Sign in

America First Credit Union

Sharing is caring! Have something to share about America First Credit Union? Use RevDex to write a review
Reviews Credit Union America First Credit Union

America First Credit Union Reviews (74)

Dear Mr***, Thank you for this opportunity to communicate with you regarding a recent complaint. You noted in your complaint that you received follow up from an America First Credit Union representative a couple of days after you initiated your application. As good business practice
and as a service to our Members and applicants, we generally follow up with incomplete applications to find out if we can be of assistance in finalizing the loan application. You received a phone call from a mortgage loan officer as part of this process. You also noted in your complaint that you did not authorize your credit to be pulled. Please note however, that on the initial application page, prior to even creating a login, the following text appears: “Applying for a Mortgage Loan from America First requires a non-refundable $(it was $at the time of your app) application deposit per credit report that will be credited to you upon closing.” It also states, “Please understand that if you log in to our Online Mortgage Application, you are authorizing America First Credit Union to run a credit report and charge you $26.32 per credit reportPlease log in only if you intend to submit your application.” After creating a login, you are directed to a page which allows you to input your personal information (name, date of birth, SSN, marital status, etc.) plus additional information relevant to the application initiated. Upon completion of this page, you are directed to a 2nd page, which expressly states, Any and all Borrower(s) and Co-Borrower(s) have read this authorization and expressly authorize America First Credit Union to obtain credit report information from consumer reporting agenciesIf this is an application for joint credit, by clicking on the “Save and Continue” button below, Borrower and any and all Co-Borrower(s) expressly intend to apply for joint credit and the expression is made personally, not having authorized another person to make that authorization for youIf you do not agree, do not proceed with the application This page requires that you check a box next to this paragraph before proceeding. In addition, you are required to input payment information for the charge of the credit report, which you did as well. We can see from the status of your loan application that you authorized the credit to be pulled at 2:PM on 12/5/2016. We are not authorized to share your credit report with you because of our agreement with the credit reporting agencies from which we obtain this information. We have, as a gesture of good will, refunded the cost of the credit report to your savings account. Please know that we strive to provide financial services of a superior quality for our Members, and serve them with the highest degree of excellence in every contact. If you have additional questions or concerns, please let me know. We appreciate your Membership and look forward to serving you again soon. Sincerely, Tammy G***

Dear Mr***, Thank you so much for bringing your concern to our attention. We apologize for the hassle and inconvenience you experienced. Because of our commitment to privacy regarding your account information, we have contacted you personally regarding the resolution of this
complaint. If you need anything else, you are welcome to reach out directly. We appreciate your membership and look forward to serving you again soonSincerely, Lisette T*** and Tammy G***

Complaint: ***
I am rejecting this response because:Your department knows and was capable of dealing with the situation differently but chose to not even assist with the court hearings etcyears waisted in court only to find that you would give hope of repair then decide to not help a member of your credit unionI understand your decisionI think America First is good credit union I simply disagree with your decision to not help after all I have been through and all I helped your organization with in this process
Sincerely,
*** And *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meAlso, extend my thanks to Dwight J*** for the movie theater gift cardThat gesture goes a long way.
Sincerely,
*** ***

Dear ***, Thank you so much for this opportunity to respond to your complaint. You stated in your complaint that the America First Heber Branch location discussed personal information regarding your account with *** ***. On February 3, at 12:PM, the courts established ***
*** as the personal representative for the estate of *** ** *** (deceased). ***/*** *** did visit the America First Credit Union Heber Branch on February 6, 2017, and provided the death certificate, statement from the Third Judicial District Court, Salt Lake County, Utah establishing himself as the personal representative of ***’ estate, as well as a monthly America First Credit Union account statement for ***’ primary account (*** Riddle, Joint Owner) which *** stated he picked up at ***’ home. *** *** also visited the Heber Branch on subsequent occasions to discuss his options in the resolution of the debts incurred by *** with America First Credit Union. As a personal representative, generally speaking, this designation allows him to have all powers necessary to administer the estate, including the power to sell assets. When we learned of ***’ death, America First Credit Union’s primary focus was to ensure that steps were taken to prevent financial loss No additional information outside of the coordination of the estate of *** ** *** was shared with ***, nor any other member of ***’ family. His access to the account statement was out of our control, as he obtained this statement from ***’ home. You mentioned on a phone call with Lisette Thurgood, that ***’ sister made a deposit and was given balance information. Although you didn’t remember a specific date, we reviewed a transaction that occurred on January 17, 2017. We have spoken with the teller who completed the transaction in the drive-thru, and verified that no account information was provided during this transaction. We also reviewed a copy of the transaction receipt, and the balance was redacted. We have thoroughly investigated your claim and have not found any inquiries or records of interactions that would indicate that personal information was shared outside of what was dictated in the establishment of the personal representative. If you have additional information or proof that would indicate otherwise, please contact us at your earliest convenience so that we can investigate further. Sincerely, Tammy G***

Dear Mr***,Thank you so much for this opportunity to respond to your feedback regarding your recent auto loan. Per our phone conversation, I believe this complaint was resolved to your satisfaction. If you have additional questions, please don’t hesitate to reach out. We
appreciate your membership and look forward to serving you again soon.Sincerely,Lisette T*** & Tammy G***

Dear Mr***, Thank you so much for this opportunity to respond to your feedback regarding your recent membership application. Per our phone conversation, I believe this complaint is resolved. If you have additional questions, please don’t hesitate to reach out. We appreciate your
membership and look forward to serving you again soonSincerely, Tammy G*** and Lisette T***

Dear ***,Thank you for taking the time to tell us about your experience in making a payment on a loan through the drive thru We apologize for the hassle and inconvenience you have experienced We are coordinating internally to ensure a consistent member experience as a result of your
feedback Thank you for bringing your concern to our attention We would love another opportunity to earn your business We hope to serve you again soon If you have additional questions or if I can assist you further, please let me know Thank you!Sincerely,Tammy G***

Dear Mr***,
Thank you for this opportunity to communicate with you regarding a recent complaint. I have researched your complaint and have included information below relative to the complaint you submitted. I contacted your insurance company directly on Monday and had them email to
me the appropriate documentation to verify coverage for the period of 11/2/through 12/14/2015. The previous declaration page was only showing coverage from 12/14/through 6/14/ I was able to speak with an agent and get this information as well as correct the lienholder address. I have confirmed with our Insurance Department that you received a full refund of $*** today as well. They will also reimburse you for the interest accrued as appropriate. Your payment will return to its original amount of $next Friday, March 18th.
If you have further questions in this regard, please let me know. Thank you!
Sincerely,
Tammy G***

Dear *** ***, Thank you for this opportunity to communicate with you regarding a recent complaintI have researched your complaint and have included information below relative to the complaint you submitted. You are correct in that America First Credit Union contacted you on the morning of
6/25/at 9:AM, leaving you a message stating that there was a charge $that was pending. We fortunately were able to stop this charge, due to the fraud monitoring that we have in place through our Visa card systems. Unfortunately, a different fraudulent charge was initiated on Monday, 6/27/in the amount of $3,that utilized your routing and account number. Fortunately, on Wednesday we were able to rebate the $fee that occurred as a result of this transaction, as well as get the $3,provisionally credited to your account. We have notified PayPal of the unauthorized charge and anticipate no further issues with this transaction. You also noted in your complaint the lack of assistance you were offered from America First representatives relative to the resolution of this fraudulent charge. After listening to the calls, the communication between our representatives and both you and your wife was inadequate. I understand your frustration in feeling like you were told one thing, and then seeing another thing happen. Please understand that we did everything possible to stop the fraudulent charges over the weekend via your Visa card, but were not even aware of the ACH transaction that came through until Monday morning. There are always opportunities to improve, and I have shared some insights with our teams internally to ensure we do not repeat this same experience for another Member. I sincerely apologize for the missed opportunity to provide for you an enjoyable experience with America First Credit Union. We value your Membership and look forward to serving you again soon. If you have further questions in this regard, please let me knowThank you! Sincerely, Tammy G***Tell us why here

Dear ***, Thank you for this opportunity to communicate with you regarding a recent complaint. You noted in your complaint that you have been working to close your mother’s line of credit for two months. On February 13, we have record of the Smithfield Lee’s Branch providing you a hard
copy and electronic copy of the closed account form necessary to close the line of credit. The only piece of information that was missing was Maurine’s signature on the form, which you needed to have signed, and notarized and returned, or you needed to provide us with a copy of your full Power of Attorney, and the form signed and notarized by you, if you weren’t completing this transaction in-person. Unfortunately, we do not have record of ever receiving the returned form, or the Power of Attorney. If the charge in the checking account that you are concerned about is one that is unauthorized, we would be happy to assist you in disputing this charge. If you would prefer to discuss these details over the phone, please respond to this message via the Revdex.com and we will reach out to you. Please know that we strive to provide financial services of a superior quality for our Members, and serve them with the highest degree of excellence in every contact. If you have additional questions or concerns, please let me know. We appreciate your Membership and look forward to serving you again soon. Sincerely, Tammy G***

Dear ***,Thank you so much for taking the time to submit your feedback regarding a recent loan experience. We truly appreciate the information you have shared and will utilize it to better train and educate our employees. I apologize that you didn’t receive the appropriate follow up to
your loan application. Per our phone conversation, I understand you are no longer interested in pursuing this loan and membership account. We have marked the loan as not accepted, and closed out your membership account with us. There was not a membership account nor Share Savings Account established as part of this application, and you were not charged $to maintain the balance required for ownership To ensure the privacy of your information, I will not further elaborate on the motorcycle valuation, loan rates and terms, we discussed over the phone. If you have additional questions or if I can assist you further, please let me know. Thank you!Sincerely,Lisette T***Tammy G***

Dear Mr***, Thank you for this opportunity to communicate with you regarding a recent complaint. I understand your primary complaint is that you are receiving different balance information from America First Credit Union and Bonneville Collections and the requested monthly payment from
Bonneville Collections is too high. I anticipate you are likely already aware of your account activity timeline, however, I will provide it here for your reference. On 10/19/2016, because your accounts were past due, we sent your charged off auto loan, Visa Credit Card and Line of Credit to Bonneville Collections. It is our understanding that you spoke with a representative from Bonneville Collections on several different occasions during the month of December to work out a payment plan. You noted in one of the conversations with Bonneville Collections that it was illegal for us to charge you interest, which is not true. You also spoke with representatives from America First Credit Union to obtain balance and interest rate information during this same timeframe. I anticipate that you may have assumed that the debts were combined based upon what Bonneville Collections was willing to accept for a payment; however, it was not explained how this payment amount would be allocated among the three outstanding debts. We would be happy to provide for you the separate balances and associated interest rates on these three accounts, as well as work with you to waive some accrued interest. We are also happy to coordinate with Bonneville Collections to ensure consistency and negotiate a payment plan suitable for both parties. We would be happy to contact you and discuss this with you further, or provide the contact information for a representative at America First Credit Union. Please let us know how you would like to proceed Please know that we are committed to assist you with your financial needs Let me know if there is anything I can do to assist you further. Sincerely, Tammy G***

Dear ***, Thank you for this opportunity to communicate with you regarding a recent complaint. First of all, I want to thank you for bringing your complaint to our attention as it has helped us be more aware of areas we can improve. I sincerely apologize that we did not communicate with
you the process of disputing a Visa charge at the outset of your dispute. Our desire is to provide you with excellent service at every interaction, and in this case, this is not what you received. I am grateful that you were able to work with our Visa Department last week to resolve this case by providing us with your statement in writing. I don’t anticipate any further action is needed on your part. I will be providing you with a letter of resolution in the next few days per your request over the phone, when you spoke with Lisette Thurgood If you have additional questions or if I can assist you further, please let me knowSincerely, Tammy G***

Dear Ms***, Thank you so much for bringing your concern to our attention. Because of the nature of your complaint, and America First’s commitment to privacy regarding member account information, we have sent contacted you privately regarding your complaint. If you have additional
questions or concerns, please don’t hesitate to contact us directlyWe appreciate your Membership and look forward to serving you again soonSincerely, Lisette T*** and Tammy G***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Dear Mr***, Thank you so much for bringing your concern to our attention. Because of our commitment to privacy regarding your account information, we have contacted you personally regarding the resolution of this complaint, and believe based upon our conversations over the phone, that we
have resolved this complaint to your satisfaction. If you need anything else, you are welcome to reach out directly. We appreciate your membership and look forward to serving you again soonSincerely, Lisette T*** and Tammy G***

Complaint: ***
I am rejecting this response because:
I have spent the last weeks giving
your Credit Department the opportunity to make the necessary changes to how your organization is reporting the vehicle which I paid off All the other parties involved including *** *** CU have already corrected the issue, however, AFCU continues to claim that they can and will report the way they are reporting.I have been told this by Hollie AND Sky the Vice President over Credit. Sad really that even the County Attorney said you folks should be able to correct the mistakes made by Executive Auto Plaza owned by Robert B*** whichI had the pleasure of closing down through proper legal process according to Utah StateLawCorrect how it Reports or Accept the Complaint I did not spend all the time in the Weber County Courthouse for nothingAll of the necessary documents offering evidence to support the complaint have been sent to your Credit DepartmentThank you.
Sincerely,
*** And *** ***

Dear Mr***, Thank you for this opportunity to communicate with you regarding a recent complaint. I understand your primary complaint is that you are receiving different balance information from America First Credit Union and Bonneville Collections and the requested monthly payment from
Bonneville Collections is too high. I anticipate you are likely already aware of your account activity timeline, however, I will provide it here for your reference. On 10/19/2016, because your accounts were past due, we sent your charged off auto loan, Visa Credit Card and Line of Credit to Bonneville Collections. It is our understanding that you spoke with a representative from Bonneville Collections on several different occasions during the month of December to work out a payment plan. You noted in one of the conversations with Bonneville Collections that it was illegal for us to charge you interest, which is not true. You also spoke with representatives from America First Credit Union to obtain balance and interest rate information during this same timeframe. I anticipate that you may have assumed that the debts were combined based upon what Bonneville Collections was willing to accept for a payment; however, it was not explained how this payment amount would be allocated among the three outstanding debts. We would be happy to provide for you the separate balances and associated interest rates on these three accounts, as well as work with you to waive some accrued interest. We are also happy to coordinate with Bonneville Collections to ensure consistency and negotiate a payment plan suitable for both parties. We would be happy to contact you and discuss this with you further, or provide the contact information for a representative at America First Credit Union. Please let us know how you would like to proceed Please know that we are committed to assist you with your financial needs Let me know if there is anything I can do to assist you further. Sincerely, Tammy G***

Dear Mr***,
Thank you for this opportunity to communicate with you regarding a recent complaint. I have researched your complaint and have included information below relative to the complaint you submitted. You noted in your concern that your payments were being deposited into
your Share Savings account. All financial institutions receiving and sending ACH transactions must abide by the rules set forth by the National ACH Clearing House Association (NACHA). These transactions are coded with specific codes, and per NACHA rules, we are not allowed to alter the distribution of these funds per the codes set forth in the files we receive. For instance, in your case, the ACH was coded to be deposited into a savings account, and as such, we were required to deposit these funds into a savings account. You also note that you were unaware that you had a Share Savings account with the credit union. As part of your Membership with the credit union, you are required to maintain minimum shares as required by the Credit Union bylaws. This requirement is fulfilled by maintaining $in a Share Savings account (which minimum balance requirement was changed to $on February 25, 2015). When you completed your Indirect loan in November 2014, you would have received in the mail a copy of the Membership and Account Agreement with a letter welcoming you to the credit union. Unfortunately in your case, your address was not provided correctly to us by the dealership where you completed your loan, which caused a delay in receiving these notices. When you contacted us on 3/31/and noted that your initial payment had been received into the savings account, instead of the loan, this was due to the coding of the ACH transfer submitted from your financial institution to America First. At that point, a representative from America First Credit Union was able to transfer and apply these funds to your loan, and also back-date the effective date of the transaction to 3/10/2015, which was the date the ACH was received in the savings account. One week later, our insurance department also advanced your loan due date from 2/18/to 4/18/because of the collateral insurance premium. You were reported to the credit bureaus as days delinquent for March 2015. However, because the insurance department advanced your due date after the point when your day delinquency had been completed to the credit bureaus, they did not realize they needed to make this additional correction. I have requested this to be completed through our Research Department. This can take up to two weeks for each credit bureau to make this correction.
You also noted that we reported you late for May 2015. After the almost all of your collateral insurance premium was refunded, your due date was 4/18/2015, as I mentioned above. You did not make a payment to your loan in April; you also did not make a payment in May 2015, which caused you to be reported as days delinquent on this loan. The next payment was received on 6/19/for $***
In summary, we have taken the necessary steps to remove the 30-day late delinquency for March 2015. The May 30-day delinquency is accurate.
If you have further questions in this regard, please let me know. Thank you!
Sincerely,
Tammy G***

Check fields!

Write a review of America First Credit Union

Satisfaction rating
 
 
 
 
 
Upload here Increase visibility and credibility of your review by
adding a photo
Submit your review

America First Credit Union Rating

Overall satisfaction rating

Address: PO Box 9199, Ogden, Utah, United States, 84409-0199

Phone:

Show more...

Web:

www.americafirst.com

This site can’t be reached

Shady, yet now dead: once upon a time this website was reported to be associated with America First Credit Union, but after several inspections we’ve come to the conclusion that this domain is no longer active.



Add contact information for America First Credit Union

Add new contacts
A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | New | Updated