Complaints

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

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  First South Financial Credit Union

  6471 Stage Rd Ste 200 Bartlett, TN 38134-2847

• 

  First South Financial Credit Union

  3562 Kirby Pkwy Memphis, TN 38115

• 

  First South Financial Credit Union

  3731 Austin Peay Hwy Memphis, TN 38128

• 

  First South Financial Credit Union

  F & 6th St. NAS Millington, TN 38054

• 

  First South Financial Credit Union

  332 N. Lauderdale Memphis, TN 38105

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:12/24/2023

  Type:Customer Service 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 am not liable for this debt with First South Financial CU. I do not have a contract with First South Financial CU. They did not provide me with the original contract as I requested.

  Business Response

  Date: 12/28/2023

  Thank you for bringing this matter to our attention. We have reviewed your concerns and the circumstances surrounding the information provided to the credit bureau. While we do show a balance owed on this account,it has not been reported to any credit bureaus at this time. We would be happy to work with you to settle this debt.Please call us at ************ to discuss payment arrangements. 

• Initial Complaint

  Date:10/13/2023

  Type:Product 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.

  When I opened my account with ***************************************** to purchase a vehicle, they required me to pay a $25 deposit. Once the vehicle was paid off, I was owed a balance by the bank. I called to request a check be cut for the balance remaining on my account. The representative informed me that they would keep the $25 deposit and refund me the balance after that. This $25 deposit is my money and not a fee paid to the bank. The $25 is part of my balance in my account. it shows it on my statement. This proves that it is not a fee owed to the bank, because if it was, it would not be part of my balance. The representative was very rude and condescending towards me. She had the attitude of it is what it is and good luck to you. She got even more upset when I told her its taking me three days of multiple phone calls each day to finally get a representative on the phone. she said well thats just because were busy. After looking into this it seems to be a common issue with this bank. They need to be investigated for keeping their customers money just for closing their account. It is not discussed upfront that this money will be taken from the customers once the account is closed. This bank is very deceptive in their practices and should be Made to be upfront and honest with all fees and how things will be handled. I have statements printed that show this money belongs to me as it is part of my balance in my account. I am owed my deposit returned.

  Business Response

  Date: 10/16/2023

  We have reviewed your concerns and the circumstances surrounding the closed account fee assessed on 10/13/23 when you closed your account with us. As a *********************************************, we are member owned. Upon account opening,each member purchases a share in the credit union, which is $25. This $25 stays on deposit, on hold, in their Savings share. Upon closure of any account, there is a $25 closed account fee; so essentially, the $25 that was deposited at account opening covers the cost of the closed account fee. This is specified in our member disclosures and on our fee schedule. Our records indicate that you entered into a loan agreement with First South, via an Indirect Dealer Partner,on 12/31/2016. When a member comes to us through a dealer partner, First South Financial makes the required $25 deposit for that person. This means that you did not come out of pocket for this $25, so when the fee was charged at account closing, the ********************************************* simply kept the funds that we had paid for you in 2017 at your account opening. We hope this helps clear up any misunderstanding, but if you would like to discuss any further, dont hesitate to give us a call at ************.

  Customer Answer

  Date: 10/17/2023

   
  Complaint: 20732883
  
  I am rejecting this response because their explanation is not factual or have merit. They simply just kept my money by charging me a fee for paying off a loan. Charging a bogus fee to a customer for meeting their obligation and paying back a car loan is ridiculous and not to mention bad business. If you look at their  reviews online you will see a pattern of extremely bad practices that have left a wake of former customers. Is the $25 worth losing a customer? I can guarantee that for every one of these customers you take advantage of they will tell 10  (maybe more) people about how they were treated as a customer.  I can promise that I will never be a customer of ******************************************* again and I will let everyone I can know of the banks poor business practices. 
  
  Sincerely,
  
  ****************** 

  Business Response

  Date: 10/19/2023

  We're sorry to hear that you don't agree with the response provided. The $25 was First South's $25 that we deposited on your behalf to open the account. These funds were on hold the duration of the account being opened, therefore could never be accessed, withdrawn, or spent in any way. Again, this is the minimum balance requirement for membership with First South Financial. However, it's important to us to work with every member on their particular circumstance, so our Senior Director of Operations will be reaching out to you directly to discuss further.

• Initial Complaint

  Date:10/10/2023

  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.

  This company charged me an insurance saying my lapse which it did not , they say they didn't get my emailed new form even though I had sent, I resent to same email and they got it immediately .....They keep telling me they are reviewing my insurance declarations page , this has been over a month. Sounds like they still haven't finish reviewing a one page document??? They have reported a charge to credit agency that I do not owe, it shows I owe due to this business s**** ** but have been in contact over and over and kept getting told reviewing declaration form . Never removing the charge making it past due. They dont do their job in a timely manner and s**** customers over like this.

  Business Response

  Date: 10/25/2023

  Thank you for bringing this matter to our attention. We have reviewed your concerns and the circumstances surrounding the forced placed insurance on your loan. Our records indicate that you entered into a loan agreement with First South, via an Indirect Dealer Partner, on 10/16/22. This contract specifies that an insurance policy must be maintained on the vehicle for the term of the contract. If coverage is not maintained, we have the right to purchase insurance in order to protect our interest in the vehicle.
  
  On 5/24/23 we received notification from your insurance company, Progressive,informing us that your policy was cancelled effective on 5/21/23.  On 6/19/23 we received a renewal notice from Progressive which indicated that your policy was renewed and effective on 6/18/23.  You also provided us with the revised declarations page on 6/17/23 which also indicated the renewal was effective on 6/18/23. This confirms that you had a true lapse in coverage from 5/21/23 through 6/18/23, which required us to secure insurance on your behalf.We sent several communications to you regarding the requirement to maintain proper insurance as well as a notice of a payment increase.
  
  The declarations page that you are referring to in your complaint was received and reviewed on 9/15/23 and again on 9/20/23.  However, it was issued by Progressive on 3/22/23 with a policy period is 5/21/23-11/21/23 which is unacceptable since it was replaced with the revised declaration page with the new policy period of 6/18/23-12/18/23. 
  
  At this time, proof of coverage for the indicated lapse timeframe has not been provided to us.  If youd like to discuss this further, please give us a call at ************.

  Customer Answer

  Date: 10/25/2023

   
  Complaint: 20719987
  
  I am rejecting this response because:
  
  I never had a lapse in coverage.  I sent wrong declaration page the first time.  Then once realized that I sent the correct copy.  Then I get call from this company saying have lapse . I explained I had emailed into the address to send declaration pages. Never received send again only to hear reviewing it over and over again everytime they call me .  I literally changed to my own personal plan the same day I dropped my coverage from being on a plan with my previous room mate. Not one hour went by without coverage . If they dont have the right page that they are looking for , they should say that rather than saying reviewing But not sure how would have the wrong one it started the date the other ended .  I never dropped my coverage , this is a joke. Not sure what else they need but I have sent page showing the correct date and loan holder as well.  This needs to come off of my credit history as I can not help them reviewing rather than communicating.  I dont know what else they are looking for, I sent the declaration page with the correct info . 
  Sincerely,
  
  *******************************

  Business Response

  Date: 10/26/2023

  Thank you for your response. At this time, we have not received the required declaration of coverage for the period mentioned previously. A member of our team will reach out to today to discuss in further detail. 

  Customer Answer

  Date: 10/30/2023

   
  Complaint: 20719987
  
  I am rejecting this response because:

  They say they have the right paper now for my insurance even if not going all the way back however that is when o didnt lapse coverage but they are still sending me notices for even more due than I was called and ask for and was sent to my credit report. I paid that original amount now just to shut them up and they still continue to charge me for and insurance that they charged without a lapse in coverage .  I paid the past due amount . So getting another past use for even more will stop 
  
  Sincerely,
  
  *******************************

  Business Response

  Date: 11/07/2023

  Were sorry to hear that you dont agree with this response. Members of our team have been attempting to reach you since our reply but have been unsuccessful and have not received any return calls from you. Please reach out to us at your earliest convenience so we may work directly with you, as resolving this matter is of great importance to us. The direct number for you to call is ************.

• Initial Complaint

  Date:10/04/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore 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.

  10/2/23 thru 10/3/23. I am seeking assistance in addressing the posting an resulting additional fees due to order posting. I am currently going through medical treatment and I am on a fixed income, where my income basically cover my bills.

  Business Response

  Date: 10/05/2023

  Thank you for reaching out regarding this matter. In the review of your account, we see that on 10/2/23, you had two direct deposits post; both of them at 6:16 am.There were no other transactions on your account on 10/2 prior to these deposits. Following the two deposits, throughout the days of 10/2 and 10/3,there were a combination of ATM withdrawals, debit card transactions, and a cash withdrawal made at one of our banking centers. Some of these transactions were subject to, and charged, our standard $36 overdraft privilege fee. There was no error on First Souths part, and your deposits were posted before any charges were deducted. We see that you have not contacted us about this, and encourage you to always reach out to us directly with any questions, concerns,or requests for help in the future. Our goal is to help our members on the front end with any needs they have, and look forward to discussing a resolution with you. A member of our team will be reaching out to you today.

  Customer Answer

  Date: 10/05/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept their proposed resolution.  The business statements are mostly correct; however, there were a couple of charges that should not have incurred the fee. I'm confident that we will be able to resolve the issue. 

  
  Sincerely,
  
  ***************************

  ***********************************************

  Memphis, ** 38115

  
  

• Initial Complaint

  Date:09/26/2023

  Type:Order 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 do not have a contract with INDEPENDENT BANK. They did not provide me with the original contract as requested.

  Customer Answer

  Date: 10/02/2023

  Company did not have authorization to access my consumer report.

  Business Response

  Date: 10/17/2023

  We have reviewed your concerns and the circumstances surrounding your contract request. In our review, we see that you did open an account with us on 11/15/2011. In 2012, the account went negative, our standard collection efforts were followed, but unfortunately, the debt was not paid and the account charged off. In this BBB complaint, you specify that **************** did not send a copy of your contract, so were unsure if this complaint was meant to be filed for us, but have answered with the facts that we have regarding your account with us. We hope this helps clear up any misunderstanding, and are happy to provide a copy of your membership application. Please contact us at ************ to confirm the correct mailing address, or you may visit any of our banking centers to request this documentation.

• Initial Complaint

  Date:08/29/2023

  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.

  First south credit union does not make it clear that you are paying $25 to open an account. They word the terms in a way to make it seem as though the $25 are on hold to open the account and then those funds will be returned when closing the account, but when you close the account they keep your money. The website even says the $25 is a DEPOSIT. Deposit does not mean that a company will take your money. They also don't make it clear that a hard credit pull is part of opening the account. These are very dirty business practices that I haven't seen with any other bank

  Business Response

  Date: 08/30/2023

  Thank you for bringing this matter to our attention. We have reviewed your concerns and the circumstances surrounding your account opened via online account opening. Our records indicate that you opened this account on 7/19/23. In the account opening process, the terms and conditions of membership with First South Financial must be agreed to prior to account opening. Per these terms and conditions To join the Credit Union, you must meet the membership requirements, including purchase and maintenance of the minimum required share(s) (hereinafter membership share) and/or paying a membership fee as set forth in the Credit Unions bylaws. You authorize us to check your account, ********************** and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts,products and services you request and for other accounts, products, or services we may offer you or for which you may qualify.

  Our records show that we have addressed your concerns by waiving the closed account fee for you,and by requesting the credit inquiry be updated to a soft pull. Please note that the inquiry update is at the discretion of the credit bureau, and First South Financial is unable to guarantee the change. Additionally, the process can take up to ****************************************************************************** concerns, we are happy to speak with you again. Please call us at ************ to discuss further.

• Initial Complaint

  Date:08/24/2023

  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.

  They&#**;re charging me $114 a month on top of my loan for having a lapse in insurance and say that I have to pay this amount for the life of the loan. I thought it was a one time bill and I accepted that I had to pay it and I did, but to have to continue to pay it, why? It isn&#**;t fair. I have insurance now. I&#**;m in compliance.Please do not continue to bill me $114 a month.

  Business Response

  Date: 08/28/2023

  Thank you for bringing this matter to our attention. We have reviewed your concerns and the circumstances surrounding the forced placed insurance on your loan. Our records indicate that you entered into a loan agreement with First South, via an Indirect Dealer Partner, on 9/27/22. This contract specifies that an insurance policy must be maintained on the vehicle for the term of the contract. If coverage is not maintained, we have the right to purchase insurance in order to protect our interest in the vehicle. You have verified with us that you did have a lapse in coverage from 11/20/22 through 3/31/23, which means we then secured insurance on your behalf. You have since received your own policy on the car and the forced placed insurance charge only remains for the period in which you did not have coverage. We must maintain this for one year from the date it secured; in this case until 3/28/2024.

  
  Our records show that we have spoken with you about this on several occasions, but we are happy to speak with you again at your convenience. Please call us at ************ to discuss further. 

  Customer Answer

  Date: 08/30/2023

   
  Complaint: 20515605
  
  I am rejecting this response because: I don't have forced placed insurance on my loan.  I have ****************** bundled with my house insurance.

  I don't have a Lapse in my insurance for 4 months, I got ******************** and I was told it was not acceptance insurance after a while First South contacted me.  I found ****************** between 11-20-22 and 3-31-23.  First South stated the forced placed insurance they have, Will not pay any claims made against me and it may not pay me for any claims I make.  ************* they buy, will not give me any liability insurance coverage and will not meet the requirements of a state's financial responsibility law per First South.
  
  Sincerely,
  
  *************************

  Business Response

  Date: 09/08/2023

  Thank you for your response. Our records show that on 4/27/23, you confirmed with our staff that you had a lapse in coverage at the beginning of the loan. We show that this lapse was from 11/20/22-3/31/23. As we explained previously, the contract signed at the purchase of the vehicle states that insurance must be maintained. If/when insurance cannot be maintained, we will purchase on your behalf.  Car Shield is a warranty company, not an insurance company, so anything purchased through them would not meet the requirement of full coverage auto insurance; this was communicated to you on 2/13/23 by a member of our team. The intention of forced placed insurance is to protect the lienholder. All consumers are responsible for 1) protecting their own interest in a vehicle and 2) ensuring they maintain insurance required by law. If you would like to discuss further, please call us at ************. 

  Customer Answer

  Date: 09/11/2023

  I accept the fact I had a laps in coverage when progressive was cancelled from 11-20-22 to 3-31-23 you say.  During that laps, I unknowingly installed Car Shield not knowing they were unacceptable.  My punishment shouldn't last for the life of the loan because I've Allstate since the laps.  I can't and shouldn't have to pay two insurance cost.  Is this charge really insurance or a way to punish at a high cost?  Per one of First South member stated the amount you charging is not insurance payment.  First South have not provided the name of insurance they have for me,nor sent any documents.

  Customer Answer

  Date: 09/12/2023

   
  Complaint: 20515605
  
  I am rejecting this response because: I accept the fact I had a laps in coverage when progressive was cancelled from 11-20-22 to 3-31-23 you say.  During that laps, I unknowingly installed Car Shield not knowing they were unacceptable.  My punishment shouldn't last for the life of the loan because I've Allstate since the laps.  I can't and shouldn't have to pay two insurance cost.  Is this charge really insurance or a way to punish at a high cost?  Per one of First South member stated the amount you charging is not insurance payment.  First South have not provided the name of insurance they have for me, nor sent any documents.
  
  Sincerely,
  
  *************************

  BBB NOTE TO BUSINESS: Now that the consumer has his own insurance, why is First South continuing to bill him for the insurance your bank has purchased? Is it true what he says, will he continue to be billed an extra $114 for the life of the loan? If so, can you provide a contract signed by the consumer that has language in it supporting a charge of $114 for the loan's duration? 

  Business Response

  Date: 09/18/2023

  We are sorry that you disagree with the response. However, we are following the agreement that was outlined in the contract that you signed at the purchase of the vehicle. The procedures we are following are standard practice by a lienholder of a vehicle. Below is the breakdown of documentation we have on file that confirms all of this information was provided to you prior to additional insurance being purchased on your behalf. Copies of these documents are available at your request by contacting our *************** Team at ************.

  
  Vehicle Contract Page three of the contract shows the pertinent information regarding insurance requirements.
  First Notice This letter was sent to you on 12/13/22 and outlines the requirement you had to provide proof of insurance in order to prevent us getting insurance to protect our interest in the vehicle. The letter confirms the date that the original coverage you had ended 11/20/22. The letter states that you must provide proof of insurance beginning on this date and reiterates that insurance must be maintained during the life of the loan.
  Final Notice This letter was sent to you on 1/10/23 and once again outlines all that the first letter did. It also provides even further detail, such as the premium that you would be charged ($3,676.00 for 12 months), and the fact that the insurance we purchase will only cover our interest in the vehicle and will not pay claims made against you, claims you make, or meet requirements of the states financial responsibility law. Further, it discloses that we will cancel the insurance we bought for you and give you a refund or credit un unearned charges if you give us proof you have bought property insurance somewhere else or if you have paid off the loan.
  Notice of Payment Increase We notified you of your monthly payment increasing to the amount of $679.76. This notice was sent to you on 3/28/23. This notice also states that we will cancel this insurance and provide a credit or refund of unearned charges if you provide acceptable proof of insurance.

  
  As per the numerous communications sent to you regarding this matter, we did issue a refund in the amount of $2,357.00. This leaves the net premium of $1,319.00 that is still being applied to your loan. Once again, this is to cover the four months in which you had a lapse in coverage. It is always our goal to work with members to resolve their issues, and for that reason, we are able to offer an adjustment to your monthly payment. This adjustment would bring your payment back down to what it was when you purchased the vehicle ($359.74), but it will extend your term, as the $1,319.00 has been added to the loan balance, and will be in effect until 03/2024.

  
  If you would like to discuss further, or to request a copy of the above listed documents, please call us at ************. 

• Initial Complaint

  Date:06/20/2023

  Type:Order 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 was at my home closing and the (******* family )First South employees showed up and attended my closing then proceeded to take pictures of the entire closing ,attorney and all ,despite my objections and then proceeded to post pictures ,of my home my name and specific details about my home. The post had my name my real estate agents and decorators and attorneys all named and tagged in public posting. I have requested this be removed several times. This was a private matter and the complete disregard for me and my familys privacy and wishes that have been completely ignored is beyond my comprehension. Per your own website First South Financial maintains the strictest standards in protecting the privacy of you, our members. The information we collect is used only to administer your accounts and allow us to meet your financial needs. The First South Financial privacy policy is a top priority for the organization. Procedures to protect your privacy have been carefully developed and employees are trained to consistently apply them. This is completely unethical and unprofessional behavior that is a violation of my personal privacy on multiple levels.

  Business Response

  Date: 06/21/2023

  Thank you for bringing your concern to our attention.  We are so happy you have chosen First South Financial for your loan.  We have removed all public postings and are so sorry for any frustrations this has caused you and your family. We have reached out to discuss further and look forward to speaking with you.  We will work hard to regain your trust!  

• Initial Complaint

  Date:05/26/2023

  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.

  On October 18,2022 I went into the bank First South Bank located on ********************* to open an account and deposit a check. I was treated so horrible, when I first arrived I was past over to another banker so the first banker could flirt with the customer who was there before me. When I went to the new banker everything was great until I wanted to deposit the check. When she saw the amount of the check the clerk got up went to another associate and showed her. When she returned she stated that the check will be hold for a few days just to make sure it is real. I told her I understand holding it a few days I'm a new account and the check is real but she did not tell me they will be holding it till November 1, 2022. Then she stated if this check bounce you will have to pay it back because it don't look real. So the other associate not manager was standing on the side listening and looking through my account. Very unprofessional, so after this conversation with the banker who was servicing me she said we was done. I ask about my bank card since I just opened a (savings and checking account) she said let me print you one out now. So she was going to let me leave without a bank card. I did not receive a member package nor did I receive great service. When I left the banker assisting me, her and the other employee started making remarks. The only reason why was because the way I looked and I am Black but this no reason to receive horrible service. I would not refer this business to no one

  Business Response

  Date: 05/26/2023

  Thank you for bringing this matter to our attention, and we apologize for your experience at the time you opened your account. Our policy is to place the first check on any new account on a 10 business day hold, which would be the timeframe from your opened date of 10/18/22 to 11/1/22. The release date of 11/1/22 would have been listed on the receipt you received for the deposit. While we do offer instant issue debit cards at select branch locations, our records show that the staff ordered a debit card for you that day that was sent via ***** This is the only card we see on your account and the only one that has been used. Were very sorry to hear of the poor experience you had that day and hope the subsequent visits youve had at the other branches you visited were more enjoyable. If you ever have a bad experience again, we hope that you will share that with us at the time so we can work with the staff involved to make necessary improvements. In this case,many of those employees are no longer with the credit union. We hate to hear you feel you were treated differently for any reason, please reach out to us at ************ to discuss further.

• Initial Complaint

  Date:03/15/2023

  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.

  COMPANY CONTINUE TO VIOLATE FCRA, FCBA, FDCPA" WITH REPORTING ACCOUNT OVER 6YRS OLD NOT MY ACCOUNT AND NEVER DONE BUSINESS WITH COMPANY, VIOLATED "FCRA" SECTION 623 "FURSHING OF INFORMATION", ACCOUNT# UNKNOWN, **************** AFFIDAVIT FILED WITH "FTC" CASE# *********...SSN# ****/ DOB: 5/31/1980

  Business Response

  Date: 03/17/2023

  Thank you for bringing this matter to our attention. We have reviewed your concern and the circumstances surrounding your complaint, and were unable to locate an account under the name provided. We are happy to work with you directly to look further into this. Please reach out to us at ************ so we can provide additional support and assistance.