Consumers Credit Union

Revdex.com: this matter er has been resolved and I have renewed my plates:)
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me
Sincerely,
Vanessa A***

I have been a member of *** Credit Union for well over years and they were great!
Unfortunately Consumers Credit Union took over and it was all downhill from thereWorst costumer service I have ever experienced!
Hidden charges and fees that get automatically taken out of your accounts!
Never any managers available!
I could go on and onIf you are thinking of opening an account DON'T! RUN THE OTHER DIRECTION AND SAVE YOUR MONEY!

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 ###-###-####

Hello *** -Thanks for bringing your concern to our attentionWe apologize for any inconvenience this situation has caused youThe reason there was the additional amount left on the loan, was due to a late fee assessed from missing your March payment due date and grace period. The payment
received on 04/was applied towards your March due date and a $late fee was assessedThe payment received on 05/was applied towards your April due date and a $late fee was assessed as the payment was made outside your grace periodThe balance remaining on the loan for the May payment due was $(very close to the amount you specified in your complaint.).Due to the miscommunication by our team, we’ll be crediting your CCU savings account $as a one-time courtesyFor what it is worth, we’ll be using this as a coaching opportunity with our service team to better explain situations such as yours. We value your Membership and hope to get our relationship with you back on the right track. Best regards, *** ***VP, Sales and Marketing | ***@myconsumers.org | ***

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*** 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.***.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***
Again, we apologize for any miscommunication or inconvenience this may have caused

Complaint:
I am rejecting this response because: They didn't address my concerns at allI have between $150-in credit card rewards which I want and I want them to remove the hard pull they did on my credit report AFTER the account was closedThey claim account was closed 1/But it was closed well before thatMy membership and access to my account was closed at least a week before, which was when they pulled my reportThey claim they have a right for it when investigatingBut the accounts were already closedAnd there was NO risk exposure
Sincerely,
Jerry ***

Complaint: ***
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,
*** ***

*** *** opened her *** credit card account May 29,
The card was closed February 26, due to delinquencyAt this
time,
there had not been a payment made since November 3, Members are informed
of Consumers Credit Union’s right to cancel the account in the event of
delinquency in the account agreement that is provided at the time of account
openingPer this agreement, notice by the Credit Union is not required
As of May 7, 2016, there has been a total of three $late
fees charged to this *** credit card account throughout the life of the
account*** has received two $fee refunds as a courtesy; first on
September 3, and again on March 1, Consumers Credit Union will not
provide additional late fee reversalsLate fees will continue to be charged
each month the minimum payment is not satisfied within calendar days of the
payment due date
Consumers Credit Union is reporting this card as closed with
a balance owed to the credit agenciesWe are also reporting the delinquency
We will continue to report the card status and balance each month until the
account has been paid in full
*** is responsible for the full balanceLate fees will
continue to be applied to the *** credit card account per the guidelines
stated aboveThis has the potential to increase the balance owed each month
The credit inquiry was not in conjunction with the VISA
credit cardConsumers Credit Union reserves the right to complete a credit
review at any time per our Membership guidelines

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,
Aydin ***

On behalf of Consumers Cooperative Credit Union (CCU), I would like to first apologize for the inconvenience caused to Moshe *** 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 deemedBeing a not-for-profit financial cooperative, one of our objectives is to ensure long-term safety and soundness for our Membership at largePer our Membership Agreement (viewable by this link: https://www.myconsumers.org/documents/CCU_Membership_Booklet_Complete.pdf), on page (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 *** relaying the decision to close the account due to the inability to verify information and providing any additional information that is permissible to be providedAll funds deposited have been returned to the address listed on the application. Dave ***VP, Sales and [email protected] | p

Hello Leonard,Thank you so much for your feedback concerning the credit union and your experienceWe want you to know we value all Member feedback and appreciate you taking the time to post your concernsIt appears as though you've connected with our New Accounts Manager outside of this
forumWe're copying the response she has provided you and hope this meets your desired outcomeI hope this note finds you wellMy name is Heather *** and I manage the New Accounts Department here at CCU. First and foremost, I would like to thank you for your feedback on your experience with Daryl, as well as with CCUI apologize this particular experience was a poor one and I will do my due diligence to ensure this does not occur moving forwardFeedback, both the positive and negative, are important so we are able to better coach our employees, to evolve as an organization, and to provide the best Member experience possible When researching this matter further, Daryl started a new account application for you, but ended up withdrawing it on Friday, November 10thA separate account was not opened solely in your nameI do still see you are joint Member with your wife on accounts with us: Membership Share Savings, Free Checking, and Secondary Saving, but a new, separate account was not created for you. As part of the new account application, $was taken ($deposit into Membership Share Savings, $Membership fee)This was processed as a pre-authorization (pending charge)Since the new account was not commenced however, we returned the $to your financial institution at time of application withdrawal (November 10th)This does take 2-business days to reflect on your end. I hope this helps to resolve the concerns your letter detailedIf not, please let me knowAs I stated above, I will be addressing this experience in detail to ensure these types of Member interactions do not happen moving forward. If you do have further questions or concerns, please feel free to contact me directlyI will also paste this response to the Revdex.com Complaint we received. Thank you again for your feedback. Heather *** *** *** *** * * *** * * ***
*** ***
*** *** ** * *** *** * *** * *** ***

Initial Business Response /* (1000, 5, 2015/01/19) */
Contact Name and Title: *** *** VP Retail
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@myconsumers.org
Ms*** was sent an email on 1-13-by our loan department with an updateThe dealership was provided a letter on
1-13-per their request, which they have confirmed is acceptableThe dealership is aware that the GAP coverage has been confirmed and is reflected on the letter as a screenshotUnfortunatley the insurance company who provides our GAP policies was unable to provide the original policyAt this point Consumers Credit Union is waiting for the check from Ms*** insurance company so we can payoff the loan balance with the GAP coverage
The title work issue was a state errorThe error was corrected and the insurance company was notified as soon as the title ame in from the Illinois Secretary of StateConsumers Credit Union was at fault as we did not address the name discrepancy once it was received for filing
Consumers Credit Union does apologize for any frustrations that Ms*** is encounteringWe have been consistently working towards a resolution since it was brought to our attention and at this time are confident that Ms***' concerns have been addressed
Initial Consumer Rebuttal /* (3000, 7, 2015/01/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I will not close this until this matter is taken care ofThey are blaming the state of IL for the mistake that has prolonged this issue even longerOkThe state may have made a mistake, but why was it accepted by Consumers at that time with the wrong name on it? Consumers is always quick to point a finger, never accepting responsibility for their own mistakesThe only reason I EVER received an email is because I stayed on top of thingsI was told I would get call back, I NEVER DIDI had to be the one to call people backI had to ask to speak to a manger in order to get anything movingAs of right now I have YET to hear back from ***, who insisted she would keep me updatedQuit blaming everyone else and take responsibility for your mistakes and make this issue right! Now because of their error my pay off has gone up, how is that even right? I will keep this open so I can report the outcome of this situation
Final Business Response /* (4000, 9, 2015/01/29) */
As mentioned in our original response, the credit union apologizes for the frustration Ms*** has experiencedThe credit union also indicated that we were at fault for not noticing the incorrect title information upon receipt from the state, therefore we did not place blame on anyone else
As of Monday January 27th, this matter has been resolvedThe employee from our lending department has been in constant contact with Ms*** to ensure this matter was handled as quickly and efficiently as possibleThe loan was paid off upon receipt of the payoff check from the insurance companyIn additon, the GAP insurance refund was also receivedThis matter has been resolved

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,
Aydin ***

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,
*** ***

Save yourself time, money, and a lot of frustration by avoiding Consumers Credit UnionThe 3.09% APY looked good, but turned out to be all looksAfter taking about a week to open my account due to a service rep being to busy, my account was only open for one week before CCU closed itThe detailed explanation I received from them was that they couldn't verify my informationWell guess what, if you can't verify my information, how can I open an account with you!? I was told the money that was in my account was mailed to me the same day my account was closedAfter a week had gone by and I still hadn't received it, I contacted CCU and they told me to wait 7-business daysAfter the 10th business day had past I contacted them again and they said it could take up to business daysOn the 14th business day I contacted them only to be told they hadn't mailed my check yet!? This is ridiculous! I'm still waiting to receive my money from them

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 ***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

*** *** opened her *** credit card account May 29,
The card was closed February 26, due to delinquencyAt this time,
there had not been a payment made since November 3, Members are informed
of Consumers Credit Union’s right to cancel the account in the event
of
delinquency in the account agreement that is provided at the time of account
openingPer this agreement, notice by the Credit Union is not required
As of May 7, 2016, there has been a total of three $late
fees charged to this *** credit card account throughout the life of the
account*** has received two $fee refunds as a courtesy; first on
September 3, and again on March 1, Consumers Credit Union will not
provide additional late fee reversalsLate fees will continue to be charged
each month the minimum payment is not satisfied within calendar days of the
payment due date
Consumers Credit Union is reporting this card as closed with
a balance owed to the credit agenciesWe are also reporting the delinquency
We will continue to report the card status and balance each month until the
account has been paid in full
*** is responsible for the full balanceLate fees will
continue to be applied to the *** credit card account per the guidelines
stated aboveThis has the potential to increase the balance owed each month
The credit inquiry was not in conjunction with the VISA
credit cardConsumers Credit Union reserves the right to complete a credit
review at any time per our Membership guidelines

Hello *** -Thanks for bringing your concern to our attentionWe apologize for any inconvenience this situation has caused youThe reason there was the additional amount left on the loan, was due to a late fee assessed from missing your March payment due date and grace period. The payment
received on 04/was applied towards your March due date and a $late fee was assessedThe payment received on 05/was applied towards your April due date and a $late fee was assessed as the payment was made outside your grace periodThe balance remaining on the loan for the May payment due was $(very close to the amount you specified in your complaint.).Due to the miscommunication by our team, we’ll be crediting your CCU savings account $as a one-time courtesyFor what it is worth, we’ll be using this as a coaching opportunity with our service team to better explain situations such as yours. We value your Membership and hope to get our relationship with you back on the right track. Best regards, *** ***VP, Sales and Marketing | ***@myconsumers.org | ***

Initial Business Response /* (1000, 5, 2014/03/03) */
Consumers Credit Union provides a Truth in Savings disclosure to all new membersWithin the Truth in Savings, on page labeled Fee Schedule, it indicates a $fee for Checking and Money Market Accounts "For each automatic transfer
of funds to cover an overdraft."
After review of Ms***'s account please note there was a total of overdrafts equalling $in feesOn March 1, Ms*** was given a courtesy refund of $by a teller supervisorAs of today, March 3rd, I have met her half way and refunded an additional $The credit union fully discloses this fee to all new membersAs a member, Ms *** holds the responsiblility of verifying adequate funds in her checking account prior to making purchases in order to avoid overdrafts and fees
Initial Consumer Rebuttal /* (3000, 7, 2014/03/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
On March 1, I went to CCU for the third time to ask to speak to a manager, however, I was never allowed to speak to oneThat is the same reason why I was offered a refund of $60, which I declined since I want all of my money backI do not need to be met half wayCCU has my money and I have gotten nothing in exchange
I am a responsible consumerI always go through the necessary steps to make sure that I am within my budgetIn fact, this would not be a problem if I hadn't had let them talk me into signing up for direct depositLike I stated before, I had enough money in my accountI was just never told that in order for me to use it (without overdrafting fees) I had to have in my checkings accountI was told every single detail about direct deposit, but nothing regarding overdrafting feesIf I had been properly informed, my money would have gone directly to my checkings and not savings
Also, I would expect that, as good business practices, I would receive more than which manual and page to look into as a responseThis is particularly important given that this is a problem that many of CCU's clients faceHow can they say that all fees are fully disclosed to all members and still have so many complaints about it (to the point that they won't even allow us to speak to a manager regarding the issue)
A well informed consumer would never agree to be charged ridiculous fees like this oneespecially when having enough money on their account
Final Business Response /* (4000, 11, 2014/04/03) */
A response was submitted to this complaint on 03/03/but was not received by the Revdex.com
Each new member to Consumers Credit Union is provided a copy of the Truth in Savings Disclosure along with a copy of our fee scheduleThe fee schedule indicates a $fee "For each automatic transfer of funds to cover an overdraft." It is the responsibility of our members to review all disclosures provided and to ensure sufficient funds are in their share account prior to processing any type of transaction to avoid these feesThis is common for all financial institutions
Ms*** was refunded $in overdraft fees as a courtesy on 03/01/by a supervisorOn 03/03/another $in overdraft fees was also refunded as a courtesyConsumers credit union refunded half of the fees Ms*** was assesed to her account
The credit union feels that meeting Ms*** half way and refunding fees that are clearly disclosed to our members is generous

Complaint: ***
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,
*** ***