ComplaintsforPrestige Community Credit Union

• Initial Complaint

  11/13/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  November 8, 2023- I applied for a personal loan of $6000 at the business in question in which I am a member and met all requirements in their guidelines. I spoke with loan officer *************************** over the phone after receiving a voicemail stating they needed to verify more information. We got everything taking care of and he stated that all looked good and didn't need any further information, and he was sending it in with the recommendation to be approved for the $6000 and I should get my offer email and contract shortly after. Once I received my offer it as well as the contract had a different amount per what was stated in our phone conversation. I emailed ******************** to inquire about the changes and his response was that he recommended the $6000 but the underwriter felt more comfortable with $1000. They never gave a reason why they felt more comfortable with the changed amount. I truly believe once ******************** spoke with me my race was used to make that decision instead of them following the guidelines appropriately.

  Business response

  12/04/2023

  I believe this complaint has been resolved.   We were able to approve a larger loan for this member after further discussion with the member about the loan request.   

  The credit union has taken a high amount of losses on unsecured loans from new members that apply for a loan online that are requesting an unsecured loan for a larger amount than they have had with other creditors.   Our loan underwriter approved a loan for the member for a lesser amount because the member fell under this criteria.   The underwriter did not have any information that showed the member's race.when making this loan decision.  The decision was made based upon the credit union's previous loss history.

• Initial Complaint

  09/21/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I filed a fraud dispute with this bank for the amount of $******* on 8/31. My card was lost/stolen and then was used at a merchant without any authorization from myself. I have called multiple times for updates on my dispute or to get a provisional credit to my account while they do their investigation. Supposedly the claim was denied because the card was present but of course the card would be present if was lost/stolen. I was told by multiple people in their dispute department that the dispute is still open and that they mailed a letter to my home on 9/12 requesting information. I was then told by the another department that I was mailed a a denial letter. I never received either letter. I spoke to a manager by the name of ****** today who stated that she will look for the letters and she would call me back. I never received a call. I did however receive an email with the decline letter attached dated for today and. That lets me know that I was never sent a letter and she just created it today. I am requesting that every call that *** made to the dispute department be pulled and listened to. I am also requesting that my dispute be reopened and to have a thorough investigation done. I am also requesting to have a provisional credit in the amount of ******* credited to my account while the investigation is done. It is irresponsible and unprofessional of your employees to provide any banking customer inaccurate information. Due to the inaccurate information Ive been receiving from your dispute department, Ive been waiting patiently for a dispute that has supposedly been closed and this far have incurred late fees. Also Im now at risk of being evicted because Ive been waiting for letters to come to my home that still has not arrived. I was told just Monday, September 18 that a letter was sent to me on September 12, 2023 requesting more information and not a denial. I am including the denial letter the manager sent me dated for today, September 20.

  Business response

  12/04/2023

  This complaint was resolved on October 14, 2023.   The credit union paid the claim and reimbursed the late fees she incurred.

  Emails from the BBB were going to junk mail, so we are just not responding.   We have corrected this issue so we can respond to future complaints in a timely manner.

• Initial Complaint

  01/31/2023

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I am not liable for this debt with PRESTIGE COMMUNITY CU/ ****** and do not have a contract with PRESTIGE COMMUNITY CU. They did not provide me with the original application like I requested.Correction to a credit report. I demand this account be deleted from my credit report.

*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. ↩