ComplaintsforNumerica Credit Union

• Initial Complaint

  10/20/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.NUMERICA CU ********** $0.00Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business response

  10/28/2022

  Attached please find Numerica's response letter that was emailed and mailed to ***************************** in response to her most recent BBB complaint. 

   

• Initial Complaint

  09/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.NUMERICA CU ********** $0.00Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business response

  09/20/2022

  As our previous responses state, we have tried several times to get in contact with you. Our previous letters were returned with the address provided. We also received a notification that you had not opened the email we sent. Please be advised that we are reporting fairly and accurately, as this is required of us through the Fair Credit Reporting Act. We apologize that this situation has been frustrating for you. 

  Please reach out if you have any questions. Our number is ************. 

  Sincerely,

  Numerica Credit Union

• Initial Complaint

  08/19/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. NUMERICA CU ********** $0.00Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  

  Business response

  08/30/2022

  Thank you for reaching out to Numerica Credit Union. The address you have provided is not allowing our letters in response to your previous complaints to be delivered. We will send them through the email you provided. We hope this provides closure on the matter. 

   

  Sincerely,

  Numerica Credit Union

• Initial Complaint

  07/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This has been ongoing since my daughter and I closed our joint account in May 2022. They locked us out of the account at this time. The ** made multiple payments from this account after it was closed. They have refused to provide us an itemized accounting of the payments despite multiple requests verbally and in writing. I have also contacted the manager and the *** in writing and CC them with no response. When I was finally able to speak with a representative it was when she called at 8AM. My lawyer said this was illegal as too early. She refused to provide the information as the ** does not provide that. She demanded complete access to my current bank accounts as well as my daughter's. They had left voice mails and their calls replicate bank scams. They send me computer threat letters and are stating they are sending it to collections since I refuse to pay. There was never a refusal to pay. We want to verify the payments are legitimate and not fraud. They are also assessing bank fees and now interest and reporting us to collections. The phone hold times are so long they last longer that my daughters lunch hour. The ** response to this was *********** are not my problem". When returning calls to a direct line there is not a return call but they state we are not cooperating..

  

  Business response

  07/28/2022

  Thank you for reaching out to Numerica Credit Union. To keep your consumer privacy in mind, we have sent a letter to the address we have on file. We hope this letter provides clarification on the matter. 

   

  Sincerely, 

  Numerica Credit Union

  Customer response

  08/10/2022

  In response to the letter from Numerica: I have attached a copy of their letter to me for reference. Numerica claims we did not return voicemail Voicemail left on 21 June 2022 and on 28 June 2022 to a direct line. This was ************. When that number stopped working 2 further voicemails were left at ************ on 6 July 2022 and on 11 July 2022. Both numbers were left in a voicemail. There was no reason to assume our voicemails wouldn't be returned. The call made on 21 June 2022 was an appointed time to call. ******* called driving from her first job to her second job.Despite having two jobs and attending college she found time to make the call yet the woman's voicemail stated that she had left an hour previously. This number  was ************. It became apparent Numerica's policy is not to return voicemail and then blame the customer for not returning their voicemail. I resorted to writing letters since we wouldn't be receiving any return calls. Instead, the only response was a threat in the form of a form letter with our names attached via  word processing software.Since there was no signature attached to their form letter threats I sent a letter to whoever opened the mail at the Spokane Valley branch of Numerica assuming it would be forwarded to the appropriate party. On the same day I also CC'd ***********************, branch manager and ***********************, President and CEO.I also enclosed a separate cover letter to each of them. The original letter I CC'd and the separate letters I sent to both *********************** and *********************** are attached to my original complaint. These two letters were sent certified mail.The letter to *********************** was delivered on 20 July 2022. The letter to *********************** was "delivery attempted" but has not been signed for and has not been returned to me. Since ********************* claims we have not tried to contact Numerica here is proof. A second set of letters is attached to this. Again the letters to *********************** and *********************** were sent certified mail and both received on 25 July 2022 and included the letter written to the branch.

   

  There are discrepancies in what was and what should not have been paid. There were payments made to Planet Fitness despite the memberships having been cancelled and these can be reversed. There are also payments made to Stash which should not have been paid but since this is into a retirement account we will reimburse the bank for this amount rather than confuse that issue more but not the fees on either of these. As I have stated to both *********************** and *********************** via letter I will not be paying bank fees. They have both  been notified that I will not give any credit union employees my current bank information and certainly not give complete access to my bank accounts as was demanded "IMMEDIATELY" on 21 June 2022 at ****. I do not trust any Numerica employee due to this experience and as I need to at least marginally trust someone it will need to be *********************** who is listed as the branch manager on Numerica's website. If they have a new branch manager they will need to notify me of who it is. ********************* stating that payment can only be made to the  *************************** is totally irrelevant. As the branch manager *********************** certainly has the authority to accept payment and apply it properly. If he chooses to delegate then he can walk it across the floor to the *************************** and verify that the money order is properly applied and I do demand a receipt as there is an integrity issue with credit union employees. He was told that the only acceptable form of payment would be a money order and only to him.I will continue to correspond with both of them certified mail as necessary despite the fact they obviously throw away my letters. This is the only manner I have to prove contact.

   

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

   10 August 2022

  

  Business response

  08/15/2022

  As stated in the letter that was written to you, moving forward, we ask that you or ******* keep in contact with our **************************** It sounds like you were able to discuss the account with one of our representatives on July 22, 2022 and ask that you continue to work with that representative. Upon review of the call, they gave you their direct line. If you have any further questions or concerns we ask you speak with that representative.
  
  Sincerely,
  Numerica Credit Union

  Customer response

  08/24/2022

   
  Complaint: 17601917
  
  I am rejecting this response because: Again this is a canned response with no one accepting responsibility for the verbal and written abuse we were subjected to.  Yes, we finally received the breakdown of what was paid on our behalf even though unwanted. Nothing is different or changed. I am still furious at the manner in which we have been treated. Even though ******** sent the information I wanted and had been requesting for months she massively escalated the issue with her attitude and response. Nothing has been resolved. Numerica still won't sign statements; only as Numerica Credit Union. This is not a signature. Whoever replied has hidden his/her identity once again.  As a result of this condescending and demeaning attitude I had to resort to a scathing review on both ****** and Yelp. Numerica should thank you, **************** for being instrumental in causing this. I hope you anonymous people are eminently happy. As a result of those reviews ****** reached out to me. We have come to a resolution but it was neither moral or ethical on the part of Numerica. It has been settled but not as the result of anyone responding to this complaint. You anonymous people are still playing your games. As a result of the abusive behavior we were subjected to by your reps ALL bank fees should have been deleted for service recovery but you don't believe in service recovery. You are going to get your pound of flesh no matter what. Had you simply provided the information we requested when we first requested this then the issue would have been resolved months ago and bank fees would have been paid without issue. Then I wouldn't have filed complaints here or with the *** or placed reviews online. Congratulate yourselves.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  06/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a consumer by law and my information was misused and now I have some false not 100% accurate accounts on my credit report. Unauthorized used of my credit report.I demand deletion of the items and information plus I demand monetary compensation!!!

  

  Business response

  06/28/2022

  Thank you for reaching out to Numerica Credit Union. To keep your consumer privacy in mind,  we previously responded to your complaint through a letter. To be sure you received this letter, we will resend it through Certified Mail. 

  We hope this provides clarity on the matter. 

  Sincerely,

  Numerica Credit Union

• Initial Complaint

  05/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I don't know why you are still giving me this "other than you" feedback. I AM ME! and I'm asking you to delete the fraudulent accounts that I saw on my credit reports. I attached documents such as IDs, SSN, and my POA. I'm getting annoyed with this ******** you are giving me. You are avoiding deleting the accounts that I keep on reporting and giving me the same feedback! Delete the accounts that I am reporting and I'm only giving you 15 days, you are testing my patience!Again, These are the accounts that you must block because I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION hence, these are all fraudulent accounts!UMERICA CU, Balance $0.00 Account Number **********

  

  Business response

  05/19/2022

  Thank you for reaching out to us. To keep your consumer privacy in mind, we will be responding to your complaint through a letter. 

  Sincerely,

  Numerica Credit Union

• Initial Complaint

  04/22/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a auto loan on a truck with this company. 2008 ***** Avalanche which my husband **** and I are on together. In the 4 something years I have had to deal with this horrid company, they have repeatedly put hard inquiries on my and my husband's credit. We both have 2 recent inquiries on our credit that we did not authorize and have no reason for Numerica to continuously check and ruin our credit score. I would like an explanation of why they do this. It is infuriating and ruins our credit score every time they do this, and it is for no reason. They know our address, and have our phone numbers. I have had payment arrangements with this company in the past, while being behind schedule and they still ran my credit the very next day after talking to them. It seems to be random and whenever they feel like it. I have had auto loans and obviously credit cards and various other creditors on my credit and none of them have EVER done this. Numerica is the absolute worst company to deal with, this isn't my only complaint, but it is the most important one due to the fact, as I mentioned, it ruins our credit score and I am not asking for additional credit from them. They shouldn't be doing hard inquiries on our credit, it is unethical of a business to make such a practice.

  

  Business response

  04/27/2022

  Thank you for reaching out to Numerica Credit Union. To keep your financial privacy in mind since responses are public, we will be sending a letter to you regarding this situation. 

  Sincerely,

  Numerica Credit Union

  Customer response

  04/27/2022

   
  Complaint: 17099154
  
  I am rejecting this response because: This is typical Numerica practices. They skate around the answer to a very simple solution. Fix my credit inquiries and stop running my credit for no legitimate reason. It really is  that simple. I will wait for their letter in response.
  
  Sincerely,
  
  *******************************

  

  Business response

  05/02/2022

  As stated in our previous response, a letter was sent on April 27, 2022 to keep your financial privacy in mind. We hope this provides clarification on the matter. 

  Numerica Credit Union

  Customer response

  05/02/2022

  No I have not received any letter correspondence from Numerica, just as I expected. They will not answer to their shady business practices. Something should be done, they don't have a right to ruin people's credit.

  Customer response

  05/10/2022

  Yes I received the letter but they did not offer any solution. They said they run people's credit when they don't hear from me which I feel is ridiculous. My credit is not going to give them any information they don't already have.

*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. ↩