ComplaintsforAll In Credit Union

• Initial Complaint

  08/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with ALL IN FCU, I do not have a contract with ALL IN FCU, they did not provide me with the original contract as requested.

  

  Business response

  08/04/2023

  On August 9, 2021, you signed a sales and service contract with ****************** to have solar panels installed on your home. Al ** Credit Union provides the financing for customers of ******************. Perhaps ****************** did not inform you of that at the time you signed the contract with them.

  Additionally, on September 17, 2021, a representative from All In Credit Union called and left a voice mail message for you to welcome you to the Credit Union and thank you for your membership. On September 29, 2021, a second call was placed to you and another voice mail message was left. Several attempts were made to contact you via text message and email during January 2022. Then on February 3, 2022, we sent a text message concerning a late payment. On March 31, 2022, you contacted the Credit Union and requested a payoff of your loan.From April 2022 through June 2022, numerous text messages and emails were sent to you. On July 8, 2022 and July 13, 2022, text messages were sent to you concerning you late loan payment. On July 13, 2022, you made a $184.37 payment.You did not make further loan payments and on January 10, 2023, your loan was charged off. On August 1, 2023, your account was sent to an outside attorney for collection.

  If you would like a copy of your contract or any documents,please do not hesitate to contact All In Credit Union directly at ************.
  

• Initial Complaint

  06/29/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 2/11/23, All In Credit Union assumed a credit loan from ******************* date unknown. Neither on the credit companies notified the lender, *************************** that a transfer in the creditor was conducted. All in Credit Union violated the Fair Credit Leaning Act, failing to notify the leaner of the transfer, and the terms of payment. All In Credit Union sent a email to *************************** without any explanation of the amount of $10,073.10 was render due. All in Credit *****, acted with prejudice, and intentionally filed a delinquent payment with Trans Union Credit Bureau. The critical information withheld was that ****************** was investigating the roofing installer, Dream Home Roofers work deficiencies. The issue here is failure to properly notify the lender of all changes in the terms of agreed payment. The lender *************************** filed a complaint with the Trans Union Credit Bureau (file # *********) to find out what credit company filed a delinquent payment. Instead of filing a fraud case, a complaint of improper business was filed, and All In Credit Union failed to withdraw the delinquent notice to the Trans Union Credit Bureau, after verification of payment was made on 6/20/23 in the amount of $304.00 to establish verification of account. All In Credit refused to accept that date as the official date of confirmed contract of payment, and correct the information reported to Trans Union Credit Bureau. Another complaint will be filed according to the Fair Credit Lending Act, and Good Faith,

  

  Business response

  07/06/2023

  On January 26, 2023, All In Credit Union called ******************. A representative from All In left a welcome voice mail message and also sent a welcome email to ******************. In February 2023, ****************** alleged that this loan was fraud and that he would report us to an appropriate federal agency. A representative from All In tried to call ****************** at that time, he answered but stayed silent on the phone. The All In representative kept saying hello but ****************** would not speak to her. There were numerous attempts by All In to collect on the delinquent loan from February 13, 2023 to June 16, 2023. On June 20, 2023, ****************** sent a text message to All In that stated he had no account with All In. An All In representative spoke to ****************** on this day and advised him that he was 138 days delinquent on this loan. ****************** told the representative that ****************** was investigating the matter and that there were sub standard materials used on his home and that he was not paying until it was resolved. All In provided ****************** the phone number to ******************. Also, on June 20, 2023, ****************** made a loan payment. At that time, All In determined that the address we had on file for ****************** was incorrect so we obtained a correct address for ******************. This is why he never received his welcome letter or statements. On June 30, 2023, ****************** called All In and requested a copy of his statements. A collections representative spoke to ****************** about his delinquent loan. ****************** stated that he intended to pay off the loan. ****************** also stated that he felt like his payment amount should be higher. The collections representative explained to ****************** that the payment amount is based on the loan agreement and the balance that was borrowed. ****************** did not understand that the contractor used less materials than what was approved. The collections representative explained to ****************** where he could find all this information in the loan agreement. All In Credit Union has a right to collect on debts that are owed by its members. All In Credit Union has not violated any federal regulations or state laws. 

  Customer response

  07/12/2023

   
  Complaint: 20253256
  
  I am rejecting this response because:
  All in One Credit failed to send proper notification and identify, All in One Credit as the credit company assuming loan payment.  My first response to All in One Credit by Email, at *********************.  I have no account with your ********************** company.  They failed to send any explanation,  On further investigation,  ****************** was investigating the work of One Dream Home ************** ****************** failed to make proper notification of any collection attempt. The transfer of the loan payment was malicious attempt to discredit the credit rating of ***************************, and collect penalty fees from payment sent in a attempt to resolve the issue.  On June 7,  2023 after payment of $304. dollars,  *************************** requested a hard copy letter be sent to *******************************************************  *****, the **************** failed to send the invoice.  On July 11, another payment was made for $98.  dollars ,  and a second request to send a hard copy of the contract.  **************** statement they have a signed contract, and a request of that contract was requested to be sent to *******************************,  Suspected of fraudulence signature.  No verification has been mailed by postal service as of July 7, 2023

   

  
  Sincerely,
  
  ***************************

  

  Business response

  07/13/2023

  All In Credit Union has provided information on this. We have not changed our position. If you seek a resolution, please contact our eLending Department and speak to a representative at ****************************.

  Thank you. 

   

• Initial Complaint

  04/17/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have given them 3 months to provide me with the original document from a auto loan they werent able to provide it, so I requested it to be removed off my credit report and it still havent.

  

  Business response

  05/03/2023

  After completing research, we found loan documents from December 2016 for a 2012 Chevrolet Cruze, a loan which was originally made by Wiregrass Federal Credit Union. Wiregrass and All In Credit Union merged ** 2019, so this is why the loan is now with All In Credit Union. We also found that ****************** submitted credit disputes with the statement that Wiregrass Federal Credit Union claimed it would "delete" the loan. Due to the merger and the fact that Wiregrass Federal Credit Union no longer exists, we do not have a way to verify this. We can confirm that it is a debt that ****************** owes. We have mailed the loan documents to ****************** at the address that was provided with this complaint. If she has further questions, she should contact All In Credit Union directly at ************. 

• Initial Complaint

  01/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I refinanced my car loan through ******* and got Allin Credit Union. They didnt pay off my current creditor with capitalOne. Plus, All In Credit Union sent me a paper bill in the mail showing no payment due for ******* but online it says I have to make a payment. They also signed me for for a savings account I never asked for and is charging a statement fee. I also made a payment to my original creditor to *********** one December 30th for $693.96, and its not reflected on the new loan. Now both creditors are trying to charge me for the same loan this month, which is fraud. I shouldnt have to pay to both creditors for the same loan until the original creditor is paid off. Then the amount Ive been paying them should be credited to the account. I dont want to be scammed nor can I afford to pay both creditors all because the original creditor wasnt paid off. Plus, I dont like that All In Credit Union is saying I dont have to pay for ******* in a paper statement then saying the opposite online. That is fraud too because I can use for that. I also want them to close the savings account because I dont need to pay for paper statements for an account I wont use. I can get electric statements which are free. All In should be making sure the original creditor is paid off before charging me double. Id rather cancel the car loan since Im already paying *********** still if Im going to be double charged. My loan isnt $35k its $31,635.31 with capitalOne. Technically Im still paying the loan on my car to the original creditor since they werent paid off yet. So paying to both creditors on the same car loan is considered loan fraud. Its fraud to say I dont owe for the month with a paper statement then say I owe for the month online. Just to collect a late fee. Either contact ******* to make sure the original creditor *********** is paid off first or cancel the loan and payoff check. I cant afford to pay both for the same loan.

  

  Business response

  01/11/2023

  An eLending representative has been in contact with **************** for the last two days and I believe we have resolved her issue. The Credit Union also reached out to ******* and they confirmed that ****** should receive funds tomorrow but they will verify to make sure and also reach out to **************** to let her know.

  Thank you. 

  
  

• Initial Complaint

  12/28/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I requested a dispute over the phone about several late payments showing on my credit report from 2 accounts I have with all in credit union. The disputes were put in as fraudulent accounts in error by the representative with the credit bureau. I'm thinking the rep doesn't understand my English language too well which is understand since majority of the calls with the credit bureau are outsourced to other countries. All in has since retaliated against me by placing hold on my account even though I personally added several layers of security on my account. Passcodes ,etc. I'm a senior citizen that's currently on a breathing machine. The money they're currently holding on my account is to pay my utilities that are soon to be shut off. I'm currently on disability. If my utilities are shut off I can't use my breathing machine which can eventually be the cause of my death. I currently have no means of transportation. I have a nurse that comes to my home. This is causing me mental and financial stress which my body can not take. The temperatures are dropping too low for me to be stuck without running water, or electricity all because all in doesn't care about the health of a senior citizen. I have reached out to 2 news stations to see if this issue can be rectified.

  

  Business response

  12/29/2022

  On December 23, 2022, the Credit Unions **************** received notice from its Loan ********************* that they had received letters from TransUnion asking the Credit Union to investigate credit inquiries for **************************  Upon investigation, the **************** saw where **** App and ***** transactions were coming from *************************** account to *************************************, whom we believe is *************************** daughter. The **************** reviewed security footage to see who had been withdrawing funds from *************************** account at the *** (interactive teller machine). The security footage showed a male driver and a female passenger withdrawing cash from *************************** account. There were two different vehicles and both vehicles are registered to ************************************ a.k.a. *************************************, which we believe is *************************** daughter. At this time, since the Credit Union knows that someone other than ************************* is conducting transactions on her account, the Credit Union freezes the account to ensure that no one can take money from *************************. The Credit Union does this to protect *************************** account. At this point, the Credit Union is not certain who is calling in about *************************** account. It might be the daughter, since she has all of *************************** personal identifiable information (PII), or it might be ************************* herself.We have asked that ************************* come to a branch so that her identity can be verified. Freezing the account and requiring in person verification is normal policy and procedure for these types of situations. ************************* is still able to receive her deposits just as she always has. But nothing can go out of the account with authorization from the real ************************** 

  Customer response

  12/29/2022

   
  Complaint: 18644746
  
  I am rejecting this response because:
  While I do understand the credit union protecting my best interest at hand. Any time my daughter has been to the branch it's because I have sent her there. I currently have copd which h causes me to be out of breath alot. I get tired very quickly.  So I have her to do as much as she can for me. I am aware of every single transaction from zelle and cash ****. Down to every single amount.  Thanks again  for making sure that I am aware . 
  Sincerely,
  
  *************************

• Initial Complaint

  11/10/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  See attached.Deceptive sales approach and financing.

  

  Business response

  11/15/2022

  There is no attachment to this complaint as referenced. But from what we can tell from past conversations with ****************, he is upset about work completed on his home. This is a loan that All In Credit Union funded for **************** where he contracted ****************** to complete some home improvements for him. All In has had several conversations with **************** - July 22, 2022, September 27, 2022, and August 29, 2022 about the work on his home and the amount of his loan. All In has explained several times to **************** that it only handles the financing. All In does not do any work on the home and we do not control the cost of the work on the home.  All In can try to put in a ticket with ****************** on behalf of **************** and keep him updated. 

• Initial Complaint

  07/20/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  1. Problems reaching someone on the phone at the branch and not getting a return phone call after leaving a VM. 2. Problems with getting timely account actions requested 3. Problems getting through the authentication process ; asked for all my personal info and then told that they don't show me in their system.

  

  Business response

  08/04/2022

  This is the first time that I've seen this complaint. We will be responding sometime today, after I've had a chance to review it. Thank you.

• Initial Complaint

  03/02/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On 03/02/2022 I went to withdraw $300 from my savings account i was handed two separate envelopes which was ok but when I counted counted my money at the window I counted 290 I counted again to be sure after I still noticed my amount was incorrect I told the teller I was about to come inside he asked what wrong I proceeded to say My amount was incorrect and I'm coming inside I went straight inside stood to the side and recounted to money to be sure that I wasn't wrong I proceeded to the teller to let them know **** as well as a witness counted 290 I checked my car and envelope to be sure before I left the bank but yet I was told there was nothing he could do

  

  Business response

  04/07/2022

  Business Response /* (1000, 7, 2022/03/18) */ When the memember came into the branch stating she had not received all her funds, immediately branch protocol was followed and both the teller that handled the transaction as well as the cash machine used were audited and both found to be in balance. This was explained to the member. She was originally given two envelopes with her withdrawal but when she reentered the building she only brought in one of the envelopes. The assistant branch manager recommended the member search her vehicle and the second envelope for the $10 she stated she did not receive. Again, explaining to the member that the teller was in balance and his cash count journal detailed the entire amount she requested was dispensed to her.

• Initial Complaint

  08/28/2021

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Pursuant to 15 USC 1692c.(c) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c.(c)(2)- I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following: Zero out the balance on this account. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports. An Affidavit unrebutted stands as Truth. Affidavit uncontested unrebutted unanswered (United States v. Kis, 658 F.2d 526, 536 (7th Cir. 1981); Cert. Denied, 50 U.S. L. W. 2169; S. Ct. March 22, 1982 1982) "Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit." (Group v Finletter, 108 F. Supp. 327 Federal case of Group v Finletter, 108 F. Supp 327) An affidavit uncontested unrebutted unanswered, Morris v National Cash

  

  Business response

  09/07/2021

  Business Response /* (1000, 5, 2021/08/31) */ August 31, 2021 We received your complaint invoking your rights per U.S.C. § 1692(c). All In Credit Union is not a "debt collector" pursuant to the FDCPA. 15 U.S.C. § 1692a(6) defines debt collector, in part, as: "any person 1 who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or 2 who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another." Since All In Credit Union's principal business purpose is the origination and servicing of auto loans, it does not qualify as a debt collector. Also, All In does not collect debts owed or due to another entity, as the only debts it attempts to collect are debts it owns. Therefore, U.S.C. § 1692(c) does not apply to your auto loan with All In. On January 29, 2021, you applied for an automobile loan with All In Credit Union. You stated on the loan application that you were the Manager for Premium Automotive. This is the same dealership that is owned by your brother, Ryan Pickett. All In funded a loan for you in the amount of $18,299.25 and had a check issued to Premium Automotive for the purchase. Although a lien perfection guarantee was signed, Premium Automotive never perfected the title with All In as lienholder. You signed the Closed-End Note, Disclosure, Loan and Security Agreement. By executing this contract with All In Credit Union, you agreed to the terms set forth in the contract. You have a contractual obligation to make your loan payments as provided in the agreement. If not, All In Credit Union has the right to "declare this loan immediately due and payable, and you must immediately pay to us at that time the total unpaid balance, as well as the finance charge to date, any late charges and costs of collection permitted under law, including reasonable attorney's fees." Please contact All In Credit Union at 334-598-4411, extension 3400 immediately to make payment arrangements. Consumer Response /* (3000, 7, 2021/09/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have attached proof in this complaint that ALL In Credit Union is a debt collector. They have mailed me (****************) numerous letters stating that this is an attempt to collect a debt. All In Credit does have to abide by the laws of the FDCPA. All In Credit Union also violated 15 U.S. CODE 1635(a) by never providing me my right of rescission. I **************** have certified mailed ALL In Credit Union an Affidavit Of Truth. An unrebutted affidavit stands as truth in commerce. All In Credit Union claim they are not considered a debt collector under the FDCPA and therefore are not subject to the FDCPA. This is totally false information and another violation. It clearly states in 15 U.S. Code 1692a(6) the definition of a debt collector. The following paragraph is directly from 15 U.S. Code 1692a(6) (6)The term "debt collector" means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f(6) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT NOTHING ABOUT A THIRD PARTY Ive also attached a copy of the 15 U.S. CODE 1692a Business Response /* (4000, 11, 2021/09/02) */ All In Credit Union stands by its initial response.

• Initial Complaint

  08/12/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a solar panel loan through them, but there is a lien put on my house so therefore I cannot get the house refinance because of the lien, and now I try to sell the house I cannot sell the house because there's a lien on the house, they say I have to pay off $40,000 before I can sell my house which I don't have that money. I want to sell the house and get that money and pay them they say no pay them first then I can sell the house does that make any sense to anybody.

  

  Business response

  09/01/2021

  Business Response /* (1000, 5, 2021/08/13) */ All In Credit Union files UCC's for all solar loans. When members refinance their home, the Credit Union offers the option of paying off the loan with refinance proceeds or completing a Subordination Agreement. When members sell their home, they have the option to pay off the solar loan prior to, or at mortgage closing, or the buyer can apply to have the solar loan transferred into their name. Refinancing and selling the home are addressed in the loan agreement. For selling the home, the language is clear. It specifically states that the lender will be paid off prior to or at closing. It also states that at the lender's discretion, a transfer may be allowed if the new buyer qualifies for the loan. For refinancing, the lender's security interest supersedes all other liens. The Credit Union typically subordinates its lien and allows the mortgage lien to be superior. Although most mortgage companies accept a subordination, there are some mortgage companies that will not. Also, if the member is getting a HELOC, the mortgage company requires a temporary lien release. Temporary releases are last resort efforts and only approved in one-off situations. There are fees associated with subordinations, temporary releases, and transfers. There are no fees associated with processing a payoff unless the account has accrued a late fee. The Credit Union does not have a record of receiving a request for a subordination or transfer from Mr. D***. We ask that he contact the Credit Union directly at 334-598-4411, x 1155 or 1150 for help with this matter.

*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. ↩