Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This is a follow up to a complaint that I filed regarding the Pentagon Federal Credit Union on XX/XX/XXXX, complaint number XXXX. 
I have not heard back from them regarding this complaint and as of the XXXX of XXXX they were still working it. 
I am filing a second complaint because since filing my complaint on the XXXX of XXXX the Pentagon Federal Credit Union erroneously flagged my Penfed Visa as closed where it has not, in fact, been closed. I am current on the account and make regular payments. I currently have a {$3300.00} balance and continue to make payments on this account. 
Reference the original complaint regarding this institution I have been working for over a year trying to clean up my credit as it had been adversely impacted by the fraud that I experienced in XXXX. It has been a long and grueling process. This month I applied for a mortgage thinking that I was to the point where I could get a decent interest rate with my improved credit score.

My mortgage officer questioned why my credit card account with Penfed was closed. I told her that I never closed it and I was making regular payments on it. I then called Penfed twice. The first agent did not know what to do and placed me on hold for an extended period and I finally hung up and called back. The second agent tried to help me but seemed baffled as to why the account was flagged as closed and it showed on her side that the account was open and in good standing. The only thing she said she noticed was that there was a code on the account which might have triggered their processing to notify the credit bureaus that the account was closed.This has cost me a full 1 % difference in what my mortgage company originally offered me for a mortgage. This equates to thousands and thousands of dollars over the life of a 30 year loan. This doesnt seem right to me. 
I am inquiring as to why my credit card account was flagged as closed, which hurt my already fragile credit score in the month of XX/XX/XXXX after I filed a complaint against Penfed in XX/XX/XXXX with the Consumer Financial Protection Bureau. Their response to the original complaint was that they needed more time and that was on the XXXX of XXXX. Was that more time needed so that they could start to erroneously flag my account as closed? 
This organization has done nothing to assist me in my plight and the fraud originally done on me. I think it is a fair question as to why this action was taken. Was it their antiquated IT systems or did someone code my account to show as closed while it is not? 
I need this corrected immediately. I attempted to get the agent to correct it when I called on the XXXX. She asked me to upload a copy of the area on the credit report that I got from my mortgage lender on the XXXX of XXXX. I was assured I would be called back. I tried to stress that this needs to be handled quickly because of the potential long-term cost of their error. Based on my prior experience with Penfed, there is zero sense of urgency. 
I am enclosing a copy of the area on my credit report which shows for the month of XX/XX/XXXX that this account is closed when it is not.

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