ComplaintsforFounders Federal Credit Union

• Initial Complaint

  07/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The dates I recall have been 06/15/2024, 07/01/2024, 07/15/2024 and they said they will draw out again on 07/30/24.The amount so far has been $483 or more.We had car insurance coverage through the bank but it was to high and the coverage was low so my wife and I found a new insurance company as of 06/07/2024.We have had USSA auto insurance since 06/07/2024, USSA sent founders federal credit union all the documents needed and I sent copies I had, but still they continue to pull money out of our bank account which we cannot afford to pay. **** told me it was insurance fraud for them to still be charging us after we had a new insurance company. Please help us resolve this and recover our money.

  Business response

  07/18/2024

  We have spoken with *************** regarding the lapse in her insurance coverage.  We have explained and answered her questions about the addition of ******************************* (CPI) coverage and the resulting increase in her payment amount.  She appeared to understand the payment increases for the scheduled payments during the lapse of her insurance coverage.  She also appeared to understand the premium will decrease back to the original payment amount once the premiums for the period of the coverage lapse have been paid. Once ************** provided proof of her insurance coverage, the difference in the remaining CPI premium was refunded.  If she has additional questions, she will need to visit the local branch, or she may view her account statements in online banking.  We consider this matter closed.  
  
  

• Initial Complaint

  07/11/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Investigate Fraud and Identity Theft and Illegal Actions by Police Brutality In Character Assination by Refusing To Investigate Criminal Charges Unathorized by Criminal Intent by Manager ************************* And My Requirement is To Refund The Holiday Inn Charges And Block Further **************** Indemnity by Founders Federal FCU Credit Card Issuer *************************** ********** Officer ***** Has Admitted To Relocation in South Carolina by *********** of ************* ***********************. *** Drug Felon From ************************************ Investigate This Observation of Justice in **** Indemnity

  Business response

  07/17/2024

  Founders has made the decision to no longer directly respond to this member. We have addressed these concerns multiple times over the last several years and will not engage the member any further.

  Customer response

  07/17/2024

   
  I am rejecting this response because:

   

  Investigate With Impunity 

  Holiday Inn Orlando Illegal **** Indemnity $358 Charges 

  Required Termination Of Accounts Associated with **** Debit Cards in

  Founders Federal Credit Union Issued by Illegal Underground Operation ******************************************* A Criminal under *** ************ For illegal Forgery In **** Credit Indemnity in ** And Florida - Involved is ******************************** in ******* Printing of Conterfiet ******* Passport Indemnity Illegal To AAA Criminal Investigations Fraud Agents in ************* AND Orlando *** 

   

  Business response

  07/18/2024

  Founders has investigated all direct claims related to Mr. ******* accounts on multiple occasions. Allegations made in his most recent rebuttal to our response are outside the scope of any information relevant to Founders or any transaction to which Founders is a party. Founders has exhausted all efforts to provide **************** with a satisfactory response to his claims, and we deem this matter to be closed as it relates to Founders involvement.

• Initial Complaint

  07/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is a fraudulent account that was reported to local authorities with fraudulent charges they are trying to make me responsible for. Im not paying these charges and they have yet to provide me with the details regarding these charges.

  Business response

  07/15/2024

  Our research indicates that the disputed card account belongs to *************************. The card charges made were determined to be valid. We will mail a letter (attached) to the member that includes a Founders contact for follow up. Founders will consider this complaint closed unless the member can provide additional information to verify his claim. 

  Customer response

  07/15/2024

   
  I am rejecting this response because:
  
  they have not provided the documentation requested showing this account did not have any fraudulent transaction take place. A police and identity theft report was filed. They have violated my rights when it comes to the credit reporting act by not re-investigating this account.
  

  Business response

  07/19/2024

  We are gathering documents to provide to ****************** in regards to our investigation and decision.

• Initial Complaint

  05/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The * ***** location incorrectly reported a delinquent account to the ********************** bureau for a balance of $4 on an account that was current. The balance has since been settled yet the bank has not yet corrected the report. Upon attempt to visit the bank manager ***** submit a credit dispute on 5/22, the bank manager had left before the end of the business day after promised he would be there to handle my matter. I am a healthcare worker and had to leave my job for this visit. This was a disrespect of my time and money for a matter that should never have been an issue. I am requesting my credit report is immediately updated.

  Business response

  05/30/2024

  We have verified that the Credit Union's credit reporting is accurate for the account ************** is disputing. We will send a letter to the member since we were not able to contact her to discuss this matter further.

  Customer response

  05/31/2024

   
  I am rejecting this response because:
  Balance was settled 5/3/2024.

  Account is currently closed with this bank.

   

  Business response

  06/04/2024

  We have attempted to contact the member by phone and have provided written correspondence for follow-up. We have determined through our investigation that the credit reporting was accurate based on the amount the member paid towards her balance in office on April 12, 2024, as that amount was not sufficient to satisfy the payment due. That balance has been paid in full and the account is reporting as paid with a zero balance. This complaint will be considered closed.  

  Customer response

  06/04/2024

   
  I am rejecting this response because:
  The monthly payment was made and verified by the attendant receiving payment. This account should have not been reported. 

• Initial Complaint

  04/30/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this **** with charter communications, I do not have contract with FOUNDERS FCU, they did not provide me with the original contract as i requested.

  Business response

  05/08/2024

  The following response has been mailed to the member.  

• Initial Complaint

  02/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  15 U.S. ****************** liability (a)Individual or class action for actual damages Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than $10,000.15 U.S.C. **** - Founders Credit Union disclosed my bank account information without my consent, which led to the violation of this law, as it pertains to the unauthorized disclosure of nonpublic personal information.15 U.S.C. 6821(a) - Founders Credit Union furnished incomplete or inaccurate information about my closed account, that they on a record line reassured me would not negatively report on my credit report which led to a violation of this law.15 U.S.C 1681S-2 (a)(1)(a) - Founders Credit Union made a falsified statement about my account and failed to investigate and correct the inaccurate information, which led to a violation of this law.15 U.S.C 1681S-2 (b) - Founders Credit Union failed to investigate and correct the inaccurate information, which led to a violation of this law.12 CFR 1022.41(a)(2) - Founders Credit Union made a falsified statement & reported Inaccurate information about my account status and failed to investigate and correct the inaccurate information, which led to a violation of this law.12 CFR 261a.11 - Founders Credit Union disclosed my bank account information without my consent, which led to the violation of this law, as it pertains to the disclosure of system records.Defamation of Character - The statement made about me was false. The credit union falsely reported the account as charge off delinquent when it wasn't. The false statement was communicated to a third party.

  Business response

  03/01/2024

  The member has been contacted to review the details of her complaint. Management is actively working with her to resolve the issue.

• Initial Complaint

  02/13/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have not been able to make a payment on my car since November. My car was repossessed last Thursday (2/8), which is beyond fair and I understand the reasoning. I called Thursday and was told it would be $1085 to get my car back. I called this morning (2/13) after taking out some loans and was then told that was not the case and that Id actually be charged $12,877 to get the car back. I appealed the decision and they claimed they requested for me to just be able to pay the past due amount, but that it was denied. When they called me back to tell me this, they changed the payoff amount to $12,590. Albeit lower, Im just not understanding how the amount keeps changing and Im being told that I was not promised a rate of $1085.

  Business response

  02/15/2024

  The member was contacted to further discuss the details of her complaint February 14, 2024.  We are actively working with the member to resolve this issue to her satisfaction.

• Initial Complaint

  12/18/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The debt with Founders Federal Credit Union was paid in full and I am continuing to get marks on my credit score because of it. I do not consent to the debt owed and I find the total to be inaccurate. I request the debt and marks on my credit to be removed.

  Business response

  12/21/2023

  The member has submitted prior disputes regarding this account and each time we have verified the Credit Unions reporting is accurate.   The member has not provided any additional documentation to support their claim.

• Initial Complaint

  10/06/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable for this debit with Founders FCU, I do not have a contract with Founders Federal Credit Union, they did not provide me with the original contract as requested.

  Business response

  10/11/2023

  We spoke with the member and confirmed that she was disputing other tradelines and that it was not her intention to dispute her Founders' account.  We consider this matter reported in error by our member and closed.   

• Initial Complaint

  10/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Founders has a hardship program that they don't promote but it is there to help people in my situation, however; I didn't qualify for it because I didn't know when I would be returning back to work. September, I finally started back working after being without a job for 4 months, still made payments on my loans as best as I could, whilst maintaining my other bills. I started working on 9/11/2023 and received my first paycheck on 9/29. I had spoken with *********, who is a lead in Loss Control, and we set up an arrangement on my auto loan for $445. Prior to use setting up the arrangement my checking account was overdrawn by $55.47. She and I agreed to set up the arrangement for 9/29 in the amount of $445. My account didn't have any holds on it whatsoever, other than it being overdrawn. On 9/25 I went to the bank and deposited a check in the amount of $200 and the teller had to reach out to Loss Control to verify the arrangement that ********* and I had set up. Once confirmed the teller deposited the check and I had an available balance of $147. I looked at my account and seen that it was overdrawn by $752, and the memo said funds hold. So, I then contacted the bank and directed to ********* in Loss Control, who at that point was very rude and unprofessional when I asked why was there an Funds hold on my account and could that be released being that she and I had already spoken days prior to set up an arrangement, she rudely told me no, so i then in return stated that I had no other choice but to reach out to my HR department to get my direct deposit stopped because I knew I had to pay the $445 that we agreed on and I had to pay for a place to stay. Once speaking with my HR department and learning that it was too late to stop my direct deposit from going into my account, I just left the situation alone and faced the fact that I wouldn't be able to move, and that half of my check would be taken because of the funds hold that was placed. I didn't have enough money to pay the $445 on top of the $752 that was being taken out, so I stated that I would just pay the $445 on my next paycheck on 10/13. On 10/4 I tried to use my debit card to pay for an application fee for an apartment and my card declined. I was confused because I knew that I had money in my account. I checked my online banking and seen that both, my checking account and my minor daughter's savings account was overdrawn. My checking account was overdrawn by $1109, and her savings account was overdrawn by $1655. I immediately reached out to Loss Control to see why and again I was placed on the line with *********, she was yet again very rude, unprofessional and overtalked me. She was very argumentative and combative and talked to me as if I wasn't human. She told me that I had enough money to pay for both, the $752 and $445 on 9/29 but I chose to pay other things, and for that my car is approved for repossession and that she isn't removing the holds off of neither of my accounts. There were two holds for the same amount $1655. One on my checking account and the other on my daughter's savings account. I explained to ********* yet again my situation and she still didn't care and was amendment about not removing the holds. I explained to her that my daughter receives court ordered child support payments and that her funds couldn't be held and that they are protected funds. She argued that they weren't child support payments and that my name is on the *** and that she could and would hold the funds and that it wasn't anything I could do about it. If it didn't say Government funds that she can and will hold them. I emailed ***************************** and ***********************. I did get a call back from the branch manager *************************, who was very helpful and supportive. She had gotten most of my issues resolved, but after banking hours I checked my account again, and the $255 in my daughter's savings account that was once available after speaking with ****** was once again on hold.

  Business response

  10/06/2023

  The member was contacted, and alternate arrangements have been made based on her request. She indicated in the conversation that her dispute was resolved to her satisfaction.    

  Customer response

  12/19/2023

   
  I am rejecting this response because:

  My account was closed abruptly. I received no notification that my accounts would be closed due to a loan that had charged off that I thought was taken care of in full back in September. My daughters savings account which has state issued funds direct deposited into bi-weekly was even closed. Im currently going through a financial hardship, in which, *** tried a few times to apply for a financial hardship plan through founders which they denied because at the time I didnt know when Id be returning back to work. I was unemployed due to no fault of my own for five months and fell behind on all of my bills. I made founders aware of this. Im making payments towards my past due loans; however, this one particular loan I thought was paid in full whenever founders loss control had taken over $700 out of my account to take care of the express loan has caused my accounts to be closed. And this has left me with no money because they placed my funds on hold and restricted my debit card. I have no money for food, gas nor necessities for my daughter. I have scheduled direct deposit from my job coming in this coming Friday and now I wont be paid on time, and its the holidays. This has caused great stress for me and an embarrassment, as Im not able to take care of my child if anything is to happen because my money is gone, card is restricted and my accounts are closed.

  Work with me with getting my accounts together and allow me to have access to my accounts
  

  Business response

  12/21/2023

  The member was contacted, and alternate arrangements have been made on her account.

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