 2 and # 3. As of today they have the companies i requested a balance transfer to have not recieved the payments. Online it shows i owe PenFed Credit Union money as well as everytime I call them I receive different responses from their customer svc dept. " The checks have been cashed. They were put in the mail on XXXX XXXX. They have not been cashed. I have to redo everything as its more than 30 days and they do not see my requests. '' Everytime i call its different. My credit score has dropped over 40 points since I applied for this card as the balance transfer request has not been completed. I have contacted XXXX XXXX and they assist in investigating issues like this with companies as well as an attorney. Its been over 2 months and none of my cc 's have received the payment of the balance transfer request but PenFed claims they sent it. They do not have tracking numbers or copies of the checks that they claim they sent to the companies on my behalf.
|
| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
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PENFED CREDIT UNION has violated my consumer rights, discriminated against me, and discouraged me as a consumer. On XX/XX/2022 I opened a consumer account with PENFED CREDIT UNION and deposited {$100.00} into my savings account over the phone with an employee of PENFED CREDIT UNION. Upon my discovery I had an adverse action letter sent to me via mail from PENFED CREDIT UNION. The adverse action letter stated the following : I can't open an unrestricted account/checking account, all my check deposits will be held for 5- business days, all my deposits will be held for 5 business days, I can't do any ACH transfers and only direct deposits are available. PENFED CREDIT UNION reason behind this action they stated is erroneous and violates many federal laws that protect consumers. PENFED CREDIT UNION reasons for violating my consumer rights came from the consumer reporting agency called XXXX. XXXX has recently been sued with a class action lawsuit for erroneous credit scores of millions of consumers, including me and PENFED CREDIT UNION made their decision to violate my rights based off of XXXX erroneous data. PENFED CREDIT UNION has broken multiple laws from the CONSUMER FINANCIAL PROTECTION ACT and EQUAL CREDIT OPPORTUNITY ACT. I feel so discouraged and discriminated against by PENFED CREDIT UNION. They were willing to accept my deposit but keep me from doing banking for my personal, family and household purposes.
|
| 12/06/2021 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
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XXXX XXXX XXXX XXXX$65000.00} was showing my balance but my incorrect.Call and they states that my account balance was {$0.00} then when I called back they said the account was closed.
Penfed Displaying account balances inaccurately on many occassions and closed my checking account for reasons not lawful. Made transfers to another institution and it stated the funds were being transferred on that day but later it should another date and on that date XXXX it didnt show up.
XXXX XXXX XXXX XXXX I was blocked from paying rent using the online portal and now only 2 of my balances have shown up. My balances are not being displayed. And attempts to login hae been denied on many occassions.
XXXX XXXX XXXX approved for a mortgage and deposit account and then rejected from using services.
XXXX XXXX approved for a real estate deelopment loan and because of inaccurate information listed in the XXXX XXXX XXXX I was later denied forcing my companies into fiancial hardship.
XXXX XXXX I did not receive the correct amount mandated by the XXXX XXXX XXXX XXXX. Now my accounts are not showing accurate balances.The also hae denied my the ability to dispute transactions.
XXXX XXXX XXXX has prevented me from applying for a real estate loan because XXXX XXXX XXXX all of their funds '' XXXX XXXX approved and denied me for an auto loan but then denied it because of inaccurate information listed in XXXX XXXX XXXX XXXX
|
| 09/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In XX/XX/2015 I opened a Credit Card with Pentagon Federal Credit Union. I fell on hard times due to a accident that left me incapacitated. Nonetheless when I received my settlement money I called Pentagon Federal and spoke with a nice woman about taking payment for both my line of credit and credit card. The woman advised me that she would have someone give me a call back making sure that I was still able to pay on the card since it was close to approaching Charge-Off Status. The woman called me back the following day and stated that I just met the cut off stated her supervisor and she then proceeded to take the payment information.
I would never pay money that I do not have just to have them report my credit on my credit as a charge off. I could have kept my money. In good faith I called to pay them and now they are stating that it was paid after it was charged off. If this is the case they need to give me back my money. The woman I spoke with was 100 % certain that it had not reached charge off status and that was how I was even able to pay the balance. This makes no sense and they are hurting my chances of purchasing a new home because of it. Not to mention my daughters tuition payments hold a higher than usual interest payment since they did this XXXX. I have the name of the woman some place and will send that in as soon as I locate it. I am tired of trying to fight these people to do what is right.
|
| 09/11/2021 |
Yes |
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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In XXXX of XXXX Pentagon Federal Credit Union ( PenFed ) reported my mortgage account as delinquent when it was in forbearance. On XX/XX/XXXX PenFed mailed me a letter stating that they submitted corrections to the credit bureaus. Well this does NOT include XXXX because as of XX/XX/XXXX my XXXX credit report is still shown as delinquent by PenFed. I filed a complaint about this with CFPB in XX/XX/XXXX ( Complaint ID XXXX ) and the response from PenFed was that I needed to wait at least 30 days to see an update with the credit bureaus. I called XXXX on XX/XX/XXXX and was on the phone with them more than 30 minutes discussing this because they had NOT received any corrective information from PenFed. The only paperwork they received was the letter I submitted to them from Penfed dated XX/XX/XXXX. When XXXX contacted PenFed to verify the inaccurate information reported to them, PenFed told them that the INACCURATE information was CORRECT! In fact, on XX/XX/XXXX PenFed AGAIN reported my account as delinquent to XXXX. I have attached documents which verifies all of this. This misinformation has caused me to pay more for car insurance because of the negative status on my credit report and score. It has also caused me to be unable to refinance my mortgage due to the negative status on my credit report and score. This will be my last attempt to rectify this civilly as my next step will be filing a lawsuit.
|
| 03/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
From XX/XX/2020 to XX/XX/2020 I applied for a mortgage with Pentagon Federal Credit Union. The loan officer was eager to do business and pre-qualified me with no issues. As we proceeded through the loan approval process I was told that the credit union would not move forward unless i committed to the appraisal and paid the fee online. I did that as they requested. The appraisal went fine and everything went off to underwriting with no issues. I called the Loan officer on XX/XX/2020 to check on things since the funding contingency was coming up in a week ; I also wanted to check the rates. After 24 hours the loan officer called and left me a message that loan program she quoted me and the details of which were fully described in the Loan Disclosure was a mistake on her part and now I would have to double my down payment in order to qualify for any program.
I was notified of this 5 days prior to mortgage commitment due date for the purchase. I called to talk to the loan officer and she would not let me speak to a manager. She said a manger would call me, which did not happen. I asked that the appraisal fee be refunded since it was their mistake and not mine. Also, in order to meet my deadline I had to go to another vendor and pay to expedite the appraisals, which was 3x the cost. This lender misrepresented their product and requirements. They then admitted it was their fault, however it is my loss.
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| 02/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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consumer applied for a personal loan with pentagon federal credit union as a federally protected consumer I have notified the credit agencies XXXX, XXXX and XXXX I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 PENFED IS AN FINANCIAL INSTITUTION XXXX IS THE UNAFFILIATED 3RD PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. PENFED HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION
|
| 10/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
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I twice disputed with XXXX a line of credit loan that originated with Pentagon Federal Credit Union in XX/XX/XXXX and paid off in XX/XX/XXXX, in which I requested removal of late notations on payment history on XX/XX/XXXX in a letter to Pentagon Federal Credit Union. The letter spelled out the reasons I thought payment history notations should be deleted.
In the meantime I received an undated and unsigned letter with the envelope dated XX/XX/XXXX from Penfed 's mortgage records department with closing papers from this old loan signed by me in front of a notary XX/XX/XXXX. The letter stated that an audit had revealed that I never received these closing docs back from Penfed after closing.
This loans purpose was to establish a line of credit for me as part of a modification of an existing loan to be paid off. The interest rate was more than if I was to do a regular fixed rate home equity loan but found it attractive that I would be able to use excess for a line of credit as needed. Unbeknownst to me because I had no loan papers from Pentagon Federal showing they closed my line of credit a week or so after I closed on loan and I would n't be able to use the loan as I expected. This would have come in handy in months where I was short and could have made a payment.
I believe there are issues with Regulation Z compliance regarding how the closing docs were n't released in a timely manner.
|
| 10/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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Good afternoon. In XXXX 2015 I requested a skip payment on my auto loan from my lender. They obliged and told me to continue making payments the following month. The stop payment did not go into effect, subsequently causing my lender to publish a 30 day delinquency on my credit report. Since then I have requested my credit report be updated with no success for over 6 months. I have been reassured my issue was valid and they are sorry for my inconvenience and that it is being taken care of numerous times, as well as been told I would receive a call back and other general lip service to get me off the phone with no result. My credit report has since been updated by the bureaus themselves show that my account status is " pays as agreed '' but has not removed the erroneous 30 day delinquency in question. Further attempts with Pentagon Federal Credit Union have been fruitless, most recently starting the dispute process all over again with no guarantees or communication with anyone in the back office responsible for the previous disputes - I 'm only able to speak with front line representatives who place me on long holds while communicating information back and forth to the appropriate department. I 've had to pay out of pocket to obtain an updated credit report to fax over in order to begin the dispute process - otherwise face a hard pull inquiry on my report by Pentagon Federal Credit Union.
|
| 09/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Servicemember |
|
I believe that Pentagon Federal Credit Union is in violation of USC 1026.53 in how they apply payments in excess of the minimum and in the last 2 months of a promotional balance transfer. They are saying that 1026.36 doesn't apply when the clear language of 1023.56 shows that it does apply. Specifically 1023.56 B1i states that when Accounts with balances subject to deferred interest or similar program are used, then " The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section ; or ''.
Pentagon Federal is saying this rule does not apply to 0 % interest balance transfers and are refusing to apply the payment to the transfer that ends on XX/XX/2021 and are, instead, applying them as percentages of the 3 transfer amounts. This is making it IMPOSSIBLE for me to pay off the XX/XX/2021 balance transfer before it starts accruing interest.
They only tell me their " lawyers '' say they are doing it correctly and will never address my specific question related to 1023.56 above.
|
| 09/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Refinanced a 2nd home loan for {>= $1,000,000} - 4 individuals on the loan but only the first 2 individuals are listed on the refinanced loan.
The loan servicing was then transferred to Pentagon Federal Credit Union.
I am listed on the loan and I am the designated person to handle the payments. However, I can not obtain the monthly mortgage statements.
XX/XX/2021 - initial call to PenFed- they identified that I was on the loan and placed an internal request to have all 4 individuals ( including myself ) linked on the account so that I would receive mortgage statements. Was told 5-7 business days.
XX/XX/2021 - 2nd phone call and told request was still pending and that they could not do anything else about it.
XX/XX/2021 - 3rd phone call and told yet again that the request was still pending with no timeline to completion. Immediately after I sent an email to PenFed ( with cc to XXXX XXXX XXXX ) requesting timely completion so that I can obtain the monthly mortgage statements. Despite my online access to PenFed, the loan information is still not linked to my account and I can not even confirm that the loan payments are arriving correctly. I believe one of the parties on the loan may be receiving statements but he lives 20 miles away.
Today, XX/XX/XXXX, XXXX checked online and still no linkage to the loan information. I have not received any response from PenFed to my email.
|
| 01/18/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
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1. We informed PenFed Credit Unin on XX/XX/2024 that all credit and or debit card charges made on XX/XX/XXXX and XX/XX/2024 were not made by us and were fraudulent charges.
2. All monies taken out of our checking and or savings accounts on XX/XX/XXXX and XX/XX/2024 were not made by us and were fraudulent.
3. PenFed Credit Unin informed us of the following charges all of which were fraudulent : Date of charges on XXXX XXXX : Amount {$500.00}, time XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ), Amount {$500.00}, time XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX, NY ) ; Amount {$4900.00} time XXXX, ( address XXXX XXXX XXXX XXXX XXXX, NY ; Amount {$540.00}, time XXXX, ( address XXXX XXXX NY. ; Amount {$2400.00}, time XXXX, ( address XXXX XXXX XXXX XXXX ) ; Amount {$3700.00}, time XXXX, ( address XXXX XXXX XXXX XXXX XXXX NY .
Date of charges on XX/XX/2024 : Amount {$500.00}, time XXXX, ( address XXXX XXXX XXXX XXXX XXXX XXXX NY ) ; Amount {$1200.00}, time 9:20AM.
We request that all monies taken out of our savings and checking accounts be restored by PenFedCredit Union as soon as possible.
We request that all fraudulent charges be removed from our credit cards or debit card.
Please note my wife and I have never had or used a debit card.
PenFed Credit Unin has blocked our accounts so we are not aware of any additional charges that may have been fraudulently made.
|
| 03/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
I was approved for a personal loan with a cosigner. During the verification process I and my cosigner uploaded our social security cards, driver 's licenses, voters registrations, military identification, utilities bills with cosigner address that on credit report, incomes, and my phone bill with straight talk which is the only current utility bill I owe on. Pedfed still will not give us the loans and repeatedly requested that I uploaded my social card and identifications that I already uploaded several times. I feel I'm being stonewalled around by Pedfed because they're denying us the loans by repeatedly asking for information that we already uploaded or information Pedfed know we can't produce. For example, Pedfed asked my cosigner my fiancee to upload an utility bill from my prior address that belong to my parents and she not ever live there. My parents address is the address I lived before my fiancee and I moved in together. I called Pedfed and explained this to a bank manager and got no results. I feel I'm being discriminated against by Pedfed using the verification process to deny me a loan by requesting information I sent Pedfed multiple times or information Pedfed know I can not produce because it doesn't exists like asking fiancee for a utility bill from my parents address when she sent them a utility bill that matches up with the same address on her credit report.
|
| 11/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I entered a consumer credit transaction in good faith on XX/XX/2021 and extended my credit via credit application online providing my Social security Credit card number issued by the Social Security Administration offices. After the transaction took place, a receipt of the transaction ( inquiry ) appeared on my consumer report that showed a transaction indeed took place. Penfed, in return, furnish an adverse action via pdf which is attached. I was denied even after extending my credit to Penfed Credit Union, which is my federal right under the Truth in Lending Act. PenFed Credit Union benefited from this transaction by receiving consideration or compensation for that transaction and I did not receive any benefit. Penfed is also in direct violation of 15 U.S.C 1961a ( 3 ) under the Equal Credit Opportunity Act because it doesn't mention I could be denied for extending creditor or even having to have a certain credit " score. '' It only mentions that I could be denied for insurance or employment. I, as an applicant, was in good faith exercising my right under the Consumer Protection Act and did NOT benefit from the transaction that took place.
Application # XXXX If this issue is not resolved, I will have no there choice to seek litigation, file a complaint the NCUA and/or my Attorney General for the several violation of my federal rights as a federal protected consumer.
|
| 07/15/2021 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Pentagon Federal Credit Union has failed to pay my homeowners insurance and my insurance coverage was canceled.
I called Pentagon Federal Credit Union on XX/XX/2021 at XXXX and spoke to XXXX XXXX He said he submitted a " research '' on this but I never heard back about any results. I called back that same day at XXXX and spoke to XXXX who transferred me to XXXX XXXX XXXX She confirmed that XXXX sent the insurance payment to the wrong address. XXXX said that Pentagon Federal would pay the insurance bill and would be reimbursed by XXXX XXXX.
XX/XX/2021 I received a cancellation notice from my homeowners insurance company, XXXX, because Pentagon Federal still didn't pay them. I called into XXXX to reinstate the insurance and paid the {$1100.00} bill myself.
XX/XX/2021 at XXXX I called into Pentagon Federal Credit Union and notified them that the insurance bill had not been paid and my insurance had been canceled. I also notified them that they have the date for my property taxes wrong and that payment will be a month late as well. I told them I paid the insurance bill and expect reimbursement.
The property tax bill is due XX/XX/2021 - in approximately 2 weeks and they don't have it scheduled to be paid until XX/XX/2021.
I called in again at XXXX and spoke to XXXX XXXX She said no supervisor is available and that I should be getting a call back within 24 hours.
|
| 01/26/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I got the car in XX/XX/XXXX I was working and was my first car purchase, I lost my job but I kept my payments until I couldn't anymore, I got XXXX and I lost a Family member due to ( COVID ) I started having financial difficulties so I sent to PENFED Credit Union who financed my car the hardship letter for the first time, also I had to ask for Financial help from some organizations to make some payments, fortunately I found a job on XX/XX/XXXX but again I lost that job.
I maintained communication with PENFED members to let them know about my situation, I never hide, not refuse to pay, I am not a " delinquent " person.
On XXXX XXXX XXXX I had a job accident that kept me unable to work, unfortunately the school refused to pay me so I found myself in need to seek legal help, my case was under worker compensation and I was unable to work for several months, I was in therapy and under medical treatment, I called to PENFED to explain what happened and As soon I had the medical report and the documents from my lawyer I sent to the bank so they knew well about my Financial situation because I kept the communication with them, I didn't know that my case will take so long, thank God settlement was resolved on XXXX the XXXX XXXX but I was unable to make any transactions after I deposited the check until XXXX the XXXX, and the car was repossessed on XXXX night the XXXX XXXX
|
| 06/12/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am currently in a Chapter XXXX and whenever I am late paying my mortgage I have to pay the back payments and the Bank Attorney Fees. I have been denied loan modifications and I am consistently harassed via mailed by Pentagon Federal Credit Union and there Attorneys. I am having a hard time financially and filed chapter XXXX twice and I am working really hard to pay the back payments and need a modification and have been denied a modification twice. I think I am being treated this way because I am a minority and my house is in XXXX DC. I think its unfair that I am paying attorneys fees for the banking institution. My mortgage payment is {$1600.00} there attorney fees are {$510.00}. They have also scheduled court dates in addition to receiving payments. I really want to stay in my house and need help from the bank not be treated unfairly. Like the letter in this attachment I was late paying XXXX payment and now the Bank attorney wants an additional {$150.00} plus {$510.00} that I sent along with the mortgage payment of XXXX. I have all the documentation letters, payment receipts over the years were I have paid Pentagon Federal Credit Union Attorney Fees. I want it to stop!! For the record the house is contaminated, filled with mold, termites and water damage. I am taking all the extra money I have to repair and restore this home. I need help!!! I really need help!!!
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
On XX/XX/XXXX - I was approved for an Auto Loan with PenFed Credit Union for the purchase of a XXXX XXXX XXXX. The rate was 6.64 % @ 84 months.
On XX/XX/XXXX, Due to an issue with the vehicle, I was unable to take delivery of the XXXX. I placed an order for another XXXX, and PenFed stated I needed to reapply for a new loan with the new VIN number for the vehicle. XXXX cashed the check for old loan by mistake ; which caused a delay in being able to apply for the new loan required for the new vehicle. XXXX sent a refund check to PenFed.
On XX/XX/XXXX, PenFed received the refund check, and started processing the closure of this loan.
On XX/XX/XXXX, the payment cleared and PenFed was able to process my new loan application. The application was approved ; however the rate for the new loan was 7.29 % @ 84 months. I accepted the new loan via email with the contingency that the rate would match the old loan rate of 6.64 %- which was issued a few weeks before. The loan officer confirmed that a rate match would be processed once the loan was funded.
I have been following up for 3 weeks to confirm the rate match. I received notice today ( XX/XX/XXXX ) from PenFed that the rate match was denied. I need help in ensure that PenFed honors the original loan rate that I was approved for.
I'm attaching an email thread with the loan officer that stated all this information.
|
| 09/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e .
Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''.
A denial of my open ended consumer credit constitutes to discrimination.
Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
|
| 09/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My complaint is against PenFed Credit Union. Account # XXXX-XXXX-XXXX-xxxx, open XX/XX/2016. My Pentagon member number is : XXXX. My payment was due for XX/XX/XXXX and I made my payment on XX/XX/XXXX and immediately I called the collections department from the mentioned company and was told that it wont be reported negative, they told me not to worry and that I should be fine, mentioned a 3-day period of grace ( call should be recorded ). I also spoke with a supervisor and the supervisor and he determine that the agent made an error in telling me that negative marks were not going to be reflected. It is not my fault that the agents in the company are not well trained and misguide costumers. This is negligence, unfair business practice, I never received a late payment insertion by mail required by California Reporting Act and the list of violations can go on. I have been a loyal costumer to Penfed Credit Union, NEVER since I open the account Ive been late with them. I respectfully request through CFPB a deletion letter from Penfed Credit Union. If this doesnt happen I will have to take this case to court even though they do not appear in Secretary of StatXXXX of California having a branch in XXXX XXXX. I will find the way to sue if I have too, nobody is above the law. Im also attaching one of my bank savings account to prove it was not a money factor. Thank you!!
|
| 05/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
On approximately XXXX XX/XX/2021, a home loan refinance with cash out was initiated with Pentagon Federal Credit Union. Throughout the application and review process, I communicated that I was an XXXX XXXX service member serving overseas and that my spouse would sign closing documents via certified special home refinancing power of attorney. On several occasions documentation was requested and provided to include the special POA. Application fee was paid, refinance rate with cash out option was locked, and a home appraisal was scheduled. On XXXX XX/XX/2021, PENFED provided notification " unable to use Power of Attorney for a cash out refinance. '' Also added, " Unfortunately, this means that we can only do a refinance of the mortgage balance with NO CASH OUT, or you would have to be able to sign on your own behalf at closing. '' I thoroughly communicated that I was a XXXX XXXX serving overseas on multiple occasions to ensure this would not be an issue. PENFED misled on their availability of services from time of application and no less conducted bait and switch tactics. I don't understand how a refinance with cash out application was approved with use of POA but after approximately one month, only a refinance without the cash out option can be closed with a POA. The company states a POA can be used to refinance but not with the original conditions agreed upon.
|
| 01/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I opened a Pentagon Federal Credit Union visa credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with Pentagon Federal Credit Union. I informed Pentagon Federal Credit Union that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a Pentagon Federal Credit Union employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.
|
| 11/19/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Since PenFed have switched to their new mortgage system I have had nothing but problems. I am filing this complaint at the request of a PenFed agent as they dont have any control over these issues and are unable to assist me further. I am no longer able to make payments online so each month I have to call to make payments. I have put in 2 service tickets to get this issue fixed but as of today I still can not make online payments.
The first payment I made with an agent over the phone on XX/XX/2020 was drafted incorrectly from my XXXX XXXX account instead of my PenFed account as requested. This left my XXXX XXXX account over drawn until they returned the payment resulting in a returned payment fee.
The second payment was made on XX/XX/2020. This payment did draft out of my Pen Fed but according to the pen fed agent didnt post correctly resulting in late fees. All the agent was able to do was put in a request to have the late fees waived and have the payment reapplied correctly.
Additional concerns are : Why arent customer service agents able to make changes to mortgage accounts? Anything from making a payment to changing something on my account has to have a request made and sent to someone else.
Why does it take more than a day to make internal transfers from my PenFed account to my PenFed mortgage? Before the mew system this was an instant process.
|
| 10/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2019 at XXXX XXXX EDT I have made hotel reservation with XXXX XXXX, XXXX, XXXX for 8 nights in the amount of {$580.00}. On the same day at XXXX XXXX EDT after reading unfavorable consumer reviews I have decided to cancel this reservation. The reservation was active for only about 3 hours. On XX/XX/2019 at XXXX XXXX EDT I have sent email to this merchant requesting a refund back to my credit card. This merchant has responded to my email next day indicating for the first time ever that reservation and rates are non-refundable. At this time I have decided to file dispute claim with PenFed Credit Union, my credit card issuer and sent PenFed all supported documentation which indicates that non-refundable reservation was never disclosed to me during the reservation and cancelation process because this merchant on its website just does not disclose any cancellation policy at all.
On XX/XX/2019 my Credit Union PenFed has sent me a letter indicating that dispute claim will be closed in my favor and that credits for the disputed claim are now permanent.
On XX/XX/2019 I have received another letter from PenFed Credit Card Dispute Analyst XXXX XXXX now threatening to re-bill my account and consider the case closed.
The case has been closed already on XX/XX/2019 in my favor. To me closed means closed, permanent means permanent. Please help. Thanks very much.
|
| 06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
To whom it may concern I've opened an account with XXXX XXXX in XX/XX/XXXX and been late twice due to major XXXX in XX/XX/XXXX which took 3 months to heal and has not been late ever since. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment.
I opened a PennFed FCU Bank in XX/XX/XXXX and missed XX/XX/XXXX payment due to Major XXXX, Since then My account have been paid on time. I have sent PennFed a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment.
I opened a XXXX store card in XX/XX/XXXX and missed one payment in XX/XX/XXXX due to job layoff however, since then, my account have been in good standing. I have sent XXXX a goodwill letter asking them can this remark be removed due to my account being in good standing because it's hurting my credit and for me to get credit, please see attachment.
I opened a XXXX XXXX XXXX XXXX XXXX account in XX/XX/XXXX and never missed a payment, However my report is showing the payment was missed in XX/XX/XXXX, I have called many times and also sent letters to rectify this matter and its been 3 years later and the missed payment is still being reported.
|
| 07/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
My bank XXXX XXXX XXXX XXXX merged and became the Pentagon Federal Credit Union, where account numbers, routing numbers and other information were changed from XXXX to the Pentagon system. There were problems and errors by these entities during this merge.
Once Pentagon FCU allowed website online access, I had to call in at least 3 times to correct problems from checks and deposits. I have had direct deposits of my XXXX State pension and Social Security XXXX since XXXX into Pentagon FCU.
I recently called this week XX/XX/XXXX into the Pentagon FCU and was told during a security check, that my SS # did not match the one on file at Pentagon FCU. The XXXX did confirm my identity thru other methods. I was told to scan my documents and upload them to have the change made. I have done this more than once over the last two days with resulting incompetence at Pentagon FCU in resolving this matter.
Secondly, my call was to receive a 'detailed report ' of the 'monthly withdrawal transactions ' from my XXXX XXXX checking account involving my XXXX, XXXX, and current XXXX external payments to my 'mortgage company at XXXX XXXX '. The limited and archaic website at Pentagon FCU does not allow a ''search '' of certain transactions for specified dates, and to print this out.
These complaint are about Customer Service and Responsibility which is lacking here.
|
| 01/11/2024 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I went through a bankruptcy in XXXX. Pen fed has a private student loan which was not included in my bankruptcy discharge. However they put my account in bankruptcy after the case. I continued to make payments and was told that it was kept in house at pen fed but could be sent to collections. They enrolled me in a program that after 6 months my account would be brought current and out of bankruptcy. I provided them the court documents showing that I did not claim the loan in my case. After 9 months in the program I was informed that my loan is current but will continue to be bankrupt and I can never get it out of bankrupt status. Pen fed claims my payments were voluntary and that they did not force me to make payments. They said the program will never bring me out of bankruptcy. They will not give me any recorded conversations with their delinquency department from the last 12 months. They will also not let me speak to the bankruptcy or legal teams. I was told by a supervisor name XXXX XXXX at ext XXXX and another supervisor XXXX XXXX at ext XXXX that my account is current and bankrupt at the same time and that my account was included in bankruptcy and that my account will always be bankrupt. When I asked for an explanation and why they would continue to take all these payments and say this program would fix it. I get no response that resolves this.
|
| 12/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
In XXXX and XXXX of 2022 I made two small purchases on a Penfed credit card.
In XXXX Penfed removed my payment account from their system. Repeated attempts to add my bank account and make a payment failed.
In XXXX Penfed customer service called requesting payment. They agreed that the problem was their fault, and removed some of the late fees and interest. I made a payment that the customer service representative stated would pay my balance in full.
On XX/XX/XXXX Penfed customer service again contacted me saying that there was a balance on my account. They stated that some fees and interest had accrued on the day that I made my payment in XXXX. They again partially removed fees and interest. I made the second " final payment '' of {$24.00}. Penfed sent me a email with a letter stating that the complete balance had been paid.
In XXXX I noticed that my account showed an additional balance of {$1.00}. I called customer service and they again stated that additional fees and interest had occured on the same debt that I had paid off, in full, twice. They are refusing to remove the latest balance, or close my account without the balance being paid.
The original charges were for approximately {$15.00}. At this point I have paid them well over the principal amount, and they continue charging me for a debt that I have attempted to pay in full twice.
|
| 10/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2021 I applied for the most recent credit card offer advertised by the credit union of which I have been a member for years. I have other credit cards from this credit union that I have always paid timely as agreed. I usually pay off the balance of charges I have made on the credit cards so as to avoid interest charges.
Since I joined the credit union years ago, my debt to income ratio has improved to it now being the best it has been. Also, my after-tax income is the highest it has been since I joined the credit union .
Despite all of the reasons that a member would reasonably expect to have been approved for the most recent credit card offer the credit union advertised to its members, my application was denied on XX/XX/2021. The reason the credit union stated for having denied my application is because that I presently have maximum open-end credit.
I wrote the credit union asking for the underwriting department to reconsider. I submitted a counteroffer requesting the credit union reduce my line of credit by {$5000.00}, or in the alternative reduce the maximum credit limit on one of the other credit cards I have from this credit union by {$5000.00} and then send me the new credit card per its most recent offer with a credit limit of {$5000.00}.
The credit union has not responded to my request for reconsideration and my counteroffer.
|
| 07/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Working with Senior Mortgage Processor XXXX XXXX with PenFed FCU has been a nightmare to get a mortgage on a home in Texas. She did not communicate well at all, and actually was unresponsive to e-mails for more than 10 days, a complete failure in such sensitive processes as a mortgage application and executing a closing schedule. For more than a third of the window in which I should have been able to communicate my questions and concerns, PenFed 's representative was unavailable.
The scheduled closing date for the home/loan is Monday, XXXX XXXX. Within just a few days of closing, XXXX began to communicate about problems she was having and additional documents that were required. All of the documents requested in the beginning of the loan application process were provided within 3 days of the request, and now ( Friday, XXXX XXXX, more than 20 days later ) there may be documents required at XXXX on a Friday for my closing the next Monday. This unfortunate use of XXXX 's time may result in a delayed closing on my home.
From the questions being posed to the title company by XXXX, it does not appear she has a clear understanding of Texas real estate sales, to include the way property taxes are done in Texas. I would caution anyone who gets a mortgage application assigned to XXXX to quickly speak with a supervisor to request your processor be changed.
|
| 02/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
On XXXX, I called Penfed Federal Credit Union to activate my Cash Rewards Credit card that I had received in the mail, but had not used as of yet. I am XXXX XXXX military XXXX overseas.
After trying to navigate their automated menu twice and getting routed to their main menu each time, I tried to get a live agent on the phone.
After a 25 minute wait, I got an individual who kept me on hold but was an interlocutor with another department trying to get the card activated. After six more minutes and not acknowledging at all the excessive wait for a simple procedure such as activating a card, I was told that I had to call in with my number on file to activate the card.
I explained again that since I was overseas and can not use my phone to make calls, but only to receive texts, and that I can only use an app such as XXXX or general phone service to call in, I couldn't do as he had asked. He simply said the agent he was speaking with couldn't fix my problem. I kept trying to tell him my situation and he simply steamrolled me not letting me finish my explanation.
He then abruptly hung up. After such an experience with such a so-called 'military friendly ' bank, I have no recourse but to file with CFPB to report grossly abysmal customer service given the treatment and circumstances I faced trying to complete a simple task such as activating a card.
|
| 04/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
Older American |
|
Today XX/XX/21 was the last day I spoke with Pen Fed about a lost reverse payment amount of {$7200.00} and after speaking with XXXX XXXX. XXXX XXXX they said Pen Fed needs to do an investigation of the lost check with XXXX XXXX and then XXXX XXXX would look into this matter. Then I called PenFed who said their Bank XXXX XXXX said I needed to tell XXXX XXXX to initiate sending documents about what they did with the reverse check. XXXX XXXX said PenFed needed to do this and PenFed said it was against their policy to do anything. I called XXXX XXXX back and after being placed on hold my phone was disconnected. I got the impression XXXX XXXX didn't want to help and just disconnected my phone from them. Both companies to me are really incompetent and don't know how to help their customers. I have been calling PenFed credit union and XXXX XXXX to no avail for XXXX weeks. Personally I believe both companies are incompetent. I really need help in getting PenFed to credit my {$7200.00} back. Both of these companies are just giving me the run around. Also, Pen Fed is not even giving me credit for this mistake and I have a {$5900.00} negative balance and they reported that I was overlimit to XXXX I want to make sure that PenFed does not impose any fees for this problem and they correct my credit report. Thanks for any assistance you can give me. XXXX XXXX
|
| 09/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I recently received an SBA LOAN which was deposited in my checking account. Shortly after the deposit, I received an email stating that my personal checking account could not be used for business. The electronic disclosure stated I had 60 days to transfer my funds out of my account. Two days after I received this electronic disclosure my checking account was frozen. I was unable to access my account so I contacted their customer service number so as to find out what was going on. Upon contacting Customer Service I was told that they need information to confirm that I was the intended recipient of the loan so they requested a copy of my SBA Loan Agreement, EIN Letter from the IRS, Driver License, Utility Bill, and Social Security Card. I provided a copy of everything requested only to be told that my social security number could not be verified nor my loan. I asked what was needed and they requested the same items I submitted last Wednesday. Today 7 days later I submitted the same documentation and I was told by XXXX in their security department he saw multiple social security numbers to which I stated I only had one the one which I provided. He stated he would need to call some of the former secret service agents which he knows so they can reach out to some people in XXXX. This is the most discriminatory process I have ever been involved with.
|
| 03/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I was pre-approved with PenFed Credit Union for an auto loan ( $ XXXX, 72-month term ) at 2.99 %. I was purchasing a used vehicle private party. XXXX sent me a 2-party check to complete the vehicle purchase and fund the loan. I was contributing my own money on top of the loan to purchase the vehicle.
To complete the transaction I gave the seller both the $ XXXX PenFed Check and a $ XXXX cashiers check from my own bank account ( total of $ XXXX ). Days later ( after Id paid {$2000.00} to ship the car ) PenFed called me and said ( a ) the rate would actually be 3.99 % because it was a used vehicle ( 2020 model year ) and ( b ) that they would not fund the check they had given me because it was a private party purchase of a vehicle that had a lien on it with the seller ( that they were paying off with the sale funds to give me a clear title ).
None of the was explicitly disclosed to me up front, and put me in an enormously bad position of having paid partially $ XXXX for a car and $ XXXX for shipping and had the loan yanked out from under me. I ended up drawing from my saving to pay for the full purchase price with my own funds to salvage the deal. I felt bait an switched and the PenFed was all to eager to give me an approval and check up front and decide later if they would actually choose to make good on their promise, and it screwed me.
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The company has ignored the salient aspects of the claim. Regarding account figures the credit card numbers issued were incorrectly referenced in confirmation emails in my possession, independent of any fraud claim. New information has come to light when I looked further into PenFed 's management of their brand, web portals and cybersecurity practices. Upon further investigation, the scraping of my personal data carries those same credit card numbers " issued in error '' by PFCU 's admission. Those redundant email communications and portal web viewed were spoofed as part of the ongoing fraud in operation since April of 2022 '. The failure of PenFed to manage their customer facing portals and allowing personal credit card numbers to be scraped is the main driver of the causation here. See https : XXXX I suggest that this be escalated from typical collection reporting due to the circumstances. I will make a complaint in court together with damages if the credit reporting issue is not rectified. I will not take responsibility for the mismanagement of my information. The response is wonderfully data driven, but does not address the causation. The contact information on my account may very well be incorrect as well, as I have not received any communications. When were these last changed? how was this done? I am locked out of my PenFed portal.
|
| 11/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
XXXX XXXX XXXX which is a XXXX party company XXXX ( stole ) my vehicle on XX/XX/2023. I was not given proper notice from the original creditor, PenFed Credit Union which a complaint will be filed against them as well. I did not receive a letter from PenFed the original creditor until on or about XX/XX/2033 and it is dated as mailed out XX/XX/2023, however my vehicle was repossessed ( stolen ) on XX/XX/2023. PenFed Credit Union gave XXXX XXXX XXXX which is a XXXX party company all of my personal information without my permission or authorization. I never entered into any contracts or agreement with XXXX XXXX XXXX so PenFed provided my personal information to this company which is a violation. I did not give them permission or authorization to use my information ( name, address ect ), nor did I give them permission to take my vehicle.
There are things PenFed never disclosed to me in my original contract including they did not give me notice of my right to recission, they are reporting late payments on credit report and using unfair practices. Penfed failed disclose many things to me which are outlined in the letter that was mailed to PENFED on XX/XX/2023. They are threatening to sale my vehicle on XX/XX/2023 without giving me time to respond or dispute and failure to give me any notification prior to illegally stealing my vehicle.
I
|
| 05/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Applied for a penfed credit card on XX/XX/XXXXXXXX XXXX Clearly Penfed discriminates against XXXX citizens as I was denied with very good credit and a very very low use of my available credit. Here are the Facts : Have a XXXX credit score Only using 14 % of my available credit No negative marks My income is {$6500.00} monthly My monthly bills are {$1000.00} Yet incredibly I was denied. The reasons Penfed provide make zero sense and here they are : 1. Length of time accounts have been established : My oldest account is 2 yrs 2 months 2. Ratio of balance to limit on bank revolving accounts. Mine is only 14 % 3. Proportion of loan balances to loan amounts - I have one loan of only {$9000.00} from XXXX XXXX. Too many accounts with balances What the XXXX are they talking about..
Any person can see these are not the actual reasons Penfed denied me. Penfed simply provided a standard list of reasons to brush me off. What I would like to know is how my ( XXXX girlfriend ) who is in college has zero credit history besides a couple cards shes an authorized user on and received a {$1500.00} line of credit or her XXXX XXXX who has a credit score of XXXX a couple negative marks, using 34 % of her available credit received a card in XXXX with a {$4000.00} line of credit.
I am including my XXXX credit report which is the same report Penfed used
|
| 10/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have an XXXX XXXX checking account along with other types of accounts with PenFed Credit Union. There was a purchase of {$19.00} from a bakery that was supposed to be charged into my credit card account but ended up in being charged into my checking account by mistake. In the checking account, I always maintain a balance of {$500.00} to ensure the account in a good standing and never intend to use that fund for purchases. The bakery purchase lowered the balance of the checking account below {$500.00} threshold for a few days until I noticed the issue during a routine mobile app check. Then, I transferred the money from my saving account to my checking account to ensure the balance is restored back to be above {$500.00}. The transfer was made in the same billing cycle. The average daily balance didn't fall below {$500.00}. However, at the end of the billing cycle, that was a service fee of {$10.00} was charged into my account without any warnings. There is no feature of any sorts to alarm the users of the balance below a random limit that would trigger this fee. I contacted the customer service twice to explain the situation and asked them to reverse the fee given that was a mistake and I did correct the issue as soon as I noticed. However, the customer agents said this fee was applied by the computer and they couldn't reverse it.
|
| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
|
| 10/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
In XX/XX/2020, I was shopping for interest rates on a used vehicle loan. In doing so, I submitted an automotive loan application to Pentagon Federal Credit Union XXXX PenFed XXXX, among several other financial institutions. Other than a loan application, I did not execute, nor intend to execute, other loan documents, including a promissory note, with PenFed. Subsequent to the loan application being submitted and approved, and without executing other legally enforceable loan documents, PenFed added the auto loan to my PenFed account and began enforcing the loan without authorization to do so. While enforcing the unauthorized loan, PenFed began drafting the monthly principal and interest payments from my checking account through an unrelated third-party financial institution, which was included on my account to service my PenFed mortgage note. In addition, PenFed incorrectly reported the unauthorized auto loan to the credit reporting agencies, which adversely affected my credit score and ability to obtain credit.
I am highly concerned that PenFed is recognizing unauthorized loans ( and loans in which PenFed does not have an enforceable right to collect on ) in their credit lending portfolio and thereby adding unauthorized loans to consumers accounts and credit reports without their knowledge after a consumer applies for a loan.
|
| 03/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I purchased my leased XXXX XXXX XXXX and used PenFed Credit Union for loan which was closed on XX/XX/XXXX.
I am paying monthly payments of {$730.00} with no late payments.
I received the notice ( scanned below ) from PenFed on XX/XX/XXXX that my payment has been increased to {$1800.00} from XX/XX/XXXX as I failed to provide the XXXX for the collateral. There was threatening language that if I did not increase my payments it will become delinquent and my payroll office will be contacted.
I contacted the PenFed on XX/XX/XXXX and was asked to mail the original title ASAP so this can be reviewed and was granted a 30 day reprieve.
Further research with Michigan Sec. of State indicated that Michigan is one of the few states ( for used Auto loans ) where XXXX stays with the owner. I contacted them again and they agreed to receive a copy which I mailed by USPSCertified mail on XX/XX/XXXX.
I had the title since XX/XX/XXXX and Pentagon Federal Credit Union was listed as XXXX XXXX XXXX. I never received any communication from the Bank that I need to send them the title until this loan surprise notice with a massive increase my payments and threat of contacting the payroll Dept.
Cust. service agents I spoke with were courteous and informed me that usually three notices are issued via mail and did not find records of first two.
|
| 08/25/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
XX/XX/2023 This issue involves the handling of our account, escrows and unfair and capricious amounts of monthly payments. PenFed Credit Union has raised our monthly payment due to the following : 1. Paying taxes XX/XX/XXXX which were due on XX/XX/XXXX and stating that they were in default. ( They paid taxes in XX/XX/XXXX for XX/XX/XXXX taxes of {$3000.00} ). 2. Changing our monthly payment of interest only from {$1400.00} to {$3000.00} due to the addition of escrow. 3. Telling us as customers that if we don't pay the full {$3000.00} then we will be in default and that it will be deemed a partial payment. The loan amount is {$160000.00}. 4. Putting on a forced placed insurance when we already have insurance in tact. Their rationale is that if you were months behind on your property taxes, that they will automatically start escrowing for insurance as well. It doesn't matter to them that you already have insurance. 5. Making errors as it relates to mortgage escrowing. The company returned {$1700.00} due to overcharging. 6. Escrow payments should be spread over several months. 7. PenFed is not considering the increase in payments from {$1400.00} to {$3000.00}. 8. PenFed is attempting to hurt our credit by claiming partial payment of {$2100.00} on a {$160000.00} loan. They are seeking {$3000.00} for the month of XX/XX/.
|
| 04/29/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Hi, my cousin as a Legal XXXX entered into an agreement with a Creditor on a Refinance Loan specifically a 'Retail Installment Contract '' with a Creditor being PENFED CREDIT UNION, after she was forced by duress being an " XXXX '' into a Fraudulent Contract of her owing nearly {$30000.00} after she traded in her XXXX to XXXX . My cousin entered into an unintelligible social contract as an XXXX and unknowingly was deceived into signing an agreement in violation of her 14th Amendment Constitutional Right, and was deprived of her XXXX by Fraudulent Misconduct by the Creditor herein. I've also as my cousin 's delegated Power of Attorney have been denied the right to act as her Power of Attorney after having submitted to the Creditor herein IRS ( Representative Power of Attorney ) Tax forms. My cousin has been denied the privilege to ( A4V ) Accept for Value - Exempt from Levy - the Uniform Commercial Code process to discharge this debt with the Creditor herein. She has been denied the privilege ( s ) to Power of Attorney, and ( UCC ), by the denial of the Creditor herein un-acknowledging the debt cancellation process of her ( A4V ) the loan amount, and an unintelligible, illegal, and fraudulent contract with an " XXXX ''. Finally, the Creditor has destroyed my cousin 's line of credit, and has denied her hardship relief.
|
| 07/17/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
First Complaint filed XXXX - XXXX -2017. This is the second complaint filed because the bank lied in their rebuttal letter. I received a letter from Pentagon Federal Credit Union dated XXXX XXXX , 2017, hardship letter and another letter them charging me another attorney fee for being late. This Banking institution denied two home modifications and I have paid an enormous amount of money in attorney fees to their banking institution. In addition, to my mortgage payment that I am struggling to pay and my current payment arrears my home flooded on XXXX - XXXX -2017 see pictures enclosed. Pentagon Federal Credit Union sent a modification application and a denial letter included inside of the application before I even had the chance to complete the forms. I have enclosed the hardship withdrawal letter that pentagon federal sent and the denial letter so this will be there third denial for a loan modification. This institution even has people coming to my house to see if I want to sale the property all hours of the night. There is a number listed on Pentagon Federal Credit Union to call XXXX XXXX at XXXX and I have called 27 times since receiving this letter and no response. I feel unsafe to stay in the house because I feel that someone at this bank has it in for me and really want this house Please Help!!
|
| 12/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Thursday XX/XX/23 me and my husband XXXX XXXX XXXX deposit an {$4500.00} check from his XXXX account XXXX XXXX XXXX XXXX into our PenFed account. We did know that it will take about 5 business days for us to received our funds from the deposit. We already had funds in the account from both of our paycheck. Once we deposit the check it did give us an amount of {$3000.00} plus funds from our paycheck. A rep called me on Friday XXXX XXXX XXXX to verify to make sure that my husband was on the account and not deposit in an individual account. Rep stated to verify my husband name and I did. Then the rep apology saying that he was sorry for calling me, because he do see my husband on the joint account. First of all when PenFed pulled up the account, they should have saw my husband name on the account along with mines. When I checked the account after the rep hung up with me. The balance was XXXX XXXX. After XXXX, I notice that our account was an negative XXXX XXXXXXXX. Which the account should have not been negative. I'm really upset with PenFed, because we have deposit an check before from XXXX XXXX in the amount of $ XXXX from his XXXX and we never had a problem. So, now we don't have any money for XXXX to spend on our family. After our account is cleared with PenFed we will be moving our membership to another bank.
|
| 05/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
Account at Penfed Credit Union.Unauthorized transfers to external accounts that do not exist in my accounts, .5 transfers of {$2500.00}, Total $ XXXX XX/XX/2022 I noticed a transfer of {$2500.00} to " XXXX ''. I immediately called Penfed to inform them this was not done by me, and no such bank is linked to the external accounts that I have provided them with.I provided them with the name of one bank, including routing number, and account number, that I authorize and link to my account.After being informed this was not authorized and does not exist in my list of external accounts, they allowed 4 additional {$2500.00} external transfer 's to XXXX XXXX Bank. Occurring XXXX XXXX, and 5.Total {$10000.00}. All this after being informed of unauthorized transaction in my checking account. In addition, a loan for {$19000.00} was applied for in my name, it was listed in my saving 's account, and it looks like it was actually approved.Since I have not been asked to pay, nor do I have any paper work on this loan I assume Penfed put a stop to the loan application.Since all this happened, after a month Penfed has only restored {$2500.00} to my account.My account is still short XXXX XXXX.This is entirely their fault, I feel it is totally unfair that after this much time, The missing fund 's have not been restored. Please Help.
|
| 07/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I had a joint account with pentagon credit union with my wife in 2018 we divorced, sold our home, and paid all of our credit cards off I wanted to close the account out but pentagon assured me i could just be removed from the account. we talked and i asked for an email with evidence of it to make sure.
i was sent an email the day of my removal with a balance showing i did talk to them, i also was removed from most parts of it but they missed one thing.
later on i noticed it on my credit report, i called many times, they said they couldnt find any link of it so i submitted for it to be removed from XXXX twice but they Pentagon then would say i am part of it.
my ex died recently and then i get a call from pentagon saying im on the hook for it, I have called many times since and keep running into issues.
the second before the last time i called, a lady finally found me linked to the account but her supervisor told me tough luck even though i explained the chain of events.
the last time i called they wouldnt talk to me till i submitted my id cause they couldnt verify my date of birth when i called.
this is stressful and i feel powerless to do anything outside of spending a ton of money to prove this isnt fair so my credit score isnt killed completely cause they are dinging me for late payments since her death.
|
| 08/07/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
We submitted an application with PENFED to refi under a VA Interest Rate Reduction Loan. The loan officer asked us our goal and we told him shorter term, and lower rate. Within a few days, he comes back and says please " great news your guys qualify for the lower rate of 2.75 but they wanted us to refi for a longer term. When I questioned the term, he put it on the VA and said they would not approve a shorter term if the refi resulted in a higher monthly PI. Therefore, I contacted the VA and was informed that was not the case. The VA loan specialist informed us that we could in fact lower our terms but lenders do not want too because they can not charge the veterans any fee 's. I went back several times and informed the lender but they kept pushing for a 30-year term, which would benefit them tremendously. Unscrupulous business practices like this should not be tolerated. They are trying to force veterans into longer terms, which lead to more money for the lender. Once I provided him with the VA circular, which governs how lenders handle VA IRRRLs he finally, fessed up to not being able to refi because they can not charge us some of the associated fee. Bad business practices and there is no telling how many veterans get taking advantage of. I am a XXXX veteran who served my country proudly for over 28 years.
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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|
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PENTAGON FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was alerted by my identify theft alert program, XXXX XXXX XXXX that a Pentagon Federal Credit Union ( " PenFed '' ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX associated with the account. I have never done any business with PenFed, I never authorized anyone to take out a loan in my name, and I have never been to XXXX I contacted PenFed after receiving that notification, told them it was fraudulent, and was given a PenFed XXXX Fraud Reference Number of XXXX. The PenFed rep said they would mail me an affidavit to submit to PenFed to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called PenFed again about a month or two later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that PenFed reported this account as delinquent and it negatively affected my credit score by XXXX points. PenFed has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with PenFed and that it was fraudulent.
|
| 06/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I am a member of this bank with member number XXXX ... My account was frozen for the past 4 weeks ... I was asked to submit verification documents which I already did. Whoever is in charge has been making it his personal mission to frustrate me. I do believe that this is a deliberate attempt to make me suffer. I have money for my business and bills in the account. I submitted all original documents I was asked for but it seems i am being pushed around and taken for granted. I don't have my SSN card which isn't unusual for some Americans. I have provided a picture of my Driver 's license, passport, W2, form 1040, Electricity bill, IRS tax notice. I have all physical proof of this documents and is willing to do a video call to show whoever is in charge to unfreeze my account. I need my money and its a matter of life and XXXX for me.. I believe someone might see this and definitely help me out. My unemployment benefits are deposited into the account along with direct deposit transfer from my VA debit card.. If they won't let me use my account anymore with PenFed, I should be able to get my balance through a check and have the account closed down. I have not done anything wrong while being a member.
This is a plea from a lonely old woman who don't want to become homeless because someone wants to play XXXX
|
| 02/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This is another follow-up to previous complaints already submitted against Pentagon FCU ( Ref # XXXX and # XXXX XXXX.
On XX/XX/XXXX, we received a letter from the Credit Dispute department, claiming that PenFed performs hard credit pulls on all joint owners to remain compliant with the USA PATRIOT Act. The letter does not explain why such a pull was not required for me, a white male, but was required for my wife, a non-white female nor does it explain why a soft credit pull is insufficient to verify the identity of joint owners, whereas it was sufficient to verify my identity as the primary owner. PenFeds feeble explanation for their action in no way justifies the clearly discriminatory and targeted manner in which they choose to attempt to remain compliant with Federal regulations.
From this, we can only conclude that PenFed is doubling down on their previous discriminatory and targeted actions against protected classes ( race, gender, and country of origin ) and the relying on fraudulent explanations to cover up their discriminatory actions based on race, gender, and country of origin. They have now closed this issue without corrective action, despite having acknowledged their wrongdoing on record on multiple occasions and having previously stated that they would correct this error on their part.
|
| 01/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
Downloaded my XXXX XXXX statement with a Purchase Balance of {$3300.00} and a Special Rate balance of {$7700.00}. Payment due date : XX/XX/2022.
I arranged for a payment of {$5000.00} to be applied on the due date.
Downloaded my XXXX XXXX statement which showed the {$5000.00} payment in the transaction section. The XXXX Purchase Balance was listed as {$2400.00} and the Special Rate balance as {$7500.00} I expected my {$5000.00} to be first applied to my XXXX Purchase balance ( XXXX ) and the extra amount ( {$1600.00} ) to my Special Rate balance.
Instead PenFed VISA applied my {$5000.00} as follows : XXXX Balance ( {$3300.00} as expected ) and applied {$1400.00} to new purchases made in XXXX and {$200.00} to my Special Rate. This method of payment application means that I am also paying for charges in the new cycle and does not offer me any grace period to pay for new charges. It also means I can not rely on the statement balance when arranging for payment.
Since my Purchase balances are paid in full, their method of applying payments will result in my having a high balance in my Special Rate account when the promo ends in XX/XX/2022- which will then be triggering finance charges unless paid off completely.
So much for a Special Promo. Note that this was NOT a balance transfer or a XXXX XXXX
|
| 07/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
Dear, Im XXXX XXXX vet, on XXXX XXXX I purchased {$220.00} groceries of {$67.00} of sea food unfortunately they were expired on XX/XX/XXXX, the Tag shows sell by XXXX XX/XX/XXXX, on XX/XX/XXXX, i called the merchant XXXX XXXX XXXX XXXX and explained the situation I was told to bring the receipt and tag for refund also I told them I live 34 miles away and usually I shop once a month they said no problem we are very sorry and they will remove other expired sea food on shelves on XXXX XXXX I went there to get refund and shop but other manager stated no refund we dont refund after driving additional 68 miles, so I called XXXX Again he said if I FILE DISPUTE I will get my money back, So i filled dispute with PenFed about the charge {$220.00} a week later PenFed denied It without sending it to the merchant and no reason given so I called Penfed on XX/XX/XXXX spoke with XXXX XXXX she said they are so busy thats why they denied it but i will send an email to them to reopened and on XX/XX/XXXX after calling I was told my Dispute is not going to open but send email to card service maybe they reopened and get your money back, this is unethical and wrong since the merger PenFed service are in declined the dispute processes are different and not logical if they send my dispute I will get my money back.
Thanks
|
| 06/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
I have used a " platinum rewards '' credit card ( Visa ) from Penfed Credit Union for 15 to 20 years ; its reward program has been based on points earned on purchases with credits based upon type of merchant 's business, i.e. 3 % of groceries, 5 % of gasoline, 1 % of all other purchases. Receipt of rewards in the form of prepaid debit cards had been obtained usually with a telly call to an XXXX number. Lately the telly # has been removed from the monthly statements sent to me and can now be accessed only by calling the general access customer service line and only after going through an elaborate security scheme will the telly # to the awards department be offered XXXX XXXX XXXX XXXX ). The last 2 times I called XXXX the 1st about 4 weeks ago, the latest XXXX XX/XX/2012 ) I was told that the personnel in the awards dept. were busy and would return my call " the next business day '' or " in 3 hours. '' No return call was received in either case. I believe my total points earned is over 11,000 and should be worth about {$100.00}. If Penfed has changed policies re their awards program no notice of any kind re such changes were ever sent me. My account has always been paid timely. I request that the CFPB investigate this matter and see that Penfed Credit Union honors its reward program as advertised.
|
| 02/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I filed an application for a mortgage refinance with Pentagon Federal credit Union, XXXX Virginia, ( dba : penfed.org ) in XXXX of XXXX. Have is applying all the required documents and completing the appraisal process I was told in XXXX that my refinance application would go underwriting and I would hear back from him shortly as to the closing date. Since XXXX, I have repeatedly e-mailed the messages requesting status of my loan and as of XX/XX/XXXX I have yet to have anyone respond to me including the mortgage processors.
I have been sending the following e-mail message : " Can someone please tell me -- WHAT IS THE STATUS OF MY LOANLoan # XXXX? '' Additionally, I have tried to contact them by phone on numerous occasions into a convoluted prompting system I am continued referred back to a third-party member services is of no help or assistance in this matter whatsoever which only aggravates the frustration.
Therefore, I am seeking your assistance in having this member organization simply provide me with a response regarding the status of my loan application. Otherwise, I will have to start a new refinance mortgage with a more reputable and response financial institution, thus losing all the money that I currently invested in this application.
XXXX XXXX, Memberof Pentagon Federal Credit Union
|
| 08/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Company denied me for a checking account based on credit score.
XX/XX/2022 XXXX XXXX XXXX c/o XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX : DISPUTE/CLIENT RESOLUTION XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX XXXX was denied an extension of credit by PENFED. On XX/XX/2022, I applied for a Free Checking Account.
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). PENFED has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022, is both proof and evidence that I have been discriminated against, you are also criminally liable. PENFED CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
BEST, XXXX XXXX, XXXX.
Without prejudice, all natural inalienable rights reserved.
|
| 01/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I got a consolidation loan from PenFed back in XX/XX/XXXX. I missed quite a few payments on this loan but applied for a hardship application and had my missed payments bumped to the end of the loan. In XXXX I went with a Debt Consolidation company to pay off my debts. I was told that once I went with this company I can no longer make payments straight to Penfed and that those payments would have to come from the company and my previous agreement with Penfed is now terminated. I didn't stay with that company long but made an agreement with Penfed that let me keep my payments at the lower payment. Long story short I have been making {$500.00} payments since XX/XX/XXXX. My balance since XX/XX/XXXX was {$23000.00}. Today my balance is still {$23000.00}. I have missed quite a few payments during that time but for almost the last XXXX years I have made my payments on time and nothing has changed. I don't know how this is possible. When I look at my statement my payments are going to finance charges and the insurance debt protection. Which was canceled back when I went to the debt consolidation company. Some months my payments goes to just finance charges other moths it goes to finance charges and this insurance, I don't understand for the life of me how none of my payments are going to the principle.
|
| 07/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
|
| 08/30/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
My on-line bank account was breached on XXXX XX/XX/2022 ; during the breach the thieves emptied my on-line savings account of {$10000.00} and charged my on-line credit account {$11000.00}. Since that date, I have been in steady contact with my bank ( Pentagon Federal Credit Union ) concerning the breach. The bank initially responded by freezing my account. Then, after corresponding with them about the way ahead, the bank created an entirely new account for me with a new account number. This allowed me to continue to bank and use my credit card pending the conclusion of the bank 's fraud investigation into the hack. However, time has continued to pass ( almost four months ) since the incident and my savings account funds have not been restored, nor have the funds from my line of credit. I have two concerns : the first, is whether the line of credit ( which continues to show an on-line balance and past due payments ) will affect my credit rating ; and second, that my savings will be restored. I have contacted the bank between 25-30 times since the incident, repeating the story over and over ; been assured that the bank was fixing the problem and other varied explanations and as of this date, have received no relief from the problem. I will provide any additional information on demand. Thank you.
|
| 06/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XX/XX/XXXX I submitted a CFPB complaint # XXXX about Penfed regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. Penfed responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and Penfed to settle this account in full and to close this account out to a XXXX balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted Penfed and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with XXXX echoing all the above details and on XX/XX/XXXX XXXX completed their dispute with a verification of the current reporting. XXXX could not have researched the reference account and then verify the information because that is not correct. I believe XXXX did an electronic XXXX verification and did not research this in its entirety. If PenFed did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
My husband died in XX/XX/2019. He had brought a new XXXX and I had cosigned for him. When he died, I got in touch with Pentagon Federal Credit Union and sent them his death certificate and XXXX and told them I could not afford to keep the truck. They told me to sell it, I told them I needed them to take the truck back. Of course I could not sell it, I didn't know anything about that. I explained to them. I barely had enough money to bury him. Finally they asked me to submit to them all of my bills and daily expenses. I did that and I heard from them that the debt had been forgiven. Later, I saw on my credit report that there was a XXXX deficit and that it had been put on my credit as a bad debt that had been charged off account. Account balance was reported as a loss by creditor, I called the several times, because after I did everything they had asked, why were they putting it on my report. I WAS TOLD THEY HAD NOT ASKED ME TO SUBMIT ANY INFORMATION AND THEY DIDN'T KNOW WHAT I WAS TALKING ABOUT. Every since, I have been screwed. There is nothing I can say to them because they deny what they asked me to do, now I am trying to buy a house and this is on my report and if needs to be taken off my report. CALLING AND TALKING TO THEM HAS NOT WORKED. I need this cleared up and off my credit report.
|
| 11/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I was checking rates for a XXXX loan/unsecured and inadvertently applied for a loan. I checked again to see a different term length and another application was created. Therefore, I had XXXX applications with Pen Fed. I received multiple marketing calls, emails and texts regarding these XXXX applications. I created these applications on XX/XX/XXXX. On XX/XX/XXXX ; I decided to pursue XXXX of the loan applications. I was denied on application # XXXX so I tried application # XXXX and was denied. So I called Pen Fed about the denial and was told I was denied because the date of the was more than 10 days so go ahead and apply again ( attempt # XXXX ) ; I was denied right away. I called Pen Fed back again and was told it should not have been denied and it was because it was my browser that I should use chrome. Now Pen Fed can't tell me why they denied me. I suspect some type of bait and switch deal going on here. They say they " think '' its because of XXXX ratio but that is doubtful based on my income vs. debts -- -highly doubtful. My fico is XXXX and credit is excellent.
I need assistance because now I have XXXX credit denials on XXXX inquiry -- -two of those were made at the sole recommendation of Pen Fed staff. I don't trust Pen Fed to assist me. I need the assistance of your bureau.
|
| 11/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I found these two charges on my accounts and reported them to PenFed ; First of all they did not process my both of the transaction only one.
Then they made a decision via a letter without even consulting me for a rebuttal.
They will ignore me always put me into voice mail or hang up on me and make me call back and wait hours.
I provided them proof that I never signed up or authorized this XXXX XXXX membership and they still refuse to process the refunds to my account.
I was told by XXXX XXXX that this is not a dispute and I must file a fraud claim and PenFed is not doing so.
Good Morning XXXX XXXX, I am writing you about your decision declining my disputes ; {$320.00} XXXX/XXXX/2020 {$470.00} XX/XX/2020 From my understanding from others within Penfed you declined my dispute because of documentation you received from XXXX XXXX that I signed up for their XXXX XXXX membership. Not sure what documentation you were looking at however I received this from XXXX XXXX and think you would agree this has nothing to do with me nor did I authorize this charge on My Penfed card. Please reconsider your decision and let me know the outcome. If I need to dig deeper for you I will. This explains why I knew nothing about this order because it had nothing to do with me.
Thank you,
|
| 02/26/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Penfed credit union has not let me make a payments online since I have balance transferred onto my credit card. The issue is that I am not authorized to add an external account to setup autopay or make any sort of payment. I have called numerous times to figure this out and have made over the phone payments in the meantime. I have been late every month due to this issue. I take care of my elderly parents and am in the process of purchasing a home to move them in with my family. I have not been told the real reason on not being able to setup online payments through their portal until XX/XX/XXXX when I called again. I had a 5 day hold on my savings account which in turn would not let me add my checking # and routing # into their website to pay my credit payments or setup autopay. This month I was more than 30 days late due to not being able to setup auto-pay I was finally told that my credit needs to be run to remove the 5 day hold. My credit was initially run to obtain a {$5000.00} credit limit card with Penfed.
First Call XX/XX/XXXX ( Could not find the answer on why I am unable to add external account ) Second Call XX/XX/XXXX ( Could not find the answer on why I am unable to add external account ) Third Call XX/XX/XXXX. ( Finally told me why I am unable to add external account
|
| 08/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Married XX/XX/XXXX XX/XX/XXXX Legally separated from XXXX XXXXXX/XX/XXXX Final divorce and property settlement from XXXX XXXXNo financial transactions of any kind (including Pentagon Federal) since year prior to final divorce.XX/XX/XXXX Started to receive notices of pass due loan payment and attempts were made to me to collect by Pentagon Federal Credit Union for loan transactions executed by XXXX XXXX. My attempts to resolve this matter directly with PenFed telephonically and in person have been w/o success.Today I continue to produce to Pentagon Federal Credit Union final divorce papers with attached paid check to PenFed for remaining balance closeout on this account. Several times I have provided to their local bank offices (in person) copies of divorce settlement and supporting documentaton to no avail.PenFed continues to seek collections from me referencing that my name cannot be removed from an account (with loan privileges) until XXXX XXXX (Primary account holder) makes the request.I have no recollection of signing a co-signer agreement at any time nor can PenFed cannot produce anything.I have no communications to date; nor knowledge of Mr. XXXX whereabouts. I had no knowledge this account was still open and there is no activity conducted by me whatsoever.
|
| 07/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
I applied and was approved for the PenFed Pathfinder Credit Card. The benefit includes a {$100.00} per year credit when using the card for baggage fees or in flight expenses ( food, drinks etc ).
On XX/XX/XXXX, i used the card for a {$3.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX On XX/XX/XXXX, i used the card for a {$26.00} expense - transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX On XX/XX/XXXX, I used the card for a {$14.00} transaction # XXXX, {$35.00} transaction # XXXX & {$16.00} transaction # XXXX XXXX XXXX XXXX XXXX XXXX TX The total above comes out to {$94.00}. I was told i would receive the credit as soon as an eligible transaction is made. I have not received ANY of the 5 credits mention above. In fact, I WAS TOLD that i had to pay the {$15.00} minimum payment due on XX/XX/XXXX. I even was charged interest on the balance because the bank DID not credit my account as it should had been. This bank is not issuing credit on-time and taking advantage of customers by leaving the balance and earning interest when the statement closes. I made the {$15.00} dollar payment and was charge {$1.00} in interest on a balance that should had never been there.
The only credit issued so far was the XXXX XXXX of {$100.00}, and that was credited about 4 days after use.
|
| 08/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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Yes, My father banked with Pentagon Federal Credit Union. At the credit union he had several accounts XXXX money market certificate accounts, credit card and a share account. My father passed away XXXX XXXX, 2015. His estate is currently in probate and I 'm the executor of the estate. Pentagon Federal Credit Union will not close the accounts at the bank due to the fact my father had a balance on a credit card statement. Also the accounts are payable on death accounts with a beneficiary. They stated my father signed a credit card agreement stating they have the right to take money from other accounts to pay the debt. When my father passed away in XXXX the account was in good standing, it was not in default. I told them that they could place a claim against the estate and the estate would be responsible for paying the debt. I 've attached a copy of the credit card signature card and the membership disclosure. My question are listed below:1. Does the passing of an individual automatically make any debt by that individual in default? The debt in question is credit card debt.
2. Does the credit union have a right to leave an account opened after requesting that it be closed after a persons death so they can make monthly withdrawals from the account ( s ) to pay on credit card debt?
|
| 02/27/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I have a primary mortgage loan and a fixed rate home equity loan with Pentagon Federal Credit Union ( PFCU ). I pay each by allowing them to debit my checking account monthly thereby I am never late. My primary Mortgage loan is perfect and they credit my payment and additional principal monthly as they should. On my fixed home equity loan, for several months I was adding additional principal to my monthly payment, however PFCU would simply withold the additional principal and never applied it to my loan. Instead they began to move my payment due dates back.. I phoned them on 4 occasions to correct this discrepancy and even discontinued the additional principal payments since PFCU was just holding it for months and never crediting it to my account. I have asked ( most recently on XX/XX/18, that PFCU either apply the additional principal I have paid to my loan nor refund to my PFCU savings ( share account ) immediately. In addition since the time is measured in years I feel they should pay me the appropriate interest on the money they are with holding. The people at PFCU are always polite and try to be helpful but they seem grossly incompetent in investigating and resolving a consumer complaint. I am a XXXX veteran and quite frankly I am tired of dealing with them. Please help.
|
| 01/19/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Unfortunately, I was a victim of Identity Theft in XXXX. I didn't find out until mid XXXX. I had a Fraud Alert attached to my Credit File when I noticed I was a victim of Identity Theft in XX/XX/XXXX. After checking my Credit Files, I noticed I had some erroneous charges and accounts that were fraudulently added to ALL of my Credit Files. I am attaching a copy of my Identity Theft Report to validate my claim.
Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Unfortunately, my personal identifiable information was compromised and used to open 2 fraudulent credit card accounts. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report to have these 2 accounts removed from my credit file by this Creditor. There are 2 addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX XXXX ) These accounts need to be removed immediately.
|
| 09/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XXXX or XXXX I called to XXXX and asked how much do I own to the bank. I want to to pay off and closed my account. I don't think PenFed is good and honest credit card provider. Then the lady said " {$1200.00} I owned to their bank '' I said " I wanted to pay off {$1200.00} then closed my account please " I gave her debit card and routing number. the process went throught. I asked her few times ... .Please closed my account and I own " XXXX '' to the bank... She said ok. my account will be close. after I ended my called. I put XXXX card away, and never aver use again.
Yesterday XX/XX/22 I received from PENFED CREDIT CARD. I still own them {$40.00}. I don't have their card and never use it for months. I called the PENFED. ... why I own {$40.00}. Lady said during " Pending my pay off ''. fee charge {$40.00} more.
This is real " SCAM " I gave them my debit and my routing, process went and they XXXX took my money in no time. The lady ( PENFED. ) the manger will called me back in 2 hrs after I requested. I told her I gave her 4 hrs to call me back. I know this is scam, their manager will not call me back. And I was right. no one call me ask/from PENFED. for the whole day.
" Pending my pay off ''. fee charge {$40.00} more. for that transaction. This so funny and cheap scam.
|
| 07/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
First problem I have with PenFed credit Union. Is it's been 2 years I have no copy of contract I do not have title to my truck that's supposed to be in there according to Missouri state law is a right to title state.
Second problem I have with PenFed. Is they were supposed to refinance my truck at what I still owed on it which would have been a little over {$21000.00} because I had already paid almost {$7000.00} to XXXX who had the note first. Instead they refinanced it for the full {$27000.00}. They are stealing money from customers. They are supposed to take out the payments the third week of the month. But they claim that their computer can't be set up for the third week of the month. Everybody else ACH is my account the third week of the month. So I told him that I blocked him from my account and I would send money orders the third Wednesday of the month when my XXXX comes in I go get a money order for the amount and put it in an envelope and drop it at the post office that same day. Now over a month later they're telling me that they hadn't even got the money to pay money in and they haven't got the XXXX payment yet. They keep trying to charge me return check fees and late fees which I'm not paying. This company is the worst finance company I have ever worked with.
|
| 09/01/2023 |
Yes |
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Web |
|
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I am currently in the process of buying a home as a co-borrower. I am experiencing issues with my XXXX XXXX credit report. When my credit is pulled by a PenFed, there is an alert that comes up to verify my information. The phone number that comes up, does not belong to me, I was a victim of identity theft as a minor and disclaimers and phone numbers were added to my account by my guardian. I have clarified this with PenFed. The number that was provided to XXXX does not belong to me. I have also reached out to XXXX XXXX several times who have told me that no such number is associated with my account, and that they will remove all comments and alerts so that PenFed can process the request. PenFed has attempted to process my credit multiple times, and this number continues to show up. I received a letter from PenFed saying that if I dont resolve this issue, my loan will be denied. I have reached out to XXXX XXXX multiple times, and they have assured me that there is no issue on their end, and that this is a PenFed issue. PenFed is telling me there is nothing they can do and I need to take care of it myself. I am stuck in the middle between two companies who are unwilling to help me and it seems that I am going to lose a home in the process because of a computer glitch.
|
| 12/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
There was a business opportunity being marketed for passive income to create a wholesale car dealership. We were told to apply for a car loan and we would be sold a car from the group 's inventory. In 90 days the car would be sold and our loan paid off. That would build car credit for us which would increase the amount of credit that we would be approved for, for our dealership. The group would help us create an LLC and apply for a wholesale license and obtain a dealership within their network. There were weekly XXXX calls and a dedicated FB group to help guide us. We were told to endorse our auto loan documents and send the check to them. They produced a bill of sale to the lenders.
After 90 days when the vehicle was due to be paid off, we were told there were processing delays due to COVID and states were changing requirements for establishing dealerships. So we were told to wait. It has been over a year now and communication has stopped.
This business opportunity was sold to us under false pretenses as we are discovering that some of the VIN numbers to the vehicles are false and some of these vehicles dont exist. The main person that lead the team has been indicted several times for similar types of violations and this business is an elaborate Ponzi scheme.
|
| 02/08/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I applied to refinance my mortgage with PenFed credit Union XX/XX/XXXX. The process moved forward quickly at the beginning and the appraisal was ordered. After that, I heard nothing over and over. I would email my loan processor over and over with no response. In XX/XX/XXXX, a manager finally called me and said they were waiting on a recertification of the appraisal since it had been so long and it would close before the year ended. Final underwriting was complete and things would be done. The loan processor emailed XX/XX/XXXX and said the loan was complete and she didnt know why a closer had not reached out to me. Well it is now XX/XX/XXXX and I have tried over and over to speak to the loan processor with no response. XXXX, XX/XX/XXXX, I received a CD with a tentative closing date of XX/XX/XXXX ( a date that already passed XXXX. On this CD the points that I was going to pay at closing increased, the loan amount was not corrected even though I have asked multiple times, and I am now being charged {$170.00} fee for the recertification of the appraisal which was never disclosed to me. XXXX appears to be delaying the process to increase fees on purpose and it feels malicious and deceptive. Also my loan processor XXXX XXXX has not disclosed her MLO # in her emails.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to formally dispute an unauthorized inquiry made by Pentagon FCU-XXXX, which appeared on my XXXX Credit Report XXXX The inquiry, dated XX/XX/2023, was conducted without my consent or authorization, thereby violating the Fair Credit Reporting Act ( FCRA ).
The unauthorized inquiry by Pentagon FCUXXXX has XXXX affected my credit profile without lawful basis or my explicit permission. As per the FCRA, any credit inquiry made on my credit report requires express consent, which I did not provide to Pentagon FCUXXXX.
I am formally requesting an investigation into this matter and the immediate removal of the unauthorized inquiry from my credit report. According to FCRA guidelines, I am entitled to verification and documentation validating the legitimacy of this inquiry, which I have not received.
Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry for your reference and investigation.
I request that XXXX conducts a thorough investigation into this unauthorized inquiry by Pentagon FCUXXXX and provides me with a written confirmation of its removal from my credit file. Furthermore, any adverse effects on my credit score or creditworthiness resulting from this unauthorized inquiry must be rectified promptly.
|
| 01/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
I applied for a checking line of credit for {$5000.00} from Pen Fed but was denied citing " Limited credit experience '' but I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career.
My credit score with XXXX is XXXX ; XXXX is XXXX ; and XXXX is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have an XXXX store account in positive standing. I have a XXXX credit card in positive standing. And a XXXX XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ 10k and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.
|
| 02/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I applied to a company for a loan to refinance my property. I chose this company because I had received offers from them, I thought they were reputable, and I already had a credit card with them. When we refinanced the last time, in XXXX, we supplied our income and other bills we wanted to include. This time I was asked to do the same along with a request for reappraisal ( at cost of {$580.00} ), copies of last two months checking accounts, copy of savings account, copy of 1040, copy of my late husband 's death certificate, mortgage statement, copy of homeowner 's insurance, copy of HOA XXXX dues, copy of property taxes for all property owned and, to top it off, a complete copy of our Family Trust of over 90 pages with attachments of 9 at a cost of {$1.00} a page at XXXX . ( Fortunately a friend did it for much less. ) As you can see, there was a lot of back and forth for two and a half months. Five states were involved in the proceedings. Then, on XXXX XXXX, XXXX, I was notified that the loan had been denied. My property is situated on a lakefront in a most desirable part of Ohio. Several homes have sold for over a XXXX. Appraised at over $ XXXX, for a loan of {$130000.00} seems like a good deal if I were doing the lending. Oh yes, I am XXXX.
|
| 09/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My first mortgage is with PenFed. My payments are on autopay through my bank. I have never missed a payment or made a late payment. In fact, I make my full payment plus principal payments every month. Recently it looks like PenFed updated its online account dashboard. I logged in and noticed my account said that my XX/XX/XXXX payment shows past due even though it also shows they received a payment from me on XX/XX/20. The problem is they applied my XX/XX/XXXX payment as " OTHER ''. Clearly their error, but I have tried to call PenFed every day from XX/XX/20 - XX/XX/20 to get it corrected. The call wait times ranged from 198 minutes to 84 minutes. I have tried to contact PenFed by email and secure messages through my online account. After a full week of trying I still have no response from PenFed!! My account continues to show past due and there seems to be no way for me to get ahold of anyone for help. I tried other phone numbers on their website and spoke to their answering service who explained they have large call volumes due to low rates. What about their current customers?? They still need to service their existing customers and after a full week of trying to get someone ( anyone ) to help me, I feel like I have no other option than to file a complaint.
|
| 01/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
To Whom it may concern, I received a letter from Penfed stating that they will be changing me interest rate from 3.99 % as agreed upon in the contract to 14 % which I don't see in the truth in lending disclosure document that was signed. There changing the payments from {$770.00} to {$980.00}. Which is an {$11000.00} increase in finance charges to the life of the remaining 5 year loan. Mind you none of this stated on the truth in lending disclosure statement. There claim to this abusive charge is that I failed provide a title for the collateral. In Florida the title is electronic as stated on the Application for Vehicle Certificate of Title. Which was included in the paper work sent to Penfed. Upon the purchase on the registration of the vehicle I had Penfed Credit Union as the Lean holder which is stated on the Application for Vehicle Certification. I don't feel this fair nor even legal. I have attached all the paperwork that has been referenced. You may also contact the State of Florida to verify what is on the title. Penfed is acting in bad faith by attempting to add {$11000.00} in financing charges for something that they do already have as collateral as stated by the State of Florida. I look forward in your help to this matter.
Best Regards, XXXX XXXX
|
| 12/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have received conflicting information from PenFed on having the interest rate reduced on my PenFed Promise Card. At one point, I was told that if I submitted an application to have my credit reviewed for a credit line increase, this would automatically trigger an APR review. After that, I was told that the only way to get a lower rate is by applying for a new card. As such, I applied to see if I could get a lower rate ( application # XXXX ) and had the agent put in the notes that I was applying for a lower rate on my existing Promise card. I was approved for a lower rate, 12.49 %, which is somewhat substantially lower than the current 15.24 % that I currently pay on my Promise card. That said, they will only give me this rate if I open a new card, not apply it to my existing card. This makes no sense and serves no legitimate purpose since their underwriters have decided that I qualify for this lower rate and can clearly change rates since they do for things like penalty APRs, etc. By requiring the opening of a new card, it harms my credit because I lose the 2 year history I have with my current Promise card AND my credit takes a hit for a new account - even though it is essentially the same account. I want the 12.49 % applied to my current Promise card.
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
PenFed is reporting a credit card ( XXXX XXXX # XXXX ) to the credit bureau. I went to PenFed in XXXX XXXX last year and told them that PenFed is reporting a credit card that I don't recognize to the credit bureau. They told me that all my account are up to date in good standing. I gave then a copy of the report and then they started the investigation. A few month ago they recognized that there was a flaw in the sistem and they corrected the issue. PenFed again this month reported it as un paid amount around {$60.00} and with interest is close to {$290.00}. This acount appears for the first time in my penfed account a few weeks ago. All my PenFed account are up to date except that one they add to my account, I have actually 3 cars loan, 3 credit card with them in good standing... And now it appears in my account that credit card with negative results. I contact them via phone and they told me that that what the system shows... I personal went to PenFen in XXXX XXXX to report this issue AGAIN... I can't believed it!!! It takes common sense that for {$60.00} XXXX will mess my credit and my other account is in outstanding. I'm in the process to by a house and now is in hold till I resolved this issue... Please can you expedite this case thanks in advance...
|
| 08/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I have had a checking account with Penfed for over 2 years. A fraud hold was placed on my account. I was informed I had to provide documents to validate my identity to remove the fraud alert. I have provided a copy of my State Issued ID, Social Security Card, and Utility Bill. I submitted all requested documents and was informed that it would take 48 to 72 business hours for the fraud department to review each document. The documents were uploaded on XX/XX/XXXX and XX/XX/XXXX. I contacted Penfed via email on XX/XX/XXXX, XXXX, XXXX, and XXXX. I emailed Penfed on XX/XX/XXXX, XXXX, and XXXX. I also sent them a letter on XX/XX/XXXX, that was received on XX/XX/XXXX. I have called them on those days that I sent them emails requesting status updates. Each time I contact them I have been told that the issue has escalated and that I will be contacted shortly. I have spoken to numerous supervisors who have all stated the same. I have XXXX friends who have submitted documents for identification and each of them has had their accounts opened with no issues. Penfed has taken a discriminatory stance as there has been no valid reason given why the process of identification has taken over two weeks when I was told it would only take a maximum of three business days.
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
The creditor for the personal loan is the Pentagon Federal Credit Union. Included in the personal is optional insurance in case of unemployment. An insurance claim was made in XX/XX/XXXX. An additional form was requested from XXXX XXXX ( insurance company ) and provided on XX/XX/XXXX. The monthly payment for the personal loan is {$560.00}, and the due date is the XXXX of every month. XXXX XXXX continues to send partial payments in the amount of {$520.00} to Pentagon Federal Credit Union. The first payment made on XX/XX/XXXX, was for {$1000.00} ; the payment made on XX/XX/XXXX, was short {$37.00} and late ; they have now processed another payment on XX/XX/XXXX, for XXXX, which again is short {$37.00}. My payment, which is due XX/XX/XXXX, is now late due to XXXX XXXX not sending a full payment, and I have to make a payment of {$37.00}, or I will incur a late charge and affect my credit.
I spoke ( XX/XX/XXXX ) with a manager at Pen Fed, and Pen Fed has expressed the insurance company should not be sending partial payments as long as I continue to provide the COntinuance of Unemployment form, which I have every time it has been asked for.
Today, XX/XX/XXXX, I was on a 58-minute hold, but had to hang the phone up because no one came back to the phone.
|
| 04/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received a called from the Pentagon Federal Credit Union, Confirmation/Declaration of Loss Department. I was told that they had a check in the amount of {$1500.00}, dated XX/XX/XXXX. I was e-mailed a form to signed and return. I was given the options to Deposit in Account, Reissue Check or Other. I checked tReissue Check. When I inquired about the check, I was told that they were behind and would get to it as soon as they can. After about a month or so, I contacted them again, and was told the money was deposit in my account. I was used to make payments toward my delinquent two credit cards. That was not what I checked on the form. Payments plan was already in place to what I could afford to pay. I had an allotment being deposit in my saving via direct deposit. I lost my job and was unemployed. I put in for Hardship, but was denied. I spoke to the Branch Manager at the site located in XXXX XXXX, Virginia. She spoke to her manager and he refused to return the money. A law firm wrote the Pentagon Federal Credit Union a letter regarding Bad Debt Collection on my behalf. The check was deposited without my signature. Although, I paid what I could afford to pay, as a retaliation, they sold my two credit cards to two collection companies.
|
| 08/25/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a home mortgage loan with PenFed Credit Union for my residence in Washington State. Upon signing for my loan, I choose to received my monthly statement/bill by US mail ( declining electronic only option ). Back in XXXX of this year, PenFed stopped sending me my monthly statement/bill. I initially noticed that I did not receive a statement and called PenFed in order to get the balance, inform I still want the monthly statement by US mail, and to pay by phone for that month ( XXXX ) since I did not receive the bill. I had given my bank account information for that payment, but it turns out they had a record of the call but lost the transaction. I received a notice later in XXXX that my account was past due. I called several times to identify and straighten out the problem. Eventually the payment issue was corrected but they indicated they now change $ XXXX from my savings going forward in order to continue to receive my monthly bill/statement by US mail. Given that I singed-up for the mortgage with paper option I do n't think they should be charging me a fee every month in order for me to receive my bill. Can your agency please help me work with PenFed to go back to sending me the monthly statement/bill by US mail without deducting $ XXXX fee?
|
| 12/29/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
I have several Certificates of Deposit ( CDs ) at PenFed. I need to " cash out / close '' XXXX of those CDs, with the net proceeds being deposited into our XXXX XXXX Account at PenFed.
Per PenFed XXXX direction, I have submitted formal request ( XXXX ) via email to XXXX asking for the XXXX CDs to be cashed out.
The formal request included the following specifics : acknowledgement and acceptance of the " early withdrawal penalty '', specific account numbers and dollar amounts of the XXXX CDs in question, specific account number of the Money Market Savings account which I'd like the net proceeds transferred to upon CD closure, and a .PDF containing the entire request with " wet ink signatures '' from myself and my wife ( joint accounts ).
After XXXX formal requests ( initial request sent on XX/XX/XXXX and a follow up request sent on XX/XX/XXXX ), PenFed refuses to respond or even acknowledge the requests as of today XX/XX/XXXX.
We have significant near-term needs for this cash ( XXXX XXXX XXXX XXXX XXXX XXXX ), and PenFed 's refusal to take action or acknowledge the request may cause potential unforeseen financial hardship onto us.
Kindly requesting CFPB to intervene here to hopefully facilitate timely resolution. Thanks so much in advance.
|
| 07/18/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
The situations selected are not actually my situation. I selected the closes match. I filing this complaint against Pentagon Federal Credit Union for issuing 2 money market Certificate to the wrong address and they were cashed by some unknown person. I have been working with Pentagon for last 4 mos.trying to obtain images of the cashed/paid checks but no luck so this why I am contacting you. I am trying to find out why would Pentagon issue this checks when they matured without confirming with the owner. I requested to see the check images and know where the checks were sent but no luck because they said this occurred too long ago. On XX/XX/11, I opened a total of 9 money market certificates worth over $ 30k for my children, nieces and nephews on behalf of my terminally ill mother, who's last request was to leave some money for each of her grandchildren so she asked me to obtain certificates. All but 2 of the 9 received there money when the certificates matured. In the meanwhile, my nieces are out of their money because of their error/negligence. This is just coming to light because one of the owners ( my niece ) asked for her money and recently had twins. Certificates were opened XX/XX/11 and paid XX/XX/11 starting value {$2000.00}, 7 years term.
|
| 08/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX, I noticed several unauthorized, fraudulent charges ( in the amounts of {$1.00}, {$1.00}, {$19.00}, and {$39.00} ). were posted to my checking account for a company that I had never heard of and never done business with ( XXXX ). These charges were made over the time period of XX/XX/XXXX - XX/XX/XXXX. I had never visited this site and never once even used my debit card associated with my checking account, as it had been locked in my safe. I never charged anything to this account since I kept the balance just over the {$500.00} minimum account balance threshold to avoid a service fee. Immediately upon noticing the charges, I called and reported the charges as fraudulent and waited for the funds to be restored to my account. After 9 days, I called to inquire since the funds had not been restored to my account. I was directed to the fraud department and my call was dropped. I called again the next day and was again directed to the fraud department, where the representative told me my claim was denied because " the charges fit with a pattern of previous charges ''. The representative directed me to another line where I was able to leave a voice message. I have not received a response and the denial of my fraud claim is unsatisfactory.
|
| 06/06/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2022 I was prequalified by a PenFed Digital Loan Officer for a XXXX mortgage of {$60000.00}. PenFeds maximum debt-to-income ( DTI ) ratio is 0.50 %, and the initial loan officer calculated my DTI at 0.48 % XXXX The mathematical calculation to determine my DTI was monthly debts of {$2700.00} ( including the new HELOC payment ) divided by monthly income of {$5700.00}. These two figures did not change and were verified by documents that were uploaded on PenFeds secure website.
I was assigned a loan processor, XXXX XXXX on XX/XX/2022. After uploading the requested documents ( including those that revealed my race, age, and gender ), I was informed that my file would be submitted for review. Around XX/XX/XXXX, I was informed that my DTI had gone from 0.48 % to 0.58 % without explanation, and I was no longer qualified for the loan. I have asked for an explanation of the numbers without success, even though I was told one would be forthcoming.
Numbers do not lie : {$2700.00} divided by {$5700.00} does not compute to 0.58 %. I would like to know if any factors such as age ( I am a XXXX XXXX XXXX ( XXXX XXXX ), marital status ( recently widowed ), or gender, ( female ), played any part in this magical recalculation of my income and debts.
|
| 07/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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On XX/XX/2023 I made a settlement payment in the amount of {$8300.00}, Penfed credit card account ending in XXXX. This settlement amount was agreed upon by Penfed Credit Union and myself in writing, stating my account would be settled in full and reported to the credit bureaus as 'settled for less than full balance'- per the attached letter sent by Penfed representative XXXX XXXX via email on XX/XX/2023. There was a mis-key on XX/XX/2023 resulting in another payment processed via phone on XX/XX/2023, the mis-key was acknowledged by another Penfed representative. Penfed has failed to uphold their end of the agreement intentionally due to being exposed for numerous instances of negligence and mishandling of this account. Penfed retaliated by reporting this account as derogatory, having an unpaid balance, in collections, and charged off as bad debt, the agreed report remarks ; 'settled in full ', 'settled for less than full balance ', were intentionally omitted. I have bought this to Penfed 's attention and nothing has been done to resolve this issue all the while I've upheld my end of the agreement and Penfed refuses to ; while I continue to have to deal with the turmoil resulting from their negligence and breach of the settlement agreement.
|
| 05/17/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
|
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Hello, On XXXX XXXX , XXXX I applied for a home equity loan threw Pen Federal cr edit union. the request was for XXXX at 3.75 p ercent and the length was 60 months. During the process, we had a dispute with our loan processor. I composed an email and requested and received another processor. In the email I stated I was worried that I would receive an unfair offer. She advised all my documents were in order and she would expedite the procedure since 6 weeks had gone by. I asked If they already ran my FICO score and she replied yes. At this rate I had no option but to wait for the offer. On XXXX XXXX , XXXX I receive a written offer for XXXX for 180 months at 4.99 percent. I refused immediately. My FICO score is XXXX . I have XXXX house with XXXX remaining on the loan. I have assets that total more than request amount. My employment has been steady for last 20 years. In the offer they stated I had too many credit inquires. I never missed a single payment on any creditor. Pen Federals website does n't even offer a term of 180 months. it is my belief they operate dishonest banking practices, classic bait and switch, and have discriminated against me for personal or age related reasons. Thank you.
|
| 12/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
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I received a targeted email promotion from PenFed.org for opening a checking account with my stimulus payment. Successfully opened the account and met all conditions but the checking account was never credited {$200.00} for opening account promotion as advertised by targeted email on XX/XX/XXXX.
After meeting all conditions for the promotion, specifically the 90 days post deposit, but not receiving the funds, I called in to inquire about said promotion. Was told in late XXXX, on a phone call to Penfed, that I did meet all said conditions but they would get back to me on why I didn't receive the funds yet.
With no communication from Penfed for almost a month, I called again and spoke with XXXX on XX/XX/XXXX at XXXX ( case # XXXX ) and was told the promotion was cancelled before I opened the account ( but within the eligibility of the original targeted promotion ).
I then asked if the promotion was cancelled why was I still allowed to open the account with the specific targeted link. XXXX had no answer to the question. To further the point of the targeted link, when I click the link now, it states the promotion is no longer eligible. Thus, they fixed this after the complaints were lodged.
XXXX said this was final and hung up.
|
| 06/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I was recently approved for a pen fed {$15000.00} credit card and I received the credit card terms and conditions in the mail. The terms states that at the time of fraud we will be liable for the charges and we can not make Pen fed liable for the charges, can not take them to the court and have to indemnify them from any kind of liability.
I think this is mean and one sided agreement and goes against the laws of America.
They also do not have arbitration agreement for their credit cards, so it is a win win situation for them and a losing situation for the customers. I am completely surprised how can this company be so greedy, self-centric and mean?
They have also send me a letter which states that I abide by the credit card agreement if I don't cancel the credit card within 30 days, what is this?
this is a fraud. and I tweeted this credit union, they replied me with a very unusual answer, their customer service number is not working.
After that Penfed blocked me on Twitter ( please see the screenshot ) What does the Penfed wants? Penfen wants the customer to go crazy if a dispute happens between customer and penfed? What will the customer do if can not go to the court? ( please check the screenshot of penfed agreement )
|
| 01/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
A CALLER WHO POSED AS AN " XXXX '' REPRESENTATIVE CALLED ME. SHE STATED THAT MY COMPUTER HAD BEEN HACKED NUMEROUS TIMES AND WOULD BE RENDERED USELESS IF I ID NOTFOLLOW HER INSTRUCTIONS./ SHE INSTRUCTED ME TO GO TO THR XXXX XXXX DROCERY STORE NEAR MY HOME. ONCE I WAS THERE SHE INSTRUCTED ME TO PURCHASE 2 {$500.00} XXXX GIFT CARDS. SHE THEN INSTRUCTED ME TO REVEAL THE ACTIVACTION CODE TO HER. I WAS TOLD THAT HER SERVICE WAS FREE AND THAT SHE WOULD RFUND MY CREDIT CARD COMPANY 'S CHARGE WITHIN 24 HOURS OF MY PURCHASE, THAT NEVER HAPPENED.
I THEN CONTACTED PENTAGON FEDERAL CRTEDIT UNION TO FILE A FRAUD CLAIM FOR THE {$1000.00} OF WHICH I NEVER RECIEVED {$.00} FROM THE PURCHASE. THIS WAS IS XXXX OF 2020.
I MAILED THEM ( CERTIFIED MAIL ) A NEWS ARTICLE FRON XXXX XXXX THE ARREST OF A MAN FROM XXXX WORKING OUT OF FLORIDA, WHO WAS RESPONSIBLE FOR SCAMMING GA SENIORS OUT OF {$20.00} XXXX.
PENFED AS REPLIED THAT SINCE I PARTICIPATED IN THE " SCAM '' WHICH THEY SAY IS NOT FRAUD, THAT THE CHARGES ARE VALID AND THAT I AM RESPOPNSIBLE FOR THE CHARGES. THEY ARE TELLING ME THAT FRAUD AND SCAM ARTE NOT THE SAME THING AND THAT I MUST PAY. I DISAGREE, FRAUD, SCAM AND CHEAT ARE ALL THE SAME. I AM XXXX YEARS OLD AND FEEL THAT IT IS FRAUD.
|
| 01/03/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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I have a PENFED CREDIT UNION XXXX XXXX XXXX since 2012. I have made balance transfers in the past and pay them as the offer expires. At the moment I have various balances at various interest rates in the same card. Since last year ( around XX/XX/XXXX ), I have noticed that the payments I sent, were not been allocated to the highest interest balances. They were distributed among all balances ( including the 0 % ones ). This was not like this before. As an example, there was a remaining balance of XXXX XXXXXXXX 15.24 % in my XX/XX/XXXX statement. I made a payment of {$450.00} ( more than the minimum payment of {$190.00} ) but to my surprise, the balance in XX/XX/XXXX was {$85.00}. Only {$3.00} was credited to my highest interest balance. This is unacceptable and will not make it possible for me to pay the highest interest balance. Today ( XX/XX/XXXX ) I contacted customer service of Penfed to ask them to allocate my payments to the highest interest balance. They stated that this was not possible, that payments are distributed proportionally to all balances. I told them this was against the law, but the representative repeated the way they are doing things. Please help so that PENFED CREDIT UNION complies will the Credit Act.
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| 01/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
My wife and I applied for a mortgage refinance in XX/XX/2020 and still have not received a formal approval and a closing date for the mortgage refi. PenFed has apologized profusely and told us they don't have the staff to process the number of refis that are pending in a timely way. They told me they have hired contract employees and others to help the process, but at least some of them are either unresponsive or poorly trained and take forever to do the simplest of tasks. It took months just for the underwriters to finally decide that we meet the requirements for the refi, but that happened more than a month ago and everything now seems to be stopped. The loan officer and her manager don't seem to be able to get a status out of the mortgage processing group and are now telling me they are waiting too. There seems to be no one in charge managing this process so their customers are just left blowing in the wind. This is particularly galling because my wife and I have our existing mortgage ( that we are trying to refinance ) with Penfed and also 2 credit cards with them, so they are very much aware of our financial status. Finally our credit scores are around 800 so there is no reason this process should be taking this long.
|
| 01/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
PENTAGON FEDERAL CREDIT UNION Fraudulent contract via Account # XXXX ( From XXXX ) Balance as of XX/XX/XXXX - {$12000.00} The referenced account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud.
CONSUMER PROTECTION LAWS VIOLATION : Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.
Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.
Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.
CFPB 1026.23 Right of Rescission ( cancellation ).
Constructive Fraud, as well as actual fraud, maybe the bases of cancellation of an instrument. ( El Paso Natural Gas Co. v Kysar Insurance Co., 605 Pacific 2d. 240 ( 1979 ) ).
A note is only a promise to pay and not payment ( Fidelity Savings Bank v Grimes, 131 P 2d 894 ) - Federal Reserve Notes/Paper Money.
A debt is not paid by the giving of a note ( Nolan Co. v Maryland Causality, 38f. Supp. 479 ) Additional Violations : 15 U.S. Code 1692d ( 1 ) - For destroying my reputation.
18 U.S. Code 112 - Threatening/ attacking the liberty of an internationally protected person/ XXXX XXXX XXXX XXXX XXXX ( 8 USC 1101 ( 21 ) ).
|
| 07/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Every year I provide PENFED with a certificate or " Proof of Insurance '' to prove to PENFED that the Condominium complies with the insurance requirements to include Flood Insurance. I provided PENFED with the proof of insurance certificate and spoke with customer service on several occasions to ensure I was in compliance. Notwithstanding, I received a notification from PENFED that funds were withdrawn without my authorization to pay for an insurance policy selected by PENFED for my property even though I already had XXXX and had provided this information repeatedly to PENFED. I have spoken with a customer service agent named " XXXX '' at XXXX XXXX XXXX XXXX, ext XXXX regarding this matter. She advised that until an escrow analysis is completed, that I should continue making the additional {$630.00} in monthly payments ( in addition to the $ 428 monthly mortgage payments ). I would like PENFED to refund this funds to me and to stop these abusive practices which unfortunately occur on a yearly basis. I did not authorize PENFED otr anyone else to withdraw funds from an existing PENFED Money Market Savings account to create an escrow account on my mortgage. I respectfully request a prompt resolution to this matter.
|
| 10/23/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
I have CD accounts with them since XXXX. My account was password protect. Only bank and I knew. On XX/XX/XXXX someone withdrew {$2000.00} cash and a check for {$40000.00} from my account. I trusted the banking system and never checkout what was going on. When the CD 's matured I let it rollover. When I finally check, I notice CD 's were missing. I been to the Bank 5 times. to clear this matter. Bank manger E-mail the following : XXXX XXXX, Per our several previous conversations, we do not retain information in the branch. I relied on research department to get all the information you requested that given you answers to several of your questionable missing funds that truly is not missing. Our back office also will not have copies from more then 7 years ago, it is member/customer responsibility to maintain information as long as they wish to maintain. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX O : XXXX Ext. XXXX | C : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX PenFed.org I have proof that statement is not true. I believe it was inside job, reason password protected account. Pen fed is not returning my cancel check. I requested several times, after she said they had. Police and FTC was notify.
|
| 05/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a new penfed account on XXXX XXXXXXXX
Made 2 mobile deposits on XXXX XXXX for {$3400.00} & XXXX XXXX for {$5900.00}.
My deposits were placed on extended 5 days hold for new account deposit.
After XXXX day. Penfed blocked my online access.
I called Penfed and they require me to submit 2 identity verification.
A copy of government-issued ID and selfie holding the ID.
A XXXX utility statement for address verification.
Uploaded them as instructed. Called Penfed to verify receipt.
I contacted penfed multiple times and the last was made on XX/XX/.
Penfed refused to give me a reasonable explanation on on unlimited day extension as they want.
Its on hold for 22 business days since XXXX XXXX.
Penfed bank is BREAKING their own written rules and policy.
KNOWINGLY ENFORCING and VIOLATING the law and rules that were made by REGULATION CC.
However, they're ENFORCING a new rule not listed on the Agreement i signed when i open the account.
I needed help from regulatory federal commission for the DISCRIMINATION, UNFAIR PRACTICE.
Most importantly disobeying the law that was made years ago by the govt to help consumers being discriminated solely solely and purely at the mercy of the bank.
|
| 12/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
On XX/XX/2020 I received a text message on my phone from an unknown number. By replying to this text it allowed a hacker to hijack my phone. This gave them full access to everything on my phone including banking apps. The hacker used this information to do a cash advance of {$2200.00} to my credit card. I reported it as fraud and a case was opened. The case was closed because the bank claims my pin number was used to get the cash advance. At no time did I give my pin to anyone, especially for a large cash advance. I have disputed the claim and asked it to be reopened. XX/XX/2020, a second cash advance for {$2200.00} has now appeared on the new card they issued to me after the first incidence. I called in the claim today, XXXX XXXX. They told me to call back in a week to follow up. This was exactly what they said last time. Then they transfer me between multiple departments. First they did not resolve the first fraud incidence and blamed me for it, now they do not offer protection against it happening again. I closed the credit card completely today, but was told I am responsible for the {$4400.00} in cash advances until the fraud case is cleared. I am filing a police report with my local department today.
|
| 02/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
ON MY XXXX CREDIT REPORT I AM MISSING MY LAST TWO CAR PAYMENTS ONE FOR XX/XX/XXXXAND ONE FOR XX/XX/XXXX WITH THE CREDIT BUREAU THEY ARE USUALLY A MONTH BEHINH WHEN THEY UPDATE TO THE CREDIT BUREAU. WHAT I DONT UNDERSTAND IS XX/XX/XXXX SHOWS A BALANCE AS {$20000.00} AND THE MONTH OF XXXX SHOWS THE SAME AS {$20000.00} BUT ON THE PRINT OUT OF MY ACCOUNT SHOWS A DIFFERENT FIQURE FOR THAT MONTH. SECOND ON THE RATING PART OF MY ACCOUNT IT SHOWS FOR XXXX DOES NOT SHOW A BALANCE THERE SHOULD OF BEEN A BALANCE SHOWING FOR THE AMOUNT WAS PAID WAS {$20000.00} WHICH SHOULD OF REFLEX ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX I HAVE SUMMIT MY CREDIT REPORT AND BOTH MONTH UNDER MY RATING NEEDS TO BE UPDATED TO SHOW PAYMENT FOR THE MONTH OF XXXX AND XX/XX/XXXX ON XXXX XXXX THAT IS THE ONLY REPORT WHICH IS NOT ACCURATE. ON MY XXXX CREDIT REPORT IT SHOWS PAYMENT STATUS AS PAID SATISFACTORILY I MADE ALL OF MY PAYMENT ON TIME WHY DOES IT SAY THAT ON MY XXXX REPORT ALSO CAN THEY UPDATE MY CURRENT ADDRESS WITH XXXX ON MY CREDIT FILE. THE ADDRESS THAT IS LISTED BEFORE I DONT USE MY CURRENT ADRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX CAN THEY SENT THAT TO UPDATE MY CURRENT ADRESS WITH ALL OF THE CREDIT BUREAU.
|
| 12/14/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
PenFed The credit card company fails to withdraw funds automatically. The system changes within the company as stated by the agent over the phone suggests internal system issues. However, the company keeps charging delinquent fees to the account even after I make a over the phone payment with the agent. {$25.00} fee charged, automatic payment reversed and now the minimum payment has tripled.
PenFed continues to not respond to e-mails, not file disputes, does not follow up on promises, does not withdraw funds from automatic payments.
The internal challenges of poor communication with customers, systems that fail to process payments, and invalid billing/websites are causing a massive burden to me as a consumer. I have to literally manage this account as a full-time job, If I do n't audit the account I find many charges that are without proper information or explanation. The company is only nice when it attempts to collect payments but when it comes to managing customer experience lacks any empathy or understanding.
It seems like they are happy to lend but unable to manage transactions, provide proper dispute process or work through their internal partnerships with a third party lender XXXX XXXX XXXX.
|
| 07/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This creditor is reporting a paid and closed account with a XXXX balance as an open account paid satisfactory with a balance of {$19000.00} on my credit report. I called them to inform them and they had the audacity to tell me to send them my credit report to prove this so they can dispute it or Id have to give them permission to do a hard inquiry on my report to see that they are reporting this wrong. I refused both options of course because that makes no sense. In fact all Pen Fed has to do is report the account paid and closed with a XXXX balance especially when they show the account was paid in full and closed on XX/XX/2018. Its that simple. Credit bureaus only report what creditors send them not what they want as its a violation of consumer protection laws just like the company here is in violation for reporting inaccurate information in an effort to discredit my credibility with others. If they dont stop reporting this account as open with a balance I ask that it be reported to the FTC and they be charged for the violation. Theres no reason for me to send them anything as my business as far as this loan goes is done with them. I have kept up my end so they need to govern themselves accordingly.
|
| 12/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
In early XXXX, I experienced identity theft and fraud on a number of my consumer accounts. One account was with PenFed Credit Union. On XXXX a withdrawal from my account in the amount of {$2000.00} and on XX/XX/XXXX a withdrawal for the amount of {$1000.00} was made from my checking account from a merchant named XXXX XXXX. These withdrawals were unauthorized.
I contacted PenFed to make a dispute and I was told the withdrawals were made by me to my XXXX XXXX account and the dispute was denied. I do not have a XXXX XXXX account and I believe this transaction is related to the identity theft I experienced in early XXXX, XXXX. When I try to dispute these items, I am told it is a matter for the fraud department. The fraud department refuses to take the claim and informs me I need to dispute this with the dispute department. The dispute department says it is a fraud claim, and I continue to be given the run around.
I have a separate claim with XXXX XXXX informing them that an account was established in my name with their platform. However, they are telling me I need to dispute any withdrawals from my bank, not them. I am at a loss. PenFed is refusing to help me or give me any direction on this dispute.
|
| 03/01/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On XX/XX/2021 XXXX XXXX denied me access to my account. The PenFed 's website gave me an error message that I am including in one of the attached files.
While it is understood that XXXX XXXX system may experience technical difficulties once in a while, it is expected that the company should keep track of the issues, identify the causes of the problems and attempt to resolve them in a timely manner.
When I reported the problem to PenFed, its representatives denied that their website was not functioning properly and claimed that it was my browser that was having the issues.
I requested PenFed to provide any evidence that they may have supporting their claim that all my we browsers on all of my devices independently were having problems at the same time.In response PenFed has not provided any evidence and only speculated that the issue was with my browser.
In response to my complaint PenFed requested that I, in my free time, perform a burdensome task of a Quality Assurance Engineer of gathering technical details of the incident and spent time on the phone with them assisting their employees in identifying their problem and refused to acknowledge that their company website was having the problem.
|
| 10/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
My name is XXXX XXXX, and I am not an unauthorized third-party credit repair company. I am the actual person filing this complaint. PenFed is reporting multiple late payments on both of my accounts. I was on numerous COVID-19 hardship plans with PenFed. Once the CARES hardship programs ended, my ACH auto-draft was canceled by PenFed without my knowledge. PenFed told me that due to the CARES Act, no late payments or negative ratings would be reported to the credit bureaus. I also sent an email to PenFed 's CEO XXXX. Also, my account records show payments made for every month they are reporting late payments. I have sent numerous letters to XXXX, XXXX, and XXXX, disputing my credit report 's inaccurate late payments and inquiries. And I am asking for the late payments to be updated to never late. Each bureau is reporting different months of late payments for months that I was never late. My Letters dated XX/XX/2021 asked for verification and a reinvestigation, and over 60 days later, I have not received any response or correction from XXXX, XXXX, or XXXX. I want these late payments and inquires removed because XXXX, XXXX, and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I had nothing but trouble with this credit union since I opened the account. The first problem was they allowed someone to link their account to my account and did multiple external transactions which they did close that account and open another and refunded the money, the second problem was they allowed someone to do a take over of my account and do multiple XXXX transactions to themselves or whomever the person is and basically told me that it was my boyfriend and they couldn't do anything about it a totally of XXXX XXXX plus dollars gone and they did nothing but tell me oh well your problem and third and final problem is yet the same thing they allowed someone to link their account again to mines and did multiples external transfers to themselves totalling XXXX XXXX plus dollars once again got told that it was my problem cause I didn't answer the phone when they called. I don't even want the account anymore I just want my money back and they can closed the account. They don't investigate the problem and think just because the quote on quote device use is supposed to be yours they just say no error occurred. They might can get over on a older person but I am young and want all of my money back.
|
| 01/01/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I applied for a FHA mortgage loan on XX/XX/22 with PenFed credit union. The loan officer I dealt with pre approved my application awaiting a contract, I submitted a signed contract for a home on XX/XX/22, after two weeks of emails, phone calls I heard nothing until I called the direct line and found out that loan officer was no longer with the company so I was assigned another loan officer, XXXX XXXX, after submitting another application and all the documents with him I was assured all was in order and I would be approved with closing date of XX/XX/22 changed from XX/XX/22. Two days before closing I was informed by XXXX XXXX that the loan was declined due to an FHA regulation on the time the house was put up for sale so I would again have to redo the application, contract, etc. and change closing date to XX/XX/22. Was told on numerous occasions all would be approved now with the date changes. Again, two days before closing I was informed that the loan was declined for " income '' and I would receive a notice. I truly believe I was discriminated against because of age/sex. I have since applied with another mortgage company with all the same documents/information and was approved with no issues!
|
| 06/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have been experiencing a nightmare with my vehicle loan with XXXX. There was {$4600.00} added on my loan due to mandatory insurance although I have shown proof of insurance. My vehicle have been in storage for over a year there is no reason for me to have full coverage on my car. Due to this XXXX being added on my account my monthly payment has skyrocketed. I have late credit reportings on my credit report which is truly making this even more of a nightmare.I have sent in documents by fax which they have told me they have never received although I have a confirmation page that it was sent. I fell sick with XXXX and was hospitalized and fell behind on my payments due to the increased amounts needed, and have been getting terrible customer service. They told me to send in a hardship application with proof that I was in the hospital which I have done and now have been experiencing bad customer service from the delinquency department. Manager XXXX XXXX and one of his reps spoke to me in a very condescending tone, spoke over me, was not helpful on XX/XX/22. I just want to get this situation resolved so I can pay the correct amount and become current on my loan without the bad customer service.
|
| 03/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I have a vehicle loan with Pentagon Federal Credit Union. I was notified by the credit union I needed to provide insurance reflecting the credit union as the lien holder on the insurance policy with progressive insurance. I provided the information on XX/XX/2021 for full coverage insurance and on XX/XX/2021, the credit union added XXXX XXXX for {$6400.00} despite the fact I have provided insurance verification with Progressive reflecting Pentagon Federal Credit Union as the lienholder. This appears to be an attempt to levy a cost to the consumer for a fictitious issue when the insurance for the vehicle was forwarded to the credit union as requested. I had called on multiple occasions to discuss the issue so I was aware of the specific requirement. I have never experienced such a mess with a financial institution and this is costly to consumers. I am curious how often this happens across the credit union for vehicle loans. I am a retired XXXX XXXX and have had numerous vehicle loans throughout my life and have never had this type transaction. The credit union appears to be aggressive in providing other benefactors with business at the consumer expense. This transaction appears fraudulent.
|
| 08/06/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2019, I bought tickets for four passengers from XXXX XXXX, for a XXXX XXXX XXXX flight from XXXX to XXXX. I made the purchase using XXXX gift cards. On XX/XX/XXXX, I received the attached email from XXXX that confirmed the ticketing for the four passengers. On XX/XX/XXXX, I called XXXX to pay a {$16.00} fee for seat selection on one of those tickets. I provided them the number for my PenFed credit card over the phone to pay the seat selection fee. The next month I received my PenFed credit card statement, which revealed that XXXX had charged me again for three of the tickets I had purchased in XXXX, costing {$48.00} each ( totaling {$140.00} ). I never authorized XXXX to use my credit card to buy these tickets, which I had purchased two months earlier using gift cards. I immediately contacted XXXX, but they refused to correct the error and instructed me to contact my credit card company to dispute the charges. I contacted PenFed in XXXX to dispute the charges. PenFed has since tossed the complaint back and forth between their fraud departments and dispute departments, each one claiming the other was responsible for handling the dispute. PenFed has yet to resolve the dispute.
|
| 10/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I am extremely dissatisfied with Pen Fed Credit Union 's customer service phone line, their loan servicing department, and their website. They sent me a vague letter on XX/XX/XXXX that was dated XXXX XXXX, XXXX. It stated : " We recently processed a change affecting your monthly mortgage payment processed through the drafting program. '' They couldn't have been more vague if they tried. So I called them to find out more details. Their customer service is non-existent. First, they only provide one phone number by which you can reach them, ( XXXX ) XXXX, between the hours of M-F XXXX XXXX to XXXX XXXX ET. These are the hours that most people work. I called that phone number today at XXXX XXXX and sat on hold for 1 hour and 39 minutes. No one answered my call. No message came on to even let me know that they closed.
Also, the Pen Fed website is very difficult to use. They refuse to provide any loan payment history beyond payments applied over the last two months.
Because they have no physical locations in my state, I can't even go visit with them in person. If they aren't going to have physical locations that people can vist, then they at least need to offer better customer service.
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| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with Pentagon FCU. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is.
I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report.
I have never opened an account with Pentagon FCU, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards.
I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.
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| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Applied for a refinance with Pentagon Federal Credit Union for XXXX XX/XX/XXXX Was told then that the amount was small but they continued to process the refinance Included my wife. Told in emails that we had until XX/XX/XXXX to obtain the intent to proceed. PenFed told me that the entire process must be completed within 30 days told to pay {$600.00} for the appraisal on XX/XX/XXXX told thank you for choosing PenFed on XX/XX/XXXX told on XX/XX/XXXX which documents needed.
PenFed told us on XX/XX/XXXX that a response was needed no later than today at XXXX AM my wife replied by XXXX AM Here is the last email from PenFed dated XX/XX/XXXX -- Thank you for sending those. After reviewing them it looks like we are only missing the following : Unless you filed your XXXX taxes than we will need those in leu-of of ones below. Thank you Kindly.
I opened a complaint with The XXXX XXXX XXXX regarding this matter when all attempts to contact PenFed through phone calls, emails, and letter no reply from PenFed happened until they were contacted by the XXXX. PenFed concluded that by XX/XX/XXXX we did not supply all the necessary documentation? and that the application was withdrawn for incompleteness
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| 12/03/2023 |
Yes |
- Student loan
- Private student loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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PENFED Credit Union unnecessarily Hurt my Credit Score for no fault of mine. All effort to get this reversed has gone nowhere.
I refinanced my Student Loan With PENFED for 5 years paying $ XXXX monthly. I set payment on autopay from day XXXX and never had issues paying and never changed my account information. After using autopay to make XXXX monthly payments of {$600.00}, Per PEN FED, the last XXXX payment {$570.00} can not be made through autopay and I was supposed to make this manually.
When I was made aware about this process of " last payments can not be made through autopay '' the balance had been sent to debt collection who already reported default on my credit score.
I have since made the payment " manually '' and all efforts to get this reversed from my credit score has gone nowhere.
I'm not sure how XXXX payments of higher amount ( {$600.00} ) was paid but the last XXXX payment of {$570.00} end up being reported as default on my credit score due to PENFED unnecessary process which I was no made aware in time.
Reporting this as default to my credit score has hurt my credit at the time i needed it most.
I need PENFED CREDIT Union to reverse this as soon as possible
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| 11/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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XX/XX/2019 - {$25000.00} Loan is approved pending pay stub docs submission.
XX/XX/2019 - contacted via phone to get info on loan and what is needed to complete approval process.
XX/XX/2019 - contacted via phone that I sign up for membership and ensuring pay stubs are submitted and discussing whether to either have approved loan check delievered or drive to nearest branch to pick up check. They do not do direct deposit.
XX/XX/2019 - I drive to branch to have branch manager tell me because of no debt on credit report and my reason for loan was bill consolidation was because I was denied. No one higher up would speak to me or whoever branch manager talked to that made this decision.
Part 2- called Penfed 1 800 number to call highest level of management. I was able to get a hold of supervisor.
He informed me the loan officer was worried of giving someone that amount of money with limited credit history. Despite me being XXXX score and everything being approved. They would not let me speak with a loan officer.
I was mislead to believe I was approved for a loan and to either get check mailed to me or go to branch. I went to branch to be told I was not approved for loan afterall.
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| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Upon opening credit lines for my husband and I, we called the credit card issuer ( PenFed ) and set up automatic payments. For some reason, the bank only set up auto-pay for my husband 's account but not mine. Consequently, my bill was paid over 30-days late, when we finally noticed the balance had not changed. We called the bank to complain in XX/XX/XXXX and they said they would investigate. We were then NEVER contacted with the results of the investigation and were forced to call the supervisor multiple times to no avail, leaving voice mails each time. Finally today, XX/XX/XXXX, we were able to get this person on the phone, just to hear him say they would not call the credit bureaus to retract the mistaken report of a late payment because it is, in fact, accurate. It's true the payment was made late, but the question is WHY. This was their fault, not ours, so we feel the credit report strike is unwarranted. They could easily pull the call record to confirm we asked for auto-pay to be set-up on both accounts and verify this was their mistake, but they refuse to do so. We have impeccable credit, which we have worked hard to attain. We do not want this undeserved stain on our record.
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| 10/21/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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My Pentagon Federal Credit Union account ( checking and savings ) was frozen XXXX month ago pending identity verification and documentation of source of funds. ( See attached email ) I provided the requested documentation ( see attached upload transcripts ) including pages from my bank statements showing more than enough information for them to verify my identity and the source of funds I used for making transfers to the account. However, Pentagon Federal proved to be invasive with additional requests for information. I complied providing full statements. I was never able to communicate directly with the bank regarding the documentation, but always had to spend up to an hour each week on the phone relaying information bank and forth between the department handling the investigation.
Finally, after XXXX month I was informed that my account was " permanently restricted '' with no explanation as to why other than " risk '' which they would not tell me about. I have {$74000.00} in assets frozen at this bank and they've told me that it would be frozen for up to 60 days. This is unacceptable and I demand that they return my money immediately. They have already held my money for 30 days.
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| 05/28/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I applied for a refinance with Pentagon Federal Credit Union in late XXXX. Last week I was told my house was an investment property and no longer qualified for the mortgage I had applied for. The loan officer who discussed my application never notified me that the mortgage was for limited use. Second, my home is not an investment property. Third, the it took nearly three months for them to decide on the mortgage. Fourth, I had to switch to another product. They wanted me to reapply and repay the appraisal fee. Fortunately, one person there figured out how to do the re-application without paying the fee. Fourth, the information they told me was the value on the appraisal was wrong. I contacted the appraiser who told me the value he gave was 30 percent higher. Fifth, I asked repeatedly for a copy of the appraisal since I paid for it. It's been over a week. Dodd-Frank requires that they provide me a copy of the appraisal promptly. Indeed, Dodd-Frank requires that they notify me that I have a right to receive my appraisal automatically. The delays, misinformation, and failure to comply with Dodd-Frank require investigation. Also, the repeated requests for information I had already sent.
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| 11/16/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
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Web |
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I have been receiving emails from PenFed Credit Union for several months asking for information to allow PenFed to send statements and documents electronically regarding my account with PenFed. I don't have an account with PenFed. I have just received a hard copy " Regular Share Account '' " Consolidated Statement '' from PenFed for the period of XX/XX/XXXX - XXXX XXXX showing an opening deposit of {$5.00} and an ending balance of {$5.00}. I never opened an account with PenFed ; neither did I make that deposit.. I suspect it has something to do with a personal loan we obtained through XXXX ( formerly XXXX XXXX XXXX ), a California-based finance technology company, from which we obtained financing for the installation of a solar system on our home. PenFed may be the servicer of that loan. That would have been a transaction between XXXX and PenFed, a transaction to which I was not a party, and, to my knowledge, not a transaction requiring the creation of a deposit account in my name. I'm not one to look a gift horse in the mouth, unless, of course, the gift has something to do with my personal financial information or affairs, in which case, I am hypervigilant. Please investigate.
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| 10/27/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I refinanced and paid off my mortgage with PenFed on XX/XX/2020. On XX/XX/2020 I was denied access to my on- line account. I was not able to pull up any information at all. I repeatedly contacted PenFed requesting my access be returned. They initially told me this is what happens when the loan gets paid off. The account is closed and you can no longer access it. Subsequently I was told that this was an error and it is not normal for me to not have access after payoff and they are working on it to return my access. Most recently I was told again that this is normal and I will not gain access to my account. Penfed recently went thru a major digital platform upgrade with many, many issues including incorrect information provided, late mortgage statements, incorrect and concerning wire confirmations. I received a wire confirmation regarding {$5000.00} and believe it was an error. There was no identifying account information and I was not familiar with sender or receiver. I raised my concerns multiple times about this wire confirmation document and wanted confirmation this money did not come from my account. No one contacted me regarding this document or my concerns in the past week.
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| 03/25/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
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|
Web |
Servicemember |
|
Pentagon Federal Credit Union ( penfed.org ) Application for Line of Credit for Investment Property Closing documents for loan received XX/XX/2019.
Closing documents included a document entitled : " Occupancy and Financial Status Affidavit '' ( PenFed XXXX ( XX/XX/XXXX ) - XXXX XXXX This document requires a signature certifying that the property being mortgaged will serve as my primary residence.
PenFed Credit Union was aware that the property WOULD NOT serve as my primary residence. I brought this fact to their attention ( representative name XXXX XXXX ). XXXX XXXX assured me that PenFed understood that the property was not to be my primary residence, yet he informed me that the document needed to be signed, anyway.
The document states that the Federal Credit Union Act ( 12.U.S.C.1751 ) prohibits Pentagon Federal Credit Union from making a mortgage loan on a home that will not be the principal residence of the member.
The fact that the property WOULD NOT be my principal residence was submitted multiple times, although the application process encouraged me to say that I " could possibly '' reside in the property ( apparently in order to get around the FCUA regulations ).
|
| 07/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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|
Web |
Servicemember |
|
PENFED Credit Union has added additional burdens to the auto loan application process. Initial Credit application denies, and then, with spouse, unnecessary discriminatory burdens were added. I explain : The latest, as we submit a well Legible Utility Bill for personal and address verification ( Spouse ), they still withheld approval, until the Utility Bill was submitted in a Color Scheme of same Utility Loan, with same information.
PENFED assumed that a black and white legible utility bill could perhaps be a fraudulent document, as the shown names of applicants are of XXXX XXXX, and document originating from the XXXX of XXXX XXXX. PENFED demanded, in order to approve loan, that it needed to be " Clear Legible and Color Copy. '' A copy is a copy ( Black, White or Color ), it makes no difference as it contains the same personal/address verification information. PENFED 's overwhelming and discriminatory request falls shorts of standards expected from this banking industry, placing gender, race and other traits aside from a fair application process.
This assumption clearly discriminates to applicants, Veterans, Female and XXXX
XXXX XXXX, XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX
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| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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|
Web |
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Pursuant to the nationwide multistate licensing system consumer access portal the pentagon federal credit union doesn't have a installment sales contract license to sell contracts in the state of Alabama or and type of license that would have made the credit transaction valid.
Pursuant to 15 U.S.C section 1666 entitled correction of billing errors ( 2 ) a reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
Pursuant to 15 U.S.C section 1640 entitled Civil liability.
Pursuant to 12 CFR Section 226.15 right of rescission as a consumer I'm entitled to rescind my contract if I find it to be fraudulent in any way, but the finance company has refused to honor my request per federal regulations and/or applicable law. i wanted to rescind the contract without giving up my rights to the collateral interests of the loan.
I Made 9 months of payments totaling {$2800.00} without the lender having proper contract from previous lender, in which I never had a signed contract with the previous lender.
penfed also didn't include insurance in the finance charge pursuant to 12 CFR Section 1026.4
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| 12/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
|
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Since XXXX, XXXX, after an agreed mediated settlement for divorce, my es-spouse was awarded all business related credit card debts along with inventory. On XX/XX/XXXX, I spoke to personnel at PenFed credit union to advise of the settlement. I was told a certified copy with a judges signature would be required. Due to my ex-soouses delay, the decree was finally signed on XX/XX/XXXX. Between XXXX and present XXXX, Ive repeatedly submitted disputes via XXXX. I not only uploaded the documents through XXXX, but on XX/XX/XXXX, I physically went to PenFed Credit Union and hand delivered the documents. I was reassured this would be resolved. Despite my disputes, my contact at the bank, and provided copies of the certified order, my name remains associated as an authorized user only while my ex-spouse habitually exceeds the credit card/limit. XXXX continues to report the dispute is resolved and my status remains. Consequently, this continues to adversely affect my credit score. In good faith, I removed myself from a XXXX Bank business credit card and checking account and removed him from my personal accounts as an authorized user to prevent any potentially harmful impact on his credit.
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| 03/14/2017 |
Yes |
|
- Application, originator, mortgage broker
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Web |
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I was discriminated against by representatives of Penfed Credit Union, XXXX XXXX and XXXX XXXX who established discriminatory requirements for me to obtain a preapproval letter for a VA loan. I was flagged for discriminatory reasons by XXXX XXXX who prescreened loan applicants by phone and assigned XXXX XXXX, Mortgage Loan Originator. XXXX XXXX violated anti-discrimination laws by creating a requirement for the issuance pre-approval letter that was not consistent with VA/XXXX guidelines or PenFed practice. I provided financial documents that supported my VA eligibility and established income that fully met requirements of the Department of Veterans Affairs regarding VA loan eligibility, documents necessary to establish employment stability ( XXXX and paystubs ), and processing requirements.I only requested a loan pre-approval which is always conditional, and not a loan commitment from PenFed. The action of these PenFed representatives was designed to deny me equal non-discriminatory access to a government loan program, and resulted in harm to me due to a lost purchase opportunity of a home and a lower mortgage rate which was available at the time of this discriminatory acts.
|
| 02/12/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2021 I submitted a completed loan application through the PenFed website. I since then have not received any communication or Initial Disclosures from the lender.
On XX/XX/2021 I made several calls to PenFed. None of them were successful in reaching an agent or employee of PenFed. The phone would route me to wrong departments and/or disconnect. This happened numerous times.
On XX/XX/2021 I submitted a message on the penfed website using their " secure online messaging '' option for communication. Still no response.
On XX/XX/2021 I made an additional attempt, calling penfed again. This time I got someone on the phpone, was in the wrong dept. but said he would transfer me to the mortgage dept. After 20 minutes on this call, it also disconnected. I made the agent on the call aware that previous call attempts had led to disconnecting the call. He took down my number and told me he would call me back if the call were to get disconnected. He never called back.
Its been more than a weeks time, I have not received my initial disclosures, my credit was pulled, and I have made more than a reasonable number of attempts to connect with this lender, and get no response.
|
| 03/13/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I have requested the Consumer Financial Protection Bureaus assistance in investigating direct deposit reversals from my account to determine if they were Unauthorized Electronic Fund Transfers.
In monthly bank statements provided to me by the bank I identified more than $ 10K in direct deposit reversals.
When I looked up the guidelines for when direct deposit reversals are permitted I found the Federal Reserve Regulation E Supplement I to Part 205 -- Official Staff Interpretations : 5. Reversal of direct deposits. The reversal of a direct deposit made in error is not an unauthorized EFT when it involves : i. A credit made to the wrong consumer 's account ; ii. A duplicate credit made to a consumer 's account ; or iii. A credit in the wrong amount ( for example, when the amount credited to the consumer 's account differs from the amount in the transmittal instructions ).
The originator never made any of these claims when asked about the reversals. See the attached documents.
Because these were unauthorized withdrawals, I would like the bank to return the withdrawn funds to my account and prevent the originator from performing any further withdrawals from my accounts.
|
| 02/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
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|
Web |
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|
I applied for the credit card including a request to transfer a balance according to the terms offered by Pentagon Federal Credit Union. My credit was locked/frozen and I was informed that I needed to lift the freeze, which I completed. I was informed I was approved for the card.
Days later, I received a notice in the mail that I needed to submit a signature card to access my account. I immediately provided the requested documentation. No further communication was sent.
Weeks later, I attempted to login to my account to verify the status of the balance transfer. The website informed me that my access was frozen. Via email, I was told that my account has NOT been approved because they require additional documentation that was not included in the original terms. I was not sent any request for this additional information. They are using the USA PATRIOT ACT as an excuse to deny me credit by requiring information that has never been required for me to receive additional credit.
They are holding credit in my name hostage for additional unnecessary verifications that are unreasonable for me to provide, since all my information has been verified sufficiently to this point.
|
| 11/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
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On XX/XX/2022, Pentagon Federal Credit Union debited my XXXX XXXX checking account twice for {$400.00} causing a negative account balance and a {$250.00} withdrawal from my {$1500.00} overdraft protection service which accumulates at a 14.65 % rate of interest. With checking account transactions pending and a negative balance, I will continue drawing funds from my overdraft protection service until Pentagon Federal Credit Union rectifies the error and credits my checking account with the {$400.00} duplicate debit. The credit union attributed the error to a system flaw and after more than XXXX hours from the time which the duplicate funds debited my account, no resolution has yet taken place. I contacted a credit union customer service representative and the representative, in consultation with management, can not provide me an expected time for a permanent resolution or fix. My family and I live on a very strict financial budget and this has caused a critical emergency due to the lack of funds we need for our daily subsistence. I must now find other financial sources for paying our financial debt which includes the cost of daily meals and vehicle transportation fuel.
|
| 01/31/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am seeking online access to the my wife 's estate account. I have asked several times for this online access, and filed a previous complaint ( XXXX ), when they would not provide any information to me regarding the mortgage account.
I am the designated successor-in-interest to the mortgage account and XXXX XXXX Senior Vice President , Mortgage Servicing, assured me that I would have access to the account, however, I have been unable to get online access. I am a PenFed member and have a Penfed checking and savings account in my own name.
Penfed 's policies are in direct contravention to Regulation X ( CFR 1024 ), regarding successor-in-interest.i.e., Servicers are required to maintain policies and procedures that are reasonably designed to achieve the following objectives.1.Accessing and providing timely and accurate information. ( 12 CFR 1024.38 ( b ), and ( f ) Upon notification of a borrowers death, promptly identify and facilitate communication with the borrowers successor in interest concerning the secured property.
Penfed 's policies in denying online access to the estate 's mortgage account are in direct contravention of the requirements of Regulation X.
|
| 01/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American |
|
Dear CFPB Representative, On XX/XX/2023, I received a letter in the mail from Pentagon Federal Credit Union ( PenFed Credit Union ) with a pre-approved Credit Card offer with 15 months of 0 % interest for balance transfer. I decided to apply for this offer and fill out the information and file online. My member number with PenFed Credit Union is # XXXX.
My XXXX XXXX is over XXXX which is considered very good or excellent credit. However, despite being pre-approved with an excellent credit history, PenFed Credit Union denied my application, alleging bad credit experience, occurrence of severe derogatory event and Insufficient credit history. All of these allegations from PenFed Credit Union are totally false. I have an excellent credit history and NEVER had a derogatory event on my credit score. I consider this a XXXX act on the part of PenFed Credit Union.
Furthermore, in my PenFed Credit Union account appear with double application, which affects my credit score.
I request a complete investigation of this XXXX act and the removal of the double application from my credit history.
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
This is a credit card that I use monthly, but I also took out a cash advance in XXXX. Since XX/XX/XXXX, I have been paying the credit card balance in full each month ( statements attached to show this ), but they are still charging me interest on the cash advance. I tried talking to their customer service, but they could not explain to me how I was paying the balance in full each month sinceXX/XX/XXXX, but still being charged interest. There is no extra " balance '' showing up on page 1 of the statement, and I am not sure how I am supposed to pay more than the balance due each month, or how I am supposed to get rid of this supposed cash advance balance that seems to somehow be hanging out there each month and accruing interest. I have attached all statements sinceXX/XX/XXXX that show I have paid the balance due on page one of each statement in full each month, but also on page one it shows I am being charged interest - which is reflected then on page 3 of each statement as an interest charge for a cash advance balance ( but there is no where on the statement where this is reflected in my balance owing on the statement, and therefore no way for me to pay it off ).
|
| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/23, I made a payment to my XXXX XXXX credit card. Unfortunately, the payment did not reflect as processed in the system, prompting me to make another payment on XX/XX/23 to ensure timely settlement. However, I encountered the same issue where the second payment was not shown as processed either. Concerned about the situation, I contacted customer service representative, XXXX XXXX, who acknowledged that there are two pending payments on her end but won't show on my end due to a system issue.
Despite my request to cancel the second pending payment, XXXX XXXX explained that the payment is currently undergoing a transition, which prevents her from stopping the duplicate payment. This situation has caused a double charge on my credit card, potentially leading to overdraft fees if my account funds are insufficient.
Given these circumstances, I find XXXX 's handling of this matter to be irresponsible, as it has resulted in inconvenience and financial impacts for me. I urge the bank to resolve this issue promptly to rectify the double charge and ensure accurate processing of my payments in the future.
Please see the attached chat transcript for reference.
|
| 02/11/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I phone XXXXs into XXXX XXXX XXXX XXXX to advise them that I had become a victim of identity theft. I also gave them information and a incident number for my police report.
Immediately I was being addressed unethically.
I was transferred and kept for meaningless hours on the phone with representatives who harassed me and made accusations.
I have also informed the major credit bureaus of this loss.
Unfortunately my accounts where hacked, and this financial institution is not allowing to make a successful claim or have access to my funds that where available to me before this crime had taken place.
I have received an affidavit and I have returned it today.
They have been sending me emails to to collect the funds, and inform me that the account is not available.
I spoke to XXXX ID XXXX.
Advising me that the account is under restraint.
And they are checking the lastest status.
Keeping me from my funds.
I was not allowed to make the claim.
Every time I call they give me the run around.
My account has been compromised.
And I'm Taking the blame.
This bank is not following genuine policy and procedures guidelines for my claim or predicament.
|
| 08/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Pentagon Federal Credit Union is advertising a low rate for a consumer automobile refinance and they arent honoring their posted rates. I applied and was approved, but they are claiming my credit score didnt meet their top tier of over XXXX. They pulled my credit, but wont provide me with the score. They claim it is below XXXX. I confirmed and paid for my credit score from XXXX, which is the agency that PenFed told me they used, and my credit score has been hovering around XXXX for over the past year and hasnt been below XXXX for quite some time. They refuse to prove the score they pulled and therefore are denying me the top tier low interest rate for the auto refinance loan. They have been extremely difficult to get in touch with and continue to keep me on hold for extenuating wait time often exceeding 30 mins and then ultimately not transferring me to a next tier agent or manager that can actually tell me what the score was that they pulled. I know it was in error and I paid for and uploaded proof of my credit score, but they still refuse to accept that evidence and will not offer me the low rate they advertise and that my credit score easily qualifies for.
|
| 07/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
Penfed Credit Union Credit Card 1. in XX/XX/XXXX and asked for information to resolve purchases made fraudulently and requested lengthy series of personal information for nearly XXXX minutes over the phone.. When I followed up, other personnel did not recognize or seem to know who I talked with.
2.People who said they were not directly associated with Penfed took additional info and alerted Penfed.
3. Penfed seemed to resolve issue after lengthy interrogation ( XXXX ) and sent a new card and updated statement.The statement did not include a previous payment of {$100.00}. Date : XXXX XXXX XXXXWhen I called about incorrect statement another lengthy series of questions were asked including SSAN ( social security # ) in order to move previous payment from old account to new account. Previous payment was verbally recognized, but not in writing.
5. Another call received XX/XX/XXXX from Penfed ( XXXX XXXX ) alerting me of another fraudulent purchased even though newcard has not been used, XXXX insisted I needed to provide SSAN in order to resolve issue for nearly 30 minutes. When I finally gave SSAN he claimed I had been rude and hung up. Issue not resolved.
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| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am formally requesting that you Validate all tradeline listings by Pentagon- XXXX for me, XXXX XXXX XXXX under account number XXXX. Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I have some contractual obligation in relation to that tradeline.
Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute.
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| 12/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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Web |
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I have been a Member of PenFed Credit Union since XXXX. I have paid for all XXXX of the previous products I borrowed on time and in full. However, when I applied for a debt consolidation loan, I was denied because I failed to pay back my previous loans on time. This claim is false ; at the time of my application, PenFed obtained my Credit Report from XXXX, and my XXXX score was XXXX points with XXXX derogatory marks.
When I contacted PenFed, a customer service agent ( XXXX ) and his supervisor informed me that the underwriting department had notes on my account to revoke me for a credit card and I'm only eligible to get a personal loan with a co-signer even though my debt to credit ratio is less than 5 %. The agent also informed me that I was flagged as high risk because I have filed disputes with the credit bureaus for holding Penfed accountable for reporting accurate information, which is still present on my XXXX report.
The internal notes left on my PenFed account are misleading and preventing me from obtaining access to capital from the Pentagon Federal Credit Union even though I am financially stable and qualified to receive loans and products.
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| 06/10/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I would like to file a complaint against PenFed Credit Union. I apply for a refinance in XX/XX/2020, I was advised it would take up to 90 days which was fine with me, the 90 days should be in XXXX, then I was told it would be in XXXX, then it would be in XXXX then move to XXXX to XXXX then XXXX then XXXX here I am in XXXX and still cant close. I sent the requested documents several times ; each time I called I was given a different excuse and I would have to resubmit the documents again in XXXX they gave a closing date of XX/XX/XXXX, less than 24hours they call to say my documents expired. and my will will be delayed.
I ask them several to please refund my appraisal fee since it was no fault of mine for the delay and long wait they refuse. One of the expired documents was the appraisal report.
I call and leave several messages with the manager XXXX XXXX, she refused to take my calls or respond to me.
They finally sent me a final closing and they are charging me $ XXXXfor a new Appraisal report which I paid $ XXXX in XXXX for the Appraisal report.
I would like you please assist me in this matter, looking forward to a speedy reply Thank you XXXX
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| 04/12/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I applied for a mortgage refinance loan from PenFed credit union in XXXX 2016 via the internet and gave them the requested information they sought, which included income from my wife and myself, past credit experience etc. About four days later I received an E-mail from their loan broker in XXXX, Oregon stating that he had my application from his home office, and that it appeared I would not qualify for the loan because of my income level, even though it all had not been verified. I therefore ask the loan officer to cancel my request, which he agree to do. In the loan application they requested a bank card to cover expenses in processing the loan. I believed they have incurred no expenses but they have charged my credit card with {$84.00}. Why?
I called the PenFed office and asked that they remove the charge of {$84.00} since they have incurred no expense except for the on line application. They refused my request. I argued that the only information they had for the application was the info I provided for them on my online application.
I would like to have the PenFed charge removed from my credit card or the amount of their charge be returned to me.
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| 06/30/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
Older American |
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I have submitted numerous hardship applications over the last XXXX months and PenFed claims they can't find them, or can not locate additional information I sent them at their request etc. Even when they were given tracking numbers, they took no action and I was foreclosed. I managed to get out to the foreclosure, and resubmitted again, but this time they denied my request due to a math error ( {$500.00} ) in my P & L statement. When I found this out I immediately called and was told that I would have to resubmit again but I sent in the " corrected '' XXXX & XXXX the day I spoke with the agent, which was the day I received their letter denying ( again ) my request but have heard nothing despite requesting to be contacted. I have written to the XXXX and their XXXX XXXX to no avail.
This is clearly a pattern and practice to obtain financial benefit by fraudulently claiming loss of documents etc so that they may foreclose on property for their financial benefit. The documents I have are substantial and I will be pleased to mail them if needed. However, PenFed has all the documents I suspect, unless part of their fraudulent practice is to lose them.
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| 11/17/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I 'm experiencing financial hardship in my family. I have applied for financial hardship with my creditor and I was accepted to the economical hardship program by creditor. Creditor deferred payments for 6 months. After six months, my financial situation has not been changed and I contacted creditor by asking them to extend program due to extremely difficult situation. I do not have any type of income at the present time. I paid creditor partial payment as I was advised to prevent delinquency on my account and reporting derogatory information to consumer reporting agencies. Creditor was harassing me and their collection department demanded from me to make payments. I applied one more time for financial hardship program. The started reporting negative information to credit reporting agencies. They continue demanding from me payments to bring account to current and reporting to credit reporting agencies. I still waiting for their decision with acceptance into financial hardship program. I 'm asking creditor to delete negative information they reported from my credit report and allow me some time to reoccupy in order to resume my normal payments.
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| 09/21/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I applied for a checking account with Penfed with the anticipation of establishing a joint account with a person I bought a home with on XXXX XXXX not knowing that they were going to do an immediate hard credit pull over the phone without notifying me. I was trying to apply for a mortgage at the same time so this was disconcerting. After being bombarded with emails and paper post I decided to cancel my account almost immediately after. Someone over the phone told me it was easy to cancel and they said they put through the request immediately. I find out today XXXX XXXX that the account was never closed. The reason is because they require XXXX separate notarized documents, a copy of my social security ID, my driver 's license, and a utility bill, just to close a bank account that had {$5.00} in it. They cite the Patriot Act as the reason for doing so, but could not say why. I think this is costly, a waste of time, and extremely misleading to the consumer about the practices of this bank. I think they put these obstacles in place to trap their customers in to an account, as I 've never had difficulties cancelling an account with any institution.
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| 06/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I used a Pentagon Federal Credit Union auto loan to buy out my leased vehicle. The title was sent to PenFed. PenFed did not take care of filing the lien, and instead sent me a clean title. They told me that I had to take it to the DMV and file the lien info for them. Soon after receiving, the DMV closed its doors due to the pandemic. Since I was not able to take the title to the DMV and do what they should have taken care of when they had the title, they increased my interest rate by 10 percentage points, added {$100.00} to my monthly payment, using a pandemic to their advantage and penalizing a member during a very difficult time. All this without one phone call or email to check in, ask for an update, or see if there was a way they could help ... I have terrific credit and have made every payment early, even paying them for GAP insurance on the loan. This is not a high risk loan that justifies a 14 % interest rate. I should not be penalized because my DMV and most of the economy has been closed down due to a pandemic. This is usurious and despicable while unemployment is rising and everyone is dealing with the current troubles of the world.
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| 01/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Back in XXXX I refinanced my auto loan on my XXXX XXXX XXXX XXXX through Penfed Credit Union. As part of my refinancing process, my previous lender sent the title to Penfed Credit Union. From my interactions with Penfed credit union, my loan process was complete and started paying my loan. Out of nowhere I get a letter from PenFed credit union dated XX/XX/XXXX, that I failed to provide collateral for my loan so my rate was increased from 1.9 % to 14 %. I contacted PenFed and their representative said that they could not find my title information anymore so my rate increased even though I did not do anything wrong. Penfed never reached out to me to say there was an issue with my loan in the six months prior to this letter. Now on two occasions I have had XXXX XXXX XXXX send over the information and PenFed continues not getting or finding the information.
The reps will not provide any alternate solutions and keep saying that I have to request a duplicate title from the Rhode Island XXXX. In Rhode Island, only the holder of the loan can request it which I have explained to them. They say they will not request the title as I am the car owner.
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| 01/21/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a notification that there was a change to my credit report. When I looked to see what the change was, it showed me that there was a payment made on an account from Pentagon Federal Credit Union. The account has been charged off and written off which shows on my credit report and has for several years. I have not made any payments on this account whatsoever. The credit limit on this account is only {$500.00} yet it claims the highest balance of {$550.00}. This is not the first time they have claimed I have made a payment that I have not made and they are claiming this account was closed at customer 's request which I did not do. Companies like to state that the debtor made a payment on the account because then it restarts the time and which they can show the account on their credit. It is called reaging and it is a violation of the FCRA and California civil code ( I have resided in California for 20 years ). I did not contact Pentagon Federal Credit Union because in my recent research, they are not registered to do business in California so I can not file a small claims against them. I have to file against them in District Court.
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| 01/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Older American, Servicemember |
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XX/XX/2023. I was looking at my bank statement and noticed that PenFed Credit Union was charging me late fees on automatic payments from my checking account. I called them today and was told by their customer service person the late fees were for unpaid charges related to not having auto insurance coverage for approximately one month. This issue of not having auto insurance had came up once before and I sent PenFed Credit Union proof of coverage, however, they say now that I was uninsured for one month and therefore they placed their coverage on my vehicle for this time period. I offered to pay for whatever this extra amount was but was told I could not pay for it separately, and the payment for this coverage would now have to extend over the life of the loan. My loan payments are automatically deducted monthly, however, this additional fee causes the regular payment to be short and the short payment incurs late fees. The representative wanted to increase my loan payment from ~ {$720.00}. to $ XXXX to account for this extra fee and late charge but I was not comfortable with this and told the representative I thought this was unreasonable.
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| 12/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I would like to file a complaint about Pentagon Federal Credit Union. I have a credit card with multiple promotional balances on it. Two of these balances are due by XX/XX/XXXX. The third is not due until XX/XX/XXXX. When I make a payment, they apply the payment in parts to all promotional balances, rather than the promotional balance that will expire first. I could find no information anywhere, either on their site or in the documents that came with the card, that explain how these payments are applied. When we called the bank on XX/XX/XXXX to inquire about making sure payments were applied to the correct promotional balance first, they told us that there is no way to apply our payments to the specific balance we want. We must wait for the promotion to expire, and then pay it ALL off the day after in one lump sum. This is an extremely unfair and predatory business practice. I should have the option to pay these balances off by the due date. It feels as though they are attempting to trick their patrons into having to pay interest no matter what and they do not make possible to pay off specific interest before the promotional rate expires.
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| 04/01/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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First of all I would like to take this moment to thank you for all the wonderful work you do in helping us resolve issues that would take years to resolve but because of your exceptional work they get resolved sooner, for that thank you.
I have a mortgage with Pentagon Federal Credit Union ( PENFED ) I the borrower pay the Insurance and Taxes no escrows. I paid the Insurance and the taxes for fiscal year XX/XX/XXXX-XX/XX/XXXX. My XXXX XXXX XXXX forwarded the homeowner 's declaration page ( HODP ) in XXXX XXXX on the renewal date. In XX/XX/XXXX I received a letter from PENFED requesting a copy which I uploaded on the internet portal as they requested. In XX/XX/XXXX I was notified of forced insurance. Called their toll free and I was advised that they received all the needed documents ( s ). Forward to XXXX XXXX they raised my payments to reflect the forced insurance. I have tried to correct the issue and they acknowledge they received the HODP I 'm not sure if its incompetence on the employees on their systems do n't interface/talk to each other. If could be kind enough and help me resolve this issue of having XXXX policies on XXXX house.
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| 01/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I purchased a vehicle through XXXX, and later refinanced my car through XXXX XXXX XXXX XXXX, for the remainder of my loan, ( note : I no longer have the original agreement because this was done over the phone/email back in XXXX ) XXXX XXXX XXXX XXXX acquired by pen federal and the remaining balance of my loan was transferred to pen federal. The agreement of the loan include 8 months no monthly interest/payment. My car was later stolen and my insurance company paid the market price for the vehicle to the loan company. I had XXXX XXXX with the loan company to cover the difference with XXXX XXXX XXXX, but the original agreement was never transferred over to Pen Federal and Ive been trying to get this matter sorted with the company. However they have not honored the original agreement that was set in place by XXXX XXXX XXXX. Ive tried to reach out to the company to obtain the original agreement but I have yet to here back from there records department. I would just like this issue resolved. I made my monthly payments on time when i was in possession of the vehicle and Ive tried going through the proper channels to get this matter resolved.
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| 02/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Servicemember |
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I have a personal loan with Pentagon Federal Credit Union and make principal-only payments as often as possible to pay down my loan faster. The process for principal-only payments at PenFed creates an unnecessary barrier to repayment. First, I have to pay my monthly amount due by phone or online ( I understand that part and I'm okay with it ). I don't have the option to make a principal-only payment at that time. Then, I have to go online and transfer the amount I want to pay towards principal to my PenFed savings account. I can't pay principal-only direct from my external checking account, even though I can make my regular monthly payments from it. After that, I have to wait up to 5 days for the money to become available in the PenFed savings account. Finally, I have to call PenFed to make the principal-only payment. You can not make these payments online and sometimes there is a lengthy wait to speak to someone.
It is unfair that someone has to take so many steps to pay down their loan and this process may result in consumers not making principal-only payments when they otherwise would because of the time/hassle involved in doing so.
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| 02/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Hi, This company Pentagon Federal credit union is basically behaving on ethical.
They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.
I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.
Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.
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| 07/26/2023 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I needed to transfer an FHA case number from XXXX XXXX to penfed credit union since somebody who was not me applied for an FHA in the XXXX of last year the case number was still opened but they can only be 1 FHA case number at one time so penfed credit union sent me a step by step process i had the case number transfer but the case number had expired and i let penfed credit union know of this error but they still made me proceed i sent them that the transfer was complete and i pay XXXX dollars for an appraisal to get a call 3 day before my closing date letting me know that the FHA case number expired so there team could not accept it not only does penfed credit union want me to pay for there mistake also i have to push my closing date for another 2 weeks if sellers agrees to it and i also have another month of rent for my current residence penfed has not showed any accountability or any type of responsability for there mistake they are just making me pay an extra XXXX on a new FHA case number and 1 months rent for my current residence so in total penfed credit union has cost me almost XXXX dollars and has completely underminded me
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| 03/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
Older American |
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I applied for an auto loan ; my credit score is 810+ with all three credit bureaus. PenFed requested that I provide additional identity proof such as utility bill, driver 's license, passport ( or government issued identification ), social security card in color. I have presented in color the following to verify my identity : Two utility bills in color, social security card in color, and my state gun carrying permit in color. PenFed is refusing to accept my State issued Gun Carrying Permit as identification when their instructions say a government issued ID such as driver 's license or passport. Such as mean that you are not limited to those two items ; but any government ID would satisfy this requirement. I will upload for your inspection their identity requirements and all forms of verification I have sent them. I view this as another way to deny me credit, since they can not base on my credit score of 800+. They refused to accept previously sent documentation in black and white. I had to go to XXXX XXXX to meet their color only requirements and resend them. I have been sending and resending identity documents since XX/XX/2022.
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| 03/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Over 2 months ago, I applied for a mortgage with Pentagon Federal Credit Union. My credit score is excellent and the loan to value ratio on the loan was low. About 30 days later, the Credit Union told me my loan was approved and asked me to wire over {$15000.00} to the title company for closing, which I did. One day later, they told me they couldnt close the loan because there was a lien on the property for solar panels. After a few days of back and forth, I submitted the paperwork to get the lien cleared. Over the last three weeks, I have tried to contact Pentagon many times through both email and phone channels and have received no response. I have asked them to send back the funds and they have not. I have asked them for the status on the loan and received nothing from them. Right now, the title company still has my money and I can not apply to another mortgage company to secure the loan. I have had no communications on when or even if the loan will close. I am a XXXX XXXX on an average income and need to have the money returned so I can secure a mortgage while interest rates are so favorable. Thanks so much. Please help.
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| 10/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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During XXXX I refinanced an auto loan with Penfed Credit Union. During that same year Penfed assigned full coverage with gap insurance to my auto loan that significantly increased my monthly payment. On or about XX/XX/XXXX the refinanced XXXX XXXX XXXX was stolen in New Jersey. I immediately contacted the Insurance company to report the stolen vehicle. I was told to await the claim documents but to continue paying my loan until I am in receipt of the insurance paperwork. To date I have not received any paperwork from the Penfed assigned insurance company to begin the claim process yet Penfed continues to demand payment on the loan. Penfed and their insurance company have exclusive control and possession of the claim documents and no effort has been made to send them to me. As a result Penfed is currently reporting my account as delinquent to the credit bureaus while being aware that the vehicle is stolen and their in house insurance agency is withholding the paperwork necessary to make my insurance claim for the stolen vehicle. my credit is being harmed and Penfed refuses to pause the loan under the foregoing circumstances.
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| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My complaint is with pentagon federal credit unionXXXX XX/XX/XXXXXXXX my mother XXXX XXXX XXXX passed away.After we informed Penfed they locked up her accounts which were in her name, my name only being on the checking account.The nature of my complaint is that my mother had a credit card that had a balance and they have put it on my credit report via XXXX as a delinquency. I never entered into any agreements or signed or consented to anything related to her credit card.The account in question was opened in XXXX when I would have been XXXX XXXXXXXX XXXX .My brother XXXX XXXX XXXX decided to be the executor of my mothers will .She died with very little and the estate was non probate.Penfed refuses to speak with me on this matter unless I obtain a " certificate of small estate.Im not the person handling, they refuse to speak to my brother also.
They have long since been sent a death certificate and still mail bills in my mothers name as well as collection letters.
I need my mothers credit card and accounts removed from my credit report, as they have already caused me financial hardship.
Please assist in any way possible.
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| 09/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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This is reference to card number ending in # XXXX Sometime around the dates of XXXX XXXX XXXX, I had reached out to Penfed to report transactions that I did not recognize as I had lost my wallet several months ago.
They took my information and cancelled the card.
The amounts that are fraud consist of all of the transactions made in XXXX in the month of XX/XX/2022 as I had again, lost my wallet inside of the store for an extended period of time.
On XX/XX/2022, a XXXX representative left a voicemail and mentioned that my claim was denied because it was beyond " 60 days '' and five months.
However, on their website " IN WRITING '' states that there is not a timeframe for fraud claims.
The representative was clearly dishonest and I called him back. In addition, I contacted Penfed security again to reopen the claim.
Not sure if this was an error on their behalf or not, but I find it very unethical and unprofessional for a bank to contact the consumer expecting the member to be financially responsible for fraud transactions, then giving wrong information when what is in writing says something completely different.
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| 02/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
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Web |
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I applied for a loan on XX/XX/2020 and was denied from PENFED credit union.On XX/XX/2020, I received a denial letter from PENFED credit union with explaination.One key factors that adversely affected my credit score that's on the Denial letter is '' Derogatory Public Record '' which generally means Bankruptcy.I did have Bankruptcy and it was removed in early XX/XX/2020 from XXXX.Also in the denial letter it states '' our decision was based in whole or in part on the information obtained in a report from the consumer reporting agency listed below ( XXXX ) '' .I have disputed a few times to have bankruptcy removed because the 10 years is up.XXXX said it is not on my credit report and not reporting on my credit report.Because of this denial letter, its clearly on my credit report and was never removed.This is a violation of the fair credit act.Also, XXXX is not reporting my credit score correctly.My current report says XXXX and on this denial letter it states XXXX.On a current CFPB complaint ( s ) No. XXXX and XXXX, Im having the same problem with bankruptcy not removed from credit report and a difference in credit scores.
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| 02/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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This account pertains to a line of credit opened with Pentagon Credit Union in XXXX of 2017. I maintained positive payment history and paid towards this line of credit on time every month up until filing for a Chapter XXXX case on XX/XX/2017. The filing of the Chapter XXXX placed this account in my case which did not allow me to pay outside of the plan. In review of my credit report I found that Pentagon Credit Union reported this account in a negative reporting status under failing to make a payment. This is inaccurate reporting as I did not fail to make a payment but was in an active Chapter XXXX case with the United States Bankruptcy. Per FCRA the date of delinquency is not accurate as this balance was included in my Chapter XXXX Bankruptcy case. The status of this account has been reporting delinquent when in fact this account should have been reporting paid as agreed every month due to the Chapter XXXX Bankruptcy laws. Under the FCRA, both the credit reporting company and the information provider that provides information about my credit are responsible for correcting inaccurate incomplete information on my report.
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| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
I was in contact with Pentagon Federal Credit Union speaking with an associate that was assisting me on finding an account with them that is showing on my credit report. I told the associate I have no card with them and need my name taken off of any account with them because I have never done business there nor given my information to them. The associate asked for my social security, which I provided, and they could not find an account with my information on it. I told him it is showing on my report and he needs to find the account and remove me. Associate said he could not find anything and if I submit a dispute with XXXX the account will be taken off since there is not an account. I asked if there was any one else in his department that could look or take my information off and he told me submitting the dispute will do so. This call took place XX/XX/23 at XXXX XXXX CST and took over 8 minutes. I began the dispute process and the outcome was a notice that Pentagon confirmed the information was accurate. This was over a month waiting to hear back when I was assured by the company that I was not attached to an account.
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| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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>Multiple hard inquiries were pulled by Pentagon Federal Credit Union ( PenFed ) for same credit application using XXXX ( XX/XX/21 ; XX/XX/21 ) >Applied for HELOC with PenFed ( XX/XX/21 ) >Before applying was told full process takes approximately <60 days ( expected close around XX/XX/21 ) >Approaching 60 days, critical items remained undone, including the appraisal >Underwriters said credit score is good for 120 days, possible will need to pull again >To avoid being penalized for another hard inquiry, I authorized pull within 45 days of first >Credit was pulled 46 days after the first, falling outside of the shopping window >Received an email from PenFed Mortgage COO acknowledging their inability to provide the level of service and speed to close. Hiring people and working weekends ( XX/XX/21 ) >Closed the loan 89 days after application ( XX/XX/21 ) >I filed a dispute with XXXX but their automated process for inquiry disputes did not enable me to provide context, argument, or support >I called PenFed and bounced around 6 different agents resulting in my information being passed along to management for further contact
|
| 06/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have a VISA credit card with PenFed -- https : //www.penfed.org/ On XX/XX/2020, I added an authorized user to my PenFed VISA credit card account. The authorized user was added, and PenFed promptly reported the authorized user 's account on his credit report.
However, PenFed refuses to provide the authorized user with online access to the account. The authorized user is unable to track his use of the credit card, verify purchases, payments received, etc.
On XX/XX/2020 I contacted PenFed at their customer service number, and requested that the authorized user be granted online access to the VISA credit card account. PenFed refused, claiming that they are not required to provide him with any type of access.
I believe that PenFed 's refusal runs afoul of the laws and regulations currently in effect, and that PenFed MUST provide the authorized user with online access to the VISA account, for the purpose of online account management.
Please note : PenFed does NOT provide paper statements for the VISA account. As such, it is impossible for this authorized user to obtain any account information about this account.
|
| 08/28/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Company closed your account
|
|
Web |
|
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Last summer, XXXX XXXX XXXX XXXX decided to merge with Pentagon Federal Credit Union. Very little ( less than 3 days ) notice was given to members of a meeting that a vote was to take place. At the meeting, ballots were destroyed by staff at the end and the vote was obviously a foregone conclusion. Members were enticed to vote for the merge by a promise of a credit to their Share account ( which at the required {$5.00} amounted to less than a nickel ). The leadership of XXXX received extremely generous payouts for the merger ( hundreds of thousands of dollars ). Regardless, the merger went through. Pentagon went on to pay lower rates on some products ( i.e., they did not honor XXXX 's rates ), bought the most expensive piece of real estate in XXXX XXXX for new headquarters, and hired the top lobbyist with the XXXX XXXX XXXX and a former critic of the bank bailout as its government lobbyist ( both questionable hires and for considerable sums ). Last week our business received an email that PenFed would be closing all business accounts in XXXX. We have been members for over 20 years and this poses a business hardship.
|
| 06/24/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The Pentagon Federal Credit Union has deliberately " re-aged '' XXXX of my old credit accounts and illegally changed the Date of First Delinquency to a later date causing the negative credit listing to remain on my credit report longer than allowed by federal law.
I submitted a dispute to the Credit Union where I provided undeniable evidence that the Delinquency was more than XXXX years old and should have therefore been deleted from my credit file, according to the Fair Credit Reporting Act ( FCRA ). The evidence particularly included Credit Union 's own prior letters in which they clearly indicated that the Delinquency occurred more than 7 years ago.
Nevertheless, the Pentagon Federal Credit Union completely ignored such evidence and maintained that their records and information they report to credit agencies are correct. The Credit Union has also refused to change the information on my credit report.
The continuous reporting of the incorrect information unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.
|
| 04/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I had two accounts with Pentagon FCU one was a credit card and the other was an installment loan. The first one, the credit card, has comments stating that I never made a payment. I believe this to be inaccurate but the none the less I do owe this debt. The second account, installment, shows a balance of {$66.00} on one bureau and zero on the other two. I have gone to the bureaus asking for confirmation of the debts. The only response I have received is that it was verified. I sent letters to Pentagon directly and got no response. In my frustration I decided to settle the two accounts in hopes of getting them removed. I sent a letter in XXXX with a settlement offer and again received no response. I called them around the end of XXXX and they said they would not talk to me I had to send my request in writing and it had to be faxed. I wrote anther letter with the settlement offer and faxed it directly to them. It has now been two more months with no reply. I called them again and they said they have no record of me and would not assist me. They can't find me but they continue to report negatively on my credit report.
|
| 09/03/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Older American |
|
I have not received a statement of my account since XX/XX/2019. I have called customer service for help with no results. The problem they say is that they can not verify my phone number. They want me to fax or upload a copy of my phone bill to them for verification of my phone number. I do not have a fax machine nor am I tech savvy enough to upload my paper telephone bill. The credit union has the wrong area code for my account. I have tried to access my account on the internet with the same result. The area code on their web site is wrong and I can not fix it. I telephoned the credit union. The representative hung up on me after a long telephone call because I can not fax or upload my telephone bill. I must assume the last 15 payments were received and properly applied to my account because I have not been contacted for late payments. However, I do not know if the balance of my account is larger or smaller now, than what it was 15 months ago. In addition I have never received payment coupons to make the payments. I have to try and make some kind of coupon hoping and not knowing what is happening with my account.
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Older American |
|
On two occasions ( XX/XX/2023 and XX/XX/2023 ) I have applied for credit with Pentagon Federal Credit Union, and despite having excellent credit, both have been denied claiming that they have NOT been able to obtain my Credit report with XXXX. I also applied for credit with XXXX XXXX ( XX/XX/2023 ) and was also denied claiming they couldn't get my credit report with XXXX either. This serious error or discriminatory act on the part of XXXX has caused me great suffering because I needed to purchase construction materials for the renovation of my residence. My credit score at the time of application was over 800 points.
Pentagon Federal Credit Union ( PenFed ) was again very irresponsible in pointing out again that I had several derogatory events on my credit history. The real reason should have been that they couldn't access my credit report, but to get out of trouble for the second time, they tell me as the reason that I have several derogatory events on my report, which is TOTALLY FALSE. My credit score is over 800, my credit history is excellent, and I have NEVER had any derogatory events on my credit record.
|
| 04/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
3RD COMPLAINT!!!!!!!
PENFED CREDIT UNION AS PER THE LAST REQUEST FROM THIS COMPANY, PENFED, I TRIED TO CONTACT XXXX XXXX VIA THE TELEPHONE NUMBER PROVIDED, SEVERAL TIMES.
HOWEVER, THIS XXXX XXXX, NEVER, EVER RESPONSED, NOT ONE TIME.
I LEFT A PLETHORA OF MESSAGES ON HIS ANSWERING MACHINE, AND EVEN CONTACTED THE COMPANY REQUESTING TO SPEAK WITH HIM, TO NO AVAIL.
CURRENTLY, I SENT AN EMAIL, AGAIN, WITH MY INFORMATION TO AMEND MY ADDRESS AND THESE PENFED REPRESENTATIVES ARE ASKING FOR DOCUMENTATION ( ID, SOCIAL SECURITY CARD AND UTILITY BILL ) THAT WERE ALREADY PROVIDED ON SEVERAL OCCASIONS VIA PENFED 'S PORTAL.
I HAVE SUBMITTED EVERY AND ANY DOCUMENT, PENFED REQUESTED.
THIS COMPANY, PENFED HAS KIDNAPPED MY FUNDS AND CONTINUOUSLY ASKING FOR A RANDOM.
SO WHAT CAN YOU GUYS ( CFPB ) DO TO ASSIST ME.
I HAVE SUBMITTED TO ALL PENFED 'S ASININE REQUESTS AND STILL GETTING THE SAME RESULT ..... NOTHING!!!!!
AFTER CONSULTING WITH AN ATTORNEY WHO ALSO STIPULATED THAT PENFED IS BEING ABSOLUTELY UNETHICAL EGOTISTICAL IN THERE BEHAVIOR.
WHAT NOW?
YOU INFORM ME, AS I AM LITERALLY AT MY WITS END.
THANK YOU????
|
| 06/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2019 I received a letter from the Pentagon Federal Credit Union informing me that I am being upgraded to a PenFed Visa debit card to replace the ATM card that I've had for the past 18 years. I called the credit union and explained that I did not want or need a debit card and that I would like to continue with an ATM card. They informed me that it was a requirement placed on them to switch to debit card and would not provide me with the language and/or directive that requires them to do such.
I followed with an online complaint to their board of directors ( the only avenue available after speaking to a rep ). I received an email reply stating they made the decision to stop offering ATM cards to members with checking accounts in favor of the Visa debit card.
I find this change to not be leading or best in class as they state, rather it is predatory marketing forcing a financial product into members hands with the anticipation of generating more income and revenue through their association with Visa. I nor any other member should not be forced into excepting a financial product that is unnecessary.
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Upon the information provided from the dispute, Pen Federal Credit Union is in violation of report inaccuracies on my credit files. The documents they sent to me had a wrong social security number and address. How is this company reporting anything to my credit files with wrong information? The contact they sent, they blocked out the social security number, so how is that proof its my account?? On the original contract the social security number is wrong thats why they blanked out the information on the contract. This is illegal and this is not the right way to conduct an investigation. This company also sent me a check that does not have my information on it nor is it my account! The check did not have my signature on it. The contract they sent me also had a forged signature on the contract. The signature does not match mines someone signed that contract without my consent. Per the FRCA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Per the FRCA 1022.82 ( d ) ( 2 ). You have reported an address to my credit files that has not been verified.
|
| 11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a HELOC with PenFed ( www.penfed.org ). The balance of that HELOC is XXXX ( i.e., XXXX XXXX ) and it has been at that balance for several weeks. My prior history is perfect, with no late payments, and I had a personal credit score of 800+.
Recently, I received an update on my credit report showing that my Penfed HELOC was 'delinquent. ' This affected my credit score severely, dropping it by over 60 points.
I contacted the company about this error, notifying them of the 0.01 balance and lack of any delinquency. While they admitted the content of the error, they have thus far refused to reverse the delinquency filing. Furthermore, they have refused to address this issue in a reasonable amount of time and without unreasonable requests from my side.
Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, Penfed is now knowingly in violation of the FCRA and is not taking steps to correct that violation.
I have attempted multiple times to have Penfed reverse the erroneous delinquency filing and they have refused to do so on each occasion.
|
| 12/27/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
On XX/XX/XXXX or XXXX or so, I just realized that my XXXX CDs duplicated. Ther reason beoing the email keep XXXX up for me to transfer the money. Right after realizing the duplicate account I called and emailed PenFed. I got a replied that they will process in 2-3 business days. I emailed again after 11 days passed, they sent me a reply to send a proof from my XXXX XXXX XXXX that Penfed withdrew my money XXXX XXXX. It is weird since in my PenFed account it shows the duplicate CD account with $ XXXX each.
I sent four attachments did not work out. I sent another two and they promised that they will take care of it ASAP and asked me to call 3-4 hours after on Tuesday, XX/XX/XXXX. I called, now they asked me to send a formal letter requesting my XXXX the duplicate deposit with my signatures???
I repeatedly told them that I am underwater, I am just a teacher that got paid once a month, that I have had an insuffficient notice from the credit card I paid to, and I need a positive cash flow RIGHT NOW to financially survived. It is frustrating and need a big help from a small people int he society.
Thanks!
|
| 07/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
Back in 2017, I used to have a credit card through PenFed. I was unable to make payments so I stopped paying on it.
Over the next few years, PenFed eventually charged the account off. I never received anything in the mail notifying me of this. Then, the third party debt collection agency, " XXXX XXXX, XXXX '', took over the debt, which I wasn't made aware of. They summoned me to court but I tried settling with them out of court. During this time, the Pandemic caused my job to lay me off. I called XXXX XXXX XXXX XXXX ( The Attorneys for XXXX ) so I could try to ask for more time. They told me to just give them a call back when I get another job.
2 years later, out of nowhere, these guys just started taking money from me. I never received any letters notifying me that any of this was taking place. And now I am being garnished {$400.00} per paycheck. The way these people are handling my case is unacceptable as well as unfair. I am currently taking steps to try and sue these people for their incompetent and predatory practices. Please help me in any way that you can. Thank you for your time.
XXXX XXXX
|
| 03/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
PENFED Credit Union sent me an application for a XXXX Credit Card. The requirement is to open a {$5.00} saving account and become a member. On the advertisement, they said the {$5.00} is on PENFED ( see attached original advertisement ). I applied and received a congratulations email for the approval. I waited and no card showed up, So I called on XX/XX/21 talked to XXXX and she said she will sent an email to their department to fund the {$5.00} and I will received my card in week and a half. No card showed up and I called and talked to XXXX on XX/XX/21 and she said she will send an email to her supervisor to fund the account. On XX/XX/21, I received an email from PEDFED saying that my application expired and if I like, I can reapply anytime. So I called again on XX/XX/21 talked to XXXX this time to find out what's going on. She said because I didn't fund my {$5.00}. On the advertisement, it clearly says PEDFED will fund the {$5.00}, Attached please find the false advertisement, Congratulation approval email and the Unfortunately please reapply email.
Thank you so much for all of your help!
XXXX XXXX
|
| 11/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
Older American, Servicemember |
|
The pentagon Credit card seems committed fraud against credit card holder, usually it takes three business days for pending transaction to post and when it post will be added to my balance but now since XXXX2017 Pentagon Creditcard about {$600.00}, transactions that posted it doublicated and stayed pending and the charges added again to my balance, I called pentagon creditcard I told the rep if you check my current and recent charges ( they are categorized differently and shouldnt doublicate and if the charge post it should automatically changes from pending status and only once can be added to balance and if these transactions happens to be at month end shouldnt THE INTEREST SHOULDNT BE CHARGED TWICE and closed because Im being charged interest twice and it is fraud, eventually the pending charge will dropped but the interest charges already calculated twice at closing monthly statement, THIS IS FRAUD, Im attaching two exhibits Recent and Current transaction during monthly closing statement with twice interest charges.
Please review the exhibits the extra interest calculated in closed monthly statement.
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX refuses to remove two accounts of my credit per the collection rights and statue of limitations that is forseen underneath my credit report. For one of the collections, XXXX XXXX the collection agency is past the limitations of the right to collect data and as of the LAW it states that information reported should be removed that is innacurate or violates the terms of conditions in which the right it has to collect such debt. The collection was sold off to another consumer in which was not the right of the consumer to continue to allow such credit reporting to hinder my credit as such, three years In South Carolina, the statute of limitations for most types of consumer and business debt is three years. Another item that is being reported on my credit is from Pentagon Federal Credit union this item is past the debt collectors rights to have this item reported on my credit and should be removed as such according to the statue of limitations and its law, The Virginia statute of limitations on debt is five years for written contracts and credit cards and three years for open accounts and oral contracts
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My identity was stolen, someone opened with PenFed Credit Union an account in my name and take out a loan, I reported the fraud, they investigated, and come to conclusion that the loan name and soc sec is mine therefore is not a fraud, and I am responsible for the loan payment, the bank never provided me with a copy of id used to open the loan or a copy of the signature page. Pen Fed Credit Union never tried to cross examine my address and picture id with the one on file. During the investigation period the thief made a payment which never raised concerns whom he is where the money comes from under middle of the investigation period. I seen it on my credit report, when I brought it to Pen Fed Credit Union Fraud Departments attention, I was told that they aware is not me paying and they still investigating my case. The Pen Fed Credit Union XXXX XXXX XXXX Fraud Investigations Manager closed my fraud report without resolving the case. and I still have the fraudulent at this point delinquent loan on my name. With a thief using that account. I need help to resolve this issue of the identity theft and fraud.
|
| 02/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XXXX is offering personal loans as described below : " XXXX PERSONAL LOANS NO ORIGINATION FEES. NEW RATES AS LOW AS 6.49 % * '' I applied for this loan, however, was offered 9.99 % rate. When I called and inquired as to why I wasn't offered the advertised rate ( my credit score typically ranges from ~780-820 ), I was told that was because I'd need an 830 credit score to qualify for that rate. When I complained that I felt what they were doing was false advertising, they argued that credit scores go up to 950. This is very much a lie. Being in the XXXX XXXX, I quickly queried a database of 150,000 mortgage applicants, of which only 4 had over an 830 credit score, with the highest credit score being an 840. Based on my data, less than .0026 % of credit worthy applicants have an 830 credit score or higher. I personally feel that advertised rates where less than 5 % of the population would qualify for, borderlines on false advertising, however, what PenFed is doing is significantly worse.
In my opinion, XXXX is advertising a rate that virtually no one qualifies for, which is very much false advertising.
|
| 01/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
On XX/XX/2021, I called PenFed and ask to talked with a supervisor. A PenFed supervisor by the name of XXXX XXXX came on the phone. I told her that I made 2 payments one for {$200.00} and another for {$2000.00} which paid over the amount due for the Balance Transfer due XX/XX/2021. Both payments made were not placed on the balance transfer of {$1900.00}, that expires on XX/XX/2021. Both payments were placed on a balance transfer that is not due until XXXX of 2021, thus will cause me to have to pay interest on the balance transfer that was paid off in XX/XX/2021. Both payments are showing in the XXXX statement, yet the balance transfer is not showing paid in full for the balance transfer due in XX/XX/2021. She told me that she would check on that after a few minutes came back on the line and stated, " This is the way it is done at PenFed '' I ask to talk with her supervisor she told he was not available, and would find out what manager was available came back on the line and stated her Asst. Manager by the name of XXXX XXXX was not able to come to the line although would call me in a couple of hours.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not give permission to XXXX to place the inquiry for PENTAGON on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX XXXX on XX/XX/XXXX I asked them to remove their credit inquiry from my credit profile. I also asked them to ease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
|
| 07/28/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I have several accounts with Pentagon Federal Credit Union ( Pen Fed ). Due to the pandemic I became behind on one of credit cards with the Pen Fed. I contacted Pen Fed and was told that my HELOC was in jeopardy of closing if a payment wasn't made that day. I made the requested payment to keep my HELOC open and not negatively impact my credit score.
Despite the agreement the HELOC was closed anyway. I called the bank and was told that a supervisor would look into the matter. I called several times and was told the same thing. Then today, XX/XX/XXXX I called and was told that the HELOC was closed due to my credit score dropping. The loan is a secured loan and after reading all of disclosures no where is it stated that the account can be closed due to credit score. It does state that the credit union has a right to freeze the account for non payment. But this was not the case.
The credit union made a verbal agreement to keep the account open but not only did they renege on that agreement that closed the account for reasons that were not part of the disclosures documents when the HELOC was opened.
|
| 10/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2020 we completed a bill pay via XXXX for {$100000.00} to PenFed Credit Union. Our bank XXXX confirmed that the money was accepted by PenFed on XX/XX/2020. However, despite numerous follow ups and providing proof of payment from XXXX, PenFed claims they can't locate the transaction. We also provided proof of the prior payment via the same method of {$2100.00} on XX/XX/2020 that was posted to my account on XX/XX/2020.
It is nearly impossible to get through when we try to call, on average we had to wait at least 1.5 hrs for someone to answer. We even sent at least 2 communications to the Office of the Chairman of the Board XXXX XXXX XXXX and still no respond from anyone. Sounds like PenFed had some kind of system upgrade and they are not able to account for money that they are getting from their customers. We've lost countless hours on this, plus the anxiety and stress this is causing me and my wife. We are looking for immediate respond from PenFed on where about of our money that they received. Since it is an electronic payment that was accepted, my bank XXXX can't recall the money.
|
| 01/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I contacted PenFed for a payment deferral because I needed relief due to ongoing XXXX issues that exasperated ongoing XXXX XXXX due to XXXX XXXX XXXX. The representative told me to submit a request with documentation to confirm my medical issue, so I sent them the attached document acknowledging that I contracted XXXX in XX/XX/XXXX. After a couple of months, I called back and explained that I had not received any notification regarding my request for payment deferral on the loan and credit card. The representative checked the system and confirmed that my request for deferral was approved through XX/XX/XXXX for the credit card, and the loan deferral was also approved, but in the system, it wasn't clear to her for how long the loan deferral was extended. She assumed it was the same as the credit card deferral but would follow-up and confirm. She also acknowledged that no letter had been sent out. I asked if she could provide me a letter and she stated that she would check into it and forward the request. Now, PenFed has posted 2 late payments on my accounts and I'm unsure why.
|
| 08/03/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
Is this a SCAM or what? Email from Pentagon Federal Credit Union No Fee XXXX XXXX, XXXX XXXX Sun XX/XX/2021 XXXX PM Hello Ja and Et Thanks for talking today. As I mentioned PenFed rolled out a no fee VA XXXX ( Refinance ) program a few weeks ago. We are covering all the fees ( VA funding fee, title, credit, etc. ). If you have your taxes escrowed at PenFed we are able to rollover the balance to the new loan. Here is the breakdown of what I was playing around with that I mentioned You current situation Remaining Balance : {$540000.00} Interest rate : 2.75 % Payment : {$2200.00} +/- ( Principal/Interest ) VA XXXX XXXX XXXX XXXX : {$540000.00} Interest Rate : 2.25 % ( 2.276 % APR ) ( XXXX Credit Score ) Payment : {$2000.00} ( Principal/Interest ) Monthly Savings : {$170.00} Total Savings : {$63000.00} This is just something that I was playing around with and thought you should know since we are covering all the costs.
Let me know if you would like to discuss further.
-Thanks!
XXXX XXXX Mortgage Loan Officer NMLS # XXXX O : XXXX | C : XXXX Submit a Mortgage Request Get My Rates
|
| 07/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American, Servicemember |
|
On XXXX/XXXX/2017, I filed complaint ( XXXX ) against Pentagon Federal Credit Union ( PFCU ), PFCU after receiving the CFPB 's complaint submission on XXXX/XXXX/2017 PFCU assigned XXXX XXXX TO MY DISPUTE but she closed it on XXXX/XXXX/2017 with no explaintion what so ever I had submitted documents via email that was linked to the dispute that I opened on XXXX/XXXX/2017 and since PFCU were backed logged due to the merger, did not review my dispute until CFPB 's complaint submission and now it was closed without any investigation according to XXXX nobody from PFCU contacted them either, why PFCU assigned XXXX XXXX? is it to satisfy the CFPB only and to closed because they are still backed logged I believe the dispute process may takes 30 to 60 days from opening and closing and other side has 30 days to respond to it that PFCU did n't do nor followed our agreement at time of obtains the credit card please reopen my complaint and check why it was closed prematurely I reported the fraud to PFCU and they replaced my credit card but $ XXXX+ {$320.00} of my money still that was not returned. Thanks.
|
| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have noticed that PENTAGON FEDERAL XXXX have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both PENTAGON FEDERAL XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
|
| 12/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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|
in XXXX of XXXX we closed our mortgage with Pentagon federal credit union, after a 6 month process of misguided, multiple contact failures in their process. At closing the title co paid the taxes XXXX XXXX in the amount of {$3900.00}. This shows up in the county record as the title co paying this amount.
On my XXXX penfed mortgage statement they show a disbursement for the same amount to the county that was paid on XXXX for {$3000.00} the county refused the payment, because it was already paid.
My escrow had a negative balance till XXXX. The XXXX statement showed a $ XXXX deficit in escrow.
Even though I have asked multiple people to fix the problem and find where the check number went that was issued to the county, they will not accept responsibility, nor put me in touch with some one who can. I think they owe me interest on the money not in my account as well as an effort to fix the problem. They just sent me an increase in payment statement for {$500.00} more per month to fix the problem they won't. I have spent hours on the phone trying to get som one interested in this problem.
|
| 10/13/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
We are requesting that the credit report of XXXX XXXX XXXX reflect the timely payments on his mortgage for both properties : XXXX XXXX XXXX, XXXX XXXX, Ct. and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Ct. We are alerting PenFed that we plan on making our own tax payment to the City of XXXX XXXX , Ct. no later than XX/XX/XXXXXXXX and that they ( PenFed ) not pay the taxes prior to that date. since the taxes are not due until XX/XX/XXXXXXXX and are late on XX/XX/XXXX.
We are requesting that if the taxes are not paid on either property, that we be allowed to contract with the City of XXXX XXXX, Ct and make our own payment arrangements by XX/XX/XXXXXXXX and that PenFed not interfere with that process. We are requesting that PenFed not make any payments on our behalf, one month before the payments are due, whether they are billed prematurely or not. We are requesting that PenFed not imply that the City of XXXX XXXX, Ct has the right/obligation or permission to enforce a tax sale for {$3400.00} in the State of Connecticut. The statutory minimum is {$15000.00} in the State of Connecticut.
|
| 03/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
On XX/XX/2022, I went onto the Pentagon Federal Credit Union ( PenFed ) website and applied for the PenFed XXXX XXXX XXXX XXXX XXXX. After submitting the application, it automatically directed me to the application approval page for the PenFed XXXX XXXX XXXX XXXX XXXX. Not only was it not the card I applied for, the terms, conditions, benefits, and promotional offers are completely different. Now I have one additional hard credit inquiry on my report and a credit card I do not want.
I communicated with a number of representatives from PenFed attempting to resolve the issue. They confirmed that my application was indeed for the PenFed XXXX XXXX XXXX XXXX XXXX, but their credit card department decided for me that the other card was more suitable. So they changed my application to the XXXX XXXX XXXX XXXX XXXX without my consent.
I have applied for many credit cards before, and the applications were either approved or denied. Never had I encountered a situation where the financial institution changed my credit card application without my agreeing and gave me a card I never applied for.
|
| 05/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I paid this auto loan off in full & Penfed credit union received payment on XXXX, it is now XXXX, almost 5 months later and they still haven't completed the electronic lien release like they should have done within 1-2 weeks after I paid the loan off. I called them several months back and they were supposed to complete then and follow up and call me back. That never happened, I am now in the process of trying to sell the vehicle XXXX XXXX XXXX # XXXX. I can't get a title or complete the sale until this is completed and the buyer is getting ready to walk from the sale due to these delays & mistakes by Penfed credit union. I have been on the phone with them again multiple times per day again since Monday XXXX and I requested they complete this several times a day and they still haven't completed the electronic request/lien release with the DMV/department of motor vehicles after 10+ requests at this point as I just went yet again to the local DMV to try and obtain the title to sell the vehicle. PenFed credit union / XXXX / www.penfed.org is responsible & the loan # XXXX, XXXX XXXX XXXX.
|
| 08/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
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I am a federal government employee with the XXXX XXXX XXXX XXXX in XXXX Texas they advise us to bank with XXXX XXXX or Penfed I have also filed with the state attorney general office below on this same matter. I am a victim of identity theft I am having the same problem with Penfed Bank I had provided them with the same documents as well I uploaded them onto their website they notified me that they clear that fraudulent account which the balance was XXXX at first they told me they would open me another account which they did but they place it on hold until the balance of XXXX was a clear up I told them I would not pay for something I did not do they informed me they received my documents but do not want to do business with me and I thought that if a person is a victim of identity theft they are not held accountable and which these two banks are holding me accountable for my identity being stolen. peddled received my documents on XXXX I resent them the documents again on XX/XX/XXXX and XXXX ofXX/XX/XXXX the same thing happened with XXXX XXXX and XXXX XXXX they are including as well
|
| 06/21/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XX/XX/2021 we applied for a HELOC at PedFed under my husband 's name, XXXX XXXX and we were offered a {$110000.00} line of credit. PenFed ordered a 3rd party drive by appraisal that came in at XXXX.
We decided to wait and file our taxes with less deductions, pay off our truck, and I also received a {$40000.00} salary increase when I changed jobs. This month we reapplied for a HELOC at PenFed under my XXXX sounding name, XXXX XXXX, and our house was valued at {$360000.00} using the same PenFed appraisal process. I find it hard to believe that our house value dropped that considerably and the documents don't support the market going down in my area.
We were offered the exact same loan amount this time despite my higher salary, less debt, and less deductions taken on taxes.
I believe this was because instead of the white, male sounding name by XXXX name was discriminated against.
When I contacted PenFed to get more information regarding the discrepancy I was responded to in a rude and dismissive way. The woman who took my call was named XXXX, I didn't catch her last name.
|
| 11/29/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
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|
On XXXX I have called Pentagon Federal Credit Union and requested closure of my savings account and closure of my credit card account. The savings account at the time had {$5.00} surplus or positive balance and customer service representative has assured me that I will receive check in the mail for {$5.00}. The credit card account had {$0.00} balance at the time and there was no pending transactions, by the way, I have not used the credit card for weeks. Today, on XXXX PenFed has sent me three different emails informing me that in the future I will be charged {$2.00} for paper statement they will send by regular mail for the savings account and {$1.00} for paper statement they will send by regular mail for the credit card account. The third email is about discontinuation of the electronic tax forms.
PenFed has no rights to charge customers any fees for mailing the very last statements when customers close the accounts in good standing. These three emails may be sent in error by PenFed but I am still taking it seriously by the huge financial institution to my consumer well being.
|
| 04/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/XXXX I received a pre approved offer for installment loan at a lower rate to be used for paying off other debts at higher interest rate. I applied, submitted additional documentation as requested and hard inquiry was done by the company to check credit. I attempted to contact the company on multiple occasions based on email stating I should receive response within 24-48 hours. These attempts started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and subsequently today XX/XX/XXXX, to hen at my request for information I wan informed the loan was denied, no reason provided.
I believe the impact to my credit score due to this inquiry has been harmful to my ability to regain a positive credit standing and the lack of follow through or due diligence by this company is in violation of the Fair Credit Act as they did not provide suitable, notable or timely response based on the information provided to me.
I would like this inquiry removed based on the neglect by XXXX to follow stated terms and agreements for credit offers and notification.
Best regards, XXXX XXXX XXXX
|
| 09/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have sent the company notices this is a debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my records.
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
XXXX XXXX XXXX XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA XXXX XXXX
|
| 07/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have spoken to PenFed several times about reducing the interest on my Promise Visa credit card and they refuse - even though I have a credit score of approximately 750. I have even offered to convert the card to their Gold Visa product, which has an inherently lower rate, and they still refuse. They say I have to apply for a totally new account, which would require me to add a new account to my credit, tarnishing my report, while also losing the history on my Promise Visa, further harming my report. They can, and should, simply lower the rate on my existing product. The rate on the card was quite low when I got it and has been adjusted upward due to the prime rate - which I understand is out of their control. That said, they should be reviewing accounts to determine whether the margin they add to the prime rate can be reduced for customer who have a perfect payment history with them and have never exceeded their limit. I would like to see my interest reduced to the 13 - 14 % range and feel that this is realistic based on the very positive relationship I have had with PenFed.
|
| 01/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX this Pentagon Federal Credit Union debt ( I don't know if it's for the credit card or personal loan, but those were also included in my XXXX filing. I filed for XXXX Bankruptcy on XX/XX/XXXX and XXXX XXXX XXXX was included in that filing. I no longer owe this debt. I asked my Bankruptcy Law Firm today, XX/XX/XXXX to send a " Cease and Desist '' Letter to XXXX XXXX XXXX. The amount of the debt is {$16000.00}. I don't recognize the last XXXX digits of the account listed on the credit report given. This could be my credit card or personal loan, that I no longer owe due to filing this Credit Card in the bankruptcy. This Debt Collection should not even exist and they need to " Cease & Desist '' the debt collection attempt for a debt I no loner owe due to XXXX Bankruptcy that was filed on XX/XX/XXXX, and Pentagon Federal Credit Union ( all accounts ) were included in the filing and even the debt collector XXXX XXXX XXXX. Any further collection is tied to that filing. This debt collection needs to stop and dropped from the open collections portion of my credit report.
|
| 08/19/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I applied and was approved for a {$40000.00} vehicle loan and PenFed completely mishandled my account to the point of my suspecting intentional manipulation. Pentagon had my {$40000.00} loan approved for application # XXXX. I corresponded with one of PenFed 's agents on the phone and he informed me that all I needed to do was submit my purchase order via fax and my loan for {$40000.00} would be approved. I thought the extra {$700.00} was odd, but I suspected it had to do with filing fees, etc. It turns out that they denied my loan the next day because the original loan amount was {$40000.00} and I increased the amount by {$700.00}. This was ridiculous for XXXX XXXX XXXX denying my loan for the additional {$700.00} on a total initial loan amount of {$40000.00} is absurd 2. A PENFED AGENT recommended the new loan amount and thus intentionally manipulated the situation into a denial. The other agents-Dylan ID # XXXX and XXXX ID # XXXX were completely incompetent while handling my situation. I now do not have the financing I need to purchase my vehicle and may lose the deposit.
|
| 03/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/XXXX we issued Ck # XXXX to XXXX XXXX XXXX in the amount of {$15000.00}, mailed it to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX. Few weeks later XXXX has advised us that they have not received the check. We immediately provided the information by sending them the front and back of the check. To our surprise, XXXX notified to us that they have no record of depositing the check via mobile. Nor did they recognize the signature/.endorsement. Also it showed Pentagon Federal Credit Union Routing # XXXX. We reported to our bank, XXXX XXXX at their Fraud Department. Since last year, XXXX XXXX has been handling this matter. On XX/XX/XXXX, we received a letter from them advising us that they have completed their research of our claim related to Ck # XXXX. However, they were unable to credit our account due to lack of response from Pentagon Federal Credit Union. On XX/XX/XXXX called the customer service of Pentagon Federal Credit Union. Asked which department that could address my concern. The customer service refused to route my call. In short, very uncooperative.
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On or around XX/XX/2020 I applied for a car loan refinance with PenFed Credit Union online. The application was under review and when the term and rate was given to me I declined the loan as they were not better that what I currently have. Additionally I called back to their customer service department and requested that the application would be cancelled. To my surprise the representative said that it was approved and that paper work was sent to my address for signature to which I reply that I didn't accepted the terms and conditions of the loan. The rep told me not to worry that she would cancel the application and that if I don't use the check nothing would happened ( which I haven't used the check ). On XX/XX/2020 I received an email notification that a payment to a car loan was due on XX/XX/XXXX, this came to a surprise to me and called back. The new rep said that I accepted the loan ( which I haven't since the beginning ). I told to cancel the loan and make the corrections on reporting to the credit agencies and to send me notification of cancellation of loan.
|
| 02/25/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
Case # XXXX My online acess with Penfed Credit Union was blocked for suspected fraud. I have a checking account and a joint savings account with my husband. I called and verified the transactions. I was not allowed to speak directly with the fraud department. The person filled out a report and said someone would be in contact with me. When I didn't hear anything back, I called again and was told I needed to submit a bank statement. The transfers were made to an app that does not generate bank statements.
I took screenshots that showed the transactions in question along with the name, account number, and routing number, I uploaded those to the website url I was given. Per the website I was told I'd hear back within XXXX hours. I did not hear back, so contacted them again. I received an email that the documents were forwarded to the appropriate department for review and I would hear back in XXXX hours.
I still have not heard back, can not access my online banking, or any funds. I have never had issues verifying transactions with any banking institution until now.
|
| 02/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I entered into a settlement agreement with Penfed for one loan and one credit card, where I would make two payments for the loan by XX/XX/XXXX and three payments for the credit card by XX/XX/XXXX. Instead, I paid off the terms of both the loan and credit card immediately on XX/XX/XXXX and XXXX, XXXX. I honored the terms of our agreement.
In XXXX, I contacted Penfed to enquire as to why my credit report isn't showing the terms of our settlement. My contact at Penfed, XXXX XXXX, advised she would look into it. She never responded to me again On XX/XX/XXXX, I received a letter from Penfed stating I was past due {$99.00}. I again emailed XXXX XXXX, asking why I was receiving this letter when the terms of our settlement agreement was met. She did not respond. I then called Penfed, and spoke with another agent who said she would get back to me. I have yet to hear anything back and my credit report continues to show innaccurate information. I am attaching the settlement letter, proof of payment from my Penfed online statement, and my email communication with XXXX XXXX.
|
| 02/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
On XX/XX/2020 I completed and filed all my Mortgage documents with the Loan Officer XXXX XXXX at Pentagon Federal Credit Union. XXXX stated it would be two weeks before a processor would contact me to proceed forward with the process.
On XX/XX/2020 I spoke with XXXX and stated a mortgage processor had not contacted me and was told by her the issue would be escalated to the member experience team. No reply was received.
On XX/XX/2020 I called again and was told my issue would be escalated. No reply was received.
On XX/XX/2020 I sent a text and an email asking for assistance on the above issue and received two emails back stating action would be taken. Still no reply XX/XX/2020 I called and talked to XXXX, then passed off to XXXX, then transferred to XXXX and was told my issue would be escalated and I would be contacted in two days. Today is XX/XX/2020 and still no reply.
I would just like to move forward with the mortgage process and my issue appears to fall on deaf ears. Your assistance will be greatly appreciated.
Mortgage # XXXX Best Regards, XXXX XXXX
|
| 08/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Four separate deposits were made in various amounts. 1 of the checks was returned to the maker and 3 were cleared into the account but because of the returned check, the account was closed. The checks were deposited and cleared XX/XX/2022 but have not been issued out to me as of XX/XX/2022. I've been given incorrect information nearly every time I've reached out to the institution about how to get these funds sent to me. I've been told to provide proof of deposit from the bank the money was pulled from despite the checks coming from a third party. I've been told to provide documentation that has the third party 's signature and a copy of the government identification as proof of the funds being cleared. I've been told that the check has been mailed out and would reach me by a certain time just to call back when the check didn't arrive and be told that I was given incorrect information and still have not satisfied their need for proof. It's been over a month with no straight answers or ways of resolving how to get access to my money. I don't know what else to do.
|
| 03/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I had run into financial hardship which in turn I settled the PenFed XXXX and PenFed XXXX XXXX credit card. The amount of the settlement amount was to be a confidential amount.
PenFed is not reporting the information correctly to the credit bureaus and as of XX/XX/2018 show conflicting information across XXXX XXXX XXXX, and XXXX. This is negatively impacting my credit score.
In addition, they are reporting how much the settlement amount was for paying the accounts for less. I realize they can report that the accounts were paid for less but they are reporting that I owe the full amount and am still late and they have in the last two months incorrectly reported the information and changed the information slightly each time damaging my credit.
I do not have a XXXX XXXX or XXXX account with them after paying them in full via a settlement agreement.
PenFed has been contacted and at this time this has not been corrected. I would have suffered and paid a settlement agreement for my mistakes but that doesn't allow them to report bad data and continue to harm me.
|
| 10/15/2016 |
Yes |
|
|
|
Web |
|
|
I applied for this credit card and I did not receive it due to " an IP address issue '' having to do with fraud. I never received this card in the mail. I never did any transactions on this card because I did not receive it. I now have a charge-off for around {$1500.00} that I am not liable for! How can I have charges on a card that I never received, never used and never had? I contacted this company as well as the credit bureaus and XXXX told me that I had to pay them. They did not care that I did not receive the card in the mail. They would not assist me, would not explain it to me and would not pass me to upper-management. They said that because they suspected that I was not the one to apply for the account ( I was, of course ) that they would not send out the card. So why do I have to pay them for something that I had no access to??? I 'm not, and it needs to be removed immediately. I do n't care whether that is a bunch of annual fees, or other fee, but I never had any access whatsoever to this card so this must be removed from my credit report immediately.
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this letter to inform you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft.
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, PENTAGON FEDERAL CR UN XXXX Date Opened XX/XX/2016 Balance {$0.00}, PENTAGON FEDERAL CR UN XXXX Date Opened XX/XX/2016 Balance {$0.00} These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy the reported payment history of these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
|
| 10/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
Had mortgage with PenFed Credit Union which we refinanced with them ( same company ). They held the old mortgage and are now holding the refinanced mortgage. Closed on the refinance on XX/XX/2021. We were charged 19 days of prepaid interest for XX/XX/XXXX- XX/XX/XXXX and paid 19 days of interest on the closing statement ( XX/XX/XXXX - XX/XX/XXXX ). That is a total of 38 days of interest for a month with 31 days. When the escrow balance was refunded ( check received XX/XX/2021 ) PenFed refunded 2 days of interest paid on the old mortgage. They still owe us at least 5 days of interest. I called them on XX/XX/XXXX about this and have gotten no where after many hours of trying to have them deal with this. I have included the latest email from the person at PenFed who said he would get back to me on XX/XX/XXXX. He has never gotten back to me and the only time that he did was to respond to me asking what the status is. I have included that email with the back up I am attaching. Note : the same company held the original mortgage and now holds the refinanced mortgage.
|
| 12/07/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
Penfed Federal Credit Union - Check # XXXX in amount of $ XXXX was deposited into Penfed savings acct on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, check was charged back. Ive requested documentation showing summary and to this date, have not received it via email. Penfed states check was charged back due to insufficient funds. Called multiple times and visited local office and each time was asked to submit additional documentation ( acct summary, check images, FRB confirmation ) thus the multiple uploads. Penfed insists check did not clear.
XXXX XXXX XXXX XXXX - Per statement provided, check cleared XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, funds were pulled again and at such time was insufficient funds since already previously cleared thus being charged a {$50.00} fee. Spoke with manager and was also provided full account statement showing funds cleared.
At this point, neither institution wants to take action to correct error. If funds cleared as stated, where did those funds go? All requested documentation has been submitted. Pls help!
Thank you for your time!
|
| 05/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Pentagon Federal Credit Union sold credit card debt that I had already paid over a year ago.I have contacted Pentagon Federal Credit Union about this issue and have not heard back.
I have been mailed and called several times by collection agencies with their tactics to sue or report me to the credit bureau unless I pay the debt that they show as still active from Pentagon Federal Credit Union.
The three credit bureaus ( XXXX, XXXX and XXXX XXXX ) all show my accounts as paid and XXXX balance after I paid them off last year on XXXX XXXX. However, I also have correspondence from Pen Fed on XX/XX/XXXX showing they sold my credit card debt to these agencies.
I have several agencies calling me at work and home, as well as mailing letters collecting against me daily.
PenFed has acknowledged they show the debt paid but have yet to correct their mistake. Its also very difficult to get in touch with a person at PenFed when you call. Meanwhile I live with the threat of a negative credit rating from these collection agencies, while I am trying to purchase a home.
|
| 06/14/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
Multiple unauthorized ATM withdrawals were made From XX/XX/XXXX to XX/XX/XXXX. The bank is making claims that the ATM withdrawals were legitimate because it was done using an ATM card. The bank stated that my PIN was changed from a phone number that is not mine.
The bank stated that since I did not lose my ATM card they are denying the request to deem the ATM withdrawals unauthorized. The bank believes that just because the card has a chip, that it is not possible that the card can be used unauthorized.
The bank refused to acknowledge that there were multiple attempts to withdraw large amounts of funds at one time which were denied. The unauthorized person resorted to do 5 daily withdrawals of {$200.00} each. The security protocol in place failed to deny withdrawals that exceeded the max daily amount of {$400.00}.
After I reported the unauthorized theft on XXXX and after being given the runaround by the customer service, the bank stated to do a Police report, which was done on XXXX. The bank still denied to give credit for the unauthorized withdrawals.
|
| 12/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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On or around XX/XX/2021 I sent PENTAGON FEDERAL CREDIT UNION a Cease and desist notice to stop all ILLEGAL activity. In the notice provided ( see Exhibit A1, A2, A3 ) you can see I have addressed to PENTAGON FEDERAL CREDIT UNION that Pursuant to 12 CFR 1026.13 ( a ) ( 6 ) see Exhibit B : the billing statement I have previously received is a billing error, Provide documentary evidence as the definition states in 15 U.S.Code 44 ( see Exhibit C ) that includes all documents, papers, correspondence, books of account as described in IRS Publication 583 ( Record Keeping ) and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I require this clarification in order to address the billing error for the amount shown in my latest statement. I need to clarify who funded the account and how much is owed according to the journal and credits of account and ledger and debits of account to verify from the current accounting and taxes associated with this account.
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| 10/07/2020 |
Yes |
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Web |
Servicemember |
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I received the initial preapproval letter from PenFed Credit union on XX/XX/XXXX, XXXX.The loan is for a 30 year fixed loan. The expected close date of XX/XX/2020 was listed on the preapproval. On XX/XX/2020 I was allowed to do a 60 day lock. I have tried contacting the Loan Officer and the Loan Processor by phone and email. The loan processor have not called or emailed me back. I emailed both of them in the same email on Tuesday XX/XX/2020 letting them know I would be filing a complaint if I did not here from them today ( Wednesday XX/XX/XXXX by XXXX ). The Loan Officer emailed me back and stated he was busy catching up from weekend and he would reaching out to processor to provide an update. No update received. I've called the bank on a few occurs asking for assistance with no help received. I don't know where I'm at in the process and no one is telling me. They have not requested any information to support the pre-approval. If the close day is not going to happen on XX/XX/2020 the seller and the law office needs that information and I can't get it.
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| 12/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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PenFed makes in incredibly easy to make online payments. The problem is that these are interest payments. I would like to make principle only payments, which lowers principle quicker and reduces overall interest charges over the life the loan. PenFed intentionally obfuscates the process of making a principle only payment. They require a phone call and have an intentionally complex and long phone menu that takes a minimum of five minutes to reach a human that can assist. I have been informed there is no direct line or quicker way to a human. A rep had a suggested I try calling a credit/debit card support line to get a human quicker, which worked, except the rep I received was completely unhelpful and could only requeue me. There is no reason at all to make this process so obtrusive, except for the fact that PenFed is attempting to maximize the interest collected ( at my expense ) over the life of the loan. The payments I am attempting to make are between accounts at the same credit union, so there should be no reason I can't do this operation online.
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| 12/14/2023 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem accessing account
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Web |
Servicemember |
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Hello, I had a security issue with my phone and decided to upgrade all financial account logins and passwords. I did so with no issue on XXXX XXXX XXXX When it came to PFCU the site would not process the updated password, I tried 2-3 times thne the next business day called in and spent over an hour trying to resolve. Finally I got a manager XXXX who was polite and attempting to do what he could but after over 2 weeks there has been almost no reply and no solution to update the security of my accounts. I have also had trouble receiving email alerts that statements for credit cards are available. It is important as this is the way I know they are due to be paid. PFCU admittedly has had issues with their online presence. Minor things not working is frustrating but tolerable. Not being able to update and better secure your accounts is not. Maybe some prompting from your agency will help all PFCU members. Note- the customer service people are very polite and professional, but the management overseeing their online presence should be replaced. Thank you
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| 07/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I have several outstanding issues that remain unresolved with my PenFed accounts.
1. My auto loan title thing remains unresolved. I had previously sent the original title as requested by PenFed. Then when they lost that, I sent a copy. They did n't accept a copy so I had to get a duplicate title which they 've now acknowledged receiving but the issue is not yet put to rest. This was the subject of a previous complaint.
2. My first mortgage loan still has mortgage insurance on it. This was the subject of a previous complaint - PenFed agreed to remove the mortgage insurance once an appraisal came back with a value that put the loan to value ratio below 80 % ... which has been done but I am still being charged MI.
3. My home equity line of credit application is still in limbo.
4. I was charged twice for the appraisal. I was promised a refund but this has not yet materialized.
5. My application for an XXXX XXXX travel points card has not been processed.
6. My overdraft line of credit is not linked to my checking account rendering it useless.
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| 01/09/2017 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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Pentagon Federal Credit Union / Pentagon XXXX is attempting to collect a debt that was included in a bankruptcy, paid in full per the plan and discharged ( Case XXXX ). After many months of disputing this tactic with Pentagon Federal Credit Union with the credit reporting bureaus, CFPB, and the US Department of Justice, Executive Office of the US Trustees was Pentagon Federal Credit Union 's attempts to collect discharged debt was halted and incorrect credit history corrected.
However, Pentagon Federal Credit Union is now re-attempting to collect the discharged debt by labeling the account as having a past due balance and being a charge-off. XXXX still reports this account as such on my credit file. XXXX and XXXX have corrected the account to show included in a chapter XXXX bankruptcy and with a {$0.00} balance.
Attached is the Chapter XXXX Discharge notice that has been sent to Pentagon Federal Credit Union multiple times ; and how XXXX is incorrectly recording the account per Pentagon Federal Credit Union and its attempt to collect the debt.
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| 04/13/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Pentagon Federal Credit Union has a publicly posted policy that in branch withdrawals of {$2000.00} or more require 24 hours notice. I gave the branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX notice on XX/XX/2023 at XXXX notice I need to withdraw more than {$2000.00} from my checking account. It is now 72 hours later and I have been unable to withdraw funds my checking account. There is no direct phone number for the branch or branch manger. Unfortunately, the branch is a 35 mile drive one way so I am not easily able to just go talk in person. I have called the publicly posted phone number, XXXX, multiple times with representatives telling me they will contact the branch manager. The first name of the manger is XXXX, I have not been given his last name. I have been told three times over the past two days that XXXX the branch manager will contact me directly to discuss my request. My deposited funds are being held hostage and the bank is not following their policy. I am unable to make a purchase I need because the bank will not release funds.
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| 02/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Older American |
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XXXX XXXX I was connected with XXXX in the delinquency control department during this recorded call said that if I brought my loan ending in XXXX current my monthly payment would be {$150.00} per month so I agreed and brought my loan current. I called back later that day and spoke to XXXX who also confirmed that that my monthly payment would be {$150.00} per month. After bringing my loan current my account page at www.penfed.org showed a monthly payment of $ __.__ This changed in XX/XX/2022 to {$590.00} per month. I have been making the agreed upon payment of {$150.00} per month but Penfed has damaged my credit stating that I am past due. I have spoken to XXXX 's supervisors XXXX on XX/XX/2022 and XXXX XXXX who have been able to access the recorded call between myself and XXXX on XX/XX/XXXX and both have acknowledged the terms XXXX told my of {$150.00} per month. They said XXXX 's employment with XXXX has ceased and that she made a mistake and that the monthly payment should have been {$590.00} per month. They can't help me resolve the situation.
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| 04/11/2017 |
Yes |
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Web |
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I truly do not like filing this complaint against PenFed, overall they provide a great product and their representatives have always been respectful. However, their needs to be a policy change on how Balance transfers to Navy Federal Credit Union are handled.
On XXXX/XXXX/2017 I took advantage of a promo to transfer balances at 0 % interest for 12 months.
I transfered {$2700.00} to my Navy Federal credit Union account and provided all the correct information. However, the balance transfer was mailed to XXXX. Now XXXX separate reps. for Pended has informed me this is Penfed 's mistake and is will takes weeks or longer to receive the check back.
My complaint : if Pended ; s recognizes this is their mistake, why are they not take responsibility. why is the {$2700.00} still on my account and deducted from my available credit. Why has n't PenFed simply stop payment? I am unable to reassure that balance transfer until the account is credited.
Lastly, why are the balance being reported to the credit bureaus including the {$2700.00} balance transfer?
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| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have attempted to get this matter corrected and resolved for several months, but all of my attempts have been unsuccessful. No one at PenFed has taken the time to address my concerns regarding my credit report. PenFed has continued to report discrepant payment history for different months on my credit reports. The discrepancy happens to be only 1 late payment. I've attached my credit report as proof of the discrepant reporting that has not been corrected.
In the spirit of compromise, and in exchange for several months of inaccurate reporting and credit denials, I would be willing to accept the month for this 1 late payment to be reported as No Data or Unknown.
This PenFed account is being reported as 30 days late for XX/XX/2023 on XXXX and XXXX, and late 30 days for XX/XX/2023 on XXXX. The single late payment is being reported on two different months with different bureaus. There is no consistency with how this late payment is being reported to my credit files. I have attached a copy of my credit report to prove this discrepant reporting.
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| 10/03/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XX/XX/XXXX, I called my institution Pen Fed located in Nebraska and requested money transfer to XXXX XXXX University. On XX/XX/2018 I was contacted by the financial aid department at XXXX XXXX University which stated to me that the wire transfer has not been received into my student account at XXXX XXXX XXXXXXXX. Mr. XXXX XXXX from XXXX XXXX University called on XX/XX/2018 at XXXX Central Standard Time to notify me of money still has not been received in my student account. When I spoke to XXXX who taking the request Per XXXX XXXX XXXX to wire money into my student account left the same day as another check sent by via mail to a storage facility. This left me XXXX in my account after the XXXX hundred dollars was subtracted out of my account Per : XXXX ( Pen Fed Credit Union ).
The account that the funds were to be distribute to was XXXX XXXX XXXXXXXX Routing Number XXXX Account Number XXXX Student Account is my cell phone number XXXX Address XXXX XXXX XXXX XXXX XXXX AZ Per Mr. XXXX XXXX who gave information to XXXX at Pen Fed Credit Union
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| 06/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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I have a personal loan and an auto loan with Pentagon Federal Credit Union. Over the past several months, I have been contacted numerous times by the credit union with unreasonable requests and demands. For the personal loan, they continue to send me promissory notes to sign - however, I refuse to sign them because they have the incorrect interest rate listed on the contract.
With respect to the auto loan, I have been contacted several times to provide a copy of my license and proof of insurance and to sign and return documents. I have done all of these things. They also contacted me requesting the title - so I contacted the previous lienholder and was told it was being sent over again. It was then communicated to me that they had everything they needed. A couple of months later, I receive not only another demand for the title but also notified that my auto loan rate was going to be increased to 14 % immediately. I believe there is something amiss with this credit union and some action needs to be taken so they can get their act together.
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| 05/24/2016 |
Yes |
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Web |
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I cancelled my service with XXXX yet was still charged for it on my Pennfed Credit card. I called XXXX XXXX radio and was promised a refund, but never received it. I then disputed it with Pennfed. I both emailed back and forth with customer service and mailed the form. However, they claim it was never received and would not help me resolve the matter. In this day and age it is absurd that only snail mail is accepted, but that is another issue. I did my part and should have received the protection from Pennfed regarding my dispute. I had a credit line of XXXX. I never paid late. I am/was a great, reliable, trustworthy member. And I was treated with disrespect and offered no recourse for the bogus charge. So, I choose not to pay it was not authorized by me. Now Pennfed has charged fees, on top of fees and reported the negative account on my credit reports as expected. However, I am asking for your assistance in resolving this matter as I do not owe them anything. They should have disputed the charge on my behalf as indicated on my statements.
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| 04/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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There is an account from Pentagon Federal Credit Union that has continuously been reporting a charge-off on my credit report on a month-to-month basis, even though it was closed since XX/XX/2017. I have previously submitted disputes to the credit bureaus and Pentagon Federal Credit Union directly.
Upon checking my credit report again now in XXXX, the account has not been corrected or removed. I also see that the dispute remark is missing. The account also states it was closed at consumer 's request ; I never requested to close the account.
If an account was truly closed because I requested to close it, how can it continuously be reporting a charge-off each month? This is inaccurate because the account is closed.
How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information.
It is also unfair to report negative information but not positive information, specifically the on-time payments I have made on the account that are showing as " No Data ''.
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| 12/03/2021 |
Yes |
- Student loan
- Private student loan
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- Getting a loan
- Denied loan
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Web |
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Started an application with Pen Fed Credit Union for XXXX XXXX XXXX around XX/XX/2021. Started the application through XXXX and they pushed me to Pen Fed as my best Refinance choice. Both of these places had application processes that asked where your income comes from. On both application processes I told them about both of my jobs including a XXXX job and a XXXX XXXX job and listed my incomes for each. Never were requirements for the application to be approved given. My income etc. automatically qualified me. Pen Fed then returned with requirements that my self employed income be verifiable for XXXX years through tax returns. Where are these requirements listed and given during the application process? I provided bank statements, account transfers, ledgers for my business and my personal income and a letter from my employer. None of this was good enough. Pen Fed ran my credit when it was unnecessary. There is no reason these requirements should not automatically be provided when I input self employment income into the application.
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| 10/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
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Web |
Servicemember |
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I would like to share that this company went into business with a corrupt, fraudulent, predatory loan company named XXXX XXXX XXXX. I had solar installed at my home from a company called XXXX XXXX that is now out of business and went bankrupt. I'm a customer that has a loan and they listed me as a creditor because they owe me {$7000.00}. I spent {$81000.00} that XXXX paid XXXX way before installation. I tried to cancel this loan and they wouldn't let me. I have a balloon payment in 18 months to come up with 26 % of my loan or payment will go up. Hmmmm ... .coincidence that it's the same percentage that XXXX stated we would get back in taxes? Yea, I think not. I pay $ XXXX {$1000.00} a month between my loan and my electricity. I'm a XXXXXXXX XXXX veteran and YOU ARE BACKING UP AND GAVE MONEY TO A PREDATORY LOAN COMPANY! Your credit union is all over my contract, they're buying shares in their customers name WITHOUT their knowledge. My system don't even work and I HAVE to keep paying. They put a lein on my home, this is criminal!!!!
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| 10/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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re : The PenFed XXXX Visa Card offered by the PenFed Credit Union In XX/XX/2022, I received a notice from PenFed Credit Union of my pre-approved offer for a PenFed XXXX Visa Card. I followed the procedures in the offer letter to accept the pre-approved offer. I received the card some time in XXXX. It is now XX/XX/XXXX and after multiple attempts I have been unable to access my account via the application or online through the website. On or about XX/XX/XXXX I spoke to a PenFed representative regarding my account and discovered that my account had been 'blocked ' by the PenFed 'fraud ' department. I have never been able to access my account online nor have I received a statement so that I might be able to review transactions to verify if there are any mistakes on my account. I believe this to be a breach of the Fair Credit Billing Act and a breach of the Cardholder Agreement. Further, I have been prevented from speaking with a Representative in the Financial Security Department to discuss the reasons for my account being blocked.
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| 12/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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Good afternoon, My name is XXXX XXXX XXXX XXXX of account is XXXX XXXX XXXX of new account is XXXX Ive been informed that my account is restrained. This should not have occurred. I would like XXXX to review and respond to why it occurred. My account was compromised. I notified XXXX of the fraud and how I believed my account was compromised. I was told by a fraud department agent that I would receive a new checkings and savings account and that somebody would call me with instructions on how to reset my online account with them as well to secure my account. Nobody called me. I called XXXX and XXXX representatives promised my account would be returned back to its normal state and somebody would call me on how to reset my online and it is now on permanent restrained. I believe there is a mistake being made. It would appear my account was compromised and Im being punished unfairly for it. I have been getting the run around and its making it very hard to pay my auto loan. Please help me with this incident.
Best regards, XXXX XXXX
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| 01/20/2022 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
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Web |
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On XX/XX/2022, I contacted via email Pen Fed Credit Union and requested an overview of my monthly required payment and a copy of my Promissory Note. I response was forthcoming other than an automated reply, which assigned me Case # XXXX.
Having no response, on XX/XX/2022, I called PenFed and again asked for an overview of my payment obligations and a copy of my Promissory Note. I was told that the payment amount was {$1000.00} per month. However, I was not given any information about the terms of the loan agreement. I again requested a copy of my Promissory Note. None was forthcoming.
Again, on XX/XX/2022, I contact Pen Fed via email and asked for a copy of my Promissory Note. I was assigned case # XXXX. In response, Pen Fed mailed my a copy of the Credit Agreement, which does not include the basic terms of the loan ( e.g., no information about the term, interest rate, etc. ) Pen Fed did not provide a copy of the Promissory Note.
On XX/XX/2022, I again requested a copy of my Promissory Note and none has been forthcoming.
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| 05/12/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
Servicemember |
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XXXX / XXXX / 17 - I calle d Pentagon FCU to en sure our XXXX payment had been made as my husband had passed away on XXXX / XXXX / 17 . The mortgage was only in his name. I paid the mortgage and was asked if I would like to be contacted in regard to my options for the mortgage going forward. I said yes. From this call all my joint accounts were frozen. XXXX / XXXX / 17 - I hand carried the paperwork and death certificate to the main branch of PenFed in XXXX VA. It was to be faxed to the estate department o f PenFed. XXXX - I called as I have not received any information regarding the mortgage, I do not have access to the information regarding the mortgage, and I have to call each month to make a payment and I have to remember to place the call. I was told that it was necessary to provide a death certificate - told them that had been done a month prior and that it was hand carried to them. I was told that someone would contact me - still no resolution or correspondence from PenFed regar ding the issue.
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| 09/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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So I reached out to Pen Fed several times I sent on a 1099 a acquisition ofAbandonment of secured property which includes home, car, etc.To which they accepted they never sent it back and denied it and I have requested a 1099C cancellation of debt to which they refuse.All of my accounts with this credit union is backed up by the US treasury to which these accounts are already paid for and Im making double payments which is against the law these accounts are affiliated with XXXX XXXXXXXX.These accounts have promissory note which the definition is note is a financial instrument that contains a written promise by one party .the notes to maker or issuer.to pay another party, the payee a definite sum of money either on -demand or at a specified future date. I Request a 1099C cancellation of debt for all accounts affiliated with this institution personal loan Closed and paid forand automobile loan a lien release free and clear.And to have all of these accounts removed off of my personal consumer report from all of the credit Bureau
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| 10/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
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Web |
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Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are XXXX XXXX fraudulent charges on the credit cards in my walletat the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to one I have no association with ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ). Lastly, I reviewed my XXXX credit report and found thefraudulent address listed in addition to XXXX ' unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XX/XX/2023.
In addition to the fraudulent charges amounting to {$10000.00}, this particular credit card was opened without my knowledge or authorization. The account that the fraudulent charges are related to is under a different name and demographic information and the merchant is a sports betting entity ( XXXX XXXX XXXX XXXX
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| 09/07/2016 |
Yes |
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Web |
Older American |
|
I transferred a credit card balance of approximately {$3600.00} to Pentagon Federal Credit Union ( PenFed ) on their 0 % balance transfer program in XXXX 2016. After a few months on the program, I noticed that my account was being charged interest. This is not an obvious thing as I have a Platinum 'rewards ' card and usually received some credit each billing cycle as a result of gas purchases. I did some rough math and determined that I was paying interest on purchases on an average from the purchase! Not from the billing date or the period after that! I called PedFed and talked to Customer Service. The technicians were at a loss trying to explain what was happening. I was transferred to a Lead/Supervisor named XXXX and got enough of an understanding that it came to one question : Could I pay the total balance with the advance and othe transactions and clear it up? XXXX 's response was yes. How I started paying interest on an undisclosed process bothers me a lot. I wrote a letter to PenFed 's President dated XXXX XXXX 2016.
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| 02/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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In XX/XX/XXXX I became aware of a fraudulent credit card opened with Pentagon Federal Credit Union. I did a dispute over the phone in XXXX, and it was not resolved. I sent a formal dispute through my identity monitoring company with a full identity theft package including proof of id, proof of address, identity theft affidavit, police report info, etc to the company on XX/XX/XXXX. On XX/XX/XXXX, when following up on the dispute, XXXX at Pen Federal stated that the representative who was working on the dispute/case no longer worked for the company and asked us to resend the dispute package again because they could not locate it. A dispute package was resent to the email they provided for XXXX XXXX XXXX We have never received confirmation that the account was being disputed under FCRA regulations. In XXXX Pen Fed started collection actions on the account although they confirmed that they saw the account in dispute. They have not sent any correspondence and are in violation of consumer rights under FDCPA and FCRA regulations.
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| 03/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American, Servicemember |
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XXXX & XXXX Check number XXXX was written to me by XXXX XXXX XXXX ( my wife ) on XXXX XX/XX/XXXX. I deposited the check to my Pentagon Federal Credit Union ( PENFED ) checking account, via ATM at XXXX XXXX, VA on XXXX XX/XX/XXXX. XXXX & XXXX indicates the check was cleared on the same day ( XXXX XX/XX/XXXX ). Subsequently the check was presented to XXXX XXXX XXXX on XXXX XX/XX/XXXX. PENFED received a PAID ( duplicate item ) adjustment from the Fed on XX/XX/XXXX and did a debate adjustment on XX/XX/XXXX. PENFED reversed the deposit while XXXX & XXXX debited my wife 's account. I have attempted to resolve this issue with both PENFED and XXXX & XXXX, without success, with both institutions indicating the other would have to act. Copies of the check with both the PENFED stamp and the XXXX XXXX XXXX stamp are available upon request.
The last time I physically handled the check was on XXXX XX/XX/XXXX when I deposited it in the ATM. How it was deposited a second time does not seem to be of any interest to either institution.
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| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Penfed screwed up my home equity loan, and reported me late on a payment in XX/XX/2021. My original account was with XXXX XXXX XXXX XXXX. XXXX closed and transfered all members to Penfed FCU. Pedfed had troubles getting my home equity loan migrated to their system. I repeatedly called them in fear of being marked late. They assured me that would not happen. A day or two later, I received a phone call from Penfed that I was late on my account. I made that payment with that caller immediately, but not before Penfed already reported to the the credit agencies. I was not late, and Penfed agreed that it was their fault. I have a letter from Penfed acknowledging their error. But they had already reported it to the credit agencies. The letter dated XX/XX/2021 states that they will correct error and have my accounts through the agencies cleared. As of this writing, XX/XX/2021, the credit agencies still show that late payment, and have reduced my credit rating. I've tried to contact Penfed, at this time there has been no response.
|
| 12/26/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
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Web |
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Pen fed is scamming people out of money. I have multiple cd due.
They hold your money. My cd expires on XX/XX/XXXX and they say my money is not available until XX/XX/XXXX. This is a lie no other institution does this. They claim it is done by midnight on the XXXX which it is not. My funds should be avail on the date the cd matures.by close of business day Then I put a wire in and they say the wire first thing in the morning which they say turnaround takes 3-4 hours they extensively verify my over the phone. 6-7 hours later they have not processed my wire, when I call they say are taking extra precautions What precautions they are not contacting me to verify again. This is another stall tactic to not release my funds. They did not process my wires on a timely basis. They kept stalling. Absolutely horrible experience.
This is a scam so they can keep my money for 2 extra days with out paying interest. It is a nightmare and they are no tho orI g maturity dates on their cds or honoring their wire transfer on a timely basis
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| 11/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
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I have a checking and savings account with Pentagon Federal credit union for over XXXX yrs and discovered that there were many international wire transfers from my account since XX/XX/2023. I immediately reported this to Pentagon Federal Credit union in XX/XX/2023 but there has been no return follow up from the credit union. I have called several times and even went to the XXXX branch but all they could tell me was I needed to set up another password and send them a utility bill to verify my identity. I finally was able to upload the utility bill last week but still have not heard from them. The amount that was internationally wired was over {$100000.00}. The credit union said they cant see where it was initiated and the location it was sent. This is absurd how this information cant be found from my bank that supposedly has my money safe. Is there anything you can do to help me recover my money? It seems the Credit union has shut the door on me, which is the reason I am reaching out to your dept. please advise thank you.
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| 11/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
Servicemember |
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On XX/XX/2022 at approximately XXXX XXXX I applied for a credit card with PenFed because I met the requirements to apply. Upon submitting the application, I was instantly denied due to what can only be described as discrimination. My income is high and my housing expense is low so there is no valid reason for the denial.
When I called the customer service department at XXXX to inquire, I was told that my credit card utilization was too high and my credit age was too young and that even if I had access to higher lines of credit, it's possible for me to use all of the credit and that's why my application was denied.
Under the XXXX, a potential creditor does not have the right to deny an applicant that applied in good faith effort due to discrimination. This is not the first time I have been denied any lines of credit from this organization as I have XXXX inquiries that are listed on my credit report and only XXXX that was authorized by myself. But PenFed refused to reconsider or remove the inquiry I did not authorize.
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| 04/10/2022 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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Me and my wife installed solar and financed with a company called XXXX. As part of the process they offered us a credit union account with PenFed. We declined, nver filled out the paperwork to enroll in this credit union. We then received information about our bank account under just my name not my wife 's name from PenFed, I called and declined the account that we never signed up for, they said they can't close it, we would have to have XXXX close it, I called XXXX they said they have nothing to do with the account being open. I have called and emailed PenFed Credit Union many times, now they won't respond to my emails, and last week recieved a Welcome to PenFed folder for my new account, they also send me a {$5.00} check which I am sure to get me to deposit the check as a way to solidify agreeing to this account. I want this account closed and it's impossible to get them to do it. I have read their reviews on line and they seem to be a scam of a bank that has very bad reviews. How can I get them to close this account.
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| 05/26/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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This issue began last year,XX/XX/XXXX around this same time. I got into some financial troubles so fell behind on payments however each time I was contacted ( at this time only once per month ) I spoke with the rep and expressed my desire to NOT have the credit line closed and that I would make payments to catch up. Fast forward to XX/XX/XXXX, I made a {$300.00} payment towards a {$580.00} balance, it was only AFTER the payment was submitted and my credit report updated did that company then state the account was closed by consumer and they would not reopen, Ever since making that payment I have since been called on a DAILY BASIS! After SEVERAL requests to not be contacted and that I would cover the balance as soon as possible, They have since continued to call and recently started to contact my family members in regards to this account. They refused to remove the report stating I asked for the account to be closed which is a blatant lie, yet they continue to harass me day after day by leaving voicemails constantly.
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| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Has Violated my rights 1. PENTAGON FEDERAL /Account number # XXXX 2. PENTAGON FEDERAL/Account number # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 04/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Problem lowering your monthly payments
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Web |
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So I have been months behind on my credit cards, my personal loan and my two credit lines from PenFed credit Union. I called them about a week ago, maybe two and the man I spoke to said that I can make two {$100.00} payments to my two credit cards and then call them back and apply for temporary hardship. But after I went to the website, I noticed that my two credit cards were closed and the man I spoke with never told me that.
I feel that they are a predatory lender, because they approved me for a {$20000.00} loan with my girlfriend as a co-signer. Then I was approved later on for two lines of credit. One for {$4000.00} and one for {$5000.00} And I was also approved also for two credit cards, that are now closed due to being late on payments..
My mother had a light XXXX in XXXX so I went down there with my girlfriend. I didn't have paid time off so I wasn't working much when I was in Arizona to go visit my mother and now I'm really behind on all my payments to PenFed and other other places that I owe money to.
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| 07/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Struggling to pay your bill
- Problem lowering your monthly payments
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Web |
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XX/XX/XXXX, my wife was diagnosed with a XXXX XXXX XXXX XXXX XXXX in her XXXX. The XXXX went to her XXXX and XXXX and XXXX in a short time. While my wife was in XXXX XXXX XXXX PenFed Credit Union would call me while I was with my wife in the XXXX XXXX. I had explained to then the cituation that I could not afford to pay the Credit Card because my wife was no longer working. A person from Penfed who was a man called twice and was very, very rude. He was arguing with me and demanding the money. I told him my wife was fighting for her life and we could not afford to pay. After talking to two ladies at Penfed, they said he was not supposed to do that. I kept getting calls from Penfed while she was fighting XXXX. I was harassed while I was helping my wife fight for her life which ended on XX/XX/XXXX when she passed away in XXXX. Another company called. Another company recently did the same thing when I was harassed by then and the man threatened to sue me. He was very mean to me. The company is called XXXX XXXX XXXX.
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| 04/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I recently refinanced my auto loan with PenFed credit union upon signing the docs on XX/XX/23 I noticed there was no disbursement date listed so I could determine when interest would begin to accrue. After calling in to the service department an agent told me the loan would begin to accrue interest the moment I signed loan docs ( XX/XX/23 ) even though the funds were sent via check and not cashed for 12 days. I requested a call back from a supervisor and the second I picked up the phone it was disconnected and I received a message stating my call was returned. UDAAP My old finance company ( XXXX XXXX XXXX ) confirmed the funds were received an applied on XX/XX/23 which is the actual and correct disbursement date.
I should not have been charged interest for the 12 days as no funds were disbursed to me or the previous financing company. I also think trying to charge consumers for interest on a loan the company knows will not disburse for 10-15 days is an unfair, deceptive, or abusive act and practice. ( UDAAP )
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| 06/14/2021 |
Yes |
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Web |
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My company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX performed a VA appraisal for Pentagon Federal Credit Union. The appraisal was completed, submitted, and invoiced on XX/XX/XXXX in the amount of {XXXX}, the standard charge for a VA appraisal in XXXX XXXX, Virginia. On XX/XX/XXXX, when payment had not been received, the invoice was resent by email. On XX/XX/XXXX, the email was again resent by email with an added late fee. At no time was a response or payment received. On XX/XX/XXXX, XXXX XXXX, the POC for this appraisal was called. A message was left requesting a return call that day. No call was received. On XX/XX/XXXX, we went to the Pentagon Federal Credit Union website in an attempt to locate contact information that might lead us to accounts payable. After many transfers and 45 minutes on the phone, we were cut off. At this point, the last resort left was to file a complaint through the website regarding nonpayment and upload the extremely past due invoice.
The results were the same - no response, no payment.
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| 07/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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- Problem getting a card or closing an account
- Trouble getting a working replacement card
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Web |
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Ordered five {$100.00} pre-paid VISA cards through our PenFed Rewards program. Received XX/XX/XXXX with expiration date of XX/XX/XXXX. Contacted Penfed on XX/XX/XXXX because we didn't realize they expired so quickly. Asked for new cards to be issued in the amount of {$500.00} and that we were willing to pay the {$5.00} processing fee per card to do so ( {$5.00} x 5 cards = {$29.00} ), as printed on the cards. Penfed refused to credit the money or re-issue the cards, so I asked to speak with a supervisor. Received a phone call on XX/XX/XXXX and was told the cards could not be re-issued, nor could our {$500.00} be sent to us via check, transfer, etc. They also said they would not refund our reward points spent ( XXXX points ) to negate the {$500.00} loss. I asked to speak to that person 's supervisor and received another phone call on XX/XX/XXXX. I was told they would credit our reward points balance with XXXX points. So, at this point, we only received half of our points back, so we effectively lost {$250.00}.
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| 08/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX AV XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2018 Balance : {$0.00}
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| 08/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Hello, I reached out to my lender Pen Fed in XXXX of XXXX and explain how I had XXXX and was XXXX and explain to them that I was going through a financial hardship and they explained to me it was nothing they can do about it they have already gave me the amount of extensions that they could and I completely believe this is unfair so I would like to exercise my consumer rights section XXXX ( a ) XXXX ( b ) XXXX ( d ) right of rescission section 125 is good for three years. vehicle is already paid for by my Social Security number so technically Im paying for this vehicle twice which is against the law. They also broke the Consumer law with 15 US C1662B no down payment too much I paid one. They also broke the law with 15 US C1605 the termination of finance charges finance .I have been misled by his company and taken advantage of, I need someone to look into this matter immediately I have dealt with this company for a long time and Im truly traumatized define out how they Took a vantage of my consumer laws.
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| 10/14/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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We closed on our refinance mortgage on XXXX XX/XX/2021 with the bank 's closing attorneys. The refinance is with the Pentagon Federal ( PenFed, loan # XXXX ). The total loan was for {$400000.00} ( {$370000.00} to pay off the loan on our home currently held by XXXX XXXX Bank ) and {$63000.00} in cash back to us. Our current mortgage company was to be paid off the and funds deposited into our local bank within 5 days of closing. I have contacted PenFed at least 8 times over the past few weeks, no one has an answer and all state that " someone '' will call back- NO one has ever called me back. I talked with the Closing Attorney. She said this is wrong. She has never heard of this happening and recommended that I call the Title Attorney - no response from them either ( XXXX and XXXX, XXXX, GA ). We have received 2 bills from PenFed for our 1st monthly payment on our loan. We have also, of course received bill from our current Mortgage company, XXXX XXXX ( because of course, they have never been paid ). HELP!!
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| 12/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XXXX XXXX, I traded in my XXXX " XXXX '' valued at that time by XXXX being {$7000.00} for a XXXX XXXX XXXX leaving me in debt with PenFed of XXXX. After hiring a Power of Attorney and falling into financial hardship, I have discovered that I was manipulated, bamboozled, and hoodwinked and through fraud I was pressured into signing paperwork and doing something I would of not done if I was instructed properly.That 's if I knew the law, had an Attorney, or knew my rights as an American. I was legally incompetent at the time I signed the " Finance Agreement/Contract ' and didn't understand what I was doing. If I had realized what I was doing and as my Lawyer told me was not an " Infant '' when I traded my " XXXX '' I would of not wisely went {$20000.00} into debt. I fill I have been exploited, mistreated and manipulated into believing the deal for my XXXX XXXX XXXX would be a better deal. I want to renegotiate the Retail Installment Contract with my Power of Attorney, and I request a New Deal. Thank you
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| 09/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I originally had a vehicle loan with XXXX XXXX XXXX XXXX XXXX is which in their admitted error placed CPI insurance on my account. My loan then went past due and during this dispute and escalation process against XXXX my loan was transferred to Pen Fed Credit Union but in a delinquent stage. I advised Pen Fed representatives that this is a mistake of XXXX XXXX and that I am not past due it is due to the CPI that was force placed that should not have been that my account is delinquent. After I escalated this issue to supervisors and a VP by the name of XXXX XXXX who was able to fix and update my account rapidly refunding over {$1500.00} to m account which placed it back at its normal payment and in a current status. Despite that issue being fixed it was reported that I was 30 days past due on two different occasions to the credit bureaus and I need those removed immediately. Pen Fed has acknowledged the mistake and removed all late fees from the account and apologized but this has not restored my credit.
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| 01/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I applied for PenFed XXXX credit card on XX/XX/XXXX and received the credit card on XX/XX/XXXX. When I activated it today ( XX/XX/XXXX ), I found that it is an annual fee charge of {$95.00} on XX/XX/XXXX. They did not notify me that I did not meet the requirement to waive the annual fee which they only said maintaining a checking account to waive the fee. There is no minimum to maintain the checking account. I contact the customer service, they told me the minimum in the checking account should be {$500.00} and another person told me that I should maintain {$500.00} daily balance for one billing cycle. They do not write these all on the advertisement and just change the words each agent while I tried to dispute the charge. They even charged the annual fee before my credit card is activated. Based on the term, they can not charged it before the card is activated.
" ANNUAL FEE. ... This charge will appear on your periodic statement for the billing cycle when it first becomes effective. '' XXXX XXXX XXXX
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| 09/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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On XXXX XXXX I was approved for a XXXX loan They also opened up a checking account t with there deposit of {$5.00} I decided that I don't need the loan.
I decided not to cash it and let it void.
Well on On XX/XX/2021 I received a email stating I owed XXXX for late fees. So I called and ask why? Sense I have not cashed the XXXX dollar check I was told by there team staff I am to cash it send it back to them and all charges will be dropped. Well I did cash it on XX/XX/2021 it took till XX/XX/2021 for check to clear. They deposited 2 small amounts of change into my bank account on XX/XX/2021. then I was able to deposit there check of XXXX to them Into the account set up by them for the loan.. I then was told I owe XXXX for interest fees after.
I was then asked for XXXX cents to close the account.. I believe I did not owe any money to them. sense I didn't cash the loan check..
Please this made my bank account XX/XX/XXXXtill next month.. can you help me understand this n how they can do this.. thank you
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| 03/02/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My account was restricted permanently. I had money stolen from my account and when I filed a claim, the bank retaliated against me by restricting my account access permanently. Its clear they just want to get out of reimbursing me. The law states that I am not liable for any unauthorized transactions. Yet, {$1000.00} was stolen from me and PenFed did NOTHING to help me or to get my money back. The account is FDIC insured up to {$250000.00}. But my claim was not approved and all fraud that was done onto the account by a relentless criminal was then blamed on me and told to me that I violated the terms and conditions. I followed all the terms and conditions and let the bank know of the fraud right away. IF PENFED OFFERS YOU FINANCIAL PRODUCTS OR SERVICES, RUN!
Such a terrible bank and the app is terrible. There is nothing secure about this bank. I believe this bank is embezzling my money for their own financial gain. I plan on filing a complaint with the ftc. I also plan on suing for damages is court.
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| 03/25/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
Servicemember |
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I received several letters in the mail XX/XX/2022 from a Credit Union stating that I had attempted to open several accounts with them, and another welcome letter containing a debit card. I did not attempt to open any accounts from anywhere.
The account that managed to be opened was opened on XX/XX/2022.
I found the Credit Unions website and called around until I got an employee who then flagged my account ( s ) as fraudulent. The employee said that I would be getting an affidavit in the mail from their fraud department that I would have to sign in order to close the account ( s ).
It has been a month since that call, but have not seen the affidavit come in the mail.
Today, I received a welcome packet from the same Credit Union for the same account number that the debit card came with, so I called again.
The person I spoke to today assured me that any accounts associated with my name are flagged, so nothing can be opened or used, and that the affidavit is definitely on its way. We shall see.
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| 03/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
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I have taken advantage of a number of the 12 month 0 % interest offers PenFed has made. As of my XXXX statement, I owed the following : {$2400.00} expiring XX/XX/XXXX ( started as {$3500.00} in XXXX of XXXX ) {$1300.00} expiring XX/XX/XXXX ( started as {$1900.00} in XXXX of XXXX ) {$930.00} expiring XX/XX/XXXX ( started as {$1000.00} in XXXX of XXXX ) After making regular monthly payments, in XX/XX/XXXX I made two payments : {$3800.00} on XX/XX/XXXX {$100.00} auto payment on XX/XX/XXXX As of my XXXX statement it shows that I still owe the following : {$430.00} expiring XX/XX/XXXX {$230.00} expiring XX/XX/XXXX {$160.00} expiring XX/XX/XXXX As I have carried no other balances with any other interest rate during this time, I have effectively paid off the balances due in XXXX and XXXX. I have paid back the totals which I have agreed to based on the 12 months 0 % interest offer.
The PenFed payment allocation rules will not honor the original agreements because I took advantage of a few different offers.
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| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft PENTAGON FCU Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX Account Number : XXXX This is not mine.
10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
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| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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A month ago, I had contacted PenFed CU to get access to my online account so I could pay my bill. My phone number had changed so when trying to login into my account, I couldnt get passed the verification because it was linked to my old number. I spoke to a lady who said she couldnt help me and the only thing I could do was to mail a copy of my drivers license and phone bill. I did that, then got an email saying the info provided was insufficient and no solution to help me getting online. I called today, spoke to a gentleman who said they have the info however they needed a colored copy of my drivers license. The guy said I could upload a new copy of my drivers through an online portal. Then he advised I would need to call back in 2 hours and they could move forward with updating my phone number. What does it matter if my drivers license copy is in black or white or colored?!
This has been a ridiculous long and tedious process. My credit has been hurt and still waiting to get my account paid.
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| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Pentagon Federal Credit Union has reported incorreect information on my credit report. I was not aware of this until XX/XX/XXXX when my credit report was reviewed. I contacted Pentagon Federal Credit Union on XXXX XX/XX/XXXX. A credit card was issued to a family member in XX/XX/XXXX. The credit card has been since charged off on XX/XX/XXXX. There was a balance of {$19.00}, XXXX. Through many conversations with different Pentagon reps, I was told that I was a joint card holder. I have never authorized or signed any forms as a joint or authorized used of the credit card. I was not aware of any Pentagon credit card. ( see attachedment of authorization form ). I have been calling and attempting to result this problem for nine weeks from XX/XX/XXXX until XX/XX/XXXX.
Pentagon has not returned any of my phone calls.
This problem has caused a very stressfull situation and a low credit score. Several of my credit cards were closed due to this incorrect reporting. I am not responsible for the balance.
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| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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A collection account was added to my credit report XX/XX/2023 by XXXX XXXX XXXX. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections.
I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : Pentagon Federal Credit Union Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/02/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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This is in reference to complaint XXXX previously submitted. Penfed did NOT address my concerns. I asked very specific questions in my inquiry that were not at all address. I would like my questions to specifically be answered and not a pencil whipped response. Why do I not get any assistance in dealing with XXXX XXXX? They tell me to contact my financial institution and will not assist me. Why did it take so long for them to get me copies of my statements when I changed my account number? Why will they not assist me in dealing with the XXXX XXXX XXXX XXXX. All of these questions have not been addressed. They are providing no help to me what-so-ever and instead are making a assumptions and a judgement call on my character. Their response is not a valid response because they did not address my individual question. Why did their system edits not detect fraud? This financial institution is deflecting any effort to help me and it required me to go through you just to get this response from them.
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| 12/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have been pre-approved a mortgage loan by Penfed credit union on XXXX, XXXX, got offer then go through all the loan process, however the underwriter denied my conventional loan process had issues interpreting the guidelines I found out attached links are proof improperly interpreting the guidelines XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . We have a longstanding policy on eligibility for non-U.S. citizen borrowers. XXXX XXXX purchases and securitizes mortgages to non-citizens who are lawful permanent or non-permanent residents of the United States under the same terms available to U.S. citizens.
XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Eligibility Requirements ( XX/XX/XXXX ) XXXX XXXX XXXX Eligibility Requirements. XXXX XXXX purchases and securitizes mortgages made to nonU.S. citizens who are lawful permanent or non-permanent residents of the United States under the same terms that are available to U.S. citizens.
XXXX XXXX XXXX XXXX
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| 11/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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I have made numerous complaints about PenFed Bank about an unauthorized inquiry on my report from XX/XX/2018. Each time they claimed different bs. Finally they made a comment in which i have the letter stating they will remove the inquiry from my credit report which they just said that to please the CFPBlile they were really concerned about doing what they said they were going to do. I have attacthed a screenshot showing that they have failed to remove it from my credit report and that it was recently updated with XXXX this month. I'm only writing just to let CFPB this company lied about what they said they were going to do. As of Monday XX/XX/2018 i will take the letter that they stated they were removing it from my credit report to a lawyer and take this matter to court. If they deleted like they said they were going to do they wouldn't have updated the credit bureau as of this month. They would have updated it as deleted but they chose not too so i have no other choice now on this matter
|
| 03/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
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Web |
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12 Cfr 1002 12 Cfr 1002.7 15 USC 1681 15 USC 1611 15 USC 1692 15 USC 1691 Any more violations shall Be found and given to the fraudulent corporation " Penfed '' which denied my credit extension im confused I don't understand. I am the Original creditor it say 100 % for my account I need this for my family we need funds for transportation to work I'm worthy I have good intentions I come to you in good faith as always CFPB pleas help me my federally protected consumer rights are getting violated.
XXXX credit for automobile loan Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act
|
| 07/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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my card was lost and stolen me nor my authorized user ever been to XXXX where the card and hotel was used, we never been to XXXX XXXX since we have a XXXX and a XXXX XXXX where we would never service XXXX cars they go to the dealers, this bank made lying slanderous remarks saying another family member used my card, there is no XXXX XXXX at this address i dont know a XXXX XXXX only people live in my house is XXXX XXXX , mom, XXXX XXXX , brother, XXXX XXXX sister and me that's it no one lives her she lied in her denial letter, THIS IS ILLEGAL she is clearly violating my rights under the FCBA she is saying this is a family or friend and i never MET or know anyone names XXXX XXXX , they clearly lied about the name to pretend it was me where XXXX XXXX and XXXX is not an XXXX name also a police report was filed with XXXX pd and ic3.gov report XXXX pd number XXXX phone number XXXX, she clearly didn't investigate she then claimed the signatures match and THEY DON'T these are not our signatures.
|
| 08/05/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
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Web |
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Penfed after receiving my complaint via CFPB stated my account would be closed due to fraud. I requested a detailed explanation of such yet the associate stated this was the determination of Penfed and nothing else could be provided. Previous communications with Penfed proved this to be untrue as I was told that my prior document was insufficient and that I had to provide a color copy with all pages available. I provided everything that was requested and contacted the utility company to see if they had spoken to anyone at Penfed they stated they had not. I waited over two weeks and feel this was a discriminatory act as I escalated the complaint. I spoke previously to the director of the loss prevention department and he stated there were no issues with my documents. 8 different Penfed associates reviewed my documents and no issue was ever brought forth. They stated they are not going to restore my account because of fraud yet have provided no proof of such as I have not committed fraud.
|
| 04/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
My daughter goes to school at XXXX in XXXX, HI ; she is XXXX years old. She wanted to buy a car so I told her I would co-sign on a loan for her. I received and filed out a credit application form from Pentagon Federal Credit Union ( PENFED ). Some time later I learned from her that she had gone in to the dealer and signed the load papers and left with the car. They had not sent the promissory note to me to sign. I was, in fact, not going to sign the load until we negotiated the price down. I believe she paid about {$1500.00} to much for the car. I talked to one XXXX XXXX ( spelling? ) XXXX XXXX XXXX at PENFED and he told me he found the promissory note and he could see my daughters signature and where I was supposed to sign it was blank. I then contacted XXXX and their records indicate that I am on the loan with PENFED as sole owner of the loan. I also filled a dispute with them. Basically it seems to me that I am an owner of a loan that I did not sign for. This seems like fraud to me.
|
| 07/12/2023 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
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In short, my student loans were all initially federal loans from the US Department of Education. I financed my entire education for XXXX, XXXX, and XXXX XXXX. I also paid my wife 's loans off as well. Several years ago Penfed Credit Union approached with an offer to consolidate my remaining loans. Seeing no other option as interest had compounded and my loan amount grew exponentially at a time I could not afford to repay I did move them to Penfed. Since then and over the previous repayment period, I have paid for what all three of my XXXX XXXX XXXX costs at least one time. The interest that has ballooned my repayment amount shows I still owe {$130000.00}. I have working in poverty stricken public school districts in NJ for over 20 years. I have not been able to take advantage of the loan forgiveness program because my federal loans are with PenFed Credit Union. I would like to know if there is anything that can be done to forgive or reduce the amount remaining.
Thank you.
XXXX XXXX
|
| 01/14/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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|
I have an auto loan with PenFed that they refinanced for me in XXXX. The loan was refinanced from XXXX XXXX and I have now received a letter stating that PenFed has raised my interest rate from XXXX to 14 % since XXXX did not release the title to them. My husband has contacted XXXX numerous times as the title was in his name and they have stated they have released the title to them. My husband also contacted PenFed about the issue in XXXX and they stated this was an error and my husband even opened a checking account with PenFed the same day. This is a fixed rate loan that should never should have been raised and PenFed before releasing a check to XXXX for the payoff of the vehicle should have obtained a copy of the title before doing so. I can not get them something I do not have and will not be held at fault. This is completely unethical. I am very saddened as PenFed has always been a good company to me but this is the worst financial injustice I have ever encountered in my life.
|
| 08/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I respectfully call for your adherence to the Fair Credit Reporting Act ( FCRA ), a critical legal framework designed to safeguard the rights of American consumers concerning credit bureaus. In light of this regulatory context, I kindly request XXXX to take the necessary steps to omit the following account details from my credit report : XXXX XXXX XXXX XXXX XXXX PENTAGON FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I emphasize that the inquiry associated with this entity was not initiated by me. In accordance with the FCRA, which places substantial importance on the accurate and equitable representation of individuals ' credit histories, I implore your prompt attention and resolution of this matter.
Your steadfast commitment to upholding the core principles of consumer rights within the realm of credit reporting is greatly appreciated. I look forward to your timely response and the corrective measures needed to address this situation.
|
| 10/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
On XXXX, I deposited a check for {$92000.00} to my XXXX XXXX XXXX account via a XXXX XXXX XXXX ATM.
On various calls XX/XX/XXXX - XXXX, the bank has told me : - conflicting reasons for the check being rejected - that the check was being returned to the issuing bank, not to me - that I would need to ask the check writer to talk to the bank to figure out why the check bounced.
My account has had various fees and two checks marked as bounced which created a headache for me. On Friday the account was marked as having a very negative amount of funds available ( -180k or so ).
On XXXX I was charged a {$5.00} chargeback item fee.
On XXXX I was charged two uncollected funds fees of {$10.00} each. These have since been refunded at my phone request.
I reached out by phone to XXXX who is responsible for this check and : - The check was valid - The account had a balance large enough to cover the check - Her account with the bank has no record of that check attempting to be cashed
|
| 09/01/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I had a ELOC with the Pentagon Federal Credit Union. Once the ELOC matured i spoke with someone with member services and discussed options. I was told that I could apply for a new ELOC. I did. At the same time I received calls and letters from PFCU on my past due notices. I responded to the calls and letters. Each time I was told that since I applied for the new line of credit and the application was pre qualified there was not a problem. I was told that the letters were automated.
Notwithstanding, I was hit with a penalty and an adverse report to the credit bureaus. I called PFCU. I said they repeatedly made representation that I detrimentally relied upon. I was told there be no remedial action to my situation. I told them if I had known the consequence to my credit I would have just paid off the line. The ELOC was approved but I just paid off the line anyway. I have asked them to correct the reporting to the credit report and remove the penalty. PFCU has failed to respond.
|
| 09/14/2016 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
I have a savings account with the Pentagon Federal Credit Union. I have been making deposits once a month for many years. Several months ago I got a notice threatening to send the balance of my account to the State of Texas because presumably my account had been dormant for more than a year. Of course, I called them up and a service rep told me that was a mistake. I was advised that my account was not dormant and to ignore the message. I am now in the process of buying a home and found out that in XXXX of 2016 PFCU withdrew {$29000.00} from my account and sent it to the State of Texas! While the PFCU reps accept they made a mistake, they still claim I have to wait from 90 to 120 days to get my money back! I am in the middle of a contract to buy a home and need the money right away. I risk to lose the home I want to buy. I have wasted a lot of time on resolving this issue. I have called PFCU about five times. They always promise to look into it and call me back. They never do.
|
| 07/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I have a credit card account with Penn Fed Credit Union. I completed one of their transfer balance checks for XXXX dollars made out to my XXXX XXXX account to pay a balance off. I mailed the check at the outside mailbox at the USPS at XXXX XXXX in XXXX XXXX. It posted to my Penn Fed account on XXXX.
In early XXXX I checked with XXXX XXXX as the XXXX dollar payment never posted to the account. They researched it and said that they never received the check or any payment from Penn Fed.
Since then I have made numerous calls to Pen Fed. They sent me the canceled check it was the same check I wrote with the XXXX XXXX account number in the memo section but some one had washed out the name of XXXX XXXX and put an individuals name in it's place, despite this Pen Fed cashed the check and posted it to my account. In my numerous calls to Pen Fed they agreed with me that this was fraud and that I would be reimbursed the XXXX but nothing has happened. I need them to address this.
|
| 02/16/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
We spoke to PenFed employees prior to and during the HELOC mortgage process and were promised that the initial loan amount we were taking out would be locked at our 4 % rate with any future loans to be at prime + .5 %. We ONLY went through with the loan process after being assured that the loan we were taking out was not at the variable rate. We had no intention of future loans, so this product worked for our needs.
PenFed is supposed to record calls, and we had multiple calls on this subject with them.
After several months of the 4 % rate, PENFED changed the rate on that initial loan to variable, which is currently 8 % + .5 %. I have contacted every person we worked with, but they will not response. Those people are XXXX XXXX, Mortgage Loan Processor, XXXX XXXX and XXXX XXXX.
I spoke with a random member of the staff one week ago and was promised a call back, and havent had any contact.
I believe that they have acted in bad faith with predatory business practices.
|
| 02/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Booked a hotel room at XXXX XXXX XXXX via XXXX on XX/XX/XXXX using Penfed credit card, card # XXXX. Cancelled on XXXX. Expecting a full refund.
XXXX booking confirmation XXXX.
There was credit card fraud activity happens at the same time ( unauthorized purchase ), so the old card was closed and Penfed issued a new credit card, card # XXXX.
However, there is a duplicated charge of XXXX XXXX XXXX, so total of two {$40.00} charges on my statement closing on XX/XX/XXXX. There is one refund of - {$40.00} posted on XX/XX/XXXX. Not sure if this is due to XXXX, XXXX XXXX or Penfed 's error. As a result, there is one additional {$40.00} charge.
Called Penfed multiple times ( latest called on XX/XX/XXXX ), and they said they can not find any wrongdoing or error. They only promised to review the case again.
I need some help on verifying why there are two {$40.00} charges on my account. Which party 's error is that. How can I get my {$40.00} back.
Thanks, XXXX XXXX XXXX
|
| 05/14/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
on XX/XX/XXXX I tried to open a checking account with pentagon federal credit union. I was declined even though I currently have a saving account with PENFED. The Rep could not tell me why until I insisted and she researched and claimed I owe money and wasn't sure on why. She had to email someone and will call me back. Of course she didn't. So on XX/XX/XXXX I contacted PENFED AGAIN. With further digging, the rep informed me that I owe {$120.00} for my account that was dormant since XXXX. And was informed that my account was seized and didn't know on why. I was never informed in writing or by telephone that I owe any money for a dormant account.
my complaints for their violations : - The equal credit opportunity act violation - illegal seizure of my money without prior notification - discriminate me as a XXXX minority veteran to open an account - Pulled my credit and informed me that they didn't know whey I can not open - FCRA violation -FTC Violation -ACLU Violation
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I recently made a payment of penfed gold card on XX/XX/XXXX, and my payment was due on the XXXX. I was extremely particular with this payment because our company is in the process of obtaining a business loan. I needed my balance to reflect the prior months balance and was told to make a payment of aprox {$300.00} and the balance would be the same. Instead XXXX, was reported to my credit report. On XXXX I reached out to penfed. I was told that {$8100.00} did not get reported to the credit bureau, and if that did happen that was an error. I was told they would have to dispute the report and it could take 30 days!!!!! This needs to be corrected right away or we will loose our loan!!! I asked to speak to a supervisor and got XXXX who was extremely extremely rude!!! He had kids yelling in the back and said there's nothing he can do!!!! Please review this call!!! I need the credit. Reported updated immediately! This inaccurate reporting dropping my score tremendously!!! I
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
|
| 01/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
See complaint XXXX previously filed on XXXX ( PenFed Credit Union XXXX XXXX it was closed but not resolved. I have sent a followup letter to respond to PenFed 's letter claiming it is being resolved. They are resolving by lieing to us and harrassment. It needs to stop. PenFed has continually lied to us and now trying to bully us into paying for their mistake. The letter details how their version of what happen is not supported. They say a double reverse was made, one by the merchant and one by PenFed. To this day the merchant is calling us to check on us to see if we have any issues using their software which would disputer PenFeds claim that the merchant reversed their charge. PenFed outside credit department and inside billing department twice told us it was PenFed 's mistake and it would be reversed, they are liars and request the disputed amount be exsponged ; an apology, our account balance refunded, PenFed investigated for customer abuse and illegal activities.
|
| 10/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
As requested by PenFed Credit Union, I forwarded the XXXXXXXX XXXX Installment # 2 tax bill on XX/XX/2022, the day I received it from XXXX. The bill showed both a gross amount due of {$4600.00} and a discounted amount of {$4400.00} if the bill was paid by XX/XX/2022.
PenFed did not pay the property taxes on my mortgage prior to the discount due date. Since they did not pay by the discount due date, I have incurred an additional {$200.00} in tax payments. My account statement seems to indicate that they will pay in XXXX, by which time I may have incurred late payment penalties. I have asked that PenFed pay the additional {$200.00} and any previous additional amounts associated with missing the discount deadline dates.
I have offered to take over the tax payments since I am clearly more responsible than the tax serving folks at PenFed. I have been told that " senior management '' will get back to me by about Friday, XX/XX/2022. This is not acceptable turnaround time.
|
| 08/06/2015 |
Yes |
|
- Advertising and marketing
|
|
Web |
Servicemember |
|
I applied online for a credit card with Pentagon Federal Credit Union. I was told in order to " apply '' for this credit card I would have to deposit money into a new account otherwise I would NOT be allowed to apply.
In the application I was prompted to deposit an amount into a new account to process my application.
Afterward the application was completed I hit the process button and was '' denied '' a credit card from Pentagon Federal. BUT they never offered to return the money I deposited for the purpose of applying for a credit card.
Now I have a account I did not want to begin with, and feel this is a VERY DECEPTIVE business practice just to apply for a credit card and then be denied.
Pentagon Federal should NOT require opening any account unless they " approve '' a credit card application. They should also be forced to refund ALL monies taken by this deceptive practice of denying credit card application in order to solict money to open unwanted accounts.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I applied for credit card with Pen fed credit union on XX/XX/2023, Pen Fed made hard inquiry on my credit and put hold on my application on contacting Pen Fed they told me that I have been conditional approved for XXXX $ and told me to submit my proof of income .After submitting my proof of income I contacted them about status of my application, then I was told that in order to approve my application I would have to open savings account with them .One of there representative then opened my account over the phone and told me to wait 24-48 hours for underwriting to review my credit card application.I waited another 3 days and call them back for follow up, then I was told by one of there supervisor that they cant process my application because of some issues ( which they were unable to explain me ) and I would have to submit my application again .Which I think is not fair because they are gon na make hard inquiry again on my credit.
My application number was XXXX.
|
| 04/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
My deposits are not being processed on time for me to receive them because they dont want me to report them for the y will be closed on a Saturday and they try to determine who I report them to the following Monday. I call 3 othe r banks that said I should have received my deposit fro m VA defas or the treasury. Also bank took money from my account after I confirmed by phone that the money was there. When I went online to spend it suddenly XXXX disappeared then XXXX more then XXXX more not allowing me to pay my tuition and ruining my registration for courses. I emailed and they refused to state entirely what had been done. When I called they claimed a disclosure that i never received took effect at that very moment late in the afternoon and thats why they did it. So they admittingly denied me my banking rights to hide their discrimination. And just gave me the money back ... Please help me in this matter. They have been ruining my life this year
|
| 03/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Servicemember |
|
Yes I am having issues with penfed bank my bank is located in XXXX XXXX XXXX XXXX. I had opened this account with XXXX XXXX Account number XXXX Routing number XXXX it was money being transferred from my XXXX account I XXXX up once a month recurring deposit for {$100.00} from my checking from XXXX too transfer from penfed checking. Apparently this service from XXXXXXXX XXXX too penfed account the alert and text never show up after the first of each month and then the account deposit shows as as negative. XX/XX/23 shows as deposit too penfed as {$100.00} and then returned XX/XX/23 too my XXXX XXXX as NSF or negative- {$100.00} the issue is the computer problem that deal with the username and password are always having issues and glitches, the password is wrong I am forced to reset my password. I found it impossible that this can happen too different banks. Back and forth,. The deposit is returned as reversed now why would I cheat myself out of money that funded
|
| 08/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
PenFed artificially inflated at least XXXX fee it charged me to pay off my mortgage. The payoff statement ( attached ) listed a {$48.00} " release fee. '' No such fee had ever been mentioned in my loan application or loan agreement. When I questioned that fee, PenFed said it was a County-imposed mandatory fee. My own research revealed that the County 's lien release fee is actually only {$41.00}, and that I could submit the request and pay the County directly. See XXXX and attached excerpt. So I told PenFed to send me the Certificate of Satisfaction and I would handle the release request. XXXX refused, and insisted I pay the entire {$48.00} before my loan would be considered paid off. I paid it to prevent PenFed from dragging out my payoff ( and holding my credit hostage ) any longer, then sought a refund from PenFed. PenFed refused. Inflating fees for bogus services associated with mortgage loan payoffs seems an unfair, deceptive and abusive practice.
XXXX
|
| 08/08/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
I lost my mobile phone and number back in XXXX, XXXX, and since that time haven't been able to login and access my accounts at Pentagon Federal Credit Union.
Suffice it to say that I have done everything I could to remedy the situation, but I can not say the same for PenFed.
I recently decided to close my accounts there and once again have the same issue with PenFed. They insist on me providing them a copy of a phone bill/utility bill, in addition to my driver 's license and SScard.
Is not a driver 's license and SScard enough for identity and address validation??
They should know I'm 100 % VA XXXX compensated since I was having my VA checks direct deposited there!
I have other accounts at other banks and have been able to login and access my accounts at other banks.
PenFed is the only one that has caused me to no longer wish to be a member of their credit union, period!
I have several emails confirming this if necessary, even from the XXXX 's office.
|
| 02/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have been trying to get my hardship application approved through PenFed, but they keep saying theyre behind and it will take three weeks. Ive been battling XXXX since XXXX ( reinfected ) and have had reduced pay until I can test negative. PenFed said they were behind three weeks back in XXXX. Its almost XXXX, I need relief.
I had the title of the vehicle sent by certified mail in XXXX. They received the tracking number and a photo of the receipt from USPS. Im still being called by them daily to inquire about it. It was sent to them last month, they should have it.
My tags were registered in the wrong state. I requested that the dealership ( XXXX XXXX XXXX ) do Virginia tags, but they gave me Maryland in stead. They told me I have to go through the lender to correct it. I spoke with someone at PenFed who said the titling department will handle it, but have they need the title first.
Ive done all I could by sending what was requested with no results.
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity fraud. Someone wiped out about {$100000.00} from my XXXX XXXX account by opening accounts in different banks and transferring money from the bank. Pentagon Federal Credit Union was one of the bank where part of fraudulent money was transferred. Bank did detect it as a fraud and put hold on the account when fraudster has opened the accounts. However, bank did allow the fraudster to do the bank transaction before account opening requirements were met like proofing documents. I have notified the bank of the fraud and transfer of funds to the bank. Also provided copies of police report and identity theft report. Talk to them couple of times to close the accounts and mark them as fraudulent. However, bank is keep asking for the money which I never received from them. Now they are trying to collect the money. Please see all written attached communication with the bank and reports provided to them. Also attached debt collection notices.
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In XX/XX/XXXX of 2022 And XX/XX/2022 I went to check cars in dealerships. They were so aggressive to me and pushy. I notified them not to check my credit I told them my case and now when I checked they ignored me my desition and without my permission they did hard inquiries or run my credit. I am so mad and I found juat now that I have more than 13 hard inquires that affected me in my credit score. Those seller are super abusive they don't care about you just sell and make money.
I called XXXX l, XXXX and XXXX they suggested me to reported them here. Here is the list the XXXX XXXX XXXX XXXX shared with me to dispute : 1. They check XXXX XXXX - Date : XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 XXXX. Pentagon FCU - XX/XX/2022 XXXX. XXXX XXXX ( 2 times they checked ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ( 2 times checked ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
|
| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XXXX XXXX After making numerous called to XXXX about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested.
As per XXXX data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to XXXX or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to XXXX data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to XXXX or any person permission to report/share any assumed data that I will mention in the complaint.
XXXX and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( 1 ) ( 2 )., They are also in violation of the data protection act.
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| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Today, XX/XX/2023 I got a notification from my credit monitoring agency that PenFed pulled my credit report. They pulled my report without my verbal or written authorization. Those credit union has violated my rights multiple times. Penfed has also reported incorrect information about past due payments when I was waiting for their approval on a hardship request. I was told they were behind and I emailed and called them multiple times without a response but yet they still reported inaccurate information to the credit agencies.
NOTE : In accordance with the Fair Credit Reporting Act PENFED has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
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| 04/22/2016 |
Yes |
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Web |
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This is a complaint against the CFPB. I filed a complaint with you over violations of the CARD Act of 2009 by Pentagon Federal Credit Union ( case no. XXXX ). Their entire response was only to claim they needed more time to " research '' the issue. A week later their " update '' was that they were still " researching '' : it. When I disputed that, your own response was simply to close my complaint. What kind of XXXX is this? Are you going to enforce the law or not? And if not, who do I need to contact in order to hold Penfed accountable? Or can they just get away indefinitely with violating federal law? You are a useless agency. Perhaps CFPB should be shut down. I think it is not unreasonable to expect some accountability from someone around here and so far I 'm not getting it. Is anyone there going to actually DO something about this or not? And do n't tell me to hire a lawyer. If I have to sue these people myself, then what exactly is your function?
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| 01/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am victim of identity theft and fraud. There were several personal and business ; credit cards and loans applied on my behalf from an businessman who said he was helping me find a house for purchase. Suspect name XXXX XXXX, he is in XXXX at XXXX County, for other fraud charges. He opened a corporation under my name in which I did not give consent. The accounts opened were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pentagon Federal Credit Union ( loan & credit card ), XXXX XXXX ( loan & credit card ), XXXX XXXX, XXXX XXXX, XXXX, and I don't know if there are other accounts opened under my name. I have checked my credit report and has dropped significantly to 500s because of the delinquent accounts. I have several hard inquiries in which I did not give consent or had no knowledge. My husband, my son, and other family members are victims of XXXX XXXX identity theft and fraud. I do not speak English, only XXXX. My son is assisting me with translation.
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| 11/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/2021 i applied for credit in which i was denied for the amount of {$12000.00} and received an adverse action letter from penfed credit union. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Penfed has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Penfed has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations hold penfed criminally and civilly liabel. Attached to this complaint is the adverse action form from penfed. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and PENFED CREDIT UNION to move forward with this complaint.
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| 10/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/2022 I was approved for a personal loan in the amount of {$20000.00} with XXXX credit XXXX called and spoke to XXXX to request a higher limit. He had to speak to his supervisor, who then told me that they would have to withdraw the loan and I would have to reapply. I had two concerns and asked them if that would put another hard inquiry on my credit report,, they said they could not answer that. The second concern was what the worst case scenario would be if I didn't get approved for a higher amount. They said it would go back to the original amount of {$20000.00} I took their guidance and re-applied. It was then denied. I called again to let them know what was going on. They could not reverse what was done. They are now sending me an adverse action letter, even though I was approved. This will now hinder my credit score as well. I was lied to and misled. I also lost out on a {$20000.00} banking relationship due to lies and negligence.
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| 08/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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So today ( XX/XX/2023 ) I tried to log in to my penfed account to pay my credit card only to be kicked with the message I have been blocked on loging to the account. When I called pendfed I was told they need some documents for me to prove I am who I say I am. This resulted in a 2 hr on the phone with me sending in a copy of my passport, driver license, vehicle registration, vehicle title, social security card, Government work ID badge, nexus card before this could get resolved.
The thing is per the law Banks and credit unions are required to verify your identity when you apply to open an account. This account was opened over a year ago and I have two credit cards with this company that are down to XXXX owed on them from XXXX. They had all that information on file so instead of harassing customers by trying to make it so they can not make their credit card payments they should look at their own incompetence.
Identity Authentication - XXXX
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| 12/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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I submitted a complaint previously against Pentagon Federal Credit Union, Case # XXXX, which resulted in a response from XXXX stating that Pentagon Federal Credit Union would reduce the interest in the amount of {$540.00} for 2016. This was in response to my complaint of extra payments not applied toward principal as per my request. I believe that the {$540.00} should have gone into principal and not in a reduction of XXXX XX/XX/XXXX, I received a letter stating that a new escrow analysis revealed a shortage of {$520.00} over 12 months which I paid in order to keep my payment at XXXX. XXXX is not applying payments correctly online as per customer request. I have to call to have them correct it on a consistent basis. I made my XX/XX/XXXX payment {$10.00} over the XXXX XXXX {$950.00} XXXX payment as per XXXX on the letter dated XX/XX/2016. The {$10.00} was not applied toward principal. This is after flagging my account to service it correctly.
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| 06/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Older American |
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Hello I just received a letter from Penfed stating they sold my account to XXXX XXXX XXXX for a balance of {$41000.00}. I come to find out there a debt collection agency. So I look into my credit report and it states it was closed on XX/XX/XXXX as a bad debt write off. I haven't receive a statement from Penfed almost a year. Several months back I sent Penfed a letter with a payment asking what my current balance was and never received a response. I would like to request how Penfed came up with the balance that they sold to XXXX XXXX XXXX. In my request please include the payment history, fees and the actual copy of the Truth in Lending Disclosure I signed as this will let me know what fees they can and can't charge me. Here are copies of the last series of payments sent to them. Also I never authorized Penfed to do a hard inquiry on my credit in the following dates XX/XX/XXXX nor XX/XX/XXXX. Thank you for your help.
Sincerely, XXXX XXXX
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| 04/29/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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To whom it may concern, I am in the process of selling my house and I have a settlement tomorrow XX/XX/21. There are 2 open HELOCS on the property which belong to the prior owner from 17 years ago. The title company XXXX and I have been trying to reach the lien release department at PenFed for the past 4 weeks in order to get letters of satisfaction issued in order to proceed to settlement. We have not heard from them and they do not respond to calls or emails. If these letters are not received in time for settlement, I will not be able to close on the property and I will be in default. I will also incur the cost of another mortgage and miss the payments for my credit cards. The reason for the sale is that I have been unemployed since the start of Covid and I was planning to use the proceeds from the sale to pay off my debt which is piling up. This matter is urgent and I would appreciate it if you could look into this promptly. Thank you.
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| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
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| 09/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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- I've been trying to close this loan for 3 months after I was pre-qualified and provided income payment stubs, statements of accounts and taxes forms. I work as both employee for a XXXX XXXX and also XXXX as XXXX in XXXX XXXX.
- I formally applied on XX/XX/XXXX under PenFed ( Loan Number XXXX ) - PenFed asked me to provide proof of precedence of several deposits in my statement of account which I did ( all deposits were checks and one transfer between my accounts ).
- Now PenFed is asking me to provide invoices for legal services I rendered related to checks deposits registered in my account. I can not provide details or copy of my invoices because I provided services as lawyer and that will violate attorney-client privilege ) - None of the deposits exceed {$7000.00} and I reported and paid taxes for my professional services rendered XXXX.
- I believe PenFed is going beyond what is needed to evaluate my income and payment capacity
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| 08/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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Initially, I received a text on my XXXX from a company named PENFED Credit Union, that I've applied for a cc but they can't check my credit history because my files are locked. ( Thank goodness I had all three locked and frozen ). A couple of weeks later I get a letter in the mail from PENMED Credit Union, dated XX/XX/2023, thanking me for my recent credit application. But upon attempting to access my credit information, they received a notification that my credit information is locked. In order for them to perform their credit review processes, they will need access to this information. And then they asked me to go to XXXX and unlock it. That is when I called my ID protection through XXXX. XXXX directed me to their resolution center XXXX. It is now under investigation with XXXX.
While on the phone with XXXX restoration specialist, she called PenFed to report. Pen Fed has written a report and sent it to their security department.
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| 09/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I received a letter from Pen Fed stating the following reasons for denial : -Serious delinquency and collections -proportion of loan balances to loan amounts -length of time revolving accounts established -number of accounts with delinquency However, when I called inXXXX I was told the REAL reason is because I had a small amount charged off years ago. I was also told by the lady who assisted me on XX/XX/22 at about XXXXXXXX XXXX pst that I would NEVER be able to get a credit card with Pen Fed, even if I repaid what I owed. I was further told the system will always automatically decline my application despite my credit score. Pen Fed is in violation of CFRA and federal bankruptcy laws.
I want my application to be reconsidered. My credit score is good ( XXXX ) and I have no collection accounts. I manage my credit responsibly and my balances are below 2 % utilization for my current credit cards. My XXXX is 4 years. XXXX delinquency.
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| 06/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have a credit card with penfed credit union based out of XXXX, XXXX. There were series a fraudulent transactions happened on my card on XX/XX/2022 in a span of few minutes gap. I immediately reported the issue and they issued credit for only one transaction and they denied the other two transactions. I have been following with them every day and asking them to investigate the issue as I have not used the card for the two transactions they charged. They refused to give any explanation on the charges and they reported the issue to credit bureaus. I request your kind attention to intervene and remediate the issue. Again, I have not used this card for any transactions. They want me to reopen the transactions as fraud and when I call them they are not responding to the calls. Its impacting my credit score.
XXXX {$29.00} XXXX TX ; XXXX {$4500.00} ZTLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; These are the transactions that happened.
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| 03/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I was approve for an Automobile loan of {$17000.00} in XX/XX/XXXX with Pentagon Federal Credit Union. I started payments from XXXX to XXXX and on XX/XX/XXXX I applied for Covid-19 loan deferments which lasted for 8 months. On XX/XX/XXXX I resumed payments for XXXX and then one in XXXX and that was when I noticed that the 5 payments I made from the year XXXX to XX/XX/XXXX was not reflecting on my current balance of {$17000.00}. I called pentagon on XX/XX/XXXX at approximately XXXX to get some more insight about the matter. I was on the phone with the representative for approximately 40 minutes as she tried to analyze the matter unsuccessfully. She place me on a hold a couple of times during the call and when she returned the final time I requested an itemization of my payments and then the call was suddenly severed.
On XX/XX/XXXX I made a payment to see how it would reflect my balance just bringing it slightly down to {$17000.00}.
|
| 08/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have severe anxiety, nervous and I am always in fear of what she is doing and what she wants. I am afraid for my life and I need HELP.
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| 10/16/2015 |
Yes |
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- Closing/Cancelling account
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Web |
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I have been a member of Pentagon Federal Credit Union since 2011. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. Around XXXX, 2015 I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being DEASED. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a zero balance.
|
| 09/28/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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i have had a mortgage with PENFED for approx 4 years- in spring i received a note that my insurance had lapsed and that the mort company had secured a policy and aded to my escrow i called to advise them that i indeed had insurance and apparently there had been a lapse of apron 2 months as my insurer stopped covering florida - my agent didn't notify me - as soon as i became aware i called and got new insurance and advised penfed in may my mortgage payment suddenly shot up XXXX month- i spoke ww the company advised what happened and they supposedly fixed the account i today received a letter saying my account was delinquent when i spoke w the penfed rep i was informed that it was because i had no insurance i went through the same call explaining i in fact XXXX have insurance and asked to speak w a supervisor nobody has called me back i do not want this damaging my credit report and i want any late fees credited back please advise
|
| 08/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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The person who processes credit card disputes at PenFed does a terrible job. In XX/XX/XXXX-XX/XX/XXXX, I had several disputes with a Utility company that was charging my credit card for another customer 's utility bill - the disputes person at PenFed did not process the case in time and I lost several hundred dollars.
Last year, I had fraudulent charges from an airline on my credit card. Once again, this person delayed the processing of my disputes and then closed them out as being late ... even though I provided all the documentation in time and she sat on them for weeks until it was too late. Once again, I lost over {$100.00} this time around.
Now I have submitted two disputes and I am worried that they also will not be processed correctly.
I love PenFed, but I simply don't use the credit cards because I am afraid that this person, and PenFed, doesn't have my back on the rare occasion where disputes arise with merchants.
|
| 10/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
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I have called XXXX 14 times since XXXX XXXX. On XXXX XXXX I received an inquiry on my credit report from XXXX. It was not anything from me, nor have I ever heard of this bank, so I called them and asked them why they ran my credit. They are unable to answer me. They say they do n't see where I, or anyone else applied for an account, credit card, loan or anything else in my name or with my social security number. They have no clue why they ran my credit. I have asked them to remove the inquiry and they said they would because they do n't know why my credit was even ran. Here it is, a month and a half later, and 14 phone calls later and they still do n't have an answer for me. Just a bunch of customer service representives keep telling me the fraud dept is going to call me back. Of course no one ever calls me back. I 'm tired of having to continually explain my problems, due to your mistake. A mistake that you are failing to fix.
|
| 03/21/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
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|
Web |
Older American, Servicemember |
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When I tried to access my online account there was a message that I had to call the credit union for assistance. When I called I was told that there was a permanent block on my account because of returned ACH transactions. I told them that there should have been only 2 ACH transactions that I authorized or imitated. One with XXXX XXXX which was returned due to account frozen and a transfer from my XXXXXXXX XXXX account to bring the account back into a positive. All other ACH transactions were done by the credit union without my authorization probably again to XXXXXXXX XXXX after they already knew that the account was frozen. Now I'm being penalized for repeated returned ACH that I XXXX not authorize nor was informed about. My funds in the account have been brought to a negative because of repeated attempts to perform an ACH with XXXX XXXX that was once returned for account freeze that has been on the account since XX/XX/2022.
|
| 09/14/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
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Per the letter recived by Pentagon FCU, I was allotted till XX/XX/20 to log in or respond to said letter in order to keep my account in good standing.
Their organization removed {$55.00} from my account under the title of unclaimed property prematurely on XX/XX/20.
I logged into my account on XX/XX/20 which therefore would be my activation per the context of the letter.
I emailed a copy of the letter and asked them to reinstate my account and replenish the funds, " I've receivd no response. '' XXXX also called and Spoke With XXXX XXXX at Pen Fed Credit Union and was told the computer system transferred money and deactivated the account prematurly that it wasn't them, but he would do nothing to help or honer the context of the letter that if iI wanted my money I'd have to petition the state and If I wanted my account activated I'd have to reapply and pay for a new membership. I followed their rules and they broke them.
|
| 12/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On XX/XX/2023, I initiated a transfer from my newly verified external savings account to my PenFed savings account. This transfer was immediately returned on XX/XX/XXXX and I was given a {$30.00} ACH returned item fee. I called PenFed to inquire as to why this happened, as this account was verified with the trial deposits, and customer support informed me that the external account number was incorrect when I read back the account number to the customer support agent.
On XX/XX/2023, I contacted them again to see if this could be removed prior to the closure of the account, as the verification process should have ensured that I was using the correct account, especially so since the trial deposits were successful. This fee was unable to be waived and I would be charged the {$30.00} fee, plus an additional {$5.00} fee for debit card usage, prior to closing my account. They were unable to tell me why the transfer was returned.
|
| 09/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
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I applied and received a credit card from PenFed Credit Union and used it one time for a balance transfer offer, put it on autopay from my checking account and put it away in a drawer. In XXXX, their security was breached and charges were made to XXXX and XXXX XXXX totaling over {$1300.00} to the card. I did not discover the transactions until XXXX when reviewing the expiration date of the balance transfer.
Their credit card was NEVER associated nor linked with with my XXXX account in any way so I know the breach had to occur directly within their system. I am liable for the charges given the breach occurred more than 2 months ago but I offer this as a cautionary tale to those who work with smaller credit organizations such as PenFed. In my more than 15 year credit history this has not happened with any other bank from whom I regularly receive messages alerting me to suspicious transactions, no such system in place here.
|
| 10/16/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
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Web |
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I have been a member of Pentagon Federal Credit Union XX/XX/XXXX. I had a checking & saving account and XXXX major credit cards with excellent payment history 's. XX/XX/XXXX I checked my accountso on line and all my accounts are closed and my credit cards are charged off. I called and had several communication was different representative and they stated that my accounts were closed. They had me down on my accounts as being XXXX. I told the representative that this is a mistake on the credit union behalf. They also told me to provide them with notized document stating I ' am not dead. Okay I swallowed my pride on this situation and send them information to theread office. After about 3 weeks I may coctact with the credit union and they stated that they received my information. At that point nothing did not change. I stated to the credit union also how could you have XXXX major credit cards charge off with a XXXX balance.
|
| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Lender : Pentagon Federal Credit Union The bank repossessed our XXXX XXXX XXXX. Even after the bank found evidence that our car had a repayment contract and the information was filed incorrectly, the memo was sent to management within the bank and the repossession department, the supervisor stated that we have to repay {$1500.00} to get our car. The bank/lender failed to file our paperwork in the accounts correctly. We made a payment towards the repayment contract on XX/XX/XXXX. My husband calls the bank every month to pay and update the records and we were not notified of any potential for repossession. We were told everything was good and set for our cars after using the repayment contract called a BUMP program at Pen Fed. I have proof of emails sent and the contract we entered with the lien holder, and was notified that it was not supposed to be up for repossession.
Please help.
Sincerely, XXXX and XXXX XXXX.
|
| 02/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
On XX/XX/2020 I opened an online PENFED account, But I didn't know it would be a hard pull in my credit report. This information is not transparent to the user. If I knew that it would be a hard pull, I wouldn't be decided to opening the account there.
My credit has been reduced and my bank credibility has been affected.
On XX/XX/2020 I applied for PENFED a credit card using the opportunity that my credit score will not suffer anymore. ( when applying for less than 30 days, the bank does not do a hard pull a second time ) I will add that I have a perfect credit history. ( attachment ) However, on XX/XX/XXXX, I did not get approved for a credit card One of the reasons is too many credit inquiries.
Other reasons also make no sense ( attachment ) Penfed Credit Union acts to the detriment of the customer they first weaken people 's credit scores later they refuse cards for a person with a perfect credit history
|
| 12/16/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
I have a student loan with PenFed, my Member Number : XXXX. This lender website does not allow borrower to choose what to do with any overpayments. Any overpayments are apply to future monthly payments and thus treats student loans as a mortgage. Borrowers are not allowed through the website to make payments to the principals and thus reduce their debt or pay it before the payment schedule as permittable by law.
The website asks you to call a number XXXX waiting time around 20 minutes. They then tell you that you are not allowed to pay the principal online because you might get confused. And they also inform you that any payments to the principal, which can only be made over the phone, has a {$5.00} fee.
If people are constructively blocked from applying their extra monthly payment to their principal, they are prevented from prepaying their loans. In fact, that is worst than a prepayment fine.
XXXX XXXX
|
| 01/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
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XXXX weeks ago ( XXXX XXXX, 2022 ) I applied for a gold credit card offered by my credit union. I was approved and the account can be viewed online through my credit union. After one email and three direct calls to credit union I was told there is a plastic shortage in the USA and they can not give a date for me to receive my credit card. I believe it is a lie. I have called my three other LARGE financial institutions ( one credit union and two LARGE banks ) and they told me there are NO plastic or chip card issues and they do issue the actual credit cards.
I asked what are alternative ways I can access my line of credit and they said there is no way to access it. So I countered and said that it could be next year that I get my credit card and was told possibly, yes.
I want this matter looked into and have the truth be told. If I do not get the card I will close my account due to bait and switch practices.
|
| 10/12/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
Older American, Servicemember |
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poorest mutual communications & understanding. gestapo " got ya '' interrogations.
PFCU has evolved to become to smart for their own good, my case, my opinion highly provocative, condescending arrogance, one way communication, our way or the highway mantra, of which most reasonable individuals would consider omnipotent.
pride themselves as professional controllers with all the answers -- applicant is guilty on any questionable issue until they can prove their innocence PFCU has wonderful HRs and Tech Data systems but mesh the two poorly member can not refute PFCU without their reprisal Per my case, obviously, these are only PFCU best qualities, the worst to follow Provoked my graphic expletives superseding my medicated total disability debilitation, intentionally, upon each attempted communication, once adversarial relations progressed at each stage of their unwarranted denial, challenges & condescending
|
| 08/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
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|
Web |
Servicemember |
|
In XXXX of XXXX my wife opened an online premium saving account with PenFed bank. I was added as joint owner of the account the same month through a process outlined in a branch by one of the tellers. In XX/XX/XXXX I began having issues with accessing the joint account online. At times the account would not show as one of my accounts with the bank. Other times the account would be reflected, but I could not make transfers or access the money. I was told that the process had not been completed correctly by staff and would be remedied immediately. Still, the problem persisted. I called and spoke with representatives numerous times between XX/XX/XXXX - XXXX, XXXX and each time I was assured that this was a technical error that would be remedied within 24 hours. As of XX/XX/XXXX this issue still has not been resolved. I have directed PenFed to wire the contents of this account to another financial institution.
|
| 12/30/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have my Primary home Mortgage with XXXXenfed Federal Credit Union and I have been on forbearance until XXXX and made 3 trial payments after that and my 3rd trial payment was done on XX/XX/2021. I'm told that it takes 30-45 days from the date 3rd payment was made to reissue the modification statement and to bring back the loan to current. In the mean time, I started working to refinance my loan with another lender. And my other lender said, he can not close the loan, until penfed provides the document that the loan is current. I constantly following up with Penfed and they are not giving me any estimate on how long it takes to provide the loan modification statement and they are not giving me any positive responses. And my interest rate lock expired 2 times and the rates are constantly rising and Penfed is not helping me out. It is almost 60 days since my 3rd payment made and still no response from them.
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| 08/12/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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I Applied Penfed platinum rewards XXXX signature card on for XXXX/XXXX/2016 I was approved for the card 24 hours later I was declined and the reason given was application was built in error I immediately called up to find out what was going on they did n't know. The representative resubmitted the application it came back approved because were service rep said that the card would be mail in out XXXX to 10 days. I logged to my account and noticed that the account had disappeared from the Account screen. I am mediately called and spoke to customer service representative that informed me that my account was closed and could not give me a clear reason why it was close. Section XXXX of the XXXX which mandate that financial institutions verify certain information about applicants, including name, legal address, date of birth and Social Security or Tax Identification Number, while processing account application.
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Older American, Servicemember |
|
Penfed Credit Union in XXXX Va and XXXX XXXX both denied me a car loan using erroneous information from XXXX. The details of my credit history is as follows. I have a credit score of XXXX, can't get much better than that. I have NO loans and the majority of my purchases are on my XXXX XXXX card that I pay off in full every month. there are a couple of credit cards from stores etc, I hardly use them and I. pay each and every one in full at the end of the month. I am retired, I own my home, no mortgage. No car payments or other consumer loans. I have assets in excess of {>= $1,000,000} the majority is in my retirement investment account, the rest in a bank or is real property. by any account I am an excellent credit risk. The explanations from Penfed and XXXX XXXX, make no sense and couldn't be a conclusion gleaned from the XXXX credit report. I believe I am the victim of discriminatory credit practice.
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| 04/18/2022 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
|
On XX/XX/XXXX I filed an application with Pentagon Federal Credit for a VA TYPE II refinance. Penfed did not provide an opportunity to explain seasoning is not required for type II VA loans and that the applicant already met seasoning requirements if they could apply. Penfed also failed to provide a loan estimate within 72 hours from applying. Because the XXXX loan being refinanced closed in XXXX, the first payments where due more than 210 days prior on XX/XX/XXXX or the date of the application. Because the covid forbearance credit suppression did not stop until XX/XX/XXXX, Penfed assumed seasoning requirements could not be met for a government backed loan product that can not include seasoning. XXXX delayed credit suppression protection removal due to an erroneous Escrow Analysis from XXXX when the Veteran was found permanent and totally XXXX. The Escrow Analysis was not resolved until XX/XX/XXXX.
|
| 02/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
|
on XX/XX/2021, i sent LETTERS TO THE MAIN AND CORPORATE OFFICES WITH PENFED CREDIT UNION A LETTER REQUESTING BILLING STATMENTS AND DOCUMENTATION REGARDING A ALLEGED DEBT OF {$390.00} THAT I DONT OWE AND I HAVEN'T RECEIVED ANYTHING FROM THEM THUS FAR. Please acknowledge my letter, correct the error, and clarify the manner in which you arrived at the finance charge, new balance, and minimum amount due on the account.
I do not agree with your alleged reported balance. I am not liable to pay that balance. Please provide me with the original offer you claim was accepted by me, any amendments to the agreement, the cardmember agreement you deem accepted, and the previous 12 months of statements of account. Until this billing dispute is resolved, cease and desist all collection activity, including all credit reporting. Promptly request that consumer reporting agencies delete all credit reporting to date.
|
| 01/27/2017 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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I opened an account with Pentagon FCU in XX/XX/2015. I also had an overdraft protection account of {$500.00}. Sometime the following year I cam behind in payments on my overdraft protection account loan ending XXXX. At that time Pentagon FCU denied me access to my checking account in which I had direct deposit. The froze my debit card in which I would have no access to my money because there are no branches in the state of XXXX, on top of that they required that before I be given any access to my direct deposit that I bring my account current. Even though I told them that I was unable to pay at the time and was willing to work other arrangements. As a result I was unable to pay my rent or car payment and my car was repossessed. Please look into this as I feel my rights were violated. They did give me the option of having my money XXXX XXXX to me but that was only after i brought my account current.
|
| 01/15/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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For many years, we have paid an additional {$100.00} to apply against principal of our Penfed mortgage. Starting in XXXX, our payments have been consistently misapplied to escrow ( despite clearly noting on payment slip of direction to principal ). Our monthly statements since our statement dated XX/XX/20 have been filled with errors. In specific, extra principal payments are not allocated correctly, and transaction activity show no payments, suggesting we haven't paid our mortgage.
I have no confidence that my payments are being recorded or allocated correctly.
I am sophisticated enough to review my statement and call to correct obvious problems. But clearly something is wrong, and I am concerned not just for my mortgage but for the mortgages of countless others who might be less financially savvy. Penfed customers should not be expected to call each month to correct payment recording errors.
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| 09/21/2020 |
Yes |
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Web |
Servicemember |
|
I am a service member in the XXXX XXXX and I applied for a VA mortgage with Pentagon Federal Credit Union on XXXX XXXX, 2020.
I submitted all the paperwork and documents that were asked for. I was in contact with my loan officer and she then transferred me to a loan processor on XX/XX/XXXX.
Since then, I have been unable to get any information concerning the status of my loan. I made multiple attempts to contact XXXX XXXX and his supervisor XXXX XXXX. Ms. XXXX voicemail is full and her email comes back as invalid.
Mr. XXXX replied back on XXXX XXXX that he was sorry for the late response and will get back to me on the loan.
I am now two days from my closing date of XX/XX/XXXX. I have spend {$850.00} in appraisal fee and inspections, and have {$3800.00} tied up in the earnest money that I risk to lose if this mortgage does not go through.
Please help.
Thank you.
Sincerely, XXXX XXXX
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| 11/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I have made many calls to PenFed to try and get a debt consolidation loan with them. They are having a problem getting my XXXX Credit Report to return, I have spent countless hours dealing with PenFed and them telling me its going to be another 24-48 hours. My call today XX/XX/XXXX I spoke to a supervisor in customer service that was worthless. The rep got an attitude with me when I told her to cancel the application, PenFed just keeps pointing fingers. PenFed was not able to obtain a copy of my credit report HOWEVER, there is an inquiry listed on my credit file. I have requested PenFed remove this from the report as they were NOT able to view the report so they shouldn't have an inquiry listed. This has been the worst time I have ever had with this credit union. I have had prior loans with them and they all went through seamless. Loan Application # XXXX, and it has been pending since XX/XX/19.
|
| 06/05/2020 |
Yes |
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Web |
Servicemember |
|
On the XX/XX/2020, I closed on a VA Mortgage Refinance with Pentagon Federal Credit Union. As part of the closing costs for the refinance, there was a {$28.00} Water Quality Well Inspection fee that was collected to pay the testing lab, XXXX XXXX XXXX. I have received two bills from XXXX XXXX XXXX. I contacted the PENFED Loan Processor, Ms. XXXX XXXX on XX/XX/XXXX after receiving two bill invoices from XXXX XXXX XXXX and told her that the bill had not been paid from the closing costs. She informed me that she would turn it over to her closing manager and that was the last I had heard from PENFED and Ms. XXXX. When I called XXXX XXXX XXXX on XX/XX/XXXX, the bill still has not been paid. I attempted to contact Ms. XXXX, but she would not return my call or email. I sent a {$28.00} Check to XXXX XXXX XXXX to pay the bill, because I did not want it to go into collection and impact my credit rating.
|
| 11/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
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Web |
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I have been locked out of my penfed checking saving and line of credit account for several weeks. I have sent in my documents I have done everything I can do and Im still locked out I have a dispute open for global coins roughly XXXX or so dollars was taken from me. I cant check my account balance or anything everything is locked. My overdraft line of credit is over the limit and i cant pay on it i did try to pay some bills and spend money I was expecting a irs direct dep and it never came they have sent back my paments and have cost me several hundered dollars in fees my XXXX XXXX was shut down becuase they are sending everything back as fraud when the only thing i disputed was global coins I am sending all the forms to you maybe you can get them to help me im also sending you a financial hardship app to send to them please note my id is currently for mo i am working on getting it replaced
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| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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On XX/XX/XXXX. There was a hard credit inquiry made on my credit report from Pentagon Credit Union. I have never contacted this agency regarding a line of credit or a loan.
I called them on XX/XX/XXXX to ask why they made an inquiry into my credit. I could not get very far because they asked for my social security number in order to proceed in the queue to customer service. Since I am not a current customer, there was no need to provide my private information, so I did not proceed. I felt like it's either a scam or a poor way of doing business to ask for someone's social security number if they are not a current customer. Don't you agree?
I would like this removed from my hard credit inquiries.
They also made a soft inquiry XX/XX/XXXX and XX/XX/XXXX, and I would like these removed as well. I do not know this company.
PENTAGON FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
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| 07/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
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I received a welcome letter from PENFED notifying me that an account was opened. The letter had a member ID # as well as personal info such as my full name, SSN, Home address and date birth ... I immediately called the bank to report this as a fraud since I never opened any accounts with this bank. I was told that their security/fraud team will look into the matter and that as of now the process is frozen so no further action is needed and no one should be leveraging that account. A couple of days later I received a debit card from the bank! I called back to see what's going but the agent did not have any information in their system about my initial call and was not able to track my claim. As of now I'm not getting much assistance from their customer service. I'm not sure if this is a case of identity fraud or banks opening accounts without customer consent but I need some definite answers.
|
| 06/21/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American |
|
This is the third complaint about Pentagon Federal credit Union to the consumer finance. We have been trying to refinance our second home since XX/XX/2020, all we get is excuses and promises that they are working on it. Nine months to do a refinance for a company that already holds the note on our home is way too long.
After multiple appraisals multiple credit checks jumping through every hoop they can think of they asked us to do we did, this is out of hand we understand they do not want to sell us a loan at a lower interest rate due to they will lose money but they are the ones that gave us the advertisement and told us to apply now.
We have been handed off to multiple loan processors who said that the paperwork has been lost and they need to start over again. When will this stop?? please lets wrap this loan up weve done everything you ask were been very patient this is just ridiculous.
|
| 03/31/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
I got a car loan from XXXX XXXX XXXX XXXX and set up automatic payments. I have never missed a payment on any of my bills in my life because I set up automatic payments and make sure there is enough money in my account to pay ALL my bill for at least 2 months. XXXXXXXX XXXX XXXX XXXX merged with PENTAGON FEDERAL CR UN when I was in XXXX and never sent me a notice that my automatic payments discontinued. I did not learn about this until my credit score took a hit and I called them about my past due bill. They explained that when the merger took place " I SHOULD have received a notice '' which I did not. The merger discontinued the automatic payments so I needed to setup a new auto-pay. After explaining to them I did not receive any information or warning, they did nothing. My credit score dropped 100+ points. This can not be legal or at the very least ethical. What can I do to fix this?
|
| 04/05/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
My wife and I started a refinance loan on XXXX with Pentagon Federal Credit Union. It has been a nightmare, from them not understanding basic appraisal sheets to non communicating. They ( PenFed ) hold the original loan on our second home. Due to the fall in interest rates we wanted to refinance to a 20 year loan at the lower rate. We were promised verbally it would be quick and easy. 5 months later we are being ignored, when we call to speak to our representative we are told he is in a meeting and will return our call. Guess what, no calls. I have so far taken two days off from work so we could sign docs. Those days never happened! So Im out two days of vacation leave at work. Plus an {$800.00} reappraisal on our property. Weve talked to other lenders and were told it sounds like they just want us to go away due to they would lose money refinancing at a lower and shorter pay off date.
|
| 07/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I spoke with a representative with penfed credit union an offered me a re-age program to pay {$93.00} a month on my penfed credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program penfed offered to help pay off you credit card balance. I spoke with penfed and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.
|
| 10/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
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|
Web |
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I opened a PenFed account on XX/XX/XXXX and applied for a car loan. The loan was completed XX/XX/XXXX and the representative mentioned there would not be an additional credit pull, they would use the first original one from XX/XX/XXXX and that it's good for up to 90 days from application for opening any accounts.
I received an alert today on my XXXX that they had pulled my credit today without my consent or authorization based off my conversation with the representative on XX/XX/XXXX. I should only have 1 credit pull based off my authorization and conversations.
I have reached out to PenFed again XX/XX/XXXX and they mentioned that they should have told me that they might still need to pull credit. That was not disclosed at all.
I a greatly upset with the service from PenFed that I will consider not even doing business with them now.
Please remove this unauthorized credit pull
|
| 06/23/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American, Servicemember |
|
My husband ( now deceased XXXX XXXX ) created a XXXX line of credit in XXXX, with the Pentagon Federal Credit Union.
In XXXX, my husband and I filed bankruptcy and included the PenFed Account in the bankruptcy discharge process. The bankruptcy was discharged in XXXX. I have called PenFed several times and sent an email to the address that was provided to me. No response.
I am now trying to discover the following : XXXX. Was the Pentagon Federal Credit Union dept discharged in the bankruptcy?
XXXX. If the debt was not discharged in the bankruptcy, then EXACTLY how much was owed? ( I feel certain that we did not owe $ XXXX at the time of bankruptcy full amount. ) XXXX. How can I obtain a release from my home, remove the lien and approximately how long will it take to receive the release?
Can you help me with advice for getting a response from PenFed? Im trying to find out if I owen
|
| 08/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Today XXXX ; I received a notice of delinquency on my credit report. After reviewing all statements I came across a late charge fee that would infer that I was late on a credit card payment with Pentagon Credit Union. Three months ago XXXX granted me a credit increase and a balance transfer. During this process XXXX experienced an internal records issue that I am unable to discern. During the process I was issued 2 new cards. As a result, automatic payments were no longer processed accurately and Pentagons systems reported derogatory information to the credit reporting agencies. This was completely out of my control and Pentagon credit union refuses to take responsibility for this failure of their systems. This is impacting my financial standing and causing me great hardship. I would the records to be updated and remedied, as if Pentagon federal credit unions systems worked properly.
|
| 01/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
ISSUE # 1 I have a {$20000.00} credit line. I pay the balance in full. However, after a payment is made and posted, the credit balance does not reflect such on the available credit resulting in erroneous interest charges being assessed SEE ATTACHMENT. IT shows a balance of still owing of {$17.00} when clearly it has already been paid. The {$20000.00} credit line only shows {$14000.00} when it should reflect {$20000.00}.
ISSUE # 2 As per the Agreement, cash advances are assessed daily at XXXX interest ( ie XXXX ) computes the daily rate times the days. Why is an additional computation done for the AMOUNT? the contract only states THE INTEREST RATENO AMOUNT should be considered. This is just an underhanded way to assess a higher daily rate. the amount relevant pursuant to the Agreement is XXXX % for cash advances and 14.65 % for the use of the credit card IF NOT PAID BY THE DUE DATE.
|
| 11/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
About two weeks ago, I applied for a {$40000.00} used car loan at Pentagon Federal Credit Union. I am a salaried employee with my employer for over 16 years, my annual income is {$150000.00}, I have no debts other than revolving credit card that I pay off every month, and my FICO is over XXXX. I wanted the kind of loan where I receive a check that I can then take to a dealership, as I was still shopping for the car. I was informed that type of loan is a " pre-approved '' loan and that I did not qualify. When I asked why, I was informed that my denial was based solely on my zip code, that my income and creditworthiness were irrelevant. I asked why my particular zip code, as we live in a nice coastal area in XXXX California. I was told it is considered high risk, and that all of XXXX California is ineligible for a " pre-approved '' used car loan, regardless of personal circumstances.
|
| 12/04/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
Electronic payment was made to credit card account on XX/XX/2020. On XX/XX/XXXX, I requested that the funds be applied to raise available credit limit. XXXX XXXX refused citing large payment ( under {$5500.00} ) and new account ( under 30 days ) stating a 10 day " float '' was policy. I requested a more complete explanation of the process involved in the alleged " while we wait for the ( electronic ) payment to clear with the other institution. '' I also questioned the applicability of 12 FCR 229.13 ( 1 ) vs the applied 10 day " float. '' The second reply ignored the request for a more complete explanation of the payment clearance process and simply stated " it typically takes 5-7 business days for payments to fully clear the other institution. '' The credit union also ignored my request of how funds availability mandated under 12 FCR 229.13 ( 1 ) applies to the electronic payment.
|
| 01/17/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
In XX/XX/XXXX, opened share savings account and given membership number XXXX, and in XX/XX/XXXX, opened limited checking account. Someone hacked into my XXXX account and attempted to make purchases with my registered accounts in the XXXX system. With very limited funds in the mentioned accounts, of course, PenFed rejected these debits from the account. However, after multiple attempts/returns to the account, this Credit Union has assessed at least {$700.00} in bank fees. On XX/XX/XXXX, sent an e-mail on the consumer website through " contact us '' advising them of the issue and to reverse the charges. As of this writing, they have ignored my e-mail and have been negligent in noticing/contacting the member about these suspicious transactions on a new account. They should be investigated for the numerous erroneous fees that most likely are charged to the members of this Credit Union.
|
| 01/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American, Servicemember |
|
Pentagon Federal Credit Union, erroneously and without my permission, transferred $ XXXX from my checking account to XXXX XXXX XXXX XXXX to pay for a credit card that an identity thief obtained from XXXX using my information. XXXX alleges that XXXX authorized the transfer, that XXXX is responsible for taking corrective action, and that XXXX is awaiting PFCU to continue with the correction process. Even though I contacted both PFCU and XXXX immediately upon learning of the erroneous debit/transfer, both XXXX and XXXX have shunted me off on one another, but neither have taken measures that effectively restore the $ XXXX to my checking account. Both PFCU and XXXX have practiced avoidance and neglect in addressing this matter. Both have abused me, and the abuse continues. If this abuse continues beyond XX/XX/2023, I will seek damages under the Federal laws applicable to this matter.
|
| 11/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I called about a declining checking account balance. Advised rep that it was {$70.00} in service fees since I signed up for their new high interest savings account. Asked for actions to be undone as it wasnt disclosed at that time that I would incur a XXXX XXXX XXXX fee. Rep stated only {$50.00} in fees assessed and statements I was reading to her were wrong. Spoke to a supervisor who offered to only waive {$20.00}. Closed accounts. Again requested statements from last 12 months. Told I cant without a fee being charged and that they mailed my statements. In the 6 years of membership, never has a statement arrived by mail. Also asked for member number so I could fill out board of director form on PenFed site and was told member number cant be given but its on statements. Again told statements would have a fee assessed even for digital delivery. UDAAP violation. Request hearing.
|
| 05/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
PenFed is a great company and its folks are good as well. However, my account was fraudulently used in XXXX without my knowledge and PenFed blocked those charges and my account, which was all fine. I have ALWAYS been signed up for FULL Statement Balance AutoPay on my cards with PenFed ; I was still charged interest in the last cycle. PenFed has not been able to resolve this system issue on their end. I can not and should not be held accountable for charges that I did not make and also which were actually blocked by PenFed. How can I be assessed interest on balances that I actually owe, when I am enrolled in Full statement balance Automatic Payment?
Additionally, I had over {$40.00} in rewards before my card number was changed. All those rewards dollars have now disappeared and I have seemingly lost the rewards I had earned on all my spend on the prior card number. Incorrect.
|
| 03/13/2020 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Web |
|
|
I bought CD of XXXX XXXX XX/XX/XXXX from PenFed.org to mature XX/XX/XXXX.
I put all my money after they answered my question ( By Phone ) of penalty if i withdraw earlier will deduct 3 months of interest.
Knowing the penalty I did not worry till I seriously wants to get some of my money even % 10 and was hit with the decision to deduct around {$53000.00} which equals to % 30 of total interest for the life of the CD ( sent by email ).
So either I was lied to at time opened the account so they get hold of money or they changed their rule later on.
I do not believe in anyway I signed them to deduct % 30 If we are able to listen to phone conversation at time of opening it should resolve the issue.
Now my children are going to college and have more expenses I started applying to Banking loans ( XXXX and XXXX XXXX ) because I am not able to use my own or even part of my money!
|
| 01/03/2017 |
Yes |
|
|
|
Web |
|
|
Received invitation from my bank XXXX XXXX to sign up for airport XXXX XXXX as a XXXX XXXX cardholder benefit. The letter I received stated that I and a guest would enjoy XXXX complimentary visits before being charged. My wife and I used the XXXX visits on a trip to XXXX XXXX in XXXX 2016 but XXXX charged me {$54.00} for the second visit. Despite several attempts to get XXXX to refund the charge, they refuse, claiming that I was only entitled to XXXX " passes '' There is no mention of a " pass '' or " passes '' in the letter -- only XXXX complimentary visits for both me and a guest. The outbound flight was XXXX visit and the returning flight was the second. I believe that the language is clear but If there is any ambiguity, it should be interpreted against the drafter, in this case XXXX XXXX. This was misrepresentation and I want the charge removed from my credit card account.
|
| 04/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Savings account been blocked since XX/XX/2023. I contact the company on XX/XX/XXXX and they ask for a utility bill, social security and license which i sent to them so they could unblock the account in about 72 hours. After that time i been trying several times to try to solve the problem. They keep giving excuses that the person in charge of solving my problem was out or that i have to be on a waiting list to have this problem solve. On XX/XX/2023 i called again and they say my utility bill wasn't good because it was a screenshot from my phone. I ask if i could send my rent agreement as a proof of residence because i dont have anything else under my name and they say yes so i did. I call again on XX/XX/2023 to see if they received my document and again they say that i have to send another bill that have a account number on it. Please i need help solving this problem. Thanks
|
| 08/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
On XX/XX/XXXX, the merchant XXXX XXXX in XXXX, credited my credit card account for the amount of R {$8700.00} ( approx. {$1800.00} ) which I never received. The merchant sent a document confirming this credit to my credit card ending XXXX, which is the one I had used to make the original purchase, but was later replaced by PenFed Credit Union in XX/XX/XXXX due to a loss of it. I have tried repeatedly to get a response as to how to obtain this credit I am due, and have been unable to so for the last five months. They now claim that the time to make a charge dispute has lapsed. However, this is not a charge I am disputing, but rather a pending credit to my account. This is absolutely unacceptable and a violation of my rights as a customer. Please find attached a copy of my first letter to PenFed, a copy of their response, and the referenced transaction with authorization code.
|
| 08/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XX/XX/2021 I drove to my local PenFed Credit Union in XXXX, VA. There was met with the Assistant Manager and her trainee. I had discussed reopening my checking and savings account, Im which I was previously a member before. After, being told that a soft credit pull, would be needed. I agreed to only do this if indeed it was only a soft credit pull. Now, waiting for the Manager to reach a Supervisor to handle this request I was told that I needed to contact XXXX to unfreeze my credit report. After returning to work I did exactly that and while not expecting to have my credit file compromised with an Hard Credit Pull. I was told once again by an PenFed employee over the phone now. That my account was all setup and only a Soft credit pull was done I have called several times to PenFed to ask that this inquiry be removed! However, it seems to be more difficult than I expect.
|
| 06/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I set bank auto-pay function to pay the statement balance on the due dates. Payments have been taken from the designated account as scheduled when the balance is due. Yet, I was charged with the interest of {$6.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX.
On or about XX/XX/XXXX I telephonically contacted the card issuer and reported the issue. The representative told me they would review the case.
On or about XX/XX/XXXX I contacted telephonically and via their website regarding the same issue. They responded that they received my complaint and they were looking into it.
On XX/XX/XXXX I telephonically contacted the card issuer again and asked for the updates. I was told again, they were reviewing the case.
As of XX/XX/XXXX, I have not seen any resolution. I am not sure if they were really looking into the matter as they said so I am asking the Bureau 's assistance.
|
| 02/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
An unauthorized purchase was made using my Pentagon Federal Credit ( PenFed ) Visa credit card with a post date of XX/XX/XXXX for {$820.00}. The merchant was XXXX XXXX in XXXX XXXX, CA.
I reported the unauthorized transaction to PenFed on the same day.
PenFed issued a security adjustment for the same amount two days later ( XX/XX/XXXX ) while they investigated.
On XX/XX/XXXX, I noticed a reversal on my credit card statement. PenFed determined that I was responsible for this transaction. My wife and I have nothing to do with this transaction and have no idea who could have done it, so we have no responsibility.
I made multiple calls to PenFed to no avail. My wife and I still had the physical cards in our possession. The transaction, I was told, was an in-person transaction. My wife and I live in XXXX XXXX and have not set foot in XXXX for 3 years.
Please advise.
|
| 01/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Servicemember |
|
The Pentagon Federal Credit Union obtained a copy of my credit repot without my consent.
When I called PENFED to find out what kind of assistance was being offered for federal employees your employee XXXX at XXXX XXXX told me that you were offering a furlough loan with 0 % APR and no credit check that is why I requested the Furlough Loan on the below email.
I never authorized PENFED to obtain a copy of my credit. The only reason I requested the loan was based on the information that XXXX provided. Otherwise I would have used XXXX or XXXX XXXX XXXX XXXX XXXX. I told XXXX that my direct deposit was going to XXXX not penfed and she told me that I would need to provide a copy of my XXXX.
Also XXXX told me that my wife would qualify for the loan even though she was not a member yet.
My wife submitted an application for membership and opened an account because of this.
|
| 03/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
On XXXX XXXX, 2022 two accounts were opened with my name, my SS # on line in the state of Virginia with PENFED Credit Union. On the same day, XXXX XXXX, 2022 there were two more accounts opened on line, one savings and one checking, with my name, SS # with XXXX that I have a credit line at their local office in XXXX XXXX Florida. I have cancelled these accounts but who knows what else was opened. On XXXX XXXX, 2022 a request was summited to have my US mail forwarded to another address from XXXX XXXX, 2022 to XXXX XXXX,2022. I was notified of this while I was out of town and contacted the local Post office to stop forwarding my mail, which took them a few days to respond to this request. I contacted the office for Federal Mail Fraud XX/XX/XXXX and made them aware of the Identity Theft and asked them to assist me. I have contacted XXXX, XXXX and XXXX to freeze my credit.
|
| 12/20/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2022, I received a call from someone using my credit union phone number. They said there were suspicious activities on my account and needed me to verify whether I made those charges. As we were going through the transactions, I was sent a code to verify so that the charges could be reversed. However, what happened was that they gain access to my bank account and wired out approx. {$20000.00} in XXXX separate transactions. As I was speaking to the credit union later that afternoon, XXXX of the wire transactions failed and part of the money went back into my account. The scammers changed my email and phone number. I have been working with my credit union to reestablish my account but I have not been able to get this done. I have called every day and each time the member service person gives me a different answer and indicated that someone would be calling me.
|
| 07/10/2015 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
XX/XX/XXXX, l signed for Debt protection with PenFed Bank l was been billed almost {$55.00} a month, fast forward to XX/XX/XXXX, l lost my business and l need help with my debt protection pending getting back on my feet ; l was declined due to RED TAPE that internally created by PenFed to discourage folks from applying for debt protection, l was asked for numerous documents l submitted every single documents despite all this documents l was declined debt protection and l was told by one of the PenFed representatives that only DEAD PEOPLE qualified for debt protection, because l am still living l do not qualify ; l found this very offensive, l attached application form for debt protection ; this document clearly says in case of involuntary unemployment l am qualified, l paid over {$5000.00} for this protection now that l needed it l was denied for unreasonable reason.
|
| 02/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
I applied for a new car auto loan at Penfed Credit Union and was pre-approved for the loan. Following the pre-approval, I made down payment for the car and tried completing the loan process. However, I was unable to complete the loan process as I was getting error messages. I reached out Penfed Credit Union customer service and I was informed that they have been experiencing technical system issues since XX/XX/XXXX and are unable to locate and authenticate a large volume of XXXX car models. Despite this being a known issue for more than 2 months, they still didn't provide any advance notice about this being a potential issue that could prevent the applicant from finalizing the loan.
This loan was for USD XXXX at 1.99 %. Due to Penfed Credit Union 's action, I have suffered a significant loss as I now need to apply through other banks at a higher rate of interest.
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
In XXXX XXXX, I opened a credit card account at Pentagon Federal Credit Union ( Pen Fed ).
However, I did not receive any mailed invoices from Pen Fed.
When I went online to view my account in XX/XX/XXXX, I noticed Pen Fed billed me their annual fee in XX/XX/XXXX, my first month.
Therefore, Pen Fed submitted a 30 day late to the credit rating companies.
I am a high net worth person, and it is absurd that my credit rating has been penalized for a {$95.00} annual fee charge because of this 30 day late.
I rarely used this credit card and XXXX had caused mail problems in our region.
Then, then same thing happened in XX/XX/XXXX.
So now, Pen Fed submitted two 30 day lates to the credit agencies.
Pen Fed refuses to change their submissions, which I feel does not consider the fact that Pen Fed never informed me that my invoices were only available online.
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} PENTAGON FCU XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit.
30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score.
Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times 30/60/90 days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks -- Creditor Name PENTAGON FCU Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct?
If not, you can report an inaccuracy.
Learn how to r
|
| 06/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
On XX/XX/2023 I applied online to open a new checking account with PenFed which includes a credit check. After the credit check was completed the very same day I received an e mail from PenFed about loading supporting documents. I went ahead a followed the procedure to upload the documents and after I was done I received a notification to allow 3 to 5 business days to process. On XX/XX/XXXX I got another e mail to upload my documents which I did and did not think nothing of it. On XX/XX/XXXX I got another e mail to upload my documents. Again I did as requested and received a confirmation e mail. Today XX/XX/XXXX I mailed them asking for an update and they claim they can can not find my documents or files. Please investigate. I have all the e mails that I received from them if you need them. It is very concerning that they can not locate my personal documents.
|
| 09/06/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American |
|
Hello Today I received a letter stating I had opened an account with PenFed Credit Union. I have no knowledge of ever opening an account with this institution. I call to PenFed Credit Union and the first call was directed to rewards center. after a representative transferred the call. I called back and the call was placed on a very long hold, reprentative came back on said they were filing a fraud claim. I then asked to speak to a supervisor and again a very long hold time. This representative advised me that the account was opened XX/XX/2022. I asked who set up the account she had no knowledge of who opened the account. I then advised the representative that someone used all my personal information to open this account.Supervisor advised because I opened a loan with loan pal and i agreed to this account being opened. I never agreed and this may be fine print
|
| 08/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
XX/XX/2022 statement for account XXXX had a balance of XXXX that was paid in full BEFORE closing date. The statement shows XXXX balance with no payment due for XX/XX/XXXX. 2022.
However, the Card was supposedly closed due to fraud on XX/XX/2022. Received a new statement claiming I owe {$6000.00} Im confused as to how the XXXX balance of {$5900.00} jumped to {$6000.00} ( {$84.00} more ) on card ending XXXX ( the NEW CARD ) with a payment of {$15.00} on XX/XX/2022 when the balance on card XXXX was supposedly XXXX as of XX/XX/XXXX and the card closed due to fraud????
Ive attached two XXXX STATEMENTS.
1. Paid in full zero owed on XX/XX/2022 2. A balance of {$6000.00} on the new card for XX/XX/2022. AFTER claiming the account was closed due to fraud And PAID IN FULL!!!!
In addition, It does not show any purchases or how this additional monies were incurred.
|
| 07/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
On XX/XX/2019, I used my credit card to pay for my flight baggage. The credit card is marketed as reimbursing the first {$100.00} in qualifying airline incidentals per calendar year on qualifying airlines. I overall spent {$60.00} for 2 bags, and this is my first time attempting to use this credit. The credit card terms state that it should take 2-4 weeks to be reimbursed. I called the credit card company first proactively to ensure that I would be reimbursed. I was assured that it takes time to post. Then, I called 2 more times after that when the credit did not post in the supposed time frame. I left roughly a week 's time between each call. Nobody has reached back out to me since my last call slightly over a week ago, nor have I seen an adjustment on my account. I have paid the outstanding balance in full and have complied with the terms and conditions.
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To whom it may concern, I am requesting to remove the unauthorized inquiry as a result of Identity theft from PENTAGON FCU-XXXX on my credit report.
The credit inquiry is from PENTAGON FCUXXXX on the date XXXX/XXXX/XXXX. And it is on XXXX.
I have not applied for anything with PENTAGON FCU-XXXX and did not EVER authorize PENTAGON FCUXXXX to check my credit history. This is a result of a recent identity theft.
I am requesting that the unauthorized and illegal credit inquiry be removed from my credit report as soon as possible. But if PENTAGON FCU-XXXX is able to prove that the inquiry is indeed valid, I request that PENTAGON FCU-XXXX provides written proof and a description of how the investigation was conducted.
Enclosed are the reports of Identity theft filed with the XXXX Police Department and the Federal Trade Commission.
Sincerely, XXXX XXXX XXXX
|
| 08/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Penfed Credit Union is taking advantage of my ignorance towards the consumer debt laws. They did not update my payment status and account status which is hurting my credit score to this day after paying in full through the debt collector they sent after me... They still have my status as " charge off as bad debt and unpaid. When I paid in full 2 years ago. I need Penfed Credit Union to take responsibility and fix this issue asap. They are not a good bank for this and I wouldn't recommend. I have been trying to contact them and let them know i paid in full already and stating they need to update my credit card account on their end. I have letters and proof of contact and form stating I paid in full settled. All I request once again for the numerous time to please update my payment status as '' Paid in full '' nothing more nothing less for the payment status.
|
| 02/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American, Servicemember |
|
I received several emails from PenFed exhorting me to join their credit union ( I was a member when I was stationed in XXXX, XXXX and XXXX, XXXX ).
They sent me a request for color copies of ( quote ) : 1. Social Security Card, current tax year W-2, or signed current year tax return showing SSN.
2. Current, non-expired U.S. Government-issued ID, such as driver 's license or passport.
3. Driver 's license, utility bill dated within the past 30 days, or current vehicle registration.
I uploaded color copies of my Social Security Card, XXXX XXXX XXXX retired ID card, and my Virginia driver 's license.
They rejected me out of hand for not having a government-issued ID card. The United States XXXX XXXX has been a US government entity since XXXX XXXX XXXX, and I served in that department for 20 years.
Either they mistated their needs or chose to ignore
|
| 03/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
Someone pretending to be me had funds in the amount of {$1500.00} transferred from a bank account at one bank ( XXXX XXXX XXXX ) to pay a late payment at another ( Pentagon Federal Credit Union ) on XX/XX/2020. I called both agencies and didn't get any resolution. The bank the funds were transferred to said somebody called saying they were me and to transfer the money from my account at the other bank. I, of course, didn't know anything about it until I checked my bank statement. I have been working with a debt consolidation company ( XXXX XXXX ) and the bank receiving the payment stated that's who had done it but, upon contacting them, they said they know nothing about it. In a three-way call, I was told by the receiving bank that they would look into it but they don't seem too interested in doing anything about it. What can I do to get this resolved?
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. XXXX and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned!
Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. This company is in violation of the law.
Please find attached document that further proves my claim.
|
| 02/25/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
I paid my HELOC in full last year on XX/XX/XXXX and requested the account be closed as I no longer intended to use the account. The account was closed and I paid the reconveyance fee to have the lien removed from title. However, upon reviewing my annual tax documents for XXXX for my HELOC # XXXX I noticed I was double charged the {$220.00} reconveyance fee and it was listed as a " late charge payment ''.
I've called multiple times beginning on XX/XX/XXXX, again on XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX to have this corrected, but they are refusing to refund my money and have not called me back. I have never had a late payment in my life and this is very upsetting to see no one is responding to this servicing error. It has now been over a year since they improperly collected these funds and I believe they should refund the money with interest.
|
| 05/09/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Pen Fed Credit Union gaslighted my application process with claims that Ive got proof were not true. I tried working with them. This was personal or racist. Ive got notes. This appeared in cooperation with the appraiser, and they misinformed the VA about my appraisal and condition of my home. The VA then denied my application. These were made up. I did not get my benefit or a refinance. The CU delayed and delayed. I was passed around for answers and assigned new help. These people played very dumb. Its was 6 months and I then lost my locked in refinance. I did not have the issues these people will claim I had. It was claimed I had No Heater in Maine by the appraisal. I have XXXX XXXXXXXX XXXX with more than a 100 gallon tank. I had sent pictures. Other items. This couldnt be resolved so I was FORCED to give up that benefit. I am a XXXX XXXX XXXX XXXX
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I am writing in regards to a late payment that was recently reported to my report. This late payment is very disappointing because I am in the process of applying for a new apartment and I will not be approved with a late payment. I have reached out to the creditor and they have stated there is nothing that they can do. I am currently trying to obtain a loan to help me catch up with my bills and with a late payment that is not possible. I am moving to a new apartment at the end of XXXX and with a late payment I will not be able to move into a new apartment, Penn fed has no sympathy for loyal customers who have made all of their payments on time. I am having extreme hardship due to COVID and I am under an enormous amount of stress because of it. I do not feel it is right to continue to punish someone for a mistake they make due to a financial hardship.
|
| 03/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XXXX, MI XXXX I NEED TO SEND DOCUMENTS IN TO HAVE MY 3 ACCOUNTS OPENED. 1 CREDIT CARD, 2, 2 OVERDRAFT LINES.
CALLED and left two messages for XXXX XXXX at XXXX ext XXXX.
XXXX XXXX XX/XX/2019 XXXX XXXX XXXX. XXXX XXXX, MI. XXXX Office of the Vice President, XXXX XXXX XXXX VIA : Consumer Financial Protection Bureau Application IDs : XXXX and XXXX To a materially interested party, I am requesting Applications ID : XXXX and XXXX to be pushed through. I have no derogatory information in my file with XXXX, XXXX nor XXXX. As of XX/XX/2019 I have a FICO of XXXX with XXXX. I hope we can come to a peaceful resolution against your party without future complaints and if required potential litigation and change of venue if your party requests for my simple two checking accounts with a {$500.00} overdraft protection limit on each and minuscule credit card line.
|
| 12/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I checked the XXXX website to apply for an auto loan. Rates are published in the website and I know a lot of people who financed their cars with XXXX at 1.49 % or 1.99 %. To my surprise, there is a notice now on the website that reads : " Rates displayed are for all auto loans excluding residents of Puerto Rico. To receive the current auto loan rates for Puerto Rico, please contact us at XXXX. '' When I called, the rates for Puerto Rico are much higher that those offered to the rest of American citizens consumers in US. XXXX discouraged me from applying to the loan with those higher rates.
I understand this is a discriminatory practice under Fair Lending and other related consumer regulations and must be investigated and corrected. In addition, I was informed that these different rates were apparently established in the aftermath of Hurricane Maria.
|
| 09/19/2015 |
Yes |
|
|
|
Web |
|
|
I have a credit card account with Pentagon Federal Credit Union and have requested several times that the credit insurance I am being charged monthly be discontinued via email within their secure email messaging platform and they refuse to do so unless I sign documents. My email from within their secure website should be good enough.
I have placed the credit insurance debit charges that they keep charging me into dispute, yet I logged in today and I can not find anything about the status of the disputes. This month, another charge for {$.00}. These charges may be small, but they add up, and when this may be occurring nationwide, it adds up to a considerable amount of money. When I inform you I no longer want the credit insurance it should be removed prompty without the need for dispute resolution or me having to go to regulatory agencies to complain.
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, ACCOUNT NAME, ACCOUNT NUMBER has violated my rights.
ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PENTAGON FEDERAL CREDIT UNION ACCOUNT NUMBER : XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBERXXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.
15 U.S.C 1681 SECTION 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 10/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
Greetings, I called Penfed customer service to report unauthorized activities in my account and the first agent that took my dispute was very kind and assure me that I will be getting my money back. Then I receive an email from the security department that if I had authorized some transactions and I told them no. They saw the discrepancy with the account because they with withdraw {$300.00} and then refunded me and then charge me again for three different {$300.00} dollars transactions, {$500.00} and {$100.00} I spoke with the security department and they told me that they will transfer me to customer service after being on the phone with them for over one hour.
The last agent I got then tried to treat me with an attitude, and they have not refunded my stolen money, and that is shameful because even one of the agents told me that it is weird.
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| 03/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
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Web |
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In XX/XX/2022 I received a check {$9800.00} from PENFED Credit Union for a personal loan that I did not apply for. I checked the credit reports companies, and the loan was there. I did not cash the check and I notified by mail PENFED and the XXXX XXXX, XXXX and XXXX. I received a letter from PENFED Fraud Investigations requesting copies of personal government documents which I found strange because that may generate fraud and identity theft. I never cashed the check and never accepted the loan. I received phone calls from PENFED but never was a message or voice mail left and when I answered the call no one is on the line. Their phone number is useless for my specific case.
Since I did not cash the check, I did not report this matter to the police.
In addition, they sent me an insurance enrollment form from XXXX and PENFED dated XX/XX/2022.
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| 06/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2022, my credit card was subjected to a Hostile Takeover of Account XXXX XXXX XXXX XXXXXXXX and {$2000.00} was taken as a cash advance and transferred to my savings account.
Subsequent to the transfer to savings, there was an attempt to transfer the {$2000.00} out of savings which was unsuccessful as the account was frozen.
The hostile actor changed my email address and password denying me access to the account.
As requested by the bank ( Penfed Credit Union ), I have uploaded my Drivers license, copy of a telephone bill, social security card, and a notarized request to change my pass word.
I have now received an invoice for {$2000.00}, which is for the {$2000.00} fraudulent cash advance plus interest and fees. The balance is due by XX/XX/XXXX and I have been unable to resolve this in spite of numerous calls to the bank.
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| 01/07/2022 |
Yes |
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Web |
Servicemember |
|
PenFed Credit Union did not submit documents to the lawyers office in NC in timely fashion in order to close on scheduled closing date of XX/XX/2021. As a result I had to ( 1 ) stay in a hotel along with son until XX/XX/2021 until documents were sent. ( 2 ) All my house furniture was already enroute to the house for delivery on XX/XX/2021 but closing had not occurred. Had to put all furniture in Public Storage in XXXX, NC garage style unit until closing occurred on XX/XX/2021. In XXXX had to pay for 2 trips to get furniture to residence in XXXX XXXX because it was changed to smaller truck once it left my former residence in XXXX XXXX, MD. I contacted the supervisor of the processor as well as my real estate agent did the same, with no results. I need to be reimbursed for hotel stays and furniture moving expenses from XXXX, NC twice.
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| 12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
In XX/XX/XXXX I opened a credit card with Pentagon Federal Credit Union. I do a lot of business with them. In XXXX I sent them a copy of my military orders for the year to activate my XXXX benefits. While I was waiting for them to correct my interest rates they reported me as missing a payment. I complained to them and was told it would be corrected and it never was. In XXXX it recently happened again. Although I sent them a copy of my orders they still haven't activated my XXXX benefits and they having me down as being 30 days late on my payment twice now. This is negatively affecting my security clearance and my finances as my family and I are trying to relocate. As a XXXX veteran I expect more from a military credit union. I've called and emailed and haven't been able to get this corrected so now I'm completing this complaint.
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| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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XX/XX/XXXX-Pentagon Federal Credit Union ( PenFed ) mortgage went into COVID Forbearance XX/XX/XXXX-I applied for a refinance with PenFed since the rates were low.
XX/XX/XXXX-PenFed denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XX/XX/XXXX.
XX/XX/XXXX-PenFed reported my loan as delinquent/overdue by 120+ days to XXXX and XXXX despite the fact that I have never, ever paid my mortgage late.
XX/XX/XXXX-I contacted PenFed to ask them to remove this inaccurate information from my XXXX and XXXX credit reports.
XX/XX/XXXX-the information is still listed as delinquent/overdue on both XXXX and XXXX credit reports.
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| 03/23/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
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|
Web |
Servicemember |
|
I had initially opened an account to secure an auto loan. After not taking the loan, I decided to close the account. Mind you this account has never been used, has no linked cards and no checks or otherwise. They attempted to close the account clearly unsuccessfully but did manage to issue a check to my address for the the balance of the account.
The account did not close and remains open. They have sent me correspondence that the account is in a negative balance. This is impossible except by mistakes on their end because the account wasn't and couldn't be used for anything other than a Pen Fed rep making changes. I again sent written correspondence and was told the balance needed to be cured to close. Can someone please help get me out of this perpetual loop before they causes me any further problems based on clerical errors?
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| 05/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
|
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I made my payments fully at the end of my billing cycle. This was very important because I needed to show 0 % utilization on my card. I am in the middle of purchasing a home and credit card utilization can hurt my score.
Penfed incorrectly reported that I had a balance on the credit card of over {$2000.00}. My credit score went down 14 points, which put me below the limit of a good interest rate and increased my payments by {$350.00} per month between higher interest rate and Mortgage Insurance.
I spoke with XXXX XXXX from customer service in Penfed Credit Union, who sent a request to the department of Credit Bureau Corrections to do a reversal and do a report of paid off balance.
Attached you can see that my credit available is {$10000.00}, which is my maximum credit, meaning that I have XXXX balance on the card due.
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| 03/25/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Older American, Servicemember |
|
I tried to secure an IRRRL refi with Penfed ( Pentagon Federal ) and they just strung me along. Instead of telling me from the outset that they didn't do refi 's under {$100000.00}, they made a fool of me. I don't think they want to make 30 year mortgage loans to XXXX veterans who are older. I'm XXXX and I feel I was discriminated against. I've been working on this for a month and a half and I even got a replacement Social Security card to satisfy them. I received a denial in the mail, yesterday. You can't contact these people by phone. The loan # XXXX and my Penfed # XXXX. The loan officer who never returned my calls is : XXXX. The COO who never returned my e-mail is : XXXX The EVP/President Mortgage is : XXXX I also plan to file a complaint with the Texas State 's Attorney over age discrimination against a XXXX veteran.
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| 09/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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The funds in my account were frozen. I contacted Penfed and they stated due to my account being frozen they would return the money deposited into my account by the SBA back to the treasury department. This was stated to be done on XX/XX/XXXX. I contacted the SBA and the funds had not been returned and the rep I spoke with at Penfed would not answer my calls nor return my call to inform me that my money had been sent back to the SBA. I finally got a chance to speak to a rep yesterday who stated on XX/XX/XXXX that my funds had not been returned and that she would be processing them via check which she could not state when this would be done. I was told this had already been done on XX/XX/XXXX which XXXX XXXX the head of the security department had stated this had been completed only to discover it had not been completed.
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
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PENFED is suppressing ( NOT reporting ) my payment history on my POSITIVE installment TradeLine. PENFED is also currently reporting negative information, proving that their suppression of my POSITIVE payment history is punitive, retaliatory, harassing, and deliberate. PENFED is violating my FCRA rights and is causing me great hardship regarding finding an apartment and employment. PENFED is also preventing me from obtaining credit at reasonable rates. PENFED CAR LOAN XXXX ( on my XXXX Credit Bureau Report ) clearly shows UNKNOWN PAYMENT HISTORY. I have filed numerous disputes with XXXX and PENFED to correct this, but XXXX claims that PENFED is NOT REPORTING the POSITIVE payment history. PENFED must restore my POSITIVE payment history, which was listed on my XXXX file previously but is now not being reported by PENFED.
|
| 10/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
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|
Web |
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I received a letter today XX/XX/XXXX dated XX/XX/XXXX that my account had been closed. I was not aware my account had been closed. I was also advised this was a result of service fees that were being charged to my account monthly. I had a free checking account and request the fees to be waived. Additionally, I was charged {$30.00} for a returned transfer from XXXX back which was a result of XXXX Bank making an error. As seen from the attached correspondence from XXXX, this was their error and was fixed. I ask for a credit of those fees as well. Please instate account and fees. Thank you.
The bank indicated I was refunded the fees from XXXX Bank. The fees XXXX refunded did not include these fees from XXXX as I was not aware of the impact till months later. Please see a copy of that was refunded by XXXX and for what.
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| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.
The identified transactions are not information related to any transaction by me as the consumer ( see attached )
|
| 11/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
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|
Web |
Older American, Servicemember |
|
On XX/XX/2019, I applied to PENFED Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX, for a credit card.
PENFED Credit Union, since my application dated XX/XX/2019, I have not received either the credit card or the reason for denial as required by The Fair Credit Reporting Act.
The Act requires creditors to notify you in writing if an application for credit is denied. This notification must be mailed within 30 days of the decision.
A notification must include the reasons the creditor decided to reject your application -- including insufficient credit history or a high balance on revolving credit accounts.
They are in violation of the The Fair Credit Reporting Act and subject to a civil lawsuit for their violation as I have not received a notification as required under The Fair Credit Reporting Act.
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
So, basically Penfed Credit Union isn't honoring the removal of a credit card I paid in full in settlement offer of {$4500.00} with XXXX XXXX XXXX XXXX XXXX. It's damaging my credit score for awhile now. I disputed it to all 3 credit bureaus multiple times but no changes were made in deleted or correcting the payment status and account status on XXXX, XXXX, and XXXX. 2nd offender is XXXX XXXX XXXX XXXX they are not updated my balance on account on all 3 credit reporting agencies at all. After I called them too many times to remember, but kept the call logs of on me calling to explain. XXXX XXXX XXXX XXXX XXXX have not updated my credit report on XXXX, XXXX, and XXXX neither after I paid in settlement deal. They are hurting ym credit score bad by not reporting to the credit reporting agencies since XX/XX/2021 2021
|
| 09/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
PENFED Mortgage is not capable of servicing my mortgage. They have " lost '' my payment 3-4 times in the past year. In XX/XX/2019, they returned my mortgage payment and I had to re-pay the mortgage in order not to be late. They are blaming it on " system issues ''. Even though they said that everything was OK, the XXXX Mortgage statement shows that I did not pay the XXXX payment. It is very stressful and its becoming unfair and abusive on their part. I am sure other consumers have to go through this and they are not fixing this problem. Please supervise this Credit Union and make sure that they are complying with CFPB 's servicing 's rule and not violating the UDAAP rule. As of today, they still haven't returned my phone call regarding my " past due '' account which is not past due since I pay my mortgage on time.
|
| 12/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
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|
Web |
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Through my XXXX XXXX mobile app. I received an offer to refinance my existing XXXX XXXX XXXX loan for a lower interest loan with Pentagon Federal Credit Union AKA PFCU. When I called the number I was rerouted to a third party broker who sounded like a child and very unprofessional. He asked for alit of information which I provided ... and he seemed to know specific details of my account with XXXX XXXX. I also told him that I didn't want another hard inquiry on my bureau and that I needed to know the likelihood of approval. He stated nearly 100 %! I was denied and now have a hard inquiry on my record. When I called back to inquire of this situation... .no calls back and no address or info online of this person or his alignment with PFCU. I believe this person has my credit information and is not legitimate broker.
|
| 06/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
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|
Web |
|
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My old credit card was lost/stolen and the balances from that were moved to a new card number. As a result of that transfer, my rewards points ( {$47.00} accrued till that point ) should have been transferred over to the new credit card as well. The PenFed system charged me interest even though I was on AutoPay. That interest issue was resolved, however, the rewards issue has still not been resolved despite multiple calls and even an assurance provided to me by PenFed after a prior CFPB complaint. I even called and described this in a very long and elaborately detailed call with PenFed less than 2 weeks ago and I was informed that a ticket was being opened to address the issue and they now knew what was wrong. Today, I called and there was no clue about the issue on PenFed 's end. I am not sure what is going on.
|
| 10/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
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I paid off a checking overdraft line of credit in XX/XX/2019 but Pentagon Federal continues to report it as over the credit limit and late for over a year through today. I attached a communication from XXXX XXXX at Pen Fed acknowledging that the account had been paid off in full. PenFed never sent me notices that any amount was owed for this account. It has literally destroyed my credit score. There have been dozens of communications in prior years for them deliberately reporting false negative information and I can not get them to stop. It is deliberate and based on situations and information I charge it to be pure XXXX. I plan to file a separate formal race discrimination complaint. I also filed a complaint with the company, its supervisors and NCUA. Please make them stop immediately and hold them accountable
|
| 10/21/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
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Pentagon Federal Credit Union sent me an erroneous notice about needing flood insurance on property. Ive had a HELOC with this lender for over 5 years and was never required to get flood insurance as the property was built above a 100-year flood plain. I called the lender and after a few transfers and absence of answers for the notification, I was told to disregard it. Fast forwarding it to day, i just saw my mortgage payment erroneously reflects an increase in monthly payment by {$2000.00} ( assessed charge for flood insurance ). This puts me at a potential of not making the new erroneous payment. This is a diceitful and erroneous practice of the lender. Asking for investigation, identification of root cause, and corrective/preventive action that insures other customers are not affected by these practices.
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance.
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to Peb Fed company and they replied they will remove the charge from my account therefore no lateness should be on my report.
Fraudelant charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from Pen fed bank I am requesting to remove this lateness from all 3 bureaus as soon as Pen Fed promised.
|
| 07/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Older American, Servicemember |
|
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX
|
| 04/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I contacted Pentagon Federal Credit Union to inquire about products and services. After establishing an account, I called back that same evening to apply for an Auto Loan. When applying for the auto loan with the second representative, he offered and and asked if I wanted some type of insurance product that would take care of payments in the event that I was injured/etc. What I found EXTREMELY disturbing is that fact that the rep asked if I had been diagnosed with XXXX, an XXXX, or XXXX. That is confidential and personal information. No customer service representative should be qualified to ask for that information. No customer service representative should be privy to a customer 's name and potential XXXX, and/or XXXX status. In addition to this, this is discriminatory lending practices. This is not ok.
|
| 01/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I traded my purchase loan vehicle into XXXX XXXX XXXX XXXX to start a lease on a new vehicle. I requested a loan payoff good thru the XXXX of XXXX from PenFed. XXXX XXXX XXXX XXXX sent a payoff check in XX/XX/2021 and have proof it was signed for by XXXX. at XXXX on XX/XX/2021. To this day my account shows that I am due for the XXXX payment of {$1300.00} and the remaining loan amount of {$39000.00}. Since then I have called in over 3 times to get this resolved and I have been told it was being investigated, that it will soon post, and not to worry about it. To this day nothing has been done and I am receiving various types of notifications that my loan is in default. This is obviously in violation of FDCP regarding my loan that should reflect a paid in full status! I need this to be resolved ASAP!!!!!
|
| 07/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I contacted penfed to make a payment on my credit card because I could not add my account on their website to make a payment. I spoke to a manager in the credit department who explained that this happened to several members. She said she would expedite a credit bureau dispute which never happened and my credit rating keeps being destroyed by their actions. I waited over a month for penfed to review this and make the necessary changes and they refused. I called in and a woman made the payment for me a made an error which further delayed the payment because it had to go to their back office. If this isn't corrected penfed will be brought to court to have this remedied. I tried to make the payment but they had a system-wide issue and refuse to correct my credit report or handle the fraudulent charges.
|
| 09/14/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
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Me and my wife made reservations to XXXX XXXX in Arizona in XXXX of 2019 because it is the only way to ensure you can get a space. We only had an opportunity to go in XXXX XXXX 2019 ; however, at this point in time we financially can not afford to continue with our reservation so we cancelled it online which is the only option and that was successful. The other item which was the mule pack on XX/XX/XXXX and XXXX can not be reimbursed and there is no number to call or email to have someone reach out to you. I have not utilized the services and I was originally charged without my consent anyway. I am extremely frustrated because my bank is not giving me an option to even file the claim for a service I have not even received yet and will not be using now.
My XXXX XXXX card was charged on XX/XX/2019
|
| 11/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
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On XX/XX/XXXX on finance a XXXX XX/XX/XXXX XXXX with pentagon credit union which my father is the cosigner. His name is XXXX The pentagon Credit union has only report to the credit Bureau that only made XXXX payments. the reported the first XXXX payments only. So from XX/XX/XXXX to XX/XX/XXXX they have not reported no information to any credit Bureau affecting and damaging my credit and father Credit payment history determines 35 % of a FICO Score. You have no just cause damage mine but also to my father XXXX. If this matter is not resolved and we are not considering the right interest rate for the mistake that the Penfed has made for inaccurate information. This has caused us XXXX damages, higher insurance premiums, Damages for emotional distress, humiliation ; indignation, and pain and suffering
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I HAVE BEEN A MEMBER OF PENFED CREDIT UNION FOR SEVERAL YEARS NOW AND I CANT QUALIFY FOR NONE OF THEIR PRODUCTS. NO CREDIT CARDS OR LOANS OF ANY SORT. I EXPLANINED SEVERAL TIMES THAT SOMETHING IS WRONG WITH THE APPLICATION PROCESS WHEN I FILL OUT FOR A CREDIT CARD. FOR EXAMPLE IT WAS STATED THAT I HAD NEGATIVE ACCOUNTS ON MY CREDIT REPORT AND ALSO COLLECTIONS. BUT WHEN I LOOK AT MY CREDIT REPORT ON XXXX THERE ARE NO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. PLEASE SEE ATTACHMENT. THE DAY I WAS DENIED ON XXXX THE XXXX MY CREDIT SCORE WAS XXXX. SOMETHING IS TERRIBLE WRONG HERE. I'VE BEEN MENTIONING THIS FOR YEARS TO THEM AND TO EQUIFAX. ON PENFED FICO PAGE IT STATES MY FICO 9 SCORE IS XXXX WHICH I CANT SEE HOW POSSIBLE WHENS THERES NO NEGATIVE ITEMS IN MY XXXX CREDIT REPORT. PLEASE EXPLAIN THIS TO ME.
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
A few years ago, I have used several credit cards issued by the Pentagon Federal Credit union. In XX/XX/XXXX I filed for bankruptcy. One of my PENFED credit cards Travel Rewards XXXX ending XXXX was delinquent and was reported in the bankruptcy petition. However, the rest of PENFED credit cards were paid off and were not included in the bankruptcy. In XX/XX/XXXX, exactly one year ago, I learned that PENFED reporting a VISA credit card ending XXXX as delinquent and included in the bankruptcy, which is absolutely incorrect! I contacted PENFED customer service, explained the situation and provided a copy of my credit report, and asked to correct this issue.
Unfortunately, PENFED absolutely neglected my request and continuing to report incorrect information, which is negatively impacting my credit.
|
| 06/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American |
|
They offered me a credit card with a {$200.00} bonus credit if I spent {$1500.00} dollars. As well as fairly high cash back numbers on certain purchases.
I spent the money but instead of giving me the cash back, they gave me " bonus points '' which are not worth the {$200.00} because you can only spend them on gift cards with a huge surcharge. for instance it costs {$30.00} worth of points to puchase a prepaid " digital '' credit card with {$25.00} on it. And this card aside from being impossible to use outside the internet, expires in 6 months. Presumably the company just keeps any unspent money.
I spoke to a XXXX. ( after 4 day of trying to contact them ) She had a horrible accent and just told me " too bad, that credit card doesnt give money back '' then refused to give me her supervisor.
|
| 09/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
My name is XXXX XXXX, a resident of Georgia and I am one of the many victims of XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX elaborate Ponzi scheme. I have been working with Agent XXXX XXXX, until his retirement.
I am trying to communicate with my lender ( Pentagon Federal Credit Union ) that I am a victim of fraud. The vehicle in question is from XXXXXXXX XXXX XXXXXXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX - a XXXX XXXXXXXX XXXX ( XXXX XXXX ) with and price tag {$75000.00} ) is a part of the fraud and that this matter is being investigated by the US Attorneys office in XXXX, GA.
The case number for the open Federal Investigation involving this matter is XXXX. The agent is XXXX XXXX XXXX ( XXXX ) and his email is XXXX.
# 1 - Pentagon Federal Credit Union Auto Loan Account # XXXX
|
| 01/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
During late XXXX, early XXXX of 2021, I telephoned PenFed Credit Union about my personal credit card. My account was previously 60 days past due because I experienced medical issues that I had to shift my monies to ; however, I called and fully explained the issue.
The representative ( lady, which the call can be replayed ) advised me that I had up until the last day of XXXX to make a payment then my account would be up to date. She later stated once I make a payment of {$160.00} in XXXX my entire account would be up-to-date. I made the payment of {$160.00} from my XXXX XXXX XXXX account as promised. Days later, I received notice from all three major credit bureaus that my status was further delinquent.
Since all calls are recorded, someone should be able to replay the entire conversation.
|
| 10/31/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Hello, I have Pentagon Federal Credit Union Mortgage and Mortgage loan # XXXX. I received a letter today that my PMI Cancellation request has been turned down since the principal balance of mortgage balance has not reached 80 % of the original value of the property securing the loan. I also spoke to Penfed Mortgage Department and they told that they used the old appraisal from XXXX and told to send another request.
This request is to use the home appraisal which was done by Penfed Home Equity department in XXXX XXXX, which came to {$500000.00}, so please use the latest appraisal and remove the PMI on my loan. Also attached is the appraisal copy and please use last XXXX digits of my SSN to open the attached appraisal done by Penfed Home Equity loan department.
Thank you, XXXX XXXX XXXX XXXX
|
| 05/11/2017 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
I refinanced my loan throu gh PenFed and it was ma ndatory to open an account with them which they call i t Regular Share. They said that I do n't need to deposit any money to the account, and they 'll deposit a XXXX dollar gift into the account for me. This XXXX dollars are unavailable and I can never transfer any part of it to any other account I have. Then I noticed that my monthly payments ar e 9 cents higher than it should be. I mentioned it to PenFed and they conf essed that they do this unfair activity. They add that " XXXX -dollar gift '' to principal balance of the loans . PenFed p robably makes couple of million dollars only out of this unf air transaction. They have done more unfair activities over my refinancing process, thi s one was the most obvious and simple one.
|
| 09/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
A stop payment was requested back in XXXX 2016. The request was never removed. Several occasions, items were presented against the account, no funds were in the account. Thus resulting in non sufficient fees ( NSF 's ). Several times, I spoke to managers in the customer service to get credit for the fee being assessed. In two occasions, they were reverted. However, other times they were not. I was told that they had to go through a different process to get " approved ''. This never happened.
Eventhough, I still have this account. There has been attempts to withdraw funds from FACTS Management causing continuous NSF 's. Would like someone to take a look on how this agency is refusing to secure an account. Also, marginalizing the poor ( or at a lower class level ) to benefit the wealthy.
|
| 03/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
On XX/XX/2020, PenFed Credit Union deactivated my credit card " in order to protect against possible unauthorized use. '' They had no basis for suspecting " possible fraudulent activity. '' The charges they identified were well within the parameters of the way I have used the card for years. I was unable to resolve the problem over the telephone, because when I finally got through to an agent, she had what I eventually came to see as an endless number of security verification questions, which led to the conclusion that she had no intention of helping me. It was also not possible to resolve the problem online.
The " protection '' PenFed referred to was to protect them, not me the customer. And this " protection '' came with complete disregard for the convenience of a good customer.
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Hello, I am a member of Penfed ( Pentagon Federal Credit Union ). On XX/XX/2021 I applied for their XXXX credit card online but was denied. Instead I received a counter offer of their Cash Rewards credit card. I never accepted that, didn't sign any paper physically or digitally, never made a response to the counter offer. Today XX/XX/XXXX I received the Cash Rewards card in my mail ready to be activated. I called PenFed at around XXXX CST about this and told them I never wanted the Cash Rewards card and never accepted it, and asked them to not have it be reported to my credit reports. The Representative, XXXX told me there's nothing they can do on their end to fulfill my request. Therefore I'm filing this complaint against PenFed for opening a credit card for me without my consent.
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XX/XX/XXXX I applied for a deposit account with Pentagon FCU, simply an account for savings. I did not apply for a credit loan or any other type of credit product. However, a Hard Credit Inquiry was placed on my credit report record with XXXX, as Pentagon improperly performed a Hard Credit Inquiry which has negatively affected my credit score.
I contacted XXXX XXXX in XXXX of XXXX regarding this issue.
I have also tried to correct this error by submitting a dispute on 5 different occasions, each time the credit search has not been corrected.
XXXX XXXX XXXX XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX My XXXX XXXX has been negatively affected as my credit tier should be higher to qualify for lower rates on credit products.
|
| 10/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I engaged in a Consumer Creditor transaction with PenFed Credit Union XXXX XXXX XXXXXXXX XXXX PenFed never disclosed the car was prepaid before I drove away from the car lot. PenFed never informed me the car is fully insured until the completion of the loan. Also, PenFed hasnt disclosed they are debt collectors. The Truth in Lending Act protects the Consumer under XXXX5 USC 1692 Fair debt Practices Act. As a Consumer Creditor in this transaction, the XXXX XXXX secures all obligations, fees, and insurance for said purchase.
On XX/XX/XXXX I requested an investigation with PenFed and requested for them to validate the debt as well. I also noticed every requirement for alleged payments is always in the positive. How do you pay something thats already in the positive?
|
| 07/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
There have been numerous issues with communicating with PenFed Credit Union, using its website and most recently, the inability of PenFed to update my signature card online, via fax and even by sending a written letter ( which was rejected by PenFed - no explanation was provided ).
They will not accept email. Their upload site doesn't work. Their fax machines don't receive faxes sent to them. My last option is to file this complaint to get PenFed to take action ( otherwise, they don't ) I have attached my signature card to this complaint.
Resolution to this issue only requires that PenFed Credit Union accept my signature card and implement reliable methods of communicating with and receiving updates from its customers. This is not my first complaint about this Credit Union.
|
| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
|
| 11/23/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
The mortgage servicing department ( HELOC specifically ) of Pentagon Federal Credit Union ( " PenFed '' ) has not processed payments correctly, rendering my account unusable for 3 months now. While this has been an aggravating problem, it is now negatively impacting me financially ( i.e. having to use higher cost credit card availability ).
I have been told that PenFed went through a system conversion back in XXXX and they are " having difficulty clearing some of these transactions ''. Three months is entirely too long to fix a servicing problem that they created. In addition, their employees are obviously not trained on escalation procedures or regulatory complaints as several times I requested escalation to prevent having to go to a regulatory complaint option, to no avail.
|
| 11/04/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
Dear Sir, OnXX/XX/2018 I filled out an application for investing in certificate of despite accounts for {$200000.00} Penn Fed Credit Union automatically checks credit which effects my credit score. When I contacted them about my application. They had no record of it. They said I would have to apply again and my credit would have another hard inquiry. They also informed me that they keep these on line applications for 90 Days. Well again they don't have mine. They offered me no solution. I made two attempts to have this resolved by phone. I could write a certified letter however I believe this is unfair so I'm hopping CFPB can help. My credit score is excellent and I want it to stay that way. I am XXXX yeas old and have maintained excellent credit all my life. XXXX is involved.
|
| 02/19/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I Have New Updated Information On Pentagon Credit Union : I sent The Pentagon Credit Union an Notarized Affidavit Of XXXXruth for the 2nd time stating multiple violations and I responded back to their false statements via certified mail on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX Pentagon Credit Union received my Affidavit Of Truth. As of now I'm still demanding a response, a proof of validation, a proof of claim, details on what methods Pentagon Credit Union used to validate this alleged debt, and seeking my remedies which is owed to me from Pentagon Credit Union. In the attachments below is my Affidavit Of Truth and exhibits that back up my Affidavit Of Truth. Due to the failure of Pentagon Credit Union rebutting my Affidavit with an Affidavit they are now in default.
|
| 03/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I recently refinanced my mortgage, transferring the loan from Pentagon Federal Credit Union to another credit union. The closing took place on XX/XX/XXXX and I was expecting the release of my escrow and refund of overpayment of the payoff within a matter of weeks but as of XX/XX/XXXX I have not received either refund. It seems to me that Pentagon Federal is holding my funds for the float rather than returning them to me in a timely fashion. Attempts to rectify this with PenFed were unsuccessful and when I reached out to the title agent, they informed me that PenFed actually processed the incoming wire a day after receiving it, triggering an unnecessary day of interest.
My title agent suggests PenFed is notorious for doing this.
Documents can be provided as necessary.
|
| 12/31/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
Servicemember |
|
I am participating in a promotion from PenFed Federal Credit Union. The promotion was regarding bonuses for every {$10000.00} that is kept in a Premium Savings account.
I opened the Premium Savings account solely for this promotion.
I transferred {$10000.00} + {$10000.00} into my PenFed account. I have the funds to cover it.
1 week later right as the promotion date ended, I noticed the subtraction of {$10000.00} and on top of that a {$30.00} FEE which shoved my balance below the {$10000.00} amount for the bonus.
I can not even fathom. I am so angry right now. I am 100 % certain that the funds were available to cover the {$10000.00} transfer.. it should not have been reversed and to add insult to injury a {$30.00} fee to disqualify me from the transfer promotion?
|
| 04/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
On XXXXXXXX XXXX PENFED Credit Union seized and transferred {$280.00} from my checking account and applied it toward my PowerRewards Card with PENFED, leaving me with {$70.00} in my bank. After explaining the money they seized was child support payment and that I am currently unemployed ; they argued that due to a security of interest clause in my membership agreement from XXXX ( which pertained to an credit amount of {$2900.00} ) apart of a separate agreement allowed this to enforce their action. They argued that they would not return the money, although they could see that it was indeed a money transfer authorized to me. They also stated the amount they seized did not cover the full debt amount as I initially already possessed less than {$1000.00} in my bank account.
|
| 12/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to request your help. I tried to solve this matter with Pentagon Federal CR UN in the past. Back on XX/XX/2019, they received a demand for validation letter from me. As of today they have failed to provide me with the proof I have lawfully requested and they have not even remarked the account as disputed. These are two serious violations to the FCRA.
This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. Account is the following : PENTAGON FEDERAL CR UN XXXX. Date Opened XXXX XXXX Credit Limit {$500.00}.
I am demanding a deletion letter from Pentagon Federal CR UN. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
|
| 01/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
I've had a credit card with Penfed Credit Union since XXXX. As a XXXX XXXX XXXX I often go on XXXX XXXX service for long period of times. When I do this I send my credit card companies copies of my orders for them to adjust my interest rate according to the Servicemembers Credit Relief Act. I did this for Penfed in XXXX and they failed to adjust my interest rate. I did this again in XXXX and they failed to adjust my interest rate and charged me a late payment fee that is negatively affecting my credit. I've emailed and called asking them to correct and it still has yet to be done. Please have them refund the difference in interest from the time on was on XXXX XXXX service and have them removed the 30 day late payment they are reporting to the 3 major credit agencies.
|
| 07/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have contacted Pentagon Federal Credit Union three times to get the claim initiated on my vehicle loans that have protection for debt repayment in the event of illness or injury. When I contacted Pentagon they advised that I will have it provided to me within two business days from a company named XXXX.
As of XX/XX/2020 I have not received the forms to complete and the claim number. This is required in order to initiate the claim. The company has collected on the injury accident plan from the day I received the loan.
I am now in urgent need to get this started as this bill should be paid for by the insurance I took out in the event of need. I'm in that position and can get the supporting documentation to the credit union or XXXX however they prefer to proceed.
|
| 07/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
On XX/XX/2020, I sent a letter to Pentagon Federal Credit Union ( PenFed ) and enclosed the following 3 negotiable instruments : Money Order for {$750.00} ( part of regular mortgage payment ) Personal Check for {$120.00} ( ck # ( part of regular mortgage payment ) Personal Check for {$39.00} ( additional money for replenishing escrow account ) Only one of these instruments was negotiated, the check for {$39.00}. The Money Order and check for {$120.00} have not been negotiated.
As a result, PenFed has been issuing me default notices and threatening foreclosure.
I have inquired about the non-negotiated payments ( see letter dated XX/XX/2020 ) but PenFed has not responded.
I also sent a letter to XXXX XXXX but have received no response. ( see XX/XX/2020 response )
|
| 08/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have tried calling and disputing numerous times on an account that was open fraudulently in my name, as I was the victim of identity theft in 2016.
Its been 5 years and it still has not been taken off my credit report, even though the company themselves acknowledged that it was fraudulent & closed the account. I have a statement from them for proof and I have submitted it to the credit bureaus to get it taken off my credit report. It is the only thing that is negative on my account, as I am always making my payments on time. I would like this resolved, please. Every time I call, I get the runaround and nobody has any answers for me. They have stated to wait 90 days but it still stays on there. I dont know what else I need to do to have it removed. Its so unfair.
|
| 02/15/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
I tried to open a CD account at Penfed which was promoted online. I opened the account online and they sent me the signature card requesting to sign and return with a deposit fund. I signed the card and sent it with a {$50000.00} check. After they cashed my check they told me that my social security card and ID card copies are not acceptable. I asked them to refund my money. It has been over a month since I have been calling them every week and asking for my refund and they say I get my check in 5 days, but no check yet. I am running around, losing money on my fund while they are making money on my fund. Why if there was a problem with opening an account they cashed my check? Why have they been making me run around for over a month and not refunding my {$0000.00}?
|
| 02/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am contacting Pentagon Federal Credit Union Credit Card Services in regards to an account that is showing late payments. My account has shown several on-time payments. However, it wasnt until I received misinformation with a customer representative from Pentagon Federal Credit Union Credit Card Services that this person has indicated that Pentagon Federal Credit Union Credit Card Services reports at 60 days late. I learned that this information was incorrect. I was recently out of the country for work purposes. Pentagon Federal Credit Union Credit Card Services admitted that they have the recorded conversation in which they have provided me with the wrong info but indicated that they will not remove the late payments.
XXXX, XX/XX/2019 XX/XX/2019 - 30 Days Late
|
| 10/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2019, I filed a dispute with XXXX, regarding several accounts that had been opened, fraudulently, in my name. They deleted a few, but, left two ( 2 ) remaining. I also filed a complaint, with the FTC, about these accounts, and, had a Fraud Alert put on all three Credit Reporting Agencies. As of this date, XX/XX/2019, XXXX has failed to remove these fraudulent accounts/inquiries. The companies that hold these accounts were notified, and, have rectified the situation internally ; I no longer appear as an account holder on their records, however, XXXX has not removed them from my Credit File, nor, have they responded to my inquiries. The following two ( 2 ) accounts are in question, and, only appear on my XXXX report : Pentagon FCU # XXXX XXXX/XXXX ( XXXX )
|
| 05/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
PenFed offered a {$250.00} incentive to open a checking account. The incentive wasn't paid. There was a condition that 3 consecutive loan payments had to be made from the new account, which I did. The first payment did not come from the new account, although I had set this up in online banking to come from the new account. The fact that it didn't was an error on PenFed 's end, and the customer service rep that I talked to acknowledged that, and said it won't affect the incentive payout. I even paid the loan one month ahead to stay compliant with this requirement. When it came to receiving the payout, PenFed refused to pay, citing the 3 payment requirement that hadn't been met. Their statement is not only incorrect, but also doesn't own up to their own mistakes.
|
| 06/26/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
I requested my on-line saving account at PENFED Credit Union , with a balance of about {$150000.00}, to be close on XX/XX/2023. I also requested the account balance ( ~ {$150000.00} ) be sent to me via check, since they indicated a sum of that amount could not be issued to me via an electronic transfer. Note I had used electronic transfers to and from PenFed and my accounts at my primary banks. I have contacted PenFed via phone to ascertain where and when the balance will be issued a number times without any definite explanation from them. The only response has been we are looking at it and will get back to me by phone. No followup phone calls have been received from PenFed as of today. I have contacted them over XXXX times including today, with same response.
|
| 03/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I made XXXX consolidation loan # XXXX with Pentagon Federal Credit union and I was looking why my account after almost 3 years or 28 payments exactly is still XXXX from a loan of XXXX and I called them and Supervisor Lan employee number # XXXX on Saturday XX/XX/XXXX at XXXX XXXX told me that she thought my loan had a maturity date on XX/XX/XXXX and I told her that after 28 payments with only 3 of them sent the principal and all of the other 24 payments are being going to interest only and no part to the principal she told me that I had signed if I ever made a payment on late they will be charging me interest of the loan until it was covered fully and its a XXXX a month which on my calculations will be never paid. This is a predatory lending as I have verified.
|
| 08/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account does not belong to me, It was open due to a result of identity theft. Creditor is required under the FCRA to provide me a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Creditor has failed to present method of verification for over 60 Days! Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. In the Event XXXX has falsely state the following account verified who verified these accounts? You Must provide me a copy of any original documentation ; a consumer contract with my signature on it!
|
| 10/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I was the victim of identity theft in early XXXX A the end of XXXXXXXX XXXX, I contacted PenFed Credit Union upon receiving a card I did not apply for. Once they ack that it was fraud, they said they would close the account and contact the credit reporting agencies to make an update. I have received a mailed statement every month with a dollar amount shown. Every time I receive it I call PenFed and they assure me that the account is closed, but they can not tell me why I am still receiving the statements WITH A BALANCE. I have contacted PenFed no less than 10 times, and I have no actual way to 100 % confirm that they did in fact do what they said, and I feel they are not being forthcoming as to why I am still getting mail from them or why it shows a balance.
|
| 08/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. However, there are several credit cards where I was added on as a user only, and its time that I request the removal of my name off of the accounts of my husband XXXX XXXX. I also demand the deletion of these accounts from every pertinent credit reporting agencies, XXXX, XXXX and XXXX XXXX respectively. I believe its necessary to file my notice through the Consumer Financial Protection Bureau, as I do not see these creditors working fairly or quickly. Accordingly, I request the deletion of these items from my credit bureaus and the purging of my information with each financial institution.
|
| 07/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On XX/XX/2022 I initiated a credit card application through Penfed Credit Union for their Pathfinder Rewards Visa Signature Card. However, I decided that the card was not a right one for me and sent a request to stop the application process. I never received a reply and I got the credit card. When the card arrived in the mail, I contacted the bank again to close the account and get the {$95.00} annual fee reversed. I never activated nor used the card. The representative confirmed that the account was closed and fee reversed. Today, I received notification that my credit has been adversely affected due to non-payment of the fee that should have been reversed. I reached out to the bank multiple times between XXXX and now to get resolution but never heard back.
|
| 05/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I do not dispute the debt. I have told all creditors multiple times that I have been out of work since late XXXX. I have exhausted all potential job possibilities and I am awaiting Social Security benefits to begin XX/XX/XXXX. Continued daily calls serve no purpose and I formally requested a cease and desist on or around XXXX of XXXX. The month of XXXX the calls started coming daily again. Monday, XX/XX/XXXX, I again formally requested a cease and desist. Once again the calls started this morning, XX/XX/XXXX. I call the creditor, Pentagon Federal Credit Union to remedy the situation. After voicing my concern to the representative, I was placed on hold. After approximately five minuets the call disconnected.
I am exercising protection provided by the FDCPA.
|
| 05/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
XX/XX/2021 at XXXX XXXX, I got a text message from XXXX about a fraud alert in the amount of {$140.00} to PenFed Credit Union. I called XXXX and told them that the charge wasn't valid. On XX/XX/2021, I got a form from PenFed CU in the mail showing a new account number and thanking me for joining. On XX/XX/2021, I got a letter in the mail from PenFed CU that said a stop pay request was placed on a check. On XX/XX/2021, I reviewed my credit report and saw the PenFed CU account on it, with a XXXX balance. I put a dispute on my XXXX information. On XX/XX/2021, I called PenFed CU and was told that there was an account under my name and social security number, but that it had a different email address as a contact. I put in an identity theft report with PenFed CU.
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
NOT MY ACCOUNT I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit.
30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score.
Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
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| 03/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
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Web |
|
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I am a current member of Penn Federal Credit Union. I applied for an auto loan and my credit score and income was sufficient. The company asked me to send in my 2 year tax returns. The company denied me. For some reason the company was denying me based on fraud or doubting my income. The investigator called me asking questions over my income and stating its impossible I make over a million a year with combined income of multiple businesses. At that point I felt really bad that he was discriminating against me because of me being XXXX. He told me he has my account flagged as fraud and any auto loan that I apply for will be denied. Then he asked me did I get my credit repaired? I am a XXXX XXXX and he also told me most XXXX XXXX are bogus and fraudulent
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| 11/16/2016 |
Yes |
|
- Closing/Cancelling account
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Web |
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I opened a credit card ( ending in XXXX ) with Penfed Credit Union on XX/XX/XXXX, I was using this card for over two years without any problem. All of sudden, they closed my card without a notice until my transaction got declined when I was trying to pay at a gas station with this card a few days ago. Then I logged onto my account, the card disappeared on the page. I also check my credit report, it shows that the card XX/XX/XXXX. I contacted their customer service to reopen the card, they did not give me any explanation and said they can not reopen a closed card, I can only go to apply a new card, then I submit an application, it got denied. I have never requested to close the card. And this is the SECOND time that they closed my account without notice!
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| 10/07/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I have new and updated information on Pentagon Federal Credit Union. On XX/XX/XXXX at XXXX Pentagon Federal Credit Union received my intent to sue letter, litigation paperwork, and past documents since XX/XX/XXXX ( See attached documents ) to show proof that I was trying to resolve this matter outside of court. I have mentioned multiple violations of FDCPA ( 15 usc 1692 ) & TILA ( 15 usc 1602 ) and no action or effort was taken by Pentagon Federal Credit Union. So today I demand Pentagon Federal Credit Union to respond to my intent to sue letter, so we can resolve this matter immediately! If I do not receive a response from Pentagon Federal Credit Union by XX/XX/XXXX I will be continuing the next step in litigation. I will be waiting for your response.
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| 08/23/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
Servicemember |
|
1.Theft of Mass Proportion of over about $ XXXX.Blatant disregard for the XXXX, Armed Services, actions without verification, Privacy, professional rules of conduct, and the rules of law.Favors and conduct unbecoming of all bank guidelines, concepts, protocol and authorization by me, the account holder.
2.Recovery and compensation for the suffering of myself, my family and the current threats 3.Immediate follow up and investigations per request of the financial Institution Of the Pentagon Federal Credit Union Fraud Department , Lawyers and Bank managers. of many months of complaint of the main office, Virginia office, XXXX XXXX XXXX, email, and telephone calls.I gave no one permission to make changes or act on my behalf of my life/worldly possessions.
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| 01/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
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|
Web |
Servicemember |
|
I have a credit card account with Pentagon Federal Credit Union.
On XX/XX/XXXX I contacted the credit union via online chat. I requested that my Visa credit card account be closed. I only have one credit card account with this credit union. XXXX.
The representative, XXXX XXXX, stated " Your card has been permanently closed. Please note you will receive your final statement by mail. '' The chat log is attached.
as of XX/XX/XXXX, the account still shows online this card to be active and has assessed additional fees.
I have re-contacted the credit union, The service representative states the card is still active and have no " record '' of the request to close the account. They were again, not able to immediately close the account at my request.
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| 03/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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|
Web |
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RE : Penfed Auto Loan Acct : XXXXXXXX Refinanced this auto loan with Penfed and vehicle has had full insurance coverage since purchase ( see attached ) without any lapse in coverage.
Pendfed is placing and requiring additional costs be remitted in association with adding a new auto supplemental policy - above and beyond the coverage currently in place.
The loan agreement ONLY requires a standard auto insurance policy, which my policy complies and is above and beyond the minimum requirements set forth in the agreement and has been in place since the purchase of the auto.
This action by Penfed is illegal in the State of Florida.
I am therefore filing this complaint and submitting the same to Florida 's Office Of Insurance Regulation.
XXXX XXXX
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| 09/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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|
Web |
Older American |
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I applied for a XXXX XXXX loan directly with XXXX and was approved for Economic Injury Disaster Loan ( EIDL ). XXXX funded my bank account, Pentagon Federal Credit Union on XX/XX/2020. Since then PenFed is holding my funds and have blocked my account due to having XXXX loan deposited into personal account. However XXXX had no problem depositing those funds into my personal account since it is a disaster loan. I have called and emailed PenFed several times explaining that my XXXX XXXX was impacted by Covid 19 and the funds needed to help my XXXX to survive, I was asked to upload my business documents as well as proof of identity. I have provided Penfed with every single document theyve asked for. However the funds are still not available to me.
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| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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PENFED CREDIT UNION took funds from my account that was postdated for another day without my consent or authorization. I spoke with a representative at PENFED regarding payment arrangements with my account on XX/XX/XXXX. I informed them that I would make a payment to the account on XX/XX/XXXX. On XX/XX/XXXX, I received an email notification stating that funds were applied to the account in question. 15 USC states anyone who is collecting a debt is a debt collector. In addition, according to 15 USC 1692f ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument is a violation of the FDCPA. This is abusive and has affected me tremendously. ( see attachments )
|
| 06/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
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On XX/XX/2022 I used my credit card as defined under 15 USC 1602 ( a ) ( L ) to extend myself credit through the company called, '' PenFed Credit Union '' and I was denied. I received an adverse action letter from their company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 USC 1691 ( a ) ( 3 ). I in good faith exercised my right to extend credit as a consumer, and as a creditor I was denied for no specific reason. PenFed Credit Union also violated 15 USC 1602 ( a ) ( p ), by using my credit card with no apparent authority, and I the cardholder and consumer received no benefit. Furthermore, they are civilly and criminally liable under ( 1 ) 15 USC 1611 ( 2 ) 15 USC 1640 ( 3 ) 15 USC 1691 ( e )
|
| 09/25/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I applied for a XXXX XXXX loan directly with XXXX and was approved for Economic Injury Disaster Loan ( EIDL ). XXXX funded my bank account, Pentagon Federal Credit Union on XX/XX/2020. Since then PenFed is holding my funds and have blocked my account due to having XXXX loan deposited into personal account. However XXXX had no problem depositing those funds into my personal account since it is a disaster loan. I have called and emailed PenFed several times explaining that my XXXX XXXX was impacted by Covid 19 and the funds needed to help my XXXX to survive, I was asked to upload my XXXX documents as well as proof of identity. I have provided Penfed with every single document theyve asked for. However the funds are still not available to me.
|
| 11/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : PENTAGON Date of inquiry XX/XX/2021
|
| 10/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I received an ad in the mail to apply for a credit card. I got an email on XX/XX/XXXX saying I was approved for a credit card and that I needed to call to establish membership. I called and they said that if it they did over the phone it would be another hard inquiry so they walked me through applying online. It asked for the same documents that I submitted with my credit card and the rep told me it would link up would just take 1-2 days. Turns out that didn't happen so had to call to get figured out which they placed me on hold for about 30 minutes to do? Finally my bank account was opened and just now I was called saying I would need to submit a new application? I feel like this is a phishing scheme to get my information at this point.
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my account has been diligently neglected by 3 bureaus. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, the 3 bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 06/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 08/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Good Afternoon Back in XX/XX/2021 I tried to make a cash advanced {$2000.00} + {$60.00} Serv Fee on my credit card to my bank account, apparently was done the wrong way and the money.
The credit card number is XXXX XXXX PenFed, I submitted various request for information and they informed that because the bank never received the payment, I still have to pay for the {$2000.00} even that i never received in my account and is holding my credit line.
The only response the I got was back from PenFed in XXXX and they are waiting for the bank to reply and denied the funds ( XXXX XXXX XXXX XXXX ) it may take between 4-6 weeks since my first complaint in XX/XX/2021.
Can you help me resolve the issue Thank you XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 03/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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|
Web |
|
|
I approved for a credit card with Pentagon Federal Credit Union ( XXXX ) on XX/XX/XXXX with an initial limit of {$7000.00}. The card came with a promotional offer of {$100.00} after spending {$1500.00} within a 90 day period. I was approved for a credit line increase on XX/XX/XXXX to {$8400.00}. I paid {$1100.00} on XX/XX/XXXX. My spending passed {$1500.00} around XX/XX/XXXX, meeting the spending requirement. XXXX closed my card on XX/XX/XXXX. I have a XXXX XX/XX/XXXX score with no negatives. They are not my highest credit limit which is at $ XXXX. I generally do not hold balances, but I do use my cards and pay them before the statement cuts. They closed the card as soon as I reached the spending threshold. I did not receive the bonus.
|
| 03/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
|
|
Penfed closed the credit card I opened with them a few years ago and it has a huge balance which I try to make payments on every month but the app won't let me. I also have a savings account with them which I regularly make deposits almost every week. When I try to make a payment to my credit card through the mobile app, it won't let me. After the payment is due and they report it to the credit bureau, then they took the payment from my savings account. Because of that my payments with them is always late. If they can move the money from my savings account to the credit card after the payment is due, why they just let me do the payment on time or move the money themselves before the payment is due? They are destroying my credit score.
|
| 09/04/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We have our home mortgage serviced by PenFed Credit Union. As of XX/XX/2021, the institution does not allow members to pay its mortgage payments bi-weekly through either the online portal nor by phone. The online portal only allows for monthly payments and no partial payments which limit you from setting up bi-weekly manually. If you are process the payment by phone, they do not guarantee the correct calculation of interest - the first payment is held in queue until the second payment is made, thus requiring you to accrue additional interest.
This issue is further exacerbated by the fact that I do not have consumer choice on who services my mortgage - as a result, I am forced to accrue additional interest due to system limitations.
|
| 04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
PenFed Credit union sent me an approval offer for a credit card, I took the offer They approved my application pending docs and said it would be done in 24 hours I submitted docs. They requested more. I submitted more. They requested more. I submitted more.
I took the offer only based on the approval and I provided all the docs they requested I have been lied to by representatives at the company, told it would be approved and it wasnt, I was told 24 hours and that wasnt honored Given the deceptive and unethical practices I made the request to either honor the offer or delete the inquiry off my credit report and withdraw the application.
Please have the withdraw the application and be sure theyre following ethical business practices
|
| 09/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
After being advised by XXXX that an unauthorized transaction in the amount of {$39.00} effective XX/XX/2018, needed to be resolved by my financial institution ( PenFed ), I filed two disputes to have the charge investigated and my account credited. Confirmations on XX/XX/2018 and XX/XX/2018 from PenFed advised an analyst would contact me within 21 business days. This never occurred. Three follow-ups via phone ( the latest on XX/XX/2018 ) and two follow-ups via email ( the latest on XX/XX/2018 ) yielded zero results. No agent of PenFed has contacted me regarding this charge. In the meantime, when charges are in dispute consumers are not responsible for the charge, yet the institution auto-debited the amount upon my statement due date.
|
| 11/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
I applied for a heloc at penn fed credit union XXXX. I have no prior business with this credit union. My application was denied. two months later i receive in the mail a statement showing my " new savings account '' that i did not open and it had {$5.00} in it. This is gros misconduct and terrible. Still doing the same thing like wells fargo. I dont care if they put it in the language of a 50 page disclosure, its wrong and terrible. Please do something. I am a very intelligent business owner for 25 years running an insurance agency. I did close the account with the bank, but they were not helpful at all only referred me to website. Im in process of rebuilding my credit and this doesnt help me.
thanks you.
XXXX XXXX XXXX florida
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Company : PENTAGON FEDERAL CR UN Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Credit Card : Ending in # ... XXXX During the week of XX/XX/XXXX, I spoke to PenFed representative XXXX XXXX. She confirmed that if I made a payment to this credit card by Friday, XX/XX/XXXX, it would bring the account current and that no negative information would be reported to the Credit Bureaus. I made the payment on Friday, XX/XX/XXXX, as I promised. However, the next day, Saturday, XX/XX/XXXX, PenFed Credit Union still reported me 30 days late on this credit card account. PenFed has reported this information to all three Credit Bureaus, and my credit score has suffered significantly as a result ; negatively impacting my ability to buy a home.
|
| 03/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
The Pentagon Federal Credit Union Foundation aka Pentagon Federal Credit or PenFed Credit Union is reporting inaccurate, erroneous, misleading information on my consumer reports which is defaming my character and keeping me from accessing new capital.
They have reported late payments they refuse to remove from my consumer reports. Even though they updated my account to show the account is not past due. They also failed to remove late payment charges and fees totaling {$120.00} from the account.
I sent them a second billing error dispute letter that they ignored. PenFed is continuing to willfully and intentionally adversely affect my consumer reports. I am demanding the CFPB intervene and require they fix these billing errors.
|
| 07/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I suffered hardship due to XXXX. I was unemployed and my family and I battled XXXX. In XXXX of 2021, I was offered a 3-month payment plan until XX/XX/XXXX of 2021. I started with my 1st payment in XX/XX/2021 and each month until XX/XX/2021. I was charged a late fee each month. My balance hasn't changed to reflect any payments.
I contacted the Credit union and was told that the payments go towards the end of the loan. That I would not be seeing any changed in the balance owed.
I have submitted a new application because the State of Texas has ended unemployment back in XXXX and I'm still awaiting a decision on this matter with Penfed.
I would like to know about getting this resolved and the payments made reflect on the account.
|
| 03/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
I was sold a car under false pretences on XXXX/XXXX/16, the day I took the vehicle off the lot I noticed it was not what had been promised. I took the vehicle to the manufacturer that informed me the car appeared to be in an accident and any repairs that would be covered under warranty became null and void. I called the dealer and told them I no longer felt comfortable with the vehicle and was going to return it. I called on XXXX/XXXX/16 to put a stop payment with the financial institution and was told it would take 2 days to process. I have called continually for the past several days as to the status of the stop payment for a car that was returned on XXXX/XXXX/16. Yesterday XXXX I was informed that the payment had been cashed.
|
| 09/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I engaged PenFed Credit union for a mortgage refinance in XX/XX/2020. A property appraisal was paid in full and no response from " underwriting '' has been provided to date XX/XX/2020. They have stopped providing updates to me as a consumer and I have provided all required documentation.
I have requested a copy of the appraisal and it is yet to be sent bak to me.
PenFed Credit Union underwriters, staff and management do not provide customer service.
I have done over XXXX mortgages in my lifetime, this has far been the most unprofessional process I have ever been exposed to as a customer.
No updates, No Answer, 6 Months later no completed underwriting.
Stay away from XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX.
|
| 02/02/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Penfed Credit Union has a provision for XXXX XXXX that they give XXXX day interest for a fixed rate certificate under Compounding and Crediting. Penfed Credit Union is not adhering to their disclosure but is taking interest from the monthly dividends starting in XX/XX/year> because of XXXX XXXX. They are shorting customers interest monthly for the year whatever amount they decide and the customer service and chairman 's office have been notified. It could be a vender not updating for XXXX XXXX but no offer to rectify them scamming customers out of interest has been provided and they say they will continue to take the interest from certificate dividends. This interest theft from customers has to be stopped and held accountable.
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My mortgage recently transferred providers, during this transfer my credit was pulled without my consent and has since dropped my credit score dramatically. PENTAGON FCU Ran my credit without my consent or knowledge, I am not sure who this company even is. Since then, my mortgage has not been reported on my credit report and currently has that I do not have an open mortgage account, which is incorrect. I have had a mortgage since 2019 and have transferred providers before with no issue, and no credit was pulled then. My credit score has dropped dramatically, dropping 34 points, from XXXX to a XXXX. Very frustrated and concerned with the fact that this company got all of my information and then ran my credit without my consent.
|
| 03/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
The company approved me for a loan of {$20000.00} and then proceeded to waste my time by claiming they couldn't verify my identity because I was unable to provide a utility bill at the address where my license says I reside. I gave them a driver 's license, social, and company vehicle registration ( I own the company ).
I explained that I live with my friend. His parents own the land and the utilities are in his name. They took my information and then reset my application back to as if I had submitted zero documents. I am getting the run around from customer service like I'm not submitting documents properly.
They " can't verify my identity '' but having a credit card and paying it off on time every time was okay for them.
|
| 02/10/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
Pentagon Federal Credit Union ( PENFED ) continues to send blank checks in the mail to me via XXXX Mail 's " Presort Standard '', also known as " Bulk Rate '' or " Junk '' mail. It is incredibly stupid for PENFED to be sending blank checks in the mail, on my personal account, showing my name and address, via Junk mail. It is a huge risk to Identity Theft of customers. I have asked them repeatedly to stop this, but it continues. Today I called in to their XXXX phone number, and their rep was unprofessional and disinterested, denying that they send blank checks in the mail by Junk mail. I have the evidence in my hands, and their rep continued to deny that they ever did this. This is totally unacceptable and I want it to stop.
|
| 02/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Our auto loan with Pentagon Federal Credit Union was on XXXX for the entire 60 month loan. For the final payment ( month XXXX, XX/XX/2022 ) they did not deduct their payment via XXXX and without notifying anyone and the account went in arrears. PenFed did not reach out to inform the loan was late, and I was only alerted when my credit score reporting service notified me that my score had significantly dropped.
I contacted PenFed immediately, paid the unpaid month, and opened a series of credit disputes, including case # XXXX with PenFed. They have not corrected their error nor explained why a loan correctly setup on XXXX would go late. PenFed claims they can find no error on their part, this is inaccurate and fraudulent.
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone has been using my personal information to attempt to open credit card accounts and to take out personal loans. I was made aware through fraud alerts by XXXX XXXX and XXXX on XXXX that someone tried to open new credit cards in my name. After looking closely at my credit report, I saw an incorrect phone number and several hard inquiries that I did not authorize ( XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX : XXXX ; Penatgon Federal Credit Union : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX I believe whoever is trying to steal my identity XXXX have also submitted a Change of Address for me as tracking for a recently ordered package indicates that it is being forwarded somewhere instead of delivered to my home address.
|
| 08/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally. 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX *
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Pentagon federal credit union has violated my rights which I will provide later on in my complaint. Pentagon federal credit union does not care about its consumers which the representative stated over the phone even after I said this was an error. 15 USC 1666b Mentions a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures which was not followed by pentagon federal credit union at all. 15 USC 1681 section A 602 mentions that I have the right to privacy and 15 USC 1681 section 604 A section 2 which also mentions a consumer reporting agency can not furnish an account without my written instructions.
|
| 05/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Older American |
|
PENFED CREDIT UNION XXXX APLICATION # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern : After reviewing closely my credit and my income I found no reason to be denied for this loan I have excellent credit history and have never pay anything late, my house, my car payoff is pay off and I was denied.
The only conclusion is that you are discrimination against me and my age.
I WILL TAKE THIS TO THE FULL EXTEND It is impossible given my credit history to be denied and your reasoning of RATIO OF BALANCE AND OTHERS JUST NOT MAKE SENSE I WILL PLACE A COMPLAIN TO all authority that deal with your behavior.
Consumer Financial Protection Bureau, XXXX XXXX XXXX, Federal Trade Commission, State Attorneys
|
| 11/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
My issue is with the " Origination Charges '' simply stated I was charged a fee of {$3300.00} but my origination charges should have been {$440.00} ( A difference of {$2900.00} ) Its been a month now and below email is the last correspondence received from Penfed. I received a partial refund but still owed {$350.00} On Fri, XX/XX/2020, XXXX XXXX XXXX, XXXX XXXX wrote : Mr. XXXX, Ive done the research this morning and I can see that you are in fact missing funds. Based on the amount that was approved for the concession of {$2900.00} and the amount that was deposited into your PenFed share account of {$2500.00}, we still owe you {$350.00}.
I have emailed XXXX my findings and will reach out to you once I hear back from
|
| 07/25/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
I have been a Penfed Credit Union member over 8 years. I applied for $ XXXX signature loan, was denied, and the reason was too high loan balance? No explanation was given. The only account I have with Penfed C.U. is a $ XXXX XXXX, with a balance the was was $ XXXX, but has been paid down to {$6700.00}. My wife is a retired XXXX with a XXXX month pension and I am semi-retired with {$1300.00} monthly Social Security and I work part-time as a XXXX with {$3500.00} monthly additional income. Our mortgage payment is XXXX monthly, plus some smaller monthly payments.The Penfed phone employee did not listen to me and my reason for the installment loan request. I personally felt age discrimination. Please follow-up with Penfed.
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
on XX/XX/XXXX i requested I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
on XX/XX/XXXX i requested I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
|
| 03/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
On XXXX, I have received denial letter dated XXXX from PenFed Credit Union for personal loan application number XXXX. I have NOT applied for personal loan with PenFed Credit Union. The letter had credit score listed, which means they pulled my credit report without my consent and it most likely affected it. Furthermore, I do have credit freeze alert on with all three reporting agencies, so no one should be able to pull my credit without calling me first. I called PenFed Credit Union on XXXX and after being on hold for 21 minutes, I got through to their rep, explained to her why I was calling and she hung up right away. It appears to be legitimate financial institution, however this experience seems shady and illegal.
|
| 02/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
XXXX XXXX, 2020. I tried accessing my credit card year-end summary. It was not available online. When I asked where to find it, I was given a random URL ( https : //www.penfed.org/forms/credit-card-annual-summary-request ) to go to to request it. By random, I mean it isn't accessible from any links on the website. You have to know where it is. I also tried the search function with " credit card year end summary '' and then just plain " year end summary and it didn't show up. Once on the page, I found out it isn't just a page to get the summary, but to ENROLL in a REQUEST to get one AND the request has to be made by XXXX XXXX of the prior year. When I asked about this I was told ( paraphrased ) " nothing we can do ''.
|
| 06/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Pentagon Federal Credit Union refuses to provide certain services to consumers who do not effectively communicate via telephone. I contacted Pentagon Federal via chat with a service request and PenFed representatives XXXX XXXX informed me that there is a security reason that Pentagon Federal is not able to provide reasonable accommodations to consumers who do not communicate via telephone but failed to provide any details on what the security reasons are and why it is a burden for PenFed to provide reasonable accommodations to a class of consumers with disabilities and to ensure secure access to all services provided to the public to all customers, nit just the customers who are effective telephone communicators.
|
| 01/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XXXX XXXX, I paid my credit card balance of {$880.00}. On XXXX I paid {$700.00}. On XXXX XXXX, I paid {$200.00}. The limit on the card is {$1000.00}. The total amount of charges after the XXXX is {$440.00}. When the {$200.00} is applied, the total comes to XXXX. My account stands around {$700.00} owed and XXXX can not explain the mathematical variance. On XX/XX/2022, I called and voiced my concerns and the service rep calculated a {$600.00} variance. A supervisor was requested and they both agreed that somehow ( explained by the holiday ) the payments hadn't been processed yet but I would see the balance drop after the holidays. They said if not, call back. I called back and they completely changed narratives.
|
| 07/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Penfed has inaccurately reported information to the credit bureaus. I have disputed the information reported numerous times and have also spoke with a supervisor concerning the documents I submitted to them not being returned with a contact person, name, contact info etc. This issue remains ; I have never paid 30 days past due. I make payment through the Penfed app and payment the amount the app reads due. Penfed is reporting that I missed a payment when I in fact did not and is refusing to correct the inaccuracies. Penfed also will not take accountability for their App showing amounts due that may differ from their accounting. My credit should not suffer for company mishaps, whether human error or computerized.
|
| 08/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
PenFed used to be a great company but they have become very shady lately. I applied for the XXXX XXXX and was approved. The card advertises that it will pay for $XXXX of incidentals for domestic airline purchases. I made two purchases with XXXX that should have qualified for this credit. The credit never posted. I called in today, XX/XX/19 and it was clear that the customer service rep was completely clueless about the benefit and that PenFed had no intention of applying this credit - seems like false advertising to me. She sent me to the rewards department who couldn't help me and tried to send me back to customer service. It is clear that this advertised benefit is not real and PenFed is deceiving customers.
|
| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to Pen Fed Credit Union.
Pen Fed Credit Union accepted my credit application and personal information but in turn sent me an a letter denying me access to my personal credit on the basis of an inaccurate consumer report from XXXX.
This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason.
I extended my credit card ( or social security card ) in good faith to Pen Fed Credit Union and they denied me access to my federally governed right to credit as the consumer in this transaction.
|
| 11/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
15 U.S.C 1681 section602 A. It states I have tyhe rights to privacy and Accuracy. 15 U.S.C 1681 section 604 A section2 : it also states a consumer can not furnish account without my premission in written instructions. My rights have been violated! 15 U.S.C. 1692C States that without my prior approval of the consumer given directly to the Debt collector. a Debt collector can not communicate with in connection with this collection of any debt. This is not my account, I completely paid my accounts off and I never gave my written permission to furnish this account.
XXXX ) Pentagon Federal CR UN : account # XXXX Delete this!
XXXX ) XXXX XXXX XXXX account # XXXXXXXX XXXX I have never been late on this account!
|
| 10/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Initiated a credit card application in late XXXX with Pentagon Federal Credit Union for a Platinum Rewards Visa Signature Card. While they reviewed my application, Penfed made two hard inquiries on my credit. After a week, I called Penfed on XXXX XXXX to inquire into the status of my application. When I was told that there was a hold on my application due to my status as a graduate student, I was told that my application would be reviewed by higher. Having already observed that Penfed made two hard inquiries, I explicitly acquiesced as long as they did not make a third hard inquiry.
Despite my explicit guidance, I found that my credit had taken a third hit. Penfed has made no attempt to rectify their error.
|
| 02/01/2017 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
I have an account with Penfed and they recently cancelled my credit cards without reason and without warning. The excuse customer service gave me is that they " could n't verify my income ''. I have submitted my XXXX and paystubs TWICE and they did n't say anything was wrong with them. For them to close my accounts AFTER giving me the cards is beyond unprofessional. If I was n't credit worthy to them, they should not have given me the cards in the first place. Even worse, they closed them just before the statement is sent to the credit bureaus so now it shows me as having a credit limit of {$0.00} with a balance of $ XXXX+ which has SIGNIFICANTLY lowered my credit score. This whole situation is beyond unfair.
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Notice of FCRA Violation by Penfed Credit Union I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that you have committed. The FCRA, as outlined in 15 U.S. Code 1681a 2 ( A ) ( i ), clearly states that transactions and experiences such as late payments and utilization are not included on consumer reports.
However, I have recently reviewed my consumer reports and discovered that you have reported late payments and utilization on my credit reports, which is a clear violation of the FCRA. This type of information is prohibited from being reported on a consumer 's credit report, and its inclusion may result in negative consequences for the consumer 's credit standing.
|
| 12/30/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 03/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I have attempted repeated times to request that this creditor remove me from their account files as they have accounts that were opened in my name due to iden
tity theft and without my knowledge or authorization. I have made every effort to get their assistance and they have refused. These accounts were opened while I was in college. I had no employment and did not live in the city that the accounts were listed as. I never resided at such address. I have provided a copy of the FTC Identity Theft Report to the creditor and the credit reporting agencies. While FCRA Section 605B requires them to remove the account records or block their reporting, they have not done so and are in violation of federal law.
|
| 10/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 11/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On or about XX/XX/2021, I was seeking refi rates on my mortgage and truck. I filled out a refi application with Penfed to find out the rate. I also opened a savings account with {$5.00}. I decided to refi with my credit union in XXXX, FL XXXX XXXX XXXX XXXX who I have done business since the XXXX. Penfed created a fraudulent loan and fake liability in my name, which they have no business with. They are harassing me and have falsely put themselves on my insurance and have had numerous credits inquires made in malice.
For some reason they believe they have a loan, I told them their rate wasn't lower and went with the best lowest interest rate. What they have done is beyond the threshold of criminal.
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
When I pulled my XXXX credit report on XX/XX/2022, I noticed 3 sets of hard inquiries that were reporting duplicate inquiries totaling 6 hard inquiries. I contacted the Bureau and the organizations about the inquiries during the past 2 weeks. The bureau demonstrated an unwillingness to assist. I also contacted the companies and they were not able to direct me to the team that can assist with this issue. I provided information that supported that I have been the victim of ID theft and that there were several attempts to access my credit in the past year plus. The organizations in question are Pentagon Federal Credit Union and XXXX XXXX XXXX XXXX which pulled my credit 4 times in the past 18 months.
|
| 07/09/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Since the coronavirus lock-down ( XX/XX/2020 in California ), I have written 3 secured email messages from the Penfed website over the last 4 months. All received an auto-reply stating that they received the message and would reply ... however, they never replied. I tried calling the company several times ; every time I was placed on hold for over 15 minutes, with instructions to contact them via secure message,,, which, of course, never worked, since I never received a reply. Today, XX/XX/2020, I stayed on hold for around 30 minutes,,, I finally reached someone, who then placed me on hold again, presumably to wait for another agent, but that agent never arrived, and eventually I was disconnected.
|
| 08/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I paid for a chandelier from XXXX XXXX ( XXXX Or. ) with my Pen Fed Visa card that was charged {$650.00}. I have not picked up the light and, now, must sell the condo it was meant for. The merchant refuses to give a refund even though he still has the light. Claims it was a special order, although he has similar ones in his shop. I disputed this with Pen Fed on XX/XX/XXXX. The closing date of the card statement was XX/XX/XXXX so the dispute was made less than 60 days from that date as they require. A supervisor, XXXX, reluctantly agreed to set up a case file for the dispute and said someone would contact me in 7-10 days. I called back XX/XX/XXXX and was told no case file was set up.
|
| 07/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
When I make an online payment to my credit card, there is absolutely no indiction anywhere in my account that there is a pending payment, so I have made two payments a number of times, indavertantly. I have complained to the company and they have not fixed the issue. They have re-vamped their website, and if I apply for any type of loan, the pending application is immediatley shown at the top of the screen. So its not that they can not show a pending payment, they are choosing not to show pending payments. All my other credit accounts clearly show " pending payments ''. What PEN FED is doing is misleading consumers about their payments so they make double payments, which are then non refundable.
|
| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
THIS IS NOT MINE AND I DID NOT OPEN. THEY HAVE STILL NOT FURNISHED ME WITH PROOF OF IT BELONGING TO ME AND IT WAS THE SAME MONTH 2 OTHER CARDS WERE OPENED. I WAS A VICTUM OF FRAIID AND HAVE HAD AN EXTENDED FRAUD ALERT ON MY FILE FOR YEARS AND THEY WOULD HAVE HAD TO GET WRITTEN APPROVAL FROM ME TO EVEN OPEN AND THEYARE NOT RESPONSIVE AND WONT DELETE IT WHEN IT IS NOT MINE.
Account NamePENTAGON FEDERAL CR UN Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. {$11000.00} written off.
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$5000.00} Highest Balance {$11000.00} TermsNA
|
| 08/10/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I have had a HELOC loan with PenFed Credit for many years. It is in good standing with no late payments and frequent payoffs. I've started a construction process and am attempting to transfer money from this account but PenFed has frozen my account with no explanation. My account is active, in good standing with a perfect payment history. My credit score according to the PenFed site is XXXX.
I have counted on this HELOC line of credit for years for various home improvement projects. It seems really unfair that PenFed has chosen to freeze this line of credit with no warning and no explanation. It is particularly unfair that PenFed has chosen to do this in the middle of a construction project.
|
| 11/29/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
This involves a car loan ( XXXX ). The first issue I have is that the credit union was misleading in omitting to inform me of fees associated with the payment of the loan. In this case, now that I paid off the loan is when I learned there is " {$35.00} '' fee for the credit union recording a lien with WI 's DMV.
Second, I have been in contact with the credit union since XXXX.17 about my issues and have requested several times proof that the credit union paid this fee and that the matter be escalated to someone with authority to dig deeper into my request. So far, nothing. They claim the paid it, but that there is no invoice/documentation for it. What if the fee was actually {$5.00}? {$0.00}?
|
| 07/20/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
If you look at my payments and their effects on my XXXX XXXX Balance, you will notice they have been going down. For instance, for statement closing date XX/XX/XXXX, it was {$1900.00}. For the next statement, XX/XX/XXXX, it went down to {$1700.00}. The next statement, XX/XX/XXXX, it was {$1500.00}.
However, per the XX/XX/XXXX statement, despite there being no cash advances on my part, or even purchases, PenFed XXXX up my XXXX XXXX balance to {$2700.00} - an increase to {$1100.00} or 74 % increase.
I called on XX/XX/XXXX and was on hold for a little over 12 minutes. I then e-mailed PenFed. I got a response that they would get back to me in 2 to 3 business days, but PenFed has not contacted me.
|
| 02/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX and XX/XX/XXXX, I sent Penfed Credit Union a letter regarding two unauthorized inquiries that they placed on my credit file AFTER is was closed.
XX/XX/XXXX -- PENFED closed the account due to delinquencies XX/XX/XXXX, and XX/XX/XXXX PENFED inserted inquiries onto my credit file.
On XX/XX/XXXX and XX/XX/XXXX I received a letter from Penfed stating that they had already investigated my dispute and that they were not going to delete the inquiries because they had permissible business reasons.
PENFED DID NOT HAVE ANY PERMISSABLE PURPOSE.
I would like to know why they didn't do an ACCOUNT REVIEW ( soft Pull ) and why they put 2 inquiries on my credit file after it was closed.
|
| 05/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I was incarcerated from XX/XX/XXXX until XX/XX/XXXX, upon my release it was discovered that my identity had been stolen during my incarceration. This person had access to all of my personal information including bank accounts and credit cards. I notified the bank of the situation and they did an investigation, I was later notified that the monies transferred from my account would not be reimbursed because they do not believe there was a fraud involved. I have legal documents to prove that the transactions could not have been made by me as I was incarcerated, the bank did not allow me to prove this to them by asking for such documents. I am currently out {$1300.00} from my checking account.
|
| 09/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have been filing complaints left and right with Pentagon Federal Credit Union about an unauthorized inquiry on my report. They stated they made an inquiry back in XX/XX/XXXX. And have not made any other inquiries since. Well i mentioned to them about an inquiry that was done on XX/XX/XXXX and they are claiming it's bogus and in other words I'm making it up. I sent them proof before and they still are requesting more proof. ITS A STALL TACTIC!!! ITS FRAUD!!! But now worries I Have Spoken With An Attorney and i will be bringing a lawsuit against Pentagon Federal. When inquires are made on your report that you didn't authorize it drops your credit score. But of course you knew that though.
|
| 03/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
|
| 08/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
Ordered merchandise from XXXX XXXX XXXX ( Merchant ) on XX/XX/23 Order XXXX XXXX for {$200.00} & on XX/XX/23 Order XXXX XXXX for {$890.00}. Either of the 2 items were received. I reported a non delivery complaint of items was reported to Merchant & PenFed ( Credit card company ) on XX/XX/23. The Merchant denied to refund for either item reported undelivered without any explanation. PenFed did offer a permanent credit of {$200.00} for 1 of the items on XX/XX/23. On XX/XX/23 Pen Fed claims the charge of {$890.00} is valid and declined to issue a refund of the undelivered merchandise without explanation. I am requesting the refund of {$890.00} from Pen Fed for merchandise I did not receive.
|
| 10/26/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
On XXXX XX/XX/2022, we requested that my Credit Union, Pentagon Federal Credit Union ( PenFed ) transfer {$700.00} to XXXX XXXX XXXX who resides in XXXX, XXXX XXXX. XXXX XXXX never received the {$700.00}. We have been working with PenFed for almost XXXX months now to reverse the international wire transfer. To date no resolution to the matter has been accomplished. Today, I was told that if the foreign bank does not reply to PENFED 's request that we have lost the {$700.00}. I'm not too sure where PenFed sent the monies but what we know for certain is that XXXX XXXX did not receive the {$700.00}. We have been members of PenFed for over 36 years and this is a terrible way to treat anyone.
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| 07/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I have applied for a PenFed mortgage the beginning of XXXX 2015. I have sent all information requested, XXXX times. Had a settlement date and time ( was about there ) my attorney called saying it was cancelled, they did not approve me. Found out they wanted same info again that I sent. I have been patient, but now I was threatened they would terminate my loan application if I do not respond within the next business day with info I gave them and my CPA, he said the papers were sent before. Going on 6 months, they will not talk by phone, only e-mail. Claiming they lost my PERSONAL tax papers!! I feel they are drawing this process out to get me to stop the process and give me a hefty bill.
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| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Pentagon Fcu-alexand Inquiry from XX/XX/2020 This inquiry was agreed to be cancelled. I had spoken to them on XX/XX/2020. They agreed due to there customer service team giving misleading information and having me wait on hold for for more than 10 hours after providing everything they asked me for. We both mutually agreed to cancel the request and I specifically asked them to than remove the late fee which they agreed due to the inconvenience. Which they agreed. So I just want my credit report corrected through XXXX, XXXX, XXXX and all other credit scoring agency 's. The basic gist was they can not process my application and don't believe I am me which Is we agreed to everything above.
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| 05/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
Servicemember |
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Hello. Please assist me in resolving an operational defect by Pentagon Federal Credit Union. I have a single auto loan product with PFCU. I initiated a single loan application in XXXX 2014. However, PFCU initiated XXXX separate hard credit inquiries on XXXX separate dates ( XXXX XXXX and XXXX XXXX ). I assert that there is no valid business need for PFCU to initiate separate hard inquiries within XXXX hours to decision my credit worthiness. This PFCU defect is more likely than not to adversely affect how the NCRAs score me. This is a defect under FCRA. Please take affirmative steps to assist in remediation of this defect and communicate your response.
Sincerely, XXXX XXXX XXXX : XXXX
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| 06/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
Servicemember |
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Dear XXXX XXXX In this notice, I am responding to your letter dated XXXX XXXX XXXX, for an Auto Loan Application Letter # XXXX. I find it difficult to understand your decision. I would like to request an investigation of all accounts on file related to credit transactions, payment derivatives, and debt securities, on behalf of XXXX XXXX ( Including debts and credits with checking and savings account as well. ) Please find the notice attachments below.
Please note : The letter I received from your company PENFED CREDIT UNION dated XXXX XXXX XXXX was not signed. Please send a signed letter with an actual person 's name to for validity. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/09/2021 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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I GOT LETTERS STATING THAT BANK ACCOUNT WAS OPENED IN MY NAME AND ASKED ME TO SIGN AND MAIL BACK TO THEM. I HAVE NO BUSINESS RELATIONSHIP WITH SUCH ENTITY, NOR DID I DISCLOSE MY PERSONAL INFO TO THEM.
I HAVE ATTEMPTED TO CONTACT FEW TIMES BUT THE HOLD TIMES EXENDED BEYOND XXXX MINUTES ON THEIR HOLD LINES.
TODAY ( XX/XX/2021 ), I WAS ABLE TO SPEAK TO THEIR REPRESENTATIVES THAT CONFIRMED THE FOLLOWING : ACCOUNT OPENED IN MY NAME ON XX/XX/2021 WITHOUT MY PERMISSSION.
IT SYSTEM WIDE ISSUE THAT BANK IS EXPERIENCING. HOWEVER, BANKER WAS NOT ABLE TO GET A HOLD OF THEIR INTERNAL FRAUD DEPARTMENT OR SHARE DETAILS OF THE BREACH.
ATTACHED IS A LETTER ACKNOWLEDGING SUCH BREACH OR FRAUD.
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| 04/16/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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PenFed Credit Union debited my checking account for {$500.00} on XX/XX/19 and paid my consolidation loan with them and applied to one payment of {$380.00} and paid late fees of {$120.00}. When I called on XX/XX/19 and asked them to refund that money back to the checking account and I would be happy to make arrangements for my hardship for medical family reasons.
The company refused to refund my money and advised it was part of the loan Note that they could draft another " share '' account when the loan was past due.
I told them I needed the money returned and I would be happy to make arrangements and apply for the hardship program and pay back the debt, but they still refused.
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| 11/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Older American, Servicemember |
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We applied for and we approved for a personal loan on XX/XX/XXXX online. We were told a check would be mailed to us and would arrive between XXXX. By XX/XX/XXXX it still had not arrived, so we called to check on it. We were informed that there was a problem on there end and we would receive the funds via electronic transfer in 3-5 days. Today is XX/XX/XXXX and we still have not received any funds. We have made multiple phone calls, have been promised call backs, emails and resolution with nothing happening. This morning we have been " disconnected '' numerous times.
Additionally, the payments are due to begin being made on XX/XX/XXXX - but we have not even received the money!
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| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you.
Hard Inquiry Date XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Pentagon FCU XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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| 08/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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My PenFed credit card was hacked and fraud took place. I followed all of penfed directions, getting affidavit notarized, etc. After I had submitted the forms I was then called by a pen fed bill collector about the account being in arrears and explained the situation. After the call, PenFed CU took the money out of my savings account and applied it to the credit card and cut me off of my online accounts, I have 2 mortgages with them. I have called customer service several times to get the problem resolved and still no luck. This has almost been a year. XXXX of last year is when the incident occurred. I advised them I was going to contact you, apparently they do not care.
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| 06/21/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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I access my account online and I noticed in my statement a charge of {$4.00} for cash advances. I call the institution to ask why they are charging me {$4.00} charge. They said the charge was for balance transfer from other institution card. I claimed that according to the terms and conditions of the product, there is no transfer fee. In addition, the promotion clearly established there is no charge for balance transfer. Therefore, i understand the charge does not apply. Moreover, I apply for the credit card because there were not supposed to be any charge. The institution insisted the charge apply, because the card has a promo of 4.99 % interest for the first 12 month.
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| 08/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Pentagon Federal responded saying that they received notice of bankruptcy filing for my Auto loan on XX/XX/2021. That account was not included and I have attached the discharge documentation. While PenFed was paid off prior the bankruptcy was filed XX/XX/2021. PenFed was not included. The vehicle was sold on XX/XX/2021. Again before the bankruptcy and the check was mailed. They are reporting the vehicle loan as included in bankruptcy and their system flagged my membership to not let me open accounts even though none of the PenFed accounts were included. Therefore they need to update their system to stop inaccurately flagging my accounts when PenFed wasnt even included.
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| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I paid off my vehicle on XX/XX/XXXX. In the past month I have been trying to get the tittle and when I call them. My most recent call was on XX/XX/XXXX. They indicated they sent all the required paperwork to release the electronic tittle with the DMV of virginia on XX/XX/XXXX. VA is responsible for mailing the tittle. I proceed to call the DMV in VA and they indicate that the bank never released the electronic tittle and that they might have done it incorrectly. I need them to resubmit the tittle hold release. They keep offering me a satisfaction of lien letter which is useless for me to get the tittle. They keep sending me in a wild hunt and i just need my tittle.
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| 03/22/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
Older American |
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I was sent to collections and threatened with foreclosure when I had been working with the Superv, Debt Collection. I sublitted XXXX letters plus XXXX hardship paks. A few days ago I rec 'd a letter from anattorney debt collector. I had been working and talking w/soup. my home is for sale and the buyer dropped out, I notified PenFed of this and then XXXX letters came to begin foreclosure if I didn'e pay the XXXX. I had my water shut off and had to go to a food bank, I am divorced after 47 years and no alimony. I have been begging them to help me since 2014. No ONE told me or gave me a chance BEFORE into collections. I had just spoken to PenFed as I had for 2 years.
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| 05/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I am a current mortgage holder with PedFed Credit Union. I am refinancing my loan with XXXX XXXX XXXX. I have tried repeatedly to contact PenFed to stop my automatic payments and to make sure they have provided XXXX with the payoff documentation to allow my refinance to close. Nobody is contacting me. I finally reached a person on the phone and she said that my emails from my home email address were not going through to her computer. Without an email from the address of record, she said they could not process my request. But, she did receive an email from my work email no problem. I'm in a Catch-22 and can't close on my new mortgage without their cooperation.
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| 07/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I disputed a transaction at XXXX XXXX XXXX XXXX dated XX/XX/XXXX in the amount of {$1200.00}. After XXXXXXXX XXXX recommended a valve cover replacement I took the vehicle in to XXXX XXXX which determined that the valve cover had a hole which was covered with electrical tape.
The Check Engine Light has been on ever since XXXX XXXX recommended the valve cover replacement. Because this repair resulted in damage to my vehicle and because I was not presented with a written estimate prior to it being made, California law allows for a full refund of this charge.
I submitted all the evidence to XXXX and they denied my dispute without giving a legitimate reason.
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| 10/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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A few years back, my son was diagnosed with XXXX and as a direct result, I encountered an unexpected financial hardship.
I reached out to PenFed, and PenFed offered to restructure my debt accounts. PenFed offered to reduce my monthly loan payment to {$410.00} and extend the loan maturity date to XX/XX/XXXX.
I received the attached pre-filled form from PenFed and returned via email and XXXX. Fast forward to today, I recently learned that PenFed did not adjust the loan maturity date as agreed and I have a lump sum payment due on XX/XX/XXXX in the amount of XXXX.
I have contacted PenFed on several occasions and provided relevant documentation to no avail.
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| 07/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX
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| 11/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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There's a few issues I'm experiencing with my loan. This company has prevented me to make payments online which has resulted in late fees, credit card processing fees, and terrible customer service. Every time I speak with an agent from your collections department they're extremely rude. My car was repossessed earlier this year, and after paying all the fees it took over 7 days for me to receive my vehicle back, and I was never compensated for it. I have several late charge payments from {$5.00} - {$25.00} that could've been refunded due to my inconvenience. Also, I sent a request to be added on the Do not call list on XX/XX/2022 and still receive calls.
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| 09/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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I was discriminated by PenFed for a line of credit. I exercised my rights in good faith and did not receive an adverse action letter. Credit is my right and a credit score is not a requirement for credit to be extended. I have exercised my rights further and have gotten inaccurate information off of my credit report and still the credit reporting agencies are causing me great harm. Penfed and I entered into a consumer credit transaction and I received no benefit from this transaction. The inquiry is proof of this. I received no documentary evidence of who benefited from this transaction and I would like to know who did because it wasn't me, the consumer.
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| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report.I found that under section605b of the FCRA the creditors are required by law to REMOVE any account which is found to be opened dueto identity theft.
I urgently need assistance in determining who attempted to steal my identity and personal information to register for services under their own name. I intended to file a lawsuit against whomever this individual is.
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case.
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| 01/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
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| 10/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PENTAGON FCU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
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| 04/28/2022 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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Hello I had a fraud committed on my bank account at Pentagon Federal CreditUnion on XX/XX/2022. As of today, XX/XX/XXXX, no one has contacted us or informed us how they gave away our money so quickly, but now we have no access to the money, it is all we have, and we have bills to pay. We keep getting therunaround. I noticed a wire transfer for {$4100.00} and a {$25.00} wire fee on my account on the XXXX of XXXX, which I did not do. I was told someone called and made the request on the phone. Since then, we have had nothing but roadblocks. They opened a new account hopefully for our funds to be put in, but we do not have access to that account either.
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| 01/22/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account information incorrect
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Web |
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PenFed mortgage is not reporting mortgage payments made to credit bureaus. It claims that they were in the process of converting to another platform and had technical issues. I have since been locked out of my online account access and have called several times to rectify. I am now in the process of a mortgage refinance and the payments made to Pended during their conversation period are not appearing on my credit reports. On my final and most recent call, I was told that the payments not appearing would be rectified. I have yet to see that effective on any of my credit reports. This has hindered my ability to seek credit and establish any new loans.
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| 04/19/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Can't close your account
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Web |
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Several years ago, my identity was stolen and used to open up a credit card account with PenFed Credit Union. At the time, I was contacted by PenFed and I told them not to open the account, but they opened it anyway and allowed the fraud perpetrator to transfer a credit debt. PenFed has acknowledged that it was at fault. My problem is that despite numerous efforts to get PenFed to close the account, and assertions from PenFed that the account has been closed, I continue to get statements from PenFed regarding this account that has no money in it and that I never wanted in the first place. Most recently, I received a statement on or about XX/XX/2021.
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| 04/11/2017 |
Yes |
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Web |
Older American |
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My credit card from Pentagon Federal Credit Union was hacked. On XX/XX/2017 at least XXXX fraudulent charges were made and a third attempted. When a vendor notified me of the attempted fraud I immediately cancelled the card and a new one has been issued. On the same day Penfed caught XXXX of the fraudulent charges, it let another XXXX, for XXXX that amount, go through as a legitimate charge and billed me for a {$490.00} purchase I never made. ( See accompanying letter and statement. ) They are grossly incompetent investigating fraud and their attempt to have me pay for such an error amounts, essentially, to a violation of the federal mail fraud act.
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| 07/06/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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Discovered on XX/XX/XXXX that someone ( probably a Pentagon Federal Credit Union member ) had " photoshopped '' a check I had sent in the mail to the IRS back in XX/XX/2022. They cashed a check for {$3000.00} on XX/XX/XXXX and placed in their account at PFCU. I went into the local office and they placed a hold on the money and initiated a fraud case against the perpertrator. On XX/XX/XXXX the perpetrator again " photoshopped '' the same account and stole {$4300.00} out of the same account. According to PFCU I can not talk to the Fraud department and after almost a month my money has not been returned to my account and the overdraft fees overturned.
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| 08/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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In XXXX we went to XXXX XXXX XXXX, we purchased a used 2012 XXXX XXXX XXXX. Our initial payment arraigments where changed three time, twice before we left and then again a couple weeks later. We have gap insurance added on and come to find out our car is only worth XXXX We owe way more than this car will ever be worth. We need out of this car payment We returned a month later to have them fix the broken interior light thats when we to sign new papers again, We brought the car in for servicing and told them that the seat belt in the rear did not work. They said it was cosmetic and would cost use XXXX We are now trying to get out of this car loan.
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| 12/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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I XXXX XXXX XXXX XXXX XXXX XXXX am of XXXX XXXX, XXXX hands, and XXXX mind. I XXXX XXXX XXXX XXXX XXXX XXXX am a Private XXXX National/State Citizen and Power of Attorney in Fact of the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX I am entitled to an Article XXXX XXXX, XXXX XXXX, and XXXX. I am Entitled to Full Faith and Credit on the State and Federal Levels, Officially. My Full Faith and Credit document ( XXXX ) are attached. I am entitled to Full settlement and closure in a XXXX of XXXX if necessary in this commercial matter. My security interest is Non-Transferable, retained, and claimed. See attached XXXX ( XXXX ) and document ( XXXX ).
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| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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An Unauthorized Inquiry was reported to my Consumer Reports on XX/XX/2023.
A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below.
*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information.
This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter.
Please Delete/ Remove this inquiry from my consumer reports as soon as possible.
Thank You In Advance, XXXX XXXX
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| 07/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Account reporting, for credit and FICO Score purposes, issues with Pentagon Federal Credit Union. PENFED is currently reporting my credit score in the low 400 's, without just cause. Each of my FICO scores, as reported by XXXX XXXX, XXXX ; XXXX, XXXX, and XXXX XXXX, are as follows. While I disagree with my XXXX and XXXX reports and have repeatedly reported they are carrying erroneous information on my reports, the FICO score reported is considerably higher than the PENFED reporting. PENFED indicates they receive data from the referenced credit bureaus. There is no reason for this type of error, specifically in our given national emergency,
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| 12/08/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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Web |
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Ancient Mortgage Satisfaction of Mortgage was never filed with the County of XXXX, NY from XXXX XXXX XXXX XXXX. Pentagon Federal CU is the successor of XXXX. Due to being unable to satisfy this request prior to house sale, we were required to put $ XXXX in ESCROW until we can get the satisfaction of mortgage filed and a copy to the title insurance company.
Pentagon Federal CU consistently refers to the mortgage they held for us for $ XXXX. This mortgage has been released and the satisfaction of mortgage has been filed.
XXXX XXXX XXXX XXXX XXXX mortgage filed LIBER 6834 Page 66 Pentagon Federal CU XXXX mortgage filed LIBER 11671 page 0916
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| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Pentagon federal credit union ( PENFED ) Fraudulently processed a personal loan application that was never applied for by me. I called them in regards to the rejection letter they sent me. The rejection letter has information that is wrong and is correlated to a loan that was never actually applied for, by me. They could not verify who applied for the loan, the source that the loan application was actually originated from, and said that they had deleted the information pertaining to my fraudulently opened loan request ... .thus hiding their wrong doing. The letter was issued at the end of XXXX and received the end of the first week of XXXX.
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| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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On XX/XX/XXXX, I accessed my XXXX credit report. In the section for Inquiries '' there is an inquiry placed by Pentagon Federal Credit Union dated XX/XX/XXXX and annotated as XXXX -- an inquiry placed for a pre-authorized offer of credit.
First of all, Pentagon Federal Credit Union has never sent me notice of any pre-approved offers of credit.
Secondly, I am not a member of Pentagon Federal Credit Union. I cancelled my PenFed membership approximately two years ago and closed all of my accounts.
Pentagon Federal Credit Union had no permissible purpose whatsoever under the Fair Credit Reporting Act to access my credit bureau reports.
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| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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The below accounts I did not authorized to be open, so ; therefore, should not be reporting to none of my credit reports. The accounts below has reported several errors. I have disputed all of the items below and as yet nothing has been done. I have filed an extend fraud alert due to my identity being stolen. According to the 15 U.S.C. 1681 law states that any inaccurate information must be removed immediately from the credit report. Due to the inaccurate, incorrect information on my report has caused defamation of my character.
XXXX XXXX XXXX PENTAGON FEDERAL CR UN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I observed charges of {$1.00} per transaction on my bank account, notably on XX/XX/21 and XXXX, along with other occurrences throughout this month. These deductions, totaling {$1.00} for each transaction, have raised concerns about the consistency and frequency of these fees. I would appreciate a detailed breakdown of these charges, seeking clarification on the nature of transactions triggering this fee. Understanding the specifics will aid in managing my finances more effectively and addressing any potential discrepancies. Your prompt attention to this matter is crucial for resolving and preventing further complications with my account.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was a victim of fraud and i have the proper documents to proof with government agency while i was incarcerated have letter from the DOJ stating when i was incarcerated and my release this was done some how using my name i have done police report to verify everything and they agree this was done while i was XXXX have contacted and sent proper documents to Penfed Credit Union they have not responded it has been over 90 days with no response they refuse to investigate and the Credit Bureau keep saying it verifies without proper investigation. Here is the documents that have been sent i have attached them please investigate this properly.
|
| 05/31/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Pentagon Federal Credit Union. The phone system was recently redone and it the only way to get a person now is to use option 5 that says " to become a new member press 5 ''.
I talked to XXXX on XXXX and asked for a supervisor and got XXXX who said the voice prompt # 5 says to speak to someone press 5 and hung up. The prompt is for new members, I called back to verify this. I was on the call from XXXX until XXXX and didn't want to spend another hour and five minutes with them. Can someone bring this to there attention. They say there calls are recorded so the call should be on file.
The number that I am calling is the main number. XXXX
|
| 12/31/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I applied for a mortgage VA refinance on XXXX XX/XX/2020 with Pentagon Federal Credit Union. I've been a customer for 40 years and have done several refinances. With this last refi, I have completed all paperwork and have been waiting for over a month trying to get a status on when my settlement will be ... should have been XXXX at the latest. I have not had any response from my numerous phone messages nor emails I have sent to my Loan Officer, XXXX XXXX, and my loan processor, XXXX XXXX. I have had NO RESPONSE from anyone. I've tried to call several times and get disconnected after a long process just to get to the correct department.
|
| 11/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter from a debt collector, XXXX XXXX XXXX, on XX/XX/XXXX, stating I owe money on an account I do not recognize and threatening to take me to court. The original creditor on the debt collection notice is listed as XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX at least twice by phone and both times my contact information was taken and I was told I'd be contacted by their fraud department but I have not received any call back to resolve this matter.
I have responded to XXXX XXXX XXXX via fax on XX/XX/XXXX informing them the account is not mine and is a result of identity fraud but have not received a response from them.
|
| 07/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Without and prior notice my mortgage payment went from {$770.00} inXX/XX/2018 to {$780.00} in XX/XX/2018. I called Pen Fed Mortgage Company this morning and was told that the payment had been increased by a decision made by the company in XX/XX/2018. I was told that the escrow payments were increased and that the new amount was due to tax and insurance increases. I asked the lady whether the company bothered to send a notice of increase and she said that there was no notice sent on record. I am totally bothered by the fact that this company can just raise the amount collected from direct deposit without notifying me of any increases.
|
| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Two years ago when my husband was alive one of his credit cards was bought out by PenFed at that time he had a XXXX balance, they sent him a credit of XXXX dollars for being a new customer and then started charging XXXX per month for a statement fee he tried cancelling many times. He ended up paying them.
Now more than a year after his death Pen Fed sent another credit of a XXXX and a statement fee of XXXX dollars at this point he owes them XXXX dollars Is there any way I can get this account closed and stop having to pay statement fees on credits they keep adding I have called serval times and sent them a copy of his death cert.
|
| 04/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have a bank account with PenFed and I received a call about charges that I didn't authorize. I told them that some of the charges I did not OK, They canceled my card and sent me out a new one. There was around {XXXX} charges that I told them they where not authorized by me. I then received a letter from them telling me that they will not give me back the money because they spoke to the company that made the charges and they said that I did ok them so they will not be able to refund the charges. I don't know who or were I can contact the company. I can only see a couple of letters for their name and no phone number that I can call.
|
| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was looking for auto loan refinance options and applied to some companies like XXXX XXXX XXXX XXXX, etc. These are companies that act as a link between consumer and Lender or Credit unions who offer loan amount.
After few days of applying, I see there are hard inquiries on my Credit Report from these lenders on XXXX XX/XX/2023 : XXXX. ) Pentagon FCU XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX These hard inquiries were done on my credit WITHOUT MY CONSENT.
When I contacted one of them, they replied that I need to register a complaint with Federal Trade Commission website, ftc.gov. They will evaluate me after I do this.
|
| 01/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This PENTAGON FCU XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided.
PENTAGON FCU XXXX
|
| 02/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
|
Organization - PenFed Federal Credit Union Issue - Have attempted over 6 times now to apply for a credit product with the organization only to be told that there is " a system error '' which the organization has not been able to fix and provide me with some form of resolution for over 6 weeks now.
Desired Resolution - I would like whomever is responsible for assisting me with completing my credit card application to complete the process and not transfer me several time on a 1 hour call only to disconnect when I request an update. If not, please advise on how I may go about closing my account and removing my funds expeditiously.
|
| 05/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
NEW COMPLAINT : Pentagon federal locked my account AGAIN. That is 9 times this year, and for ***REGULAR*** payments and expenses I make. This is beyond ridiculous. Every call to them takes an hour to fix this, and usually requires more than XXXX call to fix. This is inexcusable.
Pentagon Federal also was unable to fix the lock throughput the ENTIRE HOLIDAY WEEKEND which is also inexcusable. They seem to be fraudulently holding funds without reason and without the proper Personnel available to remedy the situation. These things violate the bare minimum expectations of a consumer towards their Bank and they need to be addressed.
|
| 01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020 and XXXX. XXXX, 2020, PENTAGON FCUXXXX add a hard inquiry on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 08/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
ON XX/XX/2018 I CALLED PENFED AT XXXX, AND SPOKE WITH A GIRL NAMED XXXX. I EXPLAINED THAT AFTER GOING OVER MY STATEMENT I HAD FOUND A CHARGE I DID NOT APPROVE ON XX/XX/18 FOR {$1000.00} DONE BY XXXX XXXX. SHE TOOK MY FRAUD COMPLAINT AND THEY SAID THEY WOULD SEND OUT A NEW CARD AND ID GET A REFUND. THEN ON XX/XX/18 I WAS SENT A LETTER WHICH I HAVE ATTATCHED CLAIMING THAT BECAUSE I DID NOT SEND IT IN WRITING IN THE FIRST 60 DAYS I WILL NOT GET THIS CHARGE REMOVED! I AM VERY UPSET! I AM A SENIOR CITIZEN AND DESERVE TO HAVE MY MONEY RETURNED TO ME AT ONCE! I DONT THINK ITS FAIR THAT I BE PENILIZED XXXX DOLLARS FOR SOMEONES MISTAKE!
|
| 04/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I've contacted Pen Fed via email for over a month now regarding a {$100.00} reward bonus listed on their website : https : //www.penfed.org/XXXX I met all of the relevant criteria for the {$100.00} bonus months ago and have not received it nor have I received a resolution or a satisfactory response from Pen Fed 's Customer Service . One response I did receive, the representative didn't even know what bonus I was referring to. When I sent the same link I pasted above to them I received no response. This is not a financial institution I would recommend others deal with. I wonder how many service members they are dishonest with?
|
| 12/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
My PENFED XXXX is paid in full each month. There is AUTOMATIC AUTO PAY that no one has seemed to be able to see or REMOVE that assumes a minimum payment will be paid WHEN IN FACT, the whole amount in full is paid. Based on this, the auto pay prevents me from paying my account off in full by the due date as it states, you have already made a payment. Therefore, I have had to pay my account in full the day before it is due. Thus, making the assumed interest assessed by the AUTO PAY incorrect. Furthermore, PENFED accounting, each month shows inconsistent calculations for the daily rate of XXXX for the loans that have been taken.
|
| 07/24/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My name is XXXX XXXX. Over three years or so I joined XXXX XXXX XXXX, in XXXX NC. Right a COVID-19 started, I was unable to attend because of fear of catching COVID-19. In that regard I called a cancelled my membership.
XXXX XXXX XXXX is still withdrawing money from my account till date. ( XXXX XXXX account ) It has been over a years I stop attending and they are still withdrawing funds from my account. I have asked them to stop and made several phone calls.
They are withdrawing money from ( XXXX XXXX ). XXXX XXXX is my brother and have written his bank and they have withdrawn over a XXXX dollars and still withdrawing.
|
| 11/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have applied to PenFed for a re-fi on my residential home on XXXX XXXX, 2020. Presently, I have received no confirmation regarding the status of my application. Closing had been scheduled but never approved. Despite many, many attempts to get a definitive answer on the status of my application, after almost 5 months, there has been no determination. My application is straight forward. The loan would replace an existing PenFed mortgage, the loan to value is excellent, about 40 percent, my income is more than enough and my credit rating is very good. When this application was made, I was told to expect a 60-90 day closing.
|
| 12/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY SOCIAL SECURITY AND ID TO OPEN THE FOLLOWING ACCOUNT IN MY NAME:Pentagon Federal Credit Union (Pentagon FCU) Account number XXXX, the amount is XXXX, Opened XXXX XXXX XXXX. I SENT THEM A COPY OF THE POLICE REPORT IN WHICH I HAVE ENCLOSED, ALSO FTC IDENTITY THEFT REPORT ( Thank you for reporting identity theft to the FTC.Your reference number is:XXXXIALSO SENT THEM AN NOTARIZED IDENTITY THEFT AFFIDAVIT.XXXX STARTED MY INVESTIGATION ALL OVER AGAIN, EVEN THOUGH THE 30 DAY TIME LIMIT WAS EXPIRED. SO THEY ARE MAKING ME WAIT ANOTHER 30 DAYS.
|
| 07/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Penfed closed my account and kept my funds without informing me.
I called and wasted many hours on the phone with them but they could not provide any information on when they closed the account and what they did with the money.
When they couldnt find any information, they simple lied to me saying that they " should have '' sent it to XXXX XXXX XXXX. I have been checking with the XXXX XXXX XXXX XXXX site for these funds and there is nothing there.
They also said that they " should have '' sent me a letter regarding this when they had no proof or documentation or even the date for when this imaginary letter was sent.
|
| 12/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
on XX/XX/20 There were fraudulent charges on my visa credit card.
I contacted fenfed customer service and they said they would start and investigation into the fraud, and that it would take approximately 10 days for the charges to come off my credit card.
After numerous calls with out any contact from Penfed. I was the only one contacting them, as of XX/XX/20. they sent me a response, saying that there were no fraudulent charges on my account the the case was closed.
this is {$1600.00} in fraudulent charges that I am not responsible for.
I have no other recourse at this point.
am looking for help in this matter
|
| 04/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
TO WHOM IT MAY CONCERN : I was required to pay a fee to open up a checking account in order for me to become a member. However, my access to the online portal has been blocked for some time now and just recently I received a letter that informed me that PenFed is no longer serving my account. Meanwhile, I have not received a refund for member service charges or any notification on why the checking account was closed. Furthermore, membership to PenFed documents does not show any claim that PenFed reserves the right to close memberships including checking accounts without notification or consent or withhold refunds.
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have made multiple attempts to rectify this issue directly with Pen Fed, and have received no satisfactory resolution. I kindly request the following actions to be taken, investigate the inaccurate charge-off listing, transactions and experiences on my consumer report, considering the violation of IRS income exclusion regulation. Pursuant 15 USC 1681 furnishers of information must provide accurate and complete information ; Income does not get reported on consumer report according to the IRS, they filed a 1099C, cancellation of debt and income is excluded from the consumer report, so this account is inaccurate.
|
| 03/14/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a used auto loan with PenFed Credit Union. The loan was paid in full and the check has cleared the bank on XX/XX/2022. However, despite numerous calls and emails to PenFed with copies of the check showing it has cleared the bank, they still show it as outstanding. They are still sending me collection letters as well as not releasing my title to the vehicle. I am exhausted. I have tried everything to get this cleared up on my end. I have even reached out to their collection department and they also see notes and a copy of the check in their system. The check has our loan number clearly printed on the check.
|
| 12/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have an unauthorized hard credit inquiry from Pentagon FCU appearing on my XXXX credit report. Ive attached a copy of the pre-approval letter from my credit union, XXXX XXXX XXXX ( who currently finances my vehicle ), as well as a letter from XXXX XXXX XXXX admitting my credit was ran in error. There was no reason for Pentagon FCU to run my credit due to having already secured financing through my own credit union.
I am requesting that Pentagon FCU remove the hard credit inquiry from my XXXX credit report.
I will pursue legal action, if necessary, to request the inquiry be removed from my credit report.
|
| 07/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I was approved for an SBA loan on XX/XX/2020. The loan proceeds of {$140000.00} were deposited into my personal checking account. I was contacted by Penfed via email and informed that my loan proceeds were being returned as business transactions were not permitted in the account. On XX/XX/2020, Penfed returned some of the funds {$120000.00} to the treasury department. The funds were sent in the form of payment for my loan and not returned as I was informed due to the account being unable to perform business transactions. Penfed also notated on the cashier 's check that I had committed fraud which I have not.
|
| 03/20/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
XX/XX/XXXX - applied for HELOC with PenFed Credit Union XX/XX/XXXX - was given conditional approval after uploading supporting documents. pre-approval was based on credit score, income and a pending appraisal XX/XX/XXXX - application was denied by underwriting. No notice was given. They deleted my application so the loan processor could not find it. I waited for 3 weeks to get an appraisal that I was told was the only thing keeping that conditional approval from turning into a full approval. Instead of an appraisal, my application was denied and deleted. No reason given and no way to find out what happened.
|
| 10/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A LOAN WAS OPENED IN MY NAME AROUND XX/XX/2019 FOR {$20000.00}.
ACCOUNT NUMBER XXXX I FIRST OUT ABOUT THE FRAUD AROUND XX/XX/2019 AND PROCEEDED TO FILE A REPORT WITH THE FTC FOR IDENTITY THEFT.
I MAILED A DISPUTE LETTER TO PENTAGON FEDERAL ON XX/XX/XXXX REQUESTING TO CLOSE THE UNAUTHORIZED ACCOUNT AND TO TAKE STEPS TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE. I PROVIDED A COPY OF THE IDENTITY THEFT REPORT, PROOF OF IDENTITY AND A NOTICE TO FURNISHERS OF INFORMATION.
THIS WAS SENT BY CERTIFIED MAIL, TRACKING NUMBER XXXX AND RECEIVED XX/XX/2019. TO DATE THERE HAS BEEN NO RESPONSE FROM PENTAGON FEDERAL.
|
| 02/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
I sent {$50.00} to PENFED Credit Union in November 0f 2021 for membership in the credit union, along with membership, routing, and account numbers, received from PENFED, but I was never able to log in, so I was told that they could not verify that I was who I said I was.
They had my money with the information supplied to me by PENFED. This log in problem lasted more than a month, I specifically asked for a return of my money and a termination of any and all business with PENFED. I was told that it would take a week.IT 'S BEEN months.
I want my {$5000.00} dollars back and no further contact with PENFED.
|
| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 01/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
This Financial organization is collectively working against its customers by tacking on rigorous amount of fees and collecting interest on these fee they are robbing there customers with this business tactic. I refinance my vehicle in the hopes of a lower car payment however I have been deprived and deceive by while this organization capitalize on my business. The scheme they have plotted allows the bank to charge people a XXXX when they havent heard from you and add interest on it should be illegal Especially this exceeds the value of the vehicle. It is highway robbery should be considered extortion.
|
| 11/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
I sent a {$15000.00} XXXX check to my US checking account, Pentagon Federal Credit Union, with the required special international form on XX/XX/2021. It was sent registered and signed for on XX/XX/2021 at XXXX. The funds have yet to be deposited into my account. I have called numerous times, and have been told the funds need to go to a 3rd party, XXXX XXXX, and it could take 4 to 6 weeks. My XXXX account informed me the check was cashed XX/XX/XXXX, but as of today, the funds have not been deposited into my checking account. I have no clue where my money is, and who is collecting interest on my funds.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX, someone apply for a credit card Penfed credit union using the name XXXX XXXX. On XX/XX/XXXX I reported the credit card aplicarion as Fraud and they were able to withdraw the application and was not granted.
On XX/XX/XXXX, someone apply for prepaid debit card serve by XXXX XXXX, using a different email address and set up a pin i dont use. XXXX XXXX was not able to provide email address that was used. The name that was used was XXXX XXXX.
My personal checking account XXXX XXXX union was compromised twice, {$80.00} charge by XXXX XXXX this is a wire transfer company, fraud company.
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
As of XX/XX/2023 XXXX reported back inaccurate info ( Pentagon Federal Credit Union ) of XXXX Days Late. PFCU has already made the correction on their end however XXXX customer rep claims they were never sent appropriate documentation from PFCU. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting XXXX to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.
|
| 05/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
Dear, Im XXXX old XXXX XXXX civilian and credit card holder from Pentagon credit union since XX/XX/XXXX, after the merger the guidelines and term of disputes changed from 3 Busniss days to 30 days to assign someone to dispute and issue provisional credit and NOT deduct interest on the disputed amount and email affidavit for signing when I signed terms with Pentagon credit union in three business days and they must disclosed any changes and follow the grandfather clause.
I filled dispute on XX/XX/XXXX, foot massage I just got letter that the dispute resolved in my favorite last weeks, 18 months.
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I received a letter today XX/XX/XXXX dated XX/XX/XXXX that my account had been closed. I was not aware my account had been closed. I was also advised this was a result of service fees that were being charged to my account monthly. I had a free checking account and request the fees to be waived. Additionally, I was charged {$30.00} for a returned transfer from XXXX back which was a result of XXXXXXXX XXXX making an error. As seen from the attached correspondence from XXXX, this was their error and was fixed. I ask for a credit of those fees as well.
Please instate account and fees.
Thank you.
|
| 04/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Notified via email from collection agency agency. Notification did not provide ( 4 ) Instructions for a reasonable and simple method by which the consumer could opt out of such communications ; and violating Official interpretation of Paragraph 6 ( d ) ( 4 ) ( ii ) ( C ) ( 1 ).
The document attached to email provided simple method to verify or dispute debt but not to remove email as commination method.
In addition authorization for email contact was revoked from " original creditor '' prior to notification from collector as this is a shared email. Violating number 3 of same regulatory article.
|
| 07/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
Attempted to login on XXXX XX/XX/2002 unexpected error occurred I followed al steps recommended to include reenrolling and changing user name and password the following occurred addressing the sam isuue ..New User Registration Notification Case # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subsequent attempt to resolve the issue have met with no resolution and multiple emails stating a representative would respond which happened twice out of ten times with still no resolution verbal contact is futile with reps in Nebraska and where else do not know, being courteous but not helping.
|
| 10/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have a total of {$240.00} in over the limit charges, late fees and rejected payments. I have funds on my payment account, I dont understand why there is rejected payments.
XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX I need to get charges waived from the account.
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| 10/05/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
i had my auto refinanced with penfed credit union on XX/XX/20 and i agreed to pay {$560.00} so that my first payment would be due XX/XX/20 spoke with XXXX 0n XX/XX/20 stating that i would get a coupon book i also spoke with supervisor name XXXX on XX/XX/20 informing him that i had not received my coupon book which i did not receive until XX/XX/20 so i mailed the check to penfed credit union in XXXX, ne and the only account number that i had was the one that was with my membership not knowing that this was not my auto loan account number then receiving a e-mail that i was late with my payment.
|
| 08/13/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
Servicemember |
|
In mid XX/XX/2020 we applied for a va refinance with Pentagon Federal. We provided requested information by the end of XXXX including all our financial information a new appraisal and termite inspection. Since the end of XXXX we have been unable to get a status on our application. Since so much time has passed our appraisal and financial information is now stale. Also our interest rate lock has expired and Pen Fed rates have increased. We have been told our original lock rate will be honored but have not yet received any disclosures specific to our loan application regarding a rate extension.
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| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
These are the creditors as follows : 1 ) XXXX XXXX XXXX XXXX 2 ) Pentagon Federal Credit Union 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXXXXXX 5 ) XXXX
|
| 05/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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On XX/XX/2022, I paid {$580.00} to XXXX XXXX XXXX, for an appraisal on my house, for a refinance conventional mortgage with PenFed Credit Union. I have never received a completed appraisal. PenFed claims the XXXX will not sign off on an appraisal until alterations are made to the property. This was not agreed upon prior, and if they will not complete the appraisal, a full refund should be issued as they will not be fulfilling their obligations. The mortgage company refuses to move forward with a completed appraisal, which the appraisal company, which was chosen by PenFed refuses to complete.
|
| 02/21/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/ 2019 we submitted a formal request for a trustee to trustee IRA transfer of approximately $ XXXX to Pentagon Federal Credit Union ( PenFed ) at the XX/XX/XXXX maturity of a five year certificate of deposit.. On XX/XX/XXXX we contacted PenFed inquiring why the funds had not been transferred and were still sitting in non-interest bearing share savings account. We were told that they found the transfer request and would process it. As of today. XX/XX/XXXX the funds have not been deposited with the new trustee, XXXX XXXX, although the PenFed savings share account shows a XXXX balance.
|
| 11/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
We closed out a loan with PenFed credit union-paid off XXXX mortgages with them. For our florida house that we paid off, they kept our escrow money. It is my understanding that they need us to sign something to allow them to keep that money for any reason. We closed on that months ago and still have yet to receive escrow monies of XXXX they held, plus over XXXX that we had to give as a deposit despite already paying a full year of insurance before closing. We then had no money to pay for the insurance that was due! How can these big banks be allowed to have fraudulent business practices?
|
| 02/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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In XX/XX/2022, an XXXX post-dated pay was set up for XX/XX/2022. On XX/XX/XXXX, I noticed there were pending transactions in my bank account for 3 payments of XXXX rather than the one I authorized and the one I make every month. On XX/XX/XXXX, I called PenFed to inform them that an error was made and that 3 ACH transactions were taken instead of 1. I requested that 2 of them be reversed because XXXX extra would be an undue and unreasonable strain on the living situation for my family during these uncertain times. I was told by the representative that they could not do anything about it!
|
| 09/30/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Servicemember |
|
I browsed online to XXXX XXXX XXXX, following an advert online XXXX XXXX ] and was unable to file an application for a credit card notwithstanding receiving advertisements for application where my email address is being blocked for some reason.
The web-based email address is XXXX hosted by XXXX XXXX a US-based technology company quoted on the XXXX XXXX so providers need to sort out these market-based oligopolist issues between them.
Misleading advertising is in breach of law when liaising with customers within the XXXX XXXX and we trust you work towards better standards eventually.
|
| 03/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am in receipt of your communication dated XX/XX/XXXX.
Your letter states that my account was 30 days late for the months of XXXX, XXXX, and XXXX.
Please be advised that on my XXXX credit report PenFed reported a 30 day late for XX/XX/XXXX as well.
Please be advised that on my XXXX report, PenFed reported a 30 day late for XX/XX/XXXX as well.
Please be advised that on my XXXX report, PenFed reported 30 day lates for XX/XX/XXXX and XX/XX/XXXX as well.
This does not line up with your recent correspondence. Your letter to me is attached to this complaint.
Thank you, XXXX XXXX XXXX
|
| 08/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Rejected overdraft protection on new checking account as I have never in my life overdrafts an account..agent was persistent and acquiesced ... was never explained as a line of credit on any way shape of form and credit union actually established an unauthorized line of credit..they reviewed the call and refuse to remove it from my credit report..I closed the line immediately oupon learning it was an actual credit line. Was improperly established through tactics that were misleading and I did not give authorization to establish a line of credit..have the recorded calls to verify this.
|
| 10/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
bank is overcharging and changing the terms of the loan without a reason. bank has extended the amount i owe without any proof of logic. bank has failed to explain how they come up with the amount differences, bank has contradicted several times and failed several times to explain the how they have reached the new amount i owe. bank has failed to honor the 48 payments term bank has a over inflated pay off amount that they can not explain the mathematical logic. bank is over charging the interest rate that wast agreed on. bank failed to communicate properly or promptly about my issues.
|
| 11/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Penfed advertises a XXXX auto loan rate for 60 months for new cars. The steps are you must use there auto buying service and buy a new car plus have good credit. I followed the steps they ran my credit and they offered me a XXXX rate at 72 months when I asked for 60 months. That rate is higher then advertised and higher what I was able to get at another bank of XXXX for 60 months. My credit score is XXXX with no late payments yet Penfed couldnt disclose why I dont qualify for XXXX rate. I believe they are bait and switching by offering a rate they dont actually have or plan to give.
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX there was in inquiry that appeared on my XXXX credit report that I did not initiate. The company name showed Pentagon Federal Credit Union. I contacted the CU directly and they confirmed that someone had used my name, address and SS number to set up an account. They explained how an investigation could take several months, after which there would be a letter sent to each of the credit reporting agencies to remove the inquiry, however, I have nothing in written, thus no confirmation for the actions and steps that will be taken to have this removed from my credit report.
|
| 12/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I did not see my automatic payment come out of my account in XXXX, so I emailed them. Pentagon Federal said I had paid them. I knew this draft did not occur so I called them. They said it was fine, paid.
I called them again after I noticed it was reversed. They said I had the wrong number in for the account, and that they would correct it.
The payment went through but again was reversed. I called again today XX/XX/XXXX and they think they have my XXXX payment correct but still are working on my XXXX payment. Both the latest attempt to pay XXXX and XXXX were reversed XX/XX/XXXX.
|
| 07/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I applied for a car refinance I noticed multiple credit Inquiries on my XXXX report all in the same day I only applied for 1 loan not 4. I want 3 inquires removed from XXXX report please XXXX Don't remove inquires.
1 inquiry PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 2 inquires ( XXXX ) XXXX PENTAGON FCU Inquiry : XXXX. XXXX, 2018 Credit Unions 3 inquires ( XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX 4 inquires XXXX ) XXXX PENTAGON FEDERAL CRE Inquiry : XXXX. XXXX, 2018 Credit Unions ( XXXX ) XXXX All in the same day. XXXX
|
| 11/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
My daughter and I opened a credit card account at Penfed Credit Union years ago. We have been trying to close the account for over a year. Penfed keeps sending a statement each month and adding {$1.00} each month at a " Paper Statement Fee. '' This is a scam and not worthy of an organization which touts itself as a military friendly credit source. I am an XXXX veteran and always had a positive view of Penfed until this experience. I shouldn't have to file a complaint with the CFPB to stop this monthly scam. There is no way to close this account with Penfed. Perhaps CFPB can help.
|
| 09/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX i made a complaint with the consumer financial protection bureau about an unathorized inquiry made by XXXX XXXX. In response to that complaint they replied back to me stating i allowed the inquiry. XXXX XXXX XXXX, the Vice President wrote stating that one inquiry was for XX/XX/XXXX and he found no other instances in which they requested my credit report. Well Mr Vice President of PenFed explain to me what this is then in the attached files. To the CFPB stop closing the account just because the company responded. You are here for the consumers so please, do your job.
|
| 08/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received an unsolicited Credit/Debit card in the mail from PENFED Credit Union on XX/XX/XXXX.
I called their Consumer Fraud number through the customer service number listed on the fraudulent card : XXXX to cancel this card. Tomorrow I will call member services to make sure the account in my name is closed.
I am worried that someone has my Social Security number.
I called XXXX and XXXX to place a Fraud Alert on all my Credit files.
What else should I do to protect my Identity. I am normally very careful to use known/trusted companies to purchase items online through XXXX.
|
| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
In XXXX, my account total was {$9700.00}. I made a payment of {$6500.00}, which was intended to pay off the previous balance in full. However, instead of reducing my balance to {$3200.00} as expected, my XXXX statement shows the ending balance as {$9700.00}. This statement does not reflect the payment I made before the statement closed ( XX/XX/XXXX ), and as a result, I have been wrongly charged interest. Due to this incorrect statement, furthermore, I am unable to see my correct balance before it is due to be paid in full for XXXX statement. I have attached XXXX statement.
|
| 01/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
Older American, Servicemember |
|
1. Due to illness, PenFed {$5000.00} check was stale when went to deposit at bank.
2. Returned voided PenFed check to PenFed.
3. Have not received credit for unused PenFed check.
4. Moneys not deposited to my PenFed Account ( s ).
5. Been billed for never deposited money to my PenFed Account ( s ) 6. No more money in my PenFed Account ( s ).
7. Now, PenFed threatens to ruin my credit rating.
8. Have not been able to speak to a live person!!!
9. Am XXXX year old veteran.
10. Will see oncolgist tomorrow to determine if I need a new XXXX XXXX or another XXXX XXXX ....
|
| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
fell behind on car note couple of months ago. Have been paying on time payments to this account for almost two years. I've had my checking account linked to this account for all this time. When I got behind, they said the account was not linked. I reverified the account by them sending text messages and email codes to my devices. Then it says this checking account is already linked but will not allow me to make the payment by not showing the supposed linked checking account. They bill on their website showing XXXX and XXXX is not done and XXXX has not come in misleadingly.
|
| 10/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
O have tried 6 times to make a hardship application and they have pull my credit and started paying them theXX/XX/XXXXand XX/XX/XXXX of each month and cant paid the full amount in full and they keep canceling my application with out a good reason. Im doing everything on my end and show them all my income and account and cant keeping doing payments and they are reporting that I have not do a payment for months and it not true. Should I get a bankruptcy or else. They are just not giving me a alternative. I havent get a letter or anything for the last 30-60days. From PenFed
|
| 11/02/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I am trying to refinance. Pen Fed is my current mortgage company.
They upgraded their system and it has caused their website to not post XXXX and XXXX mortgage statements.
I need these for the refinance.
I have now spoken with them six times, after long phone holds. Each time they have assured me the statements were being sent. I have validated the email addresses and have not received them.
I have also had ineffective email exchanges where their rep told me to just get them on line.
I am calling again today and starting my third week of trying to get these.
|
| 04/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Servicemember |
|
Pentagon Federal Credit Union is involved in a bait and switch with veterans credit cards in relation to cash advances. They roll over cash advances and then when you go to pay instead of paying the highest rate first as they advertise they have an algorithm that partitions the payment so you never pay the lowest rate completely. Their poor customer service folks have no clue what they are doing because it was designed in the high office in collusion with IT to make it innocuous. But they are stealing from the veterans they have pledged to protect and it is offensive!
|
| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Pentagon Federal Credit Union is reporting my auto loan status incorrect to transunion the auto loan was NOT included in my chapter XXXX bankruptcy in fact I sold the car prior to filing. PenFed sent me a payoff confirmation letter. This was sold to XXXX the account was paid in full and closed by me. As the lien was satisfied. Yet penfed decided to report it as derogatory commenting included in chapter XXXX bankruptcy this account wasnt included the account was paid in full and satisfied. Not derogatory and I want this updated to reflect paid in full as it should be.
|
| 08/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
On XX/XX/2023 I filed a CFPB complaint against PenFed regarding the fact that PenFed does not provide the same level of service to consumers who prefer not to communicate via telephone ( including communications via TTY service ) and that PnFed does not take requests from consumers for reasonable accommodations under Americans with Disabilities Act.
Today I could not log in into my PenFed account online and realized that my online access was blocked by PenFed.
I believe that PenFed had blocked my access as a retaliation to my complaint made to CFPB on XX/XX/2023.
|
| 08/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022, my penfed credit union cash reward credit card was involved in fraud activity. Money was transferred from my credit card to my saving and checking account and then moved to a XXXX bank. Since then, my personal information has been used ; recently, I received a letter stating that a personal loan was not approved, which I did not request. I was told by the back to contact the three main credit beurs to freeze those acts. To avoid other fraudulent activity. I'm looking for further investigation and stopping who uses my personal information on my behalf.
|
| 10/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I do not recall ever having a legal obligation with this company nor do I believe one exists. Investigate the way PENTAGON FCU ( account number:XXXX ) is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I would highly appreciate it if you block these accounts from reporting immediately. Failure to comply with the request should result in the immediate deletion of the items in question.
|
| 12/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
Completed a zero interest on a balance transfer on Zero interest expired which they changed to a cash advance, I have never had a cash advance in my life. Paid of the balance by the due date and they still charged {$60.00} cash advance fees after pay off. Not sure what other overcharging as I just noticed this when I called and they said I did a cash advance never did this, I asked why did you move the transfer balance into a cash advance is this not illegal?
Unfair business practice taking advantage of the consumer.
Member Number : XXXX Penfed credit union XXXX
|
| 10/09/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have closed the loan on XX/XX/XXXX and the credit union took out our monthly payment on the XXXX of XXXX. I have contacted them by phone on the XXXX of XXXX and they told I should receive the the refund within a couple of days. I also sent at least 3 emails to the mortgage to department and I have never had any responses. So I called the office again on XX/XX/XXXX and I spoke to a women in a different department. She was able to contact the correct department and they told her the payoff funds showed up on the XX/XX/XXXX. As of today I haven't received my refund.
|
| 08/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American |
|
I refinanced my XXXX XXXX XXXX with PenFed Credit Union and they are not managing the loan. First they force placed insurance after i and my agent sent them proof of insurance since the beginning of the loan. Then they just now increased my interest rate to 14.00 % as they say they are not the leinholder on the title. I took all the paperwork to the DMV and they said Pen Fed has to perfect the lien with the state, not I. I gave this info to Pen fed and then the response was this letter. They have increased my payment XXXX a month. I need you to get involved please.
|
| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This company inquired my credit report without my authorization on XX/XX/XXXX and XX/XX/XXXX of 2022. I called them on XX/XX/2022 and after a long wait on the phone where I complained about them pulling my credit without my consent the agent on the line cut the call claiming he could not hear me. I bet he could hear me he just did not want to address the issue. I sent a letter on XX/XX/XXXX asking for the consent or have my inquiry removed. They have not replied to me. And after this bad initial impression on the phone, I feel like they will also ignore my letter.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In XX/XX/2022, I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Fl to try to finance a used vehicle. I know my credit score is not the best but I still tried to apply. I was told that my credit was going to be ran ( which I agreed to ), but I was not aware that my credit was going to be ran many times through
1 5 different banks. Now I have about 17 hard inquiries on my credit score but I did not authorize the dealership to run my credit that many times. I want these inquiries removed if possible because I wouldnt of agreed if I knew this would happen.
|
| 11/01/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I make my equity loan payments on time every month. I learned in XXXX, 2020, Pentagon Federal Credit Union performed a system upgrade for the Mortgage Servicing System and it is erroneously reporting that my XXXX payment was not made. I have contacted them by phone and XXXX multiple times in the past month to rectify the situation, but they have done nothing. I am concerned that because their system thinks I am delinquent, they will be reporting this to the credit bureaus. They are unable to provide to me a date for when this issue will be resolved. Please help.
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I pulled my credit report and it is showing multiple inquiries from XXXX XXXX and I don't know why. I have not inquired any new credit or tried to so I am asking for these inquires to be removed from my report. it is inaccurate and needs to be removed according to 15 USC 168 ( 5 ) the following are XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
Account showed 2 payments late so I contacted Pen Fed Credit Union and disputed the charges and late fees as fraud. I received a letter in XX/XX/XXXX. 2023 stating that they found the charges to be fraudulent and would remove them. They did but they didn't remove the late charges. I contacted them an XXXX XXXX and they said they would remove those too. My XXXX showed a drop of XXXX points. I filed a dispute and included the letter from them. The results of the investigation as of XXXX said it contacted them and the debts were mine. This is wrong please help.
|
| 04/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have XXXX XXXX XXXX XXXX credit card with Pentagon Federal Credit Union, where I have scheduled auto payment for statement balance every month in their systems.
In XXXX, there was a fraud on my account which was automatically identified by Penfed. They closed the existing account and issued me a new card. I verified with them if I need to make any changes to my account, I was told no.
Today, I noticed instead I am charged interest and when I called them, they said they know the problem but instead of fixing bouncing me back from one person to another.
|
| 03/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
This is the message I sent to Pentagon Federal Credit Union XX/XX/XXXX : Hello PFCU I'm being charged fees for using ATM listed on your website as surcharge free and the ATM in D.C. that utilizes an XXXX system. So I would like all my fees returned because these charges are incorrect according to your ( PFCU ) policy. Pentagon FCU has been charging me incorrect fees for ATM usage. These ATM fall under the guidelines PFCU. Also I was told by a PFCU representative on XX/XX/XXXX that if I use an ATM that has an XXXX System I would not be charged any fees.
|
| 10/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
Penfed Credit Union says we have a Premium Online Savings account. We never opened such an account. The Penfed statement says we owe {$14000.00} back in XXXX of XXXX. We reported another claim when Penfed withdrew ~ {$18000.00} from our account at XXXXXXXX XXXX, Connecticut in early-mid 2022. XXXX said this was an unauthorized withdrawal and credited our account. That account was closed due to this fraud.
Please investigate ; we also received a collection notice from XXXX XXXX XXXX, their account # XXXX for this fraudulentloan.
thanks XXXX, XXXX XXXX
|
| 08/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a personal loan with PENFED CREDIT UNION and i was declined for reason that are not true, several of my colleges in sale and bank institution told me there's no reason to be declined i have XXXX credit score XXXX credit history, 1 % credit card used house pay-offf, XXXX vehicles pay off in history,,, no debt what so ever i have history of payment on personal loan it makes no sense to be declined ...
there are discriminations that's what that is there's no reason to be declined i im going to take this to this all the way this is not legal
|
| 07/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018 and Pentagon FCU. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from XXXX XXXX and Pentagon FCU.
|
| 03/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received a letter ( attached ) " Welcome '' to your new checking account from PENFED Credit Union, which included an ATM card and indicated a balance of {$5.00}. I never opened an account with them, but had an account with XXXX XXXX XXXX with a {$5.00} balance. I thought perhaps they'd changed their name and planned to call and close the account. I never activated the ATM card. However, before I got around to calling, I received a second letter on XX/XX/2021 stating my account was overdrawn by {$1900.00}. I called them immediately to report the fraud.
|
| 05/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Acct. # XXXX After reviewing my XXXX credit report I noticed a fraudulent account being reported by XXXX XXXX XXXX XXXX XXXX . I contacted them to dispute this account and provide me with contractual evidence that this account belonged to me. After answering several questions it was determined by the agent the account was fraudulent. I was told that the account would be removed from my credit reports. This account is still reporting on my credit report and adversely affecting my credit profile. I am requesting this account be deleted immediately.
|
| 10/24/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
I XXXX XXXX have had saving account with Pentagon federal credit union for since XXXX I have used this account for all deposits for retirement and my employment all funds was deposit deposit in my saving I had a open check-in account but since I do n't write checks I never really used it just to maybe transfer money into XXXX. All vacation checks refunds from taxes. Around XXXX of XXXX I started missing funds from my saving account I contacted social security and XXXX XXXX because I could not pay my rent or medical insurance.Around XXXX XXXX XXXX
|
| 07/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I received XXXX separate letters XXXX on XX/XX/22 then XXXX on XX/XX/22 from PenFed Credit Union. Both stated that I have been approved for a XXXX XXXX card I never applied for. I contacted the company on XXXX and indicated that someone has apparently has stolen my personal information and do not approved this credit application. They informed me that they will contact their own fraud department of identify theft and that someone will contact me in 2-4 business days. They also instructed me to contact the 3 credit bureaus of the identify theft.
|
| 01/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I applied with this company last week.
The first problem they pulled my credit two times for one application.
Second they told me I was approved, then told me I was declined, then told me I was approved and sent me an email stating the approval. Now tonight I find a car that fights the approval and I was told after leaving the dealership and placing my Deposit that Im declined. No one in this company has patience or give true and correct information. This is so frustrating and embarrassing. I need solid answers, not only that the apr changed.
|
| 07/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
ON OR BEFORE XX/XX/2020 I USED MY CHECKING ACCT ENDING IN:XXXX, AND BOUGHT ME A 2015 XXXX XXXX XXXX ( BLACK & RED ). WITH MY MEMBERSHIP # XXXX MY COST WAS BEAUTIFUL, XXXX DEALER NAME WAS XXXX NICE FELLOW ( XXXX MAN ) AND I NEVER SPOKE WITH HIM AGAIN.PENTAGON FEDERAL CREDIT UNION HAS DISCRIMMINATED AGAINST ME THEY SENT MY RETIREMENT DISABILITY INSURANCE BACK TO THE SOCIAL SECURITY ADMINISTRATION, ( 2 ) WITHOUT TELLING ME AND I OPENED UP THIS ACCOUNT ON:XX/XX/2020 AND SOCIAL SECURITY JUST RECIEVED MY RETURED CHECKS. AND I HAVE A BILL OF SALE
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX XXXX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
|
| 06/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
I received a letter stating that a checking account had been opened in my name, the letter provided an account number and routing number. A letter followed immediately stating that the bank identified this as potential fraud and access had been blocked. I tried to call bank and it wants me to input a ssn, which I did not do. I tried to get through to an operator and when I did, I got hung up on.
The Banks info is : PENFED Credit Union.
Address of bank : XXXX XXXX XXXXXXXX, XXXX NE XXXX.
Bank phone number XXXX Bank web page : PenFed.org
|
| 08/18/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I was provided the attached closing disclosure on the day of my mortgage loan closing. It shows the interest rate as 0 % with the monthly principal & interest amount blank, the projected payments section blank. I pointed this out to the notary who said that I still needed to sign it, which I did.
This is after PFCU had provided multiple other LEs and CDs ( due to delays ) changing the interest rate and saying it was at my ( the borrowers ) request. Only after I objected did they offer to cover the cost of the increased origination fees.
|
| 02/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My credit card info was compromised, there were numerous log in attempts, transactions and payments with out my knowledge of consent. Its been month Ive contacted the company numerous times no one has looked into it or anything! They keep talking me about a dispute from XXXX which was resolved but fail to look into what Ive notifed them about which took place on XXXX and is still occurring and yet Im being contacted by collections everyday for the debt! The company had also confirmed theyve sent my cards to incorrect address in the past!
|
| 05/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
Servicemember |
|
I mobile deposited a check from XXXX XXXX dealership for XXXX . The check was deposited in my account on XXXX / XXXX / XXXX . The check was drawn on XXXX XXXX of XXXX va. The check was then withdrawn from my Pentagon federal credit union account on XXXX / XXXX / XXXX for duplicate deposit. I 've contacted both banks and the issuer and keep getting the run around. The check was apparently deposited in XXXX accounts. My car was stolen and the check was in my vehicle glove box at the time of the theft. Please help
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to PENTAGON FEDERAL CR UN. In my credit report from XXXX XXXX XXXX, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
As I was reviewing my credit report, I noticed an unauthorized inquiry and inaccurate account that are reporting to my name. I am terrified that someone out there has my information and has been using it. This has been making my life XXXX. My credit has taken a toll due to the reporting of the inaccurate information. I am stressing out that my information is being used without my consent, please help! I want to get this issue fixed as soon as possible. I can not literally do anything with my credit looking like how it is. Please help!
|
| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
ACCOUNT ON CREDIT FILE AS PENTAGON FEDERAL CREDIT UNION THAT NOT MINE AND ITS FRAUD! IM NOT MILITARY OR HAVE ANYONE IN MY FAMILY AS MILITARY SO HOW COULD I EVEN GET A MILITARY CREDIT CARD! I HAVE FILED A POLICE REPORT AND FTC REPORT AND I CONTACTED THIS CREDIT UNION SEVERAL YEARS AGO AND TOLD THEM THIS ACCOUNT ISNT MINE AND CONTACTED PENTAGON FEDERAL CREDIT UNION WHEN THE INQUIRE WAS MADE ON XXXX AND TOLD THEM THIS ACCOUNT WAS FRAUD AND THEY SAID THE ACCOUNT THAT WAS ISSUED UNDER MY CREDIT WILL NEVER BE ISSUED OR CANCELLED. THEY LIED
|
| 08/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I logged into my online account to find that PenFed had closed my line of credit. I called customer service and was told that it was closed on XX/XX/2023 due to inactivity. I asked if an email or letter was sent to me, because i did not receive any communication. She said based on my account profile and FICO, there was nothing that would cause a closure. She put me on hold and spoke to a supervisor, who said it would seem that a letter would be sent, but it appears no such letter is in their system. This is horrible customer service.
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX refuses to listen to the consumer as to the event of their credit score. I called when I knew I was late and was told they would not report to my credit report. Not only do d tgey and did they drive my credit score south which prevented me from being able to get a home equity loan from PENTAGON FEDERAL CREDIT UNION because they choose not to honor the COVID 19 cares act, which a couple weeks ago on XXXX REORDERED LINE A CUSTOMER SERVICES SAID TGEY WERE NOT WORRIED ABOUT TGE CARES ACT BECAUSE THEY ARE BIGGER THAN THE GOVERNMENT.
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX XXXX XXXX XXXX and PENTAGON FCU XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.
|
| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Me and my wife joined XXXX years ago National debt relief program. The got the personal loan I had with Penfed credit union because my wife signed as cosigner. During the debt consolidation program penned collect some of the debt from my wife through national debt relief but they did report it to XXXX and XXXX as rightoff and bad credit and they didn't report that some of the money is paid off. This happened also with XXXX XXXX XXXXXXXX. Here I paid some of the debt through national debt relief but is not reported to XXXX and XXXX.
|
| 03/31/2017 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
Servicemember |
|
I am a XXXX. I have paperwork to prove this. As a result of my fulltime status, i get XXXX and XXXX from the VA veterans affairs due to my military service. I get regular scheduled payments to my PenFed Credit Union Bank Account. This morning my XXXX did not show up. I called the bank to ask why and they said it was not entirely sent and they gave me a statement that lied to me. The Va claims they sent it out and the bank must have redirected it somewhere else.
I need assistance in this fraudulent situation that is ruining my life
|
| 09/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with cash advances
|
|
Web |
Older American |
|
This is against Penfed Credit Union. On my XXXX statement I noticed that I have been getting a {$3.00} charge for a cash advance. I contacted them to ask about this cash advance as to when it was made and how much. I have not gotten a response as to date. I called and could not get an answer. Penfed # XXXX Thank you for contacting PenFed.
Weve received your support case ( XXXX ) and have forwarded it on for reviewa representative will be in touch with you as soon as possible.
Sincerely, PenFed XXXX XXXX Take PenFed with you!
|
| 04/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity got stolen around 6 years ago from my car with my wallet I am disputing the following fraudulent accounts that are not mine these accounts are fraud XXXX XXXX XXXX COLLECTION ORIGINAL CREDITOR PENTAGON FEDERAL CREDIT UNION ACCOUNT # XXXX AND OPENED AROUND THE YEAR 2016 I am a victim of identity theft and I never opened THIS account again I am a victim of identity theft and i never opened this account its fraud. I am a victim of identity theft and this account is not mine. Fraudulent address XXXX XXXX XXXX XXXX CA XXXX
|
| 01/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
The last payment on this credit card was XXXX XXXX. Pentagon Federal Credit Union is illegally re-aging the account to keep it on my report. Whenever I dispute it, they re-age it again, and are currently showing I made good payments until XXXX. That is completely false. The date of delinquency and the last activity are the same, XXXX XXXX. The amount past due is {$12000.00}. and the account begins with XXXX. I have not had a job since XXXX. I have been a XXXX XXXX XXXX and have XXXX income, therefore I have not made any payments.
|
| 04/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I refinanced my home earlier this year using Pentagon Federal. Escrow signing took place on XX/XX/2016. I received a letter from XXXX today XX/XX/2116 dated XX/XX/2116 letting me know that the ownership of my XXXX lien mortgage had been transferred by Pentagon Federal Credit Union to XXXX. This transfer was effective XX/XX/2116. I never received correspondence from Pentagon Federal or XXXX letting me know that this was going to occur. It was my understanding that I had to be notified 15 days before the transfer became effective.
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Lender is not accurately reporting my credit file with false claims of missed payments.
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Account XXXX : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 09/18/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I requested a home equity line of credit ( HELOC ) for {$50000.00} from Pentagon Federal Credit Union ( NMLS XXXX ). I was told the underwriter denied it. I then requested an amount of {$25000.00} line of credit. That to was also denied, yet ; for that amount I qualify based on outstanding mortgage/assed value of home is less than 80 % which I was told I had to be under ==> $ XXXX {$430000.00} ~= 75 %. I feel I am being denied by Pentagon Federal Credit Union for an equity loan despite my being a member for close to 40 years.
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
My credit was pulled so many times for different loan companies for a car loan with out my authorization, i was only advised my credit would be used for a specific credit loan company called XXXX XXXX XXXX, whom i currently have my car loan with now. I was not notified that they would misuse my personal information and have my credit pulled as many times as they did. Now i have all these hard inquiries of different car loan companies on my credit that are affecting my score and i need them removed so my score can go back up.
|
| 01/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 my wife 's grand parent applied and get approved for a credit card with Pentagon Federal Credit Union. He added me as an authorized user. The Covid situation affected us and he was not able to make the payments. Based on the Pentagon FCU card agreement, which I attached, " ... I am not financial responsible for this account ... '' since I am not the account holder, just an authorized user. The account is showing on my credit report and is affecting me now when I'm trying to purchase a home for me and my family.
|
| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2020 I reported 3 unauthorized inquiries to XXXX and creditors.
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them.
Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both XXXX and the creditors have failed to comply with the FCRA.
Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.
|
| 12/01/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reach out to Pentagon Federal Credit Union via certified mail on XX/XX/2021 to exercise my rights to verified an alleged debt.
Pentagon Federal Credit Union received my certified mail on XX/XX/2021 and they did not reply to me and I havent receive an audit trail & any other documents pertaining to the consumer credit transaction that I demanded in my cease & desist letter.
I need this information to verify this alleged debt but Pentagon Federal Credit Union is ignoring me and this is an violation of my consumer rights
|
| 10/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I wanted to report fraud on my account and dispute these transactions all transactions with the merchant XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX' every single transaction under those XXXX merchants is fraud and unauthorized transactions I call to try to get them to dispute customer service and fraud department they were not assisting me and didn't add all charges as of right now I don't have my card I'm assuming it's lost I attach photos of each transaction that's fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
my card was stolen and my son who is on duty was overseas there claiming this signature which is just a line is mind or my families which is not this is not our signature nor is it my sons or my daughter who live in my house but where over seas at the time and there is proof penfed made this decision illegal knowing its fraud and are violating my rights under the FCBA they need to be investigated as this is a routine matter they deny legitimate fraud claims the XXXX police report number is for the fraud is XXXX phone XXXX
|
| 11/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
On XX/XX/XXXX I opened a checking account with Pentagon Federal Credit Union, having requested closed my previous account on XX/XX/XXXX at the completion of an auto loan.
I did deposit money to open the account.
I was never given access to my account online, and there is no branch for this bank. I tried countless times to work with PenFed customer service to obtain access, but every time I attempt to log into penfed, with my correct username and password, an error message appears. Penfed is holding my money hostage.
|
| 11/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I cant view statements or make payments on my account because they have blocked my access to the website I have contacted them on several occasions no one seems to know why my access is blocked I have taking the steps provided but I'm still blocked from entering the website to view statements or make payments.
The only way i know any info about the account was through a consumer reporting agency which is reporting a very high balance than what i last known it to be the last time i was able to access my account online.
|
| 10/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
PENFED Credit Union Keeps Telling me I need to send them the title in there name Colorado is an ELT state and took the tile. I am not able to get the ELT as State said that is PenFeds Job now they raised my interest to 14 % and now I can not afford the car payment Should I Sue Them ..... I have called them many times in the last week and been told ok yep that is what we need and every time i call back it is not.. I have gone to XXXX and Called they did there job now PenFed Needs to due theirs is what i am being told..
|
| 12/22/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
PenFed promised to give a {$100.00} airline baggage credit every year I have the card. On XX/XX/2019 I made a charge to my card for an excess baggage charge. PenFed did not give me the credit. I paid XXXX XXXX {$120.00} for a baggage fee. PenFed told me to send the proof that this charge was for baggage fees, not something else. I sent the receipt proving this was a baggage fee. PenFed replied with a fake excuse, saying they won't pay for a train station ticket in XXXX. The receipt clearly says XXXX XXXX, Baggage Fee.
|
| 03/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I am a XXXX in the united states XXXX and penfed credit union has restricted my accounts with over XXXX XXXX dollars in cleared ballances acctoss my accounts the credit union has locked my online access without any reason or explanation i call and get the run around then just yesterday i accidentally entered my pen fed card into XXXX and it gets approved i tried to use again and it went back to being restricted penfed needs to unrestrict my accounts immediately or just let me close my accounts and retain my ballance
|
| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, have been a victim of fraud relating to Penfed credit union. They allowed money to be stolen from me and then did nothing except back up the perpetrators.
They lied to you, a federal agency created by the powers of Congress, yet they do not honor or recognize their disdain for integrity in replying to my complaints. Stop their harm and knowing lies and deceit here.
I told them of the fraud, i told them to get rid of these lies and i do not own that asset. I do not insure it and it is not mine.
|
| 11/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt is inaccurate it was a balance transfer. They promised me zero percent for 18 months they started charging interest after 6 month. I tried to dispute the amounts that where charged and incomplete. This was with penfed credit union now this company XXXX XXXX is taking me to court. I have never had any agreement with this company and now they are in the process of taking me to court. They have no right into this because the account agreement was between me and penfed and there offer was 18 months not six.
|
| 10/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Penfed auto loans interest rates for Puerto Rico are higher than the rest of the nation. In their website they have below the rates table an statement excluding Puerto Rico from the table and when I called customer service they are .50 % higher than the ones showed. XXXX XXXX XXXX It is a discriminatory practice since I have a credit score of XXXX which I can be approved as another person from the mainland. I comply with the risk requirements involve in a repayment/risk analysis. It seems like a redline practice.
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : PENTAGON FCU Inquiry : XXXX XXXX, 2021
|
| 10/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2023 XXXX was added to my account, without notice and I was assualted and detained by NSA officers ( irrationally ) in XXXX - XX/XX/2023. I started receiving late payment charges on XX/XX/2023. A check was returned to the issuing bank when depositing money into my PenFed XXXX XXXX ( XXXX ) account on XX/XX/2023. The check cleared when I made the mobile deposit on XX/XX/2023. I made another deposit on XX/XX/2023, and the funds are reflected as available ( except when I try to make a car loan payment ).
|
| 06/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Hi- I went to Penfed CU on XX/XX/2023 to apply for an auto loan with my XXXX. The banker helping XXXX named XXXX asked a colleague named XXXX to help her. XXXX took my drivers license and made comments about my age multiple times in-front of my XXXX and XXXX. She stated multiple times because I am young there may be a chance I will be denied. I am over XXXX. Unfortunately, I was denied and XXXX proceeded to state it is because of my age. I was discriminated against due to my age by XXXX at Penfed Credit Union.
|
| 01/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
PenFed has reported my payment history as 30 days late during the months of XXXX & XX/XX/2021. During those months I had approved skip payments on my account. The confirmation numbers are XXXX and XXXX. In XXXX of 2021 PenFed attempted unauthorized recurring payments from my bank account which looks to have caused a series of rejected payments. Reporting the XX/XX/2021 payment as 30 days late is inaccurate as well. is reporting inaccurate payment history on my credit report. This is all a violation of the FCRA.
|
| 09/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
Pentagon Federal Credit Union obtained my personal and private financial information from XXXX Bank without my consent or a subpoena. Throughout my communication with PenFed, I have been specific in directing any and all investigation to PenFed internally. PenFed 's operatives have violated XXXX XXXX XXXX laws in addition to The XXXX XXXX XXXX. It is clear that Pretexting and deceit was used. This complaint also covers the fraud related to forged documents and criminal practices. Very closely mirrors XXXX XXXX.
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Im filing this complaint due to PenFed Credit Union failure to refrain from reporting information pertaining to my consumer report accounts. I demand they immediately delete the late payment derogatory verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial XXXX and can not obtain access to XXXX because of this unauthorized reporting. I have been denied credit on every application I submitted because of reporting tactics like these.
|
| 04/13/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I opened an account with Pentagon Federal Credit Union on XXXX XX/XX/2022 and a subsequent hold on XXXX XX/XX/2022 was placed on the account by the bank 's fraud department. The following documents were sent to the bank on XXXX XX/XX/2022 to verify identity : 1 ) Photo copy of Social Security Card, 2 ) photo copy of Driver 's license 3 ) Photo Copy of Vehicle Registration.
To this date ( XXXX XX/XX/2022 ), I am unable to access my funds totaling approximately {$15000.00}. I need these funds to pay my bills.
|
| 05/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
|
Since 2018 with documented certified letters, emails, and voicemails, I have tried to get in contact with Pentagon Federal, and they will not return my calls, emails, or certified letters but keep updated my credit reports inaccurately. I have been trying to pay this debt since 2018 but have no access to their online site, and none will return any of my messages. They should not be updating my credit report if they are just going to keep ignoring the consumer, especially when they are trying to pay the debt.
|
| 04/10/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened an account with PenFed Credit Union back in XX/XX/XXXX. I credited the account with a XXXX dollars and never used that account again until today. So since there were no mouvements, they closed the account and sent the money to the previous address I used to live. I was not aware the account was closed. They never called or sent me an email. When I called on XX/XX/XXXX at XXXX, XXXX from PENFED told me they sent the check of {$100.00} to my previous address and I wo n't be reimbursed for that amount.
|
| 08/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
This is an update with new information for a complaint that had been previously filed against Pentagon Federal Credit Union. The new information is an investigation by the FBI and a letter from XXXX XXXX. The FBI investigation shows that my signature was forged on several documents and one promissory note was altered. The letter from XXXX XXXX confirms that they were duped into providing my personal and confidential information to PenFed. A Massachusetts 93A Demand Letter has been executed against PenFed.
|
| 07/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Per XXXX XXXX our credit/owe is $ XXXX. This is for XXXX XXXX installment. We only owe $ XXXX not $ XXXX. We talked to XXXX XXXX on XX/XX/XXXX and explained to them that it's only $ XXXX and XXXX XXXX representative said she will call us back maybe that same day or later to give us update. We call again to check on them on XX/XX/XXXX and today XX/XX/XXXX but no call back. And it's already shown on our credit report .that makes our score went down. Please help. XXXX XXXX are not calling us back anymore...
|
| 10/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2022 a check in the amount of {$20000.00} was mail to my address but not delivered due to some missed information. In XXXX I received a letter stating that due to me not excepting the loan it was now expired. I checked my credit months later and there was late payments showing on my credit report, so I contacted PenFed they said it was an oversight and they will take care of it. In XXXX I received a letter stating that on XX/XX/2022 the issue will take 30 to clear. As XX/XX/2022 there is no change.
|
| 04/03/2016 |
Yes |
|
|
|
Web |
|
|
Today I applied for a PenFed Credit Union XXXX card and was denied. I have good income for years, and my XXXX score is XXXX, and XXXX is XXXX. I am XXXX, however, and I think my last name may be red-flagged by PenFed. Why else would I be denied? I just recently was approved for a XXXX card with a {$6000.00} limit, and a home improvement loan of {$30000.00}. This is unprofessional, and CFPB should look into this. The same thing happened to me at XXXX last year. Something is amiss. And it 's not my credit.
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was op
en, pay status, and loan type. Per 15 USC 6801 it is policy of the congress that each financial institution has an affirmative and continuing obligation to
respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.
|
| 10/21/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
Under the truth in lending act it is required by federal law pursuant to 15 USC 1602 ( v ) to provide me with Material Disclosures ( v ) - The term material disclosures means the disclosure, as REQUIRED by this subchapter ( which is TILA ) the method of determining the finance charge, the balance upon which a finance charge will be imposed and the amount of the finance charge. Per federal law as you can see from the definition I have provided, states it is required you disclose this information with me.
|
| 03/25/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
I opened a joint-owner credit card with the Pentagon Federal Credit Union in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} XXXX XXXX in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and XXXX and PenFed came back with both credit limit as correct and the account is still open. When I called PenFed, they agreed the card was closed but refused to correct their mistake.
|
| 01/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I have filled out 3 separate Hardship applications and still awaiting a solution. Yet they have negatively put this on my credit knowing the hardship. I have called daily to find out what is going on and to see if we have a resolution. But have received no feedback. I last communicated with XXXX and transmitted all the requested documents that apply to my circumstances. I asked If there's anyone that can provide me the status of the application as this is now reporting negatively on my credit report?
|
| 01/12/2017 |
Yes |
|
|
|
Web |
|
|
On XXXX previous occasions such as this, XXXX XXXX has configured software logic into their banking system designed to force me into penalties and interest charges on a 0 % credit card offer by not allowing me to make a transfer or even pay my balance due. After many conversations over the phone I am told that a checking account balance must be resolved before this account may be brought current. These XXXX have nothing to do with XXXX another and should be considered fraudulent behavior by the CFPB.
|
| 07/11/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I received a letter from pen fed credict union asking me for a late payment of {$15.00} dollar late fee cause I didnt pay my credict card from them I called and explain that I dont even know this bank I had never applied for this credict card and they told me that I used this card in Georgia to put gas in a car I dont have a car I live in ny I had never been In Georgia in my life They sent me to the claim department I made the claim twice already but they still sending me letters to make the payment
|
| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2020 I opened a bank account with PenFed Credit Union. At the time I was informed that they would perform a " soft '' credit inquiry that would not effect my credit report negatively. However, shortly thereafter on the same day my XXXX score plummeted. My score decreased 40 points!! This was exceptionally disappointing because I was & still am in the process of repairing my credit. I've written them & have also spoken with the bank 's representatives several times now without any resolve.
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm XXXX XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my XXXX XXXX. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
|
| 08/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
Hello, My credit card company is holding multiple payments Ive made to them. The funds have been drafted from external bank account. So in essence I have a {$2400.00} taken from one bank to pay my credit card at penfed.
This is a huge problem they are now reporting that I am over my credit card limit causing my XXXX score to drop. I have made the payment those funds should be released and new information should be sent to the 3 credit reporting agencies to correct penfeds inaccurate information
|
| 02/18/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On or around XX/XX/2020 I applied for a mortgage refinance with PenFed Credit union. I paid a {$500.00} appraisal fee. PenFed approved my loan, but was not able to close my loan ( through no fault of mine ) within 5-6 months. My credit report expired as well as all my documentation and then PenFed asked me to pay a {$5500.00} re-lock fee because they did not have the staff to close the loan within 90 days. I am seeking a refund of my appraisal so I can pursue a refinance with another institution.
|
| 01/09/2016 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
PenFed wo n't let me do anything with my account. I have {$30.00} in my account. PenFed wo n't allow me to update my address even though I mailed them proof of address and proof of identity. They asked me to call and verify the information on the phone and I did call in, but it still is not updated.
PenFed will not allow me open a checking account with them. PenFed will not allow me to initiate a transfer out of my account. Basically they are holding my money hostage and I have no access to is.
|
| 01/13/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hi, My account has always been set on autopayment with funds being drafted automatically monthly. Something happened where the account was no longer being auto paid monthly that was unknown and unannounced to me. I always assumed that I was making monthly payments.
It was not only when I was trying to buy a house did the lender notify me of this situation. I immediately paid off all late fees and put the payments back on monthly autopay. Pen Fed ( my heloc ) would not remove the late reports.
|
| 03/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Creditor 's Name : Pentagon Federal C. U.
Creditor 's Address : XXXX XXXX XXXX, VA XXXX Creditor 's Telephone Number : ( XXXX ) XXXX Date of the denial : XX/XX/2018 XXXX XXXX Also know as XXXX XXXX XXXX XXXX XXXX Also know as XXXX XXXX XXXX Loan amount {$160000.00} Loan number : XXXX Comparative Evidence of Disparate Treatment : Failure to explained loan procedures for the approval process.
Mortgage protocol that is not cost effective for applicants.
Misleading on the loan protocol process.
|
| 02/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Pentagon Federal Credit Union did not disclose the exact percentage that would be added when converting to a fixed rate loan. This was never disclosed in any verbal nor written communication. The load begins with an introductory rate of .99 % for the first 6 months and then moves to a variable rate loan. What was not disclosed is that to convert to a fixed rate loan they add an additional .25 % as well as 3 % on top of the prime rate. During the application process this 3 % was not disclosed.
|
| 03/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear Sir or Madam : I am a victim of identity theft due to an XXXX credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
|
| 02/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied a credit card with PenFed and was given a bogus reason for denial : " We do not grat credit to any applicant on the terms you requested. '' I called PenFed and they admitted it is a system glitch and asked me to provide a written request to have them re-process the application.
XXXX XXXX from XXXX XXXX XXXX team told me they won't reconsider unless I provide documentation. The problem here is that XXXX XXXX did not take time to read my request and gave me a boilerplate text reply.
|
| 01/23/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
I am XXXX XXXX XXXX.
I filed a complaint number XXXX on XX/XX/XXXX.
PenFed replied on the XX/XX/XXXX.
But as of today XX/XX/XXXX, I have not received the money from my account, as the communication received ( attached ) states they have processed.
I am an XXXX XXXX XXXX XXXX veteran living in XXXX and I have a serious need of this money due to the severe increase in the cost of living.
Please try to help me because both my wife and I have XXXX and we really need this money.
Thank you.
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
PenFed ( Pentagon Federal Credit Union ) has added a 120 days late account to my credit report for an account that I do not even own. Here are the details : reported date : XX/XX/21 account number : XXXX amount delinquent : XXXX payment status : late 120 days I previously reported some fraudulent credit reporting by penfed for payments that I had in fact made and they processed however nothing was done about it. This further highlights their inability to accurately manage their business.
|
| 11/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
! st I did a transfer of funds from my penfed account to my XXXX account XXXX stated that the funds were not available. However the funds were taken from my penfed account and it created fees. I contacted Penfed explained what happen they reversed the fees and told me not to use XXXX to withdraw my money. I than used XXXX XXXX the same thing has happen it was returned for funds not available which is in error. Am unable to access my funds and I know from past history that am being target
|
| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at Penfed and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.
|
| 06/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
Ordered the PenFed Credit Union XXXX XXXX card about a month ago to make a few purchases ahead of overseas travel. Nearly every purchase attempted was declined from XXXX, to XXXX, to various airlines. Had 5+ hours of phone calls with customer support and bounced between various departments. Supervisors blamed me for entering card number incorrectly and then tried to blame vendors for not transmitting the number correctly. Clearly a problem on PenFed 's intake side. Still no resolution.
|
| 03/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I recently reviewed a copy of my credit report on XX/XX/XXXX and XX/XX/XXXX noticed that were unauthorized, inaccurate, or made in error.
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit
|
| 10/15/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
I applied HELOC with Pentagon Federal Credit Union and they start process few months ago and at the end after conditional approval, they told me to submit extra insurance as a second lien and my insurance can't increase my insurance because it is illegal to do so. They still keep sending me email until XX/XX/21 to get extra insurance to give me HELOC. If you need the email correspondence, I can forward to your organization. Please find attached email correspondence for your review.
|
| 07/09/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
PEntagon Federal services my mortgage. They hold my escrow for real estate taxes and insurance. They have not paid my county real estate taxes or homeowners insurance. Both are due in 5 business days. I have called 4 times, with a total hold time of over 2 hours, and no one answers the phone. I have sent 5 emails/contact requests with no response. I have no way of communicating with them, and they refuse to return calls/emails. I will be delinquent on taxes and insurance very soon.
|
| 06/12/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
initial transfer was XXXX XXXX , 2017 ... .sent XXXX + XXXX charge to XXXX XXXX in XXXX ... to XXXX XXXX ... at that end they say the money has not arrived ... I have called penfed credit union, sender of intial transfer at least two ealier times for reason ... .have yet to get a valid explanation why after 11 days account there has not been credited with funds ... called them today and still get runaround ... need cfpb assistance in having this corrected
|
| 12/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I applied for vehicle loan from this company and was denied and company could not give me a factual reason for my denial. They claim I was a high risk with a XXXX XXXX XXXX with over 6 accounts over 2 years with no late payments. I only have one car loan on my consumer report and I was using on trade in. I spoke with several supervisors and no one could give me a straight answer, I strongly feel I am being racially profiled by this bank. This bank really needs to be investigated.
|
| 11/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am an authorized user of XXXX XXXX XXXX XXXX ending in XXXX paid off infull with XXXX balance. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act.
In Addition, Penfed credit Union overdraft is also paid infull with XXXX balance for account ending in XXXX. Not reported by the three credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act.
As a result, my recredit report is incorrect and inaccurate.
|
| 01/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Filed a lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Room 315 Case. A XXXX against me for a XXXX XXXX XXXX debt allegation of {$17.00}, XXXX.
I requested a copy of the original contract from them and all statements showing how this debt transpired from the date of origin to now and they have failed to do so and continues to harass me through the mail and various fake telephone numbers.
|
| 04/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Hello i applied for credit card with PenFed credit union and i informned them of the fruad and identity theft on my credit and they were not fair and made the decision to decline me and use incorrect info that was reported as fruad against my application i have done all i could to send all documents but yet i feel like i was treated unfairly by this credit union and the decision was do to prejudice and wrongful information from XXXX and deeclined me right to establish credit.
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Federal Reporting Act the creditor : Pentagon Federal Credit and XXXX XXXX XXXX has violated my rights under 15USC1681 section 602, wich states that I have the right to privacy. 15USC1681 section 604A section 2 also states that any consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment of a credit card account under an open and consumer credit plan as late for any purpose.
|
| 10/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I sent a notice of debt validation ( as per 15 USC 1692g ) to PenFed Credit Union received by them XX/XX/2022. PenFed sent a response but did not fulfill the validation request and are threatening to post inaccurate and unverified information to the credit reporting agencies. They have repeatedly violated multiple consumer protection laws against my account and have collected unearned interest that I require to be returned to me along with restitution for violations committed.
|
| 11/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
For approximately XXXX weeks I have been unable to access my mobile app with Pentagon Federal Credit Union. Every time I try to access my account I am locked out. I spoke with the Credit Union and they stated there is an issue with the Credit Union IT department and that some customers such as myself is having this problem. They said someone from their IT Department would be calling me but noone has called me to date.
I need to access my mobile app to deposit XXXX checks.
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| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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LATE PAYMENTS In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under : - 15 USC 1681 section 602 states that I "... have the right to privacy. '' - 15 USC 1681 section 604 A section 2 also states that : " ... a consumer reporting agency can not furnish an account without my written instructions. '' - Under 15 USC 1666 B : " ... creditor may not treat a payment on a credit card account under an open and consumer credit plan as late... ''
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| 06/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
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I refinanced my mortgage with PenFed in XXXX 2014. They advertise their mortgage rate offer by saying " we pay virually all closing costs up to {$10000.00} ''. In my loan documents, it said that there is no pre-payment penalty. However, now that I am trying to refinance, they are telling me that I owe them {$1000.00} for the closing costs they paid. This is false advertising!! There is a pre-payment fees!! My new lender thinks this is wrong and suggested I file a complaint.
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| 08/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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XXXX XXXX XXXXXXXX account ending with XXXX Current Balance : {$5900.00} Available Credit : {$0.00} Minimum Payment Due : {$0.00} Due Date : XXXX Closing Date XX/XX/2022 I attempted to pay {$3400.00} towards my XXXX so that my account would close at {$2500.00} still owing and was NOT ABLE TO MAKE THIS PAYMENT. before Credit Card closes on XX/XX/2022. I am getting the attached message. I contacted PENFED customer service and they are not able to make the payment manually.
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| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have a PenFed checking account that I opened and have never used. Today I checked my credit report and noticed that there are three hard inquiries on my report from PenFed. Ive never contacted this company for a loan or line of credit. These inquiries are violating my right to accurate reporting. These inquiries must be deleted as they were not done by me. PenFed can place a security alert on the account if needed as I did not apply for credit from them.
Acct # XXXX
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| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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I am currently trying to buy a house with a different lender and Pentagon Federal Credit Union is not reflecting my XX/XX/2020 and XX/XX/2020 payments from my previous home. I have requested the transaction history which still does not show the XXXX and XXXX payments and I have requested. It is preventing me from being able to move forward with buying a new home with a different lender. I feel as if I am not being prioritized because I am no longer using their services.
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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In XX/XX/2022 Pentagon Federal Creit Union changed their reporting of discharged accounts and then reinserted the accounts, re-aging the reporting. Their action now makes it appear as if a XXXX XXXX XXXX bankruptcy is now from XXXX XXXX. Their action has caused me to be denied credit and to be offered credit erms that would cost thousands of dollars more than had they not illegally re-aged their reporting. Their action caused a decrease in my credit score of XXXX XXXX
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| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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On XX/XX/2022 I received in the mail a new PenFed Debit Visa Card that I never applied for and do not want. I called the number on the back of the card and was asked for my DOB and SSN at which time I hung up. I then went to the internet and found the PenFed website and reached out to their customer service. I was informed that there was no account associated with the card number and expiration date I provided. The card looks very real and even has a hologram and chip.
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| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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Company Response Trade : XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM.. XXXX : PENTAGON FEDERAL CRE XXXXXXXX XXXX THAT THIS ITEM BELONGS TO YOU.
XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable.
Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES : NO!
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| 11/16/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I have spoken to Pen Fed numerous times and filled out paperwork about a charge that was not authorized by me appearing in my account statement for XXXX XXXX in XXXX. Each time I speak with someone, Im told it will be taken care of shortly, but the charge has still not be reversed. The debit card was deactivated almost immediately and a new one issued, but still the money has not been returned to my account. More than 2 months have gone by since it was first reported.
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| 06/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
Older American |
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Scammer pretended to be legitimate company by taking their likeness and hacking into a third party 's email account to receive XXXX payments. The banks and XXXX will not reimburse me the money because they said I was the one that initiated the payments even though I was lead to believe the person was a legitimate business. This happened XX/XX/23 through XX/XX/23 involving two credit unions. The amount fraudulently taken was {$980.00} at Pentagon Federal Credit Union.
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| 06/13/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Older American |
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on XXXX my credit union merged with Penfed ( up ) credit union. I noticed early on a disparity of services between my member flu and Pen Fed.
During mid XXXX I noticed I was not sent a PenFed debit card and was told my existed debit card would expire a couple days after the merger in XX/XX/XXXX.
I was assured numerous times during XXXX I would be receiving a pen fed debit card.
It is XX/XX/XXXX and I still have not received their pen fed debit card STILL WAITING
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| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act PENTAGON FEDERAL CR UN acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.
15 u.s.c. 1681 section 602 A states I have the right privacy.
15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
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| 03/31/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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I went to on to my account after a very long time of no activity due to being under a drs care for XXXX, it was then I saw my account had been closed because someone cashed a bad check with my account. I wrote to Pen Fed disclosing this information and asking them to fix this and instead of doing so they went and sold the debt to a debt collector. This error happened over a year ago this bank purposely sold the debt to cover their XXXX and not protect the customer.
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| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/29/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My debit card had unauthorized charges from another country on it, including : XX/XX/2020 XXXX XXXX PENDING XXXX XXXX I received no fraud alert, I noticed them on my statement. I contacted penfed, they would send a new debit card, void the charges, and credit the fees caused by the unauthorized charges.
I received the new debit card, but I have not been credited for the fraudulent charge, and I have not been credited for the fees caused by the fraudulent charges.
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| 04/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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I paid off my mortgage with PFCU. The transfer actions attached.
However, there is a discrepancy with the payment application.
On XX/XX/XXXX, I paid accrued interest of XXXX ... and then paid XXXX accrued interest for one day from XX/XX/XXXX-XX/XX/XXXX! Further, the transfer amounts do not equal the amount applied to the mortgage leaving a balance of XXXX which should at a minimum be a credit with accrued interest.
When I asked the question of PFCU, silence.
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| 06/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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pentgon federal credit union has sent an account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX stating I owe {$14000.00} i never opened this account, i have never banked with pentagon federal credit union. my wife does, but this account was opened and now showing a debt of {$14000.00} this is fraud. i have filled out the packet for fraud with XXXX XXXX and notarized and sent the information back to them to remove this from my credit profile. This is now pending.
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| 05/26/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
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- Account opening, closing, or management
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Web |
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Case Subject : FAILURE TO PAY PROCEEDS IN A TIMELY MANNER Case Description : MY CD MATURED FRIDAY, XXXX/XXXX/2016. AS OF TODAY 'S MAIL, XXXX/XXXX/2016, I HAVE NOT RECEIVED MY MONEY. ON XX/XX/XXXX I CALLED THEM TO INQUIRE AND TO CLOSE MY ACCOUNT. ON XXXX/XXXX/2016, TODAY, I RECEIVED MY {$5.00} FOR CLOSING ACCOUNT DISPUTED AMOUNT : {$10000.00} DESIRED RESOLUTION : SANCTION OR FINE THEM. THEY HAVE OVER {$10000.00} O MY MONEY TO EARN INTEREST ON FOR THEM, NOT FOR ME.
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| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights.
15 USC 1681 Section 602 states I have the right of privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
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| 06/11/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had a credit card with Pentagon Federal Credit Union that was charged off a few years ago. A year or so after it was charged off, they sold or transferred the delinquent account to a third party. To this day, they are continuing to report a current balance on the account to the credit bureaus. According to Metro XXXX Reporting Guidelines, if they have sold or transferred an account to a third party, they have to report the balance on my credit reports as XXXX.
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| 03/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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I wrote a check to someone. I confirmed with him that instead of cashing the check I would XXXX him. I sent him the XXXX payment and moved funds out of my checking account to my savings account so that the balance would be lower than the check amount and the check would not be accepted. Instead, PenFed authorized an overdraft from my savings account which I never agreed to at any point. I was also charged an overdraft fee of {$30.00}. I want my {$1500.00} back.
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| 03/04/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I was recently approved for a credit card with Pentagon Federal Credit Union. In order to take advantage of the 2 % the card offers members are required to either be in the military service or open a checking account. I was informed by one of their agents that since it has been less than 90 days since they reviewed my credit they would not need to obtain a new report in order to open the checking account. I applied on XX/XX/2017 and they pulled a credit bureau.
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| 06/25/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
Older American |
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I XXXX XXXX XXXX opened up the account in XX/XX/2020 and they sent me a Statement with my Routing number and checking account number and member number, and they still have my account on hold and my money is from : Social Security Administration, Retirement XXXX Insurance I won a Lawsuit in Indiana.And Pentagon Federal Credit Union has frozen my Account and I have not received my money for XXXX XXXX because Pentagon Federal Credit Union has a hold for no reason
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| 04/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with rewards from credit card
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Web |
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I have Penfed Pathfinder Rewards credit card. One of this card 's benefits is {$100.00} incidental airline fee credit per calendar year.
In XXXX I had 2 transactions {$50.00} each from XXXX XXXX for the baggage fee on XX/XX/XXXX and XX/XX/XXXX, but only one of them was credited back ( {$50.00} ).
I contacted the credit card several times about this and they created a case to manually issue {$50.00} credit for the second transaction, but that never happened.
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| 04/23/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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15. U.S.C 1681 section 602 A States I have the right to privacy.
15. U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency furnish an account without my written instructions.
15. U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a country of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
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| 02/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I contacted Penfed and submitted the FTC report to confirm that my account was used fraudulent. I am not 100 % of whom might have used my account but I am only assuming because the bank was pressing me for information. Within 5 days my dispute for XXXX and XXXX XXXX were declined. They said it was declined because I knew the person who commented this crime. I am making a guess as I do not know who could have 100 % done these transactions totaling over 1,000.
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| 08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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have recently obtained a copy of my XXXX credit report. It showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so under section 609, physical signature. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
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| 08/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have inquiries on my credit report on XXXX that does not belong to me from XX/XX/XXXX PENTAGON FCU, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXL XX/XX/XXXX and ive reported this to them on numerous occasions as well as sent in police reports and they refuse to take them off. I also have and XXXX/XXXX account on my XXXX in the amount of {$1400.00} that does not belong to me and is showing that is a late payment from XX/XX/XXXX.
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| 08/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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|
Web |
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I have been trying to refinance a current loan with the same credit union, the process began on XXXX/XXXX/2015 and I am still trying to close ; I have responded to all requests in a timely manner - with the exception of a request for association condo insurance coverage, which finally got resolved. I feel that I am getting the run around and I do n't know why, I am now responsible for charges of over XXXX dollars regardless if the loan is processed or not.
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| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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XX/XX/ I went on my XXXX XXXX site, PenFed XXXX Pentagon Federal Credit Union. In their credit card application, they clearly state, PREQUALIFY WITH NO IMPACT TO YOUR CREDIT SCORE! I applied and before I could even press submit, I was getting an alert from XXXX XXXX about a hard pull on my credit report! I only applied because they clearly stated, no impact on my credit score! I have a screenshot of this company stating the no impact on your credit score.
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| 12/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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I send few weeks back bank statement it shows PFCU received/adjusted the payment for the disputed credit cards but PFCU never took any action about my request. PFCU sold the disputed accounts to XXXX even after they got the payment. So PFCU should contact XXXX and remove those accounts from my name.
Those disputed credit cards was used some one else without my knowledge and i was reported fraudulent activities to PFCU and submitted ID theft documents.
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| 07/11/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
Servicemember |
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On XX/XX/2022 Pentagon Federal Credit Union opened a 5 year Money Market Certificate with out my permission in the amount of {$500000.00}. The money to open the account was taken from my Pentagon Federal Credit Union savings account.
I have asked them several times to close the account and return the money to my savings ( with no fees ) but as of yet the have refused to do so. I did not open this Money Market Certificate nor did I sign for the account.
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| 06/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Paid off boat loan in its entirety on XX/XX/XXXX. As of today, 35 days later, I still do not have access to the title, and the state of Florida is still showing a lien being held by the bank. I have worked with PenFed title and loan services, collateral, and multiple customer service supervisors. As of XX/XX/XXXX, penfed has not offered any resolution to this problem, and advised me to seek legal counsel, rather than work towards an actual resolution.
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| 03/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Pentagon Federal Credit Union forced us to pay into an Escrow account when signing on to our home mortgage, making the bank responsible for paying our property taxes and insurance. Both in XXXX, XXXX and XX/XX/XXXX, our lender has not paid our property tax bills, forcing us to pay while still having to contribute to the Escrow account. Pentagon Federal Credit Union has been unresponsive to our requests to waive escrow given the two notices of error.
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| 04/18/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft and fraud, where there were multiple credit applications for credit cards and loans filed under my name. This account was fraudulently opened without my permission and consent, I request you to remove and close this account.
I have already filed a police report and FTC report, this fraud case is under investigation.
I have contacted three credit bureaus, I have a fraud alert and personal statement in my credit file.
|
| 10/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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Pentagon Federal Credit Union has been trying to collect on an debt that I do not owe for the past two years. I have been a victim of Identity Theft and have tried contacting the credit bureaus and Credit Union via mail and phone to inform them of that. Pentagon has hired 3 companies to collect on this debt and I do not believe that is legal, because I have never given either of these companies to input any information to my personal credit profile.
|
| 09/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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|
Web |
Older American |
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I believe my loan request was denied due to my age ... ..I 've been a member for over 14+ years, and attempted to obtain a consolidation loan ... .that 's key, as I wanted to return to the XXXX ... .the reason given after being put through several loops..it was denied!! I had a home loan that was paid off early, and when I got that, I owed more ... BUT was younger ... ..I was also lied to about a freeze ... no one else had this reaponse..I checked..
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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In accordance with the Fair Credit Reporting Act, this creditor ( PenFed ) has violated my rights under 15 USC 1681. Section 602 states, I Have the Right to Privacy 15 USC 1681 Section 6O4A, Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666-B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 08/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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My auto loan is paid 3 months ahead but 2 months ago the bank decided to set up autopay without my permission. Took out a monthly payment from my account and couldn't refund me the payment back to my personal checking with a different bank. Yesterday they did the same thing but I didnt have money in the checking account so now I have a fee with them and my personal bank again, penfed doesnt want to refund me the fee from my personal bank checking.
|
| 09/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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A fraudulent wire was initiated from my account. I have contacted my bank and after a week nothing has changed. I called back in again and the first call never saw any action. I never received any text alert about a wire charge. I would like funds placed back into my account. Wire was done on XX/XX/19 plenty of time has gone by to fix this problem.
I changed all account numbers changed all passwords to accounts and secured everything on my end.
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Incorrect information being reported. Privacy Act improper use of information. Never informed that I had a right to Opt-Out from my information being shared. The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; Was issued a cease and desist and continued to harass me for 3 months. Have several emails, voicemails and text messages
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
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Inquiry from XXXX on XXXX/XXXX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XXXX/XXXX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX//2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
|
| 02/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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I have called PenFed Credit Union three ( 3 ) times about unauthorized charges on a Visa Credit Card. Each time the Security Department representative states they will credit the charges and investigate the fraud. When I call back or, most recently, after I rec 'd my bill, I speak to the security department representative who states they have No Record of the fraudulent charges or of my call.
My member number is XXXX my CC number ends in XXXX
|
| 01/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
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XX/XX/2018 : Applied for a Used Auto Loan. Loan Amount Requested : {$33000.00}. Loan was denied for Excessive obligations in relation to income ( overextended ). The lender was notified that 2 other auto loans were recently paid off. These same loans were being considered when analyzing capacity to repay. Lender was notified of this. There was no response to this inquiry. Loan decision appeared to be an automatic decision under the Reg B rules.
|
| 12/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Older American |
|
i applied for a penfed credit card..application # XXXX. XXXX hard report pulled fica XXXX penfed requested 2 yrs tax returns for approval. i was not advised of this requirement prior to my application.. i called and requested to cancel my application and remove the hard pull from my XXXX file as it was an errow for their failure to advise me of their policies..i should have been advised of this prior to checking my credit..thank you, XXXX XXXX
|
| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act Pentagon Federal Credit, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 09/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I applied with my credit union Pentagon Federal Credit Union to get pre-approved for an auto loan for {$60000.00} on XX/XX/XXXX. I ended up not purchasing the vehicle and never signed a vehicle contract or take delivery of any vehicle. I went to my XXXX XXXXnline account this evening and noticed that there is an auto loan reporting for {$60000.00} on my credit report. I do not own this vehicle nor did I ever sign a contract for this vehicle.
|
| 06/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a loan with PENTAGON FEDERAL CRE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and PENTAGON FEDERAL CRE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX and XXXX XXXX.
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : XXXX XXXX XX/XX/2021 XXXX XXXX Service XX/XX/2021 XX/XX/2021 Pentagon XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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On XX/XX/XXXX I Have Realized In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX Has Violated My Rights 15 U.S. C 1681 Sections 602 A States I Have The Right To Privacy 15 U.S. C 1681 Sections 604 A It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions or Consent Also There Was A Hard Inqury That XXXX of XXXX Bank And XXXX XXXX XXXX Issued XX/XX/XXXX Without My Knowledge As Well
|
| 02/03/2017 |
Yes |
|
|
|
Web |
|
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When I pay more than the minimum payment, the card company is applying my payments to the XXXX interest balance first then to the higher interest balances only after the XXXX interest balances are paid off. I thought this was against the law. I noticed my higher interest balances were not changing in spite of me paying more than the minimum payments, so last week I finally had someone at the CC company tell me this is what they were doing.
|
| 01/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have fraud alerts on my credit reports and someone is trying to open up accounts on my credit that is not myself and whenever the credit grantor attempts to contact me as instructed on my reports the accounts are not allowed to be opened because I had no knowledge of the attempts. However these inquiries are still allowed on my credit reporting. Please remove them. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Pentagon F C U
|
| 03/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
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An application was submitted in my name to Pentagon Federal Credit Union that I did not authorize. I have called several times and they can not find the application therefore the inquiry remains on my credit. Evidently, they have started an investigation but even after 30 days I have heard nothing back and upon checking in, they advised that it still hasnt been investigated yet and that I need to wait more time. The case number is XXXX.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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PenFed Credit Union reported I made a payment more than 30 days late in XX/XX/. This is not the case and I have the supporting documents. The minimum payment of {$64.00} was due XX/XX/ but the late payment date was listed as XX/XX/. I submitted my payment of {$120.00} on XX/XX/XXXX as reflected on my XX/XX/ statement. Clearly I did not pay 30 days past the due date and in fact paid by the date PenFed stated would be considered late.
|
| 10/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!!
They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!!
They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!
|
| 08/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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XXXX has been non-compliant with removing the unverified account PENTAGON FEDERAL CRE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PENTAGON FEDERAL CREwas not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 10/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I Received my credit report showing a inquiry from Pentagon Fcu from XX/XX/18 that I applied for an credit card. 3 years ago I was a victim of identity theft where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score. The item is inaccurate, misleading, or incomplete, may have violated federal law.
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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In accordance to the fair credit reporting act this creditor has violated my rights; under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions on the 15 USC 1666 b a creditor may not threat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 03/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
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I have contacted PenFed several times due to issues with my account e.g.Complaint ID : XXXX and Complaint ID Number XXXX, FTC # XXXX ... I mailed Pentagon Federal Credit Union, XXXX XXXX XXXX, XXXX, NE XXXX, and called XXXX and emailed XXXX requesting for my account to be dissolved in case of XXXX XXXX and accounts removed from my report. PenFed did not provide a decision/ response to my request for debt forgiveness due to XXXX.
|
| 10/24/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
|
I have home equity with pen fed I have noticed that interest rate has going Down well over four months ago and I am ben charge 5 % for my loan I have call the Company two month ago n a month ago I was told interest rate will go down back every three months so I was told my rate will go down this month XXXX and now is XXXX I am still getting the statement The rate 5 % Can you help I think this Company is very Misleading the public
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I contacted Pentagon Bankcard on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX.
Per 15 U.S.C. 6802 and CFR 313-Privacy
of Consumer Financial Information . I have not gotten a response from this company and they continue to report my
personal information to third parties.
|
| 11/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
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I didn't see the exact option listed for my complaint. But I've notices several unauthorized inquires on my XXXX credit report that wasn't made by me and here is the list with the dates attached and I need them removed.
pentagon fcu XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
|
| 11/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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XXXX has been non-compliant with removing the unverified account PENTAGON FEDERAL CRE which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PENTAGON FEDERAL CRE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 09/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
For some reason I kept paying my credit card with an old account and there was no way for me to remove it online ( which the customer service agent confirmed that I can't do and has to be done my management ), so I was paying my monthly payment from the wrong account not realizing it. This caused me to have a late payment on my credit report and I have never been late with Pentagon Federal Credit Union or any account in years.
|
| 07/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with PENTAGON FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and PENTAGON FCU with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX, XXXX and XXXX I am getting the run around with no type of help
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
|
| 05/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
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Was suppose to get XXXX points on fuel purchases for every dollar, pen fed claims XXXX XXXX where fuel was purchased did not put in the right code. There were XXXX fuel stops from XXXX to XXXX. Anywheres from {$850.00} to XXXX. I could understand if it was a couple of them that did not put in the right code but all of them. Spoke with them and just for a XXXX time courtesy they will give me XXXX points on XXXX gas charge.
|
| 05/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
I applied for a credit card from Penfed when they sent me an ad saying I'd been pre-approved, However I was denied the card primarily because a credit-report from XXXX shows a Serious Delinquency according to their letter of XX/XX/20 Ref No. XXXX. However the report is either incorrect and/or Penfed is incorrect because I've downloaded the report from several credit reporting outfits and there are no such delinquencies.
|
| 01/10/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
PenFED is my mortgage and XXXX XXXX. They failed to provided XXXX XXXX XXXX when requested in 2022 and most recently falsely advertised the offering of natural disaster loans. XXXX XXXX XXXX PenFED was notified of a natural disaster that has caused significant damages and losses to my property but told me by phone on XXXX separate calls that they do not offer the 7.99 % natural disaster loan offered on their website.
|
| 12/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
penfed closed my account and wont give me my money back for a fraudulent check written they said no error was found here is the issue i never ordered checks from penfed and they know this and i can prove it, they lied and will not provide how they found the error, im requesting a handwriting sample of proof its mine, XXXX i live in XXXX utah and not nevada, ftc report was filed due to identity theft. PENFED IS A FRAUD!
|
| 07/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED Companies listed below are reporting accounts obtained thru identity theft PENFED FCU
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
|
| 06/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I have sent cease and desist letter registered mail which was received by PenFed Credit Union on XX/XX/2023. I also sent a money order/bond that was received on XX/XX/2023.
My personal property was repossessed XX/XX/2023, but stated they couldnt find my mail I sent registered mail.
I do not consent Penfed to give my personal information to another company and the repossession company was not in contract with me.
|
| 01/11/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent The Pentagon Credit Union an Notarized Affidavit Of Truth stating multiple violations via certified mail on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX Pentagon Credit Union received my Affidavit Of Truth. As of now I'm demanding a response and seeking my remedies which is owed to me from Pentagon Credit Union. In the attachments below is my Affidavit Of Truth and exhibits that back up my Affidavit Of Truth.
|
| 03/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I tried to come to an agreement with the bank XXXX XXXX. I wrote, emailed called and sent letters they just charged off my account and submitted it to collections. I submitted disputed with XXXX to no avail. This my last hope to be able to get this resolved and try to fix my credit. I never not wanted to pay on the contrary I had always paid on time and fell on hard times but I still wanted to come to an agreement.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
In accordance to the fair credit reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have to be right of privacy.
15 USC 1681 Section 604 A section 2i it also states a CondumeT reporting agency Can not furnish a account without my written instructions.
15 USC 1666B : A Creditor a payment On a credit card account under a open end consumer Credit plan as late for purpose.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2019 I sent a letter to Pentagon Federal ( XXXX ) to remove a fraudulent account from my XXXX Credit Report, but they never did. Also I did not received an answer. I live in XXXX, XXXX and I believe someone, with the following address ( which also appears in my credit report, and is not mine ) : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Use it to open an account in my name in the above mentioned institution.
|
| 09/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Applied for debit card w open checking acct. on XX/XX/XXXX, XXXX.Have sent over ten notices to pen-fed cu telling them about the missing debit card, still no debit card or response. I need to use this card for purchases & should have recvd it some 3 1/2 months ago. Also I needed to make 5 purchases w it within 90 days for their bonus offer. Which will now to be extended another 90 days, once I recv the missing card
|
| 01/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received XXXX emails on XX/XX/2022 as if I had opened an account with the Pentagon Federal Credit Union. The emails were requesting verification in order to open the accounts and receive tax information electronically. I have changed my email password and tried contacting the bank but the phone service requests my DOB and full SSN- I chose to hang up before providing any of that. I am unable to speak to a human.
|
| 01/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
My PenFed Member Number is XXXX. After speaking with the membership services department at Penfed, and as per the advise received, on XX/XX/2019 I requested Penfed to add me as a joint borrower to three different PENFED accounts. My email request dated XX/XX/2019 and its attachments ( three pages ) are again attached herewith. But these accounts are not yet being reported to all Credit Reporting Agencies ( CRAs ).
|
| 07/08/2015 |
Yes |
|
|
|
Web |
|
|
It appears my ex husband opened a credit card with my name on it without my knowledge. The card was opened on XX/XX/XXXX. It states clearly under where I would sign that I was not available due to I was XXXX. I was never XXXX. Also, my date of birth is wrong on the application. This credit card is showing up on my credit report. He continued to use the card after we were divorced on XX/XX/XXXX maxing the card out.
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights Under 15usc1681 section 602 states I have the rights to privacy 15USC1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written information Under 15USC1666B a creditor May not treat a payment on a credit card account under a open and consumer plan as late for any purpose
|
| 08/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I XXXX XXXX entered a consumer transaction with PENFED CREDIT UNION in XXXX of XXXX. I never asked them to send me a bill. In XXXX of XXXX they sent me a bill, in this bill were FDCPA violations 15 USC 1692b ( 2 ) using symbols and profane language, 15 USC 1692j ( a ) using deceptive forms to make me believe I owe a debt. and violations in TILA 15 USC 1602 ( p ) unauthorized use, paying monthly on a credit card.
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I called Pentagon in XXXX and XXXX. I put a fraud alert on all my accounts and changed all passwords because someone tried to open accounts in my name. No ID or anything was summitted on my behalf to open an account. I personally called to close the account when i got mail sent to my house about this Bank. I tried disputing through XXXX but its still coming back as verified and I did not submit any applications
|
| 04/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Had a refinance over a year ago on vehicle I purchased in XXXX with original lien holder XXXX. Refinanced for lower rate last year with PenFed. They have added atleast XXXX dollars to my loan and all kinds of predatory fees. I have missed no payments. Should ha e been finished with loan in XXXX at latest. They've added 2-3 more years to my term. Loan # XXXX XXXX XXXX XXXX
This is a predatory, rip off company
|
| 01/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.
|
| 03/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Tried to reach Pentagon Federal C U with no success. They are trying to charge extra fees on payoff ( refi ) of their first mortgage on my home. These " fees '' ( " release '' and " recording '' ) were never revealed when we signed up for the mortgage, and we were told we could prepay the mortgage at any time without a penalty. These supposed " fees '' are simply penalties ( and income for them ) in disguise.
|
| 11/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In accordance with the fair credit reporting act Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
|
| 07/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act at XXXX AccounXXXX XXXX XXXX has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
15 USC1666B : A creditor may not treat a payemnt as an open end consumer credit plan as late for purpose.
|
| 04/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
So I have an Account with Penfed credit union. It was opened two years ago. I allowed my sons Unemployment to be deposited into my account. Then the instuition placed holds on my account. After two years nothing has came back to the account placing it negative. And im still unable to retrieve the funds.
I just want the funds thats in the account and let the account be closed.
Penfedaccount # XXXX XXXX XXXX
|
| 01/24/2024 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They have called and left a voicemail to a person I share a home with. on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I submitted a request on their website to not contact a specific phone number. They proceeded to call that number. I called them today and told them to not contact that number anymore. They did not confirm they will stop, and proceeded to attempt to get more information out of me.
|
| 08/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The company Pentagon Federal Credit Union is reporting to the bureaus accounts I know nothing about. I have been trying to have this information deleted because it was in fact of part of identity theft. I have never owned nor had any accounts with the mentioned company. Listed on my bureau as Pentagon act XXXX and the other has no account number at all. This is and has been damaging my creditworthiness.
|
| 09/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
Hello, I have been disputing this for years now. I'm requesting something with my signature on it. Every time I ask for something, they send me an old credit card statement. I would like to put this on record that this should not be on my credit report and it is causing lots of damaging. I was advised to make this clear for when I seek help. THEY are not showing me how to are proving this account is mine.
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| 02/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with customer service
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Web |
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Over the last several years I had informed Pentagon Federal Credit Union at least XXXX times to opt out my account from sharing my information with PenFed 's affiliates and third parties and from marketing. However, recently I started to receive additional marketing solicitations from PenFed ( I am attaching XXXX such solicitation ). It appears that PenFed does not honor customers ' requests for privacy.
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| 02/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I was denied application for credit with PENFED credit union and received a denial letter on XX/XX/2020.On XX/XX/2020.I received another denial letter dated XX/XX/2020.I NEVER reapplied for credit or asked to be reconsidered.I don't care what PENFED will say but I NEVER asked to be reconsidered.They did this without my consent and violated the FAIR CREDIT REPORTING ACT.I don't know why they would do this
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| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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i received an email from XXXX XXXX about an unknown credit card from Pentagon FCU added to my accout with unexpected amount on XX/XX/XXXX, XXXX this is when i came to know about this fraudulent card added to my report. ive filed a dispute with XXXX XXXX and XXXX to investigate and fix the error.
i would like this to be investigated and fix the issue as soon as possible. i am a victim of identity theft.
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| 12/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Delay in processing application
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Web |
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I contacted PENFED credit union by sending them a cease and desist letter, I currently am only receiving SSI and can not afford to pay them back. I am being Harassed by this company as they call me everyday twice a day. This is causing me a lot of stress and anxiety. I can not pay them back and my case work informed me that my income is also garnish proof. I am reseeding a cease and desist letter today.
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| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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IN ACCORDANCE WITH FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
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| 07/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I AM A VICTIM OF IDENTITY, THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX ACCT # XXXX THIS ACCOUNT WAS PREV IOUSLY INVETSIGATED AND REMOVED THEY SOLD IT TO ANOTHER COLLECTION AGENCY.
CREDITORS OR COLLECTION AGENCIES IF THEY TRY TO RE AGE YOUR ACCOUNT BY UPDATIND THE DATE OF YOUR LAST ACTIVITY ON YOUR CREDIT REPORT WITH THE HOPES OF KEEPING NEGATINE INFORMATION ON YOUR ACOUNT LONGER.
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| 08/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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PenFed denied my recent [ XX/XX/XXXX ] home equity loan application without providing a reason. I 've continually asked PenFed to review and provide documents from the first equity loan application that was approved in XX/XX/XXXX, so that I can compare its data with the recent equity loan application that was rejected. Currently, I have " XXXX '' balances on all credit accounts that I have with PenFed.
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| 11/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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Someone tried to open either a XXXX XXXX Credit Card or XXXX XXXX Savings Account under my name and/or SSN on XX/XX/2021.
Someone tried to open a XXXX Credit Card under my name and/or XXXX on XX/XX/2021.
Someone tried to open an XXXX XXXX Credit Card under my name and/or XXXX on XX/XX/2021.
Someone tried to open an account at Pentagon Federal Credit Union under my name and/or XXXX on XX/XX/2021.
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| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT. I HAVE SENT NUMEROUS REQUESTS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT PROFILE. THE COMPANY IS NO LONGER IN BUSINESS, I HAVE NO IDEA WHERE THIS FRAUDULENT ACCOUNT HAS BEEN SOLD TO, I HAVE SENT NUMEROUS REQUEST ALONG WITH POLICE REPORT, NOTARIZED DOCUMENTS TO HAVE THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT.
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| 04/14/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
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Web |
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I wanted to transfer, on Pen Fed CU website, money from our checking account to IRA account. The IRA account was not available for transfers. I called and ask why it was not available. I was told that this kind of transactions is prohibited by law - because of reporting requirements. Is there a law/regulation that prohibits electronic transfer of money into IRA account form checking/savings account?
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| 07/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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Web |
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I receive a pre approval credit card offer for {$12000.00} from penfed. I applied and was declined due to many accounts open in a short period of time. Which is fairly false and requested to have my application reviewed and reconsidered. They lady I spoke to advised I had to send a hand written letter which makes zero sense. Please review my application and reconsider my application. XXXX ID : XXXX
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| 11/26/2021 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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I mailed an XXXX to Penfed Credit Union over a week ago. Each time I call I get the runaround regarding my deposit into my checking account. I was told last week the funds would be deposited into my account. I have Covid-19 bills to pay along with rent and have received a 3 day notice. Since the check has been issued by my attorney we plan on taking the case to Federal Court if not resolved today.
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| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have a loan with Penfed federal credit union, this loan was set on AUTO pay, when i realized there was a late pay reported on my credit I called them and they told me they attempted payment and it didnt go thru, no one called me no phone call, no emails, no mail letting me know my auto pay was removed. I spoke with a representative and she was able to withdrawl late payments from their records.
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| 02/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
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|
Web |
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On XX/XX/2022, I applied for a credit card with PENFED. I received a letter from the company stating that I was denied an extension of my credit for reasons listed in the attached letter. According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
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| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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TO WHOM IT MAY CONCERN I WAS JUST A CO-APPLICANT ON THIS LOAN. THIS LOAN IS SHOWING A LATE PAYMENT AND IT'S DAMAGING MY SCORES. I SPOKE WITH SOMEONE AT THIS INSTITUTION AND THEY AGREED TO REMOVE THE LATE MARK SINCE THE ACCOUNT WAS NEVER LATE. I WOULD LIKE TO HAVE THIS ACCOUNT 100 % REMOVED FROM MY CREDIT FILE BECAUSE I AM NO LONGER RESPONSIBLE FOR THIS ACCOUT. THIS ACCOUNT HAS BEEN PAID AND FULL.
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| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
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|
Web |
Servicemember |
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My husband and I purchased a home in XXXX, 2020. We have reached out to PenFed multiple times to inquire why our mortgage is not showing on our credit report. The representatives have stated they do not know how to escalate this issue. I was able to reach someone today who stated she would open a ticket but could not provide a reference number. Our mortgage needs to reflect on our credit reports.
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| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I am writing this letter regarding payments that were marked as late by your company for the following accounts and dates : Account Number : XXXX, Late Payment Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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Called creditors with fraudulent inquiries on my report namely XXXX as well as the Bureaus. The creditors do not show any accounts with my name and XXXX will not remove the inquiries. They want the creditors to provide me with a letter which they are stating they can not provide because I do not have an account. I did not apply with XXXX XXXX XXXX XXXX, Pentagon FCU, XXXX XXXX or XXXX XXXX XXXX
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| 05/17/2022 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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I deposited a check in the amount of {$11000.00} on XX/XX/2022, the payment came from XXXX XXXX XXXX XXXX for the purpose of paying my rent. PennFed placed a freeze on my account and asked me to send documents to verify my identity. I never received a letter for this decision, I found this out after several calls.
After submitting documents I've still been unsuccessful withdrawing my funds.
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| 04/01/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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|
Web |
Older American, Servicemember |
|
Had launched complaint about Pedfed Credit Union, they responded with false information to me that can be proven with documents provided to me by PenFed Credit Union. Stating my payments were adjusted to {$990.00} after insurance was dropped in XX/XX/XXXX, but I have records ( Example ) showing on XXXX XXXX XXXX my payments was {$990.00}, and at beginning of my Home Equity Loan was {$990.00}
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| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PENTAGON FEDERAL CR UN. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.
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| 12/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have filled out a financial hardship form and explained my situation with the company. I sent it via fax XX/XX/2018. On today XX/XX/2018 I got notification that Penfed pulled my credit report without my authorization. They are further damaging my credit by adding a hard inquiry. This company needs to be stopped. I do not want to be contacted by phone any longer as they call excessively.
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| 05/22/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
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|
Web |
|
|
I try to manage my accounts with PenFed Online. However, the system is always not working and I am unable to do transfers and sometimes log into online banking. I also can not complete check withdrawals with online banking and I need to call or chat with an agent. Lastly I can't even order an ATM card from a customer service rep without having to print out my own form and send it over.
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| 02/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
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My Penfed Credit Union Debit card was compromised on XX/XX/2020 and I was issued a new card. But the fraudulent charge ( {$13.00} ) from the transaction still remains on the account. I have been calling Penfed customer service for several weeks now, but the agents I have talked to haven't done anything. Penfed also has issues with their phone lines where the call drops all of a sudden.
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| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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XXXX Pentagon Federal Credit Union reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes.
I've included Two PDFs ( s ) showing the inquiry and showing Pentagon federal Credit Union Removing the inquiry
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| 08/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
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Someone fraudulently Opened Line of Credit Account on mane that worth of {$500.00}, Checking and Saving Account. The Bank name is XXXX XXXX XXXX this Account was opened XX/XX/2022, the Bank Address and phone number is.
XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I already called pentagon Federal credit union and they said they will close the Accounts and the Accounts are still Open.
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| 10/13/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been trying and working with Pentagon Credit Union for the past few months, and I even contacted them through the lawyer who closed my mortgage with PenFed when I refinanced it. They say the made a mistake but never reply or contact and have placed an incorrect credit report on my account causing my credit score to go down. It has been very painful and they dont seem to care
|
| 07/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
|
I have a loan with XXXX XXXX XXXX, PENTAGON, XXXX XXXX, XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and XXXX XXXX XXXX, PENTAGON FEDERAL CR UN, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
|
| 10/01/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Confusing or missing disclosures
|
|
Web |
|
|
I am writing to challange the payment status that is currently being reported on my closed XXXX XXXX account #, [ XXXX ], which is listed on my credit report. I have recently reviewed my credit report and noticed that this account is reported as having an outstanding balance, despite the fact that it was closed. It should be listed as closed account after the first delinquency.
|
| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My name and social security number got into the wrong hands through a contact of my son 's ( he is house bound and has several cyber contacts ).
This was a scam and the perps. are using my info. to open and close accounts.
I am working with my credit bureau - but they don't seem to have an answer as to how I can keep these people from opening and closing accounts in my name.
|
| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied for a PenFed Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION.
THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
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| 04/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have a loan with PENFED Credit union for a vehicle that was stolen. I pay the loan each month but PENFED has reported fines on my credit for no longer keeping FULL COVERAGE insurance on a stolen vehicle I do not have. They call me twice daily, email me, and mail me. I do not owe them anything but the loan which is never late as it is automatically withdrawn from my account.
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| 10/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I asked to skip a payment because I had car issues, the granted me the wish, when I made next payment of XXXX, none went toward loan what so ever, they never mention this to happen, I also asked them to lower interest rate from XXXX percent to something more manageable, was told could not, I either want the money back I paid that did it go for loan, it out it toward the loan
|
| 06/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
1. Identity Theft PENTAGON Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft PENTAGON Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Im on a joint auto loan with my girlfriend and when she decided to refinance with XXXX, they ran her credit ( of course ) but my credit as well without my consent.
Now, I have a double entry on my XXXX report from Pentagon FCUa company I never even heard of.
Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?
|
| 12/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
my credit limit was once XXXX dollars. i have been paying on my card for a long time. i think pentagon closed my card improperly and did not notify me properly to get legal representation in my matters. I do n't think my account should have been closed for late payments and i have been paying on the card for over 10 years and it should be reopened without having to reapply.
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing this due to non-complaince with the CRA ( XXXX, XXXX, XXXX ).
They have failed to remove information that was affiliated with personal details that w ere chalenged in a past.
I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off account.
|
| 12/02/2015 |
Yes |
- Prepaid card
- General purpose card
|
- Overdraft, savings or rewards features
|
|
Web |
|
|
I was issued a {$50.00} prepaid debit card through a rewards program with Pentagon Federal Credit Union. The card expired XXXX with none of the money ever spent. I am now being told by the phone number on the card ( XXXX ) and PenFed rewards program ( XXXX ) that none of them are able to refund my money or issue a non-expired replacement card. The rewards card # is XXXX
|
| 09/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Three times I have received a call from XXXX XXXX XXXX about a debt that I have, I have explained why at the moment I cant pay, and that I am working on solving the issue but they continue to say they are going to freeze my bank account, that I will be seen as a criminal if they file a civil case, that I will have to way to support my kids because I will be a criminal.
|
| 04/27/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
PenFed denied me for a credit card. I have a XXXX credit score, they said because i have applied too many times, their site was kicking back my login several times, and I thought it was not taking my application, so I continued trying to apply due to this technology hicup, i only was trying to apply one time. I dispute their decision based on me applying to many times.
|
| 12/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Credit application was submitted in my name. Without my knowledge. As a result credit inquiry was added to my consumer report. I have contacted Pentagon FCU on several occasions. The following date of inquiry was XX/XX/XXXX. I filed a police report XX/XX/XXXX due to identity theft and have been trying contact all companies that have had a credit application in my name.
|
| 12/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
ATTACHED TO THIS COMPLAINT IS A IDENTITY THEFT POLICE REPORT REGARDING UNAUTHORIZED INQUIRIES. WHEN I CONTACT THESE COMPANIES, THERE ARE NO OPENED ACCOUNTS IN MY NAME. SOME WERE CLOSED DUE TO FRAUD. I AM SUBMITTING MY POLICE REPORT PER THESE COMPANIES REQUESTS. SEE ATTACHED. THIS POLICE REPORT HAS NOT BEEN ALTERED IN ANYWAY, IT IS AUTHENTIC FROM THE POLICE DEPARTMENT.
|
| 08/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX XXXX XXXX, XXXX XXXX, and PENTAGON FEDERAL CR UN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and PENTAGON FEDERAL CR UN with no successful resolution. There was definitely an error on their part.
|
| 11/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) there was an ACH glitch that occurred to Pentagon Federal Credit Union that created duplicate ACH transactions. This lead to me having overdraft fees and return payment fees. The payments as of XXXX XXXX have still not reached my creditors and the funds have been taken out of my account without my debts being taken care of.
|
| 03/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Penfed Credit Union refused to accept nor post payments made by the buyer of my vehicle multiple times since XX/XX/2022. Therefore my loan remains active as Penfed continues to charge daily interest and continues to deduct the monthly payments. Penfed reps have not been helpful and refuse to remedy the situation since the loan is still active. This is predatory.
|
| 12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
PenFed loan was opened in my name. It has been active for roughly XXXX months. I only noticed there was a fraud loan in my name after I saw my XXXX XXXX drop XXXX points in one day. I have reached out to PenFed and am getting minimal responses back over the last XXXX months.
I have filed a police report, contacted the credit bureaus and PenFed in this matter.
|
| 01/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt allegations was remove and place back on my credit report which is in violation of 15 usc 1681 I ( 5 ) b resertions of deletion. Also according to 15 usc 1681 i7, I will like proof of steps taken to verify this account. They creditors is also in violation of 15 usc 1681 ( b ) furnishing false information to credit reporting agencys without my permission
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
I am a victim of credit fraud on XXXX accounts that I did not open. Avant lending, Pentagon Federal and XXXX XXXX XXXX XXXX insurance was applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit report.
|
| 06/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I went to XXXX XXXX XXXX XXXX in XXXX, NC, yesterday, XX/XX/2020 to shop for a new truck. They ran my credit and I said if it didnt look like they could do it, we didnt want to try, but today there are 6 inquiries on my report. I had no idea that they would all show up, especially since we only went to one dealership and didnt ask to run it multiple times.
|
| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
|
Web |
|
|
Pen Fed Credit Union repossessed my car without providing any communication. The employee that I spoke with was under the impression that my vehicle was repossessed in 2017. I received know notification about the car being repossessed prior to it being taken. Pen Fed continues to violate federal and state laws. My federal lawsuit is filed with the courts.
|
| 04/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
Because my phone number changed I am u able to make payment or access account. I believe this is a ploy to enable PenFed to charge late fees. The credit union should be able to verify me by phone and update my phone number as requested..I attempted to use their secure method but after trying for an hour it will not accept documents I am trying to provide.
|
| 01/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Older American, Servicemember |
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XX/XX/2023, Some time ago I applied for and was accept for a PenFed Credit, they require {$10.00} dollars to finish the application; so I sent them XXXX dollars and they send me a credit card ; only to require more information after I was approved, but I was sick and was unable to send the rest of the information. Now the refuse to return my XXXX dollars.
|
| 11/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
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I applied and got approved for a credit card on XX/XX/XXXX. Now it's been three weeks. I still haven't received my credit card. I contacted customer service many times. Their response is always there's been a delay in card production process. I need to get my card as soon as possible, otherwise I won't be able to complete the spending requirement on time.
|
| 09/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
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I filed a dispute for fraudulent transactions with Penfed Credit Union. It was for ALL transactions made at XXXX in the month of XX/XX/2022 as I lost my wallet in the store for a period of time.
I am not able to see the transactions as a new card was ordered but the fraudulent transactions are still on my account and they should be removed immediately.
|
| 04/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I called to close my Penfed XXXX card on XXXX I was told the {$95.00} annual fee would be reversed. The company closed the card but left the annual fee. I was not notified until the XXXX billing statement. I called Penfed on XXXX The agent seemed surprised this issue was occurring. I was told it would be fixed and have yet to see the balance be updated.
|
| 09/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident. It was opened on XX/XX/2018
|
| 02/01/2020 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I applied for a VA loan during the week of XXXX 2019 for a refinance with pentagon federal credit union. I submitted every document they asked for that I could send them. It took them three months to tell me they could not give me a va loan. Is there due process or time line they should meet? I can not shop around for another loan and not hit my credit.
|
| 11/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
Pendfed this week double paid all the bills I paid and then took the money back. Which in turn didn't pay my bills. Also they charged me over draft fees. They gave the fees back. But all the bills I paid says they didn't get paid and they are charging me return fees and late fees. Which pedfed is not taking responsibility for nor offering to credit me.
|
| 06/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below.
PENTAGON FEDERAL CR UN ( ADDRESS : XXXX XXXX XXXX XXXX, VA ) : Allege Amount Owed {$1200.00} I have No knowledge of this accounts.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I never gave consent pursuant as defined in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) & 15 USC 6802 ( b ) ( 1 ) to disclose share, or furnish my private, nonpublic personal information to any consumer reporting agency.
Nonpublic personal information is defined as transactions and experiences pursuant to 16 CFR 313.3 ( n ), ( o ) ( 1 ) & ( 2 ) ( i ) ( B ).
|
| 12/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
On XX/XX/2021 I received an alert about a hard inquiry on my credit from Pentagon FCU ( Federal Credit Union ). This was not authorized by me or anyone in my family. Nor did I ever speak to anyone at this bank about a loan. I have contacted the bank to no avail and I've submitted a complaint to XXXX with no results. This is fraud and it needs removed.
|
| 09/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Recently while defrosting my credit to apply for loan for a land loan my credit was breached by someone opening a checking account and depositing XXXX in my account XX/XX/XXXX which was done with my address and social security number with PENFED CREDIT UNION. This was not me.
Thank you for help and assistance to secure and protect me as a consumer.
|
| 02/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
Recently, I was denied an extension of credit by Penn Federal Credit Union on XX/XX/2022. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Penn Federal Credit Union has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
|
| 01/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My account was blocked and they didnt notify my at all so when I tried to access my account it was blocked they also are holding my entire employment check causing extreme hardship and now I have no power because I cant pay my bills without my paycheck that they are holding Ive called the repeatedly to resolve this issue and they refuse to fix it
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello I looked at my credit report and on XXXX it shows that I have 2 hard Inquiries from Penfed on XX/XX/XXXX of 2020 and XXXX XXXX of XXXX. I never authorized these hard inquiries. Please remove these inquiries from my credit report or provide proper documents including my signature where I authorized these hard inquiries. Thanks for your time.
|
| 07/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In XX/XX/XXXX, I received an approval letter for a XXXX deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being XXXX days past due, XX/XX/XXXX being reported as XXXX days past due and XX/XX/XXXX being reported as XXXX XXXX XXXX XXXX
I want this lates removed off my consumer report.
|
| 01/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
PenFed has broken the law pursuant to the TRUTH-IN-LENDING ACT, EQUAL CREDIT OPPORTUNITY ACT, FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTIONS PRACTICES ACT. I have been denied credit which is against the law pursuant to the Equal Credit Opportunity Act. I have been denied my right to my open ended credit plan pursuant 15 U.S.C. 1602 ( ( j )
|
| 03/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
Someone opened an account with PENFED Credit Union under my name last XXXX 2015. I found out about this this past XXXX. I have called PENFED 6 times, faxed them my police report 3 times and have yet to hear from them with any followup from the Fraud Dept. I am very concerned that there is no follow up or concern for resolution with this issue.
|
| 10/25/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
Due to getting out of the military in XXXX I had file Bankruptcy XX/XX/XXXXandXX/XX/XXXX ask Pentagon cu for several loans toHelp me along with my credit but they constantly give meThe runaround saying I am not egible for another loan fromThem until I payoff my discharge loan from 33 years agoI would you to look into this matter for me please.
|
| 02/03/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
PenFed notified me they do not have to lower interest rates and pay back interest over required by LA SCRA since they are not in Louisiana and loan was not applied for and transaction was not done in LA.
I am in the XXXX and when I moved to Louisiana with orders requiring me to move here they are the only bank that did not abide by the law.
|
| 02/25/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My escrow account has a surplus of over XXXX dollars and I have been unable to initiate a new mortgage escrow account analysis from Pentagon Federal Credit Union. Repeated calls to PenFed and requesting escalation of my request result in no action taken. Appreciate your assistance in helping me resolve this matter.
Sincerely, XXXX XXXX XXXX
|
| 11/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I wrote a letter to the President, XXXX XXXX. In the letter I requested that all my accounts be closed, and my remaining funds be mailed to me via certified check. I also attached an original notarized identity verification form, a copy of my Arkansas driver 's license, a copy of my social security card, and a copy of my 2022 W2 tax return.
|
| 03/08/2016 |
Yes |
|
|
|
Web |
Older American |
|
I signed for an upgrade to a 6 cylinder car from XXXX XXXX for an additional {$140.00}, but I did not get a 6 cylinder car. They gave a 4 cylinder Corolla. I asked XXXX for a credit to my credit card, but they refused. When I complained to Penfed Visa, my credit card company, they refused to give me a credit without a credit memo from XXXX.
|
| 03/29/2021 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
we made a debt consolidation loan with Penfed to pay off XXXX XXXX loans back In XXXX. Our first payment to Penfed was due and so was our XXXX XXXX payment. As of today, the XXXX XXXX loans have not been paid off. Someone is holding onto that money, and collecting interest while we are having to make 2 payments now to avoid any late fees.
|
| 12/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
|
| 11/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report.
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
|
| 01/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company told me that they would do a soft pull to do a pre approval on an Auto Loan. They lied. They hard pulled my credit and then lied about it again when i called to get clarification. Only after i talked to a manager did they admit to hard pulling my credit report. They lied and negatively affected my credit score because of it
|
| 05/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
The company has locked my card 10 times now in the last two months and then when I try to verify my charges, the card won't unlock and then I have to call the bank and wait on hold for an hour. This has been beyond insane and I need to pull my money out of there. This is just one of many issues that leads to them withholding our money.
|
| 03/07/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On two occasions, I transferred US cash funds from my checking account and/or savings account to a new product called, Online Savings Account, and my transferred funds were not available for 10 calndar days to two weeks. I contacted the Pentagon Federal Credit Union to make these funds available immediately and they refused to do so.
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I contact PenFed FCU XX/XX/2023 after getting alert of hard inquiries i didnt authorized or consent to the rep explained that a letter is being sent to credit bureau to remove the inquiries but the credit bureau have to do it. I was told a confirmation email has been sent to me with confirmation to remove inquiries it still nothing.
|
| 06/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I conducted a transfer from an account to which I was added as an authorized user ( unbeknownst to me ). I advised Penfed after I looked deeper into the matter. I was then questioned as to where the funds came from and was advised that my accounts would be closed. I was not provided with details after an investigation was concluded.
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXXXXXX XXXX still has my car information on my credit report. It was paid off by my insurance company They also have a repossession on my report when in actuality my car was totaled. They also reported 30 and 60 day lates on my credit report while i was in the hospital. After I told them that my car was totaled. They were paid off
|
| 02/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I applied for the XXXX over draft line of credit that I was pre approved for. I have a XXXX credit score and little debt and they decline me for no reason since I was pre approved for the over draft. I believe there was a XXXX component or my account has been flagged for some unknown reason. Either way I was discriminated against.
|
| 11/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
i have sent XXXX XXXX certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature on XX/XX/2018. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted.
delivery comformation XXXX
|
| 11/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I am unable to close my account. I have submitted all verification documents requested, but Penfed request that I call a number for additional verification. I would like to know what additional verification is needed to close my account. I need this response on record and not over phone, due to PenFed responses not being governed.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
WHILE I WAS IN XXXX XXXX, SOMEONE OPENED A FRAUDULENT ACCOUNTS UNDER MY NAME. THE XXXX XXXX AND THE PENTAGON FCU ACCOUNTS ARE FRAUDULENT, I NEVER OPENED ACCOUNTS I NEVER USED THESE ACCOUNTS. THESE ACCOUNTS ARE FRAUDULENT, I NEED XXXX XXXX AND XXXX XXXX AND PENTAGON FCU TO UNDERSTAND THAT I AM A VICTIM, THESE ARE NOT MY ACCOUNTS.
|
| 08/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Penfed Credit Union is claiming I have a balance of nearly {$8000.00} for credit cards I have never opened up with them. I do not have these credit cards and it is clearly fraud. I have reached out to them several times, including having an attorney write them and they are still trying to make me pay for it. This is not my debt.
|
| 11/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
pen fed credit union reported on XX/XX/XXXX that my personal line of credit had a balance of XXXX when I paid my loan in the amount of XXXX on XX/XX/XXXX which was before the due date. I do not understand why incorrect balances are being reported. this is the second time. this is unfair to customers who pay their bills on time.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have an inquiry on my account from penfed, there was a mistake made where I was trying to look at offers and it submitted my application instead, I spoke with penfed they ask me for my credit report so they can fix it which I gave them but it is still on my report, can you please help me take this off my report, thank you
|
| 06/26/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Loan application filed in XXXX. In XXXX appraisal schedule and all required document uploaded after appraisal by customer. Penfed closed the file of loan and by themselves in XXXX without notified customer and and in XXXX now refusing to refinance with the same rates which was locked and asking to refinance at higher rates.
|
| 06/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
|
| 11/05/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have contacted Pentagon Federal credit Union three times in an effort To eliminate the PMI on my mortgage.
I submitted an online request XX/XX/2020.
I wrote a letter XX/XX/2020, And my final letter was dated XX/XX/2020.
I am attempting to ask Pentagon Federal credit Union how the PMI on my home loan can be eliminated.
|
| 10/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
I applied for a loan and was denied the benefit.in the process my name birthdate and social security number was used. I was discriminated against because of my credit report. The law states that an applicant can not be discriminated against for any reason and in the process my identity was used and I received no benefit.
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
the company shared my information with another company without my consent. obtaining my credit information and personal information such as date of birth and social without my authorization. I found out when XXXX sent an alert about my credit history.
XXXX XXXX shared information to XXXX XXXX without my authorization.
|
| 10/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently obtained a copy of my credit report from XXXX report. It indicated that ( 3 ) credit inquiries were made by your company. However, only one was authorized by me the ( 2 ) other inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries, and have them removed from my credit report.
|
| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
XXXX XXXX PENTAGON FCU XXXX XXXX XXXX
|
| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PENTAGON FEDERAL CR UN
Contact XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX
HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $5000 THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 08/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX, PENTAGON FCU, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX, PENTAGON FCU, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
|
| 04/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report.
Pentagon Federal Credit Union XX/XX/2018
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX PENTAGON FCU XXXX Balance XXXX XXXX
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am submitting a complaint regarding my Pentagon Federal Credit Union Credit Card Account number starting with XXXX with a 30 Day late reporting. I do not recall being late and according to my research dealing with late payments, because of COVID 19 and The Hero's/ Care 's Act, this should have not been reported.
|
| 10/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
PENTAGON FCU Contact XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$10000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 05/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I'm a victim of identity theft and I didn't apply for anything with Pentagon.
Where's the copies of the signed docs that were filled out when I supposedly applied for an account? Please provide me with all written documentation within 15 days or this is a violation and you must DELETE it from my credit report.
|
| 01/09/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XXXX Thanks for allowing me to finally view the card statements through your response from the previous CFPB complaint listed above. After reviewing the statements I see that there are billing errors I did not authorize any of the highlighted charges. see the attached documents This is a billing error dispute.
|
| 07/24/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
opened account with pen fed credit union cuna ins attempting to take money repeatly opened account with XXXX dollars just want to close account and my XXXX dollars they say they need to send security code to XXXX mail when i opened account it no longer exists please help do not want anything to do with pen fed
|
| 02/05/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
PENTAGON FCU XXXX ACCOUNT NUMBER OPEN DATE XX/XX/XXXX BALANCE DATE XX/XX/XXXX ACCOUNT STATUS XXXX PAST DUE XXXX COMMENT TRANSFERRED I AM DEMANDING VALIDATION FOR THE ABOVE REFERENCE NUMBER PLEASE PROVIDE A FULL ACCOUNT LEDGER AND A CHAIN OF TITLE FOR THE THIS DEBT THAT IS BEING REPORTED ON MY CREDIT REPORT.
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There was a account open in my name win Pend last year. I send a dispute letter and a Id theft affidavits about a month ago and I havent heard back from them. Account still reported to my credit report. Did a fraud report about some one stole my Id and personal information. And they still havent resolved.
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 U.A.C 1681 section 602 A. states i have the right to privacy.
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 06/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Someone asked for loan to a XXXX XXXX XXXX in my name for solar panels, XXXX for {$35.00} I don't have any solar panels, I already expained to them and they want the payment, I made a report to the credit companies : XXXX, XXXX, and XXXX but they said they have the contracts and if I want hire a lawyer.
|
| 07/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I happened to look over my credit report, and received a report from each credit bureaus stating I owe PenFed. Acct # XXXX. It states the account was charge off, but I never received a 1099c from PenFed. I been trying to get a XXXX099c from them to insure the account they accusing me of is charge off.
|
| 11/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Trouble using the card
- Trouble using the card to spend money in a store or online
|
|
Web |
|
|
I have a {$100.00} debit card. I tried to use it before but transaction couldn't go through. I tried to call them to resolve this issue and they just told me, the card expires yesterday and all the {$100.00} inside the card is expired, they couldn't do anything about it, which is very unreasonable.
|
| 08/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have tried to work with this company several times with absolutely no help. Whenever I call either get someone with a horrible attitude or hung up on. I keep receiving letters and do not mind paying what we agreed but no one will call back or work with you yet they keep updating my credit report.
|
| 05/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a loan with PenFed.
I have paid off the loan. The loan company keeps charging Insurance cost, and refuses to properly refund. I am so sick and tired of this company. They have been a total nightmare to work with. If you look at their XXXX rating, you can see that have many negative reviews.
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I applied for a loan with pen fed credit union they said that I had XXXX score I checked my score is XXXX and I can prove it so I feel they slandered my name and they should be held accountable in my eyes for slander and the unfair loan act if you have any more? please let me know XXXX XXXX XXXX
|
| 04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have received a notice of a hard inquiry by Pentagon FCU on XXXX XXXX however I did not authorize this inquiry. I have made no attempts to open an account with them and this is unauthorized. I have tried to contact them several times but I get no where as no one seems to know what is going on.
|
| 09/06/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
Please review my checking and savings account for any unauthorized deposits and withdrawels.From this day forward no one is authorized to use any of the credit of XXXX XXXX XXXX .This only applies to the direct deposits from the Veterans Administration that are deposited into the above accounts.
|
| 03/07/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Penfed XXXX " XXXX '' refused my online payments after many months of successful payments stating my payment was " ineligible at this time '' because I had vehicle loan with Penfed that went into default.
Penfed refused to take payment for my mortgage because I was late with my vehicle loan!!!
|
| 08/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX entered a consumer credit transaction with PenFed Credit Union on XX/XX/2021 in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. PenFed Credit Union overcharged me and violated my consumer rights.
|
| 07/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/XXXX penfed credit union added {$5300.00} to my auto loan for " premium insurance '' I've uploaded my insurance proof to the provider they told me too and they keep telling me they have not received it but I have the confirmation that it was uploaded and they will not remove the XXXX
|
| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2018, I applied for a car loan with Pentagon Federal Credit Union. They did three inquiries on the credit bureaus for the same application. Such inquiries are decreasing my credit scores with all three bureaus. I have done disputes, but none of the bureaus have been able to fix it.
|
| 07/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX company dont want remove account in my credit report.I was a victim of fraud, I was in prison from XXXX to XXXX and the creditors do not want to eliminate accounts on my credit report, they do not want to comply with the law. accounts that I never applied and do not belong to me.
|
| 01/31/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
PENTAGON FCU is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections.
( PENTAGON FCU XXXX )
|
| 07/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
PedFed is the finance company and XXXX XXXX XXXX is the car dealership. Finance company claims that I have a loan with them, but I never signed documentation for a car loan. I have requested a copy of documents from wet signature and have not received them. Request made over 120 days ago.
|
| 12/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
XX/XX/2022 XXXX calls to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They said I had XXXX cards which I did not and even had charges on the XXXX card. I did not use the other card as rates were too high. They even charged me for not using the card after I had it cancelled in XX/XX/2022.
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
On XX/XX/2020 two dispute and validation letters was delivered to the company via USPS Certified Mail # XXXX / XXXX. Reviewed my credit report 45 days later which showed the reporting of my accounts as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 ).
|
| 04/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
On XXXX I was sent a PENFED Visa Debit card that I never applied for. Someone used my name and personal identifiers to open a fraudulent account. I called PENFED and closed the card. PENFED said that they would have someone from their fraud department get in touch with me within 15 days.
|
| 08/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
With Penfed Credit Union, I had a credit card account, line of credit, and a car loan. I had let the credit card and line of credit default as I am on a debt settlement plan. They have since charged off these 2 accounts and have disabled the ability to pay my car loan as a retaliation.
|
| 02/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I recently tried to deposit a check in the amount of {$23000.00}, however Pentagon Federal Credit Union ( on XXXX seperate occasions ) refused to deposit the funds into my checking account as requested. I can only assume employees at this bank chose to do this simply because I'm XXXX.
|
| 03/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am filing a complaint cause there is an account reporting on my credit that was opened due to fraud. I have tried to resolve the matter directly with pentagon and have not been able to get the account removed from my file my social is XXXX i am attaching a copy of my police report
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX has violated my rights 15 U.S.C. 1681 Section 602.A States I have the right to privacy.
15 U.S.C. 1681 Section 604.A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions
|
| 07/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
Estimated date : XX/XX/2020 As XXXX war veteran I don't ask that anyone treat me better or different, but the same, with dignity and respect. When I contacted PenFed Credit Union to open an account, I was not treated equally or given the same chance to participate in the products.
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I do have a fraudulent hard inquiries on my XXXX Credit Report. There are total two fraudulent hard inquiries on my credit report. I have been contacted to the company and they never help me, they told me to contact the Credit Bureau.Please help me to remove those hard inquiries.
|
| 07/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE ATTEMPTED SEVERAL TIMES TO HAVE PEN FED CREDIT UNION REMOVE MY NAME AS AUTHORIZED USER THAT I NEVER GAVE PERMISSION TO BE ADDED TO I HAVE FRAUD REPORTS ALL 3 BUREAUS AND THIS IS AFFECTING MY CREDIT AND I WANT ALL 3 BUREAUS UPDATED IMMEDIATELY AS THIS ACCOUNT IS DELETED!!!!
|
| 10/16/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A settlement agreement was reach and meet. Balance was paid in full for lesser amount. Creditor is still reporting delinquent on credit reports, and reporting the wrong amount. I've disputed this account multiple times to XXXX and Penfed credit union keeps saying it's correct.
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
XX/XX/2023 Pentagon Federal Credit Union reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. Ive disputed this account several times and requested that they remove the account in accordance with fair reporting act codes.
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
PENTAGON FCU - XXXX XX/XX/2022 I talked to a representative at PENTAGON FCU XXXX XXXX about this issue that I saw posted on my credit report and they told me they understand this error and would have this hard inquiry remove from my credit report due to invalid authorization.
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 11/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I have contacted the company via mail certified on numerous occasions regarding this fraudulent auto loan. They keep verifying illegally a fraudulent account opened in my name and ssn to the credit bureaus. They also are refusing to respond to my mail asking for information.
|
| 10/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Some of the credit inquires on my report were not authorized. I have been in contact with the companies and credit reporting agencies regarding this matter. Credit reporting agencies told me to contact companies and the companies told me to contact credit reporting agencies.
|
| 09/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
It or identity was stolen go back as far as XXXXto currently also have my bank account lock out due this situation and it XXXX dollars and didn't receive taxes for XXXX XXXX and miss 3 stimulus checks want my funds in my account release and send out new checks from stimulus
|
| 05/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I called PenFed a bout an inquiry on X/XX/2017 and was told to send a copy of my credit report to the proper department as it was confirmed I did not apply for any products on the inquiry date. I have not heard back and the inquiry has not been deleted from my report.
|
| 09/02/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Ive been Charge with over 12 Overdraft fees since COVID 19. I tried to resolve this matter with the bank but each time I speak with a representative Im being told something different. I became unemployed and it seem as if thats when the bank started to take fees from me.
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/2023 and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
PENFED CREDIT UNION POSTED AN OPEN LINE OF CREDIT ON MY CREDIT REPORT XXXX XXXX AND NEGLECTED TO SEND ANY INFORMATION TO ME ON CREDIT APPROVAL AND I HAVE NOT BEEN ISSUED A CREDIT CARD SINCE I DISCOVERED THIS ACCOUNT ON XXXX XXXX WHILE REVIEWING MY BANK STATMENT ONLINE.
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
Pentagon FCU offers free credit monitoring following an opt-in. However I am not trying to opt-out, and they have no method to do it. I've contacted customer service, who started a back office ticket. The back office was unable to disconnect me from credit monitoring.
|
| 08/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Older American |
|
Pentagon Federal credit Union has placed several accounts on my credit bureau that I never applied for. I am a victim of identity theft, These accounts are not mine. A hacker used the personal information he obtained on the XXXX XXXX because of the XXXX Data Breach.
|
| 10/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I had a Student Loan with PenFed and got my life changed and became a handicapped person that makes no income for ever due to XXXX XXXX XXXX. I requested a loan cancellation three times and they disagreed regardless of Medical Evidence and Availability from Doctors.
|
| 04/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
I have reached out to the creditor on multiple occasions asking for assistance. I am struggling due to being XXXX with XXXX. The creditors response ... ..lowering credit limit to a few XXXX dollars above balance, charging fees and refusal to accept partial payment.
|
| 07/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Someone opened a Pentagon Federal Credit Union Credit Card and Personal Loan in my name back in XX/XX/XXXX. I have contacted the credit union many times I have multiple police reports and FTC reports.
XXXX has removed these 2 accounts but XXXX and XXXX have yet to
|
| 09/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.
|
| 08/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX is currently reporting that I owe {$3400.00}. In which I do not this account does not belong to me. I was not properly notified of this account. I was just made aware of it after updating my Credit report.. this is a direct result of identity theft.
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Theres an account open on my credit report. I opened a ticket with a XXXX asking for the creditor to provide validation, they failed to do so, and refused to remove the debt from my credit report. I currently have a case # XXXX with XXXX asking them to remove it.
|
| 05/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I filed the police report against fraudulent activity on credit card, the police report was filed on XX/XX/2022 and I received the official copy on XX/XX/2022, I called your fraud department and left a voicemail at the phone number XXXX, but I haven't heard back.
|
| 10/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I contacted the bank that my loan was through and told them I was having financial issues. They offered me two skip payments. They did not hold up their end of the bargain and repossessed my vehicle and refuse to help find out what happened to my skip payments.
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Pentagon Federal Credit Union is reporting to Credit Bureaus fraudulent information about a Credit Card account that i never had. I talk to them numerous times but still reporting to the bureaus that damaging my credit file and preventing to get new credits.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Pentagon Federal has been reporting a couple accounts on my report. the porblem is i never used them. i do not know how these accounts were created, but they need to be deleted. this is detrimental to my credit and the plans for my family. i need this fixed.
|
| 07/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with PenFed and they admitted that the 30 day late payment should of never been reported.
|
| 04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
We had a chapter XXXX bankruptcy in 2012. The account was discharged in bankruptcy and no longer on wage earner plan. It should not even be there. Even though account is closed, they are now reporting late payments on wage earner plan. It lowers my score!
|
| 02/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I have had my credit card with Penfed for 2.5 years and the credit limit has been stuck at that the starting limit. I have tried to apply for an increase and was get denied even though I have perfect credit. I believe they are discriminating against me.
|
| 12/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Older American |
|
Never told me bills was due. Signed up for email alert.Never received. They sent me a bill past due in the mail.I did receive a call a few days ago to call them. Tried it, they just advertise for different kinds of loans.Cant get a person on the phone.
|
| 04/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
The bank changed the configuration of the account, resulting that I was unable to process online payments to de overdraft account. The bank without any advice closed my account during crisis times on pandemic of COVID-19. They are a bad credit union.
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.
|
| 01/24/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Somebody opened an account in my name without my permission. I notified the bank and they refused to assist me unless I provided more personal information, which I was not willing to do considering there was fraud involved in opening the account
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
Three companies made a hard inquiries on my credit report on XX/XX/2023. Pentagon FCU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The number that was listed for XXXX was XXXX but their mailbox was not set up. The other two was not listed on the report.
|
| 03/26/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Someone might have used my name, phone number and email address to open a savings account with PenFed Credit Union. I called the bank and they could not confirm how that happened. I would like to report this incase it affects my credit score.
|
| 11/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of ID theft. as a result there is are negative balances on my credit report. {$13.00} XXXX on XXXX {$3500.00} on XXXX I obtained a police report submitted to all credit buerals no effect they don't believe me. please help
|
| 02/13/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Pentagon Federal places a 6 day hold on deposits that are made to a Premium Savings account even though the funds deposited were transferred from a Pentagon Federal checking account owned by the same person that are already collected funds.
|
| 09/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2015.
|
| 02/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I try to make a payment on a branch and was closed. I call them to make the payment woth debit card on my overdraft and they dont want to take my credit card. Generating a overdraft fee of {$30.00}. They dont want to return my {$30.00}.
|
| 12/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Continuation of existing complaint. On XX/XX/2021, Penfed made, unauthorized, improper and fraudulent change to my auto insurance and placed themselves on my auto policy as financer of the auto with improper loss payable information.
|
| 08/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX XXXX has called me at least three times this week I told them that this is harassment and I was going to take action and wanted the calls to cease. They have never sent me an invoice or letter telling me of this debt.
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Several SCRA Federal acts have been violated. The time of having the card I was on a contractual assignment with the XXXX XXXX. PFCU is reporting incorrect information to third party credit bureaus damaging my financial reputation.
|
| 11/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
my card was stolen and used about a month month and a half ago they credit some charges but still have me charged for over 2000k i should have a XXXX balance i called today to tell them they forgot charges they told me to call back
|
| 07/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I have put my normal spend on my credit card. Credit card company decided to not pay rewards since they are labeling it Account Abuse / Misuse and Fraud. This is not the case. I believe they are doing this to just not pay rewards.
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was on the PenFed credit Union website just browsing for auto refinance prices.I found an offer clicked continue to view terms and fees just to get an estimate and my credit was ran and a XXXX point inquiry on my credit report.
|
| 10/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I was trying to open a Free Checking with PenFed Credit Union and they refuse to open it with no explanation. I tried online and it will not let me and no one will give me a reason as to why I can not open the Checking account.
|
| 09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
PenFed is reporting to inquires on my credit file that I did not authorize. I have a fraud alert set up on my credit file and I did not receive a call to verify any information. Therefor I did not authorize theses inquires.
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My credit report shows an inquiry because you guys put it on my credit report without my consent. I need these item removed. I have already made a police report that follows this. I did not approve, sign or authorize this.
|
| 05/17/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was stolen on XX/XX/16. And my social security number has been compromised and debt has been acquired and reflected on my credit report. A police report was made. I Would like these debts removed immediately.
|
| 11/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
|
On XX/XX/2021 I received a cover letter and a check for {$3600.00} thanking me for taking out the personal loan. However, I never applied for the loan nor was I aware of this loan. I am unsure, but it feels like a scam.
|
| 12/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I needed a new bank account for myself as a US citizen but I keep getting denied approval from some banks. I cant say if it is discrimination or there is something from about me applying for an online checking account.
|
| 01/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
Their answer is totally unacceptable. They owe me about XXXX dollars.
They are charging me interest w/o explaining why. And calling it Converted Balance. I believe I have a right to know what they are charging me for.
|
| 01/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Servicemember |
|
i been on hardship because havent work in some months, so penfed closed my account and now sending this letter about suing me with their lawyers.i have reach out to them about this account to keep it in good standing.
|
| 02/04/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Pentagon Federal Credit Union Mortgage has added an {$11000.00} Prepayment penalty to my loan that I am now attempting to refinance. There charge goes against the original contract which stated no prepayment penalty.
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hello, I have two hard Inquiries from the same reporting agency. PENFED credit union, the one in XXXX XXXX is the accurate one but I have another one from the same credit union on XX/XX/2022 which I don't recognize.
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have disputed these accounts on my XXXX credit report that belongs to another person multiple and transunion says they will remove and has not removed it. It does not belong to me. Im a victim of identity theft.
|
| 08/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have submitted information and spoke to managers @ XXXX and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
|
| 05/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Filed for bankruptcy
|
|
Web |
Older American |
|
I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018..
I did not receive it.
May I have a copy of the application filled out online to get this credit card?
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Payment History is incorrectly reported. My credit reports state that I have not made a payment to the account since XXXX of 2022. This is incorrect. I have attached my payment history from the company website.
|
| 10/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have contacted them numerous times. I have emailed all documentation. Nobody responds or has contacted me. Meanwhile fraudulent account is opened under my name and ssn and nobody has done anything to help me.
|
| 05/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
I was trying to get {$20000.00} of personal loan from penfed credit union. In fact, it has been approved in application process but I received letter that my credit score showing as XXXX dated on XX/XX/2021.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I seen some fraudulent inquiries on my credit report and would like to have them removed XXXX Inquiry : XXXX XXXX, XXXX PENTAGON FCU-XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
|
| 10/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
Denied loan based on excessive obligations in relation to income. What is the formula on debt to income, and if you are looking for bill consolidation loan, whats the drawbacks to that to lower obligations?
|
| 10/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Its not a dollar amount I looked on my XXXX XXXX report and I believe someone either tried to or have opened an account in my name because pentagon federal credit union is on my report and I never did that.
|
| 04/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I had a inquiry that showed up on my credit report, I found out via a alert from XXXX.
I have not applied for any cards with XXXX XXXX This inquiry is adversely effecting me and trying to get a car loan.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
INQUIRIES ON MY XXXX REPORT DO NOT HAVE AN ACCOUNT WITH THE COMPANY, NOR HAVE I APPLIED FOR CREDIT WITH THESE LENDERS.
XXXX. XXXX XXXX XXXX DATED XX/XX/XXXX XXXX. PENTAGON FCU-XXXX DATED XX/XX/XXXX 2022
|
| 02/16/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
Pentagon federal credit union applied fees to an account which was never used. Then closed the account for non payment. I even paid the fees. Now my credit report is showing derogatory remarks. Please fix
|
| 12/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Pentagon Federal Credit Acct # : XXXX...
Balance is inaccurate. Should show XXXX Balance Information is inaccurate Dates are Inaccurate Mixed up with Ex-Wifes account Please show XXXX Balance or remove
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Open NO KNOWLEDGE OF SUCH ACCOUNT WHILE I WAS SICK WITH XXXX XXXX XXXX FOR A THIRD OF THE YEAR, NO CONTRACT, NEVER WENT INTO A BANK TO OBTAIN ANY LOAN
|
| 11/17/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
This company has been leaving me voicemails treating to sue and have criminal charges brought against me.
They are trying to collect on debt that i received a XXXX from, which is also against the law.
|
| 08/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I feel taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its immediate removal from my credit report.
|
| 09/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
A large payment ( {$10000.00} ) was made to Pentagon Federal Credit Union that they acknowledge receipt of on XX/XX/2021. As of today, XX/XX/2021, they have not credited to the payment to the account.
|
| 08/25/2015 |
Yes |
|
|
|
Web |
|
|
Penfed credit card, which offers membership rewards for all the purchases has not been updating my rewards balance since XXXX of this year. I called them multiple times, but the issue still remains.
|
| 12/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I had my identity stolen and someone had tried to open new accounts and made hard inquiries under my name without my permission.
XXXX XXXX XXXX XXXX XXXX Pentagon XX/XX/2018 XXXX XXXX XX/XX/2018
|
| 10/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Ive tried time and time again to get this removed off my credit it keeps reporting as if the account is still active. It's destroying my credit. Im having serious problems obtaining new credit
|
| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I opened my Credit report and found unauthorized inquiries on my report. I don't know where they came from and I have no knowledge of them. Please correct this error.
Thank you
|
| 03/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was in a financial hardship last year. As a result, I have late payments that was unpaid to you. But to ensure that your company incurred no losses I promise this wont be happening again.
|
| 01/07/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
PenFed offers a hardship package, but does not honor it. I submitted their own paperwork TWO TIMES plus I appealed. I submitted many, many documents of proof, plus IRS advocate case worker.
|
| 06/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.
|
| 04/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
penfed bank i open my account online with then 3 weeks ego i can not access my money after i wire then the money pass 5 days the block my savings account, no respond i try call no answer
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
|
| 12/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I bought a car from XXXX XXXX back in XX/XX/XXXX. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Account on my credit report that I have no knowledge of its Reporting as a charge off with a balance as well this is hindering my credit profile and effecting my credit worthiness
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Pen fed credit union did and hard inquiry on my acct when i only did a pre qualify the website says no impact to credit but they did a hard inquiry which made me lose XXXX XXXX
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I applied for a mortgage loan. I was told my score did not qualify. I challenge the creditors and was told I had to deal with the credit bureaus. I had to have a certain score!
|
| 01/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
ON XX/XX/2022, I SENT IN MY FTC DOCS AND DISPUTED THIS ITEM BUT THEY SAID ITS MINE BUT I REQUESTED THE PROOF AND VALID INFORMATION THAT SHOWS THAT THIS IS MINE BUT NO ANSWER.
|
| 12/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
XXXX 2022. {$39.00} charged several times for items they did not pay for. I asked for a waiver they said no and would not pay item. But still charged {$39.00} several times
|
| 10/04/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Private mortgage insurance (PMI)
|
|
Web |
Older American |
|
The mortgage was paid down to well below the required 78 % XXXX and the response from the lender that my loan XXXX not qualify to remove PMI without certain requirements??
|
| 03/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
A XXXXXXXX XXXX used my name and social security number and add me as a cosigner on a loan and filed XXXX XXXX I contact the bank, and they refuse to do anything about it
|
| 11/11/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I applied for PenFed credit card because of 0 % APR promotion and they still charge me for interest fees even though I was promised for 0 % APR promotion upon signing up.
|
| 10/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Pentagon federal credit Union ran my credit and I never have applied for a credit union. I live in Arizona there isnt one here. Someone is using my social security number
|
| 02/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I am the primary holder for account # XXXX I requested my wife to be remove as AUTHORIZE user and PENFED AND XXXX refused to removed account from my wife 's credit report
|
| 02/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
This credit card was applied for without my consent.
Pentagon Fcu XXXX XX/XX/2023 Please remove this inquiry as soon as possible as it is negatively impacting my report
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Contacted 6 times regarding incorrect reporting. I have never received verification of account. Disputes just marked as closed without verification or correct updating.
|
| 06/28/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
The lender unjustifiably denied credit application on the grounds that the lender could not verify the income, although, all the documents were submitted well in time.
|
| 09/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Multiple Hard Inquiries were made without my consent or incorrect dates and followed credit bureau instructions to reach the lenders but they havent been able to help.
|
| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
After reviewing my annual credit report I noticed a hard inquire that I never approved Pentagon FCU on XX/XX/2017. I attempted to reach creditor and was unable to
|
| 06/15/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They just called my mother and left a voicemail, and I 'm not even sure how they legally obtained her phone number since it would only be listed on my phone bill.
|
| 08/05/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I have made arrangements to pay off the {$3200.00} that is owed. I do not owe {$12000.00} because the car was returned. I know longer have possession of the car.
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am not an authorized user on this account, they will not remove it, i have no card, no charges, no account all i see is XXXX on the end of the account showing
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
penfed credit union have in corrected on my credit report i owed this company not anything please have penfed to corrected that balance on on my account # XXXX
|
| 10/28/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
Pentagon Federal Credit union took money from my account to pay their credit cards. My accounts not to be touch because the funds in it are for dissabilities.
|
| 01/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
The debt collectors call me and my employer 3-5 times a week. This is extremely excessive and I would like it to stop. They have no right to call my employer.
|
| 08/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I am trying to payoff my account the rep is refusing to give me overnight address. I am not asking for specific account information just general information.
|
| 05/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 06/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Received debit card with number to call for an account I never opened. Number provided for bank customer service busy for over an hour. Penned Credit Union.
|
| 03/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Pentagon Federal Credit Union was removed from my credit file about 3 years ago. At this present time the credit account is appearing on my file once again.
|
| 05/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was an authorized user on a pen-fed credit card I am no longer an authorized user, XXXX refused to remove account from my report after 3 attempts /dispute
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Per the FCRA, as a federally protected consumer, unauthorized inquiry violates 15 U.S.C 1681b permissible purpose as well as the Privacy Act of XX/XX/1974.
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These inquires have been added to my credit report without my authorization XXXX XXXX XXXX XXXX, 2022 I disputed them and they remained on my credit report
|
| 08/30/2021 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Received notification of Credit Denial dated XX/XX/XXXX for XXXX XXXX XXXX. Reason listed states Excessive Obligations.
Requested a 15 year VA Home loan.
|
| 07/08/2016 |
Yes |
|
|
|
Web |
|
|
I had XXXX credit cards with Pentagon Federal and they have reaged this account to make it appear longer on my credit report. This is a blatant violation.
|
| 12/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a hard credit pull from Pentagon Fed Credit Union. I never applied for a card with them and did not authorize them to pull my credit report.
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Somebody fraudulently opened a credit card in my name at a credit union I have never done business with. Im disputing it on my credit report as well.
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hard inquiry on my credit report Pentagon FCU XXXX XX/XX/22 I have no idea how this got there this is something fraudulent on my credit please help.
|
| 08/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
I had a crewed several hundred thousand miles on PenFed travel card only to find they expired them without giving me meaningful and apparent notice.
|
| 05/06/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
XXXX XXXX used a predatory lending technique to get me to run my credit. I would like him to contact the credit bureaus and redact my credit check.
|
| 08/20/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
Having to submit & resubmit documents to Pentagon Federal Credit union because of totally incompetent " Contracted-out '' loan processing personnel
|
| 04/29/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Company wrote off auto loan as bad debt and a charge off but is still attempting to collect money from me when they have already been reimbursed.
|
| 01/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Penfed arent sending the required by law, account statement. This situation caused uncontrol of my finances and a lot of charges on my overdraft.
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Per 15 USC 1681c-2, this is the statement that the information identified is not information related to any transaction made by me the consumer.
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize Pentagon Fcu-XXXX to pull my credit on XXXX XXXX XXXX I did not authorize XXXX to Pull my credit. I clicked on an Add XX/XX/
|
| 08/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
i was never in the military so i can not apply for a pentagon federal credit card i never lived at the address that associated withthis account
|
| 11/30/2016 |
Yes |
|
|
|
Web |
|
|
I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within XXXX days as required under the FCRA.
|
| 04/06/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft
|
| 12/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
I have tried many times to set up my mortgage on autopay. Penfed does not allow it anywhere on the website despite recommending it.
|
| 06/10/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
PENTAGON-BANKCARD IS OPENED FRAUDULENTLY, IHAVE ASKED XXXX NUMEROUS TIME TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
|
| 07/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I never applied for any account with this company and I have reach out to them to have the incorrect info removed but no response.
|
| 08/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Refuses to send updated account information to my account management services daily. Allowed to verify account but doesnt update.
|
| 02/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I make a deposit on a branch date XX/XX/2019 and dont receive an official receipt of the transaction. They are very bad people.
|
| 12/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I was charged {$8700.00} for XXXX coverage and they shopped around for the most expensive policy they could find at my expense
|
| 02/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have an unauthorized credit inquiry on my XXXX from Pentagon Federal Credit Union dated XX/XX/2017 that I did not authorize.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
still reporting wrong should be discharged though bankrupcy from penfed 3 accounts. If not fix i am going though legal action
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
i paid my loan, the creditor went report an inaccurate late payment on my credit report i want them to remove it immediately
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
An institution with name PenFed Credit Union had made a hard credit inquiry on my account without my consent on XX/XX/2023.
|
| 08/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act Pentagon Federal Credit Union Account # XXXX, has violated my rights.
|
| 01/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Someone tried to apply for a loan through Penfed credit union using my identity I did not apply application # is XXXX
|
| 01/25/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Penfed denies me a checking account vecause they cant process a fico credit score when i have proof of good credit.
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Credit company did not respond in a timely manner set written information they have no less than 14 days to respond
|
| 02/12/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
I have a applied for a mortgage and And now an equity loan and each time I hear nothing back from this Credit Union
|
| 09/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
An account at PenFed Credit Union was opened in my name. I learned of this by letter from PenFed dated XX/XX/2022.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2022, A fraudulent unauthorized hard inquiry from PENTAGON FCU-XXXX was reported on my XXXX Credit report.
|
| 10/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
Servicemember |
|
I called Penfed over 10 times about not being able to login. I was told it is out there hands and cant help me.
|
| 03/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
The company closed XXXX closed my card without notice even while paying my debt down. XX/XX/2018 XX/XX/2018
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have gone to court with this company and the Judge has ruled the information was not valid or verified.
|
| 01/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
XXXX XXXX a penfed asking for copy of driver license before finalizing loans on XXXX American customers
|
| 05/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
MY PENTAGON BANKCARD IS REPORTING AN INCORRECT BALANCE ON MY XXXX CREDIT REPORT. THE BALANCE IS {$0.00}
|
| 09/26/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Trying to close share account XXXX. I have sent two written requests and nothing seems to be happening.
|
| 09/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
they still havent credit XXXX k in charges sent them police report 3 times still waiting for resolution
|
| 06/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Payment was marked late when it was supposed to be a skip payment for the month of XX/XX/XXXX XXXX
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The information relate to this account does not relate to any transaction ( s ) that I have made.
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND MUST BE REMOVED OR FACE CLASS ACTION LITIGATION.
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
on XX/XX/2021 someone try to open an account with XXXX and PENTAGON FCU-XXXX TWO HARD INQUIRY
|
| 03/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Hospitalized due to XXXX and complicated by XXXX, Was out of work and unable to make payments
|
| 07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I HAVE NOTIFIED THE COMPANY AND LET THEM I DID NOT AUTHORIZE AN INQUIRY INTO MY CREDIT FILE.
|
| 09/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/. I applied to extend my credit in good faith and was denied under due to hearsay.
|
| 04/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The account was Fraudulent open in my name and unauthorise charges was made on the account.
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I never gave consent to run my credit report and feel as though this is identity theft.
|
| 03/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American, Servicemember |
|
An individual went the a credit union PENFED and opened an account with my information!
|
| 03/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The payment is showing late on Pen Fed by mistake. I would like a proper investigation.
|
| 07/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my identity and opened many accounts without my permission or authority.
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i dont know what this is! my information was stolen. i have not applied for anything!
|
| 02/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Dispute Pentagon Fcu I didnt authorize that Dispute XXXX XXXX I didnt authorized it
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am forwarding this notice with the intent to resolve this matter of Alleged debt.
|
| 08/02/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
Tried seveveral times to resolve the problem only to be hung up on. Latest dateXXXX
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Someone opened an account in my name fraudently with pentagon federal credit union
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
THESE ACCOUNTS AND INQUIRES ARE NOT MINE PLEASE REMOVE OFF MY CREDIT REPORT
|
| 02/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Th debt is not mine. I did not authorize the debt. The debt is fraudulent.
|
| 06/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of violent crime. I am not responsible for this account.
|
| 11/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Servicemember |
|
Due to a change in my financial situation I am unable to pay the debt
|
| 02/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
PENTAGON FEDERAL CREDIT UNION had denied me an extension of credit
|
| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Pentagon FCU XXXX has an unauthorized inquiry on my credit report!
|
| 11/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Ive contacted the companies and they havent contacted me about it
|
| 05/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2017 {$500.00} This account is an result of identity theft
|
| 09/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
Please remove these accounts from my personal credit report.
|
| 01/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX run my credit with out my authorization.
|
| 07/05/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
wanting to be charged for credit card billing statement.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have inquiries on my report that I did not initiate.
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Didnt recognize this hard inquiry on my credit report
|
| 02/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Credit inquiry on report that I do not recognize.
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Credit Report Inquiry Made Without My Permission
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Fraudulent inquiry present on my credit report
|
| 06/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Disputing inquiries that I did not approve of
|
| 06/29/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Some one used my information to open account
|
| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My identity was stolen. See attached.
|
| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Unauthorized inquiry/inquiries.
|
| 07/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American, Servicemember |
|
being charged billing fee!
|
| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX is failing consumers
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized inquiries
|
| 12/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
inquiry not removed
|
| 02/09/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Web |
Older American |
|
|
| 02/05/2024 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 02/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 02/02/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 02/01/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Postal mail |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 01/28/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
|
| 01/25/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Servicemember |
|
|
| 01/25/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Referral |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 01/16/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 01/14/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Referral |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/09/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Referral |
|
|
|
| 01/06/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 01/03/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
Servicemember |
|
|
| 01/02/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
Servicemember |
|
|
| 01/02/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 12/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Need information about your loan balance or loan terms
|
|
Referral |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
|
| 12/22/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Payment process
|
|
Phone |
Older American |
|
|
| 12/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Phone |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 12/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Referral |
|
|
|
| 12/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 12/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Phone |
|
|
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 12/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 12/13/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Phone |
|
|
|
| 12/10/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 12/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 12/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
Servicemember |
|
|
| 12/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/03/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/02/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Didn't receive services that were advertised
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 11/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
|
| 11/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Phone |
Older American, Servicemember |
|
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Postal mail |
|
|
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
|
| 11/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened without my consent or knowledge
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 10/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 10/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
Older American |
|
|
| 10/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company explaining amount owed
|
|
Phone |
|
|
|
| 10/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 10/12/2023 |
No |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Postal mail |
|
|
|
| 10/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 10/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Referral |
|
|
|
| 09/30/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
|
| 09/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Servicemember |
|
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/26/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/15/2023 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Phone |
|
|
|
| 09/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 09/15/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
|
| 09/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
|
| 09/12/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Referral |
|
|
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/11/2023 |
Yes |
|
- Closing on a mortgage
- Closing disclosure or other related disclosures
|
|
Web |
Servicemember |
|
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 09/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/01/2023 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Phone |
|
|
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
|
| 09/01/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 09/01/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 08/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
- Application denials
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 08/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 08/28/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American, Servicemember |
|
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 08/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Referral |
|
|
|
| 08/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Phone |
|
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Older American |
|
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Phone |
|
|
|
| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 08/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
|
| 08/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 08/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 08/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
|
| 08/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Older American |
|
|
| 08/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 08/03/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 07/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 07/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Phone |
|
|
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
Servicemember |
|
|
| 07/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 07/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 07/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 07/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/03/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 07/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Referral |
|
|
|
| 06/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 06/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
Older American, Servicemember |
|
|
| 06/28/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
Older American |
|
|
| 06/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 06/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 06/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 06/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
Servicemember |
|
|
| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 06/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 06/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
|
| 06/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
|
| 06/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Confusing or missing disclosures
|
|
Referral |
|
|
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 06/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/26/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 05/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
|
| 05/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
Older American |
|
|
| 05/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Referral |
|
|
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 05/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Phone |
|
|
|
| 05/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 05/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 05/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
Older American |
|
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Phone |
|
|
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Servicemember |
|
|
| 04/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Phone |
|
|
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Postal mail |
|
|
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Phone |
Older American, Servicemember |
|
|
| 04/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 04/18/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
Servicemember |
|
|
| 04/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Older American |
|
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/31/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Older American, Servicemember |
|
|
| 03/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 03/26/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 03/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 03/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 03/24/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 03/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 03/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 03/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|