ComplaintsforDepartment of Commerce Federal Credit Union
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Complaint Details
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Initial Complaint
05/28/2023
- Complaint Type:
- Billing Issues
- Status:
- Unanswered
Department of Commerce Federal Credit Union 1401 Constitution Ave NW Rm B-818,Herbert C Hoover Bldg Washington, DC 20230-0002 Account #: ***************** Verification is #4 in debt validation law. Verification is a sworn statement/ affidavit of truth. I have also provided you with ***** Law definition of verification below as you are partaking in willful non compliance 15 U.S.C. 1681n - Civil liability for willful noncompliance. I demand proof of delivery letter within 14 days of reporting account. I request certified mail tracking number. If you cant provide the requested information then I demand that you delete this tradeline asap and cease and desist all collection activity including reporting the account. I will take reasonable steps to get justice for the pain you caused me. In pleading. A certain formula with which all pleadings containing new affirmative matter must conclude, being in itself an averment that the party pleading is ready to establish the truth of what he has set forth. In practice. The examination of a writing for the purpose of ascertaining its truth; or a certificate or affidavit that it is true. “Verification-’ is not identical with “authentication.” A notary may verify a mortgagee’s written statement of the actual amount of his claim, but need not authenticate the act by his seal. ****** v. ******, 19 Ohio St. 291. Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See ******** v. ***********, 134 111. 126, 25 N. E. 429; *********** v. ******* Assur. Co. (C. C-) 65 Fed. 296; ********* v. ********, 6 App. Div. 127, 40 N. Y. Supp. 581. I'm requesting an Accommodation under the Cares Act. Please update the late payment associated with the following account below to "Paid as Agreed" on my credit report, so I can get qualify for a mortgage with a low-interest rate & continue building my relationship with Department of Commerce Federal Credit Union.Initial Complaint
04/28/2023
- Complaint Type:
- Product Issues
- Status:
- Unanswered
My debit card does not work and stopped working on April 18th. I contacted the credit union and the manager, *********************** promised to overnight me a debit card yesterday. I called to find out the status and she won't return my call nor confirmed when or if she sent the new debit card. I don't reside in DC and need my debit card.Initial Complaint
02/09/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I obtained a loan through them and was told that I would be able to make principle only payments. When I attempted to do this I found out that you needed to call in. But after I called in I learned you needed to have a checking account with them in order to make principle only payments. So I opened an account even though I didn't want to. Upon opening the account I was able to link an external account. But now I can no longer link an external account, nor can I send more money to the account.In affect, they have cut off my ability to pay my loan principle off early. So I have 2 problems:1. I cannot link an external account in order to add more money to pay off the loan faster. 2. I cannot pay towards principle without calling in during working hours and often times they mess up and make it a normal payment instead of a principle only payment.Business response
03/17/2023
Thank you very much for brining this complaint to our attention. We have researched our member's issues and agree with him. Unfortunately, our home banking system, which is managed by a 3rd party software vendor, does not have the capability to process principal-only payments on our home improvement loans. We can certainly sympathize with our member's frustration, and have been working with our home banking vendor to add this functionality. It is our expectation that this issue will be resolved within the next few months. In the meantime, we encourage our member to contact our member service center and request the payments be made via phone.
Initial Complaint
01/08/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Unanswered
The DOCFCU experienced a system problem in November 2022. With that, our scheduled auto payment did not process. We spoke with a DOCFCU agent, authorized another payment. It didn't process, on a 3rd call, we were promised this would be corrected. However, the business reported a late payment to the credit bureau and my credit score plummeted because of their false report . The payment due on Nov 25, 2022 was paid on the 14th of Nov, but their system was broken. Also, the payments are not deducted from the balance and the balance keeps increasing on file as we make payments. It seems as though there are some issues on their end that are not fixable and the consumer is suffering because of it.Initial Complaint
12/19/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Unanswered
I was charged twice for the moment 553.60 for my loan 2 days apart. I tried to call and get a refund. I was told that they could not help me. I gave them all the info they asked for, I verified all my information. Still was told they wouldn't help me. They told me I have to go into the office. I live in Texas the office is in Washington. I hope this does not happen to anyone else.Initial Complaint
12/02/2022
- Complaint Type:
- Billing Issues
- Status:
- Unanswered
I opened a new CD on 11/21/2022. I asked add three beneficiary & allotment each 1/3 %.. It is large amount. I always asked to show the CD with beneficiary . I have saving account on this credit union on line. I can look the saving account with three beneficiaries. And the CD. But, Not with beneficiaries and allotment each 3/1 %. I finally called the customer service this morning. The agent emailed me a attach. The CD no beneficiaries. I have many accounts at online Banks & credit unions . I had hard problems of beneficiary only this credit union and *** ****** bank. Thank you.
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Customer Complaints Summary
10 total complaints in the last 3 years.
4 complaints closed in the last 12 months.