Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
11/04/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am filing this complaint to address inaccurate late payment entries reported by the following creditors on my credit report:NAVY Federal Credit Union - Account(s) ending in ***************, ****************, and 406095552601****GA'S OWN Credit Union - Account ending in 401159102009****Target/TD - Account ending in 585975218460****Apple ************ *** - Account ending in 120001200402****Bank of America - Account ending in 6301005785****SELF Financial/LEAD - Account ending in 42958****I have a long-standing history of timely payments and have always maintained my obligations on these accounts. Despite this, recent reports inaccurately reflect late payments. I have already disputed these entries through the ************************************ (****) and ********. However, the information returned as verified, yet no valid documentation was provided to substantiate these claims. Furthermore, no notifications were issued prior to the reported late payments, and any delays stemmed from an ACH processing issue outside of my control.Complaint Reason:This inaccurate reporting significantly impacts my credit file and standing. These late payment entries are unjust and do not reflect my diligent payment record. I have read that under the Fair Credit Reporting Act (FCRA), creditors are responsible for accurately reporting consumer payment history. Additionally, it is essential that any discrepancies are investigated thoroughly, and proof is provided to support the accuracy of any claimed late payments.Requested Resolution:I am requesting that upper management carefully reviews this case and, given my proven history of timely payments, submits a goodwill adjustment request to the credit reporting agencies to remove all inaccurately reported late payments from my credit report. This would not only restore accuracy to my credit profile but also reflect the integrity of my payment history. If no resolution is reached, I will consider further escalation.
Business response
11/05/2024
Georgias Own appreciates the opportunity to respond to Ms.******* **** filed on 11-04-2024. Georgias Own will contact Ms. ***** once we complete our internal investigation.
Thank you.Initial Complaint
10/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received an "Adverse Action Notice" dated: 10/10/2024, from Georgia Own Credit Union for a Loan Applied for by me in the Amount of $10,500.00! The date of the Loan Application is 9/10/2024.The main issue is that I did not apply for any Loan in any amount from that Credit Union. The Second issue is how did this happen when all three Credit Bureau's have a Freeze in Place on my Credit? Something is wrong with this picture as that letter they sent me has part of my Social Security Number, how did they get it? And finally, I need those documents from the Credit Union that have that allowed them to attempt to access my Credit files without my permission.Business response
10/14/2024
Georgias Own appreciates the opportunity to respond to Mr. ********* case filed on 10-13-2024. Georgias Own will contact Mr. ********* once we complete our internal investigation.
Thank you.Customer response
10/14/2024
Complaint: 22416185
I am rejecting this response because: The business has provided No Specific information of "Source" Documents with My Electronic Signature or Any Loan Application Documents from me to the Credit Union, because "None" exists, as I did not apply for a Loan in the amount of $10,500.00. or any other Dollar amount to the Credit Union.This is Out and Out Fraud and it needs to determined where/how it orginated, the Company's reputation is on the line!
Further that Credit Union is under State and Federal Laws, answers need to be provided immediately.
Sincerely,
***** ********Business response
10/22/2024
Thank you for giving Georgias Own the opportunity to research and respond to the complaint. In response to your inquiry regarding the loan application, our Member Relations Manager contacted Mr. ******** and referred him to Lending Tree. They should be able to provide Mr. ******** with information about where the loan application originated and assist further.
We consider this matter closed.Customer response
10/22/2024
Complaint: 22416185
I am rejecting this response because:Yes, I did speak with the BBB person, and she said that they were Closing the complaint as I agreed to, which I did not do. Yes, she referred me to Lending Tree, but this is unfair making me do the work for a Fraud Loan Application that I did not submit to that Credit Union in the first place.I will consider next steps with an Attorney after Consulting with the Legal Section at ***************, Georgia, as I am a Veteran and Elderly. Thank you
Sincerely,
***** ********Initial Complaint
09/28/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
The underlying company Georgia Own Credit union has place there name on my credit report as a debt that I do not owe. As, I have stated to this financial institution on several occasion, I did not open this account. I have file Police report, *** identity theft report, theft affidavit, which have all been forwarded to this company. The address, phone, email, and other personal information they have for this account does not represent me. I am taking one finally attempt to resolve this matter amicably before seeking legal recourse for violation of the Fair Credit Reporting Act, Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Practices Act. I have provided legal documentation to relieve me of this unfortunate incident. I am reaching out to Better Business Bureau to assist me in this matter before seeking legal action!Business response
10/01/2024
Georgias Own appreciates the opportunity to respond to Mr. ******** case filed on 09-28-2024. Georgias Own will contact Mr. ****** once we complete our internal investigation.
Thank you.Customer response
10/01/2024
Complaint: 22353797
I am rejecting this response because:
Sincerely,
****** ******, I have provided documentation to this institution..Someone has open 2 accounts, ********************** card and personal loan..I need for this company to request the removal of these accounts with Experian, equifax, and transunion with all haste..This is very unfortunate for me and I expected a speedy resolution..I have exercise my rights under the fair credit reporting act as it pertains to identity theft...Business response
10/04/2024
Thank you for giving Georgia's Own Credit Union the opportunity to respond. From our findings , the information provided for opening services with Georgias Own aligns with the member ****** G ****** being the person that applied for these services.
We find no proof of Id theft and consider this matter closed.Customer response
10/04/2024
Complaint: 22353797
I am rejecting this response because:
Sincerely,
****** ******, I have never lived at the address this company has in there file for me..I never been associated with telephone number , address, nor email they have listed..I never recieve documentation with my signature or any such instrument once requested by mail to verify i open this account..I have never been contacted by this company as alleged debt..probably due to the fact the information they have is not in relation to me..If this matter persist and ************ ****** own company continues to allow there company name on my Equifax and Transunion credit report i will be force to seek legal action for violation of the Fair credit reporting act, violation of the Fair debt collection practices act, defamation, and negligent enablement of identity fraud..This is a serious and urgent matter..I did not open these accounts currently listed on my credit file..I will do what is necessary to clear my name!!Initial Complaint
09/04/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I had a credit card account with **********************. I also enrolled in the insurance option that included recovery for loss of employment. I reached out to Georgia's Own several times starting in 5/2023 once I was laid off from my employer, inquiring about filing a claim. I was given the run around and the representatives had no clue as to who their insurance carrier was for credit cards. I was finally given Trustage. I filed a claim with Trustage on 5/26/2023. I was then contacted by an adjuster who advised me that Georgia's Own did not select the insurance option when submitting my credit card profile. I paid for the insurance option for years. I then demanded that the insurance option be removed, and it was. I was never given any credit for the years of paying for the insurance option. I fell into a hardship and became past due on my account. I explained the entire situation to the collection reps. **** did not work with me at all. My credit card account has now been written off.Business response
09/09/2024
Georgias Own appreciates the opportunity to respond to Ms. ****** case filed on 09-04-2024. Georgias Own will contact Ms. **** once we complete our internal investigation.
Thank you.Customer response
09/12/2024
I received a response from ***** ******* advising that the credit insurance purchased did not include the same benefits that are now offered with their new credit insurance program. I advised Ms. ******* that I double checked with their *************** before attempting to file my claim and confirmed that I in fact had the proper insurance that included loss of employment.
In speaking with Ms. ******* she mentioned that I opened the credit card account in 2013. I mentioned that I didn't remember signing up for insurance to begin with. She offered to send the signed credit card application. Upon receipt of the application, I noticed that the option for the insurance was in fact rejected and someone forged check marks beside the clearly marked "no coverage" selection.
When I fell into a hardship in 2023 after being laid off from my job, I began looking closely at all of my bills and reached out to the ********* inquiring about the additional fees on my account. I inquired about the insurance coverage details and was actually relieved to find out that loss of employment would be covered. I made several calls and email attempts to file a claim only to be misled for the second time. I was never advised that the insurance did not cover loss of employment.
At this time I am requesting full reimbursement of the credit insurance fees that I was fraudulently charged.
Business response
10/01/2024
Georgias Own appreciates the opportunity to research and respond to the complaint.
After reviewing Ms. ***** document, our Member Relations Manager has reach out to Ms. **** to discuss what insurance coverage she had for her **** account.
We consider this matter closed.Initial Complaint
08/27/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I was scammed by a persons impersonating an **** **** I received a call on June 20th about 2:00 am from my son and the **** ** drives for **** and his account was locked and they needed someone to verify him to recove $150.00 for a customer stating his car smelled like smoke but it didnt. The person kept having me to verify my account made it seem like I was putting in some code and they had me send them money then I realized what happened, it was too late. They stole ****** in total 2 separate acct transactions. I filed a fraud claim explaining all Of this to the credit unions fraud team that is a fraud and I havent received any responses. I have went into the branch and called the only thing they say is thats a different ***** I call that **** and they say its no open claim when I give my social security number. I need my money back this has thrown my bills behind. I opened this claim the next day June 21st and the bank still hasnt called. Sent letters emailed nothing. I am on my mothers acct so they have her address to send the detailsBusiness response
08/28/2024
Georgias Own appreciates the opportunity to respond to ***************** case filed on 08-27-2024. Georgias Own will contact ************** once we complete our internal investigation.
Thank you.Customer response
08/28/2024
Complaint: 22200761
I am rejecting this response because: what else do they need, I need valid contact information to follow up on this claim and I have more information to provide, where is the provisions on how long this will take its been 2 months already
Sincerely,
*********************Business response
08/30/2024
Thank you for giving Georgias Own the opportunity to research and respond to the complaint. Our Member Relations Manager reached out to ************** and shared the decision regarding the fraud claim she filed June 20, 2024.
We will resend a copy of the decision letter by mail to **************. We consider this matter closed.Initial Complaint
08/19/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
In January of 2024, we received notice that our Georgia's Own Credit Card was going to be shut down because we had NOT used it within a couple years and it had a zero balance. We were informed that in order to keep the credit line open, we would need to use the card. In an effort to keep the line of credit open, we used the card for a grocery run. We did not have access to pay the bill online, so my wife went in to the branch to pay the balance off 02-28-24. The balance at the time was $64.40. I have the receipt from the transaction. She was assured that the balance was paid and the account was back to zero. However in May of 2024, I received notice from Credit Karma that I had a delinquent credit card balance with GA's own. Upon further investigation, we found out that the day before my wife went in to GA's own to pay the outstanding balance, on 2/27 the bank had tried to withdraw a payment from my old Georgia's Own checking account. We no longer banked there and the balance was at zero. They did NOT inform her of this while she was there making the payment. Then the day after she made the payment, on 03/01/24 GA's own charged us a return fee on that credit card account. We had no idea this was going on and were not informed of it the day my wife paid the balance of $64.40, or we would have handled it prior to the credit reporting. Once we found out, I went in to the local branch and they agreed this was an error on their part, and they had all accumulated charges removed. However, they did not report the error to the credit bureau's. I just went back to them this month as this is the only "late" payment on our 18 years of credit reporting and it is hurting our ability to get a loan. They admitted they were in the wrong and removed the charges, but still refuse to report the error to the credit unions. I would like for them to inform and remove the credit error from my credit report ***************************** and my wife's credit report ***********************************.Business response
08/21/2024
Georgias Own appreciates the opportunity to respond to ************************ case filed on 08-19-2024. Georgias Own will contact ******************** once we complete our internal investigation.
Thank you.Initial Complaint
08/13/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
They cannot get me a new debit card. I have been waiting since May 7, 2024 for my debit card. They have sent it three times, but it never arrives. They refuse to figure out the problem. They just keep doing the same thing, which results in the same result. No debit card. ***************************** the eServices Department manager is awesome, but in this case she has not been able to figure out and resolve the problem. Someone higher up and able to troubleshoot needs to get involved.It has never been my address except probably the first time, when you made me change it to be incorrect. I receive the new address change notification in the mail.Business response
08/14/2024
Georgias Own appreciates the opportunity to respond to ******************** case filed on 08-13-2024. Georgias Own will contact ******************** once we complete our internal investigation.
Thank you.Initial Complaint
08/02/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
My account had fraud activity twice in the month of July..The first instance was resolved and the stolen money was replaced in my account.. The second instance led to closing my accounts. and creating a new account..Now the problem is that I can not access any account information on line. I have by phone left numerous messages concerning this and my requests are not answered.Business response
08/06/2024
Georgias Own appreciates the opportunity to respond to ******************** case filed on 08-2-2024. Georgias Own will contact ******************** once we complete our internal investigation.
Thank you.Initial Complaint
07/17/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have a line of credit with this bank. My payment is ****** a month. I have never missed a payment or been late ever. I sent a check for ****** and they took ******* leaving me in the negative. I called multiple times and was told they cant validate my account. What I have had this account for over 20 years. All I owed on the line of credit was ******* so why did they take out *******. Im getting the run around. This is not good business I have copies of the check. .Business response
07/19/2024
Georgias Own appreciates the opportunity to respond to Mr. ************** case filed on 07-17-2024. Georgias Own will contact **************** once we complete our internal investigation.
Thank you.Initial Complaint
07/15/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This has been the worst banking experience of my life and this is from someone with an 800+ credit score. I got a HELOC from SYMMETRY and because Georgia's own and SYMMETRY are connected they recorded the loan TWICE on my credit report showing the EXACT same loan recorded twice. (SHOWS I HAVE ONE LOAN THROUGH GEORGIA'S OWN AND ONE THROUGH SYMMETRY Because of this it is showing my debt to income as being VERY incorrect. It has hindered by ability to continue to invest and I have gotten the run around from every person including manager I can talk to at Georgia's own. I demand this issue be resolved immediately to avoid a lawsuit.Business response
07/19/2024
Georgias Own appreciates the opportunity to respond to ******************** case filed on 07-15-2024. Georgias Own will contact **************** once we complete our internal investigation.
Thank you.
Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
88 total complaints in the last 3 years.
27 complaints closed in the last 12 months.