ComplaintsforPennsylvania State Employees Credit Union

• Initial Complaint

  07/09/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  RE: ********************************** Year: 2019 VIN #: ***************** To Whom It May Concern: I am writing this complaint in response to threats that PSECU has made against me regarding a matter that I have no control over. On June 9, 2023, PSECU sent me a letter via USPS mail threatening to take legal action against me because you guys have not received a paper certification of title or an electronic lien notification for the vehicle I have chosen to finance with you guys. I have informed PSECU several times via USPS mail and phone call that I am not in possession of the paper certification of title. Furthermore, I have forwarded PSECU all conversations that I have had with the previous lien holder, The ********** ******** Bank in an attempt to correct this situation. PSECU has made no attempt at following up with me on any occasion where I have forwarded them the information I had been given by The ********** ******** Bank. Instead, PSECU has continued to send me notices to forward them a paper certification of title in which I informed them that I was not in possession of. In order for PSECU to obtain a paper certification of title you are going to have to obtain a paper title from the State of Ohio. I have done my part in keeping all of my accounts with PSECU current and do not appreciate such threats being made against a so-called “valuable” customer. I have been nothing but loyal to PSECU dating back to July 23, 2023, when I opened up my first auto loan with the credit union, and would hate to have to terminate my continued loyalty due to unnecessary threats being made against me. If such threats continue to be made against me about a matter that I have no control over, I will have no choice but to defend myself through legal means. Should PSECU need any further information from me to correct this situation, I can be reached at the contact information PSECU has on file for me. Kindest regards, *****

  Business response

  07/12/2023

  I am writing in response to your email dated July 10, 2023,regarding a complaint the Better Business Bureau (BBB) received about PSECU.Please know that due to the sensitive information being submitted, we are working with the individual directly on a resolution.

• Initial Complaint

  04/14/2023

  Complaint Type:

  Delivery Issues

  Status:

  Answered

  More info

  I opened an checking account December 15 2022, I was sent my account information and checks but have yet to receive my debit card for this account. It has been three months and I have been waiting on my debit card to be sent via mail. I have contacted PSECU customer service twice, in January 2023 I was told that I should be receiving my debit card in the mail in a shirt few days. After I still have not received debit card I called the end of January and was told that due to an manufacturing issue the debit cards are delayed, and I would be receiving my debit card in a few weeks it is now March 10, 2023 and I still do not have a debit card for this account. I am frustrated and disappointed in the lack of assistance I am receiving from PSECU. I have not been able to use my account due to not having a debit card. I would like my debit card express mailed to me ASAP. This is ridiculous, I have been receiving statement and other mail from PSECU but not one debit since I opened the account December 2022. account number **********

  Business response

  04/26/2023

  I am writing in response to your email dated April 18, 2023,regarding a complaint the Better Business Bureau (BBB) received about PSECU.Please know that due to the sensitive information being submitted, we worked with the individual directly on a resolution.

• Initial Complaint

  04/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  February 13,2023 I filed an unauthorized transaction dispute for a transaction made of $14,000 with ******* jewelers, I submitted documents on of a police report proving that my wallet was stolen and the transaction wasn't my doing, since ******* provided a signed receipt it was automatically reversed back to my account, I am not obligated to pay this debt and would like for it cleared from my account and credit report.

  Business response

  04/26/2023

  I am writing in response to your email dated April 14, 2023,regarding a complaint the Better Business Bureau (BBB) received about PSECU.Please know that due to the sensitive information being submitted, we are working with the individual directly on a resolution.

• Initial Complaint

  04/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My husband had an account balance with PSECU at the time of his death in November of 2019. I called them and informed them of his passing and asked what I had to do in order to have the funds released to me and I was asked for contact information and told that someone would be contacting me to let me know what they needed from me. I was also told that they would mail me the paperwork to fill out and send back along with the needed documents. I never heard back from anyone and nothing was ever sent so I assumed there was nothing there. Then I received a letter from them today 3/1/2023 stating for the past two months his account balance has not met the minimum share balance of $5. That lead me to believe there was something there when I initially contacted them in December of 2019. I contacted PSECU again today 3/1/2023 and explained the same thing to them and I was told the account had been closed and that they've been charging dormancy fees since his passing

  Business response

  04/25/2023

  I am writing in response to your email dated April 13, 2023, regarding a complaint the Better Business Bureau (BBB) received about PSECU. Please know that due to the sensitive information being submitted, we contacted the individual directly and consider the matter resolved.

• Initial Complaint

  04/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Upon reviewing my consumer reports, I noticed that PENNSYLVANIA ST EMP C U reporting negative information in a form of late payments to the consumer reporting agencies Transunion in reference to me as the consumer. Pursuant to 15 USC 1681s-2(a)(7)(E), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b(a) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I am demanding PENNSYLVANIA ST EMP C U to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7(g) PENNSYLVANIA ST EMP C U are required to comply with this opt out notice upon receipt and comply with the follow:Remove all late payments in reference to account # ***************Update with the consumer reporting agencies

  Business response

  04/20/2023

  I am writing in response to your email dated April 7, 2023,regarding a complaint the Better Business Bureau (BBB) received about PSECU. Please know that due to the sensitive information being submitted, we are working with the individual directly on a resolution.

• Initial Complaint

  04/04/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This company holds my auto loan. I pay 405.13 a month and have a balance of 13,733. I had 2 late payments which have been caught up and paid. I am now paying on time. My monthly payment is due on the 11th. My wife pays all our bills on line with a debit card. Because of the late payments they blocked our account so we had to call in every month. They won't let my wife do that because her name is not on the account. I have given them authorization for her but they require it every time. So what's the point. They gave us a quick pay page that never works. I told my wife to call in and say she was me to pay it because I am only home 2 days a week. They call her a liar and restricted all online payments. Now they require that I call and give their operators my bank account and routing numbers every month, which I am not comfortable with.

  Business response

  04/14/2023

  I am writing in response to your email dated April 5, 2023, regarding a complaint the Better Business Bureau (BBB) received about PSECU. Please know that due to the sensitive information being submitted, we are working with the individual directly on a resolution.

• Initial Complaint

  03/14/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I am a traveling veteran and I was the victim of fraud and forgery and PSECU didn’t have my best interest. I was in Mexico City MX and went to a bar with a friend on 11/16/22. We ordered 6 drinks and they said that the total was $250! Begrudgingly I initially used my credit card and the waiter returned and said that my card didn’t work. I checked my PSECU app and saw they ran my card for $1281.71. I immediately confronted them and they said it was an “error”and gave me a canceled transaction receipt that was for the amount they charged me in pesos. Unbeknownst to myself at the time, not only did they not cancel the erroneous charge, the canceled slip they gave me wasn’t my card and the date was for the previous month when I wasn’t even in Mexico. I called PSECU immediately and had my card canceled and filed a dispute. 3 months 03/07/23 later the bar forged my signature and submitted it as legit. PSECU told me that they are siding with the merchant and there is nothing they will do. I asked PSECU to ask the merchant to provide an itemized bill of the transaction- they said they can’t. The location of the transaction should reflect the bar location I was at. Wasn’t at name and location on forged receipt.The place doesn’t exist. There is no “chop resturante” in Mexico City. I went to ****** and saw review after review that this Paris bar is notoriously known as credit card scammer and been going on for quite some time. I presented all the evidence that I was a victim of fraud and PSECU states I am liable. I been a customer for over 10 years, banking and mortgage. If this isn’t remedied I will be switching mortgage companies and current in the process of canceling my credit card and banking service with PSECU. They don’t support their members in fraud situations. Ironically I actually asked customer service before I left if I can add some sort of credit limit that I can set to authorize to avoid all this. PSECU account  #**** ***** Bar ****** ***********************

  Business response

  03/28/2023

  I am writing in response to your email dated March 15, 2023,regarding a complaint the Better Business Bureau (BBB) received about PSECU. Please know that due to the sensitive information being submitted, we are working with the individual directly on a resolution.

  Customer response

  04/05/2023

  [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. 
  I havent received a resolution as of yet. I was contacted by PSECU and theyve yet to tell me the outcome of my complaint. Ill accept that they said they are working directly with me before I actually know the resolution, however Im hoping for a positive outcome.
  Regards,
  
  **************
  
  

• Initial Complaint

  02/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Pescu took my payment over the phone but did not apply the payment to my account (December 2023). They then called me to advise me my payment was late in January 2023. I processed a payment with the rep over the phone but she did not tell me of the missing payment for December. Which was not applied due to their own error. They then reported my account 30 days late on my credit report and are unwilling to reverse due to their own mistake. I have always made payments on time but they are unwilling to correct their own mistake.

  Business response

  02/15/2023

  *********************************
  Better Business Bureau of
  Metropolitan Washington DC and Eastern PA
  1337 North Front Street
  Harrisburg, PA17102
  
  Dear ******************,
  
  I am writing in response to your email dated February 2, 2023, regarding a complaint the Better Business Bureau (BBB) received about PSECU, which was assigned the ID of ********.
  
  Please know that due to the sensitive information being submitted, we contacted the individual directly by phone on February 8, 2023, and consider the matter closed.     
  
  Thank you for sharing this correspondence with PSECU. Please do not hesitate to contact me again if you have any questions or feel I may be of further assistance.
  
  Sincerely,
  
  *************************************
  Administration & Board Governance Analyst I

• Initial Complaint

  12/14/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  PSECU closed my account without even contacting me. Saying they couldn't verify my job after I sent in tax returns and W2s. Very shady bank. Had a credit card, checking, and savings account with them.

  Business response

  12/21/2022

  We appreciate receiving our members feedback as we take our members concerns very seriously. For confidentiality reasons, we contacted our member directly on 12/19 and consider the issue closed.

  Business response

  12/23/2022

  
  As we indicated in the prior response, we contacted you directly on 12/19 and consider the issue closed.

  Customer response

  12/23/2022

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: Unfair business practices and was led to by the company. 
  
  Regards,
  
  *******************************
  

• Initial Complaint

  12/13/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  A wire transfer was made to my account on 11/25, but it has not shown up in my account. The sender has an ***** and a payment record, which I attached. I can't get ahold of PSECU. They won't message me back on the "secure message" system and the wait time on the phone was 40 minutes +, I called several times with no success. The sender is getting impatient and starting to think I stole their money. Please find out what's going on with this. I attached the ***** and payment document.

  Business response

  12/15/2022

  We appreciate receiving your feedback as we take our members' concerns very seriously. For confidentiality reasons, we contacted you directly and will continue to correspond until the issue is resolved. Your feedback is important to us. Thank you for sharing it with us.

  Business response

  12/22/2022

  We appreciate your feedback as we take our members' concerns very seriously. For confidentiality reasons, we spoke with you via phone on 12/22/2022. Please feel free to reach out to us if you have any additional questions.

  Customer response

  12/22/2022

  [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,
  
  ********************
  

*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. ↩