ComplaintsforAffinity Federal Credit Union

• Initial Complaint

  07/01/2024

  Complaint Type:

  Product Issues

  Status:

  Unanswered

  More info

  On May 2, 2024 I submitted a Check to Affinity Federal Credit Union. A check I received from the IRS. The Bank has held my verified check for over 30 days and I am demanding my money be released to me. I attached proof of check verification given to me directly by The IRS . The check amount is $363,969.07. I am awaiting my funds. The initial hold was 3 days then 21 days then they added another hold when I entered the Branch to retrieve my funds. This hold has been done out of bias judgment regarding my race and wealth and Affinity will be held accountable especially for the losses that are occurring due to this hold. IRS has already verified my check. They are not legally able to hold my funds any longer.

• Initial Complaint

  06/19/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  My car was stolen in ******* (2017 Land Rover Discovery Sport) financed with Affinity Credit Union. In my financing I added GAP insurance. After they were paid from the insurance company, my GAP insurance only covered $300 of a $2000 deficit. I paid for GAP monthly with my payment. How is it that I owe money and they only paid a small portion???? No one there has explained this to me and its super hard to get in contact with someone. I need help in alleviating this matter.

  Business response

  07/01/2024

  The response to ************************ is being researched to compose an accurate response regarding the member's complaint.  

   

• Initial Complaint

  05/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In 2022 I made this biggest mistake of my life. I thought switching my auto loan to Affinity Federal would be a good move for me however from the start it has been a catastrophe and has been spiraling since. Let's start with their app is useless and nonfunctional, creating an online account should not require a migraine. Second, due to difficulty creating the online account my first payment was late. When I was finally able to get in everything was fine however, I was strugglin-+g to get caught back up. I called and asked if I could have my account auto debited every 2 weeks half of my car payment and was advised I could not do that....why? It's 2024 this isn't 1978 rocket science. Moving forward I had tried to apply for deferments to pull myself out of the behind payment and was denied with no real explanation as to why. I had kind of folded at that point and continued to try my best. Then emails started coming him last year saying my car was up for repossession, it was the scariest email I had ever received. I took care of what I could. Now in 2024 things have gotten so much worse. I get emails saying they have been trying to contact me -but have been unsuccessful, I reply with no response from them and answering calls is difficult when I'm at work. When I try to callback back to the ************ from the emails, I waste all my breaks and lunches on hold. I am currently on hold as we speak, it's been *************************************** take my debit card info and debit my account every 2 weeks that's all but I can't get a hold of anyone.

  Business response

  06/18/2024

  On June 18, 2024 a letter was emailed to ****************** reiterating her conversation with AVP Loss Mitigation and citing the agreement made.  

• Initial Complaint

  04/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  Hi, I was wondering if it would be possible to waive the Insufficient Funds Charges for 4/22 and 4/29. I would appreciate it. Thank you.

• Initial Complaint

  04/10/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I had a auto loan with this credit union and then traded my vehicle in which I then was getting a refund check from my warranty contract , which I was told goes to the auto loan place (affinity fcu ) first then the mail it to me , It has been almost 12 weeks and the check was sent to affinity FCU on 3/26 . They state they do not have it but warranty place confirmed they have it . I would just like my refund check . This company is so hard to deal with in trying to contact help with them .

  Business response

  05/01/2024

  A letter dated May 1, 2024 was emailed to **************** in response to her complaint.

• Initial Complaint

  03/21/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  My mortgage company collected my tax payments and placed in escrow but then did not pay my taxes for 2 quarters in a row Then they connected me with someone to resolve the issue and he has not followed through on commitments and how they stated they would resolve the issue

  Business response

  04/02/2024

  The complaint has been referred to an attorney and a letter emailed to ************ on April 2, 2024, with the attorneys contact information.   

  Customer response

  04/02/2024

  Hello All,

  I have reviewed my e-mail as well as the secure e-mail on the Affinity website and do not have correspondence from an attorney.

  E-mails I have received 4/2/24 (today) that include "Affinity" anywhere in the e-mail are: one with the subject line "*******, we're fully committed to your overall wellbeing." and the one from the BBB alerting me that you have replied.
  

  Please provide me with further information.

  Regards,

  *******

   

  Complaint: 21466205
  
  I am rejecting this response because:
  
  
  
  Regards,
  
  ***********************

  Business response

  04/03/2024

  A Certified RRR letter was sent to on April 1, 2024.  

• Initial Complaint

  02/05/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I had a car loan that was paid off deducted monthly from my bank account. Car loan is paid off. I received on my credit reports a delinquent ********************************* a 47 point decrease in my credit report. This was reported to credit bureau Feb 1st **** I Verified with company it was paid off. I had a 100 % payment history and a $0 balance . My credit report shows as a delinquent account that has not been removed off my credit I also , have not received the car title . The car is paid for and I need my title. Have made several calls to Affinity . Results needed = MY CAR TITLE and the negative delinquent removed from my CREDIT REPORT I have every transaction from my bank

  Business response

  02/16/2024

  Affinity is researching the complaint to respond to ******************.  

• Initial Complaint

  01/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I didn't authorized opening an account with the ********* **** ***. I've made a call to my credit union, Affinity Fed Credit Union, concerning two transactions. Oct. 8, 2023 for $15.00 and Jan. 8, 2024 for $15.00. I don't know who opened up the account and charged my account those two transactions. Was it ********* **** ***. or Affinity Federal Credit Union since they are the ones who offered the Disability ***urance thru them. I called Affinity and they patched me in their call to Minn.****. I explained to them that the account was not with me. Apparently they will send me paperwork to close the account. WHAT? Does that make sense? I am not the one who opened the account. So how am I authorizing them to close an account in which I have nothing to do with it? To have disclosure, I did open an account back in 2004 thru Affinity FCU and closed it in 2016. To have the account reopen with my authorization and take money out of my account seems criminal to me. How many other accounts are being opened without peoples' consent? Please look into this. I want my $30 back and further investigation as to what truly occurred (or occurring for that matter). Account in question: ********* (Thank you to 'Samantha' (AFCU) for being a patient listener, and doing what she can to help.)

• Initial Complaint

  01/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I Financed a Car with Affinity Federal Credit Union, in Aug 2019 Of course with Covid we had some delays been back since 2022. I spoke to them and we made a ACH arrangement every month from Feb 2023- to present of $678.00 for payments. I was def scammed. And On December 29th 2023 a Repossesion was on my car and woke on Janaury 26 my car was gone, and was told the following:********************* Fri, Jan 26, 4:37PM (1 day ago)to me **********************************Unfortunately at this juncture, if you wish to redeem the unit, you will have to payoff the loan in full.The last payment on the loan was made 8/15/22. You will have until 2/10/23 to pay the loan off. After this date the unit will be transported to an auction house of sale.Be advised that contractually, all signers on the security agreement will be responsible for any deficiency balance. You will receive a notice from us, once the unit is sold and the remaining balance due and payable to Affinity FCU, to zero out the loan.Thank you. ********************* Loss Mitigation Manager MEMBER CARE DEPARTMENT Call or Txt ************ Affinity Federal Credit Union Belong to something better.To my knowledge i was under impression after 90 days you are contacted. and should have been repoed one year and 4 months ago, where is my money and my car?

  Business response

  02/23/2024

  A letter was emailed to ****************** on 2/23/24 explaining the timeline of events as they relate to his automobile and further action required by him.

  Customer response

  02/23/2024

  
  Complaint: 21210405
  
  I am rejecting this response because: 

  In nov 2022, I ***************************** spoke to **** who asked for payment we were behind and I paid it over the phone with my Bank Card, total was $1,944 she also said she would have someone from the financial office call me, with ACH set up, she could not have done that she did take payment. 

  I see that your letter, states the following:

  Your auto loan originated on August 20, 2019 Yes
  The last payment received: August 15, 2022 Nov 2022, ******* Card. (2 days later, A call set up ACH with Affinity Credit union routing Number ********* acct#
  The loan was charged off: November 18, 2022.( interesting???)
  The vehicle was repossessed: January 26, 2024. Why if i was behind from Aug 2022, why did the Repossession take place Dec 29, 2023, I have a Copy of the Order.

  Showing a Copy of the Purchase, WHY when we were behind 90 days (Nov **** Called) where did this money go? Why did it take one year 4 months for the Repossession to take place?

  During Covid there were many calls, to My father in law and myself because the World was shut down everyone was behind,  When i spoke to Affinity **** was her name, She stated and her Exact words were we Emailed *************************, I then said interesting he is 84 and does not have email, she replied, you are right not email on record, then i said why did you  not call him, again her response was the number we have is ************, well thats not his number, During Covid you called him on his  home number, Please affinity get your act together we received phone calls all the time, then I call on January 26, 2024 to find out, that none of my ach were going to my car, devastated i am, My Concern about this bank and Credit union, is no one called us to tell me i was behind and I could of Saved $14, 400 being robbed from someone in your Organization, I have contacted an Attorney and i will get to bottom of this.
  Examples of Payments out of my account, I requested all my bank statements 
  Dec 14, 2022 Loan Payment AFCU DD ******* WEB ID: ********** $643.42
  Jan 14, 2023 Loan Payment  AFCU DD ******* WEB ID: ********** $643.42

  
  Regards,
  
  *****************************

  Business response

  03/06/2024

  We have reviewed our records and confirm that during the repossession process we were unable to locate the vehicle.  Several attempts were made to contact the member which were unsuccessful.  Subsequently after not being able to contact him we had to engage a third party to skip trace the vehicle.  As of January 26, 2024 the loan was past due and the vehicle was located and repossessed.

  Customer response

  03/06/2024

  
  Complaint: 21210405
  
  I am rejecting this response because:

  I was unaware of the truck Being behind on payments, When we called and Spoke to ***** ** were told ************************* was emailed, that's untrue because he is 84 and does not have email, no correspondence from Affinity by phone because **** said number was disconnected, that also is in accurate, ************************* has had the same number, since 2000 ************, she recited a number to me that is not anyone's number, on March 15, 2020 we spoke to Affinity ****** and I re: Address Change for Co Maker from ********************************************************, to **************************************************************** with phone number of ************, and we never received any correspondence until we were behind During *****,  you had correct information during Covid. when i spoke to Affinity on Jan 26, 2024 my address was still at ***************************** Please advise why my Vehicle was placed on Repossession List as of 12/29/23 when i was already behind 678 days as per your records. 90 days the truck should have already taken.

  who stole my money within, that was being ACH drafted every month on 14th???
  
  
  
  Regards,
  
  ***************************

  Business response

  03/10/2024

  Affinity is further researching ********************** complaint.  

• Initial Complaint

  01/25/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Unanswered

  More info

  I refinanced my vehicle with Affinity in 2021, at a point where I was financially inexperienced and looking to lower my interest payments. I was deceived and lied to by Affinity Federal Credit Union and given a predatory loan, with insane interest costs. They also did not credit the principal I had paid to my previous financer, so essentially when I refinanced with Affinity they started my loan back from the purchase price. This lost me over $3,000. It was never once explained to me the total interest they would be taking from me, and I was never given an explanation as to why they obscurely added $3,000 to my loan principle. It is impossible to contact their customer service center for answers, and aside from that, I do not enjoy confrontation so I don't feel it's my responsibility to argue my case when it was their intentional deception and fraud to begin with. I understand I have waited a few years to pursue this complaint, but the full reality of how bad they have destroyed my financial comfort has recently become very clear as my financial literacy grows. I am looking for resolution. I understand I cannot just have them forgive my loan but I feel I deserve some sort of compensation for how bad this has destroyed my finances. Affinity is extremely predatory and I wish to warn others that despite their title as a credit union, they are more deceptive and profit-driven than the big banks. By far the worst financial decision I have ever made was choosing to use Affinity as a lender. By the time my vehicle is paid off, I will have paid over $24,000 for a vehicle I purchased for $17,000.

*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. ↩