Consumer complaint received 2020-11-06
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
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!!

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