ComplaintsforGoldenwest 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
10/07/2021
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Resolved
I had a checking account with gwcu in in july 2017. I had overdraft protection up to $700. I paid numerous overdraft fees of about $21 for each transaction. It happened that my account went into the full $700 in overdraft. I lost my job I had at that time. I was unemployed for two months. In that time my account went into collections. I paid the full amount to the collection agency. In Sep. 2021 my current employer tried to open an HSA for me, with a different bank. I was denied. Come to find out gwcu put me under a negative banking history, due to an unknown to me "collection fee", of around $371. Of which gwcu said was uncollectable. I was under the assumption that any negative banking history on my behalf was resolved upon payment in full to Bonnevile collections, when I paid them the full amount in Feb. 2018. This issue has been negatjvely affecting my credit, although I was able to open an accout with another local bank with no issues, in Jun. 2020.Business response
10/08/2021
We have reached out to our member and made the correction as requested. We believe we have satisfactorily resolved this issue.Customer response
10/09/2021
theInitial Complaint
10/04/2021
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I called Goldenwest Credit Union to make, what I thought was, a reasonable request. I have a recurring transfer debited from my checking account every month that I no longer needed. Upon being unsuccessful with cancelling my subscription with the merchant, I requested that Goldenwest Credit Union help with resolving the issue. I asked that they stop the recurring transfer as I no longer authorize it. They said they will not stop it from going through even after I stated it is not authorized. The only solution provided was to cancel my current debit card and send me a new one.Business response
10/18/2021
We have been unable to reach our member for resolution of this issue, but will continue to attempt to do so. We do have options on how to resolve the issues stated in this complaint. If our member will reach out to *************************** at ************** or ************, we would be happy to assist.Customer response
10/19/2021
Better Business Bureau:
I contacted the Goldenwest again and was able to work out a compromise with the situation and I am satisfied with the outcome.Sincerely,
*******************Initial Complaint
07/26/2021
- Complaint Type:
- Billing Issues
- Status:
- Resolved
Established a Lot Loan through GWCU in Aug 2020 with a minimum monthly payment due of approx, $707/month. Made payments via their website and mobile app each month in the amount of $1000 - also made additional payments intermittently to be applied toward principal. When the loan was established I was told it was no issue and any additional payments/credits would be applied toward principal. Now I see each month majority of the credit is being applied to interest. For example: $1000 payment made - $861.08 toward interest, $138.92 toward principal. Makes no sense that more than the minimum payment goes toward interest?!? I contacted GW customer service who advised me you must call or go into a branch to make payments directly toward principal. They were unable to reallocate any of my prior payments toward principal. Frustrated because there is nothing on their website that indicates you cannot make principal payments on a mortgage. Customer since I was 12. What a shame!Business response
07/27/2021
We reached out to our member to explain why the interest payments seemed so inconsistent. We set up a loan transfer from savings, so that there would be more consistency in the interest amounts month to month. We explained the best way to make a principal only payment would be to increase the amount paid each month, and to make it on the same day rather than a couple weeks later. Our member seemed satisfied with the explanation.Customer response
07/28/2021
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,
****** ****
*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.
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
19 total complaints in the last 3 years.
5 complaints closed in the last 12 months.