ComplaintsforGrow Financial Federal Credit Union

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Initial Complaint
07/16/2024
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 am writing urgently to address inaccuracies on my credit report caused by the disclosure of my personal information to credit bureaus, resulting in significant financial and emotional distress.As stated in 15 USC 1681 Section 602, I have the 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 share account details without my explicit consent, which I have not provided.The discrepancies associated with GROW FINANCIAL FCU have negatively impacted my financial standing and need immediate correction.Compliance with 15 USC 1666(b) is also essential, as it prohibits creditors from treating credit card payments as late under certain conditions.For your reference, my account details are:Account Number: ****************I request a thorough review of my account, prompt correction of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*********************************
Business response
07/18/2024
Dear ************************,
Thank you for your communication on behalf of our member, **********************. Due to the confidential nature of the credit union's member accounts and any activity therein (********************************** Act and 10 CFR 1016),and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond in this forum. However, we have responded to previous disputes with ********************** and consider this matter closed. As a result, we encourage ********************** to call our ********************* at ************** to provide any additional information.The ********************* is open Monday-Friday 7am -7pm and Saturday &Sunday 9am 6pm. Thank you for your time and prompt attention to this matter.

Regards,

Grow Financial Federal Credit Union
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.
To Whom It May ************ letter is a formal complaint that you are reporting to my consumer report fraudulently.In accordance with the Fair Credit Reporting Act, this creditor listed below has violated my rights under 15 USC 1681 Section 602, stating that I have the right to privacy. 15 USC 1681 section 604(a) section 2, states a consumer reporting agency cannot furnish an account with my written instructions. 15 USC 1681b(2) and pursuant to 15 USC 1666b, a creditor may not treat a payment on an account under an open-end consumer credit plan as "late" for any purpose. I demand that all late payments on this account(s) be updated as paid as agreed/never late or removed immediately according to these U.S. Laws, per 15 U.S. Code 1637(b)(2)(a) 15 U.S. Code 1666(b)(2) 15 U.S. Code 44: Account Name: GrowFCU Account Number: *********** In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty (30) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your investigation.
Business response
05/29/2024
Dear ************************,

Thank you for your recent communication on behalf of Mr. ******************** Grow Financial Federal Credit Union appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit union's member accounts and any activity thereon (********************************** Act and 10 CFR 1016), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to ************ allegations in this forum. Grow Financial will contact ********** directly. Thank you for your time and prompt attention to this matter.

Regards,

Grow Financial Federal Credit Union
Customer response
05/31/2024

Complaint: 21764655

I am rejecting this response because:

I made No Late Payments!

Sincerely,
*******************
Business response
06/07/2024
Dear ************************,

Thank you for your communication on behalf of our member, Mr. ******************** Due to the confidential nature of the credit union's member accounts and the fact that all communications on this BBB site may be publicly available, we are unable to respond to ********** in this forum. However, please know that we have corresponded with ********** directly. Thank you for your time and attention to this matter.
Regards,

Grow Financial Federal Credit Union
Customer response
06/11/2024

Complaint: 21764655

I am rejecting this response because:
I havent made any late payments according to my contract.

Sincerely,

*******************
Initial Complaint
05/08/2024
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.
This company is attempting to collect funds from me over fraudulent debts that is legally not mine. They are reporting to the credit bureaus two separate collections in the amount of $2,049.00 that was opened 11/22/2022 (acct: 234394XXXXX) and in the amount of $1,693.00 that was opened on 11/22/2022 (acct: ************. They are also reporting a fraudulent address on my credit file- 1224 ******************************** This is NOT my debt nor have this ever been my address. The two fraudulent accounts are causing a huge impact on my credit score/file. My personal information was stolen around the time the accounts were opened. I have sent over an identify theft report and a police report to the credit bureaus for verification.
Business response
05/16/2024
Dear ************************,

Thank you for your recent communication on behalf of *****************************. Grow Financial Federal Credit Union ("Grow Financial") appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit union's member accounts and any activity thereon (********************************** Act and 10 CFR 1016), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to **************** allegations in this forum. Grow Financial will contact **************** directly. Thank you for your time and prompt attention to this matter.

Regards,
*************************
Grow Financial Federal Credit Union
Customer response
05/17/2024

Complaint: 21663570

I am rejecting this response from Grow Financial FCU. Furthermore, in the business response from Mr. ************************* he stated, "we are unable to respond to **************** allegations in this forum". My name is not ***************' and never addressed myself as such in my initial complaint or the supporting documents. Not only is the company reporting an incorrect address and fraudulent accounts to my file, but I am also being addressed by another consumer's name. PLEASE DELETE AND REMOVE THE FRAUDULENT ADDRESS AS WELL AS THE TWO FRAUDULENT ACCOUNTS FROM MY ********************** FILE IMMEDIATELY.

Sincerely,

*************************
Business response
05/24/2024
Dear ************************,

Thank you for your follow-up communication on behalf of *****************************. I sincerely apologize for the mix-up in my previous communication to ****************.

However, due to the confidential nature of the credit union's member accounts and any activity thereon (********************************** Act and 10 CFR 1016), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to Ms. ******* allegations in this forum. Grow Financial will be responding to **************** directly. Thank you for your time and prompt attention to this matter.

Regards,

*************************
Grow Financial Federal Credit Union
Customer response
05/25/2024

Complaint: 21663570

I am rejecting this response because: THERE IS NO RESOLUTION LISTED.

Sincerely,

*************************
Business response
06/07/2024
Dear ************************,

Thank you for your communication on behalf of our member, *****************************. As we previously stated, due to the confidential nature of the credit union's member accounts and the fact that all communications on this BBB site may be publicly available, we are unable to respond to **************** in this forum. However, please know that we have corresponded directly with **************** regarding her complaint. Thank you for your time and attention to this matter.
Regards,

Grow Financial Federal Credit Union

Customer response
06/17/2024

Complaint: 21663570

I am rejecting this response because there was no resolution.

Sincerely,

*************************
Initial Complaint
05/02/2024
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.
Grow Financial was sent my gap insurance refund check that was supposed to be then sent to me and its been over a month and I have not received it. When I contact them they never have a clue about anything. I have uploaded a picture of the check.
Business response
05/06/2024
Dear ************************,

Thank you for your recent communication on behalf of Ms. ************************ Grow Financial Federal Credit Union ("Grow Financial") appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit union's member accounts and any activity thereon (********************************** Act and 10 CFR 1016), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to **************** allegations in this forum. Grow Financial will contact **************** directly. Thank you for your time and prompt attention to this matter.

Regards,

*************************
Auditor
Grow Financial Federal Credit Union
Initial Complaint
04/26/2024
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 am writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions.Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.Please rectify this matter promptly. My account number is ****************
Business response
04/30/2024
Dear ************************,

Thank you for your recent communication on behalf of *************************************. Grow Financial Federal Credit Union (Grow Financial) appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit unions member accounts and any activity thereon (********************************** Act and 10 CFR 1016), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to Mr. ********** allegations in this forum. We welcome and encourage him to call Grow Financials ************** *************) where his concern may be properly directed; ********************** will need to fully explain his concern to the representative. The Member ************** is open Monday-Friday 7 am - 6 pm, and Saturday 9 am - 1pm. Thank you for your time and prompt attention to this matter.

Regards,
***************************
Legal Analyst III
Grow Financial Federal Credit Union
Initial Complaint
03/25/2024
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 loan with this company has been resolved but they will not close out the account and it is reporting as past due on my credit report. I have called and they act like Im lying. Im still receiving monthly bills even though nothing is owed.
Business response
03/27/2024
Dear ************************,

Thank you for your recent communication on behalf of Ms. ************************ Grow Financial Federal Credit Union ("Grow Financial") appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit union's member accounts and any activity thereon (********************************** Act and 10 CFR 1016), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to ******************** allegations in this forum. Grow Financial will contact **************** directly. Thank you for your time and prompt attention to this matter.

Regards,
*************
Legal Analyst II
Grow Financial Federal Credit Union
Customer response
03/27/2024

Complaint: 21474397

I am rejecting this response because:
I have provided documents that show I owe nothing further. It is unlawful whats happening to my credit because you all are not following through on your part.
Sincerely,

***********************
Business response
04/02/2024
Dear ************************,

Thank you for your recent communication on behalf of ****************. Grow Financial Federal Credit Union ("Grow Financial")appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit union's member accounts and any activity thereon (********************************** Act and 10 CFR 1016), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to ****************** allegations in this forum. Grow Financial will contact **************** directly. Grow has closed its file on this matter. Thank you for your time and prompt attention to this matter.

Regards,
*************
Legal Analyst II
Grow Financial Federal Credit Union
Initial Complaint
03/25/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I had banked with Grow Financial for years while in the military at Macdill AFB. I moved away but kept my account open in case I needed them to get cash as I come to Macdill AFB monthly for military. Before we moved I asked grow what the minimum amount to keep in the account to not pay a fee. The answer was 500. So I kept 500 in the account.I recently received a letter to my home in ****. The letter stated that they were closing my account and turning over the remaining money to the **************** unless I contacted them. I did and they said they would send me a check for the account balance - 150. When I asked where the other money went they said they were charging me a fee every month. I asked why I wasnt notified and they said they tried to my old address in ******* and it was returned to them every month. Grow financial conveniently could not contact me while they were profiting on monthly fees but when required, by the ****************, they magically were able to find my address. I asked to be reimbursed for the full ****************************************************** I was told I would receive a call from someone in management. I have not received a call and got a check for 150not the requested amount.
Business response
03/27/2024
Dear ************************,

Thank you for your recent communication on behalf of Mr. ********************** Grow Financial Federal Credit Union ("Grow Financial") appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit union's member accounts and any activity thereon (********************************** Act and 10 CFR 1016), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to ****************** allegations in this forum. Grow Financial will contact ************** directly. Thank you for your time and prompt attention to this matter.

Regards,
*************
Legal Analyst II
Grow Financial Federal Credit Union
Customer response
04/09/2024

Complaint: 21471079

I am rejecting this response because:
I have not received anything from the company yet. Im happy to resolve the issue with them directly, however, they have not reached out.

Sincerely,

*********************
Business response
04/12/2024
Dear ************************,

Thank you for your communication on behalf of our member, Mr. ********************** As we previously stated we are bound by certain laws and regulations that prohibit us from sharing specific details about Mr. ****** business with the credit union in this public forum. We have been in communication with **************. Grow has closed its file on this matter. Thank you for your time and prompt attention to this matter.
Regards,

*************
Legal Analyst II
Grow Financial Federal Credit Union
Customer response
04/17/2024

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,

*********************
Initial Complaint
03/05/2024
Complaint Type:
Product 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.
on 12/13/23 i went to deposit money at an atm location that was near me which is a grow financial bank address *********************************************************** i do not bank with them but with navy federal we can use there atm to deposit money instead of travel very far to deposit money into the account i put my card in and tried to deposit money atm took ****** dollars of mine started to malfunction and did not give me a receipt or my card back i left about five notes on the door and on the atm advising customers not to use the atm and i left a number, someone from the bank called and told me that i would have to call my bank i than ask for a manager and a corporate office number i finally got a hold of someone at corporate that over sees the atm she advise me that she had spoken with her manager and that they were aware of the problem and that numerous customers had been calling in about the same issue for a period of time and advise me that her manager said unfortunately they couldnt do anything about fixing the atm because they didnt have the money to get a new atm at the moment. my bank did give me my money back after about a month late however i still had bills that didnt get paid that month which was a big inconvenience and put a hardship on me and this seems to keep happening with these atms.
Business response
03/05/2024
Dear ************************,

Thank you for your recent communication on behalf of Ms. ************************ Grow Financial Federal Credit Union ("Grow Financial") appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit union's member accounts and any activity thereon (********************************** Act and 10 CFR 1016), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to ******************** allegations in this forum. Grow Financial will contact **************** directly. Thank you for your time and prompt attention to this matter.

Regards,
*************
Legal Analyst II
Grow Financial Federal Credit Union
Initial Complaint
02/12/2024
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 am writing to express my profound concern about the disclosure of my nonpublic information to credit bureaus and the resulting inaccuracies on my credit report, leading to significant financial and emotional distress.As outlined in 15 USC **** Section 602, I assert my right to financial privacy, expecting the confidential treatment of my information.Moreover, 15 USC **** Section 604(a)(2) underscores that a consumer reporting agency cannot furnish account information without my written instructions, which have not been provided.I have identified discrepancies on my credit report originating from GROW FN FCU, adversely impacting my financial well-being. I urgently request the rectification of these inaccuracies.Lastly, please be reminded of 15 USC 1666(b), preventing creditors from treating payments on a credit card account as late under specific circumstances.For your reference, my account details are as follows:Account Number: **********I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns may lead to legal action. I anticipate your prompt response and resolution.Thank you for your immediate attention to this matter.Sincerely,*************************
Business response
02/13/2024
Dear ************************,

Thank you for your recent communication on behalf of Mr. ****************************************************** (Grow Financial) appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit unions member accounts and any activity thereon (********************************** Act and 10 CFR ****), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to ******************** allegations in this forum. We welcome and encourage him to call Grow Financials ************** *************) where his concern may be properly directed; ****************** will need to fully explain his concern to the representative. The Member ************** is open Monday-Friday 7 am - 6 pm, and Saturday 9 am - 1pm. Thank you for your time and prompt attention to this matter.

Regards,
***************************
Legal Analyst III
Grow Financial Federal Credit Union
Customer response
03/11/2024

Complaint: 21279947

I am rejecting this response because:
I am writing urgently to address the inaccuracies on my credit report stemming from the disclosure of my personal information to credit bureaus. This has caused significant financial and emotional distress. As per 15 USC 1681 Section 602, I affirm my right to financial privacy and expect the confidential handling of my information. Additionally, 15 USC 1681 Section 604(a)(2) prohibits a consumer reporting agency from sharing account details without my explicit consent, which I have not provided. The discrepancies linked to GROW FN FCU have negatively impacted my financial situation, necessitating immediate correction. Furthermore, I stress adherence to 15 USC 1666(b), which prevents creditors from treating credit card payments as late under certain circumstances. Below, you'll find my account details for your reference: Account Number: ********** I urgently request a comprehensive review of my account, swift rectification of credit report inaccuracies, and strict compliance with federal laws governing my information. Failure to promptly address these concerns may result in legal action. Your prompt attention to this matter is appreciated. Sincerely, *************************

Business response
03/11/2024
Dear ************************,

Thank you for your recent communication on behalf of ******************. Grow Financial Federal Credit Union ("Grow Financial")appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit union's member accounts and any activity thereon (********************************** Act and 10 CFR 1016), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to ****************** allegations in this forum. Grow Financial will contact ****************** directly. Grow has closed its file on this matter. Thank you for your time and prompt attention to this matter.

Regards,
*************
Legal Analyst II
Grow Financial Federal Credit Union
Initial Complaint
01/08/2024
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.
I was checking mu bank account today and noticed a pending charge on a credit card I had deactivated. I called Grow Financial to ask why this happened and was told that It was **** who automatically gave the company ********** my new card number for a subscription I did not want to renew. I don't understand why Grow Financial CU would allow a Credit ************ to do this to it's members. I requested to get a new credit card and allow them to put something on my account where no company can renew a subscription without my approval. This should have already been in place. I have been with Grow before it became Grow and feel somewhat attached to Grow. However, I also am a member of Suncoast and never had a problem with them charging something to a deactivated credit card.
Business response
01/09/2024
Dear ************************,

Thank you for your recent communication on behalf of ************************** Grow Financial Federal Credit Union (Grow Financial) appreciates any and all feedback and will take the communication very seriously.

Due to the confidential nature of the credit unions member accounts and any activity thereon (********************************** Act and 10 CFR ****), and the fact that any and all communications on this BBB site may be publicly available, we are unable to respond to ************** allegations in this forum. We welcome and encourage him to call Grow Financials ************** *************) where his concern may be properly directed; ************ will need to fully explain his concern to the representative. The Member ************** is open Monday-Friday 7 am - 6 pm, and Saturday 9 am - 1pm. Thank you for your time and prompt attention to this matter.

Regards,
***************************
Legal Analyst III
Grow Financial Federal Credit Union
Customer response
01/09/2024

Complaint: 21104602

I am rejecting this response because: I feel that my bank should protect it's members from Credit Card companies giving out new Credit card information in order for that company to charge items to my Credit Card without my consent. I understand that there is an agreement between the Credit ************ and some merchants that this kind of action is done, however, as a member of my Grow Financial they should not be in agreement with such policy. When members report situations like this....and I was told that this has been happening a lot to Grow members by a representative of Grow; then Grow should take action to rectify said problem. ********* cease and desist this kind or practice. I have had to get a new credit card which I have not yet received which is inconveniencing me. I have been with Grow Financial even before they became Grow Financial. That's why I haven't moved to another bank altogether. Where is their allegiance to me???

Sincerely,

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

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