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Complaint Details
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Initial Complaint
05/10/2022
- Complaint Type:
- Billing Issues
- Status:
- Resolved
My wife made a payment from Georgiasown Credit Union through **** pay to Justice Federal Credit Union for over $1700 to pay off credit card that she has had for 10yrs and we had the same number for 10 yrs. It was paid and someone in Justice Federal Credit Union cashed it but say they can't find where it is. There excuse is that the credit card number has changed but we never got new card nor did we know it changed. My wife contacted Georgias Own Credit Union to see if we can stop payment but it was already taken out of our account at GeorgiasOwn so they denied us a return or stop payment, reason I don't Know. Now we are trying to recover money at Justice Federal where the credit card is and they say they can't find it, why They don't know. What I need is help to resolving this and to get answers into the matter. I don't know why all of a sudden the credit card we have for 10yrs decided to change numbers but was never notified. Someone in Justice Federal needs to be accountable for this action. All I'm looking for is credit the correct amount to credit card for payment.If you need documents to support my claim I'll be happy to, if you decide to help
Business response
05/13/2022
Georgia's Own appreciates the opportunity to respond to Mr. ******** case filed on 05/10/2022. Georgia's Own will contact **************** once our internal investigation is complete. Thank you!Customer response
05/13/2022
Complaint: 17185949
I am rejecting this response because: this matter has been handle and corrected. Please close case thanks
Sincerely,
*************************Initial Complaint
04/06/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Never can get ahold of a customer service person tried (3) times today and on hold 30 minutes or longer. Since the original loan on the Keystone Camper we purchased they have not had the information on the account right, and it is like pulling teeth to get assistance. We have never received a statement from them as we have asked and a Interest paid statement on that Camper for tax purposes. Only way to pay is by coupon book because their information is wrong and we can't create an online account to pay by Strange we are paying them money but get NO HELP NO ASSISTANCE and their service terrible for a bank We Need to be called as soon a possible to get the information that we need taxes got to be paid. Thanks ****** and *********************Business response
04/07/2022
Georgia's Own appreciates the opportunity to respond to Mr. *******' case filed on 04/06/2022. Georgia's Own will contact ****************** once we complete our internal investigation. Thank you!Initial Complaint
04/03/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
This complaint is in reference to the account listed on my credit report by GA OWN CU under account (#************). This account is being illegally reported on my credit report. I formally disputed it directly with GA OWN CU in regards to their illegal re-porting and have not received any satisfactory reply.This vehicle was repossessed by GA OWN CU in the *******************. Under the laws of the State of Georgia UCC ***** and State RISA and MVISA statutes, a deficiency cannot be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I requested GA OWN CU to provide me with copies of the legal notices and proof of the commercially reasonable manner ofthe resale of the subject vehicle, and no such proof was provided within the 14 days time frame from the receipt of the notice. The alleged claim of a deficiency is considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports is considered a violation of the ***** and FCRA.Business response
04/06/2022
Georgia's Own appreciates the opportunity to respond to ********************** case. Georgia's Own will reach out to *********** once our internal investigation is complete. Thank you!Initial Complaint
03/04/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
There are duplicate Georgiasown accounts on my credit report. I only have one account with Georgias OWN that is being reported to credit bureaus.Business response
03/08/2022
Georgia's Own appreciates the opportunity to respond to ************************ case. Once our internal investigation is complete we will contact ********************.Customer response
03/31/2022
Complaint: 16845190
I am rejecting this response because since submitting the original complaint, I have endured further serious issues with my card. For several charges, my card has been charging duplicate charges of a single charge. In addition, the incorrect available credit is showing on my card although I have only a $335 balance, it is showing only $888 available credit although I have a $2000 credit limit.In addition to the unresolved issues with the credit reporting (not showing the $2000 credit limit on my credit report). My credit is also showing an inactive account as open, and it should be showing as closed.
I have endured consistent credit reporting issues at GeorgiasOWN and I have over a span of several months reached out to *****************************, an employee at Georgias OWN branch, located at ******************************************************* in ******** ** and my requests and communications have consistently been ignored by ******************. She has failed to respond to, address and resolve these issues. Extremely egregious bad customer service I have received from ********************** OWN bank.
Sincerely,
*********************************Business response
04/06/2022
Georgia's Own appreciates the opportunity to respond to ************************ case. Georgia's Own is conducting additional research and will contact ******************** once complete. Thank you!Customer response
04/06/2022
Complaint: 16845190
I am rejecting this response because:
Sincerely,
*********************************Initial Complaint
02/27/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
A credit card was charged off but is reporting on my credit as open account and being updated after several recent disputes about the inaccurate debt balance owed, dates of first delinquency and statue of limitations. A ****-C they filed cancelled out the debt. This is a violation fair credit reporting act to request payment from me after Georgias own credit union tax write off. More than 6 years has passed and Georgias OWn Credit Union has no record of the debt to validate the negative account. The statue of limitations of 6 years has passed. The account is hindering my ability to get approved for housing and my dreams over homeownership are held over . The income is not supposed to be reporting to my credit reports. I am a consumer who has suffered long enough. Please delete the chargeoff from my credit reports.Business response
03/01/2022
Georgia's Own appreciates the opportunity to respond to ********************** claim filed on 2/27/2022. Georgia's Own will contact Mr. ******* once our internal investigation is complete. Thank you!Initial Complaint
02/25/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
Our accounts keep getting hacked and the bank will not stop them from getting into our accounts. We have credit, debit cards, checking and saving accounts with Georgia Own Credit Union. At one point we had a mortgage and car loan. We have paid all our loans off. We have had multiple times where our debit and credits have been hacked. We contacted the bank multiple times and we get transferred around. No one seems to be able to help us. We were told we would hear from investigator with in 48 hours about our case. No one has reached out to us. The company we keep reporting is door dash. They have no reason to take money from us we don't even have account with them. They have hit our debt cards and credit cards. We have replaced them once. And now we got hit again by the same company. What makes me so mad is not one person couldn't help us. I reached out to the bank several times. I was told there no security on my accounts. We have been loyal customers for a long time and never had issues. The bank is sadly unable to provide us with the customer service we deserve. The bank has cause us so many problems. The bank representatives at the branches have messed all our accounts which cause us to overdrawn our accounts. We have never overdrawn since we been banking with them. We have thought about taking our money out and find a new bank. We have always like the bank. We have several amount with a good bit of money in them. I want someone to reach out to us. I want it to be someone from corporate. The bank owes us explanation as to why they were unable to stop our accounts from being hacked and why they never refunded us they owe us money. Super disappointed in this bank.Business response
03/01/2022
Georgia's Own appreciates the opportunity to respond to ************** claim filed on 2/25/2022. Georgia's Own will contact ************** once our internal investigation is complete. Thank you!Initial Complaint
02/24/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I was scammed through an account with Georgia's Own Credit Union and filed multiple disputes with them in an attempt to get my money back. The total amount was over $1,600 and GOCU said that my disputes were denied because they were person-to-person transactions. I provided proof that I was scammed and they are refusing to help me after multiple phone calls to them begging to recover my money.Business response
03/01/2022
Georgia's Own appreciates the opportunity to respond to the claim filed on 2/24/2022. Georgia's Own will contact the member once our internal investigation is complete. Thank you!Customer response
03/04/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***********************Initial Complaint
02/23/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
On 2/23/2022, I noticed after making purchases with my Georgias OWN Card, I was being double charged for a single purchase. I was charged twice for a purchase of ***** from CVS Pharmacy on 2/23/2022 and I was also charged twice for a purchase of $201.38 from Target online store. There is a posted charge of $201.38 on 2/22/2022 and there is also a pending charge for that same charge on 2/19/2022. I only made one purchase from Target for $201.38. Please see the attached screenshot for my Georgia's OWN credit card transaction history. I called Georgia's own and attempted to discuss this issue with a representative, she was rude and the manager came to the phone and insisted that she did not see the duplicate charge.Business response
03/01/2022
Georgia's Own appreciates the opportunity to respond to ************************ claim filed on 2/23/2022. Georgia's Own will contact ******************** once our internal investigation is complete. Thank you!Initial Complaint
02/15/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I purchased a car using Georgia's Own Credit Union in 2020. I have always had full insurance on the vehicle since the purchase with Esurance. On July 28, 2020, we purchased a new home and combined auto and home insurance with a new insurance agency.On Oct 27,2020, GOCU added a $5,143.00 Financed Disbursement charge on our account, then added a $5,323.00 Financed disbursement on Sept 14, 2021- Both with no explanation. We never received any notification, letter, or messages indicating that they did not have our insurance information or any contact requesting information. The charges appeared without any explanation. I reached out asking for an explanation and their response was - "The disbursement is a temporary insurance policy. Your insurance agent can fax a declaration page with the lien holder added to your policy to *************************** directly, as proof of insurance. You may let us know if you have any additional questions or if you need any further assistance."Our insurance agent has sent our insurance binder and all documentation proving the vehicles insurance throughout the entire period and they had no contact from GOCU asking for proof of insurance at any point. I just want to have all the charges removed/refunded and refund any interest if there was any additional interest added because the loan amount increased because of the charges and the loan amortization was incorrect.Business response
02/18/2022
Georgia's Own appreciates the opportunity to respond to ************************ case filed on 02/15/2022. We will contact ******************** once our internal investigation is complete.Initial Complaint
02/12/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
On January 31st, my sister and I received texts that our debit card was compromised. When I called (customer service is a joke as well) I was told I would have to go to the branch and get a new card. On went on 2/1 to the branch in ******* **. The lobby was closed and had to use drive thru. We waited in line only to be told the card machine maker was broken and to come back the next day. We are both high school students and already had to check out to go. I tried again on Saturday, 2/5 and was told again the card maker was broken. I tried on again Saturday, 2/12 and was told again the card maker was broken. They told me I could "try" another branch, but the next closet branch is an hour away and again, we are high school students and have to leave school early to make it to the branch by 4pm. I don't understand when I called why they just couldn't mail us new debit cards the first time. They told me "you have to go to the branch". We are going on 2 weeks now. We just need our cards as soon as possible.Business response
02/18/2022
Georgia's Own appreciates the opportunity to respond to ******************** case opened on 02/12/2022. Once we complete our internal investigation we will contact ****************.Customer response
02/19/2022
Better Business Bureau:
I went to Georgia's Own Credit Union yesterday. Their card maker was working finally. Although it took 2.5 hours to get the whole thing complete, I'm satisfied with the way that I handled it (not Georgia's Own). I do have my card now though.
Sincerely,
*****************************
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Customer Complaints Summary
88 total complaints in the last 3 years.
27 complaints closed in the last 12 months.