ComplaintsforSAFE Credit Union

• Initial Complaint

  08/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On November 22 I changed all my information online through the SAFE credit union portal to reflect my move. I called your bank to have my account closed and my ex-husband removed and your bank said that he was removed but yet all his cards and everything else were still active now EDD has taken money out. My phone number has been changed again on your online portal back to a number that I have not had since the beginning of March and I even updated it March 10 with the new number that I have which is the one that is on this complaint and somehow now its back to my old number I cant access the email that its to even though I change the email to the current one on this complaint as well back in the beginning of March. I removed his access from the account with you guys or so I thought your company had handled it as they stated that they clearly did not because now I have no access to the account whatsoever as all the information has been changed again, and the account was never closed. Please do something to rectify this situation also in regards to the personal loan that was taken that was taken with my ex-husband and the court has not assigned the debt to him as he was the reason for the loan now I understand that my name was on it, but his is as well, but Im the only one whos been liable for anything

  Business response

  08/22/2024

  See attached signed response. 

• Initial Complaint

  04/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Safe Credit Union provided written notice that our car insurance deductible at $2,000 was out of our loan agreement contract; we were notified that we needed to adjust the collision deductible to $1,000. We contacted Safe Credit Union to try to understand whether we could re-negotiate the terms of the loan to be a $2,000 deductible. Insurance rates (especially in **********) are getting incredibly expensive and we'd prefer to have a $2,000 deductible to offset the monthly expense. We are fully capable of paying a $2,000 deductible should a collision occur.After three attempts to speak with Safe over the phone, no beneficial information was gained:- We were notified that we are being charged a $75 fee assessed to our loan for supplemental car insurance coverage. This fee is charged to our loan, therefore we are being charged interest on it. Resolution request: have this fee and all relevant interest refunded.- We asked for a copy of the supplemental car insurance - if it's cheaper than what we pay through our carrier, we'll gladly keep it. We were given a phone number, called it, and it connected back to Safe's main customer service (not the insurance).- We asked to speak to the loan department to determine if we could renegotiate our loan, after 40 minutes on hold, we were sent back to the main prompts at the beginning and never connected with someone in the loan department.We'd like to speak with someone from Safe who is knowledgeable on our options, we want a full refund of this added expense.

  Business response

  04/11/2024

  See attached signed response. 

  Customer response

  04/12/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
  
  

• Initial Complaint

  03/19/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  safe CU wont deposit my uncashed cashier check (in my name )back into my account. they are telling me outrageous lies conflicting from branch to branch. on the advice of unclaimed property employee to talk to a manager and get a written explanation, i showed the check to a manager who refused to give her check back until he was forced by cops. After long waiting One branch told me that the check was deposited to MI bank which responded with excellent evidence that it was not deposited in their bank. the other SCU branch said that the check was relinquished to the state . ***** should be able to find out about members' activities from their data without calling around for long time I asked 4 SCU employees who could not give me any credible info about my check without lengthy calling around to their branches If needed I will provide attachments of documents including a photo of her uncashed or unendorsed check in her possession

  Business response

  03/25/2024

  See attached signed response.

  Customer response

  03/26/2024

  I am rejecting this response 
  

  Business response

  03/27/2024

  See attached signed response with evidence of the cashier's check negotiated at Lake ******** Credit Union. By completing a ****** search of the highlighted routing number, you can see that is where the check was negotiated. Please consider this our final response as we provided our good faith research/evidence support for the complainant.  

  Customer response

  03/27/2024

  I am rejecting this response because:
  

• Initial Complaint

  03/02/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Safe Credit Union. They have not provided me with the original contract as requested. in accordance with the **** this creditor has violated my rights under 604 15 USC 1681B , 15 USC 1692G, 15 USC 1666B.

  Business response

  03/05/2024

  See attached signed response. 

  Customer response

  03/05/2024

  I am rejecting this response because: *********** has already written off the debt. So, they aren't supposed to be reporting it as a negative item to the three credit bureaus.  This is FRAUD reportable to the **** I have never received a 1099c form. This is a violation FCRA 15 USC 1681 eb.
  

  Business response

  03/15/2024

  See attached signed response. Please consider this our final response and if there are any additional questions to call the number in the response. 

  Customer response

  03/18/2024

  I am rejecting this response because: I am requesting more investigation into my complaint to Safe Credit Union.  My rejection of their responds.  The creditor has already Charged off this debt in which my law I am not taxed on this debt.  They cannot charge it off and still collect from me.  They have already taken a loss were compensated . Legally they must delete this from my credit file as they are in FCRA violation. 
  
  
  Kimbular **********************
  

• Initial Complaint

  12/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have fallen prey to identity theft and have observed unapproved transactions and dubious activities associated with my identity. I have already reported this to the police, but I require further help to address this problem. My aim is to recuperate any financial losses, restore my reputation, and I seek your assistance in deleting this inquiry from my credit report. Your support in resolving this issue would be greatly appreciated. SAFE CU 02/17/2022

  Business response

  12/29/2023

  See attached signed response.

• Initial Complaint

  09/27/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  From July 2023-September 2023 I experienced sudden and severe health issues and was in the hospital as well as in and out of the ** and ************ During that time, my account fell negative twice. The first time, I was able to pay it off. The second time, Safe Credit Union proceeded to charge me $30 every time a transaction came through and bounced back. There were several fees that were understandable, the courtesy pay fees, and I'm fine with paying for those. However, once they finally shut my card off, they were still charging me for every automatic transaction that came through, despite them not even having to cover the amount as they all bounced back. These fees accumulated to over $400, making my account negative $540. I spoke to two different bankers and they returned four of these $30 fees to me but refuse to return more. I should not have to pay my bank half a thousand dollars because I was in the hospital and unaware my account was negative. I am now trying to pay bills that I have been unable to pay throughout this period, but am still unable to due to Safe CU's predatory fee practices.

  Business response

  10/10/2023

  See attached signed response.

• Initial Complaint

  07/31/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I would like to file a complaint in regards to the bank Safe Credit Union for helping their customers commit fraud, and steal money from online merchants. The bank forced Stripe.com to withdraw over 500 USD from my bank account, resulting in me, a small online seller to suffer the consequences because of their inability to review information. I expect the stolen money is return, and that the user who committed the fraudulent chargeback is unable to do it again.Information Date of Chargeback completion, July 28 2023 Customers information:Last 4 digits of card number **** Card expiration date 07/2026 Name entered while making the purchase: sdlogfoug Customer zipcode ***** Customer email entered ******************** Amount stolen 520$Payment ID *************************** tracking_id J82j8i5nAoOJ5BIxDuRgxS2hyuulodZPqUwA42Da uaid *********** userid ********** A screenshot that shows that the item was delivered, in addition to the purchase log will be listed below.

  Business response

  08/04/2023

  See attached signed response.

  Customer response

  08/04/2023

  I am rejecting this response because: you must refund the stolen money immediately. Thank you. This is on you, not me. I provided proof and you ignored it. 
  

• Initial Complaint

  07/29/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  To whom it may concern, I had opened a savings account with this ********************************************* about 6 years ago and they required I put $5 of my own money into the account to keep it open. Fews years later my savings account that they forced me to open and ran my credit was closed down and my $5 as well GONE. I attempted to ask where my funds went and the teller at the ******, ** location was completely rude and unhelpful almost as if I am bothering her for asking about my missing money. Either way I will never bank with this institution in my life again if they think they will force me to open another account with a ********************** check they are not going to scam me again. As soon as my payments are done I will close my credit card and be done with this scam insitituion who can't 1. train their employees to be helpful and respectful and 2. STEAL $5 FROM THEIR CUSTOMERS. Cant wait to see someone *** the c*** out of them for the scam ways they run their business. They clearly do not have ethics at all and I am not sure how the **** or Government hasn't shut them down yet I will be reporting them to the *********** as well.

  Business response

  08/11/2023

  See attached signed response.

• Initial Complaint

  07/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was pre-approved with a new auto loan through Safe Credit Union on 06/01/2023. I bought my car with ***************** in *******. I had no issues with driving off the lot with the car until Friday, July 7th, 2023 after 2pm. I work everyday except on Saturdays and I was with my client at the time I received a text message from a finance director at ************** named ******, stating to please call my credit union because they are returning the deal of my car that same day, Friday July 7th, 2023 and that they needed more proof that my ******** **** was paid off in full. I was never informed that the credit union needed more information about the ******** pay off. I was not aware that I had a loan officer by the name of ***** and she was communicating only with the dealership in regard to this and not myself who is the consumer and was pre-approved through the credit union. I have yet to receive any information or accountability as to why this was handled late and when the auto loan expired after having my new car off the lot and in my possession. They also ran my credit twice after I was specifically told it was not going to be ran again and if they needed to run my credit, they would inform me or as before doing so. Since they had to resubmit paperwork, I was alerted through email that my credit was ran. I have screenshots showing up as Safe Credit Union as the lender who ran my credit. This situation has caused me so much unnecessary stress and has become such a burden. It's interrupted time with my clients at work and pain and suffering for me. No-one has accepted any responsibility on the wrong doing of this situation and I have been treated very unfairly. I've worked hard at building my credit to what it is today and for an establishment to treat it as nothing is totally unacceptable. I did my part with everything that was asked from me and now I am asking for accountability and reparations.

  Business response

  07/20/2023

  See attached signed response. 

• Initial Complaint

  06/20/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Hello BBB,This is a story of another dishonest company. This journey began with me attempting to pay off my car. A simple thing, you would assume. However, SAFE Credit Union does not allow you to pay off your car online, forcing me to come into the bank. I went into the bank Friday (****). I tried to use my Debit Card, but SAFEs machine was not working, and it would not go through. The teller told me that they have been having this problem all day. Afterwards, I had no choice but to use my *********** Mastercard. The transaction went through. Today, ****, I noticed a Cash Advance Fee on the Credit Card. I called *********** and they told me when I was paying off my car the bank forces the transaction into cash, so they get their money instantly. However, in doing so I occurred an interest fee from *********** as a Cash Advance Fee. The agent tried to credit me back by talking to the accounting department, but they refused.I have been with this company for decades. I have never once used a credit card for a Cash Advance, not even once. You think that would put up a red flag or something.This is a perfect storm of ineptitude and dishonesty. One company forced me to come into the bank to pay off the car loan, the banks system was not working, forcing me to use my *********** Credit Card, who then in turn charged me $222 fee for a Cash Advance I knew nothing about.Obviously, if I knew at the time that it was going to cost me an additional $222 dollars I would have just come back with a check. If SAFE allowed me to pay off online, I would have saved $222 dollars and if the banks system was working, I would have saved $222 dollars. This complaint is for both companies, so there will be two BBB complaints filed as it appears I cannot add additional companies to the issue.Thank for your Consideration,*****************************, MD, MBA ***I also filed a complaint against *********** but I spelled SAFE as SAFECO, please note correction on that filing.

  Business response

  06/23/2023

  Please see attached signed response. 

  Customer response

  06/23/2023

  I am rejecting this response because:

   

  This is ridiculous. They are blaming the credit card, but the problem prop. The problem originated from the stupid necessity of me, having to go into the bank and pay off the car. Then the banks fault again because their debit card machine wasnt working or sent forced me to use my MasterCard, which resulted in the payment. This is not the fault of ************ This is the fault of SAFE Credit Union because their pathway was stupid, inept incompetent, and absolutely had nothing to do with customer service, but just simply trying to rip off the customer This is not an adequate response and they only $222 and if they dont pay, I will see them in small claims court

  
  

  Business response

  07/05/2023

  See signed response and cash advance receipt. 

  Customer response

  07/05/2023

  I am rejecting this response because:

   

  This cash receipt was a byproduct of two things:

   

  1.  Forcing the customer to come into the bank and payoff car

  2. Your debit machine was not working forcing me to use my credit card.

  This is your fault and you own me 222 dollars.

  *********************,MD, MBA.

  
  

*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. ↩