ComplaintsforMarine Credit Union

• Initial Complaint

  08/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Stolen funds thru chime and Experian fake deposit and check info won't correct it

  

  Business response

  08/28/2024

  After initial discussions with *****, we discovered that he has never had an account with *** and has made no effort to open one, as he said he would. We consider this matter closed. 

  Thank you. 

• Initial Complaint

  05/02/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I pulled my Consumer reports from (Equifax, *************************************** and I notice Marine Credit Union has furnished an account there as a charge off. A charge off is a cancelled debt.Where a form 1099C must be issued to me, but Marine Credit Union continue to conceal 1099C (cancellation of Debt) from me, stating Marine Credit Union still can collect on a cancelled debt. The collection on a cancelled debt that has been charge off constitutes tax fraud and the matter will be reported to the **** I still demand the statement of account and the *****.

  

  Business response

  05/10/2024

  Member requesting that Marine Credit Union edit his credit report to remove a charged off debt, as he believes that a charged off debt means that debt is cancelled and therefore, he is no longer responsible for that debt.  This is not the case. A charged off debt does not equal a cancelled debt; therefore the member is still held responsible for that debt. Marine Credit union will not edit the member's credit report, as the data reported is accurate. 

  Thank you. 

• Initial Complaint

  03/27/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was notified yesterday about my account being hacked where 360 was being attempted on taken out of my account. I disputed this asap. It was processing yesterday. Today it ended up being taken out of my account even though it was blocked and I got a new card. I notified them of this and still am not getting my money back in which this was money I had saved up to take my family on vacation this weekend. Very unsatisfied and felt as tho it is not getting resolved. I just want my money back that was taken from me when I did everything I was supposed to do and they should have blocked the charges while it was processing.

  

  Business response

  04/08/2024

  When we spoke with the member she didn't think the fraudulent charges would actually post to her account, but they did.  The merchant said the amount would be credited back to her account, but that it would take ***** business days.  The member needed the money prior to that time, so we issued a credit to the member's account to get her by until the reimbursement came. Member was pleased with this outcome and we now consider this matter closed.  

  Thank you. 

• Initial Complaint

  10/22/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was called by Marine Credit in regard to an insurance policy payment back in July. I told it was already added to existing automatic payments when I was called in June. Their phone calls state they're recorded, yet when I was contacted for the second time within the last week of July, I was told they had no record that the call was ever made, but my payment was late. There's no logic in saying the payment is late contradicting their statement that I was never called beforehand. I have the email from the first phone call where they confirmed that the payment was added to my automatic payment. A week later I noticed my credit score drop drastically and I looked into it to see where it was from; a late car payment. I called Marine Credit and talked to customer service and was told that the first late payment wasn't paid but the second one was added to the automatic payments. So I told her what happened and finally made the payment of $250. I told the lady that I was confused as to how the automatic payments were put to start paying on the second payment, making me still "late" on the first. Afterward, I called Transunion and made the report. They got back to me and let me know that Marine Credit DENIED my report. I then contacted their manager of the payments from their ********* location and I was told a case file was made, we exchanged emails through the phone call. She reached out twice saying there was a wait on the process, I said okay and that I would give it time and just reach out to see where the process is heading. I sent a last email weeks ago and it was never answered. My credit score and my partner's credit score dropped almost 100 points due to a company's errors, and undiligent system.

  

  Business response

  11/07/2023

  We received the Member's complaint and researched the situation and steps that lead up to her submitting the complaint. We have deemed the Member's complaint to be valid and as such have submitted a request to have her credit reporting corrected.  We consider this matter closed. 

• Initial Complaint

  05/09/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was reached out to by a *********************** who asked to combine all of our loans. We said no then changed our minds October 2022. When combing our loan so spoke with ***** on the phone and she said several times that once our truck part was payed off we would get the title for it. When we need the title for the truck we were told we needed to pay 25k. We were shocked when speaking with ******************************* and she said thats why ***** no longer works in the department since she told customers the wrong things. I have spoken to different banks and they said if you were told that they need to keep their word. We payed off the 25k when we sold our truck and now they redid the loan with a higher interest rate. ****** said our rate would be the same and now it went up. We have been told that they are unable to release only one title that we should have gotten all of them. That they cant redue them. We are getting very frustrated with this.

  

  Business response

  06/01/2023

  We were able to discuss this matter over the phone with the member during which time she outlined concerns regarding inconsistent communication.  After our discussion we were able to talk to all parties involved and provide corrective coaching. We will also continue to review our processes to improve and avoid similar issues in the future. During our conversation we discussed that the requested refund was processed.
  

  We consider this matter closed.

   

• Initial Complaint

  01/26/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  In 2013 I got a home mortgage through Marine Credit Union which had an office/bank in ******* *** at the time. This was a 10 yr mortgage. i also set up an escrow account so the taxes and house insurance were paid each yr. The bank cut checks for those in Dec. of each yr. Fast forward to Dec. 2020. I get notice from my home insurance that I'm going into default because it hasn't been paid. I call Marine and get a lady on the line. She informs me that the mortgage got so low they took my escrow account and paid it off early. I told her I was never notified that this was being done. I did not authorize any money out of my escrow for that purpose.She claimed it was on my Nov. statement. Well I got my statement and the home loan was taken and the escrow had approx **** in it. as normal. I asked about a release letter saying the home title did not have a lien any longer. She said they don't do that any longer. So now I know my property tax wasn't paid for 2022 either. It's now to late for me to pay and claim on my taxes for 2022. I was a customer in good standing for 10 yrs. I have removed all my funds from Marine Credit Union and terminated my accounts.I have no paper trail of what they actually did with my mortgage. Was there money left? How much was used for payoff? Lots of unanswered questions.

  

  Business response

  02/08/2023

  We spoke with the member regarding her insurance and have refunded her the insurance amount, as requested. Member knows to stay in touch and request an additional refund if her taxes do not refund  the rest. We consider this matter closed. 

• Initial Complaint

  01/26/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On November 16th I entered Marine Credit union in **********, *********. There were two women I was dealing with while making a payment for my repossessed car. I was told the wrong price to pay when I got there that was different than what I was told over the phone. The first woman got the second one to help her figure out how to make the payment of what I was told I had to pay originally before going in Marine Credit Union. I made a payment of ******** and provided full coverage insurance. After I made this payment and provided the info I was told I wouldn't have to make another payment until January. its now January and I'm getting another surprise that I actually missed a December Payment when I was told I didn't have to pay until January. No one walks in a bank with 4 grand to not listen to the information especially when I was told also I couldn't get my car back that exact day the payment was made. ***** id the person who passed this information to the second woman about where I pick my car up from, who to call, and when the next payment was due. I don't think that's okay to tell someone when the December payment could've been made. I'm working on building my credit while getting told false information from a credit union. If a payment was due next in December, that's what I shouldve been *** instead of January.

  

  Business response

  02/10/2023

  We spoke with the member and he advised us that the issue was resolved with one of our staff, the same day he submitted this complaint.  We consider this matter closed. 

• Initial Complaint

  01/22/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

  

  Business response

  02/02/2023

  Since receiving this complaint, our team has attempted to contact ******************** eight times, with email and phone attempts and have received no response.  Due to the lack of response, we can only assume the Member considers this matter closed and therefore we do as well.  If ******************** wishes to discuss this matter and see how we can come to an agreement, he can certainly respond to one of our attempts so we can work toward a resolution. 

  Thank you. 

• Initial Complaint

  11/29/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have been a member of this credit union since 2008 and they were very rude I do know that overall in the first open up the account I had a account that I old and they open the account so that I can be able to have an account it was a forgivable bank account and the guy went into my account illegally to make payments they will take the money out I could pay it on my own overall here it is I did not receive the bank loan for over $3300 and it was hickedup after the fact that the person she took an extra day to give me the loan then all of a sudden my account was hacked again due no months before that which was probably even a year someone had stolen or and or hacked out of my account Which was a car note amount of about $600 and here it is now I do know that when my account became hacked after I receive this loan because it was a small loan that obviously home ever been hacking into my phone know about and they hacked into my bank account something on my way what is bank left me without a debit card I was refuse to receive any of my funds out of my account I was forced to close my account I had to get the funds out of my account whoever has been hacking into my account set it up some form why I do not I was contacted by an individual and told to shut the account down but when I went to the bank to shut the account down they told me that they wouldnt shut it down because I had things I was going through my account so here it is if somebody thats in a higher position recommended that it be shut down and then I went to this credit union they gave me a problem again overall I would like for this debt to be cleared it is on my credit now and Ive been harassed enough!

  

  Business response

  01/03/2023

  We have attempted to reach ******************** via phone and email and have not yet received a response. We urge the member to contact us to discuss further. 

  Customer response

  01/03/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.] I actually sent an email to an individual and I have not received any reply I would like for the individual to reach me at the email that is listed on the complaint because they sent the email to an email that I used for my banking through them but thats not on my complaint the individual needs to respond to my email at ******************** At this time I would prefer for the individual to contact me by email so that we can go forward with the compliant status! This individual ****************************************************** was sent an email on 21 December and the 22nd after the fact that I had noticed that he had responded to the complaint at my old email that I use for this account would like to hear from this individual please contact ASAP!
  
  Regards,
  
  *************************

  

  Business response

  01/27/2023

  After completing a full investigation, we've found the Member's claim to be valid and per her request, have removed this from her credit history. 

  Customer response

  01/27/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  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.  I am very pleased to hear this and also I would like to receive documentation of this removal from my credit history by either physical mailing or to my email address ******************** and or home address ********************************************************** 5701
  
  Regards,
  
  *************************
  

• Initial Complaint

  10/12/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  By obtaining my CREDIT BUREAU consumer report on (07/05/2021) without my permission, or without a permissible purpose by law, Marine Credit Union is in violation of the Fair Credit Reporting Act (FCRA) codified at 15 U.S.C 1681b(a)3(f)(i). ******************************, 260 F. Supp 2d 711 (S.D. Ind. ****) I have not initiated any transactions with Marine Credit Union.I do not have an account as defined under 15 U.S.C. 1693a (2) with Marine Credit Union.I have not permitted Marine Credit Union to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

  

  Business response

  11/15/2022

  We made contact with the member to discuss the complaint that Marine Credit Union had pulled their credit without authorization. After some investigation, this was found to be inaccurate, as the member had applied for credit through a dealership who had an indirect dealership relationship with Marine Credit Union, therefore authorizing the credit inquiry. As such, credit was pulled and we are not able to honor the member's request to remove the credit inquiry. 
  

  We consider this matter closed. 

*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. ↩