ComplaintsforEECU Credit Union

• Initial Complaint

  01/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity theft, I have forwarded them the same info I'm providing you with ensuring my position of my Identity being stolen.

  

  Business response

  01/25/2024

  **************** - Thank you for bringing your concern to our attention. We have researched your complaint and, after phone conversations with you, have determined and confirmed that the credit inquiries are accurate and that you are NOT a victim of identity theft.  It appears that you were shopping for a car between December 16 and 22, 2023, and a credit inquiries were made.  If our understanding of the situation is incorrect, please contact the Director of our Fraud/Legal Department.  He will be happy to help you.  Thank you. 

• Initial Complaint

  12/12/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I filed a dispute on my account regarding a fraudulent transfer (case number ********) for $499. I filed a report with the *********** ** police. That case number is ********* with Officer ******* I have not received a provisional credit or received any support from the fraud team at EECU. **** in the fraud department did not listen to me during our conversation and gas lighted me to make me feel like a liar when I did finally get to explain the situation. Why would I deliberately incur a charge for almost $500 if I wasn't being scammed. I'm asking for this fraud case to be reopened to examine further and a provisional credit be issued regarding this fraudulent transaction

  

  Business response

  12/20/2023

  ****************** Thank you for bringing this matter to our attention.  We have investigated your concerns thoroughly, but because this is a public forum, we are unable to go into any detail.   If you would like to visit with us about what our electronic records reflect, please call our Chief Legal Officer at ************.  Thank you. 

• Initial Complaint

  10/16/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Access to online banking has been blocked. Also blocked from closing the checking and savings accounts. Only electronic payment option for loan payments charges a fee

  

  Business response

  10/27/2023

  ******************** Thank you for bringing your concerns to our attention.  We are glad that we were able to help resolve your concerns, including restoring online banking services and advising you about alternate loan payment methods.  If you need further assistance, please do not hesitate to contact us at ************. We look forward to serving your financial needs and providing you with a Better Way of Banking.  

• Initial Complaint

  09/20/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I got denied a personal line of credit of the minimum from EECU they said I had too many delinquents and I have two paid-off vehicles and a credit card without a missed payment on it that I can prove with statements and payments I have made. My debt-to-income ratio is 0% according to experian and I make a substantial amount over the line of credit I applied for which was $800

  

  Business response

  09/25/2023

  ******************** Because this is a public forum, we are unable to go into any detail about your loan request.  Our lending decisions are based on a careful evaluation of various factors which are common criteria used in the banking industry including, but not limited to,credit history, financial situation, loan amount and terms, and regulatory and compliance requirements.  Our commitment to responsible lending means that we must adhere to underwriting standards to protect both our members and the credit union. If you have questions about your loan request, please contact us at ************.

  Customer response

  09/25/2023

  Complaint: 20632676
  
  I am rejecting this response because:

  the did not try to call me to discuss the issue
  
  Regards,
  
  ***********************************

  

  Business response

  09/25/2023

  ******************** - We just tried to call you at ************, but there was no answer.  As we mentioned in our original response, because this is a public forum, we are unable to go into any detail about your loan request.  Our lending decisions are based on a careful evaluation of various factors which are common criteria used in the banking industry including, but not limited to, credit history, financial situation, loan amount and terms, and regulatory and compliance requirements.  Our commitment to responsible lending means that we must adhere to underwriting standards to protect both our members and the credit union. If you have questions about your loan request, please contact us at ************.

• Initial Complaint

  09/13/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have had this issue happen 4 times with EECU every time I do a transaction a Friday I know the merchant pulls the funds and holds on to them since I either paid for food or did a deposit for a rental car on Saturday 09/02/2023 I put a $50 deposit down at Enterprise rent a car in ********** ** which I know enterprise does not release the money at all back to the **** a7er two days nor does the **** have to release the hold because I have asked chase, ***** fargo, Unity one Credit union about this and there no legal reason why the funds get put back into my account and then get taken back out a7er two days I have never had this issue with ********************* fargo, unity one credit union, and **** of America Just eecu that is

  

  Business response

  09/13/2023

  ******************** Thanks for visiting with our Chief Risk Officer and our AVP of Branch Operations today. We hope that our telephone conversations were informative and that you have a better understanding of how transactions post and settle to your account,including pre-authorization holds.  If you have further questions, please do not hesitate to contact us.  We thank you for your membership in EECU and we look forward to providing you with a Better Way of Banking. 

• Initial Complaint

  07/26/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  EECU has repoed my vehicle for non payment, but Ive been trying to pay through their online system for the last 3 months and not one time has it ever been working. They ONLY have allowed me to pay over the phone, which I can only do during their business hours. They also charged me multiple months a fee for no insurance, but the vehicle was insured the entire time Ive owned it, which is against the law. They would not refund me the insurance fees, but told me they credited the amount to the principal but would not tell me the exact amount. Now I have to deal with them over the phone AGAIN. And get my vehicle from impound yard. Its 2023, everyone should be able to pay any bill online, especially to a freaking financial institution.

  

  Business response

  08/04/2023

  ******************** Thank you for bringing this matter to our attention. Because this is public forum, we are unable to go into any detail about this matter.  It is our understanding that this matter has been resolved and that you understand how collateral protection insurance and insurance refunds are triggered and the reasons why online banking is limited when loans are delinquent.  We appreciate your membership in EECU, and we look forward to providing you with a Better Way of Banking. 

• Initial Complaint

  07/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Unfortunately due to Covid, I experience financial hardship that resulted in the charge off of an old credit card account at **********************. However, my charge off was routed to ********************* Services and was settled for less than the full balance on 3/30/2023. Ive called EECU numerous times regarding the reporting of this trade line on my credit report. It should be reflecting a $0 balance and the remark settled for less than the full balance. Every month around the 23rd, this account gets updated on my equifax as an active charge off for $3,225. I have called in 3-4 months in a row asking for assistance in updating that information. I continue to get the run around and we are in the midst of trying to close on a house. Not only does this go against Fair debt collection practices, but its also causing further damages every month when the inaccurate information comes back up on my credit bureau reports. If this is not updated or completely removed from all three of my credit bureau reports, I will be seeking legal assistance for a fair debt collections lawsuit against EECU for causing on-going negative financial impacts.

  

  Business response

  08/04/2023

  ************** Thank you for bringing this matter to our attention. Because this is public forum, we are unable to go into any detail about this matter.  We have reported our findings to you and have taken all of the necessary steps to have this matter resolved.  We sincerely appreciate your membership in EECU, and we look forward to providing you with a Better Way of Banking. 

  Customer response

  07/10/2024

  Complaint: 20366126
  
  I have filed a formal complaint with the Better Business Bureau once already regarding this old credit card account from **********************. Unfortunately, I lost my job due to covid and the card resulted in a charge-off. I settled the card through EECU's third party back in March of 2023. I have complained multiple times about this card showing up as having a $3,225 balance on my equifax report when it should reflect $0 and settled for less than full balance. This has been impacting my credit repeatedly, because your bureau reporting department cannot do their job correctly. I have called, messaged, and already filed a complaint and it's happened again. If this is not removed from my credit report, I will be seeking legal action as it continues to harm my credit after years of being paid. Last four of SS is 5646.
  
  Regards,
  
  *********************

  

  Business response

  07/25/2024

  ************** Thank you for bringing this matter to our attention. Because this is public forum, we are unable to go into any detail about this matter.  We have reported our findings to you and have taken all of the necessary steps to have this matter resolved.  We sincerely appreciate your membership in EECU, and we look forward to providing you with a Better Way of Banking. 

• Initial Complaint

  07/05/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  July3,2023 I tried to use both of my debit cards Bill ******* #** at gas station and Regular ******* #** to pay water bill. Both were denied. Called my bank. The only explanation was a old negative that was left on my ******* they said was in September which July 3rd my cards were froze. I was in overdraft in #** which was well under **************************************************************************** between my SSI disability checks. So if I overdraft it gets paid with my disability check on the 3rd of each month Sometimes earlier if it's a weekend. Its paid on that Friday before Anyway it posted today July 3rd and the overdraft fee and any overdraft balance was paid. Yet my cards were froze today and it was not in negative status. It left alittle over ****** in my overdraft account#** Then they tell me they don't know what happened cause it was paid in full September but a negative was left on my account. Now they are saying I have absolutely zero overdrawn available. I need my overdraw amount to help sometimes in between. I have been with EECU for over 20 years and never had any issues but this is going to cause me financial hardship this month without any warning. My next step is to contact OCC.I hope things can be resolved here. I am on permanent disability and someone needs to review my accounts to see what happened. The bank told me they released my cards from whatever was posted in September that was pd right away but still haven't given me any overdraft amount back.Thank you

  

  Business response

  07/21/2023

  **************** Thank you for bringing this matter to our attention. Because this is public forum, we are unable to go into any detail about this matter.  Our AVP of **************** Centers has been in touch with you and it is our understanding that your concerns have been addressed.  We sincerely appreciate your membership in EECU, and we look forward to providing you with a Better Way of Banking. 

• Initial Complaint

  06/21/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Every time we go to this bank we are told incorrect information by employees. No one there can ever answer the phone or call back. We have a CD there that should be eligible for a bump rate on the CD. When we attempted to have he rate increase, as told IN PERSON by an employee, we were then told later that same day that they could not increase the interest on the CD. We want all of our accounts closed out with zero financial penalty. This has repeatedly happened to us at this ***** EECU location. The employees are incompetent and apparently literally lie to your face.

  

  Business response

  06/26/2023

  ******************** Thank you very much for bringing this matter to our attention. We apologize for any inconvenience we may have caused you. Our AVP of **************** Centers has been in touch with you. It is our understanding that this matter has been resolved. If we can assist you further, please feel free to contact our AVP directly at the phone number provided. Again, we apologize for the inconvenience. Thank you for your membership in EECU and we look forward to providing you with a Better Way of Banking. 

• Initial Complaint

  06/07/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I began transferring my direct deposit from EECU to Unity One in mid-May. I could not close down my account ********************** account until a final check had cleared the bank. I had planned to keep the EECU account strictly for my social security check and using that check to pay off the balance of my EECU credit card. I had informed all of my accounts that I paid on a monthly basis about my changing credit unions and all agreed to suspend the May payment until I contacted them with the new routing number and checking account.On June 5, 2023, I made that contact with all entities and thought everything was fine. Then, on June 6, 2023, after 5 p.m., I logged into my EECU account and discovered that Consumer Cellular had failed to do as instructed and in violation of the notes they had on file about my changing credit unions. I saw a negative balance in the amount of $54.32. EECU knew there was not enough money in my account and should have denied the charge. Instead, they paid the Consumer Cellular bill of $53.53 and charged me an additional fee of $34.00 as a "Courtesy Pay Fee." No one bothered to contact me about the low balance. This is another reason why I chose to leave EECU: depraved indifference to the feelings of their loyal customers.Because of this "depraved indifference" toward me, I will now contact Social Security and change that direct deposit to be directed to my new credit union. There will no longer be any accounts that EECU can use to harm me financially. As to the balance on the EECU credit card, I will begin working on paying off the balance. That will be the only interaction from this point forward with EECU. I believe that the $34.00 needs to be removed. I am willing to pay the balance of the $53.53 after $5.00 in my savings account and the balance of $33.21 which was in my account is deducted from $53.53. I would owe $17.32 to EECU to bring my account to a zero balance.

  Customer response

  06/07/2023

  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,
  
  *************************

*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. ↩