ComplaintsforFlorida Credit Union

• Initial Complaint

  10/01/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I don't know what's going on but when I went inside my bank to sign my loan documents for my home my banker gave me a copy of my credit report and I notice FLORIDA CREDIT UNION listed on my EQUIFAX 2 times on the same day on August 04, 2024. This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. I'm also asking for security footage for the day of August 04, 2024 and any documentation you may have for the person who tried to open an account in my name. I filed a police report, and my next complaint will be to the CFPB and The State Attorney.

  Business response

  10/15/2024

  Good afternoon,

  Please see our response to this complaint attached. 

  Thank you,

  **** ********

  Customer response

  10/16/2024

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

   Complaint: ********

  I am rejecting this response because: I am not a member of this credit union. What are you talking about it. Someone stole my identity and try to apply for an account with your bank. It put a hard inquiry on my EQUIFAX report. Please do something about this. To get rid a me all you did was add my name to a pre made ready letter. Again FIX THIS ISSUE CAUSE YOU ALL NO DAM WELL I DON'T HAVE AN ACCOUNT WITH YOU ALL. 

  Regards,

  ******** *****

  Business response

  10/17/2024

  Good afternoon,

   

  Attached is our response to this complaint.

   

  Thank you,

  **** ********

• Initial Complaint

  09/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had took out a cash loan at florida Credit unions two times I paid it back but I came into a homeless situation and I couldn’t pay the money right back .Which at the time and still is in a alpha shelter. So I went into the bank to explain to the bank representative she said just try to pay it back.I’m living in an alpha shelter right now .So last week I went to pay my car insurance and it said I had only 22.00 dollars after my check was deposited every week my car payment credit card and loan come out on automatic . So I noticed the back took $150.00 out toward the cash advance which let 22.00 dollars. ??So the next day I call crying my car insurance due ***** you don’t need to yell ok **. ***** who would’ve not been shark of this out come.?? I need my car for work and I was transferred to a Supervisor name ***** just no Empathy at all. I’m not refunding it we need our money I go but no one notify me about this we don’t have to ! I said not 75.00 but 150.00 dollars 22.00 dollars for me to live on gas and food . ***** go is there anything else . So now the second week they have did the same thing took all my money and left me with 22.00 dollars another week . I have been borrowing to get to work ***** ask like he was the big chief he didn’t care if I was sleeping in the park starving he wasn’t refunding me anything. But who gave permission to take $ 150.00 when they see every week 88.00 car payment 20.00 credit card 20.00 flash loan and they automatic $150.00 to who does that to someone the Supervisor ***** has no business working with customer. Then he hung up on me after saying is there anything else I can help you with I’m just so disappointed. Can’t pay my car insurance cause two weeks I only brought in 44.00 dollars.

  Business response

  09/17/2024

  Good afternoon,

   

  Attached is our response to the complaint from ***** ******. Please feel free to reach out with any further questions.

   

  Thank you, 

• Initial Complaint

  07/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  Two days ago I was on hold for an hour then got hung up on. Today I was on hold and the phone just went silent and got hung up on. I can't get a hold of anyone. I paid off my loan And it says to call you guys after I pay it off to close it out.

• Initial Complaint

  03/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm writing to express my urgent concern about the disclosure of my personal information to credit bureaus, resulting in inaccuracies on my credit report. This has caused significant financial and emotional distress. As outlined in 15 USC 1681 Section 602, I assert my right to financial privacy and expect my information to be treated confidentially. Furthermore, 15 USC 1681 Section 604(a)(2) underscores that a consumer reporting agency cannot share account information without my explicit consent, which I haven't provided. I've identified discrepancies on my credit report associated with FLORIDA CREDIT UNION, negatively impacting my financial situation. I urgently request the correction of these errors. Additionally, I want to emphasize 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under specific circumstances. For your reference, my account details are as follows: Account Number: 5439460001**** I request a thorough review of my account, immediate rectification of credit report inaccuracies, and strict compliance with federal laws governing my information. Failure to address these concerns promptly may result in legal action. Your prompt attention to this matter is appreciated. Sincerely, Lamar Williams

  Business response

  03/19/2024

  March 19, 2024
  Better Business Bureau:
  In response to the complaint made by ***************************, we appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing account information with a third party. We have responded to our member to seek a resolution.
  
  Best regards,
  
  
  *******************
  SVP Credit Services
  Florida Credit Union

  Customer response

  07/25/2024

  I am urgently writing to address inaccuracies on my credit report due to the unauthorized disclosure of my personal information to credit bureaus, causing significant financial and emotional distress. According to 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to be kept confidential. Moreover, as stated in 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot share account details without my explicit consent, which I have not given. The errors linked to FLORIDA CREDIT UNION have adversely affected my financial standing and require immediate correction. Furthermore, please ensure compliance with 15 USC 1666(b), which prohibits creditors from marking credit card payments as late under specific conditions. For reference, my account details are: Account Number: ************** I request a thorough review of my account, prompt correction of the credit report errors, and strict compliance with federal laws regarding my information. Failure to promptly address these issues may result in legal action. I appreciate your immediate attention to this matter. Sincerely, ***************************

• Initial Complaint

  01/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have had an auto loan with the Florida Credit Union since 2014- In 2021 I moved to Kentucky, so my payments fell behind and I was not able to catch up. They threatened with repossession, so I refinanced and was able to have the account caught up. Since 2021 they have been charging me $22.28 from my loan payments, that I did not notice until 10/2023. Due to this fee I am not able to bring the loan amount down because it keeps brining the amount back up. When I asked about the fee, they said it was not a fee but a charge for insurance because they did not have my car insurance on file, which is a lie because you cannot drive in Kentucky without car insurance. The CU provided me with the number to call and have it cancelled. I gave the insurance company my car insurance information. The next payment they took the fee again, I called the CU and they directed me to the insurance company, which redirected me back to the CU saying that it was up to them to cancel it. She also mentioned I may be able to get the total amount that was erroneously taken put back towards my loan. I mentioned this to the CU and they then said that the fee was for debt protection that was not authorized. I asked them to cancel that, and with the next direct deposit another fee was taken out, which is now being called a late fee. The payment plan that they agreed to is to get a certain amount deposited directly to the loan. There should not be a "late fee" due to the loan being paid every two weeks via direct deposit. Can you please help me? This company is swindling me and it needs to stop.

  Business response

  01/05/2024

  
  
  January 5, 2024
  Better Business Bureau:
  In response to the complaint made by ******* ******, we appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing account information with a third party.  We have responded to our member to seek a resolution.
  
  Best regards,
  
  
  *** ******
  SVP Credit Services
  Florida Credit Union
  
  
  
  

• Initial Complaint

  07/20/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On July 6th I deposited a check for $5,700 in person to a teller. I was told because my account was new that the check would be placed on a 7 business day hold and released 7/17 (deposit receipt will be attached). It was a bonus check from a previous job I had. 3 business days after the day of deposit my online banking was restricted but my card was still allowing me to deposit money through Cashapp and Apple pay and also make purchases. I called Thursday July 13th asking why my mobile banking was restricted and I was told it was because the check was suspected to be fraudulent, I denied these claims but was rudely told by a bank employee that the check was fraudulent. I called back Tuesday July 18th which is one business day after the check was supposed to be available and which is also the 12th day and 8th business day after the deposit, I was told that the check would not be released or my account unrestricted until I could provide paystubs that would verify my employment with the check writer. I provided these paystubs the same day and as of 9:30am July 20th (the 10th business day and 14th calendar day after the day of deposit) I have received no correspondence from Florida Credit Union and my account is still locked with money that wasn't even from the check deposit. This financial institution is breaking federal regulation CC as it is true Financial Institutions can choose their own funds availability schedule for new accounts however: Florida Credit Union is not following the funds availability schedule set forth in the deposit agreement I was furnished or the deposit receipt I was given at the time of deposit. Not only that but once the check was suspected to be fraudulent the hold should have changed from a new account hold to a doubt of collectibility hold, which according to Federal Regulation CC I should have received a written notice about any hold extending the 7 business days I was told.

  Business response

  07/26/2023

  July 26, 2023
  Better Business Bureau:
  In response to the complaint made by ***** *****, we appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing account information with a third party.  We have responded to our member to seek a resolution.
  
  Best regards,
  
  
  *** ******
  SVP Credit Services
  Florida Credit Union

• Initial Complaint

  06/12/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I submitted a transaction dispute on June 7th 2023. Florida credit union refuses to submit my claim to visa even though I provided an ample amount of evidence and claims I need to submit something else. I am demanding my claim be submitted to visa.

  Business response

  06/14/2023

  June 13, 2023
  Better Business Bureau:
  In response to the complaint made by Ma**** ******, we appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing account information with a third party.  We have responded to our member to seek a resolution.
  
  In general, Visa provides guidance on how transaction disputes are to be handled, which Florida Credit Union follows when processing a dispute and providing an outcome.
  
  Best regards,
  
  ******* ***** ** ******** ******** ******* ****** *****

  Customer response

  06/15/2023

  *** ****** ** ** ******** **** ****** ** * ****** *** **** **** ** * ****** *** *** *** ********* *** ********* ** ** ****** ** ******** **** ********* **** ** ****** **************** *********  ********** ********

  I am rejecting this response because:

  This doesn’t answer or address my issue. Speaking to someone in card services, I was told it wasn’t going to be submitted to Visa because they feel they wouldn’t win it. If I’m asking you to submit it, then submit it. I submitted all required documents to file the dispute. Florida Credit Union is blatantly denying my consumer financial right and recourse.

  Regards,

  Ma**** ******

• Initial Complaint

  05/10/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  FCU is refusing to honor the $300 for opening an account with them. I was hung up on by the FCU agent yesterday. She responded by saying that she had 60 customers on hold and the bank is very busy when i was researching to find out with her why i have not been honored with the 300 dollar bonus. My call was not important as she stated. I followed all the requirements by opening a checking and a savings account. Depositing $5.00 in the savings and having a direct deposit of $500 into my checking account. FCU does not communicate with you via email or phone calls. I have emailed on their website, which is for customers. The agent said that they do not respond when you email from the FCU website. I also email the bank from my FCU app and never had a reply regarding my questions concerning my direct deposit. This is not the way to treat customers as their flyer said they are welcoming new customers and are efficient. I have since stopped my direct deposit from being deposited and I will not do business with FCU.

  Business response

  05/11/2023

  May 11, 2023
  Better Business Bureau:
  In response to the complaint made by ****** *******, we appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing account information with a third party.  We have responded to our member to seek a resolution.
  
  Best regards,
  
  
  ******* *******
  VP Branch Operations
  Florida Credit Union
  

• Initial Complaint

  05/09/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Obtained an auto loan on 3/30/23 was told all paperwork was filed and they were to take care of everything and send me my tags. Was told their title department would take care of all DMV paperwork here it is now may the car is parked due to expired temporary tags and still no information from them about my tags and registration. They want the first payment but have occurred me a cost of a rental out of pocket and still haven't taken care if the title registration or Obtained tags this is the most insane bank ever

  Business response

  05/16/2023

  May 16, 2023
  Better Business Bureau:
  In response to the complaint made by **** *****, we appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing account information with a third party.  We have responded to our member to seek a resolution.
  
  Best regards,
  
  *** ******
  *** ****** ********
  Florida Credit Union

• Initial Complaint

  01/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had a loan with Florida Credit Union, it has been paid off. I do not live near the Florida Credit Union Branch in Gainesville, FL I have a small amount in a savings which i have no debit card for (never had one) that i would like to get back. I have tried to call every day, and cant sit on the phone for a half and hour at a time. No one ever answers. I have written to them 3 times no one has called me no one has written me back. I just want to get the $132.00 that is left on the savings account. (************. I would appreciate if you can contact them. thanks Helen nolan

  Business response

  01/12/2023

  January 12, 2023
  Better Business Bureau:
  In response to the complaint made by Helen Nolan, we appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing account information with a third party.  We have responded to our member to seek a resolution.
  
  Best regards,
  
  
  ******* *******
  VP Branch Operations
  Florida Credit Union
  

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