ComplaintsforKinecta Federal Credit Union

• Initial Complaint

  07/05/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  *** ****** BANK wired $20,000 into my account #******* on June 06, 2024 from their account #**********, routing #*********, then on June 10, 2024 requested I wire $17,000 to JESSYS ENT LLC. Account #************, routing#*********. ******** BANK then wired $20,000into my account #******* from account #**********, routing #********* and on June 11, 2024 requested I wire $17,000 to JESSYS ENT LLC. Account #************, routing #*********. On June 12 Kinecta Federal Credit Union sent me notice that the *** ****** BANK account had been closed and I owed $18,000 to Kinecta. On June 13, 2024 Kinecta notified me that *** ****** BANK account #********** was taken over and closed by unknown persons. I have no idea whats going on except Kinecta is accusing me of taking their money and I now owe them $36,000 in which I feel I was scammed or bank account hacked on from my checking account at ******************** and I need help. This is fraudulent bank to bank wire transfer and not my responsibility for what happened

  Business response

  07/15/2024

  July 15, 2024
  
  
  ****************************
  
  VIA BETTER BUSINESS BUREAU PORTAL
  
  I am writing in response to the complaint you filed with the BBB regarding fraudulent bank wire transfers on your account.Upon receiving your letter, I promptly initiated an investigation with my team and would like to provide you with the findings.
  
  Our records indicate that two *** Origination transfers, totaling $40,000, from a *** account were initiated through your Kinecta online banking account and deposited to your account on 6/10/***************, on 6/10/24 and 6/11/24, you visited the Torrance PCH ********************* and requested two wire transfers totaling $34,000.00. When Management inquired about the purpose of the wire, you informed us you were purchasing a classic car and the wire was time-sensitive. Unfortunately, the *** transfers from *** were returned as "Account Closed" on 6/12/24 and 6/13/24.
  
  During your conversation with our ************************** you shared that you had met someone through an online dating website and had extended financial assistance by using Zelle to send money. You communicated that all transactions were initiated by you, with instructions to return a portion of the funds to cover lawyer fees.
  
  Prior to the *** origination transfers, on 5/31/24, Kinecta had blocked an *** link on online banking due to an external trial balance transaction returned for Account frozen. Between 06/05/24 and 06/12/24, you reached out to our ********************* multiple times to address transfer issues and restrictions. You expressed the need to have restrictions removed to facilitate external transfers, as outlined below:

  
  * On 06/05/24, the ********************* recommended the account be restricted due to the online activity with *** Bank. You requested the account not be restricted and informed us you would visit a ********************* for assistance.

  * On 06/06/24, you informed our ********************* that you werent aware of *** Bank but your wife has an account with *** and was attempting to deposit money into your account. Your online banking account was restricted, and you requested to have it removed so you can have the ability to schedule external transfers.

  * On 06/07/24, you contacted our ********************* and stated your wife got into your account without your knowledge and was trying to transfer money into your account. Now that you were aware of what she was trying to do, you wanted to know if there was a way to get the restrictions removed from online banking.

  * On 06/10/24 and 06/11/24, you contacted the ********************* stating you were trying to transfer more money but couldnt perform the transfers due to the limit.
  
  Despite our attempts to intervene regarding the *** *** transfers, you assured us on multiple occasions that the transactions were legitimate and initiated either by you or your spouse. We understand that you *** have not completed the *** transfers yourself, and that your online banking account *** have been compromised; however, the funds from the *** transfers were used by you to facilitate the wire transfers. As a result, when the *** transfers were reversed, it created an overdrawn balance in the account.
  
  I understand how distressing this situation must be for you, and I want to assure you that we take matters of financial security very seriously.
  
  I trust this letter sufficiently clarifies the outcome of our investigation. Should you have any further inquiries or concerns, please do not hesitate to contact our ************************* directly at ************.
  
  
  
  Sincerely,
  
  *********************
  Chief Experience Officer

• Initial Complaint

  06/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I opened my Kinecta account on 5/24/2024 with ************************************* through Zoom. After the Zoom session, I created my online profile and transferred $5020 from my external account to fund the account. The next day, 5/25/24, I was unable to log into my account because it was locked. I contacted Kinecta / ********************** and was told to provide statements from my external account that the funds came from. Even though I verified the external account through Plaid. As of June 12th, my account is still locked. My direct deposit from my employer was rejected and I can't access my funds.

  Business response

  06/24/2024

  June 24, 2024
  
  
  *****************************
  
  VIA BETTER BUSINESS BUREAU PORTAL
  
  I am writing in response to the complaint you filed with the BBB regarding your recent membership with Kinecta. Upon receiving your letter, I promptly initiated an investigation with my team and would like to provide you with the findings.
  
  According to our records, on 05/24/2024, you opened a new membership with us through a Zoom appointment. Subsequently, on 05/28/2024, you initiated an external ACH transfer of $5,020.00 to your Kinecta account. The funds were then placed on hold pending further verification.
  
  Since the inception of your membership, we have diligently worked with you to verify the information you provided, to ensure we are in alignment with the Customer Identification Program requirements. Despite our efforts, which included requests of you for additional documentation and removal of the security freeze on your consumer report, we regret to inform you that we encountered challenges in fully validating your identity.
  
  In light of these ongoing verification difficulties and in response to your request, we will proceed with closing your account and initiating the return of the funds.
  
  I trust this letter sufficiently clarifies the outcome of our investigation. Should you have any further inquiries or concerns, please do not hesitate to contact our ************************* directly at ************.
  
  
  
  Sincerely,
  
  *********************
  Chief Experience Officer

• Initial Complaint

  05/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Since November of 2023 I have been trying to get Kinecta to send me my mortgage statement and they are either unable or unwilling. I have contacted them by phone and they keep transferring me to different people and nothing gets resolved. I have emailed ********************************* numerous times, she has sent me a current statement but the next month nothing so I have to call them every month to get a statement. It has been 3 months since my last mortgage statement. No one has ever called to follow up and make sure that I am getting the statements. Very poor customer service since ********************** took over the Xerox accounts. I have had accounts with them for 40+ years and am supposedly a "VIP", Kinecta ****** *************** which apparently doesn't really mean anything because when I call no one is there to talk to. Today I was transferred to someone that the operator knew was not going to be there, she just wanted to get rid of me and not do her job.

  Business response

  05/14/2024

  May 14, 2024
  
  
  *************************
  
  VIA BETTER BUSINESS BUREAU PORTAL
  
  I am writing in response to the complaint you filed with BBB in relation to your monthly mortgage statements. When we received your letter, I immediately asked my team to investigate the situation. This letter provides the results of our inquiry.  
  
  Please accept our sincere apologies for the inconvenience and frustration you have experienced regarding your statement settings and the subsequent delays in receiving your monthly statements. I understand that you have been in contact with our ************************* and our sub servicer ********************* **** (DMI) since 12/11/2023 regarding this matter. Initially, it was determined that you had set up e-statements through online banking, and on 1/19/2024, we provided you with instructions to update the settings, as this was not something we could change on your behalf. We also promptly sent copies of statements via ***** at that time.
  
  However, it came to our attention on 2/23/2024, when you contacted us again about missing statements, that there was an issue with your statement settings. Upon reaching out to our sub servicer ********************* **** DMI, it was confirmed on 2/29/2024 that you were indeed set up for paper statements. We immediately took action, emailing and mailing copies of the statements to you.
  
  Unfortunately, that didnt solve the issue. So, upon receiving your most recent complaint, we worked diligently with our sub servicer ********************* **** (DMI) to identify the root cause of the issue with your statement settings. Their IT Department has since rectified the problem, and they have assured us that you will receive paper statements going forward.
  
  Once again, we apologize for the inconvenience and frustration this situation may have caused you. Your longstanding membership is deeply valued, and we are committed to providing exceptional member service. I trust this letter adequately clarifies the outcome of our investigation. Should you have any further inquiries or concerns, please do not hesitate to reach out to our ************************* directly at ************.
  
  
  Sincerely,
  
  *********************
  Chief Experience Officer

• Initial Complaint

  05/07/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I have an extremely serious issue with Kinecta right now that needs to be resolved immediately I was the victim of some Unauthorized charges that were posted to my debit card, as I had lost my wallet. The transactions were:$500 - *****'s - April 13 $500 - Ralphs - April 13 $500 - Ralphs - April 13 $36.76 - ********* April 13 (posted on April 14)They then came back and denied the case/disputes Upon finding out my case was denied from a letter in the mail that delivered, I IMMEDIATELY went into my local Kinecta office to find out why the case was denied, and escalate a re-appeal. I was told the case was being reappealed and that "we would get to the bottom of this" so I was starting to feel more re-assured about the situation and that it was being handled.**** and behold, I get further correspondence from a Kinecta associate over email saying:"I was reaching out to give you an update on your claim. It looks like our back office is still declining to issue credit for the transactions and are holding you responsible for the following reasons: -Authorized transactions before and after disputed transactions -Transactions were chip and pin authorized -Mobile/Online Banking logins within the disputed transactions"None of those reasons are valid reasons to not give me my money back that was swindled from my account. I need to get this escalated ASAP, I'm not about to be out of $1,500 of my hard-earned money over this. At this point, I'm just baffled that Kinecta is not doing anything about the matter at hand to rectify it and make it right. Not the customer service I would expect at all. I'm going to be needing my money back, this isn't something I can just sweep under the rug

  Business response

  05/14/2024

  May 14, 2024
  
  
  ***********************
  
  VIA BETTER BUSINESS BUREAU PORTAL
  
  I am writing in response to the complaint you filed with BBB in relation to charges posted to your debit card that you indicate were unauthorized. Account security is of the utmost importance to us, when we received your letter, I immediately asked my team to investigate the situation.This letter provides the results of our inquiry.  
  
  We acknowledge your dispute claim dated 04/15/2024, regarding a series of unauthorized charges totaling $1,536.76 posted to your account.After thorough review, we regret to inform you that your claim was initially declined,as the transactions were chip and pin authorized. Additionally,it was noted that you had notified us of the loss of your wallet, which contained a piece of paper with your PIN number written on it.
  
  However, upon further examination, a second review was conducted by our Risk ********************* and additional support information was obtained that wasn't initially available. I am pleased to inform you that on 05/10/2024, a credit in the amount of $1,536.76 was issued to your account,and a Final Resolution Letter was mailed to you on that same day.
  
  Please accept our sincere apologies for the inconvenience and frustration this situation may have caused you. I trust this letter adequately clarifies the outcome of our investigation. Should you have any further inquiries or concerns, please do not hesitate to reach out to our Risk ********************* directly at ************.
  
  
  
  Sincerely,
  
  *********************
  Chief Experience Officer

  Customer response

  05/20/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***********************

• Initial Complaint

  05/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I sold a car and was written a check by the company KOP AUTO **** for $41,000. The check was a CHASE check. Unfortunately I do not bank with CHASE so I deposited it into my personal account at ******************************************************************. They released the hold on $6000 a few days later and said that the rest of $35,000 would clear on May 3rd. Today it is May 3rd. I attempted to withdraw my funds and I was told that the check was not cleared yet by the issuer of the check. This was false information. I called the issuer of the check and he said that his bank had already cleared the funds. Kinecta then told me that this was being escalated to the **************** There was no valid reason for this and they will not give me this information in writing. I believe I am a victim of discrimination and racism and I would like to complain about loss of contracted funds due to UNJUST holdings of funds that were already verified by *****.

  Business response

  05/14/2024

  May 14, 2024
  
  
  *******************************
  
  VIA BETTER BUSINESS BUREAU PORTAL
  
  I am writing in response to the complaint you filed with BBB in relation to a check deposit in the amount of $41,000.00. When we received your letter, I immediately asked my team to investigate the situation. This letter provides the results of our inquiry.  
  
  According to our records, on 04/24/2024 a check in the amount of $41,000.00 was deposited in your account. Due to the significant sum, we placed an extended hold on the deposit as part of our standard procedures.
  
  On 05/03/2024 you visited our ***************-**************** and requested to withdraw $35,000.00. The Branch Assistant Manager initiated a standard verification process by contacting ********** to confirm the validity of the check. We were informed that the check raised some concerns at ********** as it did not match their records.
  
  Naturally, this raised red flags for us, prompting us to exercise caution and place a hold on the funds pending further investigation. To assist in resolving the issue, when you mentioned the funds were from the sale of a vehicle, our Risk ********************* requested documentation of the sale and proof that the check has been cleared from the makers account.  
  
  During a phone conversation on 05/03/2024, a member of our Risk ********************* discussed the check hold and the steps taken to resolve the matter. Regrettably, a third party was speaking on your behalf during the call. Our team member informed you that she could only communicate directly with you as there were no other listed joint account holders. Despite this, the third person persisted in speaking for you, and as a result, it was necessary to disconnect the call for security reasons.
  
  On 05/06/2024, our Risk ********************* team successfully validated the supporting documentation you provided to us. As a result, the hold placed on the funds was released. Furthermore, we contacted you via phone the same day to notify you of this resolution.
  
  Please accept our sincere apologies for the inconvenience and frustration this situation may have caused you. I trust this letter adequately clarifies the outcome of our investigation. Should you have any further inquiries or concerns, please do not hesitate to reach out to our Risk ********************* directly at ************.
  
  
  Sincerely,
  
  *********************
  Chief Experience Officer

• Initial Complaint

  01/30/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I'm not reliable for this debt with KINECTA Federal Credit Union. I do not have a contract with KINECTA Federal Credit Union they did not provide me with a contract as requested. Correction to my credit report, I demand this account be removed from my credit report.

  Business response

  02/06/2024

  February 6, 2024
  
  
  ********************
  VIA BETTER BUSINESS BUREAU ****************** writing in response to the complaint you filed with BBB in relation to a debt reported by Kinecta Federal Credit Union to your credit report. When we received your letter, I asked my team to investigate the situation. This letter provides the results of our investigation. 
  
  Our records indicate that on 02/03/17 you opened a membership with Kinecta Federal Credit Union and applied for a personal loan on that same day. The personal loan was approved for $800.00 with monthly payments of $64.56. Between 02/17/2017 through 03/31/2017 payments of $64.56 were received via ACH. Afterwards, payments began to return due to nonsufficient funds (including the 03/31/2017 payment). The last attempted payment was on 05/12/2017, which was also returned due to nonsufficient funds.Eventually, your personal loan was charged off on 07/06/2017.
  
  On 12/10/2021, our ************************* received your identity theft claim for the charged off personal loan in the amount of $800.00.
  
  The following certified letters were mailed to the address listed on the Equifax dispute. However, no response was received from you.
  
  12/10/2021 - ID theft #1 letter and Identity Theft Affidavit mailed.
  USPS tracking #****-9999-9170-3133-8049-52.
  12/28/2021 - ID theft #2 follow up letter mailed.
  USPS tracking #****-0090-0027-6196-2983-19.
  01/10/2022 ID theft #3 letter sent through regular mail.
  Case closed as no response was received. 
  
  Please contact our ************************* directly at ************ if you would like to re-file an identity theft claim.
  
  
  After a thorough review of your account, we determined our credit reporting is accurate. Therefore, Kinecta Federal Credit Union will continue to hold you liable for any amount owed under your name.
  
  
  Sincerely,
  
  *********************
  Chief Experience Officer

• Initial Complaint

  01/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On 1/8/24 I went to the branch located at ***************************. *********, ** *****. I went in to ask for my most recent statement (December 2023). I was working with teller ****************** and she repeatedly asked me what I needed my statement for. Since I felt this was none of her business, I told her I just needed it. Since I refused to tell her my exact reason for needing my statement, she proceeded to tell me that Decembers statement was not generated yet and that she could only give me Novembers statement. The manager ****************** then stepped in and asked ******* to send her my information and she then affirmed that only Novembers statement had been generated. Later that day I returned home to find that the December statement actually had been generated and was delivered in the mail on this same day. On 1/9/24 I returned to the branch and asked both women if someone receives Decembers statement in the mail, does that mean its been generated and is available for them to print. They quickly answered yes, it would be available for them to print. When I reminded them of their refusal to print it the prior day they claimed that the statement must have been in another system and that they did not look in that system. This is not the first time Ive gone to a Kinecta branch and have been told something that is not truthful simply because the teller did not like my refusal to not share information that was not their business. *** been a member for over 15 years and I no longer want to do business with this bank and their unprofessional employees.

  Business response

  02/08/2024

  February 7, 2024
  
  ***************************
  VIA BETTER BUSINESS BUREAU PORTAL
  
  I apologize for the difficulty you experienced obtaining your December 2023 account statement from our ********* ****** ********************** Upon receiving your letter, I instructed my team to investigate your situation.
  
  While our goal is to ensure statements are available on the 1st of business day of each month via online banking, there can occasionally be a slight delay of up to 7 days before they are posted to our core system for the branches to access. So,while you could have viewed it online immediately, there was unfortunately a backend delay before it reached our branch system. I understand this discrepancy between the online and branch availability was frustrating and regrettably led to your making an extra trip back on January 9th.
  
  In the future, please know that you always have the option to access statements immediately through our online banking platforms. We value your membership, and I am truly sorry for your experience. We truly appreciate your membership and look forward to meeting your financial needs for many years to come.
  
  
  
  Sincerely,
  
  *********************
  Chief Experience Officer

• Initial Complaint

  01/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  This occured on 12/25, 12/26, and 12/27. On 12/25 I used the Kinecta app with the plan to send money to six people, two for $100, and four for $75. On 12/25 the system would only process three of my planned distributions. No reason shown as to why the other three would not be processed. When I called on 12/26 they told me there was a fraud concern on my account with no details and that I would be contacted.. No one ever contacted me. On 12/26 I tried again and two distributions were processed. Again no reason shown why the third request that day was not processed. On 12/27 the sixth one was finally processed. I made several calls and was told someone from Kinecta would call me to explain the problem. Too far no one from Kinecta ever called me. It took three days to make six distributions that should have been processed in one day. All went out in the to the people as originally attempted. These were all to people I had sent money to in the past via Zelle.

• Initial Complaint

  09/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On 09/16/23 I ************* go online to check my credit report. My Transunion report shows that I owe $921. I did owe Kinecta a $1000 loan of which in July 2023 I ************* paid off in full.This loan of $921 should not be showing a balance of $921 at all because I paid this loan off with Kinecta in July of 2023.

  Business response

  10/05/2023

  Thank you for letting us know about the incorrect credit reporting you noted in connection with your Kinecta loan. Accurate credit reporting is very important to us, so as soon as we received your BBB complaint, I asked my team to research your account.
  
  Our review of your account indicates that it was on 9/19/23 you notified us of your concern. That same day, we checked with the three credit bureaus and found that Transunion was, in fact, incorrectly reporting the account as open with a balance of $921. We immediately notified Transunion of the error and asked that it be corrected to reflect the account as paid/closed with a zero balance. That same day, we also sent you a letter notifying you of the correction. However, based on the date of your BBB complaint, it seems that perhaps you did not receive our letter on a timely basis, and we apologize for any misunderstanding or concern this may have caused. Following up on 10.2.23, we reconfirmed that the correction we requested was, in fact, made by Transunion.
  
  We truly appreciate your membership and hope this fully satisfies your concerns.
  
  Sincerely,
  
  *********************
  Chief Experience Officer
  
  

  Customer response

  10/05/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  07/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  BBB please send the attachment to the company with my complaint. Otherwise they'll have nothing to reference. I've heard too many times that companies don't get the attachments & have no idea what the complaint involves w/the limited wording here. My convos with them proves they don't know what the problem is. I've requested twice w/this being the 3rd & final time that they correct the paid off dates w/the credit bureaus on my paid off credit *********** loan. I ran my credit today & they're still wrong. I'm getting tired of complaining to the lender & the credit bureaus via the Consumer ************************* regarding such a simple is*** that is about to get the ** & the bureaus ***d. The law says that if they can't get the info correct they are required to remove the accounts permanently. They can't get it right, this is the 3rd strike & I want them all removed if they can't fix them from all credit bureaus. This is not rocket science but it's being treated as such. I will not hesitate to send the legal paperwork to the *** of the **. I don't think he'll appreciate being ***d for a simple fix that I'm asking them to do. Correct the dates & make sure they don't change again, you have the factual records in hand, remove all of the accounts from all 3 credit bureaus if you can't fix it by 8/16/23 or risk being ***d. It's that simple & I will follow through & send the *** all of the disputes I've done through the ***** the bureaus & to you directly. I'm certain someone will get fired. Like I said it's not rocket science. Fix it or remove it ASAP. Come 8/16 if it's still wrong the law suit is the next step straight to the ***. I don't make idol threats. You're responsible by law to assure accurate info is reported to all of the bureaus at all times. That hasn't happened & it's not getting fixed. Your choice. Go ahead & tell me to *** because I'll be sure to tell the *** who said it. Not a threat but a serious promise. ***** in your court.

  Business response

  07/27/2023

  Thank you for letting us know about the continued difficulties youve had with your Equifax credit report and sharing the attachment detailing your concerns.Accurate credit reporting is very important to us, so it was very disappointing to hear of your experience with Equifax.
  
  We have reviewed your account and submitted a request to Equifax on 07/21/23 to ensure the closed/paid in full date remains 08/24/22. However, Kinecta is not able to revise the Last Reported Date. We can only report the date the loan was closed/paid in full. According to the credit reporting agency, when a consumer files a dispute it triggers an update at the agency -- such that the date of the consumers dispute (rather than the date a lender indicates the loan was closed/paid in full), becomes the Last Reported Date on the account.
  
  With regard to your credit card account, we have sent an update request to TransUnion to reflect the Last Activity date of 06/16/15. On 7/27/23 we confirmed with TransUnion that once our update is received, the Date Last Active will be changed from 07/07/17 to 06/16/15. As noted above, the Equifax record will not be changed due to their policy.
  
  I hope this clarifies the changed dates on your credit report, and provides assurance that Kinecta has provided correct payment information for your account. I also recognize that credit reporting agency procedures can,unfortunately, be confusing and would encourage you to reach out directly to the credit reporting agencies for a more detailed explanation of their procedures and how you can most effectively ensure consistency among the three agencies.
  
  Sincerely,
  
  *********************
  Chief Experience Officer

  Customer response

  08/02/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.Thank you, thank you! That's all I'm asking you to do. The Consumer ************************* cannot contact you as they said you're not registered to receive complaints from them. You may wish to register. Consumers filed numerous complaints with the **** including me, that the bureaus are changing information illegally on our reports and tanking our credit scores. Equifax has done this with all of my credit reflected on their report. TU and Experian have been guilty of this too, but not to the extent that Equifax has been doing it. I've been going back to the creditors to get it fixed, because the bureaus lie to the **** then send me something that "fakes" a correction. Then when I run my reports on the 16th of every month, the information is still being reported incorrectly. I've been fighting these inaccuracies with the credit bureaus for almost 2 years. What they keep doing is creating more problems by worsening the situations and not correcting the information. When the creditors don't pay attention or respond, I take the BBB avenue to get someone higher up's attention to correct it. I've been running into a lot of issues where the staff is not credit trained at most creditors, and is unclear on how to correct information, or respond to disputes. My credit scores suffer because of it. I'm very persistent and won't quit until I find the person that can get me results! I didn't want to include you in a law suit against the bureaus, because it looks like that's the direction this is going if Equifax continues to report information inaccurately, and creditors don't respond to the disputes I send them. I've had a bevy of problems with that, trust me. The **** is not really a reliable source right now because they just had a recent scandal, where an employee stole ******* complainants information and sold it on the black market. That made it to the national news! That was discovered last month. I also filed a complaint against the **** with my local Congressman, because the **** has failed miserably at handling my complaints against the bureaus effectively, failed to follow FCRA laws or enforce them, for the past 2 years. They automate everything and no humans ever touch it. That's how their employee was able to get away with theft. If no one is minding the hen house the Fox will get in! I'm sorry I had to use this venue to get someone's attention but I want this information corrected once and for all. The last reported date is the date it was paid off. That's what it was showing as prior to, and that's what it should be reported as now. I also want to make sure that Equifax and TU remove any comments stating I'm "disputing their investigations". They're attempting to make creditors think I'm cleaning up my credit which I'm not. I'm forcing the creditors and credit bureaus to correct the errors they're making on my credit. You may not realize it but every time they report inaccurate information whether it's balances, dates or throwing inaccurate dispute comments on my credit, it lowers my scores considerably. I'm really tired of playing this cat and mouse game with the bureaus, especially Equifax since they have been the biggest violator, that I have to eventually take legal action against them. Unfortunately they don't care because the bureaus get sued all the time. I'm hoping I can avoid that. That's why I'm doing whatever I have to in order to alert creditors of the problems I'm experiencing. The info was being reported correctly but the bureaus have been changing it. Now every time I order my report from my monitoring service which includes my FICOs, I have to review every single account on it to make sure nothing is different, or has been changed. It's tedious but I don't like surprises, good or bad and I stay on top of my credit, unlike most Consumers. Again, thank you for taking care of this and most importantly for finally responding. I'm hoping the changes will take effect by the time I run my reports again on 8/16. If not, then Sept. Have a great day Sir!
  
  Sincerely,
  
  ***************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩