ComplaintsforUNIFY Financial Credit Union

• Initial Complaint

  07/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 6/1/24, Unify advertised a bonus of $250 bonus for new members. The first $150 to be received for opening a checking account. An additional $50 to be received after a direct deposit of $500/mo. The final $50 could be received if 50 debit card transactions of at least $5 were made (screenshot of original offer with date stamp is attached). On 6/1/24, I opened a new Free Checking account with an initial deposit of $25. On 6/12/24, my employer made a direct deposit of $500. By 6/25/24, I had made more than 50 debit card transactions over the $5 minimum threshold. Between 6/1/24 and 6/13/24, Unify reduced the bonus offer by $100 so that the revised offer is now $150, not $250: The 1st $50 to be received just for opening an account. 2nd $50 to be received after the direct deposit. Final $50 received after 50 debit card transactions (screenshot of the revised offer is attached). On 7/1/24, 2 separate bonuses of $50 each were credited to my checking account. I first contacted member services online on 7/1/24. I was told that my account was ************************ only $50 for opening the account (not $150) plus $50 for my direct deposit and that I could earn an additional $50 with 50 debit card transactions of $5 or more within 60 days of opening. On 7/3/24, I called member services via phone. The first member service rep acknowledged that the bonus showed $150 at the time I opened the account and it is now showing $50. She told me that 1 of the $50 bonuses that I had already received on 7/1/24 was the direct deposit and the other $50 was for debit card transactions. She said I would not receive a bonus for opening the account because I was out the credit union's "footprint." There is no mention of a "footprint" nor any restrictions concerning qualifying for the account opening bonus tied to location. The 3rd service member rep only repeated what the online rep said.

  Business response

  07/19/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for *************************. We take each complaint seriously and strive to resolve issues to our members satisfaction.****************** contacted UNIFY on 7/3/24 regarding promotional credits. His issue was escalated on 7/3/24 and his request was honored on 7/10/24. UNIFY attempted to contact him on 7/10/24 to notify him of resolution. We apologize for any inconvenience this may have caused. At this time, we consider the matter closed. 

• Initial Complaint

  05/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received concerning notifications from Amazon about deliveries linked to an account I didn't create. Upon resetting the password, I found a debit card in my name, fraudulently opened. Despite my efforts, UNIFY Financial Credit Union, the card issuer, hasn't helped resolve this issue, leaving me vulnerable to identity theft.

  Business response

  05/24/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for **************************************. We take each complaint seriously and strive to resolve issues to our memberssatisfaction. UNIFY conducted research and was unable to locate any account records or cards in Ms. *****Vanriels name. UNIFY reached out to her to discuss but was unable to reach her. A voicemail was left for her to contact us directly to discuss further. At this time, we consider the matter closed.

• Initial Complaint

  05/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a savings and checking account with **********************. the bank has blocked my access to both my accounts on-line and through there mobile APP. I filed a bankruptcy and that is the reason i was told i can't access my account. that makes no sense.

  Business response

  05/24/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case # ******** for *****************************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY apologizes if ********************** was informed the reason for her online banking restrictions were due to a bankruptcy. We would like to clarify, that ***************** has access to view her account online, however, transactions online may be restricted due to causing a financial loss to UNIFY and that is why Ms.Dicksons online banking has restrictions at this time. As outlined in our Membership Booklet, UNIFY has the right to suspend services and/or accounts for defaulting on or having a delinquent loan, or for causing a financial loss to the Credit Union. At this time, ****************** may continue to conduct business on her savings and checking accounts by calling our ************** at ************ or by visiting a local branch. We apologize to ****************** for any inconvenience. At this time, we consider the matter closed. If you have any further questions regarding this matter, you may contact UNIFY at 1.************ and request to speak with our *******************

  Customer response

  06/04/2024

   
  Complaint: 21426847
  
  I am rejecting this response because: the business didn't take a loss. that is why they have insurance. I have been with this credit union over ***** years. i was never given a booklet stating the response that was provided.
  
  Sincerely,
  
  *****************************

  Business response

  06/18/2024

  UNIFY Financial Credit Union (UNIFY) appreciates the opportunity to respond to Ms. ******** rebuttal. UNIFY sustained a financial loss due to Ms. ******** loans being discharged in chapter 7 bankruptcy. Credit unions are not-for-profit organizations and losses directly affect the entire membership. The National Credit Union Administration (****)Share ************** only protects our members shares on deposit if UNIFY were to become insolvent.The **** Share ************** is for the protection of the member, not the Credit Union. The ****s Share ************** protects membersaccounts in federally insured credit unions in the unlikely event of a credit union failure, and covers the balance of each members account,dollar-for-dollar up to the insurance limit. More information can be found by visiting the **** website, ***************************************************.
  
  As for the Membership Booklet that was referred to in UNIFYs first response, every member is given a copy at the time of account opening and it is available to view any time on our website. It may be found by following this link: ********************************************************************************************* ****************** would like to further address the matter, she may reach out to the ****************** at ************. At this time, we consider the matter closed. 

• Initial Complaint

  04/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Unify doesn't let me close my account although there is no activity on the account for many2 years. I cannot withdraw the $ 5 account balance on the account since it was deposited by the federal credit union when I open the account. I don't want the $ 5 deposit at all.All I want is to close the account and not being charge $ 5 per month for account inactivity.I'm asking BBB for help with closing this account.Thank you.

  Business response

  05/03/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding complaint number ******** for ***************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY conducted research and was able to fulfill the request to close the account. *************** has been contacted and all needs have been satisfied. At this time, we consider the matter closed. 

• Initial Complaint

  04/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to urgently request assistance with accessing my late father's accounts at **********************. As the designated power of attorney for my incapacitated mother, I submitted the required DPOA documentation on March 27, 2024, and received confirmation of its receipt on March 29, 2024. Despite assurances of a 1-2 business day processing time, I have yet to gain access or receive any update.Repeated inquiries on April 2 and April 12, 2024, have resulted in promises of contact within 1-2 business days, yet no follow-up has occurred. Efforts to escalate the matter were met with a disconnection under the guise of audio issues.The lack of communication and access has placed my mother's financial well-being at risk, with overdue bills and inaccessible social security income as immediate consequences. Given the absence of progress through provided channels, I am left to consider legal recourse.I implore Unify Financial Credit Union to immediately contact me with an update on my father's account access. Your prompt resolution of this matter is crucial.

  Business response

  04/24/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for *************************. We take each complaint seriously and strive to resolve issues to our members satisfaction.UNIFY has confirmed with ****************** that a proper resolution has been met to his satisfaction. At this time, we consider the matter closed.

• Initial Complaint

  04/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I opened an account with them several years ago when there was no minimum balance required. Their policy changed at some point, unbeknownst to me. I contacted them to close my account and was told the money I had was depleted by service fees and the account was closed when the balance was zero, again, without my knowledge the entire time. I was told a manager would contact me within 48 hours, but that was over a week ago. Shameful!

  Business response

  04/24/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for *************************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY conducted research and reached out to ***************** on 04/23/2024 to confirm resolution. A check was mailed to the member on 04/24/2024. We apologize to ****************** for any inconvenience. At this time, we consider the matter closed. 

• Initial Complaint

  04/16/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this **** with UNIFY FCU FKA WESTRN FCU I do not have contact with UNIFY FCU FKA WESTRN FCU they didnt provide me with the original contract as requested

  Business response

  04/24/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for *****************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY conducted research and our records show that *********** applied for a personal loan on 3/18/2024. When applying for a loan, it is disclosed and agreed upon that credit will be pulled to proceed with the application. ************ agreed to this disclosure. On 3/19/2024, ************ called our ************** to follow up regarding the status of the loan application.The loan was denied, and an Adverse Action notice was mailed on 3/21/2024 with the reasons for UNIFYs decision. No loan was created for ************; therefore ************ is not indebted to UNIFY.
  
  UNIFY Financial Credit Union is obligated to report accurate and complete information. As such, we have reviewed all relevant information provided and completed our investigation into this matter. Based on our investigation, UNIFYs pulling ************** credit was done properly and accurately, as required under the Fair Credit Reporting Act.
  
  At this time, we consider the matter closed.

• Initial Complaint

  03/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Your Company : UNIFY FIN CU is furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.UNIFY FIN CU *********** Balance Owed: $425

  Business response

  04/01/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case # ******** for *************************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY has conducted extensive research for ****************** on multiple occasions. In compliance with the Fair Credit Reporting Act, all information being reported to the credit bureaus is complete and accurate. On 02/26/2024 UNIFY mailed ****************** a copy of the signed loan agreement and statements proving the validity of the account being reported. ****************** may contact us with any further questions or concerns.At this time, we consider this matter closed. 

• Initial Complaint

  03/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I paid off a car loan in January 2024. I requested my account be closed and a check issued for those funds be sent to me. I was told the check was mailed on January 12, 2024. I did not receive said check. I called the company to request another check be issued. I was sent an indemnity form which I filled out and sent back. I was then told it could take up to 90 days for another check to be issued. This is totally unacceptable

  Business response

  03/19/2024

  On January 10, 2024, ********************* requested her account be closed and authorized UNIFY Financial Credit Union (UNIFY) to mail an Official Check to her address on file for the remaining funds. UNIFY completed her request on January 12, 2024. ******************** stated she did not receive the check and notified UNIFY on February 5, 2024. UNIFY received an Indemnity Agreement from ******************** on February 9, 2024, and a new Official Check was issued on February 12, 2024. We have been in contact with ******************** and the issue has been resolved to her satisfaction.  At this time, we consider the matter closed.

  Customer response

  03/26/2024

   
  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

  03/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am a unify customer and turned in my ********************** card points balance for Cash. However, the cash was deposited into my savings account and then promptly removed. I called unify and the agent stated that it was taken because of a payment needed. She then said she would need to transfer me but never did and left the call on hold never to return. Unify never contacted me about any payment needed and essentially accessed my account to pay an ********************** balance. This isn't ethical to do this to customers who trust you. You cannot have an account in "collections" and also take money from a customer when you have already penalized me by sending the account to some collections agency. Any payments to whatever is believed to be due should be authorized by me and not through sneaky practices. I want the funds returned or to see in your terms and conditions where this is acceptable and agreed to.The alternative is I will file a small claims case against the company for the loss. If you cannot explain to me how you all have the right to access a separate account for an ********************** "balance" then perhaps a third party can review your terms to make a decision.

  Business response

  03/15/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for ***********************************. We take each complaint seriously and strive to resolve issues to our members satisfaction.
  
  UNIFY may exercise the right to withdraw funds to cover owed balances. UNIFYs Membership Booklet Agreement and Disclosure which is given to all members at the time of account opening states the following: To reduce the possibility of loss, unless otherwise prohibited by law, you pledge to ***** to the Credit Union a lien on all shares and agree that all collateral pledged to secure a loan obligation owed to us will also secure payment of your other obligations. This pledge will secure all obligations owed at the time of the pledge, as well as those that arise thereafter. This cross-collateralization of your obligations applies to all debts, including but not limited to each closed-end obligation, each advance under any open-end loan plan, negative shares, and all obligations under any credit card agreement with us. Notwithstanding the above, unless a contrary intent is evidenced in a separate writing, obligations secured by your principal residence are not included in the cross-collateralization of your obligations to us.
  
  UNIFY has the right to sweep funds from any account up to the loss amount to bring the account out of a negative standing in addition to pursuing collection action. Although the account in question has been placed with an outside agency, it does not negate the responsibility to pay the outstanding balance. Prior to being sent to another agency, UNIFY and the third-party agency have attempted to contact *************************.
  
  UNIFYs  Membership Booklet may be found by visiting our website at www.unifyfcu.com or ************************** may request an additional copy by contacting the ****************** at ************.
  At this time, we consider the matter closed. 

  Customer response

  03/27/2024

   
  Complaint: 21292662
  
  I am rejecting this response because:
  I dont owe you anything. What are you all even talking about? Im filing a complaint with NCUA to investigate. This is unacceptable. *** tried to resolve directly and even sent an email to your executives and c level executives with no reply.  
  
  Sincerely,
  
  ***********************************

  Business response

  05/03/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding complaint number ******** for ***********************************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY conducted research and our records show that the withdrawals by UNIFY from the account referenced above correspond to an outstanding delinquent debt or negative share that *********************************** owes to UNIFY after failing to make required payments. Pursuant to 12 CFR 701.39(d), UNIFY reserves the right to enforce its statutory lien by debiting funds from the members account(s) to cover any outstanding financial obligations. As outlined in our Membership Booklet, UNIFY is authorized to transfer funds from any account, where the member is a primary or joint owner,to offset any negative balance in another account owned by the same member. A letter, providing additional information related to this complaint has been mailed to ************************** and she may contact us with any further questions or concerns. At this time, we consider this matter closed. 

*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. ↩