ComplaintsforUnitus Community Credit Union

• Initial Complaint

  05/15/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  Unitus has inaccurately reported a late payment to the credit agencies for the month of April 2024. I have had issues with Unitus online auto pay before and this seems to be a reoccurring issue. I have spoken with my financial advisor and we are requesting that the report be rescinded and the error corrected. All payments have been made and every effort to correct the auto pay.

  

  Business response

  06/04/2024

  Thank you for your inquiry. In researching your complaint, we could not find that a late payment was reported to the credit bureau in the month of April 2024.  Do not hesitate to reach out to us to share any documentation or information that is causing you to believe that this has occurred. 

  Customer response

  06/11/2024

   
  Complaint: 21716235
  
  I am rejecting this response because:

  I was informed a payment was late, is there another month where the payment is showing as late?
  
  Sincerely,
  
  *****************************

  

  Business response

  07/03/2024

  We have spoken with ****************** and the issue has been settled.

  Customer response

  07/08/2024

   
  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.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  02/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this account from my ********************** report. Please help meinthismatter.-----------------UNITUS COMMUNITY CREDI282060XXXX opened on Mar 17, 2020 Higher Credit $38,573---------------------------

  

  Business response

  02/14/2024

  We appreciate the opportunity to respond to Ms.********* ********** We have researched this issue and found that we are correctly reporting to all three credit reporting agencies. We take these matters seriously and make every effort to ensure the matter is closed in a satisfactory manner.

• Initial Complaint

  01/31/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I lost my wallet and it contained sensitive information inside of it like my social security number, drivers license, debit, and ********************** cards. I recently discovered that someone is using this personal information to impersonate me.----------------------UNITUS COMMUNITY CREDI 282060XXXX opened on Mar 17, 2020 Higher credit $29,284.---------------------

  

  Business response

  02/14/2024

  We appreciate the opportunity to respond to Mr.********* ********** We have researched this issue and found that we are correctly reporting to all three credit reporting agencies. We take these matters seriously and make every effort to ensure the matter is closed in a satisfactory manner.

• Initial Complaint

  12/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I submitted four bill pay transactions online and Unitus' system duplicated three of them, for additional charges of $360.21. Unitus claims they cannot correct the problem or assist in making my account whole. They have made it my responsibility to contact the payees and try to get my funds back.

  

  Business response

  12/20/2023

  We appreciate the opportunity to respond to this complaint. We have researched this issue and contacted Mr. ***** We take these matters seriously and make every effort to ensure the matter is closed in a satisfactory manner.

  Customer response

  12/22/2023

   
  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.
  
  Sincerely,
  
  *********************

• Initial Complaint

  10/17/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 04/19/2023, Unitus Community Credit Union added *** Insurance to my $4,223.00 auto loan, increasing the total from $21,053.22 to $25,276.22. On 06/23/2023, my payment unexpectedly rose to $738.07 due to ***. Despite having insurance since the loan's origination on 08/20/2022, I sent proof of insurance on 06/25/2023. By 07/03/2023, with no change, I contacted their hotline. After emailing Unitus directly and being told my submission wasn't in the correct format, I resubmitted it on 07/06/2023.I changed insurance on 07/10/2023 and sent updated declarations on 07/11/2023, later confirming the change with their tracking center as well as my insurance rep. I noticed a refund of only $1,520.00 for *** and was told I had a lapse from 02/17/2023 to 07/10/2023. On 07/27/2023, I sent declarations for insurance coverage during that period.On 08/02/2023, with no updates, I contacted Unitus. On 08/04/2023, the tracking center informed me that the issue stemmed from switching off my mom's insurance to my own on 02/17/2023, changing the policy number. I provided the new policy number and they confirmed it with the declarations I had sent, including one showing I rejoined my mom's insurance on 05/31/2023. I informed Unitus but saw no change.Calling on 08/11/2023, someone called to confirm with our insurance agency, leaving a note for the change. On 08/22/2023, after no change, I called Unitus again, and they asked me to email the declarations once more. On 08/30/2023, I received a refund of $1,647.00, leaving $1,056 of the *** on my account and my payments at $510.11 instead of $434.10.Messaging on 08/31/2023, I inquired about the ongoing issue. I was told the last note on file showed insurance starting on 07/10/2023 and still indicated a lapse from 06/02/2023 to 07/10/2023, despite providing evidence of rejoining my mom's policy on 05/31/2023 and switching insurance on 07/10/2023, which I had submitted multiple times.

  

  Business response

  10/20/2023

  We appreciate the opportunity to respond to ****************** complaint. We have researched this issue and found that there is a true lapse in insurance. We spoke with ************** previously. If he can provide proof of insurance for the missing timeframe we can remove the force-placed insurance. We take these matters seriously and make every effort to ensure the matter is closed in a satisfactory manner.

  Customer response

  10/20/2023

   
  Complaint: 20744098
  
  I am rejecting this response because: I have sent in proof of my insurance coverage multiple times have shown proof of sending it in and have sent in my proof with this complaint there is no lapse
  
  Sincerely,
  
  *****************************

  

  Business response

  10/30/2023

  We have reached out to **************, about the exact nature of the issue, by phone and letter asking to have a phone call with him, together with his insurance provider, to help fix this issue. As responses to complaints through the BBB are made public, we can't go into detail. We take these matters seriously and make every effort to ensure the matter is closed in a satisfactory manner.

• Initial Complaint

  06/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a statement on May 19th stating my account was past due. I immediately on the evening of May 19th logged into my account and found that my payment from my bank was either not sent out or did not get processed properly with Unitus. I contacted a representative who connect me to a manager named ****** who said that once my account was current they could remove the late fees on my account. As soon as my payments went through I reached out to the company about the late fees. I am still unsure if these late fees were reversed as promised. Unitus claims that my payment have been late since February of 2023, which is incorrect. They reported my loan to the credit agencies without first speaking with me about the late payments. I am asking for the late fees to be reversed and for the late reporting to the credit agencies be rescinded. The service representative lied and said this could not be accomplished. Once I stated that after speaking to my financial advisor and that it could, they then backtracked their statement and then said that they would not because my account is delinquent. My account is not delinquent and in good standing now that I have corrected the issue. Unitus is not my bank, I did not know my loan was going to be transferred to Unitus. It is not located in my home state and communication has been difficult.

  

  Business response

  06/26/2023

  We appreciate the opportunity to respond to Ms. ******** complaint. We have researched this issue and, as a courtesy, reversed the late fee and credit bureau reporting. We have reached out to ****************** by phone. We take these matters seriously and make every effort to ensure the matter is closed in a satisfactory manner.

  Customer response

  06/29/2023

   
  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.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  04/29/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I logged into my unitus account at ***** am pst on 4/20 to check my balance and saw the balance in the screeshot provided of $39.43. The following day I logged in any my balance is nearly negative ****. ******* stated I had several charges and deposits. How does a bank with a bank charter not able of keeping an accurate balance and being able to process transactions? I called when I first saw the account, receive a phone call on Monday the 24th. I have received not contact from unitus after that date. No explanation of my account whatsoever.

  

  Business response

  05/10/2023

  We appreciate the opportunity to respond to ****************** complaint. We previously reviewed, and again verified, this issue and determined that there was not an error made. The balance is correct and is due to the manner in which the merchant processes the transactions. We have discussed this with ****************. We take these matters seriously and make every effort to ensure the matter is closed in a satisfactory manner.

  Customer response

  05/11/2023

   
  Complaint: 19999198
  
  I am rejecting this response because: Unitus should be responsible for keeping an accurate account balance. I never actually got any specifics from a Unitus Employee, I was informed by a K Null that she was sending documents to my email. Never received them. I called the other day and a rep told me that I spoke with the branch manager when I never did. They couldn't even spell my last name correctly in their response here. I've received no explanation from Unitus regarding this situation. 
  
  Sincerely,
  
  *************************

  Customer response

  05/17/2023

  This complaint is regarding an error in charges

• Initial Complaint

  04/05/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Since 1/22/23, I have tried to the Credit Union (**) to correct an issue with its info on my account. Despite my best efforts, the info remains uncorrected. Relying on incorrect info places at risk, my account, identity, and my ability to access my money. On 1/22/23, I contacted the ** via its internal messaging (IM) system. In 2019 I changed my email address and informed the **. The ** did not update all of its records. When I tried to include my debit card in Apple Pay (AP) the attempt failed. On 1/23/23, a member of the ** responded by advising me that the info associated with my account shows that I notified the ** of my email change. The rep wrote she would submit this to our digital banking team to look into why it is still showing up for you. I expressed my concern with the misinfo and issues related to hacking that could occur. On 1/25/23, the ** rep responded. In order to address the issue, I must take time out of my busy schedule to speak with our Digital Banking team. I advised the rep that this was not an option. The crux of my argument was, the ** offers many services online. When an issue directly affecting a member is concerned, the ** wants the member to call. The issue was created by the **. The ** refused to reply. On 3/14/23, I took time out of my busy schedule to enter into a chat session with the **. I was seeking info about contacting the *** electronically. The agents would not provide the info to me and instead required that I provide them with info regarding the reason I sought to contact the ***. After several hours of chatting and the reps confirming that the info in the **s files are erroneous, the rep made a veiled attempt at blaming AP. Having spent too much time attempting to resolve the matter, I advised the rep that We are done here. Although the rep wrote, I will be following up with you once I have found a solution to the issue, as of the date of this complaint, I have heard nothing from the **.DO NOT CALL - EMAIL ONLY!

  

  Business response

  04/18/2023

  We appreciate the opportunity to respond to Ms.********* ********** We have researched this issue and found that an error had occurred. We have fixed the error and contacted ********************. We have also updated procedures to prevent this error from happening in the future. We take these matters seriously and make every effort to ensure the matter is closed in a satisfactory manner.

  Customer response

  04/19/2023

   
  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.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  12/12/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Unitus has failed to keep an accurate running balance. My balance is now negative with no explanation. **************** giving incorrect information and not able to describe in detail.

  

  Business response

  12/28/2022

  We appreciate the opportunity to respond to ******************** complaint.
  
  On December 11, 2022, an internal software error caused duplicate transactions on some Unitus accounts. All duplicate transaction reversals have posted to the day of the event, which means there is no impact on interest rates or earnings. Any fees related to this error have been refunded. No merchants or payees received duplicate payments. Affected accounts were never compromised. We have enacted a series of internal controls and procedures to prevent this issue from occurring in the future.
  
  We contacted the member by phone and left a message. We also sent an email along with a notice on the upcoming yearend statement. Unfortunately, we have not been able to connect with the member directly.
  
  We take these matters seriously and make every effort to ensure the matter is resolved in a satisfactory manner.

• Initial Complaint

  11/26/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C **** Account name: UNITUS COMMUNITY CRE Account number # ******************** U.S.C **** Section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 ***********. (a)(5) Section States: 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.15 ******************* A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.15 *********** Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

  Customer response

  12/15/2022

  the reason for my complain is that UNITUS COMMUNITY CREDIT UNION  has furnished false information about me the consumer through Transunion, Equifax, Experian

  y request is for UNITUS COMMUNITY CREDIT UNION stop furnishing this information and deleted the information from my file through Transunion, Equifax, Experian because they are violating all my rights references in my original complain i sent to the BBB. this consumer inaccurate information is cause why other people has being taking adverse action against me, I has reported to CREDIT BUREAUS Equifax, Transunion and Experian  to do a deep investigation on this account but the only answer i que is after disputing this information is that information has being update when it continue still on my file. they advise me to contact this business and after contacting this business response is that they are not the credit bureau

  I request UNITUS COMMUNITY CREDIT UNION remove the information they has furnished against me

  

  Business response

  12/21/2022

  We appreciate the opportunity to respond to ********************* complaint. We have researched this issue and found that we are correctly reporting to all three credit reporting agencies. One agency appears to be incorrectly reporting the data. We have sent a data correction request to this credit reporting agency to ensure the information will be reported correctly. We take these matters seriously and make every effort to ensure the matter is closed in a satisfactory manner.

*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. ↩