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Complaint Details
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Initial Complaint
01/31/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
On 11/14/2016 I purchased a 2017 Jeep Cherokee from Hawk Auto instead of going through the dealership for financing I used my Corporate America Family Credit Union. When purchasing the vehicle they asked would we like to add an extended warranty which I agree and paid for it in advance. However we are finding out now we have no coverage because it expired 11/2023. My complaint is that the purpose of buying an extended warranty is for after your current warranty expires. Who needs two warranties on a brand new vehicle when you have bumper to bumper coverage at time of purchase. This is why it's called EXTENDED warranty. The vehicle only has ****** miles the warrant should have been for 7ys or until ******* miles. Companies should advise customers of this in advance because if this was the case I could have waited until the dealership warranty expired and purchased an extended warranty from them. Why have someone pay for something they do not need.
Business response
02/23/2024
Dear Better Business Bureau,
This letter is in response to complaint ID ********, from *****************************, regarding Corporate America Family Credit Unions (CAFCU) extended warranty.
***************************** purchased an extended warranty contract on 11/14/16 for $2,279. The terms of the contract are listed as starting on the purchase date and ending within either 84 months from the date purchased or an additional ******* miles are reached on the vehicle. Unfortunately, since this warranty period expired last year, we are not able to issue a refund.Customer response
02/23/2024
Complaint: 21226169
I am rejecting this response because:The warranty should have started once the factory warranty expired. There is no reason to have two warranties on a brand new vehicle that has a bumper to bumper warranty. The warranty company themselves also told me the warranty should have started one it ended.
Sincerely,
*****************************Business response
03/06/2024
This warranty was purchased and held during the term outlined in the agreement. The term has ended, no refunds will be given.Initial Complaint
11/08/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to address my concerns regarding the sharing of my nonpublic information with credit bureaus, which has resulted in inaccuracies on my credit report. These inaccuracies have caused me significant financial and emotional distress, in apparent violation of the Fair Credit Reporting Act.I am aware of 15 USC **** Section 602, which grants me the right to privacy concerning my financial information. Under 15 USC **** Section 604 A Section 2, a consumer reporting agency cannot furnish account information without my written instructions. It appears that my nonpublic information has been shared without my explicit consent.Furthermore, 15 USC **** B prohibits creditors from treating any payment on a credit card account as late for any purpose. Inaccuracies in my payment history have negatively affected my credit standing, leading to additional financial and emotional burdens.I kindly request a thorough investigation into this matter, a correction of the inaccuracies on my credit report, and the cessation of sharing my nonpublic information without my explicit written consent. Please provide a written response outlining the steps you will take to address these issues.Your prompt attention to this matter is appreciated.Business response
11/15/2023
Lenders are not legally required to report to the three credit bureaus but when doing so, the information they provide must be true, accurate and complete information. CAFCU verifies all data submitted to *********** are accurate, complete and reflect the borrowers true transactional history through different layers of verification. The trade line information provided for complaint ID ******* has been verified for accuracy and follows the credit union procedures and rights to report accurate transactional history between the complainant and CAFCU. No inaccuracies have been reported to the credit bureaus.
Sincerely,CAFCU
Initial Complaint
07/11/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Entered by H363137**3238313831H staff LO Consumer states he is a member of the H333234**333230373237H. He purchased a 2013 vehicle through them and was told to send a permission letter via email to skip the payment for ***** He also sent a $**.00 cashiers check but they are saying they did not get it and he can&#**;t skip the payment for ***** They kicked him out of the program. He states he even sent them an image of the check in the same email.Business response
08/11/2023
Response is attachedBusiness response
08/14/2023
Please see the attached response.Customer response
08/15/2023
Complaint: 20303788
I am rejecting this response because: I sent CAFCU the $39.00 cashier check on time, i sent to CAFCU The skip a payment consent form on time, before i mailed it to them, i took a file picture, could the check have been stolen in ***************** Mail? Or worst. This need to be resolved, and CAFCU has destroyed my credit rating, over a **** situation that could have been resolved months ago. I don't except the response from CAFCU.
Sincerely,
Plase *****Customer response
08/15/2023
Complaint: 20303788
I am rejecting this response because: I sent CAFCU the $39.00 cashier check on time, i sent to CAFCU The skip a payment consent form on time, before i mailed it to them, i took a file picture, could the check have been stolen in ***************** Mail? Or worst. This need to be resolved, and CAFCU has destroyed my credit rating, over a **** situation that could have been resolved months ago. I don't except the response from CAFCU.
Sincerely,
Plase *****Business response
10/19/2023
Response attached.Initial Complaint
02/11/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I was previously leasing a 2021 ***** Malibu through corporate America family credit union ******* at extension **** was the person that was working with me the entire time I had the lawn open with them. January 12 of 2023 the vehicle was totaled and I took the necessary steps to get majority of the vehicle paid off through filing a claim with my car insurance. I called daily as well as weekly to get updates on The claim. I spoke with ******* numerous of times regarding this and she told me that a check for $21,000 or a little bit over $21,000 was sent to them I believe she said January 17 or 20th. When I recently spoke to her she explained to me that everything that is done for the month is reported to the credit bureau near the end of each month my $21,000 in some thing check was it will before the end of January meaning she had plenty of time to report the payoff to the credit bureau. Again when I asked her about this she says once they do report to you guys that it takes about two weeks for it to update on someones credit that does not sound right at all now nor did it at the time she told me. I have been out of a vehicle since January 12, 2023 and I have been attempting to get a new vehicle and the reason why I have been unsuccessful is because Miss ******* actually did not report the payoff to the credit bureau at all and this was told to me during a phone call with a car dealerships financial company.Business response
03/07/2023
March 7, 2023
Better Business Bureau of ************************************************************************************************ 60611
Re: Complaint ID ********
Dear Better Business Bureau,
This letter is in response to complaint ID ********, from ***************************, regarding her Corporate America Family Credit Union (CAFCU)loan being reported to the Credit Bureau.
CAFCU regularly sends member loan information to the Credit Bureaus. Unfortunately, it is beyond our control if other businesses are pulling the most updated information. Our records indicate that we conferenced in the dealer and attempted to assist the dealer and ****************.
If there are any further questions, please contact our **************** Department at ************.
Sincerely,
*****************
Vice President ****** *******Initial Complaint
01/31/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this correctly!Business response
02/03/2023
February 3, 2023
Better Business Bureau of ************************************************************************************************ 60611
Re: Complaint ID ********
Dear Better Business Bureau,
This letter is in response to complaint ID ********, from *********************, regarding removing bankruptcy from her credit report.
Corporate America Family Credit Union is required to report factual information to the credit bureaus. After review of Mrs. ****** loan, we can confirm that we are accurately reporting loan 143 as discharged in chapter 7 bankruptcy.
If there are any further questions, please contact our **************** Department at ************.
Sincerely,
*****************
Vice President ****** *******
Cc: *************************Initial Complaint
01/12/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with CORP AM FCU and do not have a contract with any collection agency . They do not provide me with the original application like I asked Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt . If cant proof all 3 delete this account from credit report as soon as possible!n that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt . If cant proof all 3 delete this account from credit report as soon as possible!Business response
02/03/2023
February 3, 2023
Better Business Bureau of ************************************************************************************************ 60611
Re: Complaint ID ********
Dear Better Business Bureau,
This letter is in response to complaint ID ********, from *****************************, regarding his loan 141 with Corporate America Family Credit Union (CAFCU) loan.
Mr. ********* loan originated on 10/21/2016 and had subsequent advances on the loan until 10/19/2021. The loan was charged off on 07/26/22 and sent to ********* for further collections. You may contact them at ************ to make arrangements for any payments. We will mail a copy of the loan contract to Mr.********* last known address.
If there are any further questions, please contact our **************** Department at ************.
Sincerely,
*****************
Vice President ****** *******
Cc: *************************Initial Complaint
12/09/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with CORP AM FCU and do not have a contract with any collection agency . They do not provide me with the original application like I asked Proof of copy of original applicatioI am not liable for this debt with **** Bankruptcy Court and do not have a contract with any collection agency . They do not provide me with the original application like I asked Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt . If cant proof all 3 delete this account from credit report as soon as possible!n that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt . If cant proof all 3 delete this account from credit report as soon as possible!Business response
12/22/2022
Our records indicate the matter was already presented via a credit bureau dispute and the documentation was provided to indicate this is being reported correctly.
Thank you,
Corporate America Family Credit Union
Initial Complaint
08/24/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Corporate America Family Credit Union in *****, ******** agreed to give me a deadline to insure my vehicle by Monday 8/23/2021 .After shopping around for reasonable coverage I finally started an auto insurance policy with Esurance on Sunday 8/22/2021 in which coverage became effective on that date 8/22/2021. A letter of declaration to show proof of auto insurance coverage was issued from Esurance to Corporate America Family Credit Union (*****). I managed to obtain auto insurance prior to the ***** deadline date. On 8/23/2021 ***** added their own auto insurance and informed me that I would have to pay an additional $225.00 a month on top of my monthly car payments for 1 year to cover the cost of insurance they put on the vehicle.Business response
09/16/2021
On 07/05/2021 the first reminder notice was sent regular mail due to the comprehensive deductible and collision deductible exceeding $1,000.00. This was followed by a courtesy call made 07/06/2021. As part of the loan closing process for auto loans, members are provided a separate document with instructions on how to submit proof of vehicle insurance and the necessary requirements, in addition to notices sent if acceptable proof of vehicle insurance is not maintained. On 07/26/2021 the Final Notice was sent regular mail due to the comprehensive deductible and collision deductible exceeding $1,000.00. This as followed up by a courtesy call and email on 07/26/2021.
Both notices requested proof of vehicle insurance with no lapses, CAFCU as lien holder, and that the comprehensive deductible and collision deductible are not greater than $1,000.00. The information on how to provide acceptable proof of vehicle insurance to CAFCU is also listed, along with the premium cost and term if acceptable proof of vehicle insurance wasnt received.
CAFCU didnt receive adequate proof of vehicle insurance and on 08/18/2021 the Placement of Insurance notice was sent regular mail as CAFCU force placed ******************************* (CPI) policy at your expense for $3,753.00 for 06/22/2021 06/22/2021.CAFCU finally received acceptable proof of vehicle insurance by email 08/24/2021. A full refund of $3,753.00 was credited to the loan on 08/31/2021,and the Insurance Cancelation notice was sent regular mail 08/30/2021.
A previous CPI policy continues to be in effect and the loan is past due for 06/11/2021.
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Get a QuoteCustomer Complaints Summary
8 total complaints in the last 3 years.
3 complaints closed in the last 12 months.