ComplaintsforU of I Community Credit Union

• Initial Complaint

  05/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  see Attached document

  Close this account immediately and refund the total amount of overpayment including the fraudulent late charge debit. This is ridiculous. This truck loan was paid in full months ago, AND YOU KNOW IT. I have repeatedly corresponded with you in writing and by phone instructing you to close this account, refund the overpayment, and send the truck title.
  
  Enclosed are some of the copies of this correspondence.
  
  My husband spent a frustrating day trying to contact you regarding this issue by phone, only to encounter IA virtual chat obstacles, and when finally in touch with a live person, he was treated with rudeness and told there was nothing that could be done except send a request in writing. AGAIN- I am submitting this request in writing. How dare you charge me a late fee for a loan that has been paid in full and deduct it from an overpayment credit in this account that was supposed to have been dosed.

  

  Business response

  05/30/2024

  Good afternoon,

  The credit union's response to this complaint is attached.

  Please allow this letter to serve as our official response to the complaint filed by ****** ********
  
  The vehicle loan was paid off in October of 2023. The credit union attempted 5 times to secure the
  title to this loan from the dealership and was unsuccessful. As such, the member was mailed a lien
  release 4 days after the loan was paid. The member should take this release to the DMV as they can
  likely assist her in receiving the title. The member did correspond with the credit union and several
  attempts were made to reach back out to the member. Voicemails containing contact information
  were left but no return calls were received.
  
  The $25 payment shown in the statement was not made to the vehicle loan. That payment was made
  to the member’s credit card. This credit card does have a balance and can be closed when the balance
  is fully paid.
  
  We welcome an opportunity to discuss these items with Ms ******* and will attempt to contact her
  to clarify her account concerns.

  Customer response

  06/12/2024

   I am rejecting this response because:
  
  Please see attached documents.

  Thank you for your correspondence I received this week with the enclosed response from the credit union.
  
  My comments re: their response are as follows:
  
  The credit union's response is unsatisfactory.
  
  The issue has I have explained multiple times to them in writing and in phone calls which were made by my husband followed by complete exasperation. This is issue is simple-it is regarding their refusal to pay back the money I overpaid by sending an additional payment beyond the payoff date.
  
  ·The enclosed response once again attempts to deflect the repayment request once again by indicating they could not retrieve the title from the auto dealer. NOT OUR PROBLEM.
  
  At our own cost and time, we have secured the title, because they were negligent in doing so. We are asking for the money we overpaid to be reimbursed immediately. This is not the complicated diversion they are continuing to represent.
  
  There have been NO calls to either myself or my husband. If there were calls, no voicemail messages we left! And why have they delayed repaying me by claiming they are making calls? FOR WHAT? I have nothing pleasant to say to them, and my work day and time are valuable. They need to just repay me and stop withholding the money I am owed!!
  
  The bizarre unauthorized application of $25 to the **** card supposedly from the credit remaining in the auto loan account is even more unexplainable and fraudulent.
  
  Please do whatever you can to rescue the money from the auto loan account and hold these wrongdoers accountable.

  

  Business response

  06/21/2024

  The credit union's response to this complaint is attached.

  ***** *****

  Please allow this letter to serve as our official response to the follow- up complaint filed by ****** ********
  
  The credit union shows no additional payment received for the vehicle loan paid off in October of 2023.
  A payment of $451.68 was received on October 2, 2023. The loan then showed a balance of $2.05.
  Assuming the member intended to pay off the loan with that payment, the credit union took care of this
  amount so that the loan was fully paid. There was no overpayment.
  
  On April 2, 2018, the credit union was informed that ******* (the dealership) issued the title to the
  ********. They were instructed to take it to the DMV. Documentation from the ******* Department of
  Highway Safety and Motor Vehicles shows that a paper title was issued on November 9, 2017 (screenshot
  attached). It was also noted that ******* attempted to reach the ******** and had attempted to reach the
  ******* DMW to assist in the retrieval of the title. As lienholders, the credit union attempted to secure this
  title with assistance from the dealership. The credit union also attempted to seek the help of the members
  by sending them missing title letters. Attempts to reach the member by the dealership and credit union
  were unsuccessful. Once the loan was paid off, the ******** were mailed a lien release on October 6,
  2023.
  
  The credit union has record of several attempts to reach the members regarding their correspondence with
  the credit union: November 21, 2023 at 3:13 PM, November 22, 2023 and 3:34 PM, and May 2, 2024 at
  3:13 PM.
  
  The referenced $25 to the **** card was transferred from the savings account and placed on the member’s
  **** due to delinquency. Our credit card servicing company tried to reach out to the member on both
  March 26 and March 27 regarding this amount. The funds were offset to the loan on March 28. This
  offset was not related to the automobile loan.
  

• Initial Complaint

  01/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  see attached n exasperating efforts to credit my visa account for a disputer charge for a disputed charge described below, I am disgusted with your complete lack of customer support in helping to resolve fraudulent activity to this credit card. We have made several attempts to contact the online to request cancellation and receipt has not been successful- as it appears this offender is not available by phone!! Please send us the contact information for the fraudulent charge of $129.96, if your records have any accurate contact information. Enclosed is the most recent bill showing new balance for $575.117 for what??? Please send an itemized explanation for this bill and the information re: the fraudulent charge we have tried to resolve. Copied in this latest correspondence is the FL Better Business Bureau, who actually DOES represent consumers fairly! Below is the correspondence sent in NOV. Date: 11/20/2023 Last month my husband **** ******* attempted to speak to a Medicare representative- and while on hold, a person-likely a sales person tried to convince him to purchase this med-alert and monthly plan. He repeatedly told her he did not want it, and continued to ask to be transferred to the Medicare representative he needed to contact. She then said she would send the device, and if he called right away to cancel the credit card number, he would get this thing free of charge. Out of frustration, he agreed to provide his card number with clear instructions that he did not want this device. He immediately called back and spoke to someone about this pressure selling and asked to cancel this order. Of course, the amount indicated in the enclosed letter $129.96 was indeed charged to our credit card account. NO RECEIPT, or invoice was provided. We do not have this device-as it was supposedly cancelled. We are disputing this charge as fraudulent activity and would like this amount credited immediately to the account.

  

  Business response

  01/19/2024

  Please see the attached response to this complaint.

  Please allow this letter to serve as our official response to the complaint filed by *** and ****
  *******.
  A summary of the recent referenced statement charges are as follows:
  
  • **** for ******* $11.99
  • **** for ********* $8.99
  • **** for ****** $10.99
  • ******** $20.00
  • The **** Channel $4.99
  Total purchases of $56.96
  
  *Interest Charge on Purchases $8.37
  
  The full balance of $575.71 goes back to purchases that started on September 19th. The card had a $0
  balance as of the statement issued on September 12th. The Oct 13th statement shows $508.62 in purchases
  and the November 12th statement shows $593.42 in purchases. A $100 payment and a $500 payment were
  posted on those purchases. This is reflected in the account summary at the top of your statement.
  
  UICCU does show a dispute for the $129.96 charge. This dispute started on October 31, 2023, and was
  closed in November due to the criteria not having been met. A dispute does require a receipt or statement
  from the company showing what was agreed upon. As the situation is exceptional in nature and we
  believe the *******’s were not given appropriate documentation, the credit union will be taking care of
  the $129.96 dispute. This should be reflected as a payment on the next statement.
  
  For the purchase you are disputing, we show a phone number of ************ with a description of
  MED ALERT. There are no guarantees that you will be able to reach someone at that number. This is the
  number shown as the merchant description.
  

  Customer response

  02/12/2024

  Please see attached document.

  Thank you - I am very satisfied with your assistance.

• Initial Complaint

  09/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was Trustee/POA for my grandmother which is the only reason I became involved with U of I credit union. Since I started dealing with U of I they have repeadedly made errors eg; reporting incorrect SS number and payment dates to credit bureaus, The acct is set up as joint acct but the credit union has locked the acct when I attempt to talk to someone about the reason I sit on hold for over 20 mins. Most recently Ive tried to pay off the balance on the credit card on 2 separate occasions 8/8/23 and 8/28/23 but somehow the credit union cannot seem to finalize the pymnt. letters are sent from a debt collector stating I owe a balance and am going to be charged a late fee. I am and have been attempting to pay off card balance and close this acct. I DO NOT WANT any future transactions with the credit union they are clearly out of line and if this BS continues I will take further action.

  

  Business response

  09/20/2023

  Our response to complaint ******** is attached.

  Please allow this letter to serve as our official response to the complaint filed by ***** ******
  
  The University of Illinois Community Credit Union is working directly with Mr. ***** to
  resolve the problems stated in the complaint. The communication began with Mr. ***** on
  September 14th and is currently ongoing.
  

  
  

  Customer response

  09/20/2023

   I am rejecting this response because: The response is partially correct they have reached out to me. Unfortunately after they talked with me and stated they were going to look into the matter. The next day I received a call from their collections dept claiming I owe them money. I don't know what else I can do Ive tried to pay off the card balance in full 3 times now but the shenanigans continue. I really don't understand why something so simple has turned into this its ridiculous. 
  
  
  

  

  Business response

  10/02/2023

  The credit union's response to the rejection is attached.

  Please allow this letter to serve as our official response to the rejection received by Mr.
  *****.
  
  The University of Illinois Community Credit Union is still working directly with Mr. ***** to
  resolve the problems stated in the original complaint. The communication began with Mr.
  ***** on September 14th and is currently ongoing. The credit union has removed this
  account from collection activity as we await a check placed in the mail from Mr. *****. The
  check will immediately be posted to the account upon receipt and the account will be closed
  per the member’s request.

   

• Initial Complaint

  07/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Credit union will not cancel a credit card that I never activated. I just want it to be canceled. Account ******* ** **** **** **** **** (never activated). Terminate my account please!!!!!

  

  Business response

  07/27/2023

  Mr. ********* credit card was closed per his request on July 11, 2023. 

• Initial Complaint

  07/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a notice that I have a collection from U OF I COMM on my credit report. It says it was opened on 7/18/2022 for $3,816 with account number starting in ********** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA. I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  

  Business response

  07/28/2023

  To Whom It May Concern:   Please allow this letter to serve as our official response to the complaint filed by ******* ****.  The University of Illinois Community Credit Union opened a car loan for ******* **** on July 18, 2022. This loan was issued in conjunction with ********* **** *********** in Tilton, IL. On August 26, 2022, a conversation was held with Ms. **** regarding her loan payment. Notes indicate that “she was due on 8/23 but her check was short this pay period and she is wanting to know” if it is possible to make a $100 payment on that day and then pay the remaining balance of her monthly payment on September 10. The first payment on the loan was not made until October 28.  Four more payments came in before the end of the year but were returned NSF.   It has been documented that the credit union spoke with Ms. **** a total of nine times between August of 2022 and February of 2023. Correspondence was both by phone and email. Each time she acknowledged that she owed the balance. The vehicle was eventually ordered for repossession in November of 2022. The vehicle was sold during the repossession process, leaving the complaint’s referenced balance. The credit union does have loan documentation that includes the complainant’s signature.  It is our position that Ms. **** is aware of the loan and that she is responsible for the charged off balance with the U of I Community Credit Union. Sincerely,  U of I Community Credit Union 

• Initial Complaint

  01/08/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My debit card was compromised and the Credit Union was supposed to send me another debit card. It has now been 10 days and I have still not received my debit card. I have called multiple times and they have had every excuse as to why I have not received my debit card but they still will not give me my debit card.

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