Consumers Credit Union

I obtained 2 loans via CCU. One for a boat and trailer (a fairly expensive venture) and the other for a Chrysler Pacifica after a lease buyout. I have had nothing but issues, multiple calls over the last 2 years for a variety of issues. I sold the boat/trailer earlier this year and with pay-off they could not produce the titles for the new owner's bank. We spent months trying to resolve it with his bank finally sorting it out and re-ordering the titles (his bank was the one whom ended up assisting-NOT CCU). After selling the boat we moved to ND and registered our Pacifica but could not receive plates as CCU would not respond to the ND DOT verification. We waited and waited and nothing, had to get a second temporary plate and I called CCU a few times to ask for their assistance. Finally I decided to just pay the vehicle off and stop doing any banking with CCU. It has been 4 weeks since pay off and I receive a letter that they do not have the title in their possession (although they clearly put themselves as lien holders on it previously). The letter removed their claim to the vehicle. ND DOT does not consider this as the correct form for registration and will only accept a physical title. I am now without a vehicle in 1 week because CCU has lost another title (3 now in total). I call in and ask for help and they say they will call me back but never do. I have no idea how to replace this title they have lost and it should be their responsibility as lien holders. I moved all of the funds from my accounts there today and will be closing them all once the transfer is complete. DO NOT USE THEM! BEWARE!

Complaint: [redacted] I am rejecting this response because: They are still sending me emails telling me about my cardsI was just sent a new email about my new card is in the mailI also don't get paper statements so there is no place for me to see account available is noneIf this agreement agrees for them to check my credit why can't they submit it!? I NEVER AGREED to have my credit pulled more than onceI also paid CCU but they keep adding fees and purchases like I'm using this cardThey won't even allow me to close the savings account they made me open to go with this credit cardThat account is in good standing so why can't I close it Sincerely, [redacted] ***

On behalf of Consumers Cooperative Credit Union (dba Consumers Credit Union or CCU), I apologize for any inconvenience or miscommunication you have had in the last couple of weeks in regards to an auto loan application/inquiry Like many financial institutions offering credit or loan instruments, terms and conditions to obtain credit are based on several factorsOne of the factors would be credit historyIn order to provide an annual percentage rate (APR) quote for a vehicle loan, CCU would obtain an application of credit for the request and perform a credit inquiry to provide a decision for the amount along with the termsBased on the complaint, Mr [redacted] was seeking a more specific rate than our as-lrates posted online or in our officesBelow is a copy of our disclosure from our vehicle loan page on our website outlining the information for loan APR (https://www[redacted] .org/loans-credit/auto-loans.html) “Not all applicants may qualify for the fixed base rateYour rate is determined by your credit historyRates listed above include applicable discounts of 0.75% APR, for details please ask a CCU Rep.” In order for an exact APR to be quoted, a credit application had been takenWithin the application submitted on 02/23/at approximately 11:am, our records indicate the APR the applicant qualified for felt the rate was too high and didn’t wish to proceed.? Based on this information, the representative withdrew the applicationFor CCU to get to this point in quoting a rate, a credit application was obtained from Mr [redacted] Again, we apologize for any miscommunication or inconvenience this may have caused

Initial Business Response / [redacted] (1000, 5, 2014/02/13) */ On February 7th, the co-owner of the membership visited one of our branches and spoke with the branch manager regarding the loan payment being applied to the incorrect loanThe branch manager submitted a request to our Accounting department to have the loan payment applied to the correct loan but unfortunately the request was not processedAfter receiving a phone call on 2/11/the primary member, Mr [redacted] contacted the branch manager regarding the phone call and the unprocessed correctionThe Branch manager immediately addressed the situation and all the necessary corrections have been madeIn reference to the members unaware they financed with Consumers Credit Union through the dealership, a welcome letter was mailed to our members and a monthly statement is also generatedOur members are set up on electronic statements which is why they did not receive the statement by mail to their home address Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/02/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) We had though [redacted] went in on Monday Feb 3rd because the 1st notice we received was dated the 31st, but in fact as we looked thru text messages it was on Thu the 6th that she went in at which time she was told by branch manager that teller had applied payment towards the wrong vehicle - even though it was clearly written on the check towards which vehicle payment was being made , she was also told by the branch manager right then and there in ger own words "I am removing payment from [redacted] and appllying it towards [redacted] and backdating payment" which sounds to me like problem has been corrected right then and there when in fact that was a lieConsumers also claims it was Fri the 7th she walked in when it was not- I am sure this can be proven by reviewing video tapesPoint being is it still took business days and a lot of hassle on our part to correct the problem - therefore we no longer trust this institution to handle our financial payments since this could be a recurring event and we do not want to go thru this type of series of events again and subsequently the [redacted] loan has already been transferred to another bank which cost us $out of our pocket- this needs to be reimbursed to us by Consumers Credit Union and we are prepared to go to small claims court if that is what it takes to make this right My wife wants me to add....she even talked with the manager about possibly refinancing the loan under her name only so it was separate and this mistake could not happen again by being applied to the wrong carWhen I got the call on the 11th at work and told her about it she was fed up and made me call the next day to see what happenedWhen I had told her that the manager said she "submitted" it to the accounting department and didn't know why they didn't fix it she then knew she did not trust them any more especially after the problem was supposedly fixed on the computer right in front of her the day she was in thereShe was not told it would be passed on to a different deptor she would have followed up Final Business Response / [redacted] (4000, 15, 2014/04/03) */ A response including the email address for Mr [redacted] was submitted on 03/03/but was not received by the Revdex.com On 03/04/the loan in reference was paid in full$has been deposited into Mr [redacted] 's savings account at Consumers Credit UnionIf Mr [redacted] still wishes to provide the paperwork initially requested it can be sent to ***@myconsumers.org Attn: [redacted] L Final Consumer Response / [redacted] (4200, 11, 2014/02/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) Can you please provide an e mail address to send the proof of loan so we can get the $fee refunded to us - Dealership said they have contacted Consumers already to notify them of transfer of loan to US bank - [redacted] is just waiting for payout of the loan from [redacted] and they will be issuing a check to Consumers for the entire loan balance 3-6-additional info from consumer: Car has been paid off now by [redacted] and I still have not received an e mail address as requested to send a copy of the title transfer paperwowe can get reimbursed by Consumers- I do not have a fax machine and work too long of hours to go in person to the branch

Monique - We apologize for the inconvenience our system conversion caused in getting a hold of one of our representatives to review your inquiryThe fees assessed are applicable when you make more than transactions (withdrawals or transfers) from your savings account on a monthly basisYou can see this language in section of our Truth-in-Savings document: https://www.myconsumers.org/docs/default-source/default-document-library/tis_sha...⇄ For each transfer that is greater than 6, a $fee is assessed on each occurrenceDue to the inconvenience of getting a hold of someone, we will be refunding half of the fees assessedWe’d strongly encourage you to open a Free Rewards Checking account as you can make as many transactions as you’d likeAs long as funds are available in your checking account, you will not receive a fee for excessive transactions like you would with a savings accountThis can be done online anytime at myconsumers.org or via phone by calling [redacted] ext***Consumers Credit Union###-###-#### | myconsumers.org

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

Dear Steven ?"As stated in our previous response (5/18/2018) to your original compliant, we are able to provide the requested documentation to your spouse’s current addressWe did not receive a response to this offer originally; however, based on your responses, this is the information you would like to obtain.? Please confirm that the requested documentation can be sent to your spouse’s current address.? Regards,Consumers Credit Union###-###-####

Complaint: [redacted] I am rejecting this response because: I will consult a lawyer Sincerely, [redacted]

Mr [redacted] -? On behalf of Consumers Credit Union (CCU), I'd like to apologize for the inconvenience and added stress we've put on you during this timeI'd also like to apologize for the delay in getting back to you, as we not only wanted to respond right away, but we'd like to ensure this is put to rest for you for goodAfter doing some digging, we have uncovered the issue for the day delinquency reportingWhen the loan payment was obtained, it was $short of satisfying the full paymentBecause the payment wasn't made in full, the loan reported as the payment not being fully madeWhile this is true, we take full responsibility for the miscue and have already begun the process on our side to remedy your credit historyWithin the next 30-days, the day delinquency will be removed and the CCU loan payment history will show each payment was made until the loan was paid in full.Again, we apologize for this situation, but when something is on our end (people or systems) we'll do our very best to fix it.? Should you want to talk further on this matter, please contact us via email at [redacted] @myconsumers.org and we'll connect you to the proper parties.? ? Regards,Consumers Credit Union [redacted]

It has been the worst processEvery time I turn around it's something elseFirst they told me I couldn't have a bank account without a driver's licenseWhat kind of nonsense is that? Then they neglected to send me cards for the accountsWhen I asked them about my cards, they apologized and then sent only one of the cards, so I had to call again to remind them to do their jobThey also signed me up for credit insurance without my opting in, and I have so far called different numbers to opt out but just get the run around from themI think it's just basic incompetence - I can't imagine they actually care whether I have this stupid insuranceMy personal banker never returns my calls, everFinally there were the TWO hard pulls on my creditHas just been a nightmare from start to finish

Hello Mandy,We're following up to close out this complaint as it is our understanding that our Team has followed up with you regarding your concerns and both sides have reached a resolutionShould you have any follow up questions or concerns for us, please feel free to contact us at any time by emailing [email protected] or by calling us directly at [redacted] Thank you again, for your feedback and your reviewIt is our hope to retain you as a Member as we do very much value your Membership and the financial relationship that we share with you

Consumers Credit Union’s Membership and Account Agreement states “By signing an Account Card, each of you, jointly and severally, agree to the terms and conditions in this agreement and Account Card, the Funds Availability Policy Disclosure, Truth-in-Savings Disclosure, Electronic Funds Transfer Agreement and Disclosure, Privacy Notice Disclosure, any Account Deposit Receipt accompanying this agreement, and the credit union’s bylaws and policies, and any amendments to these documents from time to time which collectively govern your memberships and accounts.” CCU completed a credit review on February 29, due to the [redacted] credit card being 61+ days delinquentThe collection notice mailed to Brittany informing her the [redacted] credit card may be closed if payment was not receivedA monthly statement will continue to be mailed each month until the balance is paid in fullThe monthly statement shows an available credit limit of “NONE”This is indication that the [redacted] credit card account has been closed? ?

Consumers Credit Union is in regulatory compliance, and? our credit inquiry was run in conjuction with Mr [redacted] 's verbal request for a loan application.? ? We are not required to obtain a signature.? The inquiry was a valid inquiry and cannot be removed

Hello Victor, Thank you for leaving your reviewWe would like you to know that we value all Member feedback and concerns and that your opinion is very important to usAfter a bit of research we were able to collect some information we’d like to share with you regarding your recent loanYour account was not charged a premium The reason for the letters and where the misunderstanding may have come in was from your loan that was setup on 9/1/Per the loan agreement, the loan needs to be insured from the date of the loanThe date we have for the policy on the new vehicle shows as 9/5/This is days after the loan contractSince you provided proof of coverage between those dates (9/and 9/5), the premium was not applied Our hope is that this information helps with your current issueWe apologize for any inconvenience you have experienced as a result of this, and we are here and would be more than happy to discuss this further if you have any further inquiriesPlease feel free to contact us by email directly at [email protected], or calling us at ###-###-####

Monique -? ? We apologize for the inconvenience our system conversion caused in getting a hold of one of our representatives to review your inquiryThe fees assessed are applicable when you make more than transactions (withdrawals or transfers) from your savings account on a monthly basisYou can see this language in section of our Truth-in-Savings document: https://www.myconsumers.org/docs/default-source/default-document-library/tis_sha...⇄ For each transfer that is greater than 6, a $fee is assessed on each occurrenceDue to the inconvenience of getting a hold of someone, we will be refunding half of the fees assessedWe’d strongly encourage you to open a Free Rewards Checking account as you can make as many transactions as you’d likeAs long as funds are available in your checking account, you will not receive a fee for excessive transactions like you would with a savings accountThis can be done online anytime at myconsumers.org or via phone by calling [redacted] ext***.? Consumers Credit Union###-###-#### | myconsumers.org

Mr [redacted] account with Consumers [redacted] was closed on January 16, due to increased risk exposure to our [redacted] *** Prior to January 19th Mr [redacted] was informed that his account was frozen and under investigation by a call center representative and via written communication On January 19, all remaining funds in the account were sent by overnight mail (***) to Mr [redacted]

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

Initial Business Response / [redacted] (1000, 5, 2014/06/19) */ Contact Name and Title: [redacted] Director Contact Phone: XXX-XXX-XXXX Contact Email: ***@myconsumers.org As stated in the Credit Card Account Disclosure (pursuant to Illinois Credit Union Act ILCS 305/from Ch17, par 4444)provided to all Members who receive a Consumers Credit Union Visa Credit Card " Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law if given as securityThese other shares may be withdrawn unless you are in default under this agreementYou authorize the Credit Union to apply the balance in your individual or joint share accounts to pay any amounts due on your Account if you should default." Default is defined in the Disclosure as "You will be default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due." We were notified Ms [redacted] was dismissed from her Chapter bankruptcy on 08/18/therefore we pledged the available funds in her Share accounts as disclosed in the disclosureMs [redacted] contacted the credit union and indicated she has written checks for back to school supplies in the amount of $As an act of good faith the credit union released the $to allow the transactions to clearMs [redacted] filed a 2nd Bankruptcy claim on 08/27/which placed a "stay" on her account and the remaining pledged fundsThe "stay" requires us to leave the funds as they are- the credit union cannot release the pledge or apply the funds to the balance owedThis "stay" is currently in effect and will remain so until the Chapter bankruptcy is discharged or dismissedAny transactions attempted against these funds will be return as "Non-sufficient Funds" as they are not available for use and the appropriate fees will be applied Ms [redacted] was notified of the pledge in August via a written, mailed Pledge letter as well in conversation with the Collections departmentAfter the 2nd bankruptcy was filed, communication ceased between the Collection department and Ms [redacted] and all requests for information were directed to the appropriate legal counsel It is the credit unions position we have acted appropriately and in accordance with all lawsNo fees will be waived and the pledged funds will not be releasedThank you Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/06/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I understood what they did in August as a loop hole that allowed them to take advantage of my honestyThe bankruptcy was dismissed and refiled within two weeks and I was clear about that when I spoke with [redacted] on the phoneAt no time did she indicate she was going to seize any money from my accountMy court ordered budget remained the same for August which did not allow for a $deficiency New funds were seized on June 4, 2014, while I was protected by bankruptcy, in the amount of $causing check number to bounce and incur fees in the amount of $This feels like a mean tactic to further humiliate and hassle meI do not think it is right to remove funds, bounce a check and then charge me a fee On June 17th, check numer $for the amount of $was bounced and they took a $feeIf I didn't have $in the bank how did they take their fee? I cannot put money in the bank to cover this because they keep taking it I wasn't provided notice either time when money was taken out of my accountI feel that they are intentionally hassling me as payback for filing bankruptcyTrust me, my financial ruin, has been no picnicConsumers motto is YOUR LIFE OUR COMMITTMENT and I think that is a LIEThey could care less about the people that bank thereI had been a customer there since - and they freeze money, bounce checks and cause further emotional stressI think even if they found a legal loop hole, they went about it the wrong way, they were deceptive, mean and sneakyI don't think that is anyway to do business and I think they should have to return my moneyThe money seized in June, checks bounced and fees applied were not addressed in their answer at allTheir account is included in the bankruptcy and they should not be able to further hassle me and they should return my money Final Business Response / [redacted] (4000, 9, 2014/06/25) */ Consumers Credit Union has acted appropriately and in accordance to all lawsThe appropriate disclosures and information was provide to Ms [redacted] The credit union clearly defined what actions would be taken in the event of a "default" As for the funds in the share account, the credit union is acting as allowed by the bankruptcy lawsThe credit union has the right to place a pledge on the funds which does not allow them to be used for any transactions (clearing checks, debit transactions, applying them towards any deficiency balances, etc.) The pledge was placed on the account on 8/30/when the credit union received the Chapter bankruptcy notice and was disclosed to Ms [redacted] at that timeNo additional funds have been pledged or "seized" as Ms [redacted] is claiming We recommend Ms [redacted] contact her attorney with any other questions regarding pledges on funds Again, it is the credit unions position we have acted appropriately and in accordance with all lawsNo fees will be waived and the pledged funds will not be releasedThank you

On behalf of Consumers Cooperative Credit Union (CCU), I would like to first apologize for the inconvenience caused to Moshe [redacted] . Our investigation and monitoring team at CCU reviews our Members’ information from time-to-time and, when necessary, take action to prevent losses to... the credit union deemed. Being a not-for-profit financial cooperative, one of our objectives is to ensure long-term safety and soundness for our Membership at large. Per our Membership Agreement (viewable by this link: https://www.myconsumers.org/documents/CCU_Membership_Booklet_Complete.pdf), on page 8 (line 28) we reserve the right to terminate your account at any time without notice to you. In addition, we have had several phone interactions with Moshe [redacted] relaying the decision to close the account due to the inability to verify information and providing any additional information that is permissible to be provided. All funds deposited have been returned to the address listed on the application. Dave [redacted] VP, Sales and [email protected] | p

Mr*** - On behalf of Consumers Credit Union (CCU), I'd like to apologize for the inconvenience and added stress we've put on you during this timeI'd also like to apologize for the delay in getting back to you, as we not only wanted to respond right away, but we'd like to ensure this is
put to rest for you for goodAfter doing some digging, we have uncovered the issue for the day delinquency reportingWhen the loan payment was obtained, it was $short of satisfying the full paymentBecause the payment wasn't made in full, the loan reported as the payment not being fully madeWhile this is true, we take full responsibility for the miscue and have already begun the process on our side to remedy your credit historyWithin the next 30-days, the day delinquency will be removed and the CCU loan payment history will show each payment was made until the loan was paid in full.Again, we apologize for this situation, but when something is on our end (people or systems) we'll do our very best to fix it. Should you want to talk further on this matter, please contact us via email at ***@myconsumers.org and we'll connect you to the proper parties. Regards,Consumers Credit Union***
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