ComplaintsforEECU Credit Union

• Initial Complaint

  08/28/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I attempted to open a new checking account with ECCU, but was denied for an improper reason. Per their request, I uploaded copies of my driver's license and electrical bill. I even unlocked my credit report to ensure my profile could be assessed without issue. For some reason, I was told the account could not be opened due to a mismatched address on my bill and license. This is completely untrue. They match precisely. I have even enclosed a copy of my electrical bill as proof. Please see the service address in the top left corner of the first page. Both my driver's license and electrical bill reflect my "Forum Drive" residence. The ** Box listed further down the page is merely my mailing address (I live in an apartment complex with delivery issues so I use the ** Box for mail safety purposes). These are also the same two addresses that I listed on my ECCU application. So why am I being denied? I am frustrated because I have heard such wonderful things about this credit union. I thought the online application would be convenient since I work long, odd hours as a truck driver. I already have an online account with another bank that I have maintained for many years, but was looking for a local institution to build a financial relationship with (since I will be purchasing both a home and a car in the next 18 months). In addition, I have excellent credit (over 800 score), a great income, and over $40K in savings. Please help me to get this issue resolved. Thank you.

  

  Business response

  09/06/2024

  ******************* you for your interest in EECU. We take the privacy and security of our members and applicants very seriously. As this is a public forum, we are unable to discuss specific account or application details here. For security purposes, in addition to validating address information, our credit union utilizes a variety of resources to confirm member identity and assess whether any activity might be fraudulent. If you would like further information or clarification regarding this matter, we encourage you to reach out to our General Counsel for assistance. He can be reached at ************.  We appreciate your understanding and interest in our credit union. Thank you for bringing your concerns to our attention.

• Initial Complaint

  08/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 08/21/24 I transferred $55 from my savings to my checking to cover a QT inside transaction VIA Apply pay at 8:49 am since at the time I had a balance of $0 then on the 21st which was approved by the bank since Apply pay allowed it to go through but from some reason the bank never put that transaction as pending at all then had it posted on the 23st which I contacted QT HQ to ask about how there credit card terminal work and processing time which I was told that they pull the money immediately then on the 21st I transferred $12 to cover a rasing canes transaction of $11.28 since my account was at zero since I made a dedicated transfer to cover the QT transaction then on 08/23/2024 I transferred $9.80 from savings to checkings to cover a transaction of $9.73 at rice bowl on 08/21/24 I made another transfer of $25 to my checking from saving to cover an Apple cash transaction. The bank system is so slow in keeping up with transactions and calculating things wrong as in the available because I made a transfer from my savings to my checking to cover all the transactions i made the week of 08/16/2024 I should not be -$93.16 right now at all

  

  Business response

  08/27/2024

  ******************** Thank you for visiting with EECUs AVP of Branch Operations.  We trust that she was able to resolve the issue and provided clarity on how transactions are processed and posted to your account. Should you have any further questions,please feel free to reach out to our AVP of Branch Operations.

• Initial Complaint

  08/20/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  Submitted a fraud charge on 08/03.Was given the run arounds after more than 3 calls to the card department and to EECU directly .Associates go back and fourth and place me on hold for over 15 mins at a time and will contradict other associates.

  

  Business response

  08/28/2024

  Thank you for bringing your concerns to our attention. We sincerely apologize for the inconvenience and frustration you experienced during your recent interactions with EECU regarding the disputed charge of $24.64 on your account.

  At **********************, we strive to provide excellent service to all our members, and we regret that your experience did not meet our usual standards. We understand the importance of timely and consistent communication, especially in matters related to alleged fraud, and we apologize for the conflicting information you received and the extended hold times.

  We are pleased to inform you that the matter has been resolved. The disputed charge has been adjusted on your account, and you should see the correction reflected in your next statement. We appreciate your patience as we worked to address this issue.

  Customer response

  08/29/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and although I was told I would be refunded $3.00 for the overdraft fee on a charge I did not authorize and never did I mention to reverse a random $90 charge to my physician which caused me to almost be sent to collections .

  Unfortunately I am beyond frustrated that EECU as a whole cant compute simple math or listen.

  I will just eat the $3.00 and never complete business with EECU again.

  So at this point I find that this resolution is satisfactory to me.
  
  Regards,
  
  *****************************

• Initial Complaint

  08/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I sent a **** Certified letter [9589 0710 5270 0757 5594 52] to EECU to validate account reporting to the credit bureaus on 10/23/23.They have failed to respond to the Certified letter. This is violation of FCRA. I sent a follow up **** certified letter [Tracking No. 9589 0710 5270 0715 7249 60] on 11/30/23 to EECU. Requesting removal of account reporting to the credit bureaus for non-compliance of federal law and FCRA. They have not responded to any my letters sent to them directly or taken any action.

  

  Business response

  08/20/2024

  ******************** - Given that this is a public platform, we're unable to discuss the specifics of your account here. However, we encourage you to review our detailed response to the complaint you submitted to a Texas state agency. Our response thoroughly outlines how we have adhered to all applicable laws and regulations, responded promptly to your correspondence, and consistently reported accurate information to the credit bureaus.

• Initial Complaint

  06/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing urgently to address the inaccuracies on my credit report due to the sharing of my personal information with credit bureaus, which has caused significant financial and emotional distress.According to 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to remain confidential.Additionally, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot share account details without my explicit consent, which I have not given.The discrepancies associated with EECU have negatively impacted my financial situation and require immediate correction.Furthermore, compliance with 15 USC 1666(b) is crucial, as it prohibits creditors from treating credit card payments as late under specific conditions.For your reference, here are my account details:Account Number: ******************I request a thorough review of my account, prompt correction of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*******************************

  

  Business response

  06/20/2024

  **************** Thank you for giving us the opportunity to review this matter for you.  After a detailed review of your account, we have determined that the credit reporting is accurate.  Because this is a public forum, we are unable to discuss your account in detail.  Please call us at ************ during our normal business hours and we will be happy to discuss this matter with you.  We can provide you with account statements,account agreements, and associated disclosures, all of which, support our determination.  Again, please feel free to call us and we can discuss your concerns in detail.  We are always available to assist our members. Thank you for your time and attention to this matter. 

• Initial Complaint

  06/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This Building bucks EECU account was opened under mine and my mothers name without my knowledge. I was around 15 when the account was opened (Jul 15, 2021) and upon becoming 18 and applying for different loans and other services and always getting denied I made an experian account and discovered that an EECU account reported to my credit as (Account charged off. $114 written off. $114 past due as of May 2024.) for 12 months. This is effecting my lively hood as I cannot get an auto loan even though I make more than enough to afford one as an AP Manager at ******* and instead I have to ride my bike to work in a dangerous neighborhood. I am not responsible for this account and it shouldnt be reported to my credit because when looking at the account statements up until it was closed all you see is my mother transferring money from her account to mine and spending with my card without my knowing to keep from her account being in the negative. Ultimately when i decide to leave and get away from her for college I ******* this was her way of getting back at me. Because in the eyes of lenders Im a risky person to lend to. However this couldnt be further from the truth as Im currently in school for cybersecurity and also working in a manager role at ******* while paying my own rent. I had no knowledge of this account and it is reporting to my credit as 12 moths of missed payments and a closed account.

  

  Business response

  06/14/2024

  ************** - Because this is a public forum, we are unable to go into any detail about your account or the discussions you had with our Account Resolutions team.  We are, however, glad that our team was finally able to get in touch with you and that we were able to reach a mutually amicable resolution to this matter.  Best of luck to you with your cybersecurity studies and congratulations on your manager role at Walmart.  Please do not hesitate to contact us at ************ if we can be of further assistance.  Our goal is to provide our members with a Better Way of Banking.   

  Customer response

  06/21/2024

  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

  05/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was scammed with ****** dollars from my bank account and even though my credit limit is only ****** dollars, mybank now wants me to be responsible for that money that has been stolen.

  

  Business response

  06/07/2024

  ************** Because this is a public forum, we are unable to go into any detail regarding your account.   Unfortunately, you shared your confidential banking credentials with fraudsters and once that happens, our ability to assist is very limited.  We deeply regret that we cannot be of more assistance.  If you haven't already done so, we encourage you to file a report with the local police and the ************************ (FTC).  This will create an official record of fraud.  

• Initial Complaint

  04/01/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I went to the EECU "Corperate" Location at ******************************************************* on 4/1/2024 at 11:30 to inquire about some transactions and while there I requested to speak to an executive about an issue the individual said they were not available to speak nor were they there nor did ******* that was dealing with was going to send my contact info to the executives Sadly, I have to make this complaint to get ahold of any executives from the financial institution which it shouldn't be this way customer service is usually the number one priority for most banks but I take it it not at EECU with say they pride themselves on customer service I want to see that come to reality when it comes down to asking for directors or higher,

  

  Business response

  04/02/2024

  ******************** - The *** of EECU's **************** Centers called you earlier today and left a voice mail message. As of the writing of this response, she has not heard back from you.  When you get a minute, please give her a call.  I am sure that we will be able to resolve your concerns like we did with you other two BBB complaints.  We look forward to reaching a quick resolution to this matter.  Thank you.  

• Initial Complaint

  02/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently discovered that an extra payment has been deducted from my account without my knowledge for the past 2 and a half years. This came to my attention when I received an overdraft fee from my bank. Despite physically making monthly payments, I never saw evidence of the automatic payment in my online account or payment history. After reaching out to EECU to stop the automatic payment, they informed me that it was not set up on their end. However, my bank confirmed that the deduction was indeed from EECU's banking system. I spoke with EECU to understand why this was happening, but they couldn't find any record of the deduction on their side. I was transferred to multiple representatives and experienced long holds without receiving a satisfactory answer. My bank continues to confirm that the deduction is directly from EECU's bank. A supervisor named ********* promised to get back to me, but it has been three days without any resolution or call back.

  

  Business response

  03/12/2024

  ****************** Thank you for bringing this matter to our attention.  Upon receipt of your complaint, we attempted to contact you, but have not received a return phone call.  We wanted to explain this matter to you in detail.  Because this is public forum, we are unable to go into any detail about your concern.  We confirmed with our third-party card processor that you opted-in to auto pay on April 16, 2023.  Please note, we have cancelled the auto payment as you have requested.  If you would like more information, please feel free to call our Chief Risk Officer and General Counsel at ************. Thank you for your patience while we resolved this matter for you.

• Initial Complaint

  01/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this account from my ********************** report. Please help meinthismatter.------------------------------ED EMP CU FW 52884400****05/25/2017

  

  Business response

  01/25/2024

  **************** - It's our understanding that you submitted this complaint and certain other documents in error, and that you were going to retract them since you are NOT a victim of identity theft.  Because this is a public forum, we are unable to go into any detail about your loan and the outstanding balance.  If you need more information, please do not hesitate to contact EECU's General Counsel.  He will be more than happy to address any concerns you may have. 

*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. ↩