Consumer complaint received 2022-08-26
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
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: Investigation took more than 30 days

Complaint:
I'm disputing two accounts through Mountain America Federal credit Union. When is for an auto loan and a secured credit card and I think it might be line of credit as well. Okay, I was paying out {$30.00} a month extra towards my monthly all alone payments and {$5.00} extra a month for my credit card and I also had my full coverage covered through Mountain America credit Union insurance they have their own insurance options so I went with their insurance through them Mountain America credit Union. This was supposed to cover my payments on my credit card line of credit my insurance for my XXXX and my auto loan payments up to 4 months in case I get XXXX  in case of a life happening problem which happened I have XXXX anyway something within my family had happened and I was not able to make my payments because I was not able to work. I was behind almost 2 months on both my insurance payment through them my credit card payment and also of course my auto loan payment. In 2019 somebody had hit my XXXX and it was not drivable. It got impounded and they repoed my car say ing it was because I was behind on my payments and had no insurance coverage. I of course reminded them that I had been paying extra for this coverage which was before the 4-month mark so I should have been covered completely. In any case they said no that is incorrect and there it sets they haven't given me any credit for it they have been reporting twice on me even and they're saying that I owe them over {$8000.00} and that does not include the credit card payment which was supposed to be covered as well of course. I am very frustrated I am disputing all of this through the three credit bureaus XXXX XXXX and XXXX. I asked for some direction on what do I do in case they deny this to you guys as well. I was told well you have the right to call consumer credit reporting services and dispute as well through them and the XXXX XXXX XXXX which as soon as I get off this line get this file for you guys I'm going to contact them as well the XXXX XXXX XXXX I am disputing this because they violated my contract in full I mean they really violated my contract my personal rights and I'm really upset at this not only did that ruin my credit score I'm trying to buy a house and I found out that this is this needs to be taken off in order for me to get any kind of a decent mortgage loan I don't have a car to save my life either I am taking public transportation and I just actually just bought a {$500.00} car which needs a lot of work done to it I'm upset and I have not been treated fairly and this is ths the reason why I am disputing these marks on my credit the collections they have imposed on me and the information they're reporting to the credit bureaus I have been treated unfairly they violated my contract for insurance auto loan and credit card and possible line of credit. Thank you sincerely XXXX XXXX my contact information is and you can text me at this number too if you'd like XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation