Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Technology Federal Credit Union
State: UT

Complaint narrative:
On XX/XX/XXXX I applied for a personal loan on their web site. I have fraud alerts on my credit because XXXX XXXX called me twice last yr. stating my " real estate XXXX was good & to move forward with the application ''. I never filed any real estate application that would prompt this sort of call. When I called XXXX XXXX they were perplexed & unable to explain " why '' this had occurred nor verified if they did/did not make the call. I decided not to trust them & put the alerts on to make sure if my credit was not run by me, the creditor would make the necessary effort to ID the person. No lenders including a nationwide builder on XX/XX/XXXX had any issues running my credit. This XXXX 's system is set up to ask those identifying questions before you submit the app. It asked me XXXX questions I was able to answer & submitted the app successfully at XXXX XXXX  XXXX. At XXXX XXXX XXXX I received a decline. I was horrified that they would turn me down that quickly. I really don't like doing apps on line because it's a cold hand off & an even colder decline process because no human really looks at your report. They use algorithms in a system to approve/decline you. No one looked at my app at all. How do I know? I called back very upset by the fact they turned me down so quickly. I wanted to know why! The gentleman I spoke to whose name I don't remember, was super nice & extremely helpful as much as he could be. He called the consumer loan dept. numerous times to get a why response. They told him a good number of untruthful things. He didn't really know because he doesn't work in lending. He wanted so badly to resolve the problem so I would not hang up with a bad taste in my mouth. Consumer lending didn't care enough to get on the phone to talk directly to me. He said my app still showed pending in the system, but I told him about the almost immediate decline email I got. They said the following to him on those calls : 1. we couldn't run her report because she has an alert on it, we tried to call but couldn't get her by phone. They left no message because I checked when I hung up with him. 2. they told me to REMOVE the fraud alert I intentionally put on so they could run the report. I vehemently declined because no one else had issues ID me & their system automatically ID 'd me, so why would I do that? Legally they should never ask anyone to do that ever! That was a clear violation of my rights under the FCRA laws. The bureaus make it quite easy for any lender to do the ID checks. This XXXX made it into rocket science. XXXX they offered no other reason for the decline but kept blowing us off. Wow! The great customer service from that team! I called them inept because they are. I was fine letting it go but still planned to report them to all appropriate agencies for their bad business practices. They're a technical industry XXXX & none of them seemed to be very tech savvy at all. I was appalled by the interactions with the exception of the one gentleman. The next day on XX/XX/XXXX I got an alert from my credit monitoring service that they ran a report on me AFTER they declined the loan app! Why?! What was the reason for doing it? To date I've heard nothing from them regarding the error they just made running my credit when they clearly declined me in writing! I called to try to get a XXXX in that dept. XXXX said no managers existed in that dept. Then I demanded a XXXX in her dept. She said I would have to get a call back. I declined that & said I'll just sue to get someone's attention! Then she miraculously found a XXXX in her dept. The XXXX XXXX, tried to assist but was not really able to. She transferred me to XXXX XXXX & gave me the #. The guy said he would give the XXXX my message, they had been in meetings most of the day. I said I wanted a call back that day, by end of day. Someone did call me but never said anything. I said hello 3 times with no response. I hung up & within the hour called back. I was told they had all gone home but the lady said " oh someone did try to call you ''. I told her what happened, that I was angered that they didn't consider it important enough to try again before they left, threatened to sue again & said forget it I'm filing my complaints & law suit. She said " I'm going to disconnect this call if you ... '', that really XXXX me off because I don't need to deal with XXXX XXXX. I cut her off & told her they are the worst CU I've ever encountered, their CS is horrible & I would not want to deal with them anyway! I hung up on her. They illegally ran my credit AFTER they declined my application! They neither offered a valid reason for the denial nor a reason why they decided to run my credit the next day. I am livid & if this issue is not resolved in 30 days I will sue them for violating FCRA laws & my rights under it. I don't do business with inept people. For them to be a tech industry XXXX they are horrifyingly inept! I'm glad this happened because this is not the kind of business I would ever want to be associated with. Credit unions are becoming as inept as banks are. They used to be the go to, but not anymore. You're better off with a bank.

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