ComplaintsforEECU Credit Union

• Initial Complaint

  04/01/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I went to the EECU "Corperate" Location at ******************************************************* on 4/1/2024 at 11:30 to inquire about some transactions and while there I requested to speak to an executive about an issue the individual said they were not available to speak nor were they there nor did ******* that was dealing with was going to send my contact info to the executives Sadly, I have to make this complaint to get ahold of any executives from the financial institution which it shouldn't be this way customer service is usually the number one priority for most banks but I take it it not at EECU with say they pride themselves on customer service I want to see that come to reality when it comes down to asking for directors or higher,

  

  Business response

  04/02/2024

  ******************** - The *** of EECU's **************** Centers called you earlier today and left a voice mail message. As of the writing of this response, she has not heard back from you.  When you get a minute, please give her a call.  I am sure that we will be able to resolve your concerns like we did with you other two BBB complaints.  We look forward to reaching a quick resolution to this matter.  Thank you.  

• Initial Complaint

  02/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently discovered that an extra payment has been deducted from my account without my knowledge for the past 2 and a half years. This came to my attention when I received an overdraft fee from my bank. Despite physically making monthly payments, I never saw evidence of the automatic payment in my online account or payment history. After reaching out to EECU to stop the automatic payment, they informed me that it was not set up on their end. However, my bank confirmed that the deduction was indeed from EECU's banking system. I spoke with EECU to understand why this was happening, but they couldn't find any record of the deduction on their side. I was transferred to multiple representatives and experienced long holds without receiving a satisfactory answer. My bank continues to confirm that the deduction is directly from EECU's bank. A supervisor named ********* promised to get back to me, but it has been three days without any resolution or call back.

  

  Business response

  03/12/2024

  ****************** Thank you for bringing this matter to our attention.  Upon receipt of your complaint, we attempted to contact you, but have not received a return phone call.  We wanted to explain this matter to you in detail.  Because this is public forum, we are unable to go into any detail about your concern.  We confirmed with our third-party card processor that you opted-in to auto pay on April 16, 2023.  Please note, we have cancelled the auto payment as you have requested.  If you would like more information, please feel free to call our Chief Risk Officer and General Counsel at ************. Thank you for your patience while we resolved this matter for you.

• Initial Complaint

  01/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this account from my ********************** report. Please help meinthismatter.------------------------------ED EMP CU FW 52884400****05/25/2017

  

  Business response

  01/25/2024

  **************** - It's our understanding that you submitted this complaint and certain other documents in error, and that you were going to retract them since you are NOT a victim of identity theft.  Because this is a public forum, we are unable to go into any detail about your loan and the outstanding balance.  If you need more information, please do not hesitate to contact EECU's General Counsel.  He will be more than happy to address any concerns you may have. 

• Initial Complaint

  01/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am a victim of identity theft, I have forwarded them the same info I'm providing you with ensuring my position of my Identity being stolen.

  

  Business response

  01/25/2024

  **************** - Thank you for bringing your concern to our attention. We have researched your complaint and, after phone conversations with you, have determined and confirmed that the credit inquiries are accurate and that you are NOT a victim of identity theft.  It appears that you were shopping for a car between December 16 and 22, 2023, and a credit inquiries were made.  If our understanding of the situation is incorrect, please contact the Director of our Fraud/Legal Department.  He will be happy to help you.  Thank you. 

• Initial Complaint

  12/12/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I filed a dispute on my account regarding a fraudulent transfer (case number ********) for $499. I filed a report with the *********** ** police. That case number is ********* with Officer ******* I have not received a provisional credit or received any support from the fraud team at EECU. **** in the fraud department did not listen to me during our conversation and gas lighted me to make me feel like a liar when I did finally get to explain the situation. Why would I deliberately incur a charge for almost $500 if I wasn't being scammed. I'm asking for this fraud case to be reopened to examine further and a provisional credit be issued regarding this fraudulent transaction

  

  Business response

  12/20/2023

  ****************** Thank you for bringing this matter to our attention.  We have investigated your concerns thoroughly, but because this is a public forum, we are unable to go into any detail.   If you would like to visit with us about what our electronic records reflect, please call our Chief Legal Officer at ************.  Thank you. 

• Initial Complaint

  10/16/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Access to online banking has been blocked. Also blocked from closing the checking and savings accounts. Only electronic payment option for loan payments charges a fee

  

  Business response

  10/27/2023

  ******************** Thank you for bringing your concerns to our attention.  We are glad that we were able to help resolve your concerns, including restoring online banking services and advising you about alternate loan payment methods.  If you need further assistance, please do not hesitate to contact us at ************. We look forward to serving your financial needs and providing you with a Better Way of Banking.  

• Initial Complaint

  09/20/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I got denied a personal line of credit of the minimum from EECU they said I had too many delinquents and I have two paid-off vehicles and a credit card without a missed payment on it that I can prove with statements and payments I have made. My debt-to-income ratio is 0% according to experian and I make a substantial amount over the line of credit I applied for which was $800

  

  Business response

  09/25/2023

  ******************** Because this is a public forum, we are unable to go into any detail about your loan request.  Our lending decisions are based on a careful evaluation of various factors which are common criteria used in the banking industry including, but not limited to,credit history, financial situation, loan amount and terms, and regulatory and compliance requirements.  Our commitment to responsible lending means that we must adhere to underwriting standards to protect both our members and the credit union. If you have questions about your loan request, please contact us at ************.

  Customer response

  09/25/2023

  Complaint: 20632676
  
  I am rejecting this response because:

  the did not try to call me to discuss the issue
  
  Regards,
  
  ***********************************

  

  Business response

  09/25/2023

  ******************** - We just tried to call you at ************, but there was no answer.  As we mentioned in our original response, because this is a public forum, we are unable to go into any detail about your loan request.  Our lending decisions are based on a careful evaluation of various factors which are common criteria used in the banking industry including, but not limited to, credit history, financial situation, loan amount and terms, and regulatory and compliance requirements.  Our commitment to responsible lending means that we must adhere to underwriting standards to protect both our members and the credit union. If you have questions about your loan request, please contact us at ************.

• Initial Complaint

  09/13/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have had this issue happen 4 times with EECU every time I do a transaction a Friday I know the merchant pulls the funds and holds on to them since I either paid for food or did a deposit for a rental car on Saturday 09/02/2023 I put a $50 deposit down at Enterprise rent a car in ********** ** which I know enterprise does not release the money at all back to the **** a7er two days nor does the **** have to release the hold because I have asked chase, ***** fargo, Unity one Credit union about this and there no legal reason why the funds get put back into my account and then get taken back out a7er two days I have never had this issue with ********************* fargo, unity one credit union, and **** of America Just eecu that is

  

  Business response

  09/13/2023

  ******************** Thanks for visiting with our Chief Risk Officer and our AVP of Branch Operations today. We hope that our telephone conversations were informative and that you have a better understanding of how transactions post and settle to your account,including pre-authorization holds.  If you have further questions, please do not hesitate to contact us.  We thank you for your membership in EECU and we look forward to providing you with a Better Way of Banking. 

• Initial Complaint

  07/26/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  EECU has repoed my vehicle for non payment, but Ive been trying to pay through their online system for the last 3 months and not one time has it ever been working. They ONLY have allowed me to pay over the phone, which I can only do during their business hours. They also charged me multiple months a fee for no insurance, but the vehicle was insured the entire time Ive owned it, which is against the law. They would not refund me the insurance fees, but told me they credited the amount to the principal but would not tell me the exact amount. Now I have to deal with them over the phone AGAIN. And get my vehicle from impound yard. Its 2023, everyone should be able to pay any bill online, especially to a freaking financial institution.

  

  Business response

  08/04/2023

  ******************** Thank you for bringing this matter to our attention. Because this is public forum, we are unable to go into any detail about this matter.  It is our understanding that this matter has been resolved and that you understand how collateral protection insurance and insurance refunds are triggered and the reasons why online banking is limited when loans are delinquent.  We appreciate your membership in EECU, and we look forward to providing you with a Better Way of Banking. 

• Initial Complaint

  07/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Unfortunately due to Covid, I experience financial hardship that resulted in the charge off of an old credit card account at **********************. However, my charge off was routed to ********************* Services and was settled for less than the full balance on 3/30/2023. Ive called EECU numerous times regarding the reporting of this trade line on my credit report. It should be reflecting a $0 balance and the remark settled for less than the full balance. Every month around the 23rd, this account gets updated on my equifax as an active charge off for $3,225. I have called in 3-4 months in a row asking for assistance in updating that information. I continue to get the run around and we are in the midst of trying to close on a house. Not only does this go against Fair debt collection practices, but its also causing further damages every month when the inaccurate information comes back up on my credit bureau reports. If this is not updated or completely removed from all three of my credit bureau reports, I will be seeking legal assistance for a fair debt collections lawsuit against EECU for causing on-going negative financial impacts.

  

  Business response

  08/04/2023

  ************** Thank you for bringing this matter to our attention. Because this is public forum, we are unable to go into any detail about this matter.  We have reported our findings to you and have taken all of the necessary steps to have this matter resolved.  We sincerely appreciate your membership in EECU, and we look forward to providing you with a Better Way of Banking. 

*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. ↩