Julia
I am writing to formally express my…
I am writing to formally express my concerns regarding Vantage West’s handling of my account and credit reporting. As a long-standing member known to the Tucson branch, I am disappointed that this issue has escalated into a dispute despite my consistent payment history. After receiving Kyle’s letter stating that the investigation was complete and that Vantage West’s records were accurate, I remain concerned that key details have not been properly reviewed. My November payment is being reported as late, even though it was not due until December 20. My October and December payments are reflected correctly, but the November payment is not. Because the payment was made before November 20, well before the December 20 due date, I respectfully ask that this reporting be corrected. I also request a clear explanation for the hard inquiry placed on my credit on November 3. My September, October, and November payments were not late, and I do not believe my account history supports the actions taken. As a loyal member of 10 years who has paid more than $100,000 in loans in full and maintained an excellent payment record, I ask that Vantage West review this matter carefully and resolve it fairly. I am deeply disappointed by the service I have received and by the inaccurate information provided regarding my account. I urge Vantage West to take this matter seriously and ensure my credit report accurately reflects my payment history. The branch manager previously assured me that the August 2025 hard inquiry would be removed, but it remains on my credit report. I also received conflicting information about my personal loan payoff. The branch manager’s email states that I called on January 17 for the payoff amount, yet the copy of the check I received was dated January 10, indicating the payoff request occurred before that date. This suggests the check may have been lost or mishandled, resulting in additional interest being charged unfairly. I am requesting that Vantage West promptly update my credit report to reflect accurate information. During my visit to the branch, I reviewed this issue with a representative who also agreed that my November payment was not late. Please update my November payment status to show that it was paid on time. I also request that both hard inquiries be removed from my credit report, as I did not authorize them and believe they were made in error. I respectfully ask that Vantage West correct these issues promptly and provide written confirmation once the updates have been completed. Julia M