ComplaintsforSpokane Teachers Credit Union

• Initial Complaint

  06/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Dear Better Business Bureau,I am writing to seek your assistance regarding an ongoing issue I am experiencing with Spokane Teachers Credit Union (STCU). I recently refinanced my car with STCU, and they have requested proof of insurance. Despite my repeated efforts to provide the necessary documentation, the issue remains unresolved.To date, I have sent the following documents to STCU multiple times:Insurance binder Emails from **** confirming my insurance coverage Insurance ID cards Despite these submissions, STCU continues to request proof of insurance. I am at a loss as to what additional documentation I can provide to satisfy their requirements, and I am concerned about potential fines or penalties for not having insurance, which is not the case.I am requesting your assistance in resolving this matter promptly to avoid any unwarranted penalties. I appreciate your attention to this issue and look forward to your guidance.Thank you for your time and assistance.

  

  Business response

  06/26/2024

  Good afternoon, 

  Attached is the letter that we have provided to the individual regarding his complaint.

  Thank you, 

  ***********************

  Customer response

  06/26/2024

   
  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,
  
  *****************************

• Initial Complaint

  06/13/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On Tuesday, June 11, 2024, I went to the *************** branch of STCU to deposit some checks. When I used *** to deposit a check for $10,000 the screen froze on "One moment please" for over a minute, so I tried to cancel the transaction, but nothing happened. Finally, the screen said "Do you want to cancel this transaction?" I hit cancel, the *** spit out my bank card but kept my $10,000 check. When the bank opened I told them the *** malfunctioned and ate my check. A bank manager said, "Do you want to file a dispute?" I said, "No I want my check back." She said, "Well then you have to file a dispute." I said, "I don't understand, how is this going to get my check back?" She said, "The maintenance men come once a week and someone will call you." Confused, I said, "Maintenance men? Do they bring the checks into you then?" She laughed and said, "No they keep them." I say, "How long do they keep them?" She smiled, shrugged and said, "Forever?" At this point I'm done talking to her and ask to speak to someone else. I explained again to the new manager what happened. She said "Lumens comes twice a week and they've already been here once so someone will call you." I deduce that Lumens is a contractor for the ***. I tell her I just want my check back. She laughs and says, "Oh this a common . . ." then catches herself and says, "No, I mean it's not uncommon for this to happen" and laughs again. Then she asks me, "Is this a check you were expecting?" Like, I don't know, does she think I tried to deposit one of those fake checks car dealerships mail you? Like a check for $10,000 just dropped in my lap with me not knowing where it came from? I might be old but I'm not stupid! I just glared at her and say yes it's from my son. Then they read aloud something about police investigation and fraud, apparently a warning to me. "Do you want to proceed?" "YES." I want my check back and an apology for all the laughs they had at my expense for a truly upsetting experience.

  

  Business response

  06/17/2024

  We have provided the attached letter to that has been mailed to the member.

• Initial Complaint

  09/07/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I mistakenly paid this company my hospital bill since online they seemed to be associated with the hospital. After noticing they charged me a fee to pay I contacted the hospital they told me they are not affiliated with doxo and it was a scam. None of the money I paid was sent to the hospital NONE.

  

  Business response

  09/14/2023

  Hello, 

  I attached the response we provided to the member. 

  Thank you.

• Initial Complaint

  08/17/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had inquired about home equity loan options and we had decided that it would help us get some work done around our property and also pay off some bills. I started this process around March 26th 2023 and I feel I was greatly mislead. I know the detriment to a high interest rate but I had never inquired about home equity loans before. I wanted to make sure that the interest rate would not be outrageous and I continued to ask about this during my conversations with the loan officer. I feel she was evasive and left me hanging. I have all of the e-mails and have put most of them together in a document form. She really did not explain things well and lead me to believe that my interest rate would be around 8% and said my payments would probably be around $450 (which the e-mails show these statements) She kept saying "just another couple days" or "Just another week or so". I had called a few times and did not feel that she ever explained ANYTHING very well but just kept putting me off. I strongly believe that she misrepresented the process and the interest rate, maybe to get the sale, I do not know but now I have a HELOC with a $60,000 balance and a 14% interest rate and it is killing us. The payments are $700/month and that is just paying the interest. The way she handled this was very wrong. I have attached the document with the e-mails and I have not deleted any of the emails between myself and her

  

  Business response

  08/25/2023

  Attached is our response to the complaint. Thank you.

• Initial Complaint

  08/09/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Ive been an STCU member since 2017. Year after year Ive tried getting my first credit card from you guys. No credit to speak of, ** told to get a credit card to get credit, yet not having credit doesnt let me get a card with STCU. Further more, I tried for the 14th time to get a credit card over the years, never had one before and I needed one to get a car so I could keep my job. But I was told I had to hold my job for 4 months to get a credit card. Thus I lost my job because I couldnt get a card. How is me, an STCU member for six years, supposed to ever get his first credit card? Ive never been able to get a car because you guys wont let me have a credit card. Not letting me because I cant hold a job long when the credit card is what I needed to be able to hold my job? Like what am I supposed to do? Im 23 now and trusting STCU has screwed me

  

  Business response

  08/17/2023

  Attached is the response to complaint #********.

  Thank you,

  ***********************

• Initial Complaint

  08/03/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I would like to file a formal complaint against STCU credit unit. They failed to report important information honestly to Loss Mitiagtion and gave us false information several times for months that could have prevented in me owing over $9,000 in past due mortgage and legal fees against our home loan. We were told by Loss Mitigation today that there was nothing they could do once they send out that default notice on the home even if it was STCU at fault. They reported that I wasn't making contact falsely and that I wasn't taking the loss calls because we were told by STCU not to on May 26th in a meeting. We would have looked into options with the ************************** and taken their phone calls and answered the door to the people they sent except the manager at STCU and the gentleman from the finance department we spoke with on May 26th told us not to because we were getting scammed. They told us they don't have outside sources that try to refinance home loans like that, I mentioned ***** by name and gave her number and asked to verify who she was. The manager at STCU said they had no idea who that was on May 26th. I found out today that she works for Loss Mitiagtion and was trying to get in touch with us before the loan defaulted and STCU failed to tell us that that day so we could fix it when our balance was at that $3,000. STCU told me that person didnt work for them and to call the police if they showed up again, looked up our account in front of my wife and I and told us that we didn't need to pay back the $3,000 our account was at back on May 26th at our meeting and that the people sent by ***** didnt mean we needed to pay anything then or refinance. They said we could make a $700 payment that month and be fine and that we didn't need to do anything else as long as we communicated with them about our financial situations because our account looked good. I want to file a complaint against STCU letting it go this far when they could have helped in May.

  

  Business response

  08/14/2023

  Please see attached for complaint #********

• Initial Complaint

  07/26/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  We entered into a loan agreement with STCU (Spokane Teachers Credit Union) in about July of last year. We made the mistake of not securing insurance within the deadline, totally our fault, a little bit of ***** would have been nice, but I get it its business. As of a couple months ago, we switched insurances and because our new insurance didnt submit the insurance information with the correct VIN or lienholder information, we are being charged a fee of over **** by STCU. The problem here is that when we received notice from STCU that the insurance information was missing, I submitted on 3 separate occasions proof of insurance and the documentation from Allstate that the ** was in fact insured. We received no correspondence in return until the notification that a fee would be added to our loan balance if the insurance information was not updated at which point I reached out to general customer service to find out why they were not acknowledging or receiving my info. I found out these problems and swiftly updated the information only to receive a notice that the fee had been applied despite the company knowing that I didnt know what the problem was and despite the company knowing that I was actively working to correct the problem. STCU is not a customer friendly company. They are always looking for ways to charge fees and stick it to hardworking consumers for free money for themselves and nobody should be doing business with them.

  

  Business response

  08/09/2023

  Good afternoon, 

  Attached is our response to complaint # ********.

  Thank you, 

  ***********************

• Initial Complaint

  03/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I closed my account with stcu in September of 2018 and have been making payments for the last almost 5 years on the card. I called to find out the balance of the card being it should have been almost paid off by now and I have not been receiving statements this whole time to find out the balance is still **** the card was **** @13% interest. I found out that the payments I've making have not been paying down the amount that I'd thought this whole time because every month with out my knowledge the company has been taking $20 from each payment for interest.

  

  Business response

  04/05/2023

  Good morning,

  The response for this member is attached, and being mailed today.  Thank you.

  ***************************

• Initial Complaint

  03/27/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I'm filing this complaint against STCU because I had to overdraft my account during the pandemic. Which probably a common thing considering circumstances. I had a variation ach charges rolling onto my account 3 times a day. I reached out to **** to see if we could pause the account. They said we can not and will not freeze, suspend, or close accounts while in the negative. I terminated all my cards, took autopay off everything, and the payments where still hitting my account. The company refuse to help me pay them which I was getting hit with 3 overdraft fees a time for the days the days its was charging. I reached out to the **** today to try and make an amends to get the balance paid they said it has been handed to collection agency and to work with them to get it down. I have been making payments towards the debt. I call the debt collector ******* financial and the instructed under there agreement with STCU to not make settlements or take anything less than what is owed with Ineterest. There is no chance of settlement or payoff for something I tried to prevent. Also was threaten by a previous agent at ******* about this account that if I didn't pay they would go after my soon to be ex wife using intimidation tactics. I'm just trying to get this resolved and settled but for what I am reasonably responsible for. I was told by an agent today at stcu that they could of done something to help but chose not to. Stcu is supposed to be a non profit credit union for its member but there just another bank. Need resolution to this issue with the bank I can pay this week depending on amount. Also the payments that have been sent already need to be applied to that.

  

  Business response

  04/04/2023

  Good morning,

  Attached is a response letter sent to ************ today.  Please let us know if you have questions.

   

  ***************************

• Initial Complaint

  03/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hello, my name is ************************* and I am writing to request help with fraud transactions that were taken out of my savings account without my approval. I bank with Spokane Teachers Credit Union in Spokane, WA. I recently identified a series of fraudulent activities in my savings account that were made in August of 2022. I found seven small transactions that ranged between $0.01 to $0.28, and then on Aug 31st, a large transaction for $4,924.00 was transferred to an unknown ***** Fargo account.I wasn't made aware of this activity and didn't receive any notice from STCU, or bank statement to review activities. This is my savings account, and I do not check it frequently since I set funds aside for savings. When I reported this fraud to STCU, I was told that since it was not reported to them within 60 days they cannot return funds or provide any insurance. STCU is not offering any protection to me as their client.These are my savings. I cannot afford to lose my money and this puts my family situation at risk. I ask for your help with reporting this bank which are not offering any help to me at this time. Enclosed is the bank information:Spokane Teachers Credit Union Dispute #*****

  

  Business response

  03/23/2023

  Attached is our response to the complaint.

  Customer response

  03/24/2023

   
  Complaint: 19595576
  
  I am rejecting this response because:

   

  As a client who has deposited funds into my savings account I should have protections in place to secure my money and financial transactions. I did not know I was limited to only 60 days of protection with STCU. I trusted that my money was kept safe as it was for savings. I ask that STCU return the complete funds of this dispute to my account and manage the claim with ***** Fargo separately. I have the right to have access to the money I deposited and trusted you would keep safe.

  
  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. ↩