Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Complaint Against Digital Federal Credit Union ( DCU ) Loan # XXXX Inaccurate Credit Reporting ( Mortgage Account ) To Whom It May Concern, I am submitting this complaint regarding Digital Federal Credit Union ( DCU ) for reporting inaccurate and materially misleading credit information, specifically a XXXX late payment reported in XX/XX/year> on my mortgage account. This reporting is incorrect and has caused significant harm to my credit profile, despite my full compliance and timely actions during an escrow payoff process. ________________________________________ Summary of Issue My mortgage loan was in active escrow for full payoff, with closing scheduled for early XX/XX/year>. On XX/XX/year>, the escrow company formally requested a payoff from DCU through XX/XX/year>, which DCU provided. This payoff amount included the XXXX payment. On XX/XX/year> at XXXX XXXX, DCU sent a notice stating payment must be made by XX/XX/XXXX to avoid a late designation. In direct response, I funded my DCU account at XXXX XXXX the same day, and DCU confirmed receipt at XXXX XXXX on XX/XX/year>. DCU confirmed completion of the internal transfer on XX/XX/year>. The loan was paid in full through escrow on XX/XX/year>. Following payoff : I contacted DCU on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and was never informed of any delinquency or issue. I was told the account was current and finalized. Despite this, DCU reported a XXXX late payment on or about XX/XX/year>. ________________________________________ Basis of Complaint DCU is asserting that the payment was 31 days late based on posting date. However, this position ignores critical facts : DCU had actual notice of an active escrow payoff and issued a payoff through XX/XX/XXXX, which incorporated the XXXX payment. I immediately complied with XXXX payment notice by funding the account within hours. DCU controls the internal transfer process from member accounts and can not attribute internal processing timing to borrower delinquency. DCU confirmed multiple times after payoff that the account was current and complete. Escrow coordination was ongoing, and DCU failed to properly align its servicing with the payoff process. ________________________________________ Harm and Impact This inaccurate reporting : Damages my credit profile after over XXXX years of perfect payment history Exposes me to higher interest rates and potential denial of credit Creates a false and misleading negative credit event ________________________________________ Requested Resolution I respectfully request that DCU be required to : XXXX. Immediately delete the inaccurate XXXX late payment from all credit reporting agencies XXXX. Provide written confirmation of the correction XXXX. Conduct a reasonable investigation considering the full escrow payoff context XXXX. Provide a detailed explanation of how this error occurred ________________________________________ Supporting Documentation I have attached documentation supporting this complaint, including : Escrow payoff request and confirmation DCU payoff statement ( through XX/XX/XXXX, including XXXX payment ) Payment confirmations ( XX/XX/XXXX and XX/XX/XXXX ) ________________________________________ XXXX reporting is not only technically flawed but materially misleading in context, and I am requesting prompt correction to prevent further harm. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ( XXXX ) XXXX SS # 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