Consumer complaint received 2022-08-25
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
RE : Union Bank - XXXX XXXX XXXX XXXX, WA XXXX My Union Bank credit card ending in XXXX was closed on XX/XX/XXXX due to inactivity and my credit score as reported by XXXX. The Union Bank letter was dated 9 days after I opened my first complaint about the XXXX XXXX Credit Card company fraud with the CFPB. 

On XX/XX/XXXX, I called Union and explained to XXXX, at first, and later XXXX, that I would be forced to sue if they could not at minimum, reactivate the card. The telephone operators sent me into the bank branch for a final attempt to reactivate the account. 

On XX/XX/XXXX I walked into the Union Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and spoke to an agent named XXXX, and a manager named XXXX who both tried to reactivate the account for me and were not successful. I explained all that had transpired with the complaints, the fraud and the credit reporting agencies and that I was prepared to sue Union Bank for the credit limit decrease, and the irreparable harm to my credit score, and they both agreed that Union bank was liable for actions that they could not undo.

Union Bank has tried as best they can to undo the reckless harm done but were ultimately unable to do anything but leave my credit limit, and score destroyed further when no harm was done directly to them. I had a XXXX balance on the Union Credit card # XXXX since XXXX. Union Bank claimed this retaliation was due to my inactivity but mainly was the credit reporting information provided by XXXX. 

The main reason for the inactivity on the Union Bank Card was that I had misplaced the card and Union Bank had a habit of sending ads separately in the same brand and style envelopes as the statements and after awhile I forgot I was their customer. Since my card had a XXXX balance and it was mostly ads they were sending me month after month, I got in the habit of not opening the envelopes after a while. 

I only discovered the Union Bank card # XXXX had been closed when I opened the letter this week, almost two months after it had been sent. I did not receive any letters with a prior warning about inactivity, lots of ads though. The letter was sent out by Union Bank dated XX/XX/XXXX and had noted at the bottom that the information used to determine this action was collected and provided to them by XXXX. And if I should want to dispute the information XXXX provided I would have to contact XXXX. 

My first complaint to the CFPB was dated XX/XX/XXXX - 9 days prior to the Union Bank Card # XXXX closure. XXXX had removed the XXXX XXXX dispute by or before XX/XX/XXXX but as they had failed to restore the credit score as well, XXXX  misreporting was the direct cause of the Union Credit card # XXXX deactivation, decrease in credit limit, further decrease in credit score, and credit worthiness. 

Union banks eliminating {$12000.00} unduly deprived me of my rightful property without due process and further diminished my credit score for not using their card in an act of retaliation, and a violation of my constitutional rights.

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