Complaints

This profile includes complaints for Trailhead Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Trailhead Credit Union has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Trailhead Credit Union

  221 NW 2nd Ave Portland, OR 97209-3979

• 

  Trailhead Credit Union

  PO Box 2788 Portland, OR 97208-2788

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:10/21/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To whom it may concern I have made two attempts to get trailhead to remove late payments off my consumer report. Per the **** it is a violation to report any late payments under an open end consumer plan. Ive asked trailhead to remove the late payments and they have refused to do so. The following are Exclusions of consumers credit file 1. I request all late payments be removed from my consumer report, pursuant to 15 USC 1681a(2)(A)(i), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 2. Another exclusion of consumer reports is any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device (15 USC *********. The term credit card is any card, plate, or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 3. Credit was extended using my credit card; therefore, the negative reporting of the account is unreportable. 3. Section 1681s-2(a)(1)(A) states, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This whole experience has caused me stress, anxiety, loss of sleep and denial of credit. Im demanding this information be removed immediately off my consumer report as it should be excluded from my consumer report.

  Business Response

  Date: 10/24/2022

  Trailhead Credit Union has been in communication with ***************** regarding this issue. On 9/13/22, we mailed her a letter, along with copies of her statements showing our research regarding the late payments being disputed and the balances owed. We have followed up on other letters and disputes as well. Trailhead Credit Union has properly reported her account activity, payments, and status to the consumer reporting agencies.

  Customer Answer

  Date: 11/02/2022

  The company states they sent statements however that does not address my concern. Late payments are excluded from consumer reports per the ****. The following are Exclusions of consumers credit file

  1 pursuant to 15 USC 1681a(2)(A)(i), which states the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the.

  2. Another exclusion of consumer reports is any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device (15 USC *********. The term credit card is any card, plate, or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 3. Credit was extended using my credit card; therefore, the negative reporting of the account is unreportable

   

  11. To avoid additional violations of the **** I am requesting the following information be updated on my consumer reports as follows (15 USC 1681b(a)(2)): a. removal of all late payments and updated to paid as agreed. 

   

   

  Complaint: 18296689
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 11/30/2022

  1. ***************** cites 15 USC ****b within her response which outlines that a creditor may treat a payment as late on a credit card if the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.Trailhead Credit Union has such procedures in place and mails out periodic statements that comply with section 1637(b) of 15 USC ****b and are mailed out within 21 days of the payment due date. Trailhead Credit Union has sent ***************** statements outlining her due date and minimum amount due along with other required information. ****************** refers to a definition within 15 USC 1681(2)(A)(i) stating that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Per the **** the term negative information means information concerning a customers delinquencies, late payments, insolvency, or any form of default. Therefore,reporting late payments is not a violation of the statues cited herein this response or ******************** complaints.
  
  2.****************** cites 15 USC 1681(b)(2) which specifically outlines conditions for furnishing and using consumer reports for employment purposes and the disclosure to the consumer. As ****************** is not applying for employment at Trailhead Credit Union, this claim is erroneous
  
  3.****************** cites Section 1681s-2(a)(1)(A) which states, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As the information Trailhead Credit Union have reported is accurate, as evidenced by the periodic statements furnished monthly in compliance with federal law, this claim is erroneous.
  
  Trailhead Credit Union has complied with all pertinent federal laws and regulations by furnishing compliant and timely statements to ******************, accurately reporting delinquency, and communicating with the consumer in addressing these complaints.Trailhead Credit Union finds these claims to be without merit and considers this matter closed as all Ms. ******** specific concerns have been addressed.