ComplaintsforARH Federal Credit Union

• Initial Complaint

  07/05/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I owe for a car loan at the credit union. I called and asked if I could increase my payments by 50.00 to pay the loan off sooner. I explained to them in detail what I wanted. They faxed me a form to fill out and to return. I filled the form out and instead of deducting the amount I wanted they deducted double the amount and increased it by $50. I called them and explained to them the problem and was asked HOW SHOULD WE KNOW WHAT YOU WANTED US TO DO? They said they would issue me a debit card to use until it was cleared up. And then they told me it would be taken care by the next pay period. But they kept going on and on about how I should just keep my business with them that their debit card was so much better than most banks. They said I should just continue banking with them because I would LOVE THEIR BUSINESS IF I WOULD JUST GIVE IT A TRY. I told them I was happy with my bank and wanted it switched to just the payment amount asap. The next pay period they increased the amount by another 310.00 . Which means now my entire check is going to their office on my debit card. After I called them they asked me HAD I CONTACTED THE CORPORATE OFFICE? By this time I'm pretty upset. I asked WHY SHOULD I? ISNT' THAT THEIR JOB. But, every time I call them I can't actually talk to anyone. I get an answer machine they return my phone calls late in the day and explain to me THEY CAN'T PULL THE INFORMATION UP ON THE COMPUTER TO SEE WHAT'S GOING ON BECAUSE THEY HAVE ALREADY LEFT THE OFFICE FOR THE DAY AND ARE JUST RETURNING MY PHONE CALL. This has gone on for months now. I don't like their debit card and don't want them to take anything out of my check by the payment and additional 15 just to cover any added charges. The last time they returned my phone call from their car I said I HAVE BEEN SO PATIENT AND I'M TIRED OF ALL THIS MESS. I said IF THIS ISN'T FIXED BY THE NEXT PAY PERIOD (which was 2 weeks ago yesterday) I AM GOING TO CONTACT THE BBB they told me to go ahead.

  Business response

  07/14/2022

  ARH Federal Credit Union sets up allocations for our members upon their request.  There is an authorization form that is filled out and signed by the member that we then forward to the member's employer.  The member's employer then deducts that amount from their pay and forwards the funds to the credit union. We DO NOT deduct the amount ourselves. We only forward the signed request.

  Ms. ***** has two methods by which her allocation may be changed.  She may contact her employer's payroll department directly, or she may complete and sign the allocation authorization form and return it to us for forwarding to her employer.

  If the form was filled out incorrectly by Ms. *****, we apologize that our staff did not recognize the error before forwarding it to her employer's payroll department.  We will be happy to correct the amount, but the authorization form attached must be signed by Ms. ***** in order for her employer to accept it.  We will also email and mail this form to Ms. *****.  She may return it to us or may send it directly to her employer's payroll department.

*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. ↩