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Complaint Details
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Initial Complaint
12/27/2022
- Complaint Type:
- Billing Issues
- Status:
- Resolved
A debt collector (debt I have been disputing) has bank withholding $1136.51 of my funds for 90 days. I have received no paperwork, court documents or anything. Debt collector and bank unable to provide me with any documentation.
Business response
01/25/2023
Business Response LFCU received an order from the court and a copy was sent to Ms. ****** on December 15. However, it was returned "no such number" and "unable to forward". Once Ms. ****** updates her contact information with the credit union, a copy can be sent to her.Initial Complaint
10/22/2022
- Complaint Type:
- Product Issues
- Status:
- Resolved
About a year ago, I signed a 5-year Auto Loan from ETFCU (Now Liberty FCU). After receiving the check, I requested online access but was told I cannot do it yet and have to come back for it later. On Oct 18 2022, I visit the branch again to try to set up the app, and I find out that I've been getting charged a monthly fee for loan insurance, where they take it out of my payment instead of applying the money to the principle. I have never asked for this and it was not presented to me. My loan officer did not mention/explain this at all. I did not even know this was an option. I am upset that they signed me up for this without consent, or at least without an explanation. To make things worse, their app only shows 6 months of history, so I cannot see how much they took from me for this useless insurance, but I estimate about $500. I would like this unrequested "service" cancelled and a refund provided for the previous charges.Business response
11/08/2022
Business Response LFCU reached out to the consumer regarding the payment protection and his correct address. The payment protection documents that he signed were explained to him. Consumer decided to cancel the products and 90 days of premiums were refunded to the loan balance. LFCU believes this matter has been resolved.Initial Complaint
09/03/2022
- Complaint Type:
- Product Issues
- Status:
- Resolved
I have a new refinance loan with this company and they are taking money from me for insurance I have proven I don't need many many times. This has gone on for over three month. I've called I've emailed, I've been told over and over that it will be changed and refunded but it just keeps being sten from me. I cannot get anyone to actually help me or fix this problem. It's hundreds of dollars and continues to happen . I've tried everything humanly possible for three months to resolve the issue. I'm in a different state so actually going to the credit union Is the only thing I haven't done.Business response
09/16/2022
Business Response Contact Name and Title: ***** ****** SVP/CRO Contact Phone: XXX-XXX-XXXX Contact Email: *******@libertyfcu.org All forced-placed insurance previously added to the consumer's loan was refunded to the the consumer's loan on 9/9/2022. Consumer Response (The consumer indicated he/she ACCEPTED the response from the business.)Initial Complaint
06/30/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
**** ******* **** ****** *** Apt * ********** KY XXXXX DOB: X-X-XXXX Last 4 of social: **** To whom it may concern, A few weeks ago, I checked my credit and noticed that your company has a hard inquiry on my credit file, I have not given your company permission to run my credit, I would like to know why your company used my personal information and furthermore how did you receive my personal information if I did not give it to you? I am demanding that your company remove this, inaccurate hard inquiry from my credit file. The credit reporting agency "Equifax" faced a gobal security breach, resulting in millions of consumers personal information exposed. As a result of this, I am a victim of identity theft. Under the Fair Debt Collection Protection Act, I have the right to bring this information forth to a judge in my area to file suit against your company for reporting this false information to my Transunion, Equifax, and Experian credit reports. I need you to provide legal proof that I have the right to do business with you, what bounds me to you? What kind of business dealings have I done with you? My lawyer has advised me to contact the FTC as well as the CFPB which I have done so. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete and relevant information has not been omitted.Business response
07/18/2022
Business Response Contact Name and Title: ***** ******, SVP CRO Contact Phone: XXXXXXXXXX ext **** Contact Email: *******@etfcu.org ETFCU spoke with the consumer on 7/1/2022, and consumer agreed he had applied for credit at ETFCU in June 2022 and was apprised of the decision. He said he intended to "clean up other inquiries made by other financial institutions earlier in the year." ETFCU believes this matter has been resolved.Initial Complaint
06/06/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
We have a loan with the "Evansville credit union. I have made several attempts to address the lien. I have spoken with several customer service representatives who have REFUSED several times to let me speak with a supervisor and has laughed on the call while expressing frustration with the lack of support and the willful abuse of getting any answers. I have simply wanted to get information regarding my loan and the loan details. It has been a tremendous difficult time with speaking with the entry level and when requested to speak with someone else who doesn't yell and belittle the customer i have been told twice i will not speak with anyone else and no supervisor will return the call as they only listen to voicemails and if the matter is. An importance to them. Trying to speak with someone to address the conversation with the company correspondents have been severally detrimental and i have run into dead ends. By the way the representatives have spoken to me on the phone like our the paying customers who have built the company was nothing more than trash after being told numerous times the company did not have a complaint department. I only write this as a last resort to get any help i can as they have been the rudest company i have ever spoken with and with the way the treat people on the phone as they don't matter. If this is truly have the company operates someone needs to be aware and hold them accountable.Business response
06/20/2022
Business Response ETFCU communicated directly with the consumer and believes this matter has been resolved.Initial Complaint
05/12/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
This company made a hard enquiry on my credit report without my consent and I want it taken off. I had completed a form inside my credit karma app thinking it was a simulation page on whether I qualified for auto refinancing. However, I was shocked a few weeks later when I started getting letters from different companies about an application I had made requesting for auto loan refinancing. I am using this medium to reemphasize that at no time did I apply for loans in any shape or form through Next Gen. I was only curious, thinking it was a simulation form to determine if I qualified and was only hoping to see the rates, in other to be able to compare with my current APR to give me an idea of how much progress I have made in my attempt to dutifully pay back my auto loan and nothing more. Please I insist this enquiry be taken off my credit report. Thanks and regards ********* ********.Business response
05/27/2022
Business Response Contact Name and Title: ***** ****** SVP/CRO Contact Phone: XXX-XXX-XXXX ext**** Contact Email: *******@etfcu.org ETFCU records indicate ********* ******** submitted an application authorizing ETFCU to pull credit. ETFCU apologizes for any confusion and, as a courtesy, requested the inquiry be removed from the credit report. Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.) Like I had explained earlier it was the company NextGen that asked me to complete a form to simulate if I qualified for auto refinance and I only completed the form out of curiosity not knowing they had gone shopping for auto refinance on my behalf. When I found out I called both NextGen and Evansville Teachers Union and they treated shabbily without listening to my complaint or reasoning. I want them to take out that enquirer or I might be forced to take legal action. I do not need anyone to submit any application on my behalf. I am learned and capable of applying for whatever I want without the help of anyone. Business Response On May 27, ETFCU did as the consumer requested and asked the credit bureau to remove the inquiry(credit pull) from the consumer's credit record. The consumer **** have to follow up with the credit bureau to determine that the inquiry was removed. Consumer Response (The consumer indicated he/she ACCEPTED the response from the business.) As long as the enquiry is removed I have no further issues. Thank you. Consumer Response Good day. This is just to inform that in spite of the last conversation and agreement by the Evansville Teachers' Credit Union to remove the unauthorized enquiry they made on my credit report, I find up till now they have not taken it out. To make matters worse, I had contacted the credit union to register my complaint and to notify them on the need to honor their side of the bargain, but the representative who spoke to me feigned ignorance and said there was no notification to that effect. To this end I might be constrained to seek legal redress as I have waited patiently for almost 3 months for them to make good their promos. Thanks and regards ********* * ********. Business Response I apologize for the confusion. ETFCU cannot remove the inquiry, but did send an electronic file to Transunion requesting the removal of the inquiry. ETFCU will send another request. If you have further questions or concerns, please contact me directly.Initial Complaint
04/03/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I was looking online about interest rates to purchase a car and the website said it would not do a credit check and they did. I did not provide my social security number. NOt only did they run a credit check but they did it twiceBusiness response
05/09/2022
Business Response ETFCU provided the consumer with the detail regarding his Credit Pull Authorization and authorization to send information to third parties for consideration. ETFCU is still working to further resolve the matter. An update will be provided as soon as additional information is available from ETFCU's third party vendor.Initial Complaint
03/15/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I had an auto loan. My insurance co. paid loan amount off after it was considered totaled in the amount of $22,283.76 on 10-27-21. The insurance adjuster received 10 day guarantee of $22,283.76 on 10-1-21, and faxed a letter to them same day. I am unsure why payment took until the 27th to arrive from ins company? The regular payment was due on the 12th. I assumed the ins co paid the loan off, receiving no correspondence on the loan until 1-12-22. A representative then called me, notifying me that I owed $87.58 as of 12-12-21. The bank could not tell me what this amount was for. I explained to the representative that the ins co paid loan off back in Oct. and that I had heard nothing from them about this loan. That's when they informed me that if I did not pay the amount, it would be sent to collections. So, I reluctantly paid the amount, over the phone that same day. Only to find out that my credit took a hard hit due to remarks made by EFTCU to the credit bureaus!! I have called this bank numerous times trying to get them to send me an itemized statement of charges and a statement stating that the loan is paid in full! To this day, I have not received anything in the mail showing the loan is paid in full. They would not tell me what the remaining charges were for after ins sent check? They would not tell me the remarks they sent to credit bureaus? Also, I have not received anything showing proof that the loan is paid in full, after being threatened with collections. Statement below came 1 day after paying over the phone 1-13-22Business response
04/08/2022
Business Response Mailed letter to member on March 18 stating late fees were refunded and no negative reporting was ever made to the credit bureau.Initial Complaint
01/21/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
My account has been continuously overdrawn. And the amount I have paid in fees is down right ridiculous. I can't get back on track with the amount of money they have taken from me. I am about ready to close this account and go somewhere else. 20 transactions overdrawn in less than a month. That's not counting the number of times that it happened last month or the month before.Business response
02/18/2022
Business Response ETFCU communicated with Mr. ***** and believes the matter has been resolved.Initial Complaint
08/05/2021
- Complaint Type:
- Order Issues
- Status:
- Answered
After our car was totaled our gap insurance did not cover a final portion of our loan. We never missed a payment, stayed in continued communication with creditors, and were under the impression that our account was in good standing. I was pregnant at the time and discussed our situation and the creditors agreed to write off the remaining interest of $444 , I promptly made the final payment and requested some form of proof that NEVER sent to me. I noticed that $444 was still showing and contacted the company immediately and was told it would be resolved within days , it wasn't. 3 months later when they reported our account derogatory and later, written off as a lost cause. My husband's credit has taken a huge hit , a minor nite was created but it continues to show that we didn't pay instead of being actually cleared and his credit has been completely ruined. We cannot buy a house and we will have trouble renting. It's going to take years to recover from this.Business response
09/27/2021
Business Response Contact Name and Title: ***** ****** SVP CRO Contact Phone: XXXXXXXXXX ext **** Contact Email: *******@etfcu.org ETFCU responded to several disputes filed through the credit bureau dispute system and contacted the member directly after receiving the complaint. The member told ETFCU they were satisfied; therefore, ETFCU believes the matter has been resolved. No further information is being shared to protect the member's confidential information. Please let us know if there are further questions and/or concerns. Thank you.
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Get a QuoteCustomer Complaints Summary
21 total complaints in the last 3 years.
8 complaints closed in the last 12 months.