Consumer complaint received 2023-04-06
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am undergoing a financial hardship since XXXX of XXXX when my husband lost his job. In XX/XX/XXXX inflation was up 15 % which made it hard to pay the amount due. I called Golden1 in XXXX of XXXX asking how could I apply for a hardship to lower the monthly payment and I was instructed on how to do that and did so just before my XX/XX/XXXX grace period was over which took it out to XX/XX/XXXX. It took Golden 1 several weeks to complete my request as Golden 1 was behind in these requests. Once I signed the hardship loan on XX/XX/XXXX I had an understanding that my loan would be made current and I would be able to make the new payment of {$290.00} and the months, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX would be deferred to the end of the loan and my new payment would be due XX/XX/XXXX with a grace period of 14 days. I noticed the payment was updated in XX/XX/XXXX but the due date was not and made it impossible for me to catch back up because this was not deferred correctly. I called and debated with someone on the loan team and they were quite rude and not helpful at all. The Golden 1 representative I talked to before this when I applied for the hardship program explained everything incorrectly which was on a recorded line. Please pull call from XX/XX/XXXX. This is not my error. It is Golden 1s error because the employees are not trained properly to pass on correct information and gave me a false understanding. If I had the correct information then I would have made another payment before that. Instead I was making payments to other debt when I could have made Golden 1 the priority because I thought XX/XX/XXXX was the new due date. As you can see, I have my checking account with you and have been a customer for many years. That being said, since your employee gave me incorrect information which helped cause the error I would ask you that as good customer service and good faith that you would report that these were reported in error as I was making every attempt to keep my account current and had your employee provided me with the correct information this all could have been avoided and also you all were behind for 2 months in handling the hardship program-also not my fault. I am asking you to please re-consider as this is hurting my credit and it just isnt fair since I made an effort to handle this and have been a long time customer. 


Also that being said Golden 1 is violation my rights and in violation of the fair credit reporting act 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.

This account remains OPEN. Also reported in error. Please correct your errors. Your response will also be published publicly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation