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  5. CAPITAL FOR CHANGE, INC.

CAPITAL FOR CHANGE, INC.

Company Details

Entity Name: CAPITAL FOR CHANGE, INC.
Jurisdiction: Connecticut
Legal type: Non-Stock
Citizenship: Domestic
Status: Active
Sub status: Annual report due
Date Formed: 08 Feb 1967
Business ALEI: 0053205
Annual report due: 08 Feb 2026
NAICS code: 522299 - International, Secondary Market, and All Other Nondepository Credit Intermediation
Business address: 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492, United States
Mailing address: 10 ALEXANDER DRIVE, WALLINGFORD, CT, United States, 06492
ZIP code: 06492
County: New Haven
Place of Formation: CONNECTICUT
E-Mail: jlevitsky@capitalforchange.org

Unique Entity ID

Unique Entity ID Expiration Date Physical Address Mailing Address
Q2LLAKUMFNL3 2024-10-08 10 ALEXANDER DR, WALLINGFORD, CT, 06492, 2430, USA 10 ALEXANDER DR, WALLINGFORD, CT, 06492, 2430, USA

Business Information
URL http://www.capitalforchange.org
Congressional District 03
State/Country of Incorporation CT, USA
Activation Date 2023-10-10
Initial Registration Date 2007-09-06
Entity Start Date 1968-02-03
Fiscal Year End Close Date Mar 31

Points of Contacts
Electronic Business
Title PRIMARY POC
Name BLAIR S JENSEN
Address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492, 2541, USA
Title ALTERNATE POC
Name CARLA WEIL
Role DIRECTOR OF IMPACT
Address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492, 2541, USA
Government Business
Title PRIMARY POC
Name CARLA WEIL
Role DIRECTOR OF IMPACT
Address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492, 2541, USA
Title ALTERNATE POC
Name BLAIR S JENSEN
Address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492, 2541, USA
Past Performance
Title PRIMARY POC
Name BLAIR S JENSEN
Address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492, USA

Commercial and government entity program

CAGE number Status Type Established CAGE Update Date CAGE Expiration SAM Expiration
4V9R9 Obsolete Non-Manufacturer 2007-09-06 2024-09-12 No data 2025-09-10

Contact Information
POC CARLA WEIL
Phone +1 203-789-8690
Fax +1 860-920-2022
Address 10 ALEXANDER DR, WALLINGFORD, CT, 06492 2430, UNITED STATES

Ownership of Offeror Information
Highest Level Owner Information not Available
Immediate Level Owner Information not Available
List of Offerors (0) Information not Available

form 5500

Plan Name Plan Year EIN/PN Received Sponsor Total number of participants
CAPITAL FOR CHANGE, INC. 403(B) PLAN 2023 060842738 2024-11-27 CAPITAL FOR CHANGE, INC. 83
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1990-08-01
Business code 813000
Sponsor’s telephone number 8602335165
Plan sponsor’s address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06042

Signature of
Role Plan administrator
Date 2024-11-27
Name of individual signing KATHLEEN CARILLO
Valid signature Filed with authorized/valid electronic signature
CAPITAL FOR CHANGE, INC. 403(B) PLAN 2022 060842738 2023-12-19 CAPITAL FOR CHANGE, INC. 82
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1990-08-01
Business code 813000
Sponsor’s telephone number 8602335165
Plan sponsor’s address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492

Signature of
Role Plan administrator
Date 2023-12-19
Name of individual signing KATHLEEN CARILLO
Valid signature Filed with authorized/valid electronic signature
CAPITAL FOR CHANGE, INC. 403(B) PLAN 2021 060842738 2023-07-14 CAPITAL FOR CHANGE, INC. 76
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1990-08-01
Business code 813000
Sponsor’s telephone number 8602335165
Plan sponsor’s address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492

Signature of
Role Plan administrator
Date 2023-07-14
Name of individual signing KATHLEEN CARILLO
Valid signature Filed with authorized/valid electronic signature
CAPITAL FOR CHANGE, INC. 403(B) PLAN 2020 060842738 2022-01-14 CAPITAL FOR CHANGE, INC. 73
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1990-08-01
Business code 813000
Sponsor’s telephone number 8602335165
Plan sponsor’s address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492

Signature of
Role Plan administrator
Date 2022-01-14
Name of individual signing CHARLES BODIE
Valid signature Filed with authorized/valid electronic signature
CAPITAL FOR CHANGE, INC. 403(B) PLAN 2019 060842738 2020-12-09 CAPITAL FOR CHANGE, INC. 72
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1990-08-01
Business code 813000
Sponsor’s telephone number 8602335165
Plan sponsor’s address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492

Signature of
Role Plan administrator
Date 2020-12-09
Name of individual signing CALVIN B VINAL
Valid signature Filed with authorized/valid electronic signature
Role Employer/plan sponsor
Date 2020-12-09
Name of individual signing CALVIN B VINAL
Valid signature Filed with authorized/valid electronic signature
CAPITAL FOR CHANGE, INC. 403(B) PLAN 2018 060842738 2020-06-05 CAPITAL FOR CHANGE, INC. 63
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1990-08-01
Business code 813000
Sponsor’s telephone number 8602335165
Plan sponsor’s address 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492

Signature of
Role Plan administrator
Date 2020-06-05
Name of individual signing CALVIN B VINAL
Valid signature Filed with authorized/valid electronic signature
Role Employer/plan sponsor
Date 2020-06-05
Name of individual signing CALVIN B VINAL
Valid signature Filed with authorized/valid electronic signature
CAPITAL FOR CHANGE, INC. 403(B) PLAN 2017 060842738 2018-11-26 CAPITAL FOR CHANGE, INC. 56
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1990-08-01
Business code 813000
Sponsor’s telephone number 8602335165
Plan sponsor’s address 121 TREMONT STREET, HARTFORD, CT, 061052541

Signature of
Role Plan administrator
Date 2018-11-26
Name of individual signing CALVIN B VINAL
Valid signature Filed with authorized/valid electronic signature
Role Employer/plan sponsor
Date 2018-11-26
Name of individual signing CALVIN B VINAL
Valid signature Filed with authorized/valid electronic signature
CAPITAL FOR CHANGE, INC. 403(B) PLAN 2016 060842738 2017-11-27 CAPITAL FOR CHANGE, INC. 48
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1990-08-01
Business code 813000
Sponsor’s telephone number 8602335165
Plan sponsor’s address 121 TREMONT STREET, HARTFORD, CT, 061052541

Signature of
Role Plan administrator
Date 2017-11-27
Name of individual signing CALVIN B VINAL
Valid signature Filed with authorized/valid electronic signature
Role Employer/plan sponsor
Date 2017-11-27
Name of individual signing CALVIN B VINAL
Valid signature Filed with authorized/valid electronic signature
CAPITAL FOR CHANGE, INC. 403(B) PLAN 2015 060842738 2016-12-15 CAPITAL FOR CHANGE, INC. 31
Three-digit plan number (PN) 001
Effective date of plan 1990-08-01
Business code 813000
Sponsor’s telephone number 8602335165
Plan sponsor’s address 121 TREMONT STREET, HARTFORD, CT, 061052541

Signature of
Role Plan administrator
Date 2016-12-15
Name of individual signing CALVIN B VINAL
Valid signature Filed with authorized/valid electronic signature
CAPITAL FOR CHANGE, INC. 403(B) PLAN 2015 060842738 2016-12-15 CAPITAL FOR CHANGE, INC. 31
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1990-08-01
Business code 813000
Sponsor’s telephone number 8602335165
Plan sponsor’s address 121 TREMONT STREET, HARTFORD, CT, 061052541

Signature of
Role Plan administrator
Date 2016-12-15
Name of individual signing CALVIN B VINAL
Valid signature Filed with authorized/valid electronic signature

Agent

Name Role
C T CORPORATION SYSTEM Agent

Director

Name Role Business address Residence address
Benna Lehrer Director No data 321 Boston Post Rd, Madison, CT, 06443-2938, United States
JEFFREY ROBINSON Director TD BANK, 40 DANBURY ROAD, WILTON, CT, 06897, United States 5 TOMASELLI COURT, BALLSCON SPA, NY, 12020, United States

Officer

Name Role Business address Residence address
Diane Smith Officer 10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492, United States 186 House Street, B1, Glastonbury, CT, 06033, United States

License

Credential Credential type Status Status reason Issue date Effective date Expiration date
RAFF.04689-CL 1 RAFFLE PERMIT CLASS 1 INACTIVE VERIFICATION STATEMENT OVERDUE No data 2017-10-01 2017-10-19
CHR.0001374 PUBLIC CHARITY ACTIVE CURRENT No data 2024-02-29 2025-02-28
SE.1110969 Securities - Exemptions ACTIVE ACTIVE No data 2019-05-13 No data
RAFF.03051-CL 1 RAFFLE PERMIT CLASS 1 CLOSED VERIFICATION STATEMENT COMPLETE No data 2015-09-15 2015-10-01
RAFF.03980-CL 1 RAFFLE PERMIT CLASS 1 CLOSED VERIFICATION STATEMENT COMPLETE 2016-10-05 2016-10-05 2016-10-27
RAFF.02253-CL 1 RAFFLE PERMIT CLASS 1 CLOSED VERIFICATION STATEMENT COMPLETE 2014-10-02 2014-10-02 2014-10-02
RAFF.01358-CL 1 RAFFLE PERMIT CLASS 1 CLOSED VERIFICATION STATEMENT COMPLETE 2013-08-07 2013-08-07 2013-09-19
RAFF.00445-CL 1 RAFFLE PERMIT CLASS 1 CLOSED VERIFICATION STATEMENT COMPLETE 2012-08-10 2012-08-10 2012-09-27

History

Type Old value New value Date of change
Name change CONNECTICUT HOUSING INVESTMENT FUND, INC. CAPITAL FOR CHANGE, INC. 2016-04-29

Filing

Filing number Filing date Effective date Filing category Filing type Report year
BF-0012900768 2025-02-05 No data Annual Report Annual Report No data
BF-0013271525 2024-12-02 No data Mass Agent Change � Address Agent Address Change No data
BF-0012215231 2024-02-08 No data Annual Report Annual Report No data
BF-0012025547 2023-10-18 2023-10-18 Change of Agent Agent Change No data
BF-0011081852 2023-02-22 No data Annual Report Annual Report No data
BF-0010391207 2022-02-11 No data Annual Report Annual Report 2022
0007217273 2021-03-10 No data Annual Report Annual Report 2021
0006720216 2020-01-13 No data Annual Report Annual Report 2020
0006363882 2019-02-05 No data Annual Report Annual Report 2019
0006030631 2018-01-24 No data Annual Report Annual Report 2018

CFPB Complaint

Complaint Id Date Received Issue Product
3818665 2020-08-28 Problem with a credit reporting company's investigation into an existing problem Credit reporting, credit repair services, or other personal consumer reports
Issue Problem with a credit reporting company's investigation into an existing problem
Timely Yes
Company Capital For Change, Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Was not notified of investigation status or results
Sub Product Credit reporting
Date Received 2020-08-28
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-09-04
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened To Whom It May Concern : I have a loan with C4C for an HVAC System. The loan # is XXXX. I spoke with two people who swear up and down that it's against the law to update my credit correctly. I made ALL my payments early ... The loan amount is {$180.00}. I use online banking. When you use online banking, it saves your information and the next month it prompts you and says the last payment that was sent out and do you want to use this same information? It went from {$180.00} to {$180.00} I have no idea how that might have happened accept a typo which is a banking error since my checks started off at {$180.00} and then changed. In XXXX through their website I sent an electronic message and asked why I was being charged a late fee. No response was sent. This could have solved everything. Creditors have broad discretion and it is not illegal as stated by them to not mark late a payment that was short according to legislation enacted by our president. Sometime in the course of the payment there was s typo of -XXXX cents and while these tow individuals say I received notices and say the almost identical thing word for word ... I simply did not get notices. If I were to receive a notice I would have corrected the XXXX cents difference. Let me ask a logical question ... Who pays early & then purposely shorts their loan XXXX cents? Does anyone believe that this realistic? Where is the proof these letters were sent? They have not provided me with any and simply stating an address isn't proof. When I noticed the shortage I sent XXXX cents which is more than was short so I was paid in full. I will attach all my payment history. As far as the law, we are in the middle of a pandemic as everyone else is I am affected by this pandemic and President Trump has enacted laws stating if you pay a partial payment during this time ... you will NOT be marked late. I paid on time, I paid early and I was XXXX cents..Which I was told they have funds and they cover people in this manner, why during the middle of a pandemic was I not covered and notified. Now my credit took a huge hit because of their deliberate actions stating the law does not allow them to do this. The law in fact states the opposite per the President of the United States emergency declarationCOVID-19 national emergency declared by President Trump on March 13, 2020. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( II ). and by the 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ). If a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, then the furnisher shall report the credit obligation or account as current. I want my credit restored ASAP as per this law. Thank You, XXXX XXXX
Consumer Consent Provided Consent provided
5605934 2022-05-26 Problem with a credit reporting company's investigation into an existing problem Credit reporting, credit repair services, or other personal consumer reports
Issue Problem with a credit reporting company's investigation into an existing problem
Timely Yes
Company Capital For Change, Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Their investigation did not fix an error on your report
Sub Product Credit reporting
Date Received 2022-05-26
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-05-26
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened Capital For Change ( XXXX XXXX, previously CHIF ) has been reporting to XXXX that I am financially responsible for a property that I have not owned since XXXX. After many years of calling, emailing, writing and filing disputes with them as well as XXXX the property is still listed on my credit report. This has negatively impacted my credit score by more than 100 points as my ex partner, XXXX XXXX XXXX missed XXXX payments back in XXXX. Although he owns the property to this day, XXXX has never reported any late payments by him to the credit bureaus or that he even owns the property. At XXXX AM XX/XX/XXXX, I spoke with XXXX representative XXXX XXXX regarding the matter. Again, I have spoken to many people from this organization over the years to have this matter resolved. XXXX has confirmed that although XXXX received all pages of the Quitclaim Deed paperwork back in XXXX relinquishing any and all ownership that they as a company decided that I should still be held financially responsible when he made late payments a year later. Let it be also known that in the 9 years when I did own it, I never made ONE late payment. According to XXXX, this decision was made by supervisor XXXX XXXX, and XXXX XXXX XXXX. She also confirmed the receipt of the XXXX dispute and that they as a company were upholding their decision.
Consumer Consent Provided Consent provided
3944607 2020-11-09 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Capital For Change, Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account status incorrect
Sub Product Credit reporting
Date Received 2020-11-09
Submitted Via Fax
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-11-18
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided N/A
3865948 2020-09-25 Trouble during payment process Mortgage
Issue Trouble during payment process
Timely Yes
Company Capital For Change, Inc.
Product Mortgage
Sub Product FHA mortgage
Date Received 2020-09-25
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-09-25
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened Company is my second mortgage serviced by. Capital for change I made a payment of {$76.00} And was informed they could withdraw with automatic payment so the following month they withdraw the ongoing payment and keep placing miss payment for the same missed payment from the date it was missing yet taking the present month payment instead of just withdrawing the payment for the missed payment so they reported I missed 3 payment And I have since filed for bankruptcy and they never reported my discharge to credit reporting agency which its a burden to me and my family as Im since then when I see the missed payment I called and payed they said they will inform credit reporting company of the way their payment proceses payment not just keeps making it missed payment every other month when it was for a specific month The month they said they did not process was XXXX XXXX the XXXX then on for the same payment again XXXXXX/XX/XXXXXXXX the XXXX and XXXX XXXX XXXX yet they did Receive the payment for those months stated above. So its reported I missed 3 payment which is incorrect.
Consumer Consent Provided Consent provided
3215610 2019-04-17 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Capital For Change, Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2019-04-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-05-16
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened CHIF or Capital for Change is reporting incorrect information to XXXX credit bureau I have tried for months to get it corrected and am being told that info is updated but credit bureau says they are not receiving corrected info from company. First of all they had a problem which caused them not to update info for several months. Then when they finally updated info the balance was incorrect. They keep telling me they are sending correct info to bureau but bureau says when they send the info it is updated immediately. Last update was on XX/XX/2019. My balance shows {$16000.00} now but I only owe {$15000.00}. Several disputes filed to no avail. DEPT OF BANKING told me to file a complaint with you after being at a standstill with CHIF. Credit Bureau says they can not accept my statements showing correct info has to come from company via electronic transfer.
Consumer Consent Provided Consent provided
4638139 2021-08-17 Struggling to pay mortgage Mortgage
Issue Struggling to pay mortgage
Timely Yes
Company Capital For Change, Inc.
Product Mortgage
Sub Product FHA mortgage
Date Received 2021-08-17
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-08-30
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened In XX/XX/XXXX, I entered into a rental contract with tenants. When the pandemic hit, they continued to pay rent, but stopped when I began a serious nuisance complaint and immediate eviction action due to illegal activities on the property. They didn't pay for six months, then left before eviction mediation proceedings leaving me with thousands of dollars of damage to my rental unit. I was left to pay over {$7000.00} to get the unit ready to rent in addition to the over {$6000.00} in lost rent, I am now one month behind on my mortgage after sending the mortgage company over {$4000.00} in XX/XX/XXXX and consistently send extra money with each payment. With the late fees, and interest, I can never catch up. I was ineligible for the UniteCT program for mortgage relief as the former tenants refused to sign the paperwork. Capital for Change has continued to charge me late fees and interest throughout the pandemic, and continue to this day. I am at my wits end, and financially strapped. Why aren't there any grants to assist struggling homeowners who depend on rental income?
Consumer Consent Provided Consent provided
5270831 2022-02-28 Problem with the payoff process at the end of the loan Payday loan, title loan, or personal loan
Issue Problem with the payoff process at the end of the loan
Timely Yes
Company Capital For Change, Inc.
Product Payday loan, title loan, or personal loan
Sub Product Installment loan
Date Received 2022-02-28
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2022-02-28
Company Public Response Company believes complaint represents an opportunity for improvement to better serve consumers
Complaint What Happened I have a loan with this company for a furnace unit. I've paid on time for my monthly installment for the past 5 years. There was one month when the company changed from XXXX to Capital for Change or XXXX.In XX/XX/2022 I went to make my final payment on this loan, only to find out you can not pay on line and must call to speak with someone who will send you a payoff request document. This document must be filled out and returned which I did. Once I recieved my payoff notice hood until mid XXXX, I found a late fee for for the time the company had changed names and website. I asked that this fee be removed as it was their website issue and so I could payoff the loan. I was told that I had to speak with customer service on a {$20.00} fee. I have had a string of emails and phone calls without resolution. The customer service stated they would waive 1 fee and I said there was only one, I was then told there is now another fee because I did not make payment ontime. I explained to the customer servie representative I'd like to speak with their supervisor, that it was ridiculous that they are attempting to charge me another fee and unwilling to waive it when it was their system that had the error and then when I looked for resolution they took over a week to respond, only to state there was another fee. Now I have recieved a letter threatening collections and the problem has not been resolved. I have had calls between myself and my wife to this company over the past week and their supervisor has not responded to the situation, and the employees just pick up and are either extremely rude stating you have to wait for a supervisor or hang up the call. All this aggrevation and poor customer service over a {$20.00} fee if resolved I would have paid off the loan immediately.
Consumer Consent Provided Consent provided
4152199 2021-02-19 Problem when making payments Payday loan, title loan, or personal loan
Issue Problem when making payments
Timely Yes
Company Capital For Change, Inc.
Product Payday loan, title loan, or personal loan
Sub Product Installment loan
Date Received 2021-02-19
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-02-19
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened I obtained a loan from Capital For Change ( C4C ) in XXXX associated with a green energy project. The loan was a {$40000.00} loan due monthly over 84 months. Over the past year I have ran into difficulty paying the bill through the online system so have utilized the phone system making several months payments at once. Since Covid-19 the phone system indicates that responses ( voicemail and emails ) may take 48 to 72 hours for response. I had made a payment for 3 months in XX/XX/XXXX brining my account current until XX/XX/XXXX. On Friday XX/XX/XXXX I realized I hadn't made my payment so attempted to call C4C however wasn't able to reach a representative ( C4C confirmed call based on call logs around XXXX Friday ). I tried logging into the online system however wasn't able to log in. The next day Saturday the XXXX I realized that C4C was closed so I reset my password online and utilized the online system. I made a payment for the month of XXXX and the month of XX/XX/XXXX. The online system indicated that they process all payments after XXXX M-F the next business day however the system did indicate that the payment was made on XX/XX/XXXX. On Tuesday I received a credit alert that I was given a 1 month late on my credit. I contacted C4C and initially spoke Ms. XXXX XXXX ( Supervisor in customer support ). XXXX indicated that they do not process payments over the weekend and that the reporting is correct for the XXXX. I later escalated the issue to Mr. XXXX XXXX ( Director of Loan Servicing ), Mr. XXXX advised that he looked into the situation confirmed my call on Friday the XXXX however declined to make any changes. I proceeded ( several emails available ) to provide documentation associated with CFR XXXX associated with Regulation Z and pavements. - A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section. Mr. XXXX indicated that this does not apply to his company as they are closed on the weekends and wont process payments until the following business day. I don't feel that not accepting payments and not applying payments that are made on their website ( that show a payment date of the weekend day ) should reflect a payment date for either credit reporting nor late fees is reasonable. I also don't believe based on the official clarification of the guidelines this complies. This damage to my credit is now causing me to lose out on a refinance of my mortgage that was schedule this week.
Consumer Consent Provided Consent provided
8868430 2024-04-26 Improper use of your report Credit reporting or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company Capital For Change, Inc.
Product Credit reporting or other personal consumer reports
Sub Issue Reporting company used your report improperly
Sub Product Credit reporting
Date Received 2024-04-26
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-04-26
Company Public Response Company believes it acted appropriately as authorized by contract or law
Complaint What Happened I have reviewed my consumer reports and notice that I had two late payments on an account. That I was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included in the screenshot inside of this complaint showing they have reported me being 120-149 days late. Please investigate and provide proof with statements showing that these late payments were late. If proof can not be provided I demand these payments be update to paid as agreed on time as they should be because I was never late. This account is also only reporting to XXXX and not the other two credit reporting agencies, which also another inaccuracy as the information should be reported to each agency. Please see screenshot attached.
Consumer Consent Provided Consent provided

Tax Exempt

EIN Type of Organization Exempt Organization Status Address Ruling Date
06-0842738 Corporation Unconditional Exemption 10 ALEXANDER DR, WALLINGFORD, CT, 06492-2430 1968-05
In Care of Name -
Group Exemption Number 0000
Subsection Charitable Organization, Educational Organization, Literary Organization, Organization to Prevent Cruelty to Animals, Organization to Prevent Cruelty to Children, Organization for Public Safety Testing, Religious Organization, Scientific Organization
Affiliation Independent - This code is used if the organization is an independent organization or an independent auxiliary (i.e., not affiliated with a National, Regional, or Geographic grouping of organizations).
Classification Government Instrumentality, Title-Holding Corporation, Charitable Organization, Agricultural Organization, Board of Trade, Pleasure, Recreational, or Social Club, Fraternal Beneficiary Society, Order or Association, Voluntary Employees' Beneficiary Association (Non-Govt. Emps.), Domestic Fraternal Societies and Associations, Teachers Retirement Fund Assoc., Benevolent Life Insurance Assoc., Burial Association, Credit Union, Mutual Insurance Company or Assoc. Other Than Life or Marine, Corp. Financing Crop Operations, Supplemental Unemployment Compensation Trust or Plan, Employee Funded Pension Trust (Created Before 6/25/59), Post or Organization of War Veterans, Legal Service Organization, Black Lung Trust, Multiemployer Pension Plan, Veterans Assoc. Formed Prior to 1880, Trust Described in Sect. 4049 of ERISA, Title Holding Co. for Pensions, etc., State-Sponsored High Risk Health Insurance Organizations, State-Sponsored Workers' Compensation Reinsurance, ACA 1322 Qualified Nonprofit Health Insurance Issuers, Apostolic and Religious Org. (501(d)), Cooperative Hospital Service Organization (501(e)), Cooperative Service Organization of Operating Educational Organization (501(f)), Child Care Organization (501(k)), Charitable Risk Pool, Qualified State-Sponsored Tuition Program, 4947(a)(1) - Private Foundation (Form 990PF Filer)
Deductibility Contributions are deductible.
Foundation Organization that normally receives no more than one-third of its support from gross investment income and unrelated business income and at the same time more than one-third of its support from contributions, fees, and gross receipts related to exempt purposes 509(a)(2)
Tax Period 2024-03
Asset 50,000,000 to greater
Income 10,000,000 to 49,999,999
Filing Requirement 990 (all other) or 990EZ return
PF Filing Requirement No 990-PF return
Accounting Period Mar
Asset Amount 76235581
Income Amount 10463119
Form 990 Revenue Amount 10463119
National Taxonomy of Exempt Entities -
Sort Name -

Publication 78 Data
Description Organizations eligible to receive tax-deductible charitable contributions. Users may rely on this list in determining deductibility of their contributions.
On Publication 78 Data List Yes
Deductibility Type of organization and use of contribution: A public charity. Deductibility Limitation: 50% (60% for cash contributions)

Copies of Returns (990, 990-EZ, 990-PF, 990-T)
Organization Name CAPITAL FOR CHANGE INC
EIN 06-0842738
Tax Period 202303
Filing Type E
Return Type 990
File View File
Organization Name CAPITAL FOR CHANGE INC
EIN 06-0842738
Tax Period 202203
Filing Type E
Return Type 990
File View File
Organization Name CAPITAL FOR CHANGE INC
EIN 06-0842738
Tax Period 202103
Filing Type E
Return Type 990
File View File
Organization Name CAPITAL FOR CHANGE INC
EIN 06-0842738
Tax Period 202003
Filing Type E
Return Type 990
File View File
Organization Name CAPITAL FOR CHANGE INC
EIN 06-0842738
Tax Period 201903
Filing Type E
Return Type 990
File View File
Organization Name CAPITAL FOR CHANGE INC
EIN 06-0842738
Tax Period 201803
Filing Type E
Return Type 990
File View File
Organization Name CAPITAL FOR CHANGE INC
EIN 06-0842738
Tax Period 201703
Filing Type P
Return Type 990
File View File
Organization Name CAPITAL FOR CHANGE INC
EIN 06-0842738
Tax Period 201609
Filing Type P
Return Type 990
File View File
Organization Name CONNECTICUT HOUSING INVESTMENT FUND INC
EIN 06-0842738
Tax Period 201509
Filing Type E
Return Type 990
File View File

Paycheck Protection Program

Loan Number Loan Funded Date SBA Origination Office Code Loan Delivery Method Borrower Street Address
3213168610 2021-03-16 0156 PPS 10 Alexander Dr, Wallingford, CT, 06492-2430
Loan Status Date 2021-10-16
Loan Status Paid in Full
Loan Maturity in Months 60
SBA Guaranty Percentage 100
Loan Approval Amount (at origination) 669130
Loan Approval Amount (current) 669130
Undisbursed Amount 0
Franchise Name -
Lender Location ID 15940
Servicing Lender Name Webster Bank National Association
Servicing Lender Address 137 Bank St, WATERBURY, CT, 06702-2205
Rural or Urban Indicator U
Hubzone N
LMI N
Business Age Description Existing or more than 2 years old
Project Address Wallingford, NEW HAVEN, CT, 06492-2430
Project Congressional District CT-03
Number of Employees 49
NAICS code 238220
Borrower Race Unanswered
Borrower Ethnicity Unknown/NotStated
Business Type Non-Profit Organization
Originating Lender ID 15940
Originating Lender Name Webster Bank National Association
Originating Lender Address WATERBURY, CT
Gender Unanswered
Veteran Unanswered
Forgiveness Amount 672704.8
Forgiveness Paid Date 2021-09-29
8794247102 2020-04-15 0156 PPP 10 ALEXANDER DR, WALLINGFORD, CT, 06492-2430
Loan Status Date 2021-04-21
Loan Status Paid in Full
Loan Maturity in Months 24
SBA Guaranty Percentage 100
Loan Approval Amount (at origination) 669130
Loan Approval Amount (current) 669130
Undisbursed Amount 0
Franchise Name -
Lender Location ID 15940
Servicing Lender Name Webster Bank National Association
Servicing Lender Address 137 Bank St, WATERBURY, CT, 06702-2205
Rural or Urban Indicator U
Hubzone N
LMI N
Business Age Description Existing or more than 2 years old
Project Address WALLINGFORD, NEW HAVEN, CT, 06492-2430
Project Congressional District CT-03
Number of Employees 49
NAICS code 522298
Borrower Race Unanswered
Borrower Ethnicity Unknown/NotStated
Business Type Non-Profit Organization
Originating Lender ID 15940
Originating Lender Name Webster Bank National Association
Originating Lender Address WATERBURY, CT
Gender Unanswered
Veteran Unanswered
Forgiveness Amount 675143
Forgiveness Paid Date 2021-03-18

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10 ALEXANDER DRIVE, WALLINGFORD, CT, 06492, United States

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Date of last update: 10 Mar 2025

Sources: Connecticut's Official State Website

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