![Not BBB accredited](https://m.bbb.org/terminuscontent/dist/img/non-ab-icon__300w.png?tx=w_120)
ComplaintsforValley Star 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
07/18/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
May 14, 2024 I was a victim of fraud through ValleyStar. It has yet to be resolved. I submitted attached documents to their fraud management department. I have made numerous phone calls trying to get a disposition. I get either promised a call back or am told I have to talk to another department. I just got off the phone with the bank and the lady that I would have to talk to customer care/relations. I ask her for the phone number, and she give me the same number that I called. I need a resolution.Business response
08/06/2024
Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10 CFR 1016. Therefore, we deny each and every statement or allegation in your letter of July 18, 2024. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will and have responded to them directly as required by applicable laws.Customer response
08/07/2024
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. Regards, **** ******Initial Complaint
04/09/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Valleystar credit union has reported inaccurate information to my credit report. According to the FRCA all information must be completely accurate. This company has repeatedly refuse change the inaccuracies on my credit file for several years. As you will credit reports from March and AprilBusiness response
04/24/2024
Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10 CFR 1016. Therefore, we deny each and every statement or allegation in your letter of November 8, 2023, and received 4/17/2024. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them again directly as required by applicable laws.Customer response
04/25/2024
I have reviewed the response offer made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. Valleystar has continue violate my consumer rights under FCRA as I have provided several months of credit reports back up my claim of re aging and false reporting to all 3 credit bureaus. I demand this account be deleted from my credit file Regards, ******* ******Initial Complaint
03/27/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I do not agree with increasing my auto loan by $700 without any breakdown on how this was even the correct amount for being uninsured. My car payment is $565 and it jumped to almost $1200 that they made me pay or I’ll lose my vehicle. When I got approved for the loan I got approved to pay $565 not $1200 as my income is not that much to all of a sudden pay this penalty. It’s a struggle to the consumer and they shouldn’t be allowed to do this. I have paid this for 4 months and had to wait until I come tax to get car insurance so the payments can go back down but this should be illegal. I do not have any paperwork on this increase. What they should do is add one fine or penalty and it should be added into the loan vs paying it immediately. When you call for options they are like this is the what it is. What is collateral insurance and how is it legal and why is it so much! Yes I know that you need insurance but people lose jobs and go through financial hardships and they should not be allowed to do this. As a consumer I am getting a lawyer. I do not think this was handled correctly and it’s not right for a consumer at all. Their process should be investigatedBusiness response
04/24/2024
Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10 CFR 1016. Therefore, we deny each and every statement or allegation in your letter of March 27, 2024. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.Initial Complaint
12/22/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I have sent letters to Valleystar Credit Union in October and November 2023 asking them to stop reporting to my consumer report regarding this account. Valleystar Credit Union, has failed to write to me the consumer and disclose where the law states that Valleystar Credit Union has permission to report anything on my consumer credit report. I have NOT allowed Valleystar Credit Union to report this information or any information on my consumer credit report or any 3rd party. According to consumer law 15 USC 16802 Financial institutions in this case Valleystar Credit Union has an affirmative and continued obligation to respect the privacy of its customers and to protect the security and confidentiality of those consumers non public personal information. This law has been violated as I am the consumer, and you Valleystar Credit Union is the furnisher. Valleystar Credit Union as the furnisher of information, debt collector, financial institution, corporation, if any person uses my information without permission that is identified as aggravated identity theft. Valleystar Credit Union will be sued in the amount of $1000 for knowingly and willfully obtaining information on me, the consumer, from a consumer reporting agency under false pretenses as it states in Consumer law code 15 USC § 1681 (Q) If any person uses my information without permission that is aggravated identity theft. Per federal law, there must be permissible purpose. I did not give permission to report this or any account on my consumer credit report, therefore, this is aggravated identity theft as Valleystar Credit Union used my information and publicized it. $1000 Consumer law code 15 USC § 1681 (Q) and 15 USC § 1681 (A)(2) In accordance with the written instructions of the consumer of whom it relates.Business response
01/18/2024
Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10 CFR 1016. Therefore, we deny each and every statement or allegation in your letter of December 21, 2023. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.Initial Complaint
11/18/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
I'm not liable for this debt from valleystar credit union. I haven't signed any agreement with valleystar credit union for unsecured loan. Valleystar credit union has been reporting inaccurate information to credit bureaus date of payment and date of activity and balances are incorrect. I demand this account be deleted from all 3 of credit bureaus.Business response
11/28/2023
Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10 CFR 1016. Therefore, we deny each and every statement or allegation in your letter of November 8, 2023. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.Customer response
11/28/2023
I have reviewed the response offer made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. In previous complaints I've shown the inaccurate information this company been reporting to my credit report. If they're unwilling to respond to my request that information should be deleted from my credit report. Regards, ******* ******Initial Complaint
08/08/2022
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
On 7/21/22 I, ***** **** open an account /cd at valley Star credit union.(joint with my husband.) for $300,000.00 This transaction was at the Valley Star CU Roanoke with manager *** **** *** ****. He gave us his direct number, but still no contact back from my messages. The next day Valley Star made a hard hit on my credit and made my score of 825 go down from the hard inquiry on my credit that I wanted a mortgage loan. I did not authorize this inquiry for a loan or a credit card. I put money in the bank and I am not interested in a loan or. Credit card. Also the account is in my name ***** with my social security number and they made the hit on my husband ****** credit. This was not authorized and after many, many, calls, messages, voice mails, emails, no one will get in contact with me for this unauthorized inquiry to our credit. I would like this hard hit inquiry on our credit removed and for the credit union to contact me. ************ *****Business response
09/01/2022
Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10 CFR 1016. Therefore, we deny each and every statement or allegation in your letter of August 8, 2022. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.Customer response
09/01/2022
I have reviewed the response offer made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. The credit union did contact me and investigated the problem on their end. I was told, after they looked into the problem, they made a technical error and hit me with a hard inquiry instead of a soft inquiry on my credit. They should not, and did not have permission to hit me with either inquiry. How many other clients have they did this to! Also their explanation for not contacting me back for weeks, after I left numerous emails and telephone messages, was short staff on their part. Bad business! Thank you Better Business Bureau for nudging them in the right direction to email me to get this problem corrected. They changed my hard hit to a soft hit on my credit. Also, the reason I am not satisfied with their response to you was they denied all wrong doing in their response to your letter. They took no responsibility for what they did. ***** ****
*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
Customer Complaints Summary
6 total complaints in the last 3 years.
5 complaints closed in the last 12 months.