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Complaint Details
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Initial Complaint
07/02/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I attempted to open an account with ******************** Tech and furnished all of my information. I received a notification that after several days the business would provide a yes/no answer as to whether they would open the account. 2 days later I received a notification and link to an external portal with a message stating they needed me to email them a photograph of my government ID and social security number within 10 days, though they never provided an email address. The next day I received a request stating my application was denied despite being within the 10 day time period and without the provision of an email address to provide correspondence to. When I went in person to the closest local bank branch, they told me they could not work on this issue because it was an online application. When I called in, I could not get through to a CSR as I was not an active customer.Business response
07/10/2024
Dear *********,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your membership with First Tech. We are very sorry to hear about your current situation.We take your complaint very seriously, please know that it has been reviewed by the appropriate leadership teams and you will receive a response in writing. First Tech does everything possible to ensure that our products and services are in compliance with all applicable laws and regulations.
If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Initial Complaint
06/18/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
FIRST TECHNOLOGY FEDERAL CREDIT UNION IS A DISHONEST ORGANIZATION. I request your assistance please. They have been reporting deliberate payment history errors on my credit report for 5 YEARS and they refuse to correct ny information after REPEATED diputes with the 3 credit bureaus. First Tech received timely payments. PLEASE CORRECT MY PAYMENT RECORDS TIMELY FIRST TECH!!!!! FIRST TECH FCU is falsely reporting information to the credit bureaus in an effort of retailiation for complaints about their fasle reporting of my payment history. Just 18 days ago First Tech FCU reported my auto loan balance as $1979. I have since then made a $350 payment so my balance should be approx $1629 as of Junec17th. Today First Tech has reported to Equifax that my balance has increased to $2663, thus dropping my credit score by 25 points. How can a financial institution make such mistakes when they have a duty to report correct information? Why does First Tech make deliberate payment errors on my credit report when I have made timely payments for over 6 years? How many other customers are going through this? When was the last time First Tech was audited? Please investigate and have First Tech FCU report my CORRECT CURRENT BALANCE as of June 17th and correctly report to the 3 credit bureaus that my balance has in fact DECREASED from May 31st to Jun17th, not increased. First Tech receives timely payments but they are dishonstly reporting errors on my credit report in an attempt to ruin my credit relationships for the last 5 years causing me financial hardship. Please investigate and assist. I have submitted bank statement proof of timely payments from August 2019 through January 2023 to all 3 ceedit bureaus with a request to correct my payment history and remove the 11 missed payments. The credit bureau Equifax and Experian have responded that FIRST TECH has CERTIFIED that my missed payment history is accurate and they will NOT correct my payment history. Why?Business response
06/25/2024
Dear ****,
Thank you for your message, it seems that this complaint is a duplicate of one that First Tech has received through a regulator. We will respond directly to the regulator and not through the BBB as required by federal regulation. Please know that any complaint entered into the BBB system is transferred to the First Tech Complaint Program for tracking.Customer response
06/28/2024
Complaint: 21868823
I am rejecting this response because: I filed the subsequent complaint because FIRST TECHNOLOGY FCU continues to post erroneous information to my credit report and I wanted it investigated.They are now posting incorrect BALANCE information to my credit report. This is in addition to posting my timely payments as late.
So there are TWO COMPLAINTS against First Tech.
1. Posting timely payments from Aug 2019-Jan23 as late when proof of timely payments provided.
2. Incorrectly posting my loan balance as $2663 when it is actually approximately $1679 as of June 2024.
Sincerely,
*****************Business response
07/10/2024
Dear ****,
This will be our final response through the BBB. As stated in our previous message, once a regulator is contacted we are required to respond through their proces. If you have any questions please give us a call at ************. Thank you.
Initial Complaint
06/12/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
First Technology Federal Credit Union has received timely loan payments but have falsely reported over 11 timely payments from August 2019 through January 2023 as 30 days late with Equifax and Transunion and 60 days late with Experian. The years of this false reporting has caused me great financial hardship as I am kot able to secure any type of loan with this amount of late payments Dispite filing a dispute and providing bank statement proof to First Tech FCU, Experian, Eqiifax and Experian, my disputes have been closed and the 3 bureaus have responded that again dispite bank statement proof, First Tech FCU has certied that my late payments are correct. I feel hopeless as First Tech dishonesty is supported by the credit bureaus. Im not sure who to complain sbout, the organization falsely reporting or the organiztion that has a dispute process and a duty to only report correct information.I would like all of the falsely reported late payments reported by FIRST TECHNOLOGY FEDERAL CREDIT UNION to be removed immediately and my timely payments reported to all 3 credit bureaus correctly (TransUnion, Equifax and Experian) . I would like all 3 Credit Bureaus to correct my payment history records immediately as they have received relevant information during my disputes that confirms they are not reporting my credit payment historyi correctly. Repeated disputes are on file with the credit bureaus that say FIRST TECHNOLOGY FEDERAL CREDIT UNION has CERTIFIED that the late payments reported from August 2019 through January 2023 on my credit report are correct, dispite providing bank statement proof of my timely payments to all interested parties. Thank you in advance.Business response
06/17/2024
Dear Char,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your credit card servicing and membership with First Tech. We are very sorry to hear about your current situation.
We take your complaint very seriously, please know that it has been reviewed by the appropriate leadership teams and they will be responding to you directly. Please ensure that your contact informaiton is up to date to prevent any delays. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations.
If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Customer response
06/21/2024
Complaint: 21840958
I am rejecting this response because FIRST TECH FCU has continued to retaliate against my credit and have done NOTHING but report payment errors and 2 days ago they FALSELY reported my auto loan increase in ERROR instead of correctly reporting that my loan has DECREASED. If FIRST TECH took my situation seriously, they would not continue to close my disputes with Equifax and Experian, they would have immediately taken care of this.1. FIRST TECH you need to REMOVE the late payments from Aug19- Jan23.
2. Report my loan DECREASE correctly please.
Sincerely,
*****************Business response
06/25/2024
Dear ****,
Thank you for your message, it seems that this complaint is a duplicate of one that First Tech has received through a regulator. We will respond directly to the regulator and not through the BBB as required by federal regulation. Please know that any complaint entered into the BBB system is transferred to the First Tech Complaint Program for tracking.Initial Complaint
05/28/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
I am not responsible for this debt with First Tech, I do not have a contract with First Tech, and they have not provided me with the original as I have asked for.Business response
06/05/2024
Dear *******,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your loan with First Tech. We are very sorry to hear about your current situation. Please keep in mind that First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations.
We take your complaint very seriously, it has been reviewed by our ************************ and Fraud leadership teams. They have reached out to you multiple times to discuss the specifics of this case. Please return their call at your earliest convenience.
If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Initial Complaint
05/24/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Its unfortunate for new customers wanting to start a positive change when a week after opening an account I get flagged for fraudulent activity! Only 31$ in my account!! Spoke with two representatives before my mother and my wife sent me a *****. That totaled $31!! Not only inconsiderate by the company, to what Im going through in my life, but afterwards told me there was nothing I can do but wait until investigation is complete! (45days) Max ** Im completely locked out, and moneyless! With no update! Ridiculous!Business response
05/31/2024
Dear ***********,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your membership with First Tech. We are very sorry to hear about your poor member experience.
We take your feedback seriously, please know that it has been reviewed by the appropriate leadership teams. First Tech does everything possible to ensure that our deposit, lending and servicing practices are in compliance with all applicable laws and regulations. Additionally, we are constantly looking at our service levels and adjusting them to improve member interactions and engagement.
If you have any questions please call our ************************* at ************. At that time a representative will help direct you to the appropriate department. Thank you!Initial Complaint
05/23/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I made a payment of 9400 dollars to my credit card account last 05/22. The amount was taken off my checking account and my new current balance reflected on the app 05/23. I was under the assumption that once the amount paid has reflected, the credit limit will update. 05/23 I tried making a purchase, since similar to my other credit cards, when the amount is posted, the credit limit updates. To my disbelief, my card got declined. 05/23 7pm PST, I called their hotline but I was told theres nothing that they can do which is absurd because, 1. They have taken the amount on my checking account, 2. I really need use my card for a very important purchase. I find it frustrating that the card services couldnt do anything to resolve the issue of their members when they needed it most. Its concerning on all levels, what if my situation is life threatening or high risk and I needed to use the card which was already paid? What if there other members who need to send money for family in another country that is super urgent? Are they going to pay for the lost opportunity because they did not equip their card services team to resolve issues after hours? They need to fix their process and level of support to their members after hours, we shouldn't be waiting for the next next day or next business day to get our issue fixed specially on a valid and super important situation.Business response
05/31/2024
Dear ********,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding the time it takes for payments to post to your credit card. We are very sorry to hear about your poor member experience.
We take your feedback seriously, please know that it has been reviewed by the appropriate leadership teams. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations. Additionally, we are constantly looking at our member's feedback to find ways of improving our services
If you have any questions please call our ************************* at ************. At that time a representative will help direct you to the appropriate department. Thank you!Initial Complaint
05/21/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I deposited a check I've been waiting on for 2 1/2 years for rent relief into a new account I specifically opened for depositing the check because could not cash it at ***** Fargo where it's issued from. I talked to a person at bank before I deposited and said as long as it clears It will be fine. I opened my account 0n 5/6/2024 and was provided with a receipt showing that $500 would be available that day, $5025 on 5/8/2024, and the full amount of my deposit would be avaliable on 5/17/2024. A representative from First Tech called and verified the check on 5/7/2024. Which everything checked out to be valid. They provided me with a debit card an I was using it with no issues for the first day. Then on 5/7/2024 the bank out of no where with no warning or attempt to contact me addressing whatever issues they had on their end locked my account for, "suspicious activity and or fraud. I tried contacting the bank to no avail. They said the fraud department was conducting a review and i would receive an email with their decision which could take up to 45 days. I cant speak with the fraud deparment and i was given no explanation as to what the suspicious activity was. I made the charges on my account and the check is from the State of California Covid Rent Relief. I cant pay my back rent that i owe and for no fault of my own. They should have never accepted the check as my opening deposit if it was an issue. Someone just filed the same complaint with the exact same issue back in March of this year 2024. You think they would have addressed things on their end so there wouldn't be the same issues going forward. I just want access to my accounts and my funds so I can pay my bills.This is money I've waited years for. The check is legitimate and they are now holding my money. It's not right this is a government check. I've struggled to stay afloat for years now and now this. Talk about adding insult to injury. Thank you for your time and cooperation regarding my issue.Business response
05/31/2024
Dear ****
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your membership with First Tech. We are very sorry to hear about your current situation. You have been approved for Limitation of Services (LOS) which limits your activity to cash ONLY at First Tech branches only. If you wish to close their accounts or withdraw the funds or both you can submit ID documents which include a color copy of the front and back of your government issued ID as well as social security card and a proof of residence, such as a utility bill with your full name and address. Send this to **********************************************. After our fraud department receives these documents we can review within 1-2 business days and then issue a cashier's check to the address on file. If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Initial Complaint
05/06/2024
- Complaint Type:
- Order Issues
- Status:
- Resolved
I am not liable for this debt with FIRST TECH FCU. I do not have a contract with the collection agency. They did not provide me with the original contract as requested.Business response
05/09/2024
Dear Granit,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your loan servicing and membership with First Tech. We are very sorry to hear about your current situation.
We take your complaint very seriously, please know that it has been reviewed by the appropriate leadership teams and we found the loan was appropriately sent to collections due to missed payments. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations.
If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Customer response
05/09/2024
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,
Granit ******Initial Complaint
05/03/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I recently opened a checking/savings account with ******************** Tech. Everything went smoothly until I was invited to apply for an perdonal line of credit. After applying they requested more documentation, no problem. After about 5 days they send me and email stating they have suspended my account for suspicious activity and included a packet about being a money mule.....OK? I did literally zero transfers from this account other only a workers comp check deposit than the opening deposit. But nothing else or any transfers out of this account They said I must wait for the results of the investigation. They gave no timeline for how long that will take and said any questions must be mailed in. This isn't how I like to be treated as a customer. Please either give a timeline for how long this investigation is going to take and communicate with me or just close the accounts.Business response
05/09/2024
Dear *******,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding the hold on your account because of potential fraud. We are very sorry to hear about your current situation.
We take your complaint very seriously, please know that a full investigation is under way by our fraud leadership team and you will receive a response from them soon. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations.
If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Initial Complaint
05/01/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
see affidavit of truth attachedBusiness response
05/02/2024
Dear **********,
Thank you for your message, this is a duplicate request which was received via a regulator. We will not be responding through the BBB in this situation. Thank you.
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Customer Complaints Summary
124 total complaints in the last 3 years.
55 complaints closed in the last 12 months.