ComplaintsforValley Star Credit Union

• Initial Complaint

  07/18/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  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

  More info

  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 April

  Business 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

  More info

  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 investigated

  Business 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

  More info

  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

  More info

  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

  More info

  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. ***** ****

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