ComplaintsforWe Florida Financial

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Initial Complaint
08/27/2024
Complaint Type:
Service or Repair Issues
Status:
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.
The bank keep charge me $35 for an over draft when my account is not negative, they say they charge to decline the payment which I was unaware of. My account is still showing over $4k with and a $35 fee they charge. This bank has been charging me for things I never agreed to over the few years that I have joined. They dont explain procedures to you and then they charge you and when you go to them or call them they want to explain. Im tired of this establishment trying to find ways to charge customers. I send $2k last night as well and the money is still not in the account when my other bank told me the money was sent there is more than enough money deposited into this account to cover any charges that I have made.
Business response
08/28/2024
08/28/2024

Re: NCUA Complaint Response # ID #********

Dear ***********************

In reference to the complaint submitted, weve reviewed your account and found the following information.

On 06/24/2024 we made a one-time exception and refunded an *** fee to your account as you stated that you were misinformed about the *** fees. You requested to be opted out of courtesy pay after we gave you the policies of the ***s. We also informed you that if ACH is rejected for insufficient funds, you will be assessed a reject fee of $35.00.
On 08/27/2024 you were assessed a reject fee of $35.00 for the **** EPAYMENT transaction amount was $4,980.00 and your balance was $4,977.82.

You did not have enough funds the account to cover this transaction, hence the reject fee was assessed immediately.

If you have any further questions, please give us a call at ************ Monday through Friday 9AM-5PM.

Sincerely,

We Florida Financial
************
Customer response
08/28/2024

Complaint: 22203867

I am rejecting this response because:

Sincerely,

***********************
i was not aware that I would be charged a fee for assess or assessment fee thats was not explained thorough. If I did not agree to an over draft fee why would I agree to an assess fee. That was not explained I did not know/ understand what that meant until I showed up at the bank. These bank members are lying so they can steal from their customers, I wont stop making complain about them and there fraudulent charges.
Business response
08/29/2024
08/29/2024

Re: NCUA Complaint Response # ID #********

Dear ***********************

In reference to the complaint submitted, weve reviewed your account and found the following information.

By opening a membership with the credit union, you have accepted the disclosures which detail the charge of fees for the maintenance of your account. This is accepted by all applicants who open an account.

On 6/24/2024 you were informed again regarding credit union policies and procedures surrounding Non-Sufficient Funds, Courtesy Pay, and Reject Fees after the one-time exception was made to refund the *** that was assessed to your account. We noted the account after you acknowledged your understanding that you will not be refunded another fee on your account unless its a ********************************************** error. This transaction was not a Credit Unions Error and unfortunately cannot be reversed.

If you have any further questions, please give us a call at ************ Monday through Friday 9AM-5PM.

Sincerely,

We Florida Financial
************
Customer response
08/30/2024

Complaint: 22203867

I am rejecting this response because: it was not explain for customers to understand, Im through with this bank I will be taking my business elsewhere.

Sincerely,

***********************
Initial Complaint
08/24/2024
Complaint Type:
Service or Repair Issues
Status:
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.
The issue is since around December of 2023 I have had this issue and it has still not been rectified. I am on the online app for We FL Financial. I am going to ****** >> my credit card account and making the payment. The payment IS NOT being taken and every month I am being reported to the credit bureau for non-payment. This drops my score by ***** points. I spoke with someone who stated not to use a feature on the app but why is it active if it doesnt work? If I call they only want to take a payment or sends me steps on how to make a payment. I am an IT Professional, Im fully aware of how to make a payment.
Business response
09/10/2024
Good morning,

We Florida Financial has reached out to the member and we have fixed her account issue. it was determined that the incorrect account number was used when making the payments.

Customer response
09/12/2024

Complaint: 22190538

I am rejecting this response because:
My credit score is still down 200 points due to this error.
The system in place is not fully functional if it allows an invalid or insufficient account number and it does not notify the individual that a payment was not accepted.
While I can now make payments, I am still unable to finance anything because my credit is now in shambles
I need the error reported to the credit bureaus.
Sincerely,

****** ********
Business response
09/13/2024
Tell us why here..September 13, 2024

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

Re:Complaint Response 22190538

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

In reference to the complaint submitted, weve reviewed your account and found the following
information.

When the payment information was entered, it was incorrect and contained several Zeros. Therefore, the payments could not process successfully.

On 9/4 we were able to make contact with you and make the changes to properly enter the correct account information.

Attempts were made to reach out to satisfy the payment and were met with no success.

Per the Fair Credit Reporting Act, we must report fairly and accurately. All documentation we have shown that this is accurate. We will not be removing this from your credit.

If you have any further questions, please give us a call at ************ Monday through Friday 9AM-5PM.

Sincerely,
Compliance and **************** Department
We Florida Financial.
Initial Complaint
08/22/2024
Complaint Type:
Billing Issues
Status:
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.
My account went negative bc my IRS taxes were taken out of my account yesterday and I was not aware. There were three other transactions that were processed yesterday and I was charged $35 for overdraft for those transactions. I put money in the account the same day. I requested all 3 of the overdraft fees refunded to my account as it was much less than 24hrs before I realized it was negative and took care of it immediately. They refused and didnt have any other options for remedy. Things not the first issue I have had in the last year. This institution has changed a lot in the last year and does not operate in the manner of a personable credit union. Credit Union are supposed to be for the members and owned by the me Bees, this used to be the case here but its not anymore. I will be closing my accounts and changing to ***** who surprisingly is always accommodating when I have issues withy business account. No loyalty to long term credit union members anymore.
Business response
08/28/2024

08/28/2024

Re: BBB Complaint Response - CID# ***

Dear ******************;

In reference to the complaint submitted, we have reviewed your account and found the following information.

On August *******, transactions were presented that exceeded your balance available in your account. The incoming transactions were transactions that you arranged to be paid for from your account. The account holder is responsible for ensuring there are enough funds to cover those transactions.

You did not have enough funds in the account to cover this transaction, hence the reject fee was assessed immediately. To avoid this occurrence, please ensure that there are enough funds on hand prior to scheduling a payment to be taken out of the account.

If you have any further questions, please give us a call at ************ Monday through Friday 8AM-5PM.

Sincerely,

We Florida Financial
************
Customer response
08/29/2024

Complaint: 22181480

I am rejecting this response because:
I was not aware that the funds were coming out and I put more money in my account within a matter of hours on that same day to clear the negative account. Within less than 24 hrs the credit union had charged me 3 overdraft fees of $35 each. Even ***** has a 24hr exception of allowing you to clear the negative balance before charging overdraft or they will reverse it. Again even the response to this complaint goes against everything a credit union is supposed to be which is for the people in need by the people and supposedly a more personable relationship than a corporate bank but thats not the case.
Sincerely,

*****************
Business response
08/30/2024
Tell us why h08/30/2024

Re: BBB Complaint Response - CID# ***

Dear ******************;

In reference to the complaint submitted, we have reviewed your account and found the following information.

On August *******, your beginning balance was $1,710.54. The transactions that you had scheduled to come out of your account were $2,803.00 to the *** USATAXPYMT,$114.00 to Comenity Pay, and $74.00 to Discover. The total of those payments,$2,991.00 exceeded the available balance in your account.

These payments were set up as ACH payments utilizing your routing number and account number. Payments of this nature, when set up, take 3-5 business days to hit your account. The funds were not available in the account when the payments came in.

The deposit you arranged to go to your account went into your account after those payments were presented. When payments are presented, the system will look at the available balance to ensure there are enough funds on hand. If enough funds are not available, the system will automatically charge the fees at the time the transaction is presented.

If you have any further questions, please give us a call at ************ Monday through Friday 8AM-5PM.

Sincerely,

We Florida Financial
************
ere...
Customer response
08/30/2024

Complaint: 22181480

I am rejecting this response because:

still not a sufficient response because my point is I covered it within much less than 24hrs therefore it should be refunded. As previously stated this response does not adhere to what a credit union is supposed to do for their clients.

Sincerely,

*****************
Initial Complaint
07/03/2024
Complaint Type:
Service or Repair Issues
Status:
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.
Hello I am specialist ******************* of the US ARMY, I have a car online under my uncle's name ***************************** My car has been repossessed under the policy that I have been late with my payment by 60 days I was on the phone with one of the solution managers, and they told me that they had not received a payment for *** or June and requested that I paid $1200 to get my car back.I provided them with proof that I made payments in *** and June before the ******************************************************************************* the military and I have equipment in that car for my job that I do for the army.The resolution I require is that I get my car back and that I get credited with the payments that I made on the car up to that point and reinstate my loan so I can refinance the car with Navy Federal
Business response
07/16/2024
07/16/2024
*******************
****************************************************************************
Re: BBB COMPLAINT RESPONSE 21938426
*******************,
In reference to the complaint submitted, weve reviewed your request, and here is what we found.
Due to you not being directly associated with this account, we cannot provide sensitive information. If the
member has any questions, please have them give us a call at ************ Monday through Friday 9AM-
5PM.
Sincerely,
Member Solutions Department
*******************************
We Florida Financial
************
Initial Complaint
05/29/2024
Complaint Type:
Billing Issues
Status:
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.
Week of April 8th-Letter from WE that loan was due to mature. The amount due was stated as $3,609.63 Last payment should of been ******, I pay ****** online every month.April 17, 2024-Called WE to find out why payment due was so much higher than car payment. She stated that it looked like it was forced insurance placed on the vehicle from 2018. April 24, 2024-Sent progressive verification to the loan insurance department as told to do.April 30, 2024-Called to ask about progress and was told I needed a to send a declaration page for the month of February 2018.May 6,2024-Emailed declarations page.May 9 2024-Called to check the status Told it cleared and I was credited back ********. WE requested an additional declaration page from May 13-May 2018 stating I had insurance because I was still being charged $319.00. May 14,024-Called WE about the balance on the account and stated that I should have the credit on the account for ******** they said it was not there. Told them I was going to make my last payment online for my normal ****** (which should have closed out my loan) The person I spoke to went through my account and stated they could not find anywhere where I would have extra charges besides the forced car insurance that I was getting credited back. We determined it was interest I had been charged from 2018 on for this forced car insurance that I did not need, and should be credited back. May 24,2024-Emailed additional declarations page.Week of May 24th Received letter saying that my account had been ************************ the *******.May 28,2024-Received text from WE stating my loan payment for 2,912,83 was late and due 5/15/2024 May 29th 2024-Called WE to ask about the credit of ******* and they stated the credit was not on my account, despite confirmation. No one can determine the reason for the additional money owed at WE. I have paid off my loan in full and there should be no reason I owe WE any additional money.
Business response
06/24/2024

June 24, 2024

To: Better Business Bureau
       4411 Beacon Cir.
       *************************

RE: ***********************
      601Goshen CT
      *******, FL 32828

    Subject: Complaint ID #********

To Whom it May ******************** email is in response to the above referenced complaint filed with the BBB on May 29th, 2024. With the proof of insurance provided to State National on 05/08/2024 and 05/31/2024, a total refund amount of $1,984.00 plus interest of $598.77 have been credited to your loan balance.

In addition to the credited amounts mentioned above and the 2 late fees identified during our research, the loan balance has been satisfied. I sincerely apologize for any inconvenience these issues may have caused you, as we are always striving to improve our services.

Should you need additional assistance regarding this matter,please contact the undersigned at ************** or via email at *************************************

Sincerely,

***************************
Loan Servicing Manager
Initial Complaint
05/10/2024
Complaint Type:
Billing Issues
Status:
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.
I'm writing urgently to address the errors on my credit report resulting from the disclosure of my personal information to credit bureaus, leading to significant financial and emotional distress.As stated in 15 USC 1681 Section 602, I assert my right to financial privacy and expect my information to be treated confidentially.Additionally, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account details without my explicit consent, which I haven't provided.The discrepancies related to WE FLORIDA FINANCIAL have negatively impacted my financial standing, prompting an immediate need for correction.I also emphasize compliance with 15 USC 1666(b), prohibiting creditors from treating credit card payments as late under specific circumstances.Below are my account details for your reference:Account Number: 4165****I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to promptly address these concerns may result in legal action. I appreciate your immediate attention to this matter.Sincerely,***************************
Business response
05/28/2024
05/24/2024
***************************
*****************************************************************
Re: BBB Complaint 21693777
Dear ***************************,
In reference to the complaint submitted, we have reviewed your account and found the following
information.
On 04/26/2018 a membership application form was filled out and signed. See attached. Our privacy
policy covers our sharing of information with credit bureaus. By signing the application there was an
acknowledgement of the privacy policy. See attached.
The account became overdrawn on 01/23/2019 and remained with a negative balance until it was charged
off as a loss to the Credit Union.
The account was charged off on 03/11/2019 with a negative balance of $1,371.98. $35.00 was due to fees.
Members are responsible for the activity on an account. The charged off amount was paid in full on
05/22/2019. Credit reporting was updated to show charge off paid in full.
Per the Fair Credit Reporting Act, we must report fairly and accurately. All documentation we have shown
that this is accurate. We will not be removing this from your credit. Our investigation has been completed.
If you have any further questors, please give us a call at ************ Monday through Friday 9AM-
5PM.
Sincerely,
*******************************
Member Solutions Manager
Member ********************
Initial Complaint
05/06/2024
Complaint Type:
Billing Issues
Status:
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.
Paid off my car loan in December of 2023, have had no contact other than me reaching out to them multiple times to verify overnight cashiers check was received....took them almost a month to process, even though they deleted my online access right away.As of today, May 6, 2024, they have negatively reported my account more than 60 days past due twice.
Business response
05/14/2024
05/14/2024
**********************************************
1908 BLUE FOX CT
*******, FL 32825-8501
Re: BBB COMPLAINT RESPONSE 21670805
**********************************************,
In reference to the complaint submitted, weve reviewed your account and found the following
information.
The final payment of $6,150.41 was posted to the loan on 12/11/2023. With this payment the loan was
paid in full.
We have updated the loan to report as paid in full to all bureaus. Please allow ***** days for the update
to be made.
If you have any further questions, please give us a call at ************ Monday through Friday 9AM-5PM.
Sincerely,
Member Solutions Department
*******************************
We Florida Financial
************
Initial Complaint
03/19/2024
Complaint Type:
Billing Issues
Status:
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.
Hello there an account reflecting on my credit. That doesn't belong to me. I have never had an account with ********************. Im asking for validation of debt or an immediate removal of the account from my profile.acct#******. $615
Business response
04/01/2024
04/01/2024
******************************************
***************************************************************
Re: Complaint Letter 21455214
Dear ******************************************,
In reference to the complaint submitted, weve reviewed your account and found the following
information.
The account was opened 12/08/2017. See attached document. The account became overdrawn and
remained with a negative balance until it was charged off as a loss to the Credit Union.
Accounts that remain negative for more than 45 days are charged off. The account went negative on
05/28/2018 and never went back positive. The account was charged off on 07/05/2018 with a negative
balance of $615.95. $122.00 was due to fees. Account owners are responsible for the activity on an
account.
Per the Fair Credit Reporting Act, we have to report fairly and accurately. All documentation we have
shows that this is accurate. We will not be removing this from your credit. Our investigation has been
completed.
If you have any further questions, please give us a call at ************ Monday through Friday 9AM-5PM.
Sincerely,
**************** Department
*******************************
We Florida Financial
************
Customer response
04/04/2024

Complaint: 21455214

I am rejecting this response because:there's no documentation attached? To validate this debt

Sincerely,

*****************************
Business response
04/09/2024
Good Afternoon,
Please see attached documents.

Regards,
Initial Complaint
03/03/2024
Complaint Type:
Service or Repair Issues
Status:
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.
Ive made my payment on time every month since owning the truck. this We Florida Financial bank institution has falsely reported that I have missed my payment to my credit bureau and its now affecting me by dropping my credit drastically. This is unacceptable and as you could tell by the pictures I uploaded somethings going on behind the scenes as to why this keeps happening and it is not my bank as I have contacted them.
Business response
03/18/2024
03/05/2024
*********************
*****************************************************************************-0301
Re: BBB Complaint ********
Dear *********************,
In reference to the complaint submitted, we have reviewed your account and found the following
information.
On 01/09/2024 two payments of $623.31 were made toward the loan. The first payment covered the
12/29/2023 payment. The second payment went to the principal balance as the January payment was not
yet generated.
As a courtesy the credit union agreed to reverse the principal payment and have it apply to the January
payment on 02/06/2024 payment. When doing so, due system limitations we had to reverse several
payments and reapply them. In this process the December payment was reapplied on 02/06/24, causing
the credit reporting.
We reapplied them as the dates they came in and adjusted the credit reporting. Please allow 30 45 days
to have this be reflected on your credit report.
If you have any further questions, please give us a call at ************ Monday through Friday 9AM5PM.
Sincerely,

*******************************
**************** Manager
**************** Department
Initial Complaint
01/31/2024
Complaint Type:
Service or Repair Issues
Status:
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.
We Florida is scamming thousands of people out of penalty fees. They make it nearly impossible to make a payment outside of driving to their brick and mortar locations. The phone pay and online systems are faulty, thus blocking you from accessing a person or their online banking to make your payment. The call wait times are always 2-3hrs. At times they hang up on you after you have waited to get through. I have emailed them and they do not respond. Meanwhile, they have a new policy with late fees. This clearly a SCAM. This institution needs to be investigated. They open an account on my behalf with my knowledge or my authorization. I have an auto loan and bank at a different institution. I have never even heard of We Florida. I was making phone payments for 6 months and WF kept the money, put it into a phony account and did not apply a single payment to the auto loan. I gave them a chance to correct it but it has been 1 scam after the other. Call ************ at the open of business hours and they hang up. I called this morning 15 times and they picked up and hung up or sent the call to voicemail. I have consistently be assessed late fees in addition to the principal and or interest paid on the loan. When I asked ******* for information about the sum of the total late fees, she stated she could not give it to me. When I asked the the total paid on the loan as of 1/31/24, she deferred the question and then put me on another hold.
Business response
02/17/2024
2/16/2024

Re:Complaint Letter ID ********

Dear *****************************,

In reference to the complaint submitted on 1/31/2024, we have reviewed your account and found the following information.

Upon reviewing the loan that you have with us, the payments that you are initiating and sending over have been arriving after the payment grace ****** of 10 days. Upon receipt of the funds from the payment that we receive, it is credited to your loan immediately. To avoid those fees in the future, be sure to initiate your payment earlier as most of the payments arrived outside of your 10-day grace ******.

You can utilize our payment portal online to make your payments, to link an external account via online banking to transfer funds, visit any of our branches or shared branch locations, or utilize the ***** Our online portal offers the option to setup auto pay and no cost to you to ensure that you can make your payments on time.

If you do need to contact us to make a payment that is time sensitive, feel free to contact us by dialing ***************************. If you encounter a long hold,you have the option to leave a voicemail which will result in a call back by the end of the next business day.

If you have further questions, please contact us at ***************************.

Sincerely,

********************;
Member Relations Manager
We Florida Financial
P:************
F:************
A:1982 **************************************************************;
E: ********************************?
WeFloridaFinancial.com

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