ComplaintsforMOBILITY Credit Union
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
03/05/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am filing this complaint against Mobility Credit Union of ****** **.I obtained a credit card through Mobility CU back in May of 2015. Subsequently after the Covid layoffs I had to do a credit repair in which I settled the owed amount and paid them the balance ($857). Well for the past year and a half I have been battling with Mobility CU to correct my credit file. They reported a 0 balance to 2 credit agencies but left the $857 balance on Trans Union. After going around and around with different departments (credit card, collections and branch offices) It is still on my credit file as a derogatory balance of $857. I got in touch with an employee in their credit card collections **** which told me they would be sending a removal letter but the only thing that happened was they updated the description. I still had a derogatory $857 balance at Trans Union which is incorrect as they did send the correct 0 balance to Experian and Equifax. Well I contacted them again and was able to speak with a Branch Mgr/AVP who actually responded to my emails/calls but unfortunately whatever was submitted from Mobility CU ended up just placing the derogatory description back onto my credit file which dropped my score 30 points. Then a month later I got an alert that Mobility CU added the derogatory $857 balance to Equifax. I now have 2 bureaus reporting this and my score dropped another 15 points for a total of 45 points within 2 months which cancelled my mortgage negotiation contracts! I notified the Branch Manager who actually responds to my inquiries and they advised me that they are escalating this but after this long it is only right to file a complaint with the BBB and CFPB. I have my acct number and I monitor my ********************** through 3 different vendors that can support this happened. Please help me rectify this situation.Business response
04/10/2024
On 7/06/2021 Mobility Credit Union agreed to settle *********************** card balance of $1657 for $800. At that time, we stated that we would change the credit report charge off status on the credit bureaus to account paid for less than full balance. We updated *********** as settled on the credit card at the three bureaus. On 1/16/2024 ***** called Mobility Credit Union and ******* relayed a message to our ** of Lending about two bureaus reporting a deficiency balance of $857.11. The ** of Lending sent information to our staff to update *********** to correct the issue. Upon receiving this BBB request our ** of Lending contacted *********************** on 4/05/2024 and agreed to remove the credit card tradeline from these credit bureaus. Proof of the removal of the tradeline was sent to ***** by email @ *********************** on 4/05/2024.***** should see an improvement in the credit scores at those bureaus soon.
Thank you for the opportunity to respond to *********************** complaint. Mobility Credit Union values feedback from its members and our mission is to provide the best service to them.Customer response
04/15/2024
I have reviewed the business response and accept this resolution. I want to thank ***** and ********* for helping me with this issue. I am very satisfied with the outcome and appreciate the attention to this matter.Initial Complaint
05/22/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Unanswered
I went to the Branch 05/06/2023 and 05/13/2023. I have paid my equity loan from one of their shared branches. 05/06/2023 They have put my amount to wrong account I have found out with in few mins informed to staff who made the transfer they blindly deny my request and they said they are correct after 2 days it was proved i am correct they put the amount in wrong account my checks got bounced for get it corrected it took a week for follow up.05/13/2023 I have given check and asked them pay for my equity loan and check was issued for equity loan and again they did wrong as in my current account they have ************************ my car loan account. check was issued and correct details were given to staff again they put wrong account.on 05/13/2023 I have double check with the ASST ****** to request my loan amount paid to correct account. they have verified any placed again wrong account. There was no crowd and it calm place and making more mistakes and giving troubles to customers.They suggesting to go me some where other credit union. I have the same staff can you please give me letter from you manager we can't performed the duties in the branch so that i don't need to come to this branch. They are wasting of my time and trying throw the issue on customer blaming My other *********************************************. this is unfair that is not shared branch i am not supposed to go but Mobility credit union is Coop branch and doing services for all the other credit unions. If they can't perform the duties better to close the branch.Initial Complaint
06/17/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I settled a charge-off account with MOBILITY CREDIT UNION last March 2022 and I was advised that the negative account will be removed from my credit in 30-60 days. It's been 90 days and the negative account was still being reported. Please help me get the negative account removed from my credit report.Business response
09/12/2022
Business Response /* (1000, 9, 2022/08/02) */ After thorough research of the complaint, I could not find that the account was not updated as stated. Per Experian the account is not reporting. Per Triverity, the recovery agent on the account, the balance was updated to 0 and the account was updated to show settled in full. If the the member has evidence of the account not being updated I am open to researching further. At this time this account appears to be resolved.
*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. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Contact Information
Customer Complaints Summary
4 total complaints in the last 3 years.
1 complaints closed in the last 12 months.