Complaints

This profile includes complaints for Vantage West Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Vantage West Credit Union has 4 locations, listed below.

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  Vantage West Credit Union

  10440 N 32nd St Phoenix, AZ 85028-3825

  
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  Vantage West Credit Union

  3416 N 24th Ln Phoenix, AZ 85015-5426

  
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  Vantage West Credit Union

  1671 S Cooper Rd Gilbert, AZ 85233-8453

  
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  Vantage West Credit Union

  2008 E Florence Blvd Casa Grande, AZ 85122-5402

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:02/23/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.VANTAGE WEST CREDIT UN + 1027658****As you know it is against the law to report any information not proven accurate.I demand that you provide me with concrete evidence of my obligation to said accounts.(If ***se Matters Have Been properly taken care of please disregard)Please be aware that all negative remarks found on my credit report is a violation of the **** and FDCPA when you can not furnish the validity of the remark.I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my ********************** report. Also According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states "***re is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy." TransUnion and Experian are consumer reporting agencies and I Am the Consumer. Which would certainly have the right to Assert that my private information is not shared which is backed by 15 USC 6801 which states "It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information." is a financial institution by definition under that title. 15 USC 1681 section 604(a) section 2 states that "In general Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other: in accordance with the written instructions of the consumer to whom it relates." *** financial institution and the Consumer reporting agencies Transunion and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 (b)(c) states that "A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise. that nondisclosure option." i was Never informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681C (a)(5) states" Except as authorized under subsection (b), but no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years." This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 (A)(1) A states "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. 15 U.S. Code 1681e states" Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion and Experian are not maintaining reasonable procedures. Also 12 CFR ****** states that " A consumer may exercise the right to opt out at any time." I am opting out of your reporting services.

  

  Business Response

  Date: 02/28/2024

  We appreciate this matter being brought to our attention.
  A comprehensive review of the Member accounts in question has concluded that all credit reporting reflects accurately and in line with all guidance provided by the Fair Credit Reporting Act (FCRA).
  As a condition of Membership with Vantage West Credit Union,all Members agree to disclosure that outlines: We may report information about your loan, share, or deposit accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report as per item 36 of the Vantage West Membership and Account Agreement.
  Copies of records reflecting the history of our Members account are available at their request by calling ************ during the hours of Mon Fri: 8 am 6 pm; Sat: 9 am -1 pm MST.
  Based on the findings of this review and the explanation provided,no revisions or deletions to the credit reporting in question are warranted.
  Thank you for this opportunity to provide clarity regarding this concern.  

• Initial Complaint

  Date:08/16/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On August 5th my wife and I had an appointment scheduled with a family member to get a guaranteed loan set up for the amount of $12,500. Went through the loan application process, was approved, and officially signed for the loan later that day. I went in to retrieve a cashiers check for the loan amount and finish the account set up on August 7th, and after verification they issued me a cashiers check for the full loan amount. I then cashed the loan amount in my ***** Fargo account to then pay the balance on an auto loan; however, after the check was already cashed VantageWest called me stating the loan amount was never officially approved with their loan officer and that the check had to be returned. I explained that the check had already been cashed and was currently pending in my ***** Fargo account and thus couldnt be returned. They said they would see what they could do. I called back the next day and left a voicemail but did not receive a phone call back. After calling back again I was told the person I spoke to was not in and that they would call me back when they returned. After extensively trying to get confirmation that the check does need to be returned I finally today 8/14 get told that yes, they need the check back. So, go back to ***** Fargo and get another cashiers check for $12,500 (plus paying $10 for the check) and return it to VantageWest only to be told they will need to verify the check and May place it on a 7-day hold. My auto loan bill is due for $301.23 on 8/18. I shouldve been able to pay off the entire balance and start paying off this new loan but instead VantageWest has now cost me interest on my original auto loan, time, and money going back and forth between banks because of a mistake they made. I was told this whole process would be simple but its been anything but!

  

  Business Response

  Date: 08/22/2023

  We have thoroughly investigated this matter and wish to convey our most sincere apologies for this experience. It was determined to have occurred as the result of some unfortunate timing as well as a gap in communication while the loan was in review.
  We have reached out to our Member to ensure the loan was processed as requested and offered our genuine apologies to him directly. The Member has indicated to us that all has been rectified and that he was ultimately able to withdraw the amount needed to pay off his auto loan with the other institution.
  We have taken the opportunity to address the needed processes to prevent the issue going forward. We are grateful to our Member for his understanding and patience and for making us aware of the need for improvement.  

• Initial Complaint

  Date:07/06/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Vantage West credit Union enrolled me into a payment protection program that I was not aware of enrolling. Last month I called to have Line Increase application and rep said I can get rate decreased also. I agrred to both; however, when the rep sent me signature, it was apparently for the payment protection which was misleading because during our call the payment protection was never brought up by the rep. I only noticed because a fee was charged on 6/30/23, and I called customer service only for them to say that I signed the contract for it. Again, I thought I was signing the line increase rate decrease with rep on phone with me. It was deceitful and misleading sales practice to say you are sending one document but a dofferent one was sent. Now they are asking me to cancel by needing to bring them a physical signature to cancel but was able to add it by phone. This is wrong to have customer go through all these hoops to get something cancelled, that was so easy to enroll. This may also be happening to others but not fair. Omitting information is also just as deceitful as misleading others to expect you are signing for one thing but in reality you are signing something else. Now my trust is broken with this company.

  

  Business Response

  Date: 07/12/2023

  We appreciate this concern being brought to our attention.Transparency is of the utmost importance to Vantage West Credit Union in offering our Members any banking products or services.
  We have investigated the matter fully and have concluded that our Member was provided with written communication of the Debt Guard product by means of a product sheet with pricing information as well as an electronic brochure by the Loan Processor. The Member then signed and returned the contract to enroll in the Debt Guard product, which led to the fee that was assessed.
  Nevertheless, we have contacted our Member directly on 7/7/23 to apologize for the misunderstanding, unenroll him from Debt Guard and have refunded the fee in question as a gesture of goodwill. 
  We will be using this feedback as an opportunity to revisit our internal practices and expectations for product communication going forward.
  Thank you for providing us with the opportunity to resolve this complaint from our Member.