ComplaintsforFirst Savings Credit Card

• Initial Complaint

  06/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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

  06/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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 response

  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

  05/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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

  04/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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 response

  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,
  
  ******* *******

• Initial Complaint

  04/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I still have not received written confirmation of the actions that was mailed to First Savings Credit Card on Jan 13th, Feb 25th, and March 18th. As I mentioned to them, I am a victim of identity theft. I recently learned that my personal information was used to open an account with them. They have been no help what so ever and have only stated back to me that their information matches mine. How do they think identity theft works? I did not open or authorize this account, and I requested that it be closed immediately and the trade line removed from my credit profiles. In my correspondence I had enclosed a copy of my FTC Identity Theft Report. Because the information they are reporting is the result of identity theft, and inaccurate, I requested that they stop reporting this information to the CRAs, as directed by section 623(a) (1) (B) of the Fair Credit Reporting Act, 15 U.S.C. § 1681s-2 (a) (1) (B). I asked that they take these steps as soon as possible. I also enclosed a copy of the FTC's Notice to Furnishers, which explains their responsibilities when reporting information to CRAs. I had asked that they stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. I further request that they please send me a letter explaining their findings and actions. The only response back from them was simply that their investigation is closed.

  

  Business response

  04/19/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate that you have previously disputed this account as fraudulent, but believe you have not received an adequate response. You indicate that the information on the application matches due to identity theft and are requesting the account closed and removed from your credit profile. Our records show that the account charged off due to non-payment on March 29, 2023; thus, the account is no longer open.
  
  Our records show that we have responded to your correspondence on January 22, 2024 and March 1, 2024 and responded to your credit bureau disputes on January 23, 2024 and March 7, 2024. As we explained in our previous correspondence, we found that your name, address, Social Security Number, and email address all match the application received on the account. We advised that due to this, we must assume the account is yours. We requested that if you continue to believe you did not open this account, please provide us with information and details about who at your address could have committed this fraud. To date, we have not received additional information in response.
  
  If this account was truly set up without your knowledge or consent based on a fraudulent application, please respond, in writing, to the following questions:
  
  Who at the above listed 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 to apply, credit card, and mail from us without your knowledge
  The email address you provided in your previous correspondence and on your Better Business Bureau complaint, ********************** matches the email address included on the online application. Who would have regular access to your personal email to receive the notification that the account was approved and other emails from us prior to you and without your knowledge
  Please also answer, who would have made payments on your account from ***** Bank account ending in **** and a ******* 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 $298.90 that is owed on the account. Our current investigation into your fraud claim found you liable. Thus, at this time, we are unable to act upon your request to remove the account from your credit profile as the information reported to the credit bureaus needs to be 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. 

• Initial Complaint

  04/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a credit card with frist savings credit card and last year is when all these issues started I have always prior to these issues paid my credit card payments on time an every year in August paided them off completely well around February or March of 2023 I had a severe medical emergency an was hospitalized several times an had to have 2 kidney surgerys so I had contacted them at that time letting them know that I would be missing a few payments an if I could catch up when I got out they told me that was fine that to just call them when I get home an recover to contact them an they would take care of everything and not to worry they could put me on a payment plan if needed an take are of the fees so in July 2023 I did just that I contacted them on 7/4/23 an spoke with a lady she said after explaining everything that was going on she said oh I can even do better we have a program with world health program that will cover the most of the two hundred an something u have missed an u only have to pay 45 dollars now an then it would be back to my normal 30$ minimum payment every month they would take out of my bank every 4th so that's what I did then about 3 days later I realized the money had not come out of my account so the 7/6/23 I called i spoke with a lady because my credit account was back showing that they added the 121$ they took off as well an she said that she canceled the 45$ because she forgot to give me the 3/4 months of late fees so with that I didn't need to pay the 45 so my balance was now when she fixed it would show my balance is only 450 to check in a few days I even said please get a supervisor to make sure an the supervisor said everything is correct so I continued making my 30-45$ monthly payments when due then I noticed several months later my account kept saying I owed way more and many fees added so I spoke with many supervisors they promised to fix an call back an don't my balance should only be$275/300 I have all documents/names fix now

  

  Business response

  04/17/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate that due to medical issues you fell behind on your payments and contacted us in July 2023 and believed that we would place you on a payment plan that would take care of your missed payments, and you would make a payment for $45.00. The representative credited three (3) late fees, which caused the payment of $45.00 to be cancelled. You have contacted us several times since then because you believe the balance is incorrect and are requesting an adjustment to your account and credit bureau report. Our records show that we have spoken with you on several occasions regarding this issue and also made several call-back attempts; however, we have been unable to reach you or leave a message since your voicemail inbox is full.
  
  To clarify, our records indicate on July 3, 2023, we spoke with you and enrolled you in our Natural Disaster Financial Assistance program. This program waived the minimum amount due for up to three (3) months; however, this program does not reduce the balance due on the account. As indicated on the enclosed statement, a debit and credit adjustment are posted the same day to eliminate the minimum payment due; this is labeled NATURAL DISASTER ADJ.
  
  I have reviewed your payment history and your account was current following the enrollment in our Natural Disaster Financial Assistance program. Our records show, the account fell past due when no payment posted for your October 4, 2023 due date. In November, December, and February, payments were made; however, only the past due amounts were paid. No payments were received for the January, March, and April due dates. Due to payment activity, the account has continued to accrue late fees and interest, which has increased the balance. Below details this payment history and copies of your monthly statements are also enclosed for your review.
  

  Payment Due DateMinimum Payment Due (Includes the amount Over the Credit Line)Payment Amount to Avoid Late fee
  Amount Past DuePayment Posted DatePayment Amount
  8/4/2023$74.28$30.00$08/4/2023 $30.00
  9/4/2023$58.34$30.00$09/6/2023 $30.00
  10/4/2023$82.00$45.00$0No payment
  11/4/2023$167.62$91.00$45.0011/2/2023$45.00
  12/4/2023$215.53$94.20$46.0012/4/2023$45.00
  1/4/2024$162.31$71.00$24.00No payment
  2/4/2024$251.29$119.00$71.002/4/2024$71.00
  3/4/2024$196.52$95.00$48.00No payment
  4/4/2024$286.75$144.00$95.00No payment
  
  As these payment records show, the balance on the account as of today’s date is correct and the late fees have posted in accordance with the terms of your credit card contract. As a gesture of goodwill to assist you with getting the account back on track, we have issued credits for four (4) additional late fees totaling $100.00. These credits will appear on a subsequent billing statement and your minimum payment due for May 4, 2024 is $94.00. If this full payment is not received by 5:00 PM CST on your due date, you will receive a late fee and your account will remain delinquent. We are unable to issue further late fee credits to your account.
  
  Regarding our credit bureau reporting, we are unable to act upon your request to adjust the information reported to the credit bureaus as the information reported needs to be accurate to maintain the integrity of the credit reporting system. 
  
  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 response. 

• Initial Complaint

  04/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Over the last two months, I can not make a payment online on my due date because there has been technical issues on their end with the site on their end. I tried to call and there is zero assistance. I was told that they don't take payments over the phone. I am finally able to get back into my account after 5 PM eastern time but I can not make a payment on my due date. i In turn, I am forced to schedule the payment for the next day and I am charged a $25 late fee. I would like a refund of these late fees.

  

  Business response

  04/12/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate that you have not been able to make a payment online for two (2) due to technical issues with our website and believe you cannot make a payment over the telephone. Due to these issues, you indicate that you have needed to pay late and incurred two (2) late fees totaling $50.00. You are requesting a refund of the late fees.
  
  Regarding your most recent payments, our records show you scheduled your March 2, 2024 payment through our website at 12:57 PM CST. This payment was not late and no late fee was applied. On April 2, 2024, our records show there were no attempts to log on to the website until 6:33 PM CST and you successfully logged in and scheduled your payment at 7:36 PM CST. Since this was after 5:00 PM CST, you could no longer schedule a same day checking account payment. Your payment of $142.53 was scheduled for April 3, 2024 and a late fee of $25.00 was assessed.
  
  Regarding your claim that you could not make a payment over the telephone, we offer both Debit Card and ACH checking account payments over the phone and are open until 9:00 PM CST on weeknights. Our records do not show where you attempted to contact us on April 2, 2024 regarding your account. However, as a gesture of goodwill, I have credited the late fee that posted on April 2, 2024. This credit will appear on a subsequently monthly statement.
  
  Please keep in mind for future payments, that if it is past 5:00 PM CST, you can make a debit card payment through our website or over the telephone in order to avoid a payment from posting late. We also offer an Automatic Payment service, which you can enroll in through our website, over the telephone, or by mail.
  
  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 response

  04/12/2024

   
  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. I appreciate the refund of the late fee. I hope they take care of their systems as I did attempt logins and phone calls. 
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  03/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am reaching out to report a critical issue of identity theft involving my personal and financial information. Unauthorized use of my driver's license, Social Security Number, and credit/debit cards has occurred. I seek the urgent support in addressing this matter by facilitating investigations, ensuring the security of my accounts, and assisting in the removal of all fraudulent transactions and inquiries from my records.------------FIRSTSAVINGS BANK BLAZE Nov. 02, 2021 higherbalance$449,_----------

  

  Business response

  03/26/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your correspondence, you indicate that you have been a victim of identity theft after your wallet was lost or stolen and believe this Blaze account does not belong to you. You are requesting the account be removed from your credit bureau report.
  
  Regarding the above account, our records indicate on November 1, 2021, we received an online application in your name with your above listed address of ***** ***** ** **** **** ********* ** ***** with 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 $146.00 posted on May 7, 2023. The account charged off due to non-payment on October 9, 2023 with a balance owing of $449.65. 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. Also enclosed are copies of the monthly billing statements reflecting the account activity.
  
  If this account was truly 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:
  Since the address on the application, the account, and your correspondence through the Better Business Bureau are all the same, please explain who at your current 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 your current address would have daily access to receive the credit card and mail from us without your knowledge?
  Please also explain, who would have made payments on your account from a ***** ***** **** account ending in ****, * ****** **** account ending in ***** and a Debit card claiming it was in your name?
  
  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 $449.65 balance owing on the account.
  
  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.

  Enclosures: Letter, Affidavit, Application Detail, Statements

  Customer response

  04/12/2024

  I am reaching out to report a critical issue of identity theftinvolving my personal and financial information.Unauthorized use of my driver's license, Social SecurityNumber, and credit/debit cards has occurred. I seek theurgent support in addressing this matter by facilitatinginvestigations, ensuring the security of my accounts, andassisting in the removal of all fraudulent transactions andinquiries from my records.------------FIRSTSAVINGS BANKBLAZE Nov. 02, 202* *****************************

  

  Business response

  04/12/2024

  Business

  Most Recent Message

  Date Sent: 4/12/2024 11:48:49 AM
  

  This complaint is about a Blaze Mastercard, which the consumer mentions in the statement.

  This exact complaint previously was sent through the BBB as ID ******** and our response was sent March 25, 2024.I have attached that a copy of that complaint and response.
  

• Initial Complaint

  03/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My credit score dropped over 100 points, after 1st Savings Credit reported a late payment for an annual fee. A late should not be reported when they made no attempt to notify me of the annual fee until the account was 45 days late. I attempted to resolve my complaint directly with the company, their response included dishonest information, unfortunately I have to escalate my request. I have had this account many years and I always paid on time. My disagreement is the companies lack of effort to notify me of the annual fee so that they could report me late. I request that they remove the reporting because of their lack of effort to notify me of the annual fee prior to it becoming delinquent. 1. The annual fee was charged on 12/8/23. 1st Savings claims they made several attempts to reach me at my current number of ************* This is not accurate. I called their office on February 9th 2024 at 5:24pm and I updated my phone number. I was told that 516-305-4182 was the only number on file. That number is disconnected. I also checked my current phone records for many months, there is no record of any call or message from this company. 2. They do agree that they did not send me a letter notifying me that the account was delinquent until it was 45 days late. Clearly, they saw the need to contact me however, waited until I was 45 days late. 3. First savings states I have an online account that I signed up for on august 17 2017. I have not used that account in many years, because I owed NO money. First Savings states I can log in and reset password, that is no completely true. My card number is also needed to login. I do not use the card, I do not have the number. This company supports borrowers with credit issues. Since they have now destroyed my credit for the next 2 yrs, they increase the possibility I will use my card, which increases their revenue. No letter, no phone call, no notification should result in the removal of the late on the credit report.

  

  Business response

  03/20/2024

  This letter is in response to the correspondence we received from the Better Business Bureau.
  
  In your letter, you indicate that your credit score has been impacted due to First Savings Credit Card reporting a late payment to the credit bureaus. You believe you were not notified of the Annual Fee billing, that the telephone number on file was incorrect, only one (1) letter was sent to you, and you do not have access to the website. You are requesting the late payment removed from your credit bureau report. 
  
  Please allow me to apologize for the error in my previous letter dated March 1, 2024. We attempted to contact you at the telephone number ************ between January 10, 2024 and February 8, 2024. You contacted us on February 9, 2024 and updated the telephone number to ************. Since the number ending in **** was the only telephone number on file during the time frame indicated, this was the only way had to contact you by phone. Please keep in mind that when you change your telephone number, contact us as soon as possible to have this information updated so that we have your records current.
  
  Regarding the paperless statements, as stated in my previous letter, you enrolled your account in paperless statements on August 17, 2017. Notifications of your monthly statements were sent to you, per your request, at ******************, prior to and after the Annual Fee billed. Notifications saying your monthly statement is ready were sent to you at your email address; however, we received no contact from you stating that you could not access the website or statements. If you would no longer like to be enrolled in paperless statements, you would need to contact us or go online to have this changed. 
  
  In your correspondence, you also indicated that you can longer access this online account and believe that you need your credit card number to log in. Please allow me to clarify, the credit card number is only needed to set up an online account and you already have an online account registered to the above email address. To reset your password, you click the forgot Username/Password option on the log in page. This will offer to have the reset code sent to you at your email address. The link in this email will provide the username you created for the online account and give you a link to reset the password. Once reset, you will be able to log in and access the account information and monthly statements. 
  
  Regarding our mailed correspondence, a letter was sent on January 24, 2024 notifying you that the account was 45 days delinquent after your first missed payment in January. After no payment posted for your February 2, 2024 due date, the account was reported 30 days late on February 7, 2024. This letter sent prior to the account being reported late to the credit bureaus and in addition to other attempts to contact you. 
  
  Our records show that we attempted to contact you at the telephone number you provided to reach you, sent notifications to the email address you provided to advise your paperless statements were ready, and sent a physical letter to the above listed address. However, we did not receive any contact from you until February 9, 2024 after the account was reported past due. While we regret any inconvenience this situation has caused, we are still unable to remove the information 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. Please keep in mind that your Annual Fee will bill every December while your account remains open. 
  
  I hope this information is helpful. If you have any further questions, please feel free to contact me at the phone number on the enclosed letter.
  
  

• Initial Complaint

  01/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  First Savings is in violation of the 7 in 7 Rule. This rule states that a creditor must not contact the person who owes them money more than seven times within a 7-day period. Also, they must not contact the individual within seven days after engaging in a phone conversation about a particular debt. The second part is where First Savings is in violation. Multiple phone conversations have occurred within 7 days. In lieu of taking this to court for the violations I would ask the account be closed, no further contact be made and the account be zeroed out as no balance owed.

  

  Business response

  01/19/2024

  This is in response to an inquiry we received on your behalf from the Better Business Bureau (BBB) regarding your First Savings Credit Card ending in *****
  
  I understand from your BBB complaint that you believe First Saving Bank violated the Fair Debt Collection Practices Act (FDCPA) by calling you again less than 7 days after you had spoken with a representative.  In response, I reviewed the history of your account finding a technical issue in coding the outcome of your call.  The representatives incorrectly recorded the call as having no conversation, which prompted another call to be made before seven (7) days.  Please accept my apology for any inconvenience or difficulty you experienced as a result of the calls.  I have spoken with management in our Collections area to address the matter with the individuals involved and to correct any issues identified.  In response to your request that we close the account, credit the remaining balance and no further contacts be made, we have made these updates to your account, as a gesture of goodwill.
  
  I appreciate your brining this matter to my attention and the opportunity to respond to your inquiry, Mr. O’Connor.  Should you have any further questions, please feel free to contact me at the number on the attached letter. 
  

*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. ↩