ComplaintsforAffinity Federal Credit Union
Credit Union
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Complaint Details
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Initial Complaint
08/07/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
My vehicle a 2012 Chevrolet Malibu was financed through Affinity Federal Credit Union. On May 28, 2022, my vehicle was totaled and on June 24, 2022, my car insurance ended up paying my loan off in full. I thought I would automatically receive a Lein Release letter but I did not. So, on July 11, 2022, I called to have it sent and was told to request it in the app. I did. I didnt hear anything so July 19, I requested it again. It is now August 7, 2022 and I have since gotten a new vehicle. I need my Lein release letter to tag my vehicle and also to get the totaled vehicle out of my name. I still have not received anything. I called them the week of 7/31/2022 and was told it was sent via email. I told them the only thing I got via email was a confirmation that my request was received. He acknowledged his mistake and said maybe it just hasnt come yet. Like he was unsure of what was going on. I feel like ** getting the runaround and just want my Lein release letter so I can get my car tagged on time.Business response
08/19/2022
In response to ***************************** complaint. We reviewed our records and confirmed we received a payoff check from Allstate on June 28, 2022. Subsequently, the lien release letter was sent to Allstate on July 7, 2022 since they provided the payoff. A lien release lien release letter was sent to the member by mail, today, August 19,2022.Initial Complaint
06/27/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
About a month ago I noticed that my loan had increased by $****. I reached out to affinity to find out what happened. They charge me the extra **** because my insurance wasnt verified. I sent documentation showing the dates of insurance that they requested. They advised me that I would get a refund within the next two weeks. As of today, I have not received the refund back to my loan and my credit has been affected by it. I reached out to them about a week ago, and they said that my refund was finalized on the 19th. The 19th has come and gone and my loan is still showing the extra $****. This is absolutely ridiculous. I need this to be resolved so that my credit will no longer be affected and that my loan will go back down to the original amount that I had originally signed up forBusiness response
07/01/2022
On June 29, 2022 a refund in the amount of $2100.00 was posted to **************************** loan account and her monthly payment adjusted back to the original amount. A letter in response to her complaint was emailed on July 1st.Initial Complaint
05/12/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I refinanced my auto loan with Affinity. Which I realized quickly was going to be a mistake. I attempted to make a payment on line as I did the first few months of the loan and I just kept getting a message to call customer service to make a payment. Was on hold for well over an hour and when I got an agent she was not helpful and also told me my payment wouldnt process with either my debit card or when we tried my routing and an account number and she gave me a number to call the next morning. Which I did and after an other hour long hold tried to run my payment and still the same thing. I was then told because a payment was returned, (I switched bank accounts and used my old info by mistake) I would have to pay an extra ***** per payment to run it through another system they have and I would have to call in the payments every month. I asked how long this would go in for for and she said I dont know probably 6 months or longer! So now I have to pay ***** extra for 6 months! This company is a joke and a rip offBusiness response
06/03/2022
On June 3, 2022 an email response was sent to ************** explaining online banking loan payments and confirming his conversation with the *** of Member support letting him know the payment was processed successfully.Initial Complaint
05/09/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I am unable to trade my car in due to faulty practices of your company. I refinanced my car 6 months ago with *********** and you failed to issue the title of my car to them. Now as this situation continues to get worse by the day with missing and incomplete paperwork that just seems to be stacking up, I just also found out that the title transfer fee I paid in December of 2020 has just sat for the last 17 months with no progress made. In speaking with the State of Wisconsin DMV to figure out where the h*** the title even is and which state has it I was told that when I paid the fee in December of 2020 you never issued the lien release to have the vehicle moved from ******* to ********* and it has just been sitting there!Business response
06/02/2022
As of June 2, 2022 a representative has been unsuccessful in contacting ****************** to discuss her title issue. Please call *******************************, Loan Servicing Supervisor at ************.Initial Complaint
05/05/2022
- Complaint Type:
- Billing Issues
- Status:
- Resolved
****** care manager **** refused to help setup payment. Also, he threatened to repossess my auto and threatened to deactivate my affinity online account so that I would not be allowed to make payments. This is unethical and deceptive collection practice. Also, he Insulted me stating I could not afford the loan and does not know my hardship nor cared about my hardship. I Believe he needs to be demoted or removed from his role since he is using unethical collection tactics.Business response
05/12/2022
On May 11, 2022 *************************, Loss Mitigation Operations Manager spoke with Mr. ************* to explain the issues with his online **************** also advised Mr. ************* to call him directly to work with him on his account. The member was appreciative of the call back and our willingness to work with him.Customer response
05/12/2022
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Regards,
Gavin PhiavilayvongInitial Complaint
05/05/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
Late payment dispute, unfair credit reporting in my eyes. Lender has ignored or dismissed my calls to even discuss my concerns which are valid.Business response
05/10/2022
Our records reflect that your loan was 57 days past due on June 2, 2021 and this delinquency was reported to the Credit Bureaus. We have researched our files and found there have not been any telephone calls from you since August, 2021.Initial Complaint
05/03/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
We had insurance earlier this year on our vehicle until 1/24. After losing a job due to covid insurance lapsed from 1/25 to 3/8. After providing proof of insurance they kept the forced insurance payment on the vehicle due and alerted me us to the wrong lender listed. (Affinity plus fcu instead) I corrected that and sent verification of insurance they shows them as the lender, they are now stating they need an insurance binder that shows coverage until January of 2023 but insurance only covers 6 months at a time. They are refusing to accept our progressive coverage declaration.Business response
05/17/2022
A letter was emailed to ************** explaining forced placed insurance and confirming receipt of the insurance coverage from March 8th to the present time. the letter further explains the remaining lapse.Initial Complaint
04/21/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I, *********************** stopped payment on a money order. December 2021. The reason I canceled the money order and it was stopped because my payment was not received. So, within a few weeks, I called money gram an had the money order stopped. I then received my money order in the mail an proceeded to cash my money order 12/21/21 and get my money back an pay in another form for my ****. A few days later, heading out of town, I call my bank an ask if they could use my back up loan account to cover a check, in which I wrote out for $400.00. I, then learned during those few days...money gram withdrew the amount money order and I didn't have the funds to cover my check. Now, 5 months later, I'm still working with money gram to get MY MONEY $667.77 back into my account. Also, the manager has been extremely rude since this event!!! I have banked at Affinity First Federal Credit Union over 30 years an haven't been so inappropriately an loudly talked to in the waiting room while trying to deposit funds to cover my $400.00 check. The manager treated me with NO concern that withdrawal affected me. I've never been treated with such lack of disrespect in my banking experience! Since the NO notification of the bank withdrawing from my loan there has been just disrespect to the point, I do not receive my bank statements!? I addressed the matter yesterday and ( I don't know her name- the manager) loudly she says," What's your email?" This continues 3 or 4 times with a loud voice, and I asked," WHY?" No answer..then she says, "We have the wrong email." I never- ever received my statements via e-mail. I'm currently receiving charges on that loan amount, in which I should've been notified it was taken out of my account, continuing to still work with money gram for the return of MY $667.77. put back in my account. This mean, rude, an disrespect from Affinity First Federal Credit Union manager, I do not deserve.Business response
05/05/2022
AFCU is in receipt of the complaint from *************************** regarding her account. After extensive research in our data bases, Affinity Federal Credit Union does not have any record of this member. Since she is located in ************, perhaps this is Affinity Plus.Initial Complaint
03/25/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This company I refinanced my car through my loan amount on my contract was $8,822.50. For the monthly payment of $212.96 I made two payments and then out of nowhere they added $2,100 to my loan without me being told or any warning. And now they raised my car payment to $396 a month. This company is a scam. A joke.Business response
03/30/2022
A letter was sent via email to ***************************** explaining the reasons for the auto loan payment increase. A refund was issued to the principal balance.Initial Complaint
03/23/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have been trying to make my payment using my bank information. I have a sting of emails back and forth. You are required to "validate" your checking account by adding your account and waiting for them to add two small deposits to your account then verifying the deposit amounts. I have attempted this several times. I am told either the deposit amounts are not right or there is no account to validate. My other choice to pay online is to use my debit card for a fee of ****. why don't they have to "validate my card? Why can't I just add my bank and pay for free like any other place. Had i known it was going to be this difficult i would have never refinanced with this company.Business response
04/04/2022
A previous response was posted on 03.29.22 as follows: A letter was emailed to **************** in response to her complaint regarding the set up of Online Loan Payments from an external account. An explanation was provided in the letter along with items to further assist in the process.
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Contact Information
73 Mountainview Blvd
PO Box 621
Basking Ridge, NJ 07920-3849
Customer Complaints Summary
87 total complaints in the last 3 years.
30 complaints closed in the last 12 months.