ComplaintsforSkyla Credit Union

• Initial Complaint

  07/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was a victim of a "phishing" scam and used my credit card from Skyla Credit Union. The phishing scam site is bookingonline.com. I did not realize this was the name of the site at the time because it showed as "Hilton Honors" and I thought I was signing up for the ******** rewards program and was part of a reservation that I had made at a ************. Once I filled out the information, I was charged $739 and the funds were took immediately. I realized what happened and called the number on the card and was told that I needed to come into the credit union, nothing I could do on the phone. This was July 11, 2024. I called the hotel and verified that the organization was not associated with Hilton and received my actual confirmation number. The bank told me the next day that the transaction had to settle before I could file a dispute. I carried the actual documentation to the credit union and filed the dispute. About a week later, I get an email from Skyla with documentation from the fraudulent company with a note saying the credit union contacted the fraudulent company and my claim was denied becuase the fraudulent company provided a receipt. I was not asked for my documentation that shows the actual confirmation number or the emails were I never verified my information. I made multiple attempts to recapture my funds and was denied by Skyla. They sided against me, the client. The document attached is not the actual receipt. I do have the actual receipt if needed.

  Business response

  08/02/2024

  Hello ****************,

  We have reviewed your claim and based upon your summary, you stated that you did receive a confirmation from the hotel for the 2-night stay. The merchant indicates that the charge was for a hotel reservation, not a rewards program. Your original claim stated that the transaction was unauthorized by you but based upon your summary and the evidence provided by the merchant, the transaction was authorized by you. Therefore, the unauthorized transaction claim was denied.  We are happy to review the documents that you state are in your possession. Please visit your nearest branch to speak with a representative. 

• Initial Complaint

  07/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  SKYLA CU ***************** (TU,EX,& EQ)Date Opened: 03/04/2013 Balance: $205.00 As per the **** as a federally protected consumer, I am option out of any and all authorization I the consumer may have given you written, unwritten, verbal, non-verbally per 15 USC 6802. This account is listed as a charge-off which is a certificate of indebtedness. I am sure (SKYLA CU ) has filed a 1099c. Income cant be reported on a consumer report. My privacy was violated as per the Privacy Act 1974. This account needs to be removed from my consumer report. Privacy Act of 1974 (5 US Code 552a) Any and all consent to Equifax, Experian, and Transunion whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 (b)(c) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. You never informed me of my right to exercise non-disclosure option. Not only that 15 USC 1681C (a)(5) states Except as authorized under subsection (b), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is as adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 (A)(1) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to 12 CFR ******. Purpose and scope.(a) Purpose. This part governs the treatment of non-public personal information about consumers by the financial institutions listed in paragraph (b) of this section.

  Business response

  07/31/2024

  Skyla Credit Union has examined the received complaint and after reviewing all account documentation from March 4, 2013 through February 20, 2020, including driver's license and account activity, have determined that no error has occurred. Skyla also received the complaint by regular mail and responded to the complaint by mail. We requested a Credit Dispute form be completed and returned to the credit union. However, that was before our investigation was complete. It is not necessary to complete the form unless you believe the account was fraudulently opened. 

  We would also like to offer the opportunity to make an appointment to visit a branch nearest to you to view your account records. If you would like to make an appointment, please call ************** and we can connect you with your closest branch.

• Initial Complaint

  07/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I started with Premier Credit Union with a line of credit years ago I then purchased a vehicle from a private seller through Premier CU that merged with Charlotte Metro to become Skylar CU. I had a reduction in pay and got behind on the line of credit and it charged off. I put my truck in the shop to be told that it has been repossessed due to the line of credit being charged off for $1234. The truck is worth ******. I'm trying to understand why the truck was repossessed and the line of credit was not collateralized by the vehicle that I got long after the line of credit. The other issue is I have not been mailed a notice of repossession or have I received a phone call notifying me of the action they were taking.

  Business response

  07/11/2024

  This has been resolved with ****************.

• Initial Complaint

  07/03/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  On June 21st this companies employee committed fraud and improperly used my social security number , I have notified his manager and supervisor of this matter and they have taken this lightly and have violated my consumer rights .I have in detailed attached complaint with all information . this company has done whatever to hide the truth but I actually have the evidence proving that this company has willfully been noncompliant with state and federal laws but also has committed Fraud.

  Business response

  07/11/2024

  Mr. Durblin,

  We have received your complaint from the National Credit Union Association and will be responding within the regulators time frame. 

  Customer response

  07/11/2024

   
  I am rejecting this response because: They need to respond to all correspondence and the BBB Time frame as well, to ensure the safety of my consumer rights that have been violated, I am also requesting the company provides me with there terms and conditions agreement and policy. Also their licensing and bonding agent for Small claims or Arbitration !
  
  

  Business response

  07/12/2024

  Mr. Dublin,

  Skyla Credit Union fully intends to respond to your complaint. However, the depth of the complaint and escalation to our regulating authority, requires more research time than what is offered under the BBB deadline. Skyla is making every effort to meet the BBB deadline but may need more time. Thank you.

• Initial Complaint

  01/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Call center was unable to help me and they tried. I keep being told a specific department has to help me. I woke up and my acct with my money in it was deleted. I was only supposed to have one checking acct closed and they closed my savings account with my money in it.

  Business response

  01/17/2024

  Skyla Federal Credit Union has reviewed and investigated BBB Claim #********. Our response is as follows:

  
  ****************, we have reviewed your account history and see that your checking account was closed due to having a negative checking account balance beyond 30 days. Any funds on deposit in any other account that you owned (such as a savings or money market account) could be used to clear up the negative status.

  
  It would be best if you visited your local branch for a thorough review of your account. Access to specific details of your account will not be available via this communication method.

  
  Skyla FCU considers this complaint investigated and closed.

  
  Thank you,
  
  Risk Department
  Skyla Federal Credit Union

• Initial Complaint

  01/04/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I would like to Complaint about Skyla credit Union for taking insufficient fees to my account.They do not paid the merchant but take out $29 fees every single time and keep doing it. This is just not right. I would like to get a refund of a total of $58.

  Business response

  01/17/2024

  Skyla Federal Credit Union has reviewed and investigated BBB Claim #********. Our response is as follows:

  
  ************, your account will receive an insufficient funds fee anytime an authorized transaction from a merchant or written check attempts to clear your account but the funds are not available to pay the transactions.
  A review of your account history shows there have been several conversations concerning how fees can occur on your account and how to remedy the situation. These conversations date back to 2019. In addition, the credit union has previously provided refunds for fees as a one-time courtesy.

  
  Please contact any merchant that you have authorized to debit your account for services if you wish to terminate that authorization.

  
  Skyla FCU considers this complaint investigated and closed.
  Thank you,
  
  Risk Department
  Skyla Federal Credit Union

  
  

• Initial Complaint

  12/11/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  About 2 years ago my bank card was hacked, so now before I go to sleep I try to remember to lock my card every night. I locked my card last night and this morning I cannot access my card. I cannot use my card at all. They did not send a notice about the maintenance. I signed up for 24/7 mobile banking, so I should be able to access my account at any time. I have prescriptions to pay for and I can't because they blocked the card controls.

  Business response

  12/11/2023

  Skyla Federal Credit Union has reviewed and investigated BBB Claim #********. Our response is as follows:

  
  We apologize for any inconvenience **************** may be experiencing. Skyla does post notifications on our website when the online banking platform will be unavailable due to maintenance. If **************** is still having trouble accessing her card controls, she may give us a call or visit her local branch for assistance.

  
  Skyla FCU considers this complaint investigated and closed.

  
  Thank you,
  
  Risk Department
  Skyla Federal Credit Union

• Initial Complaint

  11/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This credit union is repeatedly late in posting ach direct deposits delaying access to funds for customers routing calls to call centers when the credit union is closed who have no answers as to why the deposits are delayed and/or when they will be available. No resolution is repeatedly provided and no reason as to why the delay in posting the deposits. Customers shouldn't have to contact the "call center" to check on a direct deposit every week if the employer has done their due diligence and wired the funds to the bank. Providing competent customer service representatives who can research direct deposits would also be helpful instead of representatives who sound like they are answering their house phone, totally unprofessional and have no knowledge of your account or how to resolve the issue.

  Business response

  12/05/2023

  Skyla Federal Credit Union has reviewed and investigated BBB Claim #********. Our response is as follows:
  

  In order to properly address **************** complaint, we will need to speak with her to get specific information. Skyla Credit Union credits deposits to accounts on the day that they are received. Several factors can cause a deposit to post at various times, such as, how the deposit was sent the credit union and when the deposit was sent to the credit union.

  It would be beneficial for **************** to visit her local branch so that her account can be discussed specifically.

  Skyla FCU considers this complaint investigated and closed.
  Thank you,
  
  Risk Department
  Skyla Federal Credit Union

  
  

  Customer response

  12/06/2023

   
  I am rejecting this response because: The deposit I receive from my employer is a ACH deposit that is supposed to be made available the same time each week on Friday this isn't a manual deposit that is being made the availability of the deposit had been delayed repeatedly and only made avaionce I call and complain about access to the deposit then it mysteriously appears on my account minutes later. 
  
  

  Business response

  12/06/2023

  It is strongly encouraged for **************** to visit her local branch and speak with her branch manager specifically about her account. Details can be reviewed and discussed at that time. The branch manager can contact the Operations for additional help if necessary.

• Initial Complaint

  11/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to you to complain about Skyla Credit Union. I have never done business with this company but they have added 2 unknown identical accounts to my credit and without proof or verification have refused to remove the debt. I attempted to contact Skyla Credit Union to resolve this issue, but they have not responded to my requests nor have they resolved the issue. Please contact me to let me know how to resolve this issue. I look forward to hearing from you soon.

  Business response

  11/14/2023

  Skyla Federal Credit Union has reviewed and investigated BBB Claim #********. Our response is as follows:

  Mr. La ******* **************************** joined Skyla Federal Credit Union (formerly known as Charlotte Metro Credit Union) on July 26, 2017.The validity of his identity was confirmed through government photo identification, national credit bureau information and employment verification.

  ************** maintained an active account until July 15, 2020. At that time, the checking account entered into a negative status and remained negative for more than 30 days. In accordance with our policy, the account was charged-off on August 28, 2020. This also resulted in a charge-off balance of $123.00 being reported to the national credit bureau reporting agencies.

  Mr. ****** complaint also indicated a second account reporting to his credit file. ************** applied for a personal loan on April 12,2019. The loan was approved and was paid monthly until July 24, 2019, when the loan fell into delinquent status. However, the loan was paid in full on September 10, 2019. Skyla Federal Credit Union is accurately reporting the loan status as Paid to the national credit bureau reporting agencies.

  We are happy to provide ************** with a copy of his membership and loan application. He may contact us at www.skylacu.com and use the Get Help section to complete the request or visit a local branch to obtain a copy.

  Skyla FCU considers this complaint investigated and closed.

  Thank you,
  
  Risk Department
  Skyla Federal Credit Union

• Initial Complaint

  10/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Im not liable for this debt with Skyla federal credit union , i do not have a contract with skyla federal credit union. They did not provide me with the original contract as i requested

  Business response

  10/10/2023

  Skyla Federal Credit Union has reviewed and investigated BBB Claim #********. Our response is as follows:

  
  **************** joined Premier Federal Credit Union on June 14,2021. The account went into the negative on July 21, 2021 and remained negative for more than 30 days. In accordance with policy, the account was closed and the negative balance was charged off on September, 3, 2021.

  
  Premier Federal Credit Union is now known as Skyla Federal Credit Union. We are happy to provide **************** a copy of his membership application. He may contact us at www.skylacu.com and use the Get Help section to complete the request or visit a local branch to obtain a copy.

  
  Skyla FCU considers this complaint investigated and closed.

   

  Thank you,

   

  Risk Department

  Skyla Federal Credit Union

  Customer response

  10/11/2023

   
  I am rejecting this response because:
  I had no acknowledgment or know anything about SKYLA FEDERAL CREDIT UNION account.Im not liable for this debt with Skyla federal credit union , i do not have a contract with skyla federal credit union. They did not provide me with the original contract as i requested

  Business response

  10/13/2023

  Premier Federal Credit Union is now known as Skyla Federal Credit Union.  Please note:

   -all financial information previously reporting as Premier Federal Credit Union to national credit bureau and consumer report agencies, now report as Skyla Federal Credit Union.

   -all member agreements and applications with Premier Federal Credit Union remain valid under Skyla Federal Credit Union.

   -all debts owed to Premier Federal Credit Union are now debts owed to Skyla Federal Credit Union.

  We are happy to provide **************** a copy of his Premier Federal Credit Union membership application. He may contact us at www.skylacu.com and use the Get Help section to complete the request or visit a local branch to obtain a copy.

*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. ↩