Complaints
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
07/23/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
i am not liable for this debt with bloom credit union ,i don't not have a contract with bloom credit union ,they didn't provide me with the original contract as i requested
Business response
07/24/2023
Mr. ************************* has utilized the services of our credit union since 2015 and is aware that he is responsible for the amount owed to Bloom Credit Union that appears on his credit report. He is also aware that the amount appearing on his credit report is not the result of a loan. Therefore, there is not an original contractfor us to produce. As always, we are willing to continue to work with ******************* to set up payment arrangements and he has our contact information to do so.Customer response
08/04/2023
Complaint: 20362947
I am rejecting this response because: I Do not recognize how this account is reporting on my credit report ,i don't recognize the account number i don't recognize the account status .i don't recognize the account high balance nor do i recognize the late payments associated with it everything reported here dose not meet the F.C.R.A ACT 15.usc.1692.G validation of debts
Sincerely,
*************************Business response
08/21/2023
We have attempt to contact ******************** repleatedly based on the information we have available. Without updated contact information we cannot legally resolve this matter. Please have him contact ************************* at ************.Customer response
08/26/2023
Complaint: 20362947
I am rejecting this response because:
Sincerely,
*************************bloom credit union is breaking the law by reporting information on my credit report . I never received a 1099C for debt cancellation which is a charge off.
Which that then turns into taxable income. Income is not supposed to be reported to my credit report. Ive never gave them permission or nor they asked me if they could put that on my credit report ,by law they are supposed to . So therefore I did not recognize this debt and this debt is not mine. It is in accurate information and Bloom Credit Union knows this to be true. I want this taken off my credit report immediately it is causing repairable damage and holding me back.Business response
08/28/2023
A form ****-C applies in cases of loan debt. As stated in our initial response of 7/24/2023, the amount appearing on Mr. ********* credit report is not the result of a loan. Therefore, form ****-C would not apply. Also, as stated in our response dated 8/21/2023, we have attempted to contact ******************** repeatedly and without updated contact information we cannot legally resolve this matter.Customer response
08/29/2023
Complaint: 20362947
I am rejecting this response because:
Sincerely, anything that is charged off or written off due to statue of limitations becomes a debt It does not matter if its a loan or if its not a loan , after being written off or charged off, requires a 1099C form. and if its not a loan or I never sign a contract of any form, then why is this reporting on my credit therefore, your statement says it all this is incorrect and I want it removed immediately from my credit report.
*************************
Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
1 total complaints in the last 3 years.
0 complaints closed in the last 12 months.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.