ComplaintsforDuPont Community Credit Union
Credit Union
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Complaint Details
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Initial Complaint
03/07/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I have had 2 SSN on my bank account for 8 years I have called ******** and emailed them with my SSN and even sent my a copy of my license and SSN through the mail. To this day 8 years later still not fixedBusiness response
03/07/2024
Thank you for bringing this to our attention. DCCU will contact this individual directly to further research their concerns. We value feedback and appreciate the opportunity to address the situation.Initial Complaint
02/08/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
On 2/7 I called Dupont Credit Union about my debit card not working. There was money in the account and I had received no notifications indicating a problem. I discovered it wasn't working when I tried to pay a bill online and it did not go through. I was told it was due to "maintenance". The issue resolved and the card started working again. Today however 2/8 there are 13 holds on my account for transactions that never processed. They are refusing to release the holds on my funds even though they are aware that it was caused by their system error. These are unauthorized charges since it never actually processed and they will not release my funds. This is not the first time I had this issue with them shutting off debit cards with no warning. Absolutely ridiculous!!!!Business response
02/08/2024
Thank you for bringing this to our attention. DCCU will contact this individual directly to further research their concerns. We value this feedback and appreciate the opportunity to address the situation.Customer response
02/11/2024
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. For your reference, details of the offer I reviewed appear below. No one had contacted me and my funds are still on hold for multiple tranactions that did not go through. Regards, ******** ******Business response
02/26/2024
We have spoken with her and there are no holds on her funds.Initial Complaint
12/31/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I have an auto-loan with DuPont, along with a personal account and business account. I am struggling with some bills now and have been for the past several months due to pay-cuts and I reckon *** *****. In the past my truck payment was late I was notified about it and worked out a payment arrangement with DuPont, my loan payment is due on the 20th of month, on Dec.23,2023 they took every penny I had and put towards my loan, when the last time it was late they waited till the following month to notify me and took it. I received NO notification two days before Christmas. On Dec.29,2023 at approx. 1:30pm I try to use card and both accounts have been locked, with NO notification sent to me. The only way I can unlock them is by calling DuPonts ********** office on the next business day which I reckon will be Jan.2,2024. I feel as if someone is intentionally keeping me from what little money I have, and during the holidays. Maybe I’m wrong, but several months ago when my pay-cut happened and I finally got ahold of I believe ****** was her name about setting up payment arrangements, she seemed VERY upset with me like I owed HER money personally. She belittled me with a VERY ****** attitude talking to me like I’m seven years old. VERY UNPROFESSIONAL. Times are hard, I’m trying to pay everything, but to have the ability to keep someone from their money is just not right. For this to be happening the way it is, just to me seems intentional. I have NEVER had anything like this happen to me before. Thank you -****Business response
01/02/2024
Thank you for bringing this to our attention. DCCU will contact this individual directly to further research their concerns. We value feedback and appreciate the opportunity to address the situation.Initial Complaint
12/06/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I have an old credit card account that is still active with Dupont Community Credit Union, *********** **. They put holds on my checking account against payments to the credit card account that force my checking account negative. My balance was $2 07 on December 6th and it is now -$93.93 due to a hold they placed against the account for the credit card payment. This seems like an unfair business practice. There should be practices in place to ensure that a client's account is not forced into a negative balance as a result. In addition, a notification should be given via email or their message platform that a hold will be placed with the amount and the date. In addition, if a hold is placed it should not take several days for it to be posted. The balance simply goes negative and the actualBusiness response
12/12/2023
Thank you for bringing this to our attention. DCCU will contact this individual directly to further research their concerns. We value feedback and appreciate the opportunity to address the situation.Initial Complaint
08/09/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
During Covid My engine blew up in my car (Subaru) I made several attempts to negotiate with Dupont because I did not want it to go to collections. I offered to bring them the car to sell and the gentlemen I spoke to refused to take the car back even though I could not pay. I was confused because I knew they could legally repo it . I offered to bring it to them so they could sell it. The man I spoke with yelled at me and said " DO NOT DROP THAT CAR OFF HERE" A neighbor of a family member offered to buy the car from them to absolve me from the debt. They gave the car and title to the man for the price they negotiated. Then they reported the amount against my credit. I disputed it once and had it removed! Then they reported it again minus the amount the man bought the car from them. I want it removed from my credit. They took advantage of me in a vulnerable state even though I was trying to do the right thing. I AGREED TO SELL IT TO HAVE IT SETTLED !Business response
08/09/2023
Thank you for bringing this to our attention. DCCU will contact this individual directly to further research their concerns. We value feedback and appreciate the opportunity to address the situation.Initial Complaint
01/17/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
This credit union has out-of-date business practices, including overdraft fees for a denied overdraft, so that you may incur additional fees from any creditor you may have to pay. With no services to offset these price gouging practices, I decided it was in my best interest to go continue my business with my ***** account. I discontinued use of the Dupont Credit Union account in June 2022, transferring my direct deposit to my original bank. In September 2022, I started receiving notices that my unused account was past due. This sad excuse of a financial institution had been tacking on fees and transferring money from my savings to cover denied charges—not overdraft fees, but fees they charge you for not having the money in the account. In September 2022, I transferred $20.00 to the credit union account. After they received their fees, they closed my account and reported it to the credit bureaus as a write-off. I reached out to the credit union and informed them that I have proof of the time and date of my transfer and that if they did not fix my report, I would be filing a complaint. I disputed it with ********; however, the credit union blatantly lied and said that the account was written off and they never received the fees. I am requesting that the credit union fix their error with all three credit bureaus and ask that they send me the money I am owed: $3.00 plus interest.Business response
01/25/2023
Thank you for bringing this to our attention. DCCU will contact this individual directly to further research their concerns. We value feedback and appreciate the opportunity to address the situation.Initial Complaint
12/30/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
This Credit Union is assessing overdraft fees on accounts with positive current balances. There were three items that were presented against my account on 12/29/2022 that were assessed fees. At the time the items were presented for payment the current balance was positive, all items were assessed a $25.00 NSF fee...for example: current balance of $200, item presented for $150.00, balance after payment $50.00, fee assessed -$25.00, balance after fee assessment $25.00, item presents for $10.00, balance after presented item $15.00, fee assessed -$25.00, balance after fee assessed -$10.00 etc. I am employed by a competitor financial facility and fees should not be assessed to customer accounts unless the current balance is already in the negative. Assessing fees in this manner is unethical as the current balance is the total of all pending transactions and the available balance is the true balance if all the transaction were to post to the account.Business response
01/05/2023
Thank you for bringing this to our attention. DCCU will contact this individual directly to further research their concerns. We value feedback and appreciate the opportunity to collaborate on a resolution.Customer response
01/06/2023
I have reviewed the response offer made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. Regards, ******** ******Initial Complaint
12/06/2022
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
this has been ongoing for over a year.i get my check by the 3rd. of the month,by then the computer has me already due for two months so when you try to pay one month it takes all but 20.00$ for interest.i have tried talking to the bank on several occations.The bank just fixes the payment but the next month i have the same problem.It makes me look like im late with my payments on my house and home equity line of credit.You can tell just by looking at my balance of home equity line of credit for the last three months only 20.00$ a month principle with no withdrawals.Every payment is paid by the third and was fine before.This new program that shifted the due dates on home loans to the end of month is a money scam.Business response
12/13/2022
Thank you for sharing your concerns with DuPont Community Credit Union (DCCU). DCCU takes great care in addressing any member’s concerns related to their accounts. At this time, DCCU has researched the concerns and contacted Mr. ******* ***** on December 9th in an effort to address his stated concerns. We discussed a variety of options in which we could help address his stated concerns. Due to the sensitivity and confidentiality of someone’s personal financial matters; we are unable to provide any additional personal details in our response. DCCU offers many variable rate lines of credit that are priced and/or indexed using the current Prime Rate. Throughout 2022, lines of credit that have a variable rate associated with them have had several increases that may adjust someone’s payment. Any interest rate or payment adjustment is facilitated in accordance to the original terms of the loan agreement. We will continue to work with Mr. ***** to address any and all issues in a timely manner.Initial Complaint
11/18/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Me and my fiancé are CONSTANTLY having our withdrawals moved around to charge us fees. I keep track of everything I spend down to a tee yet somehow I wake up with a negative balance and so many overdraft fees it’s insane. There’s no possible way for me to be over drafting when I have everything accounted for. **** ** * ********* ** **** ****** *** *** ****** *** * ** **** ** ***Business response
12/06/2022
On Nov 21, we spoke to Ms. ******. She shared that she needs to review her account and contact us when she is able to determine the specific time frame for when she called DCCU regarding her account going negative. She also let us know that her complaint was more concerned about her fiancé's account than her own. We have emailed Ms. ****** with contact information so that her fiancé can call when it is convenient for him to review his account.Along with the email to her with contact information for her fiancé, we also left a follow-up voicemail requesting she reach out to us. As of today, we have not received a response to our email or voicemail requesting additional contact in order to address her complaint. We would be happy to address any continued concerns with Ms. ****** or her fiancé.Initial Complaint
02/28/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have been a member of DCCU for over 10 years. Last week, there was an item that was a $25 item that was returned and a $25 fees assessed. The item presented to my account when there was a balance of $19.00. After returning the item, they refunded the return fee, which bought my account back to the $19.00 balance it was previously. I am angered because the item could have been paid, left me at a -$5 balance, after the refund of the fee. I 've had a constant bi-weekly direct deposit the entire time I've had the account. This transaction has resulted in me having to open an account at a competitor and use them for this payer. This interaction has left me feeling more like a number and not an actual member which is what DCCU states that I am. Since I am being treated like a number, I have decided to move my direct deposit and close my account as well as my husbands account. I will not be recommending DCCU to anyone that I actually care about as I do not want them to have the same negative experience as I had.Business response
03/07/2022
We were able to communicate with our member ******** ****** via email. We reviewed her concerns and the timeline of the overdraft with her. Unfortunately *** ****** experienced a significant difference between our check-clearing process and the process she followed at her previous financial employer. Unless someone brings a DCCU draft to a branch to negotiate, all drafts/debits clear through an automated system as opposed to being manually processed by an individual. Due to this process, we try to ensure our members know about all of the options they have to cover a draft/debit should it attempt to clear when there aren’t enough funds to cover it. We offered to cover these options with *** ******. However at the time she was not interested. We hope we will have the opportunity to work with *** ****** in the future to protect her account from overdraft fees.Thank you.
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Customer Complaints Summary
10 total complaints in the last 3 years.
4 complaints closed in the last 12 months.