Complaints

This profile includes complaints for Telco Plus Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Telco Plus Credit Union

  423 Gilmer Rd Longview, TX 75604-4622

  
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  Telco Plus Credit Union

  1010 SSE Loop 323 Tyler, TX 75701

  
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  Telco Plus Credit Union

  7395 S Broadway Ave Tyler, TX 75703-5004

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:11/06/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On August 28, 2024, a company (Sleepy Perfection) charged a purchase against my Debit Card without my permission. I refuted the charge of $49.75 with Telco Plus Credit Union and they refunded the money to my account and began what I believed to be a "Fraud Complaint" against the vendor. After approximately one month, the $49.75 charge was again deducted from my account and when I went into the bank to ask what had transpired, I was informed that Sleepy Perfection had provided paperwork to legitimize the charge. I told the banker that I did not approve any purchase, I did not order any product and I had not received any product. They replied to me that my wife had probably made the purchase. My wife is a Permanent Resident from *******, she does not speak English very well and making an Online Purchase is not something that she would ever do without my assistance. By October 17, Sleepy Perfection told me that they had tried repeatedly to refund my money and that on October 17, Telco Plus Credit Union was paid the $49.75 in dispute. I immediately went into Telco Plus 223 Loop Branch and I was told that they had not received the money that Sleepy Perfection claimed. Having now had enough of this, I filed a complaint against Telco Bank with a **************************. Within two weeks, I received a call from a ****** ******* (Longview) who told me that they were terminating their relationship with me immediately based on a threat of "Gun Violence" that they claimed I had made to one of their employees. I am a law abiding citizen and I find this claim offensive. When I inquired of ****** whether or not a Police Report had been filed, he replied that he did not know. All of this for $49.75. I told the young lady who apparently made the claim of a gun threat that it was not about $50; it was the point of the matter. I will never tolerate FRAUD which has now become a part of American business as the economy continues to falter. Telco Plus owes me $49.75.

  

  Business Response

  Date: 11/19/2024

  Telco Plus Credit Union complies with federal regulation in handling purchase disputes. An investigation of this particular situation found that the regulations were correctly followed and applied. The credit union has a reasonable responsibility to consider seriously and not accept any threat or insinuation of violence made against any employee or member.

  Customer Answer

  Date: 11/22/2024

  I am rejecting this response because:   The implication that I threatened someone is not true; I have never threatened a bank employee.  The incident in question involves an unprofessional bank employee who did not understand my frustration at having spent hours trying to resolve a simple issue.  There is no excuse for unprofessional or immature conduct by an employee of an institution that handles money or business transactions.  If Telco Plus chooses to make a false claim against my character, this will not stand.
  

  

  Business Response

  Date: 12/10/2024

  The employee accurately recounted the experience including exact words used during the interaction,which Mr. ****** did not previously dispute. On its face, it is a threat of gun violence. He noted in an earlier conversation, he acknowledged the remark and stated that he felt it was a figure of speech not a literal threat. We have communicated him that in the current context we cannot take such things lightly any more than you can figuratively suggest you have a bomb on an airplane.
  
  The Credit Union will not take a threat to an employee lightly and we expect all members and employees to conduct business without threats of violence even when feeling frustration about some matter of business.

  Customer Answer

  Date: 12/17/2024

  I am rejecting this response because:  the position of a supposed reputable business is untenable; bringing the term bomb into the conversation is disturbing.  The claim that I agreed with having made a gun violence threat is also untrue.   If these are professional people, why was a police report not made?  If as a society we are now going to fabricate and manipulate speech and then to escalate issues out of reason THEN, we fail to recognize that the election of President ****** ***** is testament to a new era where news and claims will be made to account for their fallacies and inaccuracies.  I remain resolute that Telco Plus has taken a position of arrogance in their failure to protect their customer.  I will not accept their false claim and frankly, I would rather have an apology from ****** than the $49.75 that Telco Plus has cost me.  Sincerely, ****** *******
  

• Initial Complaint

  Date:10/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **** contacted my wife and myself in August when a loan account had become late.We were offered, accepted AND met the conditions by the bank to avoid negative reporting.Bank DID NOT uphold their end of the agreement and still reported negative information to credit agencies. We are requesting the bank correct this inaccurate reporting AND the inaccurate report from 2021 that we were told was removed because again bank error. This is for myself and my wife's credit reports.

  

  Business Response

  Date: 11/17/2023

  The member was offered a reasonable approach to handling their situation which they apparently interpreted to include something that was not intended. When this later became apparent to us, because of the apparent and understandable assumption that the solution included removal of the original accurate report (which it did not), in the interest of the member, a secondary solution was offered and agreed to which includes activities that are yet to be completed by both the member and the credit union. Assuming that the member meets the requirements agreed to, the credit union will also complete its agreement. The complaint suggests this is a completed matter, where the member fulfilled the requirement. That is not the case and their completion of their part of the offered resolution remains to be seen. None of the recent discussions included anything pertaining to 2021. The credit union is not at liberty to change accurately reported history and will be responsive to any dispute presenting evidence of any error. Errors in reporting are extremely rare because the entire reporting mechanism is highly automated, reliable and common across thousands of financial institutions. The current example is a discretionary matter due to the likelihood of two people having a verbal conversation and each believing it meant somewhat different things. As a result of that context, we are allowed to make the offered adjustments assuming the member accomplishes what is required of them. Most attempts to interact with the member, including all efforts made after this report was received, have been unanswered and ignored making it hard to consider this a serious attempt to partner to accomplish an outcome beyond the obvious attempt to discredit the credit union. Credit disputes are handled a very particular way which does not include the BBB and does require specific evidence of error.