ComplaintsforLG & W Federal Credit Union
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
05/11/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
1.I have never had an account with this company ******* *** REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 **** Code ****a (3) 3.This letter is in pursuing 15 U.S. Code ****c (c) Ceasing communication 4.I am the consumer mentioned in 15 **** code ****a (3) You are ******* ** the debt collector 15 **** Code****a (5) I am invoking specified remedies under use 15 U.S. code ****c (c) (2) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code ****c (c) (1) 5.I am the executor under the 15 U.S. Code ****c (d) pursing to 15 U.S. Code ****d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) (2) and (4) 6.According to 15 U.S. Code 1962e (8) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. **** **** Code ****e (12) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices (8)9.While pursuing to ****g (b) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ***** **** Code ****k Civil Liability (a) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of (1) (2) (A) (B) (3)Business response
05/12/2023
To: *********
From: ***************************
*****, *************** to this complaint that we received yesterday regarding ***************************** III. He is not, nor has he ever been, a member of our credit union, LG&W Federal Credit Union. I'm guessing what has happened is that someone is confusing ** with MLGW or ***************** & Water.
I don't have anything else to report on this person. Please call me at ************ if anything else is needed.
Also, *********************** was a former President of our credit union and has been gone since 2012. Would you be able to correct the records at BBB?
Thank you,
Cherry
Initial Complaint
06/07/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
The bank is holding my funds and I have clearly sent them the merchant printout where the hold was reversed on the merchants end. this bank is making me wait till June 15, 2022 to get my money taken off hold on my account. Due to this error I cannot pay my car note. I'm not very happy right now.Business response
06/08/2022
Our member used her debit card to secure a hotel room and three separate charges were put on hold in her checking account for a period of ten days. This was done by the hotel. The funds are on hold until June 15th, but could be released before that date. Once the release has taken place from the hotel, it takes additional days, usually 3-5 business days, before the member sees the credit to their account. This is normal protocol for most merchants. Our member was upset because she did not have the funds available in her account to pay other expenses due to these holds. Once a merchant places a hold on an account, we do not have any authority to remove it. Our Operations Assistant has had several calls with our member trying to help her to understand how this policy works.Customer response
06/09/2022
(The consumer indicated he/she DID NOT accept the response from the business.)
I sent in the paperwork showing them the reversal, they still are refusing to help me.
See Attachment/File: 0ED77079-22ED-4D6B-8F04-9936FD9780D3.jpegBusiness response
06/27/2022
On June 10th after getting the documentation directly from the hotel to release the authorization, our credit union released the funds. According to our credit union procedures, this documentation is required to be sent directly from the merchant to us.
Thank you,
***************************
Customer response
06/29/2022
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.
Sincerely,
*************************
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Customer Complaints Summary
2 total complaints in the last 3 years.
0 complaints closed in the last 12 months.