ComplaintsforSt Cloud Financial Credit Union
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
05/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I'm urgently contacting you to address the errors on my credit report resulting from sharing my personal information with credit bureaus, causing significant financial and emotional distress.As per 15 USC 1681 Section 602, I assert my right to financial privacy and expect my information to be handled confidentially.Furthermore, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account details without my explicit consent, which I haven't provided.The discrepancies linked to ST CLOUD FINANCIAL CU have adversely affected my financial situation, necessitating immediate correction.Additionally, I stress compliance with 15 USC 1666(b), prohibiting creditors from treating credit card payments as late under specific circumstances.Below are my account details for your reference:Account Number: ****************I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict compliance with federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*********************************Business response
05/06/2024
We have reviewed what St. Cloud Financial Credit Union has submitted in regards to what has been reported to the Credit Bureaus - as noted in the Consumer Complaint.
This is being reported as "Paid Or Closed With A Zero Balance." What's being reported is due to a vehicle loan - not a credit card loan - so the statutes as listed in the complaint would not be applicable.
The last reporting on this loan was on 6/30/2021.
St. Cloud Financial Credit Union is in compliance and adherence to Federal and State laws/regulations/compliance in accurately reporting lending information to credit bureaus.
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Customer Complaints Summary
2 total complaints in the last 3 years.
1 complaints closed in the last 12 months.