ComplaintsforClearview Federal Credit Union

• Initial Complaint

  09/13/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I, ******* *******, the consumer, was denied on March 5, 2024 when I applied in good faith for an auto loan through my credit union, Clearview Federal Credit Union(CFCU). I have sent several letters that have gone unanswered. I have received only one response. According to the law, the lack of response is a violation of my rights. I have read The Federal Reserve Act section 29 and I fully understand my rights. I will include the law here.Adverse action applies to insurance and employment, neither of which I applied for. I know my application was my security collateral. You have received your consideration however, I have not. Adverse action against a consumer is unlawful according to the ****, which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692k. They are subject to criminal liability by violating 15 USC 1691 as I have proof that I was discriminated against.I know from Section 16 of The Federal Reserve Act that my application was the security collateral valued at the requested amount. Clearview Federal Credit Union is also currently in violation of 15 USC 1642, 15 USC 1681m and 12 CFR ******. Being that it is September 13, 2024, 192 days have passed since March 5, 2024 the date I submitted my application. (d) Maximum Amounts Of Penalties For Any Violation Described In Subsection (c). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection (c) for any violation, practice, or breach described in such subsection is--in the case of any person other than a member bank, an amount to not exceed $1,000,000; and in the case of a member bank, an amount not to exceed the lesser of --$1,000,000; or 1 percent of the total assets of such member bank.

  

  Business response

  09/18/2024

  Regarding the loan for which you applied and were denied on March 5, 2024: Clearview acted in accordance with the Equal Credit Opportunity Act (****), and all other applicable federal laws.
  
  In addition to the several conversations you had with our lending staff,explaining the reason for the denial of your application, you were also provided with an adverse action notice, as required by the **** and Fair Credit Reporting Act (FCRA).
  
  Adverse action notices under the **** and **** are designed provide transparency, and help consumers understand the credit underwriting process by requiring creditors to explain the reasons an application for credit was denied or provided on less favorable terms than originally requested.
  
  Clearview does not discriminate against any loan applicant on the basis of basis of race,color, religion, national origin, gender, marital status, age, receipt of public assistance, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act, or any other prohibited factor.
  
  Regarding the other various pseudo-legal claims that you make, we assert that they are disingenuous and not made in good faith. They have no basis in fact or law.
  
  Clearview considers this matter closed.  

• Initial Complaint

  07/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was a Parkview Community Federal Credit Union member and I seen online they were doing a merger with Clearview Federal Credit Union in 5 days I contacted Parkview and informed them i had no way to access my funds because I had no banking information or debit card from new bank due to address change Rep stated I needed to update my information with Clearview however no one would be available until after the merger on July 1st I received direct deposit the weekend of the merger After merge I contacted Clearview and updated my information the rep informed me that I had 833.48 in my account available to use I was given this information because I had no online banking or debit card yet due to address change When I finally received my debit card and checked the ATM I had a negative balance I called Clearview again and rep stated all of my transactions from the weekend of the merger posted and the money was taken back 1 week later the same thing happened and rep informed me that those transactions just posted Now today July 23rd I check ATM and I am negative over -600$ after I just had a balance of .67 the night before so I called Clearview again and they stated the same thing I have been charge a total of $1800 since merger and I was only reliable for $5// every week and half Clearview pulls an extreme amount of money from my account and stating it's old transactions that have not posted but in reality I see when money leaves my account via ATM ATM reflects ledger balance which is money spent but not posted and then Available balance I am being scammed and it is becoming an issue and getting of the way being able to take care of my son I have been charged 3x for the same issue

  

  Business response

  08/02/2024

  Based on a review of call recordings, initially the member was asking for her debit card to be expedited.  Due to a personal situation, the member provided a bogus address to Parkview Community Credit Union.  Because of that, all of the merger communications were sent to this fake address so she did not receive any important mailings from Clearview.  Once the correct address was provide a card was sent by FedEx to her on 7/9.  During subsequent calls, she expressed her dissatisfaction of trailing transactions – the transactions that had not posted in Parkview’s system before accounts were migrated into the Clearview system.  She called Clearview to get her balance and at the time she did have funds in her account but then the trailing transactions hit afterwards and caused her account to go negative.  On a last call on 7/26/2024, our member wanted to close her account and asked that we not communicate with her again.  Since the transactions were legitimate, there will be no refund issued.  All members are expected to keep an account of their balances and expenditures.

• Initial Complaint

  06/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Taking money out of my account without my permission

  

  Business response

  06/14/2024

  A Clearview representative spoke to our member on June 12, 2024 regarding his account.  The representative explained that the terms of the loan documents, which were signed, detailed that Clearview as the lender has the right to offset when a loan is past due.  Clearview did not take a payment (offset); however, the funds were placed on hold from his account due the loan being past due.  Once contact was made with the member, and we received his promise to pay, the hold was removed as a courtesy.  

• Initial Complaint

  05/09/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I submitted a fraud report in the amount of $468 on 4/16/2024 to Rhonda at your Bloomfield branch. on 4/19/2024 I was provided a credit of $334. I am still owed $134.00. I want this money reversed back into my account, and I would like a copy of the investigative report I turned in, as requested weeks ago. I would also like an explanation as to how the fraud investigation team came up with this $334 amount. Thanks.

  

  Business response

  05/10/2024

  As the member stated, she completed and submitted the required fraud paperwork on April 16, 2024 which included multiple amounts totaling $439.34.  Two provisional credit refunds were applied to her account, $104.94 on April 16, 2024 and $334.40 on April 19, 2024.  The two refund amounts equal the $439.34 total on the original paperwork.  In addition, the member did ask for the fraud paperwork that she filled out; the branch location where the claim was filed did print that for our member.

• Initial Complaint

  04/21/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had received an extra charge on my account at Clearview Federal credit Union for $390. The amount was only supposed to be seven dollars because of that it made a negative balance on my account and due to that I ended up getting paid and my paycheck went towards that negative balance and I lost it. I had other fraudulent charges on my account, which had caused my account to go negative further I have made repeated request and phone calls and correspondence with Clearview to try to solve this matter and they are refusing to continue to help me to try to get any of my money back into dispute these charges further.

  

  Business response

  04/24/2024

  Regarding our member's concerns.  It appears that the dispute for $390 was closed on 4/22/2024 due to no response to the requested information.  Letters to the member are attached.  The additional charges to the member's account were refunded in the amount of $322.98, plus the fees totaling $105 were returned; and it was noted that this was not fraud related.  

• Initial Complaint

  02/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This bank intentionally closed and hid my credit card account so that I could not adjust the payment amount. In addition after five phone calls they refuse to manually adjust or reverse the payment. I can supply screen shots showing they disabled my ability to make changes if needed.

  

  Business response

  02/15/2024

  Our member initiated an external transfer payment from another financial institution via Clearview’s online banking platform on 1/31/2024 to pay-off her Clearview credit card.  The card had been in a past due status during an automated card reissue process.  If a card is past due at that time, the card will not be automatically reissued and will close once a payoff is received.  In addition, when a card is closed, it will automatically be removed from online banking view.  Our member still had access to view the card in Clearview’s online banking until 2/2/2024.  During a recorded call with our Member Resolutions Department on 2/5/2024, the member told our representative that she intentionally scheduled the payoff.  On 2/12/2024, the member then initiated a reversal of the payment from their other financial institution referencing “Clearview is not known and/or is not authorized by receiver (our member) to debit the receiver's account”.  The payment was reversed and returned to the other financial institution on 2/12/2024.  If she has more questions regarding the status of her credit card and account with Clearview, she should reach out to our Member Resolutions Department.
  

• Initial Complaint

  01/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I've been attempting to address these issues with no success. The letter I sent to the credit bureaus prompted a response from your firm, indicating that my request for verification of inaccurate items on my report was considered "frivolous" or "irrelevant." I want to make it clear that I do not view a matter of such importance to me as frivolous or irrelevant. If my original request to verify the items mentioned in my previous certified mail is not honored, I will take further action by filing a complaint with the Federal Trade Commission against your company. Therefore, I insist on a thorough reinvestigation of the following information. I respectfully request proof of the alleged item, specifically the contract, note, or any other document bearing my signature. If such evidence is not provided, I expect the prompt removal of these items from the report.

  

  Business response

  01/29/2024

  Clearview has responded to our member's repeated credit reporting disputes as required by all applicable laws, including the Fair Credit Reporting Act.  If our member has any further questions, he should please contact Clearview's Compliance Department.

  Customer response

  01/30/2024

  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.
  
  It's is clearly an inaccurate reporting account on my consumer report and it is affecting me personally. I need it deleted from my consumer report.
  
  Regards,
  
  ******* ****

• Initial Complaint

  11/29/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had unauthorized charges and double charges on My account. I filed a dispute the day it happened. This was Oct 2 and I am still waiting for a response, my account is still very negative because Clearview despite seeing the duplicate charge and being explain on the phone and in writing (their request,) I'm still out the money, what point to be insured n protected if the merchant can just refuse to pay a duplicate charge and that's that?? I explained in detail ... this isn't fairim out over 500$

  

  Business response

  12/04/2023

  Member called in and spoke to our Member Resolutions Department on 10/20/2023, explaining to the advisor that on 10/3/2023 she had filed disputes on three transactions.  Our member told the advisor that she could not pay the full past due amount and that if we had to close the account, it is what it is.  The advisor told our member that disputes can take up to 120 days and that she was on day 23 of being past due; also mentioning that once an account reaches 30 days past due the account would be charged off.    

  Customer response

  12/05/2023

  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.
  
  To start who in their right mind would say it is what it is to a loss.of nearly $600. What was said was I filed out tour forms I did my part I can NOT cover the negative balance due to fraudulent activity, the bottom line here is that I am owed money back and I should have been protected under one of the many "claims" against fraud instead I am completely out... I've lost my money and now my account.  It's insane there is not a middle ground to support your customers .... 

  So you expect me to say it is what it is to almost $600... I did beyond my part I notified u right away I did the forms I waited over half the "possible" time... 

  Something needs done here!!!

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

  

  Business response

  12/07/2023

  The following details and communications are being provided regarding the member's concerns.

  --Debit Card dispute was filed by our member on 10/2 for 2 charges - $177.21 AGODA.COM Days INN posted on 9/27/2023 and $384.54 BKGHOTEL AT Bookings.com on 9/21/2023.
  --On 10/10/2023 member called in and spoke to a member resolutions advisor; she was advised that it can take up to 120 days for a dispute resolution; and if an account falls below zero and remains under zero for a period of 30 days, the account will be closed.  The member was advised of this, and she told the representative that she could not pay the full negative balance.  The account fell below zero on 9/27 and was closed on 10/27.
  --Our Debit Card partner sent a letter to our member on 10/24/2023 asking for more information (merchant contact information and cancellation dates).
  ----Member had until 11/8 (15 days) to respond back with the requested information needed to file dispute with the merchant.  The information was never received. 
  ----On 11/16/2023, our Debit Card partner noted in the dispute case that no response was received and the dispute case was closed.
  --During the conversation with our member resolutions advisor, our member mentioned a third transaction of $34.08 from Quality Inn which was a booking fee that she said she should not have paid to the hotel. There was no dispute officially filed by the member on this transaction.

  The original complaint comment referenced a dispute, which is when a member has a dispute on a charge or product that they initiated.  The subsequent response mentions fraud activity.  Being that it appears that transactions were initiated by the member with the hotels directly or through booking.com, this would not be considered fraud.

  A recommendation would be for the member to contact the hotels or booking.com for resolution.

  Customer response

  12/07/2023

  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.
  
  For 1 I already stated I sent the letter back that was sent to me. Noone reached out and said it wasn't received how was I to know it was not received when I mailed it like i was supposed to 

  For 2 this was UNAUTHORIZED charges and has been said that..  

  The 3rd charge was supposed to be 10% cancelation fee but I stated the math was seriously wrong . 

   

  i did reach out to booking.com in the beginning remember that is a requirement of your institution to even file a dispute 

  Explain to me how I'm being punished for something I did not do and addressed immediately?

  I can't put money in the account when I was just taken for over 500...  
  
  
  
  ******* ******

• Initial Complaint

  11/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have a car loan through clearview federal credit Union. I pay my car loan through my clearview checking account. I recently totaled my vehicle and clearview received a payment from my insurance company. I also have gap insurance. My payment was due on 11/25/2023. I informed my credit union I was going to use my 7 day grace period to allow my gap insurance to pay and avoid an unnecessary payment on my end. My credit union/clearview, automatically went into my checking account on 11/25/2023, due date, and took the payment without my permission after I told them I was using my grace period. This drained my account to zero and will cause overdraft fees on debits I’ve already made.

  

  Business response

  12/04/2023

  A representative from our consumer lending area spoke to our member regarding this situation.  There was a miscommunication of what our member's options were while dealing with the total loss of his vehicle.  The manager's contact information was provided so that information from the insurance company could be forwarded to her.  The payment and fees were refunded to the member's account.  A subsequent conversation was had with our member on 12/1/2023, letting him know the claim payment was received and would be posted.  The manager ask if he felt that the complaint was still valid; he said no and that he would work on removing the complaint by 12/4/2023.  He was pleased with the conversation and that we were able to help.

  Customer response

  12/04/2023

  [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. 
  
  Regards,
  
  ***** *******

• Initial Complaint

  10/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My sister overdrew her account by $721. Because my mother is a joint account holder for my sister, and also for me, but not linked together what so ever, Clearview Federal Credit Union took $721 from my savings account without authorization. Clearview should have declined those transactions far before it got that negative. They shouldn’t be scraping pennie’s where they can find it. They need to hold ******* responsible for her actions. They need to be charging her interest, taking it to collections, taking her to court, etc.

  

  Business response

  10/25/2023

  A hold of $721 has been placed on the complainant’s/member’s account.  Clearview reserves the right to offset any account in which a member or joint member has part ownership in, which is a detail outlined in our Terms and Conditions.  Since the mother is listed as a joint owner on each of her daughters’ accounts, that is the reason for the hold.  Clearview has spoken to both our member and mother explaining the situation.  Since the complainant is not a joint owner on her sister’s account, we could not detail the nature of reason for the hold; however, a detailed explanation was provided to the mother as to why the hold was placed on the account and the nature of the other account.

  Customer response

  10/25/2023

  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.
  
  Clearview, this is entirely your fault. You should have declined that account far before it reached $700 short. 

   
  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. ↩