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Complaint Details
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Initial Complaint
10/15/2021
- Complaint Type:
- Billing Issues
- Status:
- Resolved
During the months of September, October, November, & December of 2020 along with February of 2021 Commonwealth Reported to the credit bureau that I was late on my auto loan payment when this was not correct. I have not missed one payment that I was contractual obligated to pay for the life of the loan. They continue to report inaccurately to the credit Bureau and refuse to take these late payments down. The information they sent attempting to support there claim of late payments show the orginal loan documentation showing my payment as $276, all bank account transcripts shows those payments where made on time every month.
Business response
01/13/2022
Business Response /* (1000, 5, 2021/10/28) */ This letter is in response to the complaint filed by our member ***** ***** regarding past due loan payments for September 2020 through December 2020 and February 2021. This newest dispute from your office is substantially similar to those submitted previously through the credit bureaus or directly to us. We investigated, responded, and met our obligation under the Fair Credit Reporting Act. Mr. ***** made disputes through e-Oscar on 05/24/2021, 05/27/2021, 08/23/2021, 09/16/2021, and 10/19/2021. The account history was reviewed and was "Accurate as reported." Our review of this account concludes it Accurate as Reported and no further review is needed. If you would like detailed information regarding the specific account history, please let me know. Consumer Response /* (3000, 7, 2021/11/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) To whom it may concern, I have never received any documentation from Commonwealth Credit union supporting any payments being late. A detailed letter was sent to Commonwealth Credit Union requesting whatever evidence they had of late payments, the only documentation sent was a letter attached with the original signed Loan agreement stating my monthly obligation being $276. I also requested a log from CCU that showed all the payments I've made over the life of the loan & this was sent directly to me. I attached the document to this complaint & It clearly shows that there has never been a missed payment of $276, with some months being in excess of the minimum payment. The only period where no payment was recorded is when CCU offered Forbearance to those affected by the Pandemic. Commonwealth continues to report inaccurate data to the credit bureaus and is in direct violation of the Fair Credit reporting Act. Furthermore I have an additional (2nd) Auto loan with CCU that is Identical to the (1st) Auto loan with inaccuracies, that has Identical terms. Both are also on auto draft, However my (2nd) auto loan has no recorded late payments which indicates a clear discrepancy. CCU willfully continues to report this inaccurate data, without providing any relevant evidence to me upon multiple requests. I am willing to file complaints with multiple regulators, & even bring a suit against CCU for willfully violating the FCRA & my rights. I would much rather CCU work with me, to help remedy this issue so I can continue to be a customer in the future. So let's please work to solve this together Business Response /* (4000, 9, 2021/11/05) */ This letter is in response to the complaint filed by our member ***** ***** regarding past due loan payments for September 2020 through December 2020 and February 2021. After reviewing his account, we agree to adjust the credit reporting for the late payments. I contacted Mr. ***** and made him aware of our decision. Mr. ***** thanked us for working with him on this issue. If you have any questions, please let me know. Consumer Response /* (4200, 11, 2021/11/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) Hello, Please forward corresponding documentation of our resolution (removal of all late payments to all bureaus that apply) to my email CCU has on file for legal and record keeping purposes. Thank you for assisting me with reaching a mutual resolution. Business Response /* (4000, 13, 2021/11/15) */ This letter is in response to the complaint filed regarding past due loan payments for September 2020 through December 2020 and February 2021. After reviewing your account, we agree to adjust the credit reporting for the late payments. If you have any questions, please let me know. Consumer Response /* (2000, 15, 2021/11/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)Initial Complaint
08/28/2021
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
This happened in 8/21 or 9/21. My home loan was very low & I was so happy. My September pymt the principle went up $1500 to $2000 on the statement. I remember my statement went down to 13,000- I think higher 12, 000. I checked my balance with the bank, they stated it matched the 9/21 statement which was 14,900. This would mean someone change the documents in my house, as well as the CCU computer. I don't understand how or why? I complained to the loan department& Vice President that he had a computer problem. I have no proof & this is the 2nd time CCU house loan documents was changed in my home. The last time it ended up okay. They did waive the interest on one of my loans, after losing a job quite a few years ago. This was an offer and I paid with my lump sum I got. I don't agree with changed documents in my home. Yes, I have had other documents stolen as well. I would love it fixed-but, how do you figure out something this crazy? I am concerned with pay offBusiness response
10/27/2021
Business Response /* (1000, 5, 2021/09/09) */ This letter is in response to the complaint filed by our member, ****** *****. Ms. ***** states in her complaint that her loan balance changed in August or September. Our records indicate the balance and transaction information is: Trans. Date: Trans. Amt Balance 7/2/2021 $510.26 $$15,349.80 8/3/2021 $510.26 $14,900.30 9/2/2021 $510.26 $14,449.02 Our system notes do not indicate any recent contact with Ms. ***** about her account. We will reach out to Ms. ***** to review her account history and to answer any questions she has about her account. If you have any questions, please contact me at your convenience. Sincerely, ****** *********** VP of Lending
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Customer Complaints Summary
14 total complaints in the last 3 years.
3 complaints closed in the last 12 months.