Consumer complaint received 2018-03-01
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
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

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