Complaints

This profile includes complaints for Ohio Catholic Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Ohio Catholic Federal Credit Union

  13623 Rockside Rd Garfield Hts, OH 44125-5173

• 

  Ohio Catholic Federal Credit Union

  16488 pearl rd Strongsville, OH 44136

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:11/22/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Applied for auto loan on 11/22/24. Was contacted by Brian *********** & proceeded to work the loan process towards an approval. This was a very stressful process when working with Brian as he seemed very aggressive in the way he approached things. Not very organized in his methods as he requested banks statements & told me not to worry about highlighting anything that he could do that his self.. then an hour later requesting that I send them again this time highlighted due to his inability to find the transactions. Very confusing request that was duplicated due to his inability to complete his job. My 2 biggest issues in dealing with Brian is the phone call I received from him in which he used a very aggressive tone of voice in almost an interregation manner saying " I need some answers and I need them now" in regards to an address discrepancy the dealership put on the Buyers Order. The tone in which he spoke made me feel very uncomfortable as if I was being accused of presenting false information. This was easily cleared up but the emotion behind his business method remained a sour taste. Very unethical! My 2nd & biggest complaint is - I have done business with Ohio Catholic before. I have had a great experience in dealing with Sam ******* & which I could have dealt with him this time. Sam emailed me stating Ohio Catholic offered a 6.5% rate at 84 month term. With top tier credit this is what I was expecting to qualify for. Brian with no discussion & pressuring me to rush so he could close the loan out before end of day, sent a contact over that had 6.81% as the rate. I simply questioned this in email because it was different than expectation and again met with Brian's very aggressive business method. No discussion at all Brian said he was going to withdraw my loan. After having my credit ran and going through the extensive process for approval I feel I earned the right to ask questions & feel comfortable yet felt punished for questioning the discrepancy in rate

  Business Response

  Date: 11/25/2024

  We apologize for any inconvenience you may incurred with our staff while applying for a loan.

  
  Applicant applied for a loan on 11/20/24 with one loan officer. Applicant sent an email on 11/21/24 to a different loan officer asking what our current auto rates which he replied they would be approximately 6.50% for 84 months. This was based on the credit score at our highest tier which the applicant did not meet.

  
  Based on information provided, the rate he qualified for was 6.75%  and we do charge an application fee on all auto loans which pushed the APR to 6.81%.

• Initial Complaint

  Date:05/30/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid off my loan in April 2023. I never received a letter thanking me for paying off my loan and informing me that I will be charged $60 yearly fee unless I pay $43 to cancel the loan as a home equity loan. I have had home equity loans before from other banks and I was never charged a fee for anything, and my loans were automatically closed after it was paid. I asked if they would waive the $60 yearly fee and allow me to pay the $43 top cancel my loan. The guy on the phone was very rude and talking to me about a contract that I signed, and nobody remembers a contract that was signed years ago. Sending a reminder letter after the loan got paid would have beneficial and the proper way to run a business rather than stealing money from people after a loan was paid in full.

  Business Response

  Date: 06/03/2024

  Payments made in April of 2023 and June of 2023 brought the line of credit to a zero balance.  No payoff quote was ever requested or provided.  One feature of the home equity line of credit is the line can be paid to a zero balance and used multiple times in the 10 year draw period.  The borrower never contacted a manger or anyone in the loan department asking that the account be closed and lien release.  The Home Equity Line of credit has a 120 month (10 year) draw period which does not come to an end until 2027. 
  The borrower spoke to a representative of the credit union on 5/29/24 and 5/31/24.  We are expecting a check in the mail to payoff and close the line of credit.  We have agreed to waive any late fees.  

  Business Response

  Date: 06/07/2024

  The Credit Union acknowledges that the branch staff applied the payoff incorrectly.  However in doing so, the payment accepted is to the borrower’s benefit.  The borrower agreed to pay the $60 annual fee and the $43 release fee totaling $103.  The branch accepted the payment as $90 with no further balance owed (saving the borrower $13).  The mortgage will be promptly released with the county and the balance in the borrower’s savings will be mailed to her.   No branch visit required.    

  Customer Answer

  Date: 06/07/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  

  I never agreed to pay the yearly fee of $60.  I only agreed to pay the $43.  The Priest at my church gave me $105 and I sent it into the bank for payment because I cannot have my credit in collections, I have an 850-credit score currently and I cannot have that lowered for I will be a foster/adoption parent and my finances need to be in order in order for me to do this. This bank has been very rude to me, and they put me in collections as well as called me and harassed me twice a day leaving me messages and not telling me specifically what it was for, and I assumed it was just telemarketing purposes that I was ignoring.  I do have an email where I responded that I do not have a loan with you quit harassing me and no email was given back and telling me what it was for until I was put in collections and then they did not help me.  I firmly believe that I should only pay the $43 for this company has not handle this situation properly at all. I never agreed to pay the $60 fee.  Again, my priest gave me the money to keep me out of collections until I fight this fee completely for, I cannot be in any financial hardship in any way to foster/adopt.  This whole situation has delayed my application for fostering and adoption.  I should be returned the $60 yearly fee for I never agreed to it.  I only agreed to the $43 to close the account.  Here is the correspondence from my email for which ******** never responded:

  ******** **** 
  *********************************
  To:Clarissa *******
  
  Fri, May 10 at 1:28 PM
  
  
  I don’t have a loan with you 
  
  Sent from my iPhone
  
  On May 10, 2024, at 10:38 AM, ******** ******* ****************************** ******
  
  
  
  <image001.gif>
  
  Good morning, we have been trying to reach you regarding the heloc annual fee.
  
  
  
  Clarissa *******
  Collection Specialist
  Office / 216-663-6800  Ext 434
  Cell / 330-209-1991
  
  ************
  
  Akron Office
  2720 S Arlington Rd.
  Akron, OH 44312
  
  Regards,
  
  ******** ****