ComplaintsforKnoxville TVA Employees Credit Union

• Initial Complaint

  04/26/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  April 2022, Knoxville TVA Credit Union issued me a credit card , after I had financed a vehicle through the Credit Union. I have paid both accounts exemplary since the accounts were opened. On January 2024, the credit card account was closed without my knowledge. I only obtained this knowledge when I called to make Februarys payment and was transferred to the collections department. Collection manager , Julie, explained that the indirect lender manager, Abby, closed the account , apparently due to Abby and myself having a disagreement . To talk about my account , I have to talk to the collection department . I have never missed or been late on a payment . Personal reasons should not be a reason to close an open revolving account . This is negatively affecting my credit, as it shows as a collection on my credit report and does not show as a revolving account that is paid perfect every month, which would continue to help my credit . Indirect loan officer Abby , went as far to say if I did not continue to pay this account , she would make sure my vehicle would be repossessed . This is extremely unprofessional , manipulates the statute of rights , and is negatively affecting my credit.

  

  Business response

  05/02/2024

  Thank you for reaching out to KTVAECU. We have mailed you a letter summarizing past conversations and the actions taken. Please call (865) 544-5400 and ask for ****** *** if you have additional questions.

• Initial Complaint

  02/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  At the first of February my things were stolen purse phone etc and I had to order new cards etc there are transactions on my cash card that I have no clue how or who it happened and yesterday I had put my last 300 on my cash app card and it was taken by the credit union I don't have an account nor do I know anybody with this account nor did allow anybody to have permission to do anythin. g with my account I'm on disability and I need my money I don't have an account with any credit union and never had one this is not my fault and I shouldn't be responsible for anything that has happened

  

  Business response

  03/08/2024

  Thank you for reaching out.  We have reviewed your account.  Please contact us at (865) 544-5400 and ask for ****** *******

• Initial Complaint

  02/28/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have had multiple cards and my account compromised now . I have had an account since 2018 .i work out of town a lot and this has been a huge headache ! A $2800 check was deposited in my account on 2-16-2024 . Immediately transferred over to a cash app . Is there not supposed to be 5 day hold on checks ? So now the check has bounced , I’m negative $2500 . My last 2 paychecks you all have taken because of this negative account . I’m out of town working .. and can’t even use my card !

  

  Business response

  03/08/2024

  Thank you for reaching out.  We have reviewed your account.  Please contact us at (865) 544-5400 and ask for ****** *******

• Initial Complaint

  02/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Since 8/2021, I have left the brick & mortar classroom due to declining health; I teach PT from home. My hours have fluctuated a lot, & it has been a rough road up to this point. I did get approved finally for early retirement disability in 8-2023. KTVACU was understanding up until this past December 2023. My account was CURRENT in October or a skip payment would not have been allowed. Payments, plural, have been made since November on the auto loan. They have not been applying payments correctly. They are in violation, & something needs to be done. They also treated me very unfairly, and did violate my rights as a paying party who is disabled!! Amber Fox specifically, did not follow through with our arrangements, and went back on her word. They just blame it on me. But my bank records speak for themselves. So does my pay history, but they closed my account with them without my knowledge. Forced me into ch13 to save my car, & STILL won’t allow me access to my account. They will never get my car from me. They are a HORRIBLE company and should not have your BBB logo on their website! They need to be taught compassion. I’m trying to keep the lights on & they could care less. I was paying & they still tried to take my car!!!! Just an awful bank to try to work with you! They do not want to actually help!!

  

  Business response

  02/13/2024

  Thank you for reaching out to KTVAECU. We have reviewed your account and we would be glad to discuss it with you. Please call us at (865) 544-5400 and ask for ****** ****

  Customer response

  02/14/2024

  How is it a “Good faith effort” on the business’s part? All they did was ask me to call? They have done nothing I’ve asked within my rights. They did not correct my credit report, nor reopen my account, nor apply my payments they did receive. They are in violation. Wow. Why would I call them to be hung up on again?? 

• Initial Complaint

  01/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Have paid several years on 2 accounts but very little has came off amount owed got 4 year loan have payed over 2 years but still owe alot of what originally agreed same with 2nd

  

  Business response

  01/31/2024

  Thank you for reaching out to us.  Please contact us at (865) 544-5400 to discuss.

  

  Business response

  02/01/2024

  In addition, please ask for at (865) 544-5400.  Thank you again for reaching out.

• Initial Complaint

  06/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I stayed at a hotel (my mother was present and had been there for days and was paying for it) for one night with my mother. Charges came up on my account equal to almost $300. I was no longer at the hotel. I noticed that my card was missing and looked up these transactions. 3 for the hotel. The bank was closed the Sunday I realized it. Called the next day which started the fraud process. 2 weeks later got a call and I explained everything. Called today because I hadn’t heard anything. It is not proven that it wasn’t me even though I have RECEIPTS of another hotel. The receipt shows the date I was there. I will not be receiving the money back due to I cannot get my mothers folio from it not being me and we no longer speak (the entire reason I left in the first place). They have been the worst bank and now they are keeping the money I worked for? If I was going to lie I would have said way more charges on those dates were fake. Not just one place. Receipt attached even shows a different card was used!

  

  Business response

  06/21/2023

  KTVAECU has spoken with ****** *** to discuss the referenced transactions.  All referenced transactions were not disputable through Visa because the card was swiped and chip presented at each transaction. If you have additional questions, please contact KTVAECU at (865) 544-5400 and ask to speak with our Manager of Card Services.

• Initial Complaint

  04/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I opened a token share account to allow the deposit of substantial CDs. My condition of opening the share account was there were to be zero charges against the accounts. Today's mailed statement shows a $2 monthly charge "statement fee". Called the CU phone number, waded through the computer gauntlet, continued waiting until the CU hung up. Previous history with this CU is they DO NOT respond to complaints to mgmt or return phone calls. CU day of instruction on their systems at the parkside branch was little more than a young girl gossip session.

  

  Business response

  05/08/2023

  KTVAECU will reach out to you directly regarding your complaint.

  Customer response

  05/09/2023

  
  Complaint: ********
  
  I am rejecting this response because: KTVA appears to have changed accounts to fee accounts similar to how Wells Fargo was busted by the US Fed a year or two ago. I received phone calls from two persons claiming to be 1) branch manager **** and 2) branches supervisor. Both persons were personable and claimed to review my account and found TWO statement fees.  BOTH persons claimed that they were going to credit my account for the fees AND change my savings account BACK to a no fee account. Upon checking my account this day/hour, BOTH KTVA persons failed to credit the two statement fees as stated. Who knows if either person corrected the account back to a no fee account.
  
  Sincerely,
  
  **** ****

• Initial Complaint

  03/05/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I recently found out that TVA Credit Union will be requiring me to agree to 3rd party credit monitoring if I wish to continue taking advantage of online banking. This means that if I wish to continue using online banking, I have to agree to my social security number and other private information being handed over to another company. If I choose not to accept this, I am no longer entitled to online banking privileges. So in case of an emergency, I would have no way of transferring money from savings to checking unless I agree to their terms. If I am on vacation and have an emergency, I can't access my money unless I agree to terms with which I don't agree. TVA Credit Union is holding my money hostage unless I bank their way and I refuse to accept this. Without the money of their members, they would not be in business and this is an unacceptable way to treat the people who prop them up. I have tried to talk to a member of management and have been informed that there is nothing that can be done. If I don't wish to hand over my personal and private information, I lose 24 access to my money and that is unfair and abhorrent.

  

  Business response

  03/06/2023

  Thank you for reaching out to Knoxville TVA Employees Credit Union.  You will be able to opt-out of viewing your credit score and credit report at any time.  If you opt-out of viewing your credit score and credit report, you will still retain access to all other services within online banking.  Please reach out to us if you have any questions at (865) 544-5400.

  Customer response

  03/06/2023

  
  Complaint: ********
  
  I am rejecting this response because I don't want my data sent to this 3rd party in the first place. My hand is being forced to enroll and only then can I opt out, that is unacceptable. I don't know this 3rd party company, how secure they are, or how thier backups are configured and secured. Opting out may remove my data from the current database, however it will still be in backups of the database and I don't know how well those are secured. I asked several questions regarding this information in an email on Friday and still have received no response. I have already shopped for other banks and will be moving my money shortly as I refuse to be held hostage by this new policy.

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

• Initial Complaint

  10/28/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was scammed out of $222.22 by people using my cash app that I didn't agree to. I filed a claim. Two days later I called and was told my claim couldn't be found so they filed another one. Was told two days in a row I would be contacted about it. No calls no nothing. I called today as was told they needed to investigate further and couldnt give me provisional funding due to it being a third party app. What's a bank good for then if it doesn't help it's customers?? I just want my money back. Not only was I scammed but now being put through the mill by the bank itself.

  

  Business response

  11/23/2022

  Business Response /* (1000, 5, 2022/10/31) */ KTVAECU filed a dispute to VISA on behalf of the Member, however, since transferred the funds into a cash app she owns and the fraudster took the dollars from her cash app, it is unlikely the dispute with **** will be considered because the money was not taken directly from her Credit Union account. may want to file a dispute directly with the cash app company.

• Initial Complaint

  07/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have two trade lines on my credit report from this company relating to a loan from them to me....the only problem is, is that I NEVER HAD A LOAN WITH THEM. EVER! I had a bank account, which I no longer have with them, even though they send me bank statements every once in awhile still. But never did I have a loan. When applying for anything I was wondering why when they try and verify me it ask did I open a mortgage loan with this company, and I never understood...until I just checked my credit report. I genuinely feel this is them trying to get back at me for closing my account, but either way they need to remove both their trade lines off of my credit report, as I do not owe them any money and they are hindering my financial growth with this erroneous claim that I do owe. My attorney has already begun legal proceedings as I have explained to him that this is in fact false and he has advised me that legal action can and will be enacted for damages, loss opportunities for credit because of this, etc. This is not a game, and this needs to be corrected. Both your trade lines need to be removed from my credit reports (Transunion, Equifax, Experian) immediately.!

  

  Business response

  08/31/2022

  Business Response /* (1000, 9, 2022/08/09) */ Dear Mr. *****: Since December 31, 2017, your savings account has had a negative balance and it has since been charged-off. Please call us at (XXX) XXX-XXXX or visit a branch for details on how to rectify this with the Credit Union and the credit bureaus. Knoxville TVA Employees Credit Union Consumer Response /* (3000, 11, 2022/08/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am rejecting because once again, these businesses have the audacity to literally lie as if they are above the law and think we as consumers are so naive to not catch on to the scam they have running is mind boggling. This business just responded that I had a SAVINGS account that was overdrawn correct? So if that is the case, which it isn't I DO NOT OWE THEM ANYTHING, would you care to tell all viewing parties as to why you would put this on my credit and label it as a mortgage loan then??? Explain to me , did I ever have a mortgage loan with you all? Have a ever bought a house with funds you all gave me??? NOOOOO I haven't....I have no business with you all. I do not owe any funds to you all. You all are reporting a fraudulent account on my credit reports, and as such will be receiving a formal summons from my office, via the Knoxville Police Department, detailing all litigation being bought against your company Remove this fraudulent account from all my credit reports (Experian, Transunion, Equifax, ) PERMANENTLY & IMMEDIATELY or be sued for damages and defamation. It is that simple.

*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. ↩