Consumer complaint received 2023-08-24
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
RE : America First Credit Union Predatory lending Identity Theft Fraud Willful intent to commit harm Conspiracy to commit harm Willful intent to commit financial harm Conspiracy to commit financial harm Denied {$800.00} loan to repair car, while stranded out of town. Would ONLY give a {$13000.00} used car loan. Then, like magic, America First offered {$500.00} overdraft and a {$500.00} visa after. Which would have covered the {$800.00}. 

FRAUD 1 : XX/XX/2023 applied for loan with America FirsXXXX XXXX XXXX, XXXX XXXX UT the NEXT month social security confirmed as did XXXX XXXX they were contacted and told to change address for Social Security payments to an address in XXXX XXXX UT. 

Note : No one but Social Security and XXXX have that address but America First. 
All other credit was obtained in New York. 

FRAUD XXXX : Member with perfect credit, paid XXXX ( XXXX ) auto payments and then {$500.00} each trip ( amounts on overdraft and visa ) when told the registration documents were sent to XXXX, CO XXXX. Each time they documents were not there. Note : loan contract Pg 4, No. 5 item 7 : agree " not to title the property in another state without telling us. They were obviously told. Asked America First repeatedly for documents and they ignored requests. Thus member unable to register/use the vehicle and had to pay an additional {$250.00} to store the vehicle, {$300.00} to renew registration with the old vehicle, lost {$2000.00} by not being able to sell that vehicle in the high XXXX market. 

XXXX. THREATS OF HARM : XXXX XXXX of America First, believed to have attempted to embezzle client SS payments, " purposely '' tried to set client up by withholding documents and then accusing member of not curing the loan. She stated : You will keep making those payments or we will ruin your credit AND take the car. This is her response to please take the keys/car. 

America First Vps made and broke appointments. Managers at different locations all refused to 1 ) talk to member without an America First witness, 2 ) refused to take the car back three times as requested and XXXX ) when asked Where are the documents. Why havent you provided them. Refused to answer either question or provide the documents. Member provided written Notice of Breach of Contract to America First beginning of XXXX. What else could member do? 

XXXX payment due XX/XX/XXXX and late XX/XX/XXXX. Not thirty days late and despite voluntarily providing the keys for three weeks prior member was hit with a hostile REPOSSESSION. 

XXXX. SLANDER DEFAMATION : On XX/XX/XXXX America First REPOSSESSED IT FROM THE STORAGE LOT IT WAS PARKED IN. And further breached all privacy by providing all sorts of personal information to a vendor who is retained through our LLC. The bank breached all confidentiality along with breach of contract. 

This is a planned and executed economic hit. By failing to provide the documents and then accusing member of failing to cure the loan by not registering the car is felonious behavior at best. Credit is perfect. Payments to all vendors, perfect. What is wrong with this picture? Credit bureaus before and after all support clean credit. 

NOTE : This was not a unilateral agreement. America First never performed. Federal law states one party is not required to continue to perform if the other has not. They have the car, their intentions are to ruin members good credit but that can not legally, legitimately occur. 

FINAL OUTCOME REPORTS TO CREDIT BUREAUS : Car loan paid as agreed. Closed. No further action.

Company response to consumer: Closed with explanation