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Complaint Details
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Initial Complaint
10/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress BAXTER CREDIT UNION date:3/22/2024 Acct#****************
Business response
10/15/2024
If the member is alleging identity theft, we kindly request that they contact us at ************ for assistance in opening an identity theft claim. We look forward to the opportunity to help this member resolve this matter. Sincerely, BCU.Initial Complaint
10/11/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I have a loan with *** due on the 25th each month. I paid late last month on 9/24 and was due again on 9/25 but did not go past the 30 days. Then on Friday the 27th I get an email stating my payment was rejected for ***. I contacted my bank who confirmed not possible as funds were there. I contacted *** via number listed on email. I was told they see nothing on their end an to disregard, payment is fine. I expressed concerns if payment is kicked back I will go 30 days pay due. Again told to disregard but keep eye on payment. *** said nothing is ***orted credit bureau until the 1st so if It kicks back I can make payment on Monday 9/30. I monitored it all weekend there was nothing. On Monday morning checked again there was nothing. Figured it was ok. Later in the day I check my checking account and notice payment has not been drafted so I log on to *** and check. So on the EVENING on the 30th they returned the payment. I immediately made another payment but since it was after cut off it did not post until 10/1. They proceeded to ***ort me 30 days past due on credit ***ort. This was all done very shady. I have proof of phone calls and asked them to correct the ***orting. The *** I spoke with agreed and submitted the request; I received an email today saying none of this occurred and their ***orting is correct. Again I have proof this happens as does ***. This is no way to conduct business, and I have never been 30 days past due. I would like this corrected to the credit bureaus.Business response
10/22/2024
We have completed our investigation. Please see the attached file for resolution. *********, ***.Customer response
10/22/2024
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
09/27/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
THE RUDEST ALIVE PEOPLE I HAVE NEVER MET, TRYING TO HURT BLACKS, THESE PEOPLE THINK BECAUSE I AM PAYING MY BILLS THEY DESERVE THE RIGHT TO PROHIBIT WITHOUT TELLING ME MY DEBIT CARD PLUS, MY OVERDRAFT, AS GOOD AS THAT FEELS TO THEM, IT FEELS FOR MYSELF THE SAME WAY TO CURSE THEM OUT BEYOND MEASURE TO HURT BACK ALWAYS FOR ETERNITY!! THEN PRAY BECAUSE THEY DESERVE THE WORST WHEN SOMEONE CAN NOT PAY THEY BILLS BECAUSE OF THE WAY THEY MISTREAT OTHERS. TWO JOBS AND THE MORE I CRY THE MORE RAGE GROWS FOR EVER ON ANY ONE WHO KEEPS ON TRYING TO BREAK ME, YOU KILLED MY NIECE NOW TRYING TO TAKE AWAY MY MONEY FOR BILLS!!!!!!!!!!!!!!!Business response
10/11/2024
We have completed our investigation. Please see the attached file for more information. We respectfully request that all future interactions remain courteous and considerate, as we are committed to providing our staff a safe and respectful environment. Further abusive or threatening behavior will be reviewed and acted upon. Sincerely, BCU.Initial Complaint
09/22/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
My credit union account was closed, but I was not given the account balance back as a refund. I would like the $26 back. I have contacted the company *** but they have refused to refund my money. I asked to have someone else contact me about my complaint, but never received a call back, I will be contacting **** as well.Business response
09/27/2024
We have completed our investigation. Please see the attached file for more information. *********, ***.Initial Complaint
09/12/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Yes I can not pull up the debit card to unlock!!!!Business response
09/18/2024
Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.Initial Complaint
09/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
On 09/4/2024, I checked my bank account to find 190$ taken out of my bank account for the 3rd time for same payment 2 was fully aware of and agreed too was able to get one payment stopped. Well I tried to get my bank since one reason I choose them cause my work is with UHC and I thought this is gotta be great company- well surprise worst banking ever beside chime. So I called to solve the situation to bank to file dispute, but apparently they cant file dispute cause theres no charges on their end even though its showing up on my end, so I explained this to the third party agent and respond back call Monday to file dispute to member services which confused cause I was told this agent handles disputes in first place, so anyway this charge is on my account that led to overdraft fee of funds I did no have but my bank didnt do job right, I reached out to the company that did the charges who was willing to refund it but stated BCU wont let send the money back so they offered to send back my money in a check which this isnt going to work since it cause withdrawal issues which I had with fee protection in first place so fact this happened doesnt add up anyway, so because they cant see the charge and wont let company send back payment, please stop these withdrawal fees. This is worst bank ever used and customer service is horrible. I just simply dont get how they cant see the charge unless they are restricted due to being off shore agents but if this is case they need to do better and make sure they have onshore agent available so they can file a dispute but the fact of matter is the company trying legit refund the money accidentally taken out that wasnt supported to begin with and BCU some how doesnt see it for themselves- it just doesnt make sense. Even chime let you send back money and even sees all charges to dispute. Def need better customer service now I get why our own customers are upset if they deal with what I do with third parties then something gotta give.Business response
09/11/2024
Please see the attached document for a recap of our earlier discussion. We appreciate your membership. Sincerely, BCU.Initial Complaint
08/07/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
upon reviewing my credit report I noticed a fraudulent hard inquiry on my transunion credit report. this inquiry is not made by me. This is fraudulent. I am enclosing a copy of my FTC Identity Theft Report, and id Social requesting for this fraud inquiry to be removed from my transunion report immediately. thank you.Business response
08/08/2024
If the member is alleging identity theft, we request that they contact us at ************ for assistance in opening an identity theft claim. We look forward to the opportunity to help this member resolve this matter.Initial Complaint
07/30/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
Every time I speak with customer service they claim they cant hear me or that I'm breaking up and eventually end the call without ever resolving my problem. My phone is brand new and doesn't have this issue when I speak to anyone else. This ONLY occurs when I speak with BCU representatives. I know other BCU memebers who have described the same exact problem. SO WHY HASN'T IT BEEN RESOLVED YET. They are in charge of people's money and I find it highly unethical, unprofessional, and RIDICUlous this I have to deal with that whenever I have an issue regarding my money. TERRIBLE SERVICE.Initial Complaint
07/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
To Whom It May ********* am ************************* , writing to express my extreme dissatisfaction with the disgraceful service I have received from BCU. Despite being a loyal customer for six years and entrusting you with our financial needs, your institution has severely failed us.Due to an issue with your system, my credit card auto payment was cancelled. Despite my repeated complaints, nothing was done. Instead, the amount accrued to $150. The branch manager assured me that no late fees would be incurred until the issue was resolved, but BCU continued to add late fees, ultimately extorting $250 from me under false pretenses.When I sought resolution in person, I was met with blatant indifference and a refusal to assist. This is not just unacceptable, it is appalling.I demand an immediate refund of the $250 late fee. If not resolved promptly, I will escalate my complaint to higher authorities and expose this issue on every platform available.BCUs blatant disregard for its customers is intolerable, and I expect immediate corrective billing adjustment.Business response
08/06/2024
Please see the attached file. Thank you for the opportunity to further research this matter. *********, BCU.Initial Complaint
07/26/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
On 7/9/2024, I received a notification from Baxter Credit Union that they had received an ebill for me from J ******************* Since I do not have an account with *****, I immediately looked at the bill and discovered that the name on the bill is ******************* who resides at ***********************************************************************************************************. I called the credit union to let them know of the error and to have them send the bill back to JJill/Comenity so that they could route it to the proper person. That started several transfers back and forth between ****** Services and the ******************* each of whom claim the other was the right place to go and no one seems to know what they're doing.I also contact Comenity/JJill who verified I do not have an account with them and that the way to remedy it is to contact the credit union to have them resolve. No one is willing to fix the problem and I'm frustrated by being bounced all around with no resolution.Business response
08/08/2024
We have completed our investigation. Please see the attached file for more information. *********, BCU.Customer response
08/08/2024
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. I'm disappointed in their lack of apology for the abuse I had to endure from the various units that just kept bouncing me back and forth without anyone taking responsibility and will look into closing my accounts there.
Sincerely,
*************************
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Customer Complaints Summary
168 total complaints in the last 3 years.
72 complaints closed in the last 12 months.