Consumer complaint received 2016-11-10
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I contacted Pentagon Federal Credit Union on XX/XX/2016 to find out if they would refinance the balance of XXXX I owe on my auto loan to XXXX Bank in XXXX IL, which had fallen past due because of job loss and the recession and which they keep adding unwarranted fees on and incorrectly posting my payments so want to get away from, also asked if I would be able to borrow an additional XXXX for relocation expenses for a new job I was suppose to start with the IRS XXXX XXXX Mo. on Monday XX/XX/XXXX. Because I am twice widowed and have no financial help, my credit has been dinged during this recession and need some help with moving because my job offer is a XXXX drive one way from my home. 
Of course the first guy I talked to strung me a lot to believe it would not be a problem, so that he could get an application and run a credit check on me to save his own job, which of course then pulls my score down even further and keeps me from getting any help from anyone, then he turns me down saying it is due to past due payments. Is that not want I told him I called to get a loan for and fix to begin with? The amount for the refinance was within his limits for my vehicle, but still turned me down for the payments being late on it, which I told him was why I called to get the loan. Why would he run a credit bureau on me and further damage my score? I then asked to talk to a loan XXXX because he had no answers for any of my questions. She was just as bad or worse, had no compassion, rude and disrespectful, when I asked her what other ideas she could give me in my situation, she said none, she did not know, said they do n't give credit counseling. 
Both of them were so incompetent. I then decided, based on this experience to close my savings account with them, which only has XXXX dollars in it and if they could not help me with such a small issue as what I brought to them, do not need them in the future and account being open is not helping me in anyway, only them to help them meet their quotas. I then called back and spoke with XXXX and she was just as rude. I told her I wanted to shut the savings account down, which is the only account I have with them. 
She said she sent a message to the department that closing them to do so but they may be gone for the day and she said she would mail me a check for my XXXX dollars. It was after XX/XX/XXXX, but not closing time. I asked her to give me a time frame of when it would be closed. She then put me on hold and said she would take care of it. She came back and said it had been closed. Then I get up this morning and there are XXXX different emails in my email account from them confirming my request to stop online delivery of statements, which I never did, and claiming they would have to charge me a dollar per statement going forward on all my account unless I have a checking with XXXX balance. Then another email about my credit card statement when I do n't and never have had a credit card with them. 
They are simply trying to find some way to illegally hold onto my measly XXXX dollars. Note I never emailed or contacted them to request anything, so have no idea why they sent all of these emails. I only requested by phone yesterday XX/XX/XXXX that they close my savings account and send me the balance of what is in the account by mail. I have worked for several banks in the past and left them for this and other reasons, Pentagon Federal is just like them. I want to get away from banks and credit unions completely and would encourage all to do so. They are greedy and intentionally incompetent and the same kind of people work in all of them, the kind of people I do n't want anything to do with. Please make them shut my account down and send me my measly XXXX dollars!! Copies of emails attached.

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