Complaints

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:02/17/2025

  Type:Order 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.

  I took out an autoloan in April of 2023 with RCU. After paying off a significant chunk and starting to pay the loan I noticed that their amortization schedule varies, meaning that one month interest is X and the next month it could be higher, then down, then up again. I've contacted them and they said that it's because the number of the days in a month varies, which, is complete hogwash. I've purchased 3 houses, 4 cars, have a HELOC and have worked in audting and still working in finance and never, have I ever encountered a loan schedule thats interest goes up and down on a monthly basis. This seems incredibly fraudulent to me and I'm being charged more interest than I should be. It took me several weeks to track down the person to reach out to and I never heard back from them. I provided them with a standard amortization schedule and they said someone would get back to me, its now obviously been over a year since I reached out and still no resolution. This is not only incorrect banking but also terrible customer service. If I could move my autoloan elsewhere I would I have already looked at moving my HELOC somewhere else as well.

  Business Response

  Date: 02/25/2025

  Ms. *********,

   

  Thank you for reaching out and allowing us to look into this for you. After a thorough review by our Loan Servicing Team, our records indicate the Auto Loan balance is accurate and your monthly payment has not fluctuated - we've attached a copy of your current payment history that includes the date of payment, payment amount (further broken down by principal and interest) and then the remaining balance. We have also provided a copy of the Subsequent Action Agreement that outlines the new monthly payment amount after you made the large principal-only payment in April of 2023.

   

  Should you have additional questions, please contact our ********************* at **************** and select option 2 to be connected with a Team Member. You may also contact us via Live Chat which is available Monday through Friday from 9AM to 6PM. We appreciate your Membership and thank you for allowing us to help.

   

  Customer Answer

  Date: 02/26/2025

   
  Complaint: 22951606
  
  I am rejecting this response because, I never stated that my monthly payment fluctuated. That is not the issue, the issue is that your interest amortization schedule is incorrect and the INTEREST amounts fluctuate rather than decreasing steadily through payments. I included a correct amortization schedule as yours IS NOT correct and not standard to any other loan amortization I've ever had on a car and/or home loan. My request is for the interest to be adjusted, not the payment amount. 
  
  Sincerely,
  
  ******* *********

  Business Response

  Date: 02/27/2025

  Ms. *********,

  We have requested that a Lending Manager reach out to you and resolve your concerns. If you do not receive a call by end of day today at the phone number listed in the complaint, please respond back and we will escalate the issue. Thank you.

• Initial Complaint

  Date:09/01/2024

  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.

  I should have received my social security check in my redwood credit Union checking account on August 30 2024 in my direct deposit and I still didn't receive it in my redwood credit Union direct deposit on September 1st 2024 in my redwood credit Union checking account I suspect that the redwood credit Union put my social security check in some else account by mistake and refused to check and put my social security check in my redwood checking account right now immediately right now today

  Business Response

  Date: 09/04/2024

  **********************,

  Thank you for reaching out and allowing us to help. We apologize you have yet to receive your Social Security deposit.

  When did you complete the Direct Deposit request with Social Security? Often times it can take a full deposit cycle for the switch to take effect on the new account, otherwise the funds could have been directed back to the original account. ********************** does not have the ability to request the switch on your behalf, so this would have to have been completed by you once the new account was opened. Should you need assistance, we can absolutely set up an appointment with your local branch to help with the process, or you can do so online through the Social Security website located by the following link:

  *********************************************************

  Thank you,

  Member Experience Manager
  

   

• Initial Complaint

  Date:06/29/2024

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore 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.

  I did an application for a car loan, with a cosigner well my cosigner at the last minute had a change of mind, I had contacted the business to withdraw only the cosigner if they couldn't do that then withdraw the whole application, witch they did not, not only that they went on a did an adverse action on my credit report 3 months after the application 3 months after i asked to withdrawl the application do to cosigner change of mind. Not only did they made my credit worse but never even ask if I had the cosigner write info on there. I make alot of mistakes but At least give me a opportunity to correct my mistakes nope they didn't. They went on and did everything i had ask them not to do.

  Business Response

  Date: 07/08/2024

  Hi ********,

  I'm sorry to hear of your recent lending experience as that is not in line with RCU's Service Standards. I've sent you an email that you included in this complaint as we are unable to locate any information in our system related to your name, phone number, or email address. At your convenience, please respond to the email so we are able to research your request. Thank you.

  Sincerely,

  Redwood Credit Union
  

  Customer Answer

  Date: 07/09/2024

  Better Business Bureau:
  

  I'm not sure why i did the application with you guys idk why you can't find the information I mean yall did an adverse action on me and sent it in the mail not to long ago 

  
  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

  Date:06/16/2024

  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.

  JAN 2, 2024, AT REWOOD CREDIT UNION, *********************** INTERNALLYB ATIVATED A SECURED LOAN, 1/11/24 I WENT BACK NTO BANK, NO HELP HE SAID CHECKING ACCT WAS OVERDRAWN, 1/19/24 ****************** TO LEVERAGE ALL OTHER ACCTS, SEE ********************** REPORT

  Business Response

  Date: 06/17/2024

  ************,

  Our records indicate you have been in contact with our ******************************* regarding this transaction. For further information, please contact them directly at ************************* and they would be happy to assist.

  Thank you,

  Redwood Credit Union
  

• Initial Complaint

  Date:03/20/2024

  Type:Sales and Advertising 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.

  I had called to resolve a negative balance I had occurred and tried to find a solution to where I could pay it off and get my account back on track. The person I talked to did not help me whats so ever, I tried to explain to her that i get paid x amount of dollars every week and if this check keeps going towards my negative balance there is no way I could pay for my essential bills with no money (I had already pushed back these bills as much as I could for the month), but she just told me to call these companies and not have them take out the bills. Then she proceeded to tell me that I have until the following month to bring my account up or they will charge off my account. She then also told me that it was my fault for using my card even in the negative, which I then proceeded to tell her that I didnt know a huge bill came out and I used my card thinking I had money still.. Instead of helping me, she told me to budget my money better and gave me a number for someone else to contact. I had also mentioned to her that I work full time, a student, pay for my own bills and groceries and didnt intend for this to happen in the first place, she decided it was best to down play my situation and talk instead about how she had it worst but still make things work Good for her, I guess.

  Business Response

  Date: 04/01/2024

  ******,

  Thank you for allowing us to look into this situation and we apologize for the lack of empathy - we clearly failed to provide you with an experience that is in line with our service standards.I see that on the date of this complaint, a repayment plan with our ******************************* was created with you. I'd like to have this reviewed by their management team and I will ensure that they contact you to ensure the plan is appropriate to your situation. Thank you for the opportunity to make this right - we appreciate your Membership and look forward to the resolution.

  Sincerely,

  *****************

  Member Experience Manager

  ************

   

• Initial Complaint

  Date:02/15/2024

  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.

  I purchased a vehicle through a dealership that closed before they could finish the title transfer paperwork. Im unable to get the registration renewed and get the stickers because of this issue. Redwood credit union was the company I financed with. I have been going back and forth with RCU and all they have done is give me the go around about how this is going to eventually be solved. They have advised that until then I keep making the payments on the truck and to just wait for it to be resolved. I have been pulled over and had the car towed because of this issue. I told them I was having issues because of it and all they have done is sent me temporary stickers to put on the truck. However, this only solves that problem. The bigger issue is that Ive been making payments on this truck since 8/2023 and its technically not even mine. Ive expressed concern about this to RCU and theyve done nothing but tell me to keep calling to check in on the status and keep making the payments. This whole situation has been extremely difficult and nobody has helped resolve it. I do not wish to even keep the truck anymore since its not even in my name, which is also something I have told them that they have chosen to ignore. I need help solving this matter.

• Initial Complaint

  Date:01/04/2024

  Type:Order 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.

  Today 01/04/24 at 3:00 pm Redwood Credit Union send a Repo man over to my home and breeching the peace trying to repossessesd my vehicle , The orginal creditor is ********************************* in **********, ********** , Redwood Credit Union was assign the contract , also Redwood Credit Union never gave me no money to buy my vechicles, So in order to repossessed a vehicle Redwood Credit union had to fill out with *** REPOSSESS FORM ,so if Redwood Credit Union had to fill out the *** REPOSSESS form that clearly states that they do not own the vehicle and if they own the vechicle ? why haven't they picked up the vechicles ?and why did Redwood Credit Union fill out the *** REPOSSESS form , once again they do not own vehicle I do ***************************** , there only intrest is the promissory note meaning promise to pay . On my contract with the orignal creditor ************************* contract says any dispute by any party holding security intrest or equitable intrest should have a right to arbitration to resolve any dispute , so if the contract was assign to redwood credit union why they have not file to have arbitration , clearly redwood credit union is breeching the contract also I have requested to redwood credit union for my state and fedral disclosures that they failed to give me or send me or email me. In the state law of ********** says that they have to send me my disclosres every year , since they have not done that , yet again redwood credit union breeching the contract. 15 US Code section ****-Determination of finance charge (5) Premium or other charge for any guarantee or insurance protecting the creditor against the obligor's default or other credit loss. So if redwood credit union thinks I defaulted on this alleged Debt, that is already insured ,why are there trying to repo my vehicals, is it insurance frud ., I believe that Redwood Credit Union has no contract so thats why there violating the Laws State and Fedreal and the only contract that they might have is from ***************** ****** , and there's no auto loan contract that I signed with redwood credit union when have they gave money or cash or ck they never did ,.Also rewood credit union has prevent me from using my bank account and savings accounts and holding my money hostage.

• Initial Complaint

  Date:12/05/2023

  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.

  I am deeply distressed by the recent discovery that my nonpublic information has been shared with three bureaus, leading to the dissemination of inaccurate information on my credit report. This has caused significant financial and emotional distress.I wish to emphasize my rights under 15 USC **** Section 602, which guarantees my right to privacy. Furthermore, 15 USC **** Section 604 A Section 2 explicitly states that a consumer reporting agency cannot furnish an account without my written instructions, which has not been provided.Additionally, under 15 USC **** B, a creditor is prohibited from treating any payment on a credit card account as late for any purpose, yet discrepancies have arisen.I urge immediate action to rectify these issues and cease the dissemination of inaccurate information. My account number is *******, and I expect a prompt and satisfactory resolution to this matter.

• Initial Complaint

  Date:11/17/2023

  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.

  Redwood Credit Union has been reporting *** Active credit card on my credit report. I was informed my payment was late and if I made a payment the credit card would be active. Now 11 months later I am now trying to use the card and they said it is expired due to 30 days past due. There has been no notification of this. I came to the branch on 11/15/2023 to request a reprint of the card and I was informed the card was active. Now reaching out to the back office to resolve this issue they are not owning up to resolve the issue based of the misinformation they have given me.

• Initial Complaint

  Date:08/31/2023

  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.

  They vehemently advocate for people who are not me, and not authorized by me to fraudulently use a credit card and bank/debit card issued by them. When reported they never followed up with me, allowed a merchant to make fruadulent charges to the card and then cut off all access to my money and accounts and falsely report to my credit. They jave harassed me, fruadulently charged me charges without acknowledgement or warning, some reversed others not and it has no recourse. If emailed by them you cannot stop, report, or correct a false issue or document and the unsubscribe options and email options come back as undeliverable by mail system (even when using live clickable link in continuously harassing emails from them ABOUT unsubscribing) not a single way to correct it and only an internal run around.