PENTAGON FEDERAL CREDIT UNION

2016-10-18

Other

Credit card:

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-17

Warrenton, VA

Cont'd attempts collect debt not owed

Debt collection: Auto

Debt was discharged in bankruptcy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-10-15

Queens, NY

Other

Credit card:

Complaint: I applied for this credit card and I did not receive it due to " an IP address issue '' having to do with fraud. I never received this card in the mail. I never did any transactions on this card because I did not receive it. I now have a charge-off for around {$1500.00} that I am not liable for! How can I have charges on a card that I never received, never used and never had? I contacted this company as well as the credit bureaus and XXXX told me that I had to pay them. They did not care that I did not receive the card in the mail. They would not assist me, would not explain it to me and would not pass me to upper-management. They said that because they suspected that I was not the one to apply for the account ( I was, of course ) that they would not send out the card. So why do I have to pay them for something that I had no access to??? I 'm not, and it needs to be removed immediately. I do n't care whether that is a bunch of annual fees, or other fee, but I never had any access whatsoever to this card so this must be removed from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-10-12

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-10-06

Omaha, NE

Other

Credit card:

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-29

Spfld, MA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: Pentagon Federal Credit Union obtained my personal and private financial information from XXXX Bank without my consent or a subpoena. Throughout my communication with PenFed, I have been specific in directing any and all investigation to PenFed internally. PenFed 's operatives have violated XXXX XXXX XXXX laws in addition to The XXXX XXXX XXXX. It is clear that Pretexting and deceit was used. This complaint also covers the fraud related to forged documents and criminal practices. Very closely mirrors XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-09-29

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-09-27

Cheverly, MD

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: This a follow up of complaint initiatiated by me that Pentagon federal Credit Union XXXX all guidelines, concepts, sop.s, regulations, secuirites protection of my worldy posessions, my bank account, no protocols, no trust, no care, compassion or concern of over 10 years of allowing any and everyone to use my identity, my money directly deposited for the purpose of fraudulent accounting, of no approval or contact by me the signature and bank account owner of over {$400000.00} at times, if not more.From XXXX/XXXX/XXXX until XXXX XXXX XXXX XXXX XXXX employees and staff somewhere allowed this crimininal XXXX XXXX , XXXX XXXX Law firm to order checks, order ATM cards, make bank transactions of over {$10000.00}, {$50000.00}, and and evenyually of over {$400000.00} Plus.All without XXXX letter of contact, informing me of bank activity that they acted without care.With criminal intent and intent unbecoming of Bank presidents XXXX Managers, accountamts, CPA 's, employees/tellers, lawyers, security and fraud professionals that i was totally disrespected upon all phone calls.Would not respond back.That i informed all of the above that i was not incapcitated nor deceased.I recieved a letter of lies of no investigation or follow up by pentagon federal credit reunion of my complaints of robbery, anguish, abuse of powers, abuse of position, ignorance, gross negligence with forethought and malice, blatant disregard for an XXXX, XXXX veteran.that pentagon federal credit union acted with no monitoring, no responsibility or acccountability of MY MONEY, that they dully sworn to serve and protect me and my worldly possessions that my children suffered at the hands and Grip of a criminal element of XXXX XXXX , XXXX XXXX, and XXXX Superior Courts , Identified by former XXXX Police Chief and Others as a broke court system, that they allowed online banking, cash withdrawls and allm services without my permission, without my signature card, and illegally of not checking or answering my complaints, and not following up with me on my criminal and civil complaints to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , and by telephone of XXXX XXXX well as email.I used a Veterans Administration Loan to purchase a home of no down payment, A new truck of no down payment, money already stolen when i went on a couple trips inside the US.I requested to speak to the Pen Fed Lawyers on more than enough occassions.I have suffered along with my children for many years.Missing holidays, Birthdays, Familiy Reunions, church services, XXXX celebrations, XXXX, XXXX, major events, weddings, XXXX, XXXX, XXXX, XXXX meetings, XXXX meetings , XXXX XXXX, College moneys for my children to attent college, Just wanting to be a family.A total and complete shut down of my life that Pentagon federal credit union of all that have in my life, has securities violations, with excuses, ignorance, lies, disrespect and discriminitive actions and applications towards me, XXXX XXXX member number XXXX.That turning me down for all home loans, car loans, credit card loans, small personal loans, for all personal loans, and more.But simply using its resources and leverage on me now to hide behind the facts that they never checked, or informed me, the signature card holder, of any person other person to act on behalf my accounting, opened XXXX, after the XXXX XXXX.I will not settle for lest than {>= $1,000,000} comp, a full investigation of Pentagon Federal credit Union employees and their actions in association with XXXX XXXX, XXXX XXXX Law Firm , and especially of no examiner verification of me being incapacitated or even deceased as reported by XXXX XXXX, XXXX Law Firm, later XXXX Superior Courts and later to no one else of the moneys being illegally repoorted of no professional rules of conduct.No contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-21

Lexington, KY

APR or interest rate

Credit card:

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-20

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-09-20

Oxford, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I believe my loan request was denied due to my age ... ..I 've been a member for over 14+ years, and attempted to obtain a consolidation loan ... .that 's key, as I wanted to return to the XXXX ... .the reason given after being put through several loops..it was denied!! I had a home loan that was paid off early, and when I got that, I owed more ... BUT was younger ... ..I was also lied to about a freeze ... no one else had this reaponse..I checked..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-20

Royal Palm Beach, FL

APR or interest rate

Credit card:

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-19

Rayford, TX

Billing disputes

Credit card:

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-09-19

Yorba Linda, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-16

Discovery Bay, CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Hello, I had recently applied for a mortgage with Pentagon Federal Credit Union. This experience I do not with upon anyone. Started my research by looking for a XXXX % down product with Pentagon Federal had.. I called in on XXXX XXXX with XXXX XXXX who had explained the product to me in absolute clarity ... He said it is a XXXX % down with a XXXX ARM first mortgage and a XXXX mortgage a 15 year loan [email protected] %. The credit score requirement is XXXX on the XXXX mortgage. So I was super excited and applied for a loan ( BTW i had a personal loan with penfed which i paif off in full ). Once I applied I received an email from an XXXX XXXX ( loan officer ) and she properly introduced her self and asked for all of the documents needed. I went ahead and submitted all that was required of us ... Then I had to keep bugging XXXX and asking where is the pre approval? She said I am working on the XXXX mortgage but I have the approval for the first. So I kept asking for a time frame and I got nothing back. Then all of a sudden I have a new loan officer XXXX XXXX and she said from here on she will handle my file with an underwriter named XXXX. What happened to XXXX? Well XXXX just does the initial portion of the process. Same thing this whole back and forth ; then I was asked for my XXXX 's and pay stubs and my wife 's XXXX 's as well ... I went ahead and re faxed it, this was the second time. XXXX and XXXX claim they never got it.. Now they keep asking me for information. On top of that XXXX says we can no longer offer you the ARM it now has to be a fixed mortgage because of your DTI. It took them over a month to figure it out and in the mean time nothing re : the XXXX mortgage. I then had an opportunity to speak to XXXX and explain how long ago my short sale has been out there ; I mentioned it has been 4.5 years. I asked her does she need supporting docs for the short sale and she said no. At this point I am still waiting. And all of a sudden XXXX is back now and she is handling the loan process. Again she is requesting the XXXX which I think they lost ( XXXX our info is floating around ) ... Then on XX/XX/XXXX I got an email from XXXX that there was a decision and the letter is attached and she would call me to discuss ... It was a decline letter due to my short sale that occurred on XX/XX/XXXX which she knew about. I emailed her before the long weekend and left her a VM and got nothing back. At this point I sent another email and did tell her I am upset and will be filing a complaint with CFPB. I had also emailed a complaint to PENFED directly and heard nothing back. Either they are n't very good at handling loan files/ or do not know products/ or do not know underwriting or just plain ignorant. I have never seen anything like this and i am in the industry ... I do n't wish this on my worse enemy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-15

Main Office, VA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: A stop payment was requested back in XXXX 2016. The request was never removed. Several occasions, items were presented against the account, no funds were in the account. Thus resulting in non sufficient fees ( NSF 's ). Several times, I spoke to managers in the customer service to get credit for the fee being assessed. In two occasions, they were reverted. However, other times they were not. I was told that they had to go through a different process to get " approved ''. This never happened. Eventhough, I still have this account. There has been attempts to withdraw funds from FACTS Management causing continuous NSF 's. Would like someone to take a look on how this agency is refusing to secure an account. Also, marginalizing the poor ( or at a lower class level ) to benefit the wealthy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-09-14

Lewis Center, OH

Billing disputes

Credit card:

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-09-14

Dallas, TX

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I have a savings account with the Pentagon Federal Credit Union. I have been making deposits once a month for many years. Several months ago I got a notice threatening to send the balance of my account to the State of Texas because presumably my account had been dormant for more than a year. Of course, I called them up and a service rep told me that was a mistake. I was advised that my account was not dormant and to ignore the message. I am now in the process of buying a home and found out that in XXXX of 2016 PFCU withdrew {$29000.00} from my account and sent it to the State of Texas! While the PFCU reps accept they made a mistake, they still claim I have to wait from 90 to 120 days to get my money back! I am in the middle of a contract to buy a home and need the money right away. I risk to lose the home I want to buy. I have wasted a lot of time on resolving this issue. I have called PFCU about five times. They always promise to look into it and call me back. They never do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-09-12

Brighton, UT

Other fee

Credit card:

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-09-08

Co Spgs, CO

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-09-07

Lexington, KY

Balance transfer

Credit card:

Complaint: I transferred a credit card balance of approximately {$3600.00} to Pentagon Federal Credit Union ( PenFed ) on their 0 % balance transfer program in XXXX 2016. After a few months on the program, I noticed that my account was being charged interest. This is not an obvious thing as I have a Platinum 'rewards ' card and usually received some credit each billing cycle as a result of gas purchases. I did some rough math and determined that I was paying interest on purchases on an average from the purchase! Not from the billing date or the period after that! I called PedFed and talked to Customer Service. The technicians were at a loss trying to explain what was happening. I was transferred to a Lead/Supervisor named XXXX and got enough of an understanding that it came to one question : Could I pay the total balance with the advance and othe transactions and clear it up? XXXX 's response was yes. How I started paying interest on an undisclosed process bothers me a lot. I wrote a letter to PenFed 's President dated XXXX XXXX 2016.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-07

San Mateo, CA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-08-30

San Antonio, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-08-25

Harsens Is, MI

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-08-24

Ellenwood, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response