ComplaintsforSpace Coast Credit Union

• Initial Complaint

  06/14/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been working with: Stephanie V***** Express Mortgage Originator From realtor: "Hi guys, As of today 5/15/2022 we're officially in contract. see attached for the executed contract. CONGRATULATIONS!!! See below for some important dates. Escrow Deposit due on or before 5/18/2022 Inspection period ends on 5/22/2022 Loan approval Due on or before 06/04/2022 Closing date on or before 06/17/2022 Since April 25, 2022. She sent me a pre-approval on this very day and I also sent her all my documents along with my boyfriends. My realtor sent CC'd her in an email with all the dates we would have to meet. My realtor constantly would reach out to her but she would barely ever respond to any of his calls or emails in regards to the loan. On June 7th 2022 which was 3 days after the loan approval should have been sent, that was the day she sent me the appraisal. On this very day I asked if all was well for closing on Friday June 17th 2022, she ignored that message and told me to send her my boyfriends pay stubs. Today June 13th 2022, I emailed her in regards to whether or not everything was good to close this Friday, she states: "Good Morning, I did get the review back from underwriting and unfortunately at this time, we are not able to proceed with the loan. With your second job unfortunately because it is part time, we cannot use that income and underwriting has declined the loan because the debt to income ratios are too high at the moment. We tried everything we could to try to get the ratios in line but if we paid off any debts, it would leave you short funds to close on the purchase." Stephanie has put us in a very bad situation to where no dates were met and now me potentially losing my escrow deposit because of her lack of being professional with such an important situation. Now I am stuck trying to figure out my housing situation with two small kids and losing 15k. I really need this situated because shelter and money is on the line, this is unfair.

  Business response

  08/03/2022

  Business Response /* (1000, 9, 2022/06/29) */ SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on June 14, 2022. We have thoroughly reviewed the matter and SCCU's Assistant Vice President of Consumer Sales addressed it directly with the consumer on June 28, 2022 by way of telephone. In the interest of protecting the consumer's confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed. We appreciate your bringing this issue to our attention.

• Initial Complaint

  05/31/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Got info for an auto loan about a week ago. I liked the terms and was told to finish the deal at one of their branches. I end up going to one of their branches inside a wal-mart and saw a team there that seemed like they have no clue what's going on. I say there for two hours while they scrambled around my documents and had me sign multiple times due to them printing out the wrong documents. Later on I realized I came home only to find out that I was not given a copy of ANY of the documents that I signed. I call Corporate the very next business day and they told me that in fact that branch had you sign the wrong documents and they apologized. I want to know why my documents weren't provided to me at the time, and also would like to know where those documents are that have all my info in them. Other peoples' info in that branch can so easily be stolen due to the lack of structure in their branches.

  Business response

  07/22/2022

  Business Response /* (1000, 8, 2022/06/16) */ SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on May 31, 2022. We have thoroughly reviewed the matter and SCCU's Skylake Branch Manager addressed it directly with the consumer on May 31, 2022, in person. In the interest of protecting the consumer's confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed. We appreciate your bringing this issue to our attention.

• Initial Complaint

  04/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have submitted a request of document from space coast credit union on the date of 04/12/2022 for my 9-614. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, as well as my 9-616. EXPLANATION OF CALCULATION OF SURPLUS OR DEFICIENCY and § 9-627. DETERMINATION OF WHETHER CONDUCT WAS COMMERCIALLY REASONABLE. They have failed to comply with the requirements of law pursuant to UCC 9-616 (b) (Explanation of calculation.) In a consumer-goods transaction in which the debtor is entitled to a surplus or a consumer obligor is liable for a deficiency under Section 9-615, the secured party shall: (1) send an explanation to the debtor or consumer obligor, as applicable, after the disposition and: (A) before or when the secured party accounts to the debtor and pays any surplus or first makes written demand on the consumer obligor after the disposition for payment of the deficiency; and (B) within 14 days after receipt of a request; or (2) in the case of a consumer obligor who is liable for a deficiency, within 14 days after receipt of a request, send to the consumer obligor a record waiving the secured party's right to a deficiency. I have already sent a letter to you directly requesting them to send me proof of all documents have been sent to the right consumer pursuant to this law. I have proof of receipt which your company received on 04/12/2022 which I will be attaching to this letter. Today is 04/27/2022 and I am yet to receive a response from SPACECOASTCU this is day 15 which has surpassed the 14-day period therefore they must send me a record waiving my right to deficiency! This account is in clear violation of law, it must be deleted off my consumer report immediately.

  Business response

  07/01/2022

  Business Response /* (1000, 11, 2022/06/06) */ SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on April 27, 2022. We have thoroughly reviewed the matter and SCCU's Credit Solutions Manager addressed it directly with the consumer on April 29, 2022, by way of mailed letter. In the interest of protecting the consumer's confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed. We appreciate your bringing this issue to our attention.

• Initial Complaint

  04/14/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This account inaccurately reported from my credit report in 3 credit bureaus like Equifax, Experian and Transunion. ************ XXXXXXXX**** Date Opened: 07/26/2021 The postings on this account was inaccurate and misleading also included inaccurate balances ($1,496.00). I already reached out to them but still now there were no responses also sent disputes to the Credit Bureaus

  Business response

  05/16/2022

  Business Response /* (1000, 8, 2022/05/04) */ SCCU always want to make sure that we take corrective action when needed to serve our membership better. Please let this response confirm that SCCU has thoroughly reviewed the facts of the matter presented, and we've taken the appropriate actions deemed necessary in response to this complaint. As previously mentioned in this duplicate complaint from February 15, 2022, we did communicate with the consumer on February 18, 2022, via a mailed letter and we've made an earnest attempt to resolve the complaint. At this time there is no new information that SCCU is at liberty to disclose, due to confidentiality. SCCU would appreciate BBB's assistance with closing this case.

• Initial Complaint

  03/31/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  For almost 2 months I have been locked out oF MY backing account. The bank has refuse to fix the problem, in mean while, because on not being able to access my funds and account my funds, my bank account has had several infractions that has cost me financially as well as effected my LIVING situation. Fraud attempts, lock out at unreasonable and unacceptable times, over drafts charges. I also have had credit cards close because of the bank not properly allowing me to view my FINANCES. I HAVE DECREASED IN CREDIT SCORE BECAUSE THE BANK DENYING ME ACCESS TO MY FUNDS. I feel like this credit union as found leagal ways to bluntly blind thier customers. NOT BEING ABLE TO CONTROL THE ACCESS TO MY ACCOUNT IS WRONG.

  Business response

  05/10/2022

  Business Response /* (1000, 8, 2022/04/18) */ SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on March 31, 2022. We have thoroughly reviewed the matter and SCCU's AVP of E-Banking addressed it directly with the consumer on April 11, 2022, by way of a mailed letter. The letter should have been received within 5 business days. In the interest of protecting the consumer's confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed. We appreciate your bringing this issue to our attention.

• Initial Complaint

  03/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Company will not return phone calls after promising to return them. They still owe me a payoff difference of a 100k vehicle I sold to a customer who used them.

  Business response

  04/14/2022

  Consumer Response /* (2000, 6, 2022/03/25) */ Was contacted and check received

• Initial Complaint

  02/15/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This account inaccurately reported from my credit report in 3 credit bureaus like Equifax, Experian and Transunion. SPACECOASTCU XXXXXXXX**** Date Opened: 03/24/2021 The postings on this account was inaccurate and misleading also included inaccurate balances ($1,496.00). I already reached out to them but still now there were no responses also sent disputes to the Credit Bureaus

  Business response

  03/07/2022

  Business Response /* (1000, 5, 2022/02/24) */ SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on February 15, 2022. We have thoroughly reviewed the matter and SCCU's Consumer Loan Servicing Manager addressed it directly with the consumer on February 18, 2022, by way of a mailed letter. The letter should be received within five (5) business days. In the interest of protecting the consumer's confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed. We appreciate your bringing this issue to our attention.

• Initial Complaint

  01/31/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Space Coast Credit Union is continuously trying to charge me an extra $162 for my monthly billing beginning in January after adding involuntary insurance. SCCU confirmed via phone many times prior to January that they had all my insurance information. I did a 3-way call with Progressive over a week ago so they could verify and forward all applicable documents needed to show I have full coverage on my vehicle throughout the entire time I've had the vehicle. SCCU keeps giving different dates everytime I call as to when the additional charges will be dropped, however nothing has changed on my account after a month of dealing with this. I'd like the BBB to resolve this issue with them and take additional balance due off of my account plus any additional late fees that may have accrued as a result.

  Business response

  03/01/2022

  Business Response /* (1000, 5, 2022/02/14) */ SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on January 31, 2022. We have thoroughly reviewed the matter and SCCU's Consumer Loan Servicing Manager addressed it directly with the consumer on February 8, 2022, by way of a telephone call. In the interest of protecting the consumer's confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed. We appreciate your bringing this issue to our attention. Consumer Response /* (2000, 7, 2022/02/15) */ (The consumer indicated he/she ACCEPTED the response from the business.) They took off the additional charge and refunded any accrued fees as a result of their mistaken total on my car payment.

• Initial Complaint

  01/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I've been a member with space coast credit union since 2019 i settled a collection on a credit card with a balance of $1,500 on 08/20/2020 there's late payments reporting to all three credit bureaus that I will like removed in good will I've disputed this matter numerous times to space coast directly and to the credit bureaus with no luck I find it ridiculous that a member that has financed vehicles through this credit union with no late payments and has recommended countless people to this establishment and has settled a debt owed can't get a positive outcome on a late payment removal at this point I'm ready to cancel my membership as a whole

  Business response

  02/17/2022

  Consumer Response /* (2000, 8, 2022/02/04) */ ******************************** External Inbox Vickey V************************************ 8:09 AM (41 minutes ago) to ********* Space coast credit union mailed me a resolution that I am satisfied with you can close out the complaint please thank you

• Initial Complaint

  12/15/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  SCCU couldn't wait for a single mother's child support payments to resume so the account could be replenished, instead they closed my account and said I would have to go to FLORIDA to pay my remaining balance. As I have no plan or desire to ever return to Florida, this will no doubt end up as a negative mark on my credit report. This negative balance is due in large part to deceptive and irresponsible overdraft procedures, but that is being addressed separately as part of a class action lawsuit.

  Business response

  02/01/2022

  Business Response /* (1000, 8, 2022/01/13) */ SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on December 15, 2021. We have thoroughly reviewed the matter and SCCU's Credit Solutions Manager addressed it directly with the consumer on December 28, 2021, by way of a mailed letter. In the interest of protecting the consumer's confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed. We appreciate your bringing this issue to our attention.

*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. ↩