Workers' Credit Union

The date of purchase on the vehicle of which there is a loan out was [redacted] for a [redacted] 2010Brief overview regarding complaints:I have had automatic withdrawal payments arranged with WCU since very shortly after I signed the loan with them in 2009. For six years, the payment came out like clock work, no problems. I contacted them originally because I realized my loan should be paid off in the next five months and I had intentions of trying to increase my payments over the next few months in an effort to pay it of earlier When doing so, I was told that my loan was in default, there was an order to have it repossessed and the credit bureaus had been notified. This came as a shock to me, as I had no idea why. They informed me that I had not "made a payment" since December 2014. I tried getting answers but the woman speaking with me was not overly polite or helpful, and transferred me to a supervisor; this supervisor did not answer so I left a voice mail. I contacted my bank to find out that WCU was correct, they(WCU) had not made their usual withdrawal payment in several months. I asked if there were issues with funds, they said no, my account had seen no negative activity since [redacted] of 2014; my bank also reminded me of my "over draft protection plan" and told me that even if the funds weren't there, the bank would have made the payment and charged me for the funds I was missing, as well as a typical overdraft fee. Essentially, WCU, had they attempted, would have been paid regardless of my financial situation. They also informed me that my account still had in it the funds to pay almost the exact amount that WCU told me was past due, as I had assumed this money had been withdrawn and I don't use that account on a daily basis. With this new information from my bank [redacted] Bank, [redacted] I again attempted to call and speak to a supervisor but I still received the women, [redacted], I had spoken with earlier. She was rude the second she answered the phone and even went as far as to accuse me of not being myself. Even after the barrage of identification questions that I answered promptly and correctly, she informed me that she still did not believe me. When she still was unable to assist me she finally offered to transfer me to her supervisor, not without saying "good luck with that". I finally spoke to a woman named [redacted] or [redacted] If this is the supervisor that trained [redacted], it is no wonder [redacted] felt it OK to talk to clients in the manner in which she did, because [redacted]'s bedside manner left a lot to be desired. She also was very rude and accusatory. I told her that I had the funds to pay in full but required some clarification regarding what had occurred back in [redacted] and ongoing. I also stated that before I would just pay in full, I needed to be reassured that my car would be removed from the list of repossessions, and that the credit bureau would be contacted and this would be removed immediately. I was told "Pfffft that's not going to happen". I said that I don't feel as though those were irrational requests, and I would not be paying in full until at LEAST those three things were addressed. She told me I was "stupid to not just pay and be done with it all if I have the amount due". I told her that I didn't appreciate the way they were handling this, that I just needed to speak to someone that could help me with these three requests and I would be more then happy to pay this in full. She again told me this would not happen and began yelling at me (not for the first time). When I told her that if this continued, I would certainly not be paying this tonight, and that a call to you (Revdex.com) may be in order. She then said "then this conversation is over" and hung up on me. I still, have had no attempt made to explain to me what exactly occurred in January that made them not get my payments. I have since been in touch with my bank regarding this. They have gathered all documentation of every single transaction between WCU and my account through them, [redacted] since 2009 and are sending it to me now. They also triple checked to make sure an attempt hadn't been made in [redacted] or [redacted] that got declined or missed. There was no attempt made on this. [redacted] has also offered to speak to a representative of WCU or the Revdex.com should anyone wish or need to speak with them directly, and I have given them consent to do so. A copy of their email concerning this has been attached to this email, titled [redacted] Email #1". I am also more then willing to share the documentation, once I receive it, however it needed to be mailed via USPS as the pages were far to numerous to be faxed or emailed easily. Therefor I will not have them in hand until sometime next week. Also attached is a very detailed account of my experiences with WCU and our history since 2009, and very detailed descriptions of the conversations I have had this week with their representatives, as I wrote them down as the conversation occurred. It is over four pages; quite extensive.Desired SettlementI do not deny that I owe these payments. I signed a loan for full payment on this vehicle. I have made it six years without fail. I do not intend to mess them up this close to my vehicle being paid off. In fact, until two days ago, I had thought these payments HAD been made. I am more then willing to pay the amount past due in full. However, as I stated before, I still have my original three concerns (as well as possible others).1. I would like to know exactly what happened in [redacted] and [redacted] of this year, that made it any different then the past six years. Why then did they not take the payment as they had been doing for so long? Was it a glitch? Did the agreement I signed only cover up to that date? Did someone that had that job quit or drop the ball? I just need to know what happened and how I can be assured that it will not occur again.2. My car needs to be taken off of the "repossession" order list, and I want that in writing.3. My credit needs to be remedied of this immediately, and I want this in formal, written confirmation as well. In addition to my original three requests, I also feel as though this has been a horrible situation for me. I have had to risk my job to make repeated phone calls, emails and faxes. I have had to listen to strangers yell at me, demand payments, threaten me with repossession and call me a liar. I know look out my window constantly checking to see if my car is out there; I woke up this morning paranoid that I would not be able to get to work. The same thing when I got out of work. I am a single mother, with no support financially or physically in raising my daughter. I work 2 full time jobs and go to college on top of raising my seven year old. I need my vehicle to do all of these. I don't need this stress or hassle, especially when all I asked for was a simple answer to my question and two guarantees that they would right a wrong. At this point, I also feel that an apology is owed to me. It has also been brought to my attention that there may have been late fees accrued because of this. At the very least, I would like those late fees waived/erased. I also don't think that it would be uncalled for to ask that the amount of interest over these payments be compensated as well.Business Response See PDF.Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)I would like for the audio recordings to be heard by a third party, as some of the things they deny, I dont believe to be true(ie; they absolutely questioned if it was be calling back to speak with [redacted], this is not something I would forget or make up). While I admit to my cursing, they admit to no wrong doing. Also, I was the one repeatedly contacting them to resolve this issue, and they seemed to take more then the time needed to look into this and to respond to me on multiple occasions. They have admitted that while one missed payment and consequent late fees from [redacted] of 2013 was my fault (and I have not disagreed) they continued to withdraw payments until [redacted] 2015; this is over a year. They then admit that the rest of the issues ("missed" payments from [redacted] were in fact the result of their employee failing to make a note on my account and then leaving the agency. Therefore these missed payments were not from any fault of mine. This is all I had originally been asking to have explained, however they dodged this question for almost a month while continuing to focus on my one missed payment in almost seven years in [redacted] 2013.Bottom line, throughout the entire process they were rude and accusatory; right down to the last email I forwarded to the Revdex.com after I had attempted to make a payment of [redacted] where [redacted] used capitalization to essentially yell at me electronically, and threaten me with words like "YOU WILL HAVE THIS PAYMENT MADE IN FULL BY THE END OF [redacted]". I believe that, while yes, I was a bit defensive in the beginning (as noted,these payments that they failed to withdraw came as a surprise to me, as I had believed I was current with payments....only to be told I was suddenly five months delinquent and on their repossession list), I did not react this way until the agency refused to answer my questions as to why or how this happened, or to listen to my questions in general. I believe that it can not be a very common occuranc; where a vehicle is due to be repossessed ,yet the customer calls them to resolve the issue, pays [redacted] of the [redacted] past due, and offers to make higher payments every month until this is paid off. I think that their reaction to me, their lack of any bedside manners and attempts to threaten me for no valid reason show that their priorities are skewed and they have an utter disregard for customers. Not only were they not willing to listen or work with me, (and still are not really, well Ms. [redacted] is not. I called and spoke with another representative to receive a payout amount as I am hoping to be done with the company and Ms. [redacted] as soon as possible, and he was very polite and helpful), but they were unnecessarily rude. I

I have had insurance ever since I got my car I keep getting charged for insurance and the manager is extremely rude.I bought a car and got a car loan from WCU. I keep getting charged for insurance on the car. each time I tell and send them proof of insurance they pretend they never got it. they are charging me more than they are suppose too and the manager at the fitchburg branch is rude and want me to keep paying the high amount. He has threaten to take the car away, and have me lose all my money I have worked hard and put towards this car. I have contacted my insurance every time they pretended that I never told them I had insurance. Now I have my insurance deal with them directly, when they are not asking for insurance papers they are asking for other make up papers just so they can mount up problems for me.Desired SettlementI want them to stop making me feel inferior, I want a refund for all the months I have been paying insurance with them. Business Response Contact Name and Title: [redacted]Contact Phone: XXX-XXX-XXXXContact Email: [redacted]Ms. [redacted] is the co-borrower on this loan with [redacted] The loan secures a 2009 [redacted] has verified in writing that [redacted] cancelled the insurance on this vehicle on [redacted] Although the policy was reissued on [redacted] - it did not include the 2009 [redacted] as a covered vehicle. Coverage for the 2009 [redacted] was not added until [redacted] All contracts signed with Workers Credit Union specifically require all borrowers to maintain certain levels of insurance coverage during the entire course of the loan. Failure to do so forces Workers Credit Union to force place insurance. In this instance - we had to force place insurance on the 2009 [redacted] Murano from [redacted] through [redacted] - we have documented verification from [redacted] insurance company. The monies expended by the credit union for the forced place insurance must be repaid.

Without any contact, reported my loan account to a collection agency and was unable to settle my complaint. This has been a nightmare. After pre-paying my zero interest loan at least 6 months in advance, I was put into collections with ABSOLUTELY NO WRITTEN NOTICE. I even got a letter stating my account was up to date, AFTER IT WAS REPORTED! When attempting to address the manner, every person I spoke with told me something different each time I contacted them. They admitted to me that they were short handed in collections. During the dispute, I have continued to pay a small amount to keep the account open, but they claim I am not paying the full amount--even while in dispute. Desired SettlementI would like them to everything from my credit report. Once done, I will happily pay the loan balance. Business Response Ms. [redacted] signed a contract promising to pay $125.00 month on a zero percent interest loan. This was done up until June, 2014 at which time the payments then became sporadic in nature. Although she was at times paid in advance - there were other times when she was late. The account is currently past due for April, May, June and July payments. We have just sent her another payment history per her request to us dated 07/15/2015. We had also changed her credit bureau status to "Special Handling" back in March, 2015. This member is demanding that we remove the delinquent payments from her account which would be illegal - we must report the account as delinquent when it is delinquent as regulated by the FACTA Act. We did change the credit reporting from "Charge off" to Special Handling back in March - a copy of this will be sent via email to Ms. [redacted] attention for the file. When the member bring the account up to date or pays it off - it will then be reported as Paid - Was 90 Days or More Past Due". It will all depend as to when she pays it off.Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)The bank has been unable to provide any evidence that the loan payments are behind, no account history and no evidence that the loan is delinquent. According to my records the current amount due on my loan, as of today, is $5125. Since the loan originated on 1/10/2012, I have paid a total of $5850, which means that despite the late payments and the fact that I have not paid in full since we have been in dispute (and because we are in dispute), my loan is not, nor ever has been, delinquent. I HAVE PAID MORE THAN IS CURRENTLY DUE, SO HOW CAN PAYMENTS BE CONSIDERED DELINQUENT? I requested a full account history to indicate my full amount of payments and the discrepancy between that and the amount due, indicating the amount late and the dates and length of lateness, but the bank has been unable to provide an adequate loan history justifying their claims and the reporting to the credit agency. I have never received an account statement of a late payment notice, which is required. I am also concerned about the continued lack of professionalism in the communication about the status of my loan. I have had several different individuals and written notice stating that the loan was not in collections and then I have been informed otherwise. There have been many claims of phone calls, but a review of my phone records indicates that I have not receive any contact fro WCU about this issue.The bottom line is that I am ahead of what is owed on the loan. I cannot understand how my payments could be considered late when they were paid IN ADVANCE of the due date. Once this is settled, I will pay the balance of the loan, but I need this information removed from my credit report and this matter settled to my satisfaction. Final Consumer Response Here's the issue. This is THE FIRST TIME I have seem this information about my account and it still does not provide evidence that BEFORE THE BEGINNING OF THE DISPUTE, I was late in paying what was due on the loan. They have still not addressed the following issues: 1. the amount of prepayment outlined in previous comments puts me AHEAD of what I owe2. the fact that when the account was sent to collection in December 2014, I was not behind in amount owed. 3. the lack of communication/incorrect information provided to me about the account status. I would like to see copies of correspondence sent to me about the late status of the account (as I did not receive any notice). 4. I was, however, informed in writing in December 2014 that the account was in good status AND in phone conversations by bank representatives Overall, the way this situation has been handled by the bank was highly unprofessional and the information provided to me was lacking in sufficiency and clarity. As the documents they provided CLEARLY show, I regularly paid my loan and was never aware of any lateness UNTIL I checked my credit report. Final Business Response As stated in our previous response to this consumer. We have provided Ms. [redacted] with a complete payment history showing each payment that was received on her loan from its inception. We have also provided the consumer with the breakdown of past due payments currently due on the loan. We are not required by law to send late notices - she did receive two courtesy messages from our reminder service on 09/30/2014 and 10/01/2014. Workers' Credit Union cannot credit members' accounts for payments that have not been received. This borrower remains past due for February through July payments. We are unable to assist this consumer if she refuses to review the material that has already been sent to her and compare with her records and prove payments were made that she has not been credited for by sending us verification of the clearing of checks.

Workers Credit Union bought insurance for our auto loan #XXXXXXXX by sending documentation to an invalid address and without properly notifying us.Account #XXXXXXXXWe have been with WCU since 2011. Since then, we have sent dozens of requests for several administrative things that were never corrected. Once, was to have my wife added to the loan to be able to speak to the account and make payments. This was never done, and made paying WCU an extreme hasssle every month. Secondly, we updated our address, phone number, email address dozens of times, and they never updated their files. This was simply a nuisance until we went to great lengths personally to pay off our loan.Between March 2014 and April 2014, we worked to refinance our home, and cleared out our savings account to pay off our auto loan. Our bank that refinanced our home and sent the final check, as well as myself reached out to WCU 4-5 times between January and April to make payments, change our address, get payoff statements, etc. Not once during any of those calls were we notified that our insurance was not valid and did not contain Comprehensive and Collision as required by our contract. Our refinancing bank contacted WCU for a final payoff statement in mid April, so that they could send the final check to the account. WCU provided them with the information, and we mailed the check. It wasn't until three weeks later that we checked the account that we saw an [redacted] charge on there for "insurance" purchased by WCU because ours was lacking the Comprehensive and Collission. When I called the company in tears, emailed, and requested any assistance at all to help us in this matter, as we had no funds to pay this off, I received nothing from the company. They simply stated that they had sent notices out to us (at the old invalid address), and that we would have to have our insurance company backdate our policy to include those two things, which the insurance company will not do.WCU should have corrected our address as they said they did several times, and reached out to us via phone before charging us an additional [redacted] or given us a chance to correct it. This is the information that is provided on their vendor portal, which is the correct information and they could have used any one of these avenues of communication to reach out to us.Desired SettlementPlease refund us the [redacted] you state we owe as you did not properly contact us to give us a chance to resolve.Business Response Contact Name and Title: [redacted]Contact Phone: XXX-XXX-XXXXContact Email: [redacted]@wcu.comWe have been in contact with Mr. [redacted] prior to receiving this, and a decision was mutually agreed upon.

The date of purchase on the vehicle of which there is a loan out was [redacted] for a [redacted] 2010Brief overview regarding complaints:I have had automatic withdrawal payments arranged with WCU since very shortly after I signed the loan with them in 2009. For six years, the payment came out like clock work, no problems. I contacted them originally because I realized my loan should be paid off in the next five months and I had intentions of trying to increase my payments over the next few months in an effort to pay it of earlier When doing so, I was told that my loan was in default, there was an order to have it repossessed and the credit bureaus had been notified. This came as a shock to me, as I had no idea why. They informed me that I had not "made a payment" since December 2014. I tried getting answers but the woman speaking with me was not overly polite or helpful, and transferred me to a supervisor; this supervisor did not answer so I left a voice mail. I contacted my bank to find out that WCU was correct, they(WCU) had not made their usual withdrawal payment in several months. I asked if there were issues with funds, they said no, my account had seen no negative activity since [redacted] of 2014; my bank also reminded me of my "over draft protection plan" and told me that even if the funds weren't there, the bank would have made the payment and charged me for the funds I was missing, as well as a typical overdraft fee. Essentially, WCU, had they attempted, would have been paid regardless of my financial situation. They also informed me that my account still had in it the funds to pay almost the exact amount that WCU told me was past due, as I had assumed this money had been withdrawn and I don't use that account on a daily basis. With this new information from my bank [redacted] Bank, [redacted] I again attempted to call and speak to a supervisor but I still received the women, [redacted], I had spoken with earlier. She was rude the second she answered the phone and even went as far as to accuse me of not being myself. Even after the barrage of identification questions that I answered promptly and correctly, she informed me that she still did not believe me. When she still was unable to assist me she finally offered to transfer me to her supervisor, not without saying "good luck with that". I finally spoke to a woman named [redacted] or [redacted] If this is the supervisor that trained [redacted], it is no wonder [redacted] felt it OK to talk to clients in the manner in which she did, because [redacted]'s bedside manner left a lot to be desired. She also was very rude and accusatory. I told her that I had the funds to pay in full but required some clarification regarding what had occurred back in [redacted] and ongoing. I also stated that before I would just pay in full, I needed to be reassured that my car would be removed from the list of repossessions, and that the credit bureau would be contacted and this would be removed immediately. I was told "Pfffft that's not going to happen". I said that I don't feel as though those were irrational requests, and I would not be paying in full until at LEAST those three things were addressed. She told me I was "stupid to not just pay and be done with it all if I have the amount due". I told her that I didn't appreciate the way they were handling this, that I just needed to speak to someone that could help me with these three requests and I would be more then happy to pay this in full. She again told me this would not happen and began yelling at me (not for the first time). When I told her that if this continued, I would certainly not be paying this tonight, and that a call to you (Revdex.com) may be in order. She then said "then this conversation is over" and hung up on me. I still, have had no attempt made to explain to me what exactly occurred in January that made them not get my payments. I have since been in touch with my bank regarding this. They have gathered all documentation of every single transaction between WCU and my account through them, [redacted] since 2009 and are sending it to me now. They also triple checked to make sure an attempt hadn't been made in [redacted] or [redacted] that got declined or missed. There was no attempt made on this. [redacted] has also offered to speak to a representative of WCU or the Revdex.com should anyone wish or need to speak with them directly, and I have given them consent to do so. A copy of their email concerning this has been attached to this email, titled [redacted] Email #1". I am also more then willing to share the documentation, once I receive it, however it needed to be mailed via USPS as the pages were far to numerous to be faxed or emailed easily. Therefor I will not have them in hand until sometime next week. Also attached is a very detailed account of my experiences with WCU and our history since 2009, and very detailed descriptions of the conversations I have had this week with their representatives, as I wrote them down as the conversation occurred. It is over four pages; quite extensive.Desired SettlementI do not deny that I owe these payments. I signed a loan for full payment on this vehicle. I have made it six years without fail. I do not intend to mess them up this close to my vehicle being paid off. In fact, until two days ago, I had thought these payments HAD been made. I am more then willing to pay the amount past due in full. However, as I stated before, I still have my original three concerns (as well as possible others).1. I would like to know exactly what happened in [redacted] and [redacted] of this year, that made it any different then the past six years. Why then did they not take the payment as they had been doing for so long? Was it a glitch? Did the agreement I signed only cover up to that date? Did someone that had that job quit or drop the ball? I just need to know what happened and how I can be assured that it will not occur again.2. My car needs to be taken off of the "repossession" order list, and I want that in writing.3. My credit needs to be remedied of this immediately, and I want this in formal, written confirmation as well. In addition to my original three requests, I also feel as though this has been a horrible situation for me. I have had to risk my job to make repeated phone calls, emails and faxes. I have had to listen to strangers yell at me, demand payments, threaten me with repossession and call me a liar. I know look out my window constantly checking to see if my car is out there; I woke up this morning paranoid that I would not be able to get to work. The same thing when I got out of work. I am a single mother, with no support financially or physically in raising my daughter. I work 2 full time jobs and go to college on top of raising my seven year old. I need my vehicle to do all of these. I don't need this stress or hassle, especially when all I asked for was a simple answer to my question and two guarantees that they would right a wrong. At this point, I also feel that an apology is owed to me. It has also been brought to my attention that there may have been late fees accrued because of this. At the very least, I would like those late fees waived/erased. I also don't think that it would be uncalled for to ask that the amount of interest over these payments be compensated as well.Business Response See PDF.Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)I would like for the audio recordings to be heard by a third party, as some of the things they deny, I dont believe to be true(ie; they absolutely questioned if it was be calling back to speak with [redacted], this is not something I would forget or make up). While I admit to my cursing, they admit to no wrong doing. Also, I was the one repeatedly contacting them to resolve this issue, and they seemed to take more then the time needed to look into this and to respond to me on multiple occasions. They have admitted that while one missed payment and consequent late fees from [redacted] of 2013 was my fault (and I have not disagreed) they continued to withdraw payments until [redacted] 2015; this is over a year. They then admit that the rest of the issues ("missed" payments from [redacted] were in fact the result of their employee failing to make a note on my account and then leaving the agency. Therefore these missed payments were not from any fault of mine. This is all I had originally been asking to have explained, however they dodged this question for almost a month while continuing to focus on my one missed payment in almost seven years in [redacted] 2013.Bottom line, throughout the entire process they were rude and accusatory; right down to the last email I forwarded to the Revdex.com after I had attempted to make a payment of [redacted] where [redacted] used capitalization to essentially yell at me electronically, and threaten me with words like "YOU WILL HAVE THIS PAYMENT MADE IN FULL BY THE END OF [redacted]". I believe that, while yes, I was a bit defensive in the beginning (as noted,these payments that they failed to withdraw came as a surprise to me, as I had believed I was current with payments....only to be told I was suddenly five months delinquent and on their repossession list), I did not react this way until the agency refused to answer my questions as to why or how this happened, or to listen to my questions in general. I believe that it can not be a very common occuranc; where a vehicle is due to be repossessed ,yet the customer calls them to resolve the issue, pays [redacted] of the [redacted] past due, and offers to make higher payments every month until this is paid off. I think that their reaction to me, their lack of any bedside manners and attempts to threaten me for no valid reason show that their priorities are skewed and they have an utter disregard for customers. Not only were they not willing to listen or work with me, (and still are not really, well Ms. [redacted] is not. I called and spoke with another representative to receive a payout amount as I am hoping to be done with the company and Ms. [redacted] as soon as possible, and he was very polite and helpful), but they were unnecessarily rude. I

Improperhttp://192.168.30.181/ebindr/images/icons16x/scrub.jpg and deceptive practice in ch[redacted]ing customers for unnecessary high insurance costs[redacted] auto dealer used this ba[redacted] a car loan. Firstly, I signed the paperwork on [redacted]. The bank started charging me interest from that date although they didn't release the funds to the dealership for another 2 weeks. Secondly and the most pressing, in December I found out that my car existing insurance had lapsed without my being aware of it. As soon as I found out, I reinstated my insurance. I called the bank and give them my new insurance and all the info they asked. Now 5 months later, out of the blue, I got a call from someone I believe named [redacted] who told me that I was 30 days behind in payments. When I told him that this couldn't be because I have automatic payment set up. That is when he informed me that the bank has recently added some type insurance to my bill which increased my monthly payment. So the payment they received was not sufficient. When I asked to clarify as I had no idea what he was talking about, he said that he was for the short time my insurance had lapsed. This bank, months after I had already reinstated insurance on my car, pu[redacted]sed another extremely expensive insurance of over [redacted] for one month to cover a car that is already fully insured. This is despicable act of extortion. It is deceiving behavior as I had no idea of this practice. The bank purchased an insurance for something that doesn't exist because at the time of the insurance purchase, my car was fully insured.Desired SettlementI want this bank to remove this ridiculous insurance fee from my loan amount. At 16% interest,I want to get rid of that loan as well and pay it off. That fee is nothing but a consumer rip off. How can you purchase a month worth insurance for over [redacted] after my car was already insured and fully covered?Business Response [redacted]Thank you for your letter dated [redacted] 2015. When Workers' Credit Union makes loans for our members, they are given a loan documents at closing, that the member signs, stating that they will keep their vehicle insured during the life of the loan (protecting the credit union's asset). It further states that if at any time during the life of the loan that insurance becomes lapsed, the credit union will force place insurance on said vehicle at the members expense (the member agrees to this with their signature).On [redacted] 2014, Arbella informed WCU that the insurance on the vehicle owned by Member was cancelled. Workers' sent a letter to member on [redacted] requesting insurance to be reinstated on vehicle. On [redacted] a telephone call was placed to request update on insurance status. On [redacted] insurance was reinstated by GEICO on vehicle. As per our agreement with member, we placed insurance on vehicle during the time of lapse [redacted] by our affiliate, State National Insurance Company. On [redacted] 2015, a lapse notice was sent to member informing them of the cost of said insurance during the lapse period and if they could produce evidence that said vehicle had insurance during that period, we would remove the charge. No evidence was produced, thus the charge for insurance during that lapsed period.Workers' Credit Union takes steps to make sure that the member is notified several times prior to us forcing insurance on vehicles so that the member has time to gather their own insurance to protect the vehicle.Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)This is absolutely untrue. First of all, my insurance was with Amica and NOT Arbella as erroneously stated. On December 27th I reinstated my insurance with Geico and a copy of my new policy was sent to WCU. I also called WCU at that time to let them know that I switched carrier and gave them all my info. The male rep said that he would go to the DMV site as my insurance info would also be there. A couple of days later, I got a call from WCU, stating that they couldn't see all the coverage for my new policy and to have Geico fax a copy. I called Geico again and requested that a copy of my policy be refax to WC. WC never sent a letter on 12/31 or on January 28. This is untrue. the only call I received was because they had not received my payment by the 2nd. I called WC and informed them that had automatic payment being debited from my account and the payment will be received before the grace period ends. At no time, did the rep mentioned anything about insurance. Not until that call at the beginning of May was I made aware of that insurance charge. Again, that person named Jim called to tell me that my payment was 30 days late, I told him that it couldn't be because of my automatic payment. That is when he informed me of the surcharge that was recently assessed to my account the previous month. WC DOES NOT take and did not take any steps to let me know prior to forcing this insurance on me. on May 14th, I had Geico fax them my insurance for the 3rd time. This insurance cost must be removed from my bill as well as any late fees associated with that surcharge bill as it is only a scam by WC to overcharge me because they had been in the possession of my policy clearly showing that the car was covered. If any late payment was reported to the credit bureau because of this, WCU needs to have that corrected and updated because I have never been late in any of my payments. They are deceptive and unfair in their practice. They charge me on interest on funds that were in their possessions for 2 weeks. I may have signed the closing document on 09/02...however the funds were not disbursed until 2 weeks later yet, they charged me interest starting from 02 when they were in possessions of their own funds.You explain that to me. You explain why have I not been credited those erroneous interest charge. Like I said, WC practice is very deceptive, they don't verbally disclose any material information with me. When I closed loan with larger banks any potential fees, penalties are clearly and verbally disclosed and highlighted to me. Something that was not done in this instance. Final Consumer Response See PDF.Final Business Response All of our members sign a form at the closing of their vehicle loans stating that they will maintain full insurance coverage on the vehicle as long as the loan is open and that they understand and agree to the Credit Union force placing insurance when a cancellation and/or lapse occurs. This member had no insurance coverage on the vehicle from 12/15/2014 through 01/18/2015 which forced the placement of forced place insurance. The cost of this insurance was in the amount of $373.00 and the charge was broken up over a period of 12 months for repayment. The repayment of this insurance will be collected on monthly payments starting April, 2015 and going through March, 2015 at $31.08 monthly." Ms. [redacted]'s documentation states that she had liability insurance - it does not verify that she also had fire, theft and collision coverage (which is required). The documentation that we received from Geico Insurance directly which is attached will verify that Ms. [redacted] did not have the REQUIRED insurance in place.

Workers Credit Union bought insurance for our auto loan #XXXXXXXX by sending documentation to an invalid address and without properly notifying us.Account #XXXXXXXXWe have been with WCU since 2011. Since then, we have sent dozens of requests for several administrative things that were never corrected. Once, was to have my wife added to the loan to be able to speak to the account and make payments. This was never done, and made paying WCU an extreme hasssle every month. Secondly, we updated our address, phone number, email address dozens of times, and they never updated their files. This was simply a nuisance until we went to great lengths personally to pay off our loan.Between March 2014 and April 2014, we worked to refinance our home, and cleared out our savings account to pay off our auto loan. Our bank that refinanced our home and sent the final check, as well as myself reached out to WCU 4-5 times between January and April to make payments, change our address, get payoff statements, etc. Not once during any of those calls were we notified that our insurance was not valid and did not contain Comprehensive and Collision as required by our contract. Our refinancing bank contacted WCU for a final payoff statement in mid April, so that they could send the final check to the account. WCU provided them with the information, and we mailed the check. It wasn't until three weeks later that we checked the account that we saw an [redacted] charge on there for "insurance" purchased by WCU because ours was lacking the Comprehensive and Collission. When I called the company in tears, emailed, and requested any assistance at all to help us in this matter, as we had no funds to pay this off, I received nothing from the company. They simply stated that they had sent notices out to us (at the old invalid address), and that we would have to have our insurance company backdate our policy to include those two things, which the insurance company will not do.WCU should have corrected our address as they said they did several times, and reached out to us via phone before charging us an additional [redacted] or given us a chance to correct it. This is the information that is provided on their vendor portal, which is the correct information and they could have used any one of these avenues of communication to reach out to us.Desired SettlementPlease refund us the [redacted] you state we owe as you did not properly contact us to give us a chance to resolve.Business Response Contact Name and Title: [redacted]Contact Phone: XXX-XXX-XXXXContact Email: [redacted]@wcu.comWe have been in contact with Mr. [redacted] prior to receiving this, and a decision was mutually agreed upon.

Improperhttp://192.168.30.181/ebindr/images/icons16x/scrub.jpg and deceptive practice in ch[redacted]ing customers for unnecessary high insurance costs[redacted] auto dealer used this ba[redacted] a car loan. Firstly, I signed the paperwork on [redacted]. The bank started charging me interest from that date although they didn't release the funds to the dealership for another 2 weeks. Secondly and the most pressing, in December I found out that my car existing insurance had lapsed without my being aware of it. As soon as I found out, I reinstated my insurance. I called the bank and give them my new insurance and all the info they asked. Now 5 months later, out of the blue, I got a call from someone I believe named [redacted] who told me that I was 30 days behind in payments. When I told him that this couldn't be because I have automatic payment set up. That is when he informed me that the bank has recently added some type insurance to my bill which increased my monthly payment. So the payment they received was not sufficient. When I asked to clarify as I had no idea what he was talking about, he said that he was for the short time my insurance had lapsed. This bank, months after I had already reinstated insurance on my car, pu[redacted]sed another extremely expensive insurance of over [redacted] for one month to cover a car that is already fully insured. This is despicable act of extortion. It is deceiving behavior as I had no idea of this practice. The bank purchased an insurance for something that doesn't exist because at the time of the insurance purchase, my car was fully insured.Desired SettlementI want this bank to remove this ridiculous insurance fee from my loan amount. At 16% interest,I want to get rid of that loan as well and pay it off. That fee is nothing but a consumer rip off. How can you purchase a month worth insurance for over [redacted] after my car was already insured and fully covered?Business Response [redacted]Thank you for your letter dated [redacted] 2015. When Workers' Credit Union makes loans for our members, they are given a loan documents at closing, that the member signs, stating that they will keep their vehicle insured during the life of the loan (protecting the credit union's asset). It further states that if at any time during the life of the loan that insurance becomes lapsed, the credit union will force place insurance on said vehicle at the members expense (the member agrees to this with their signature).On [redacted] 2014, Arbella informed WCU that the insurance on the vehicle owned by Member was cancelled. Workers' sent a letter to member on [redacted] requesting insurance to be reinstated on vehicle. On [redacted] a telephone call was placed to request update on insurance status. On [redacted] insurance was reinstated by GEICO on vehicle. As per our agreement with member, we placed insurance on vehicle during the time of lapse [redacted] by our affiliate, State National Insurance Company. On [redacted] 2015, a lapse notice was sent to member informing them of the cost of said insurance during the lapse period and if they could produce evidence that said vehicle had insurance during that period, we would remove the charge. No evidence was produced, thus the charge for insurance during that lapsed period.Workers' Credit Union takes steps to make sure that the member is notified several times prior to us forcing insurance on vehicles so that the member has time to gather their own insurance to protect the vehicle.Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)This is absolutely untrue. First of all, my insurance was with Amica and NOT Arbella as erroneously stated. On December 27th I reinstated my insurance with Geico and a copy of my new policy was sent to WCU. I also called WCU at that time to let them know that I switched carrier and gave them all my info. The male rep said that he would go to the DMV site as my insurance info would also be there. A couple of days later, I got a call from WCU, stating that they couldn't see all the coverage for my new policy and to have Geico fax a copy. I called Geico again and requested that a copy of my policy be refax to WC. WC never sent a letter on 12/31 or on January 28. This is untrue. the only call I received was because they had not received my payment by the 2nd. I called WC and informed them that had automatic payment being debited from my account and the payment will be received before the grace period ends. At no time, did the rep mentioned anything about insurance. Not until that call at the beginning of May was I made aware of that insurance charge. Again, that person named Jim called to tell me that my payment was 30 days late, I told him that it couldn't be because of my automatic payment. That is when he informed me of the surcharge that was recently assessed to my account the previous month. WC DOES NOT take and did not take any steps to let me know prior to forcing this insurance on me. on May 14th, I had Geico fax them my insurance for the 3rd time. This insurance cost must be removed from my bill as well as any late fees associated with that surcharge bill as it is only a scam by WC to overcharge me because they had been in the possession of my policy clearly showing that the car was covered. If any late payment was reported to the credit bureau because of this, WCU needs to have that corrected and updated because I have never been late in any of my payments. They are deceptive and unfair in their practice. They charge me on interest on funds that were in their possessions for 2 weeks. I may have signed the closing document on 09/02...however the funds were not disbursed until 2 weeks later yet, they charged me interest starting from 02 when they were in possessions of their own funds.You explain that to me. You explain why have I not been credited those erroneous interest charge. Like I said, WC practice is very deceptive, they don't verbally disclose any material information with me. When I closed loan with larger banks any potential fees, penalties are clearly and verbally disclosed and highlighted to me. Something that was not done in this instance. Final Consumer Response See PDF.Final Business Response All of our members sign a form at the closing of their vehicle loans stating that they will maintain full insurance coverage on the vehicle as long as the loan is open and that they understand and agree to the Credit Union force placing insurance when a cancellation and/or lapse occurs. This member had no insurance coverage on the vehicle from 12/15/2014 through 01/18/2015 which forced the placement of forced place insurance. The cost of this insurance was in the amount of $373.00 and the charge was broken up over a period of 12 months for repayment. The repayment of this insurance will be collected on monthly payments starting April, 2015 and going through March, 2015 at $31.08 monthly." Ms. [redacted]'s documentation states that she had liability insurance - it does not verify that she also had fire, theft and collision coverage (which is required). The documentation that we received from Geico Insurance directly which is attached will verify that Ms. [redacted] did not have the REQUIRED insurance in place.