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Complaint Details
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Initial Complaint
07/15/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Spire is refusing to close my accounts because of a past due car loan. It's been on my credit since January in collections. I feel I'm being held hostage by them because they refuse to close my accounts and let me deal with the debtors they have on my credit report. How is it legal to deny me to close an account that mine?? Can I take them to court?. My car loan account has nothing to do with checking or savings. The car was ****** I paid ****** the warranty was 5000 they sold the car for 3300. They are overcharging me on this voluntary repo. They threatened me with calling the cops after I was told to wait on the manager. They put me out because I didn't want to sit down. My race had a lot to do with the threat of the police. I don't know what to do, but I hope you can help. I also have a video being threatened with police and being put out just cause I wanted my accounts closed.Business response
07/17/2024
The Collections Manager has reached out to the member directly about his account status.Customer response
07/18/2024
I am rejecting this response because:
They sent an email, saying call them. I've done that before contacting the BBB. They told me to go into their institution to close my account. When I got there I was told to step out of line and wait for the manager. Within minutes I was approached twice by 2 different employees, told to leave and threatened with the police, because that's what white people do to get their way with blacks in their establishments. I don't feel safe going back, and I'm looking for legal representation on the matter.Business response
07/29/2024
We have reviewed your BBB request to close your accounts.Currently, we are unable to close them due to the loan status.
If you have further questions, please contact me at ************.Customer response
07/30/2024
I am rejecting this response because:
They are charging me full price of this vehicle along with the warranty. Warranty was upward of *****+ What I owe doesn't reflect the actual price for the vehicle. I tinted the windows and put ***** rims on the vehicle. Mr *********************** at the ******* location valued my car at ******. They sold it for the price of the rims and tires I put on the car. The amount I owe is closer to 5 to ***** no more. I don't understand how they could send debt collectors after me and themselves. Both are on my credit report as if I owe for 2 vehicles. It's not legal to be constantly harassed by debt collectors and the people they represent. I DO NOT OWE BLAZE CREDIT UNION 10,000$ FOR A 2015 CHRYSLER 300.Business response
08/02/2024
We have reviewed your BBB request to adjust your loan details. Currently, we are unable to close the accounts or change the value of your loan. If you have further questions, please contact me at ************.Customer response
08/05/2024
I am rejecting this response because it's on my credit report. I haven't used or deposited money in that account in over a year. I have a totally different bank. I can deal with Spire through the 3 credit bureaus. I want the account closed, the checking. I have no access and have not had any for almost a year, what's the point if I, the owner can't access it. I was threatened with the police after I was told over the phone to come in to close it. I will not return because of that past threat. Spire needs to close that checking account and savings. They can leave the auto loan account open, as I do owe an amount to be determined. The auto loan account it has nothing to do with the other 2. I understand keeping the loan account open, but not checking and savings. They are making this more difficult than it has to be. I mean it's in collections. They want it both ways and that's not fair, or legal.Initial Complaint
07/08/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Im paying double on a vehicle for insurance, when I have two insurances . The lady was also very rude to my fianc, asked her when she was going to stop talking.Business response
07/17/2024
The Consumer Lending Manager has reached out to the member directly about his desired refund.Initial Complaint
05/28/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I had a Blaze Credit Union membership with a savings account, a checking account, and a ********************** card account - all of which were in good standing. On May 22, 2024, when I attempted to pay the entirety of my credit card statement using online banking, I learned that my membership had been terminated all of a sudden, (I learned this after my login attempts failed). I called in a few times to find out what exactly caused this termination to occur, and I was told that they could not share any details, none whatsoever. While I do not care much for why they ultimately decided to close my membership, (since all I was trying to do was PAY MY CREDIT CARD STATEMENT), what I DO care about is the lost credit card rewards that I was attempting to earn, (rewards that could have been earned at countless other banks and/or credit unions who do not close customers' accounts when they attempt to pay their credit cards). With that being said, should Blaze Credit Union decide to not explain why they decided to close my membership, I am fine with that. However, I am seeking $200.00 plus the monetary value of the credit card rewards points for the purchases I made, (with the $200.00 being the credit card spending bonus I was planning on earning - I was just a few weeks away from earning this bonus when Blaze Credit Union decided to close my membership). I would be glad to do everything the way in which I intended - which would require my membership to be reopened such that I could complete the spending I was intending to spend. I am also willing and ready to file smalls claims court documentation to remedy this situation should Blaze Credit Union not be willing to settle this situation without litigation. Thank you very much for your time and understanding. I am looking forward to hearing back soon.Business response
06/03/2024
The Director of Member Experience has reached out directly with the member to let him know about their credit card reward points.Initial Complaint
10/03/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
The nature of my dispute is I had an account with a financial institution called diversified credit Union in ******, **. Spire credit Union bought them out. My funds were transferred to Spire credit Union. I received no notice that I would be billed just for having my money in their Bank. The amount of money was roughly $25 at the transfer I believe and after looking back at my statements after months have gone by I noticed they've been taking money. When I realized what was happening I contacted a woman in ****** *********** New Branch store and requested that my money be returned and to close my account. She was very rude I wish I remembered her name but I did not think there would be an issue. She told me I had to come into the bank to fill out a form. When I asked if she could email me a form because I lived out of town she acting like that was the first time she'd ever been asked that question. She emailed me the form I printed it out and signed it. I took a screenshot of it on my phone and I emailed the sign form back to her. That has been 2 months ago and I have received no money and no acknowledgment and my account has been closed. I still get account emails sent to my email address. The commercials on TV do not match the in person customer relations. ******************** in my opinion is a big business that buys up small town businesses and charges fees to those people who never had to pay fees before. Just to have their money sit in a savings account. I will never talk highly of spire credit Union to any of my friends relatives or coworkers.Business response
10/13/2023
SPIRE Credit Union spoke with our member. We apologized to him and have proceeded with his request.Initial Complaint
01/06/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I was charged over drafts 6 of them in fact. I was only over drawn for 2. When I called to ask about it was told me they go on real time activity. Then stated in the same breath that it was because of pending charges. But pending charges are all ready deducted from my account. So they move stuff around so they charge you more overdrafts.. Also I was over draft for a ********** trip and I had just deposited 470 $ an couple hours before. I feel this bank does what ever it can moves payments around to deducts the big ones so they can overdraft all the little ones. I know for a fact I had the money in there for the ********** and the at & t payments yet somehow was charged the 33 each time. I am so fed up with this bank ripping off the underdog while they get rich and the low income people get poorer. I want 4 of these overdrafts refunded.Business response
01/20/2023
SPIRE Credit Union spoke with ******************** regarding her concerns. We emailed her a copy of all debits that occurred in her account after the deposit she mentioned in her review. SPIRE presented a resolution which was accepted by the member.Initial Complaint
11/30/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
Notice was received mid August stating I did not have insurance coverage on my vehicle and if proof was not received additional insurance would be added to my loan. I provided proof of insurance, which I was told would be sufficient. I then received an additional notice stating proof was not sufficient and they would be adding the insurance. I provided a different proof verifying coverage for the entire period in question, and was again told that the proof would be sufficient. The insurance was added on to my loan in excess of $1100 for 3 months. Even though I had provided proof of coverage. They are refusing to remove this fraudulent insurance from my loan and are now negatively reporting on my credit. The people responsible to fix this will not return my call and they have their debt collectors calling me telling me "there's nothing they can do".Business response
12/12/2022
To Whom it May ********************* you for the notification of the recent case filed with you by ***************************
We have reviewed the complaint regarding Hiway needing proof of insurance coverage to remove the additional charges on Pamelas loan.
We have reached out to our provider that gathers the information about proof of insurance for our borrowers. ****** previously had ********************* and on 04/26/2022 changed over to State Farm however ****** did not add the 2019 Dodge Journey on to the ******************** until 08/26/22. Our provider had verified this information with State Farm.
Therefore, ****** had a lapse of coverage between 04/28/22 08/26/22 which is why she is being charged the $1,194. If she can provide sufficient proof of coverage between 04/28/22 08/26/22, then she will receive the $1,194 charged to her.
****** will need to speak with ******************** to get this resolved since there is a lapse in coverage and provide a new proof of insurance coverage for the dates of the loan.
We will contact *************************** to assist her with regards to this documentation needed.
Please dont hesitate to contact me if you have any further questions regarding this case.
Sincerely,
*******************
Hiway Credit UnionDirector of Member Experience/ Member Advocate
************
Initial Complaint
08/26/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
Someone got my information and charged over **** on my card from feb until now,2022. it was sent to the fraud department at spire bank but they would not refund my money even though it was an online purchase to some out of the country casino which i do not believe is even legal in *****************, I was told when I got an account with spire that there was a 100 percent fraud protection on it yet I am not protected. please help me in getting my funds put back into my account. After all 100% is 100%.Business response
09/01/2022
Dear ********************,
SPIRE Credit Union (SPIRE follows the **** Core Rules and **** Product and Service Rules as published by **** along with Regulation E (REG E), which covers claims / disputes.
REG E clearly defines obligations of a consumer along with the corresponding action to be taken by the financial institution. Here is an excerpt from the Regulation:Periodic statement; timely notice not given. A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution's transmittal of the statement to avoid liability for subsequent transfers. If the consumer fails to do so, the consumer's liability shall not exceed the amount of the unauthorized transfers that occur after the close of the 60 days and before notice to the institution, and that the institution establishes would not have occurred had the consumer notified the institution within the 60-day period. When an access device is involved in the unauthorized transfer, the consumer may be liable for other amounts set forth in paragraphs (b)(1) or (b)(2) of this section, as applicable
Our records show that you first contacted us on 8/23/2022 at which time we received a debit card fraud claim for ~200 small transactions that began 2/25/2022. The 60 day dispute timeframe had expired before SPIRE received the dispute notification.
However, SPIRE did credit your account for all the transactions from February, March, and April 2022 (48 in total). Additionally, we have refunded all overdraft fees incurred on the account from the open date through 8/31/2022.
Initial Complaint
08/16/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
Double over drafting my checking account for a phone bill that was paid ******** family mobile) I can provide further proof if necessary.Business response
08/17/2022
To Whom it May ***************** you for the notification of the recent case filed with you by *********************.
We have reviewed the complaint regarding Hiway double charging ****************** checking account for a phone bill to ******* Family Mobile.
On August 8, 2022, ******* Family Mobile attempted to withdrawal the normal monthly payment from ****************** checking account. The phone bill payment was rejected due to insufficient funds available in the account.
On August 15, 2022, ******* Family Mobile attempted to withdrawal the monthly payment from Janices checking account and the payment was rejected again due to insufficient funds available.
The majority of electronic payments will represent if rejected for insufficient funds per the merchants discretion. This payment was not accepted by the merchant on August 8th and that caused the representment on August 15th.
Our records show that this payment was not made to the ******* Family Mobile in August 2022. Please provide the necessary receipt for payments.
We will contact ********************* to assist her with regards to this payment.
Please dont hesitate to contact me if you have any further questions regarding this case.
Sincerely,
*******************Initial Complaint
08/08/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
Hiway is holding money on the behalf of an organization, ******** and ****** on the consensuses of a debt being repaid. I do not have an "earned" income so there should be no "levy" on my saving account.Business response
08/09/2022
To Whom it May ***************** you for the notification of the recent case filed with you by *********************.
We have reviewed the complaint regarding Hiway holding money on behalf of ******** and ****** for a debt repayment from ****** Lochs saving account.
On June 24, 2022, Hiway Credit Union received a non-Earnings Garnishment order from a court to freeze funds in your account. The amount of the order was for $342.00.
A non-Earnings Garnishment is a legal process that allows a creditor to remove funds from your credit union account to satisfy a debt that you have not paid. In other words, if you owe money to a company, they can obtain a court order directing us, your credit union to take money out of an account to pay off your debt.
We held the funds available from your savings account for $187.00 but in your checking account the funds were protected so they were not held. We sent you a letter to inform you of the freeze on your funds in savings due to the Garnishment order.
On June 24, 2022, we informed you to contact ******** and ****** to contest this order. We gave you a copy of the order for your records.On June 29,2022, you called and talked to our accounting expert who again told you that we must follow the court order to freeze the funds in your savings and you need to contest with the attorney.
On July 27, 2022, we received a Writ of Execution which requires us to send the funds being held from the Garnishment previously served to ******** and ******. We complied with this order and sent the funds on hold in your saving account.Sincerely,
*******************
Initial Complaint
11/30/2021
- Complaint Type:
- Product Issues
- Status:
- Resolved
Security keeps locking my card on transactions and will not call to notify me. I have called Member services three times to update my contact info and this process does not take place. I appreciate the security, yet getting denied while using the card has become a constant embarrassment.Business response
12/06/2021
SPIRE has reached out to our member and addressed the concerns. We verified all information on file and discussed the enhanced automated fraud alerts. We believe we have resolved the issue as satisfactory for our member.Customer response
12/06/2021
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID 16190000, and find that this resolution is satisfactory to me.
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Contact Information
2025 Larpenteur Ave W
Falcon Heights, MN 55113-5512
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Get a QuoteCustomer Complaints Summary
18 total complaints in the last 3 years.
6 complaints closed in the last 12 months.