Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Pentagon Federal Credit Unions Handling of Account Information Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Pentagon Federal Credit Union ( PenFed ) for its ongoing failure to provide accurate and complete information regarding my loan accounts, as well as its mishandling of critical account information that has negatively impacted my credit profile. Despite repeated attempts to resolve these issues directly with PenFed, they remain unresolved. 

Complaint Details : I hold the following accounts with Pentagon Federal Credit Union : Loan # XXXX Loan # XXXX Closed Personal Line of Credit I have repeatedly requested PenFed provide the following : XXXX. A comprehensive payment history for each account, including exact due dates, amounts due, and payment statuses. 
XXXX. An explanation for discrepancies in payment reporting. Specifically, some payments were made but have been inaccurately reported as missed, leading to adverse effects on my credit report. 
XXXX. Clarity regarding why my payment portal shows due dates far in the future with no amounts owed, yet missed payments are still being reported to the credit bureaus. 

PenFed has failed to provide this information, including after written correspondence and phone calls. I received a letter in response to my inquiries, but it did not include the details I explicitly requested, such as a full payment history or clarification of due date discrepancies. 

Key Issues : XXXX. Inaccurate Reporting : Payments I made during specific months have been reported as missed, contrary to my records. 
XXXX. Lack of Transparency : PenFed has not provided the requested documentation to verify account activity or clarify reporting errors. 
XXXX. Negative Impact : These inaccuracies have damaged my credit profile, impacting my financial standing and creditworthiness. 

Request for Action : I am requesting that the CFPB : 1. Investigate Pentagon Federal Credit Unions handling of my accounts, including its failure to provide requested account documentation and its inaccurate credit reporting. 
XXXX. Ensure that PenFed provides me with a detailed account history, including due dates, payment amounts, and payment statuses, for all referenced accounts. 
XXXX. Ensure that any incorrect information reported to the credit bureaus is corrected immediately. 

Thank you for your attention to this matter. If additional information is needed, please contact me directly at the details provided above. 

Sincerely, XXXX XXXX XXXX

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 non-monetary relief