Bridgeton Onized Federal Credit Union

Complaint: [redacted] I am rejecting this response because: I was approved Then they came up with a demand in order to get the loan I compliedThey failed to follow throughMy bankruptcy was discharged and they approved the loan knowing this Regards, [redacted]

After further review of the loan file and process in question it was determined that the Analyst and Officer responded appropriately throughout the steps in determining the applicant's creditworthinessThe title search that was performed on the property to be used as collateral returned with
previously undisclosed information that would prohibit the credit union from executing the loanThis information was relayed to Mr*** clearly and succinctly on multiple occasions

Complaint: [redacted]
I am rejecting this response because:
I was approved.  Then they came up with a demand in order to get the loan.  I complied. They failed to follow through. My bankruptcy was discharged and they approved the loan knowing this. 
Regards,
[redacted]

Review: I was charged $750 in overdraft fees from my bank, due to my [redacted] account being hacked. [redacted] has resolved the issue on their end, but my bank refuses to refund/reimburse me for the overdraft fees. [redacted] has been very cooperative and have sent numerous emails to my bank and myself regarding the hack of my account. I have contacted my bank and notified them that [redacted] has sent an email regarding this matter, yet my bank refuses to refund the overdraft fees caused by the fraudulent charges.Desired Settlement: I would like to have the $750 in overdraft fees refunded.

Review: Bridgeton Onized Federal Credit Union is reporting negatively on my credit report regarding a student loan that was opened in December 1999. My loan with this credit union was always in forbearance or deferment. I have contacted [redacted] and [redacted] to request proof of documentation, but was informed this had been shredded. In addition a previous loan officer, Paula, had acknowledged that no payment was ever due on the account due to the forbearance and deferments. In 2010 the loan was paid off as part of a student loan consolidation.Desired Settlement: Removal of trade line from a credit reporting agencies.

Business

Response:

IOn January 29, 2014, I spoke to[redacted] about the student loan and the history behind the creditreporting. I explained to [redacted] that the credit report was indicatingthat at one point during the life of the loan that the loan went 30 days delinquent. [redacted] believed that the last payment was the late payment. Iexplained that the loan was paid in full and that our records indicatesame. [redacted] requested that the statements be supplied showing the 30day delinquency. I explained to [redacted] that after so much time recordsare shredded for security but I am able to pull the statements by fiche. However, it may take a couple weeks as I need the branch manager to researchthese statements. [redacted] indicated that would be fine. Mr. Krossrequested that the account be removed from his credit report. I explainedthat the loan cannot be removed until the credit bureau’s time frames haveexpired. I asked for all contact information so that I may get thestatements to [redacted] once the research has been completed. have had Ms. [redacted] respond to this complaint. Her response is as followsL

Consumer

Response:

Review: [redacted]

I am rejecting this response because:As of today, 2/21/2014 I have not received any documents from BOFCU regarding my loan. There was no information provided from [redacted] listed in their response. This loan was always in deferrement/forbearance. I contacted the Dept of Education who informed me that the loan provider would have this documentation, I request the BOFCU to provide documentation to show that this loan was late and not in forbearance or deferrment or to remove the 30 day late mark from my credit report. Thank you.

Regards,