Complaints

This profile includes complaints for First Savings Credit Card's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  First Savings Credit Card

  500 E 60th St N Sioux Falls, SD 57104-0478

  
• 

  First Savings Credit Card

  PO Box 5019 Sioux Falls, SD 57117-5019

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:01/07/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. FIRST SVG CC ACCT #: **************** BAL. $415.00 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business Response

  Date: 01/14/2025

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you believe inaccurate information is being reported to the credit reporting agencies about this account. You are requesting documents provided to verify the information being reported to the credit bureaus is accurate or have the account deleted from your credit profile.
  
  In your letter, you indicate we must provide copies of contracts and other documentation. We believe you are referencing the validation of debt requirements within the Fair Debt Collection Practices Act; however, First Savings Bank is not a debt collector by definition under this Act. As a gesture of goodwill, enclosed are copies of the monthly billing statements, which will reflect the payment and purchase history. Because the account was applied for online, no physical application is available. However, the information from the application is retained in our files and a copy of the Application Detail screen is enclosed.  
  
  Regarding our credit bureau reporting, our records indicate on March 8, 2022, we received an online application in your name, with the Social Security Number ending in ****. Your identity was validated, the application was approved, and the above referenced account was established. The account was used for purchases and the last payment in the amount of $30.00 was posted on October 7, 2022. The account subsequently charged off due to non-payment on February 12, 2023 with a balance owing of $415.45.
  
  We have completed our investigation and have confirmed the information that has been reported is an accurate reflection of the way the account was maintained. The information reported to the credit bureaus needs to be accurate to maintain the integrity of the credit reporting system. Therefore, we are unable to grant your request to remove or alter the information being reported on your credit profile.
  
  If you continue to believe the information is inaccurate, please send us a detailed letter explaining specifically what you believe is inaccurate and copies of any documentation you may have to support your position, for us to investigate further. Please send this information to:
  
  HUE/First Savings Credit Card
  ** *** ****
  Sioux Falls, SD 57117-5019
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at *************

  Sincerely,* *****

• Initial Complaint

  Date:10/22/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, I am just trying to get a copy of a 1099 C debt of cancellation so i can file an amended tax return form 1040X. Because this company sent the cancellation of debt to IRS i am required to report it and add it to my taxes. there is one issue here i never received a copy of the 1099 c and when i call IRS they are saying i need to call the company to get it. i also changed my address long time ago and i believe if this was sent it might have been sent to an old address i had 5 or 6 years ago. I have been calling these people for the past 4 months and nobody can assist me they keep transferring me to financial assistance and when i explain they said okay we will send it and i never received anything. At this point i am gonna have to send a letter to IRS to let them know i never received this so they can investigate because nobody can help me.

  

  Business Response

  Date: 10/25/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you did not receive the 1099-C Cancellation of Debt Form for your First Savings Credit Card account and claim that no one you have contacted has been able to assist you. Our records do not show that we have received any telephone calls from you regarding your account. Per your request, a copy of your 1099-C Cancellation of Debt Form for 2022 is enclosed.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at ************.

  Sincerely, 

  * *****

• Initial Complaint

  Date:08/26/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In May I paid an annual fee of $75 and in August they are charging me a second annual fee of $75. If they had been upfront about continuing to charge annual fees throughout the year I would have kept my $75 and closed the account. This is predatory lending in my opinion. ANNUAL means yearly. Not as many times a year as they decide -AFTER they’ve already collected your money. Shady. Bad business practices. If this isn’t resolved I’ll take it to the attorney general and let complaints stack up until the company is forced to act right.

  

  Business Response

  Date: 08/29/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate that your account has an Annual Fee of $75.00, but were notified recently that there was going to be an additional fee added to the account. You state that you would have closed your account instead of paying the Annual Fee if you had known and are requesting a refund of the $75.00.
  
  Our records show that you were sent a Change-of-terms letter, which explained a monthly fee of $6.25 would be added to the account, which would total $75 annually. This is in addition to the Annual Fee of $75.00 that bills once a year. In this letter, we explain that you can opt out of these changes and the account will be closed. On August 27, 2024, you contacted us and closed your account; the Annual Fee of $75.00 was credited. Your credit balance check for the $75.00 was requested and this should arrive within the next 10-14 days. 
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at ************. 
  
  

• Initial Complaint

  Date:08/02/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have come across a hard inquiry on my credit from First Savings Credit Card I have not nor will I ever apply to any credit related products from First Savings Credit Card Please remove the inquiry from my credit report asap.

  

  Business Response

  Date: 08/07/2024

  Enclosed is the response for ********* *******. Thank you

  Customer Answer

  Date: 08/07/2024

   
  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

  Date:08/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has inaccurately reported information on my credit report. Despite my attempts to contact them to correct the information, they have ignored my requests. I am seeking the following: Original Contracts: Copies of any original contracts or documents used to verify the legitimacy of the disputed information. Verification Procedures: Detailed procedures your organization has in place to ensure the accuracy of each account.

  

  Business Response

  Date: 08/09/2024

  Enclosed is the response regarding ******** * ******** concerns.

• Initial Complaint

  Date:07/29/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear Sir/Madam, I am writing to dispute an account listed on my credit report that I believe is the result of identity theft. The details of the account in question are: Creditor Name: CCS/FIRST SAVINGS BANK Opened Date: 5/1/2019 Account Number: ************ Higher Credit: $887.00 This account was not authorized by me, and I have no knowledge of it. I am a victim of identity theft, and I have already contacted the credit reporting agencies to place a fraud alert on my credit file. I request that you investigate this matter and remove the unauthorized account from my credit report. Please confirm receipt of this letter and inform me of the results of your investigation.

  

  Business Response

  Date: 07/31/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate that you are disputing this account that is appearing on your credit bureau report and believe that it may have been opened fraudulently as you have no knowledge of it. You are requesting this be investigated and the account removed from your credit bureau report.
  
  Our records indicate on May 1, 2019, we received an online application for a First Savings Credit Card in the name ******** * ***** with the address **** *** ** *** *** ******** ** ***** and the Social Security Number ending in ****. Your name, address and Social Security Number were verified as a match against your credit report, so the application was approved and the account was established. The account was used for purchases and payments made, and the account subsequently charged off due to non-payment on December 27, 2019 and has a current balance of $630.94. Because the application was received online, no physical application is available. However, the information received on the application is retained in our files and a copy of the Application Detail screen is enclosed.
  
  If this account was truly set up without your knowledge or consent based on a fraudulent application, please complete and return the enclosed Affidavit of Unauthorized Use. Please also respond, in writing, to the following questions:
  
  Who at your previous address **** *** ** *** *** ******** ** *****-**** would have had access to your Social Security Number and date of birth in order to provide this information on the application?
  Who at this address would have daily access to receive your mail including the offer of credit, credit card, and mail from us without your knowledge?
  Please also answer, who would have made payments on your account from Industrial Bank account ending in ****?
  
  Upon receipt of this information, we would be happy to investigate further. Without this information, we must assume the account is yours and you remain responsible for the $630.94 that is owed on the account.
  
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at *************
  

• Initial Complaint

  Date:06/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to file a complaint against TransUnion for inaccurately reporting a charge-off with a balance from First Savings Credit Card on my credit report. This charge-off is not my debt, and its presence on my credit report, including the reported balance, is a violation of the Fair Credit Reporting Act. - A charge-off for $836 from First Savings Credit Card, and ****** State Bank for $496 appears on my TransUnion credit report. - A charge-off is an accounting procedure done by a lender when they deem an account uncollectible - it is not an actual debt that is owed by the consumer. The original debt has been written off by the lender. - The reporting of a balance amount along with this charge-off is improper, as a charge-off indicates the debt is no longer owed. - The appearance of this fraudulent charge-off and balance on my credit report is causing significant damage to my credit score and creditworthiness. This reporting by TransUnion is a clear violation of several provisions of the FCRA: -Section 623(a)(1)(A) The reporting of this fraudulent charge-off with a balance is neither complete nor accurate, as I do not owe this debt. -Section 611(a)(1)(A) requires that consumer reporting agencies, "conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate." TransUnion has failed to properly investigate this issue and remove the inaccurate information from my report. -Section 605(a)(2) requires that this fraudulent charge-off should have been removed long before appearing on my current credit report. I have made several attempts to have TransUnion remove this erroneous item from my credit report, but they have failed to do so. This inaccurate reporting is causing significant harm to my creditworthiness and ability to obtain credit, housing, and employment. I am requesting that the FTC investigate this matter and take appropriate enforcement action against TransUnion to have this permanently removed from my credit report.

  

  Business Response

  Date: 07/05/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate that inaccurate information is being reported to TransUnion about this account because you believe this debt is not yours. You believe that since the account is a charge-off, it cannot be reported to the credit bureaus and are requesting the account removed from your credit profile. You also indicate that you are disputing an account from *****t State Bank. First Savings Credit Card is issued by First Savings Bank and is not affiliated with ****** State Bank.
  
  Regarding the First Savings Credit Card account ending in ****, our records indicate on December 1, 2019, we received an online application in your name with the above listed address and the Social Security Number ending in ****. Your name, address and Social Security Number were verified as a match against your credit report so the application was approved and the account was established. The account was used for purchases and the last payment in the amount of $61.54 on May 2, 2022. The account subsequently charged off due to non-payment on August 9, 2022 with a balance of $836.73. As we explained in our previous letter dated April 22, 2024, when you applied for and accepted the account, you agreed to the account terms, which explains that any balance at the time of closure or charge-off, which will remain. Per this contract, you also agreed that we may report account information to the credit reporting agencies in your name. A copy of your credit card contract is enclosed.
  
  We have completed our investigation and have confirmed the information that has been reported is an accurate reflection of the way the account was maintained. We are unable to act upon your request as the information reported to the credit bureaus needs to be accurate to maintain the integrity of the credit reporting system.
  If you truly believe this account was set up without your knowledge or consent based on a fraudulent application, please complete the enclosed Affidavit of Unauthorized Use and also respond, in writing, to the following questions:
  Who at your current address of *** ****** *** Savannah, GA 31401 would have had access to receive the original offer of credit and be able to provide your Social Security Number and date-of-birth in order to provide accurate information when accepting the offer
  Who at your address would have been able to receive your mail daily before you in order to receive the credit card, monthly statements, and other correspondence without your knowledge
  Please also answer, who would have made payments on the account from a ****** Bank account ending in ****
  
  Upon receipt of this information, we would be happy to investigate further and may have additional questions. Without this information, we must assume the account is yours and you remain responsible for the $836.73 that is owed on the account.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at ###-###-####.

• Initial Complaint

  Date:06/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  There was a late payment due to an account I thought was closed from an annual fee. I called last year to close my credit card and left it with a 0 balance. I had a 0 balance for over a year. I was charged an annual fee and never recieved a bill. Once I received notification I paid right away and they even removed the late payment.

  

  Business Response

  Date: 06/12/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  I understand from your correspondence that you believed your First Savings Credit Card account had been closed last year, however the Annual Fee still billed this year and the account was reported 30 days late to the credit bureaus. You contacted us to pay the balance and the late fee was removed. You are requesting the late payment removed from your credit report.
  
  We have no record of receiving any telephone call or correspondence where you requested your account closed. Currently, your account is still open and the Annual Fee will bill every March while the account is open. If you would like to close your account please contact us by mail or phone to make this request.
  
  Regarding our credit bureau reporting, our records indicate your Annual Fee billed on March 19, 2024. No payment was received for your April 13, 2024 due date. Since the account was past due, we attempted to contact you by telephone at the phone number ###-###-####, which you included in your complaint. On April 30, 2024, we spoke with you on the telephone and you indicated that you would make a payment online and requested the Late fee waived. The late fee was credited per your request. Our records show that you logged into your online account on the same day and reviewed your statement, but no payment was made. On May 11, 2024, we spoke with you on the telephone and you said that you would make the payment online. No payment was received for May 13, 2024 due date. When the account cycled following the 2nd missed payment, the account was reported 30 days late to the credit bureaus.
  
  In addition to telephone calls, we sent your monthly billing statements to you at the address on file, which is **** ****** **** Dr. West Palm Beach, FL 33417-1183. None of these statements were returned to us. We also sent text and email alerts, advising the account was past due, prior to the account being reported late to the credit bureaus. If this address is no longer valid, please contact us or go online to update this information. We also sent text and email alerts, advising the account was past due to ###-###-#### and ********************, which you list as your contact information on your complaint.
  
  Thus, we find that the information being reported to the credit bureaus about this account is an accurate reflection of how the account was maintained. The information reported to the credit bureaus needs to be accurate to maintain the integrity of the credit reporting system and we respectfully decline your request to remove the information being reporting to the credit bureaus.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at the phone number on the attached letter. 
  

  Customer Answer

  Date: 06/20/2024

  
  Complaint: ********
  
  I am rejecting this response because: If you see there is no activity on the account which led up to the card expiring. I never received a new card and I called with my assistant to close the account sometime in 2023. Due to the fact this card had no activity and the card expired this should show how I was not using the card. This is not how I maintain my credit history. I keep all my records in good standing. My score was well in the 700's prior to this happening. 

  If they were able to remove and refund the late fee all I am asking is for a good will adjustment to remove the late payments from March and April. 

   

  I am looking to buy a house and this is the only item affecting me and my family. My family relies on my income and I work very hard to keep a good standing. Please find it in your heart to approve my request. 

  
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:05/01/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this account from my credit report. Please help me in this matter. ---------- FSB ***** opened On - 12/21/2016 Account Number -****************,------------

  

  Business Response

  Date: 05/09/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate you are a victim of identity theft and noticed unauthorized activity on your credit profile. You are requesting this account removed from your credit bureau report since you believe it was fraudulently established.
  
  Our records indicate on December 21, 2016, we received an application in your name, with the above listed address, and the Social Security Number ending ****. Your name, address and Social Security Number were verified as a match against your credit report so the application was approved and the account was established. The account was used for purchases and subsequently charged off due to non-payment on July 29, 2018. A settlement was completed on the account with a payment in the amount of $368.00 received on February 15, 2019 and the account was settled. The account will reflect as charged off and settled for less than the full balance to the credit bureaus. In response to your credit bureau dispute claiming the account was fraudulent, we sent you a letter on December 9, 2023, explaining the account had been settled and we find the information being reported is accurate.
  
  We have reviewed your account and find the information being reported to the credit bureaus is accurate. The information reported to the credit bureaus needs to be accurate to maintain the integrity of the credit reporting system; thus, we are unable to grant your request to remove or alter the information being reported to the credit bureaus.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at the phone number on the attached letter.  
  

• Initial Complaint

  Date:04/13/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have not used this card in 12 years. I forgot I even had this card as I don’t have a physical card in my possession. I did not see a paperless bill from the company that was sent in January 2024 charging me an annual fee of $75.00. In fact, I saw the paperless bill in March 2024 in my email as I was scrolling through. I immediately contacted First Savings and explained I should not be charged a fee as my card should have been cancelled to due the normal rule of inactivity of 12 years. They refused to waive the annual fee and I asked to cancel this card specifically due to having other credits cards that do not charge an annual fee to use them. They canceled it and credited the fees back resulting in a closed account and no financial failure (waived fees) leaving the balance to zero. I happen to be looking at my credit score on 4/12/24 and noticed I my score had dropped ti the 600’s!!!!! I have not been late on any charges on any bill in many years. My credit score ranges between 750’s and 850’s consistently. I pride myself on my financial reputation and was devastated to see First Savings had reported and placed “late payments” on my credit report. Had I made purchases and not paid I could understand and accept this BUT I did not fail to pay on any charges I had made. I don’t feel I should have my financial reputation damaged in any way because of the following reasons: My card was not used in over a decade for ANY reason and feel it should have been automatically canceled due to dormant activity. I canceled the card and was still reported as late (twice) and has now devastated my impeccable credit history. I should not have to suffer with my credit score having had impeccable history as well as the reasons above. I feel I was cheated out of my hard earned credit. This travesty, I fear will cause my ******** ******* as well as my Black card to be cancelled at my yearly review.

  

  Business Response

  Date: 04/23/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate you had forgotten about your First Savings Credit Card account and believe you have not used the credit card in twelve (12) years and thought it should have been closed previously. The Annual Fee billed and you did not see the paperless statement notifying you of this until March, when the account was past due. You contacted First Savings to have the account closed and all the fees were credited; you are requesting the late payment be removed from your credit bureau report since it has affected your credit score.
  
  Regarding your claim that the account has not been used for twelve (12) years, our records show the account was opened on December 1, 2011 and your account was last used for transactions in July of 2015. Your Annual Fee has billed every January, and since 2016 to the present, it has been paid to a $0.00 balance shortly after billing. Thus, we find there has been activity on the account and we have not received any correspondence from you requesting the account be closed. When we spoke with you on the phone on March 15, 2024, the account was closed and all interest and fees were credited. The account is closed with a $0.00 balance.
  
  In reference to our credit bureau reporting, our records show the Annual Fee billed on January 8, 2024; when no payment was received for either the February 2, 2024 or March 2, 2024 due dates, the account was reported 30 days past due to the credit bureaus on March 9, 2024. Copies of these statements are enclosed for your review. Prior to the Annual Fee billing, we sent a monthly statement advising your Annual Fee would bill the following month. Subsequent billing statements were prepared and sent to you showing when the Annual Fee billed and when the account fell past due. Notification of these statements were sent to you at ************************. In addition to monthly statements, we also emailed you notifications advising the account was past due, and attempted to contact you at the numbers on file, ************ and ************* but we did not reach you. We also sent a letter notifying you the account was past due on February 22, 2024 to the above listed address. We do not show where this letter was returned to us as undeliverable.
  
  Based on this information, we are unable to remove the late payment being reported to the credit bureaus, as the information reported to the credit bureaus needs to be accurate to maintain the integrity of the credit reporting systems and we find the information reported is accurate.
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at the phone number on the attached letter.

  Customer Answer

  Date: 04/25/2024

   
  Complaint: ********
  
  I am rejecting this response because:

   

  my credit report was “dinged” twice The second time was the very month it was canceled.   I want my credit report corrected.  
  not only was it reported in February, but it was reported in March as well.  Injuring my credit!
  
  Sincerely,
  
  ******* *******