Credit card or prepaid card -- Getting a credit card -- Complaint #5983445
Complaint Overview
Complaint ID: 5983445
Company: Pentagon Federal Credit Union
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Illinois
ZIP Code: 622XX
Date Received: 2022-09-14T12:00:00-05:00
Date Sent to Company: 2022-09-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I applied for consumer credit on XXXX XXXX with Pen Federal. I was denied and sent an email stating why. On XXXX XXXX I called and spoke with XXXX the assistant manager in finance regarding the application. I was told that I was denied do to having too many inquiries. I then stated to her that I used my social to access this consumer transaction which is based on my unlimited credit. I also stated that they are in violation of 15 USC 1611 by denying me this. She told me I will also recieve a letter in the mail stating this. I told her that I'm aware of the step that are taken. I also stated that they are in violation per Regulation B and many other laws that their " key factors '' are unacceptable and that they should be compliant with the ECOA.I asked to speak with the underwriter and was told that the underwriter only makes calls if he is needing more information from the consumer. XXXX then stated that she could have her supervisor give me a call. An hour later I received a call from XXXX. I explained to her everything that I explained to XXXX. She then stated that I was denied specifically do to my credit score. I asked if I could get that sent out to me stating that exact reason. I was told " no, and that I should try to get my credit score up more ''. Per the ECOA under 'Prohibited Practices, Credit Scoring Systems , and Judgmental Evaluation System '' and many other laws they have take adverse reaction against me.
Frequently Asked Questions
What is Complaint #5983445 about?
Complaint #5983445 was filed against Pentagon Federal Credit Union regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-09-14T12:00:00-05:00.
How did Pentagon Federal Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Pentagon Federal Credit Union?
Yes, visit the Pentagon Federal Credit Union company profile at readthecomplaint.com/company/pentagon-federal-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.