I purposely had a balance on my monthly statement so the balance would show up as OPEN on their end ( I thought this might help -- my mistake ). This caused my credit score to go from GOOD to UNFAVORABLE ( I paid the balance after the monthly balance registered at the credit reporting agencies -- I normally pay it right away

What the CFPB Record Shows About I purposely had a balance on my monthly statement so the balance would show up as OPEN on their end ( I thought this might help -- my mistake ). This caused my credit score to go from GOOD to UNFAVORABLE ( I paid the balance after the monthly balance registered at the credit reporting agencies -- I normally pay it right away

I purposely had a balance on my monthly statement so the balance would show up as OPEN on their end ( I thought this might help -- my mistake ). This caused my credit score to go from GOOD to UNFAVORABLE ( I paid the balance after the monthly balance registered at the credit reporting agencies -- I normally pay it right away has accumulated 1 consumer complaint in the CFPB public database, with filings active across 1 U.S. state. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to In X, and the most recent logged activity is In XX/XX/2, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, I purposely had a balance on my monthly statement so the balance would show up as OPEN on their end ( I thought this might help -- my mistake ). This caused my credit score to go from GOOD to UNFAVORABLE ( I paid the balance after the monthly balance registered at the credit reporting agencies -- I normally pay it right away reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "I had a secured credit card at my credit union upgraded to an unsecured credit card with a higher credit limit. TransUnion listed it as a mortgage. I asked them to change the record to an unsecured credit card. They instead removed the whole record from my credit report", and the single most common underlying issue is "I tried to get the problem fixed again".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating I purposely had a balance on my monthly statement so the balance would show up as OPEN on their end ( I thought this might help -- my mistake ). This caused my credit score to go from GOOD to UNFAVORABLE ( I paid the balance after the monthly balance registered at the credit reporting agencies -- I normally pay it right away: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.