Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Previous Complaint not answered XXXX Bethage Federal Credit Union failed to answer my question on the specific transaction dated XX/XX/XXXX for a mortgage payment issued to XXXX XXXX which was rejected unexpectantly for XXXX XXXX XXXX, XXXX NY XXXX XXXX Section 51 Block 166 Lot 8 for XXXX XXXX XXXX XXXX XXXX XXXX. The Bethpage account # was XXXX. Bethage 's excuse to not answer was as follows : " As such, we are unable to provide you with a detailed explanation regarding the specific payment referenced in your complaint. they are out of the timeframe to answer. '' Why was my payment rejected? What programming was going on between Bethpage FCU and XXXX XXXX XXXX to cause the disruption of my legitimate mortgage payment? I am resubmitting the image for a response. The name of the image is XX/XX/XXXX payment rejection.XXXX XXXX XXXX XXXX XXXX Illegal Soft Credit Inquiry on XXXX Report on XX/XX/XXXX File submitted : Bethpage Soft Inquiry XXXX ( XXXX XXXX ) Bethpage has also asserted that they had a right to do a soft inquiry into my credit report for their own made up version of the Fair Credit Reporting Law " The soft credit inquiry described in your complaint was associated with your Home Equity Line of Credit ( HELOC ). Financial institutions, including Bethpage, periodically conduct soft credit inquiries to evaluate continued credit worthiness of existing tradelines. Given the charged off status of your HELOC, you should no longer see soft inquiries appearing on your credit report from Bethpage. '' The statutory requirement for removal of information is seven years which was completed in XXXX and I had not applied for any financial product from them in XXXX or any time previously so Bethpage did not have a legitimate excuse under FCRA to invade my credit report through XXXX. 

The Bethpage account manipulator and consumer law creator went on further to say the following. " Please be advised that soft inquiries do not impact your credit score, which is also indicated on the documentation you provided. Although you mentioned in your complaint that you had a credit freeze on your credit report, credit freezes dont block all access to your credit report. '' False statement by Bethpage, their access was illegal and should not have been permitted. With respect to " soft inquiries do not impact your credit score '' is no excuse to invade financial privacy under FCRA. It is a blanket statement utilized to tell the American public we are invading your privacy but don't worry about it.

Bethpage Federal Credit Union is in violation of the FCRA and I do not know the consequences and intentions behind their action?

" 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''

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