Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9584837
Complaint Overview
Complaint ID: 9584837
Company: Randolph-Brooks Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: Texas
ZIP Code: 77081
Date Received: 2024-07-22T12:00:00-05:00
Date Sent to Company: 2024-07-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> XXXX notified me of a 30 day late with Randolph Book Fed Credit union. However, not only are all of my accounts are set on Auto Pay, I also paid {$1500.00} on a {$2000.00} balance to show my Credit Worthiness. I contacted the merchant to find out what happened and it was a data error that was suppose to be fixed by the merchant and communicated to XXXX per my conversation with the merchant that in fact refunded the late fee due to the inconvenience. I sent a letter to XXXX on XX/XX/XXXX after speaking to the merchant several times however, I have not received any mail correspondence from XXXX or the merchant with the explanation or investigation results. XXXX instead, updated the dispute results to investigation complete, reported by furnisher after the investigation time frame that is well over 30 days. I have been a customer with this merchant for over 4 years with exceptional credit history, never been late once. Experian status was updated XX/XX/year> however, I was notified in writing of the investigation or any information from the merchant via mail. Please help assist me with this matter of the 30 day late that was in fact never late and paid on time with Randolph Book Fed Credit union. Thank you for your prompt response.
Frequently Asked Questions
What is Complaint #9584837 about?
Complaint #9584837 was filed against Randolph-Brooks Federal Credit Union regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-07-22T12:00:00-05:00.
How did Randolph-Brooks 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 reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Randolph-Brooks Federal Credit Union?
Yes, visit the Randolph-Brooks Federal Credit Union company profile at readthecomplaint.com/company/randolph-brooks-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.