ComplaintsforDelta Community Credit Union

• Initial Complaint

  05/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I filed a complaint against an overseas merchant who never shipped the items I paid for. I provided emails of them saying they would refund me and they never did to my bank and I resent the info for the bank to keep the case open and the bank closed it the same day. The merchant didnt provide any proof of delivery or anything.

  

  Business response

  05/10/2024

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ************ to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve any concern in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon reviewing Ms. ***** comments, our Manager of **** Services researched the issues noted in the complaint and subsequently spoke with ************ to address her concerns as well as attempted to clarify any potential misunderstanding related to the dispute in question. ************ appeared to appreciate our phone call and clarification on the matter, as the provisional credit will remain permanent.
  
  We value Ms. ***** business and appreciate the opportunity to address her concerns. Unless noted to the contrary, we consider this complaint closed.
  
  Sincerely,
  
  Delta Community 

• Initial Complaint

  04/18/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Details:In October 2023 two payments were made to DCU both in the amount of $1,341.26. On 11/16/2023 payment was made to DCU $1,341.26. On 12/16/2023 I paid DCU $1,341.26. On 1/16/2024 I paid DCU $1,341.26. On 2/16/2024 and 3/14/2024 and 4/16/2024 I paid DCU ********. DCU changed monthly payment to a higher payment before my homeowner's insurance was to renew in February 2024. My homeowner's insurance decreased but DCU did not reflect the decrease and when I made monthly payments DCU began placing payments in a savings account in lieu of P&I monthly payments so they could hold on to the money. I contacted the bank and spoke to several people including a ***** who acted as if she had no knowledge of the incident and continued switching me back and forward to escrow. ****** claimed there was a shortage and no one from this bank could accurately show an escrow shortage without the fraud activity of moving monthly payments to a savings account that I have never used in leu of P&I. On March 1, 2024 I paid $720.72 for some escrow shortage that never made its way to escrow. And again on 2/13th I paid $121.59 and $428.79 for what I was told was escrow shortage and these payments did not make it to escrow shortage. Delta Credit Union Mortgage will soon go under for fraud.

  

  Business response

  04/25/2024

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve any concern in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon reviewing **************** comments, ***************************, AVP of Residential Lending, researched the issues noted in the complaint and subsequently attempted to speak with ************* to address her concerns as well as clarify any potential misunderstanding related to her mortgage payment. Please know that the payment in question increased mainly because of county property taxes and insurance premiums.
  
  We appreciate the opportunity to address **************** concerns and hope to speak with her soon to further address this matter. If ************** has any additional questions or concerns, she can reach **** directly at ************.
  
  Sincerely,
  Delta Community 

• Initial Complaint

  04/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On April 5th I received a check for payment of a puppy someone was interested in. When I went to deposit the check I asked the teller how long it would take for the check to clear. They let me know it cleared so the funds were available in my account. I have attached some snips of the text messages Ive had with the party responsible of the check letting me know April 6th they werent able to pick up the puppy due to an accident and to return everything. On April 9th I received a message from the bank the check came back and was reversed. Ive been in contact with the bank since trying to report fraud. They all have let me know they arent liable and this is not considered fraud. I would like to dispute other wise. If I wouldve been told the check was hard cleared and that does not mean it meant it was cleared I wouldve waited and this mess wouldnt have happened. The bank is liable to get the funds back from fifth third banks customer who has all the money returned to them. Not me. Delta needs to work with the other bank to get all the money back since it was their mistake. Why would they clear a check without informing a customer that it does not mean its actually there. Makes no sense at all. I have exhausted all of the possible resources with the bank but getting no where. Each day that passes makes it harder for me. I have a 2 year old with autism, I dont work 40 hours since I need to take him to 3 different therapies every week. I dont understand why they arent willing to help out their Delta customer and hold the right person liable, they have all the information.

  

  Business response

  04/15/2024

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by **************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve any concern in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon reviewing Ms. ******* comments, *****************, SVP of Branch Delivery and Operations, researched the issues noted in the complaint and subsequently spoke with **************** to address her concerns as well as attempted to clarify any potential misunderstanding.Please know that we are actively working on a resolution with **************** and apologize for any confusion she experienced at our branch while depositing the check in question.
  
  We appreciate the opportunity to address Ms. ******* concerns. If **************** has any additional questions or concerns, she can reach *** directly at ************.Unless noted to the contrary, we consider this complaint closed.
  
  Sincerely,
  
  Delta Community
  

  Customer response

  04/15/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and ***************** was very empathetic and helped me with my issue.

  Thank you for refunding me the money. 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  04/07/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My account was charged $2,500. I did not authorize the charge. Before it went through my bank texted me to ask if it was fraud. I texted back yes for it being fraud but they still allowed it to go through. I made a complaint. The scammer made fake paperwork claiming I approved of the charge which I did not. It is fraud and they need to give me my money back.

  

  Business response

  04/12/2024

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by **************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve any concern in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon reviewing ****************** comments, *****************************, VP of Card and ******* Services, researched the issues noted in the complaint and subsequently spoke with **************** to address her concerns as well as attempted to clarify any potential misunderstanding.We shared that the **** credit card transaction in question is not considered fraud since she had a previous payment relationship and contract directly with the merchant.
  
  We also explained that her dispute is subject to ****s review and arbitration process that card issuers and merchants must follow to participate in the network.Based on information provided by the merchant to ****, **** found that the charge was authorized and valid. Unfortunately, Delta Community has no other recourse to recover the funds. Although we empathize with **************** and understand her frustration, this matter will need to be handled directly with the merchant.
  
  We appreciate the opportunity to address ****************** concerns. If **************** has any additional questions or concerns, she can reach ******** directly at ************.Unless noted to the contrary, we consider this complaint closed.
  
  Sincerely,

  Delta Community

  
  

• Initial Complaint

  04/01/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  ACH DEPOSIT FOR WORK DCC HAD REFUSED TO DEPOSIT!!

  

  Business response

  04/02/2024

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by **************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve any concern in a way that both considers the individuals needs and the interests of our broader membership.
  

  Upon reviewing Ms. ******* comments, *****************, SVP of Branch Delivery and Operations, researched the issues noted in the complaint and subsequently spoke with **************** to address her concerns as well as attempted to clarify any potential misunderstanding. The two deposits in question were credited to Ms. ******* account this morning in accordance with the settlement date of April 2, 2024 that the payor stipulated when transmitting the funds through the Automated Clearing House (ACH) network. In adherence to standard practice, Delta Community showed the transactions as pending once they were entered into ACH and posted the deposits once the dollars were received on the settlement date.
  

  We appreciate the opportunity to address Ms. ******* concerns. If **************** has any additional questions or concerns, she can reach *** directly at ************. Unless noted to the contrary, we consider this complaint closed.
  

  Sincerely,
  Delta Community 

• Initial Complaint

  02/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Unauthorized bank account was opened under my name.I accesed Delta website to check refinancing options but never applied to anything, then I started getting letters of an account open with ********************** under my name and a monthly 5 dollar fee. Not authorized, never applied.

  

  Business response

  02/20/2024

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ****************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve any concern in a way that both considers the individuals needs and the interests of our broader membership.
  

  Upon receiving ******************** comments, *****************, SVP of Branch Delivery and Operations, researched the issues noted in the complaint and subsequently spoke with ****************** to address his concerns as well as clarify any potential misunderstanding. *** explained to ****************** that when he originally applied for the auto loan in November 2023, a savings account was also opened as part of the standard membership application process. Please know that this is part of the membership component for credit unions and common practice in our industry. However, per ******************** request, we have closed his membership with Delta Community.
  

  We appreciate the opportunity to address ******************** concerns.If ****************** has any additional questions, he can reach *** directly at ************.
  

  Sincerely,
  Delta Community 

  Customer response

  02/20/2024

  I never clicked APPLY or SEND, the form was simply filled and no OK APPLY or SEND button was ever clicked, I closed the page after filling the information without clicking.

  They said on the call the account is going to be closed so I'm waiting for a confirmation letter from them to be 100% sure it's been properly addressed and closed.

  thank you BBB
  

   

• Initial Complaint

  02/14/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I contacted Delta Credit Union on 01/29/2024 concern a charge for an item I didnt receive. I sent in a police report from ***************, email from the merchant and proof of the one item received returned back to the merchant. With all this information my claim still hasnt be resolved. I dont know why it taking so long so get my money back from the merchant or give me and response. I was advised the claim you take 10 days however 10 days has passed. My money in the bank is FDIC which isnt true with this company. I never had a dispute take this long. They didnt even offer a provision credit while this investigation take place. Its proof that I didnt receive my item that I paid for yet the merchant or Afterpay wanted to assist with giving me my money or replacement. The took my money and that is fraud. They dont have any proof of delivery beside a picture to a porch thats not proof! Proof is an actual signature or placing it directly in a person Possession. I have done everything everyone has asked of me been working with the police now I need the bank to step in and assist with all the information I provided with getting my money back!

  

  Business response

  02/16/2024

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ******************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve any concern in a way that both considers the individuals needs and the interests of our broader membership.
  

  Upon receiving ********************** comments, *****************, SVP of Branch Delivery and Operations, researched the issues noted in the complaint and subsequently spoke with ******************** to address her concerns. Please know that we are currently working with ******************** and **** on the disputes in question. As a courtesy to ********************, we have provided her with provisional credit while the cases are under review by ****. Provisional credits are generally extended only in cases of fraud, while merchant disputes on authorized transactions are subject to settlement by **** in accordance with the network rules that it requires card issuers and merchants to follow. 
  

  We value ********************** business and appreciate the opportunity to address this matter. If ******************** has any additional questions related to her disputes, she can reach *** directly at ************.
  

  Sincerely,
  Delta Community 

• Initial Complaint

  01/02/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  The business is false advertisement to get customers to open up new accounts saying if you open a new account they will give 300 dollars for opening the account

  

  Business response

  01/03/2024

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve any concern in a way that both considers the individuals needs and the interests of our broader membership.
  

  Upon receiving **************** comments, the Credit Unions Marketing team researched the issues noted in the complaint and discovered that the promotion code was not applied to his account when the membership was first opened. However, we have since been in contact with ************** and credited his account for the promotion.
  

  We appreciate the opportunity to address **************** concerns and value his business. Unless noted to the contrary, we consider this matter closed.
  

  Sincerely,
  Delta Community 

• Initial Complaint

  12/28/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was approached by a woman that after some time passed, she stated she wanted to retrieve the spoils of war and that she was working in the military so I helped her. I sent the money to her to multiple accounts thinking I am helping, and one of the accounts was the Delta Community Credit Union. The money I lost in total was ****** USD. I would like for them to investigate the account that received the funds and to compensate me for the fact that they allowed the scammers to work under their noses and launder the money without the bank actually intervening. Or if there is money in the mentioned accounts I would ask for the freezing of the account and withdrawal of the funds to me directly.

  

  Business response

  01/02/2024

  Dear Better Business Bureau,
  
  We appreciate the opportunity to respond to the complaint submitted by ******************** to the Better Business Bureau (BBB). Please know that we are always committed to providing timely, conscientious service and do our best to resolve any concern in a way that both considers the individuals needs and the interests of our broader membership.
  
  It is worthwhile to note that ******************** is not a member of Delta Community Credit Union and has no direct service relationship with uspast or present. As we do with any complaint related to Delta Communitys services routed through the BBB, we gave close attention to Mr. ********* concerns and are fully researching all issues. Mr. ********* complaint centers around a wire transfer that he personally authorized from an account he holds at *********** to an individual who held an account at ********************************************* and whom he admittedly did not know well. We understand Mr. ********* assertion that he was fraudulently induced to make a transfer and empathize with his loss.    
  
  Based on Mr. ********* claims that Delta Community bears liability and stated intention to pursue further recourse, his complaint along with the demand letter that he uploaded to the BBB website have been directed to Delta Communitys *************************** ******************** can expect to receive a written response to his claims from our **************** within the coming weeks.
  
  As a matter of policy, we do not disclose details on active legal matters. Given the nature of this complaint and the action plan that we have committed to above, we believe that we have addressed this BBB filing to the full extent possible here.
  
  Sincerely,
  Delta Community
  

• Initial Complaint

  12/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I opened a credit account in 2019 with ********************. Recently, in 2023, the interest rate increased for consecutive months until the rate was at 16%. I contacted Delta and a representative stated that the increase was state-wide and then they stated that my card had a variable rate. I requested my original contract and it was not provided. I was provided information about different rates, but not my original contract. I contacted and spoke with a representative and asked if they were able to keep the interest to a lower rate and I was told, "I should have read the terms of my contract before opening the account." Under 15 U.S.C ****b; A creditor may not treat a payment on a credit card account as late for any purpose. Under the ***** I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. Please provide documentation with dates that notified me and were mailed to the address on the account. ********************************************* has not responded timely to recent disputes that were sent. It has been over 30 days. They have only responded to one dispute and have refused to make changes to credit reporting agencies.

  

  Business response

  01/02/2024

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by **************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve any concern in a way that both considers the individuals needs and the interests of our broader membership.
  

  Upon receiving Ms. ******* comments, ***********************************, VP &Senior ******************* Officer, researched the issues noted in the complaint and subsequently attempted to speak with **************** to address her concerns. However, the phone number that **************** provided to the Better Business Bureau and the number included in the Credit Unions membership records appears to have been disconnected.
  

  Based on our internal review of Ms. ******* concerns, we concluded that the Credit Union adhered to policy, and we continue to report true and accurate information to the credit bureaus. Additionally, our records indicate that **************** was sent the loan disclosures per her request via email on May 17, 2023. We would be more than happy to resend the disclosures to **************** and confirm receipt once we are able to speak with her directly.
  

  We appreciate the opportunity to address Ms. ******* concerns and look forward to speaking with her at her earliest convenience. **************** can reach ******** directly at ************.
  

  Sincerely,
  Delta Community

  
  

  Customer response

  01/02/2024

   
  Complaint: 21062909
  
  I am rejecting this response because: I have not been contacted. Just as I havent been sent the account disclosure information as well as all documents relevant to the account. Please mail to the address listed on account. My concerns had not been addressed, from any Delta representatives when contacted. Notices had not been mailed. 

  
  Sincerely,
  
  ***************************

  Customer response

  01/02/2024

  The company only responded to one dispute that I failed. Disputes were mailed regarding all 3 credit bureaus. Account disclosures and all relevant information has not been mailed. Under the ***** notices regarding negative information or furnishing negative information to a credit reporting agency, consumer must be mailed any adverse actions taking. I have not received any documents relevant to account. This is a violation under the **** and other, and I will seek legal actions.

  

  Business response

  01/03/2024

  Dear Better Business Bureau,
  
  Delta Community appreciates the opportunity to respond to Ms.******* new comments submitted to the Better Business Bureau. Per Ms. ******* request, ***********************************, VP & ************************** Officer, has mailed the requested loan documents and disclosures to the address on file.
  

  Based on a thorough review of Ms. ******* loan agreements and phone calls with our ************** representatives, we find that the variable rate and all terms were properly disclosed and that our reporting on the loan and current status is accurate.
  

  Please know that if **************** is willing to provide a current phone number, we would be more than happy to call and address all of her concerns as well as help clear any potential misunderstanding. **************** is also welcome to call ******** directly at ************.
  

  Sincerely,
  Delta Community 

  Customer response

  01/03/2024

   
  Complaint: 21062909
  
  I am rejecting this response because:
  In what method was the information properly disclosed, were you the representative that provided that information or phone call as you say? Im assuming those phone calls can be provided in arbitration, as well? Recently, what documents has been sent disclosing the account supposedly being negative. As said before, under the ***** Delta is in violation. I will seek legal actions. 
  
  ***************************

*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. ↩