ComplaintsforPeoples Advantage Federal Credit Union

• Initial Complaint

  06/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, EQUIFAX, EXPERIAN, INNOVIS, LEXISNEXIS, FACTORTRUST, ******** AND ARS HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNT ********************************************* FCU Account Number ***************** ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from PEOPLES ADVANTAGE FCU WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER (MYSELF) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

  Business response

  06/28/2024

  Dear Star *******,
  

  After conducting a thorough review of our records, we affirm that the information reported is accurate and reflects your financial history with Peoples Advantage Federal Credit Union.

  This disputed information pertains to the account # *****************.

  Our records indicate that the reported information is consistent with your account activity and history.

  We have mailed you the documentation that supports the accuracy of the reported information to include the Account Card, Membership Agreement, Negative Account Letter, & Account Statement to your address on file.

  If you require further information or have any questions regarding this matter, please do not hesitate to contact our customer service department at ************.
  

  Thank you for your attention to this matter. 

   

   

• Initial Complaint

  02/23/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have had a car loan with this bank for over 2yrs now. I switched insurance carriers Aug 2022. Feb ****************************************************************************************************** have bank listed as lienholder. I advised this is not true and asked how can I fix.Was advised to submit proof of insurance then fight for a refund from 3rd party company. Everything to fix this issue is impossible to do. I am unable to make my payment online because I need my account number. I requested and address change and the docusign document is not active. I try to make payment over phone, but bank isn't available after 5pm. They are still charging me an extra fee and system is not customer friendly to resolve issue. Impossible to make a payment, impossible to update address, being charged an extra fee for no reason, after 2 yrs of auto payments, now causing my account to fall behind.

  Business response

  03/03/2023

  March 3, 2023
  
  *********************************************************************************************************************************************: BBB Complaint # ********
  
  
  Dear ****************:
  
  This letter is to inform you that we are in receipt of your complaint to the Better Business Bureau and are committed to ensuring that we respond to all your concerns.  In your complaint, you advised there was a concern with insurance coverage on your 2016 ****** Corolla, which resulted in an increased payment amount and fees billed to your loan balance.  We appreciate the opportunity to assist and would like to address all concerns brought up in your complaint.
  
  Our records indicate that notice was received from ********************* that your automotive policy was canceled, per your request,effective 8/15/2022.  A policy document was subsequently received from GEICO for the 2016 ****** Corolla, effective 2/16/2023.  Per the information received,during the period of 8/15/2022 and 2/16/2023, there was inadequate insurance coverage on the vehicle.
  
  Please note that per the terms of your loan contract, you must always maintain full-coverage insurance. When we receive notice of cancellation, notices are sent out to the address on file advising that we may place the vehicle in a policy.  When this is done, the credit union pays for the policy and subsequently adds the amount paid onto the loan balance.  In addition, when this is done, we reserve the right to increase your loan payment by the amount of the premium to ensure loan balances are paid down adequately once payment is received.
  
  Since the notice was received that you do have full coverage insurance, we have put your payment amount required back to $114.00, due biweekly.  Please note that your next loan payment of $114.00 is due on or before 3/10/2023, and the loan is currently not considered past due. 
  
  Regarding your request for a refund in premiums billed to your loan between 8/15/2022 and 2/16/2023, we will need you to provide proof of full coverage insurance existing on the 2016 ****** Corolla during that timeframe.  You can send this proof directly to us at *******************************************.  You can also provide this to us in a message that you can send to us through online banking or our mobile app.
  
  Also, please note that a member of our ******************** did attempt to contact you to go over the information in this response.  Feel free to respond to them at your earliest convenience.  We want to ensure that all of your concerns are addressed and that we do what is needed to ensure you are satisfied with the resolution.
  
  If you have any further questions, please contact us at **********************.
  
  
  Sincerely,
  
  ***************************
  Chief Risk Officer
  Peoples Advantage Federal Credit Union
  **********************
  ********************************************** us why here...

*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. ↩