Credit bureau · complaint record
PenFed Credit Union complaints
Filed under PENTAGON FEDERAL CREDIT UNION
Consumers have filed 6,588 complaints about PenFed Credit Union since 2011, 876 of them in the last 12 months (-1% on the year before). It answered 100% on time and closed 18% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report. It is the 29th most complained-about of 566 credit bureaus & report companies this year.
Good response record. How it works
- Complaints on record
- 6,588
- Last 12 months
- 876
- Answered on time
- 100%
- Closed with relief
- 18%
- Last 30 days
- 41
- Rank
- #29 of 566
Since December 2011
-1% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 4, 2026
Most complained-about credit bureaus & report companies
PenFed Credit Union complaints by month
The busiest month was September 2025 (103 complaints). Complaints in the last 12 months are about level, 0% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How PenFed Credit Union answered last 12 months
- Closed with monetary relief566.4%
- Closed with non-monetary relief10211.6%
- Closed with explanation70580.5%
- In progress131.5%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time45/45100% on time
- Relief for customers11/4018.3% closed with relief
- Complaint trend10/15-1% vs last year
What PenFed Credit Union complaints are about
Top PenFed Credit Union problems last 12 months
Inside "Incorrect information on your report"
- Information belongs to someone else 319
- Account information incorrect 293
- Account status incorrect 275
- Old information reappears or never goes away 30
- Information is missing that should be on the report 21
- Public record information inaccurate 9
Where PenFed Credit Union complaints come from
Most complaints: California (727), Florida (609), Texas (594), Georgia (436), Virginia (429).
PenFed Credit Union compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | MoneyLionCredit reporting | 47 | 1,091 | D |
| 2 | CarMaxCredit reporting | 54 | 1,004 | C |
| 3 | Consumer Portfolio ServicesCredit reporting | 54 | 983 | C |
| 4 | PenFed Credit UnionCredit reporting | 66 | 876 | B |
| 5 | CheckrCredit reporting | 44 | 844 | D |
| 6 | Pinnacle Financial PartnersCredit reporting | 63 | 767 | C |
| 7 | Mercedes-Benz Financial ServicesCredit reporting | 54 | 751 | C |
| 8 | Ford CreditCredit reporting | 57 | 729 | C |
Compare side by side: PenFed Credit Union vs MoneyLion · PenFed Credit Union vs CarMax · PenFed Credit Union vs Consumer Portfolio Services · PenFed Credit Union vs Checkr
What people say about PenFed Credit Union
All experiencesNo experiences with PenFed Credit Union yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest PenFed Credit Union complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 4, 2026 | Debt collection | False statements or representationAttempted to collect wrong amount | Explained |
| Nov 3, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Nov 2, 2026 | Bank accounts | Opening an accountUnable to open an account | Explained |
| Nov 1, 2026 | Credit cards | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 30, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | In progress |
| Oct 30, 2026 | Credit cards | Fees or interestProblem with fees | In progress |
| Oct 30, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 30, 2026 | Mortgages | Trouble during payment processEscrow, taxes, or insurance | Money back |
| Oct 30, 2026 | Credit cards | Trouble using your cardCredit card company won't increase or decrease your credit limit | Explained |
| Oct 29, 2026 | Credit cards | Fees or interestProblem with fees | Explained |
| Oct 29, 2026 | Mortgages | Applying for a mortgage or refinancing an existing mortgageDelays in the application process | In progress |
| Oct 27, 2026 | Bank accounts | Managing an accountProblem accessing account | Fixed |
Questions about PenFed Credit Union
How many complaints does PenFed Credit Union have?
PenFed Credit Union has 6,588 complaints on record since December 2011, including 876 in the last 12 months and 41 in the last 30 days. That makes it number 142 of every company by complaints this year.
Does PenFed Credit Union respond to complaints?
Yes. PenFed Credit Union answered 100% of its complaints on time (within 15 days) and closed 18% with relief - money back or a fix; 6.5% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 66/100 (grade B).
What do people complain about most with PenFed Credit Union?
The most common problems are incorrect information on your report (952), managing an account (697), took or threatened to take negative or legal action (129).
Is PenFed Credit Union legit?
PenFed Credit Union is a real company with a public complaint record: consumers have complained about it 6,588 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is PenFed Credit Union legit? for the signals, red flags and how to protect yourself.
Are complaints about PenFed Credit Union going up or down?
Roughly level. There were 876 complaints in the last 12 months against 885 in the 12 before (-1%). See every month.
How do I file a complaint against PenFed Credit Union?
Complain to PenFed Credit Union in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most PenFed Credit Union complaints come from?
Most come from California (727), Florida (609), Texas (594). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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