Corporate America Family Credit Union

I became a member of corporate America family credit union through my employee [redacted] in I opened the acctat the MacArthur location here in TX The people at the branch are wonderful and always a pleasure to work with I was pleased when I received a 10,dollars title loan against my [redacted] I used the money to pay off bills and the IRS The agreement to pay a month for years Short time letter I received a 1,dollars signature loan as a benefit to having an open acct with direct deposit Agreement to pay dollars monthly In I lost my Job I was out of work for months and months with no income Still at this point both acct were being paid mostly on time, but rarely days late Well when I finally got a job, I had no choose but to file bankruptcy to save my home I filed chapter 13, which I didn't include my credit union They had shown loyalty to me so I wanted to make sure I fulfilled my obligation to them So the title loan wa

Revdex.com Complaint ID #: [redacted] Jennifer L [redacted] obtained a vehicle loan from Corporate America Family Credit Union (CAFCU) on 1/5/for the purchase of a [redacted] ***Per the Supplemental Loan Agreement, the Loan and Security Agreement items numbered six and seven, and the Disclosure Statement Ms [redacted] signed, there is an insurance requirement stipulation that is to be met upon the consummation of the loanThe stated purpose of the insurance requirement is to protect the credit union’s collateral interestA first notice was sent via email on 1/29/and via USPS on 2/5/indicating that we had not received the required proof of insurance as of the loan dateThe letter also indicates the following insurance requirements: continuous insurance coverage with no lapses, CAFCU listed as lien holder, and comprehensive and collision coverage with deductibles not greater than $1,On 2/20/18, we received proof of insurance effective 2/17/indicating a lapse in coverageA notice for a lapse in coverage was mailed on 3/5/requesting adequate coverage from 1/5/to 2/16/The notice also explained that a Collateral Protection Insurance (CPI) premium of $1,and applicable interest would be added to the loan and payment obligation for the lapse of 1/5/18-2/16/if proof was not received for the lapsed timeframeHaving received no response to the address or phone number that was provided in the notices, per the agreements, CPI was added to the loan on 3/12/with a premium amount of $1, CAFCU spoke with Ms [redacted] on 4/16/and 4/30/regarding the loan insurance requirementsShe stated that her reason for the lapse was due to her reviewing and comparing quotes from multiple insurance companiesCAFCU asked Ms [redacted] to contact her insurance company to see if they could update the insurance effective date to the 1/5/loan dateThey were not able to do so and Ms [redacted] contacted CAFCU to inform usIn the complaint she also indicates that the title had been lost by the [redacted] Motor Company leading to her being unable to register or drive the vehicleThis does not affect the loan insurance requirements upon consummation of the loan Upon further review, we approved and will be issuing a one-time courtesy full refund of $1,which will be applied directly to the member’s principal balance on the loanMs [redacted] demonstrated the intent to take responsibility to meet the requirements of the loan insuranceWe are working with our insurance provider to expedite the refund in order to resolve this matter as soon as possibleCAFCU will be contacting Ms [redacted] to inform her of our decision

I filed bankruptcy in August of 2016; my bankruptcy was discharged in December of which included a credit card account that was opened March 18, 2011with Corporate America Family Credit Union with a credit limit of $5,In February I realized that the credit card account was still listed as open on my credit report so I tried reaching out to someone at corporate America family credit union but was continuously placed on hold and not responded toI've filed more than disputes with [redacted] requesting that this opened credit card account with corporate America family credit union be closedI even sent in my discharged letter and my chapter documents which showed the account/creditor as being included in my bankruptcy but [redacted] investigation results summary keeps coming back as "VERIFIED AS ACCURATE" which means the disputed information was verified as accurate an no changes was made to the itemWhen I called [redacted] regarding the results I was informed th

I paid every late charge the following month which brought the account current and should not have resulted in an additional paymentsHowever, I am not surprise by this business responseThey do not care anything about their membersMy referred my mom to them and she had a bad experience and now meThis is simply a horrible and unethical company with no integrity and I just want my experience on file for others to know so that they can make an informed decision before doing business with this credit union Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted]

From: AO - S***, KRIS< [redacted] @cafcu.org>Date: Thu, Dec 31, at 9:AMSubject: Revdex.com - ID # [redacted] To: " [redacted] @myRevdex.com.org" < [redacted] @myRevdex.com.org>Cc: " [redacted] ***" < [redacted] @cafcu.org>, " [redacted] ***" < [redacted] @cafcu.org>Good morning, This is in response to the attached complaint We have checked all of our databases and do not have record of the complainant in our systems We only pull TransUnion credit reports for membership in our credit union but also checked our Real Estate databases and do not have record of any attempts to apply for a Mortgage or Home EquityWe have attempted to contact MrStengel several times and to date, have not heard back Should he contact us, we will request that he provide us a copy of the [redacted] report and hope to point him to the correct financial institution as it is not Corporate America Family Credit UnionPlease re-open this complaint, post our response and let us know if you have any questionsThank you,Kristene S [redacted] | Vice President Branch OperationsCorporate America Family Credit Union | Big Timber Road, Elgin, IL 60123847-214-| Fax 847-214-| www.cafcu.org>empowering financial success®P Please consider the environment before printing this email or any associated attachments

After careful review, Corporate America Family Credit Union (CAFCU) has confirmed with [redacted] that loan 160, is reporting as a revolving account/credit card and not an installment loanThe dollar amount being reported is $5,000.00, not $6,As previously stated, CAFCU confirmed that the closed date was not a requirement when notifying the three credit bureausAs of November 3, 2017, CAFCU has notified all three credit bureaus of the closed date for loans ending in and 160Our records indicate that no calls were received regarding your above requestWe are always hopeful that our members will reach out to us to work together to achieve resolution to any matterPlease have the member call us to discuss further at ###-###-#### and ask for the Member Solutions DepartmentTell us why here

Complaint regarding two discharged loans with Corporate America Family Credit Union (CAFCU) not reporting closedAfter careful review, CAFCU confirmed that the closed date was not a requirement when notifying the three credit bureausAs of November 3, 2017, CAFCU has notified all three credit bureaus of the closed date for loans ending in and Please allow days for the update to reflect on your credit report, prior to pulling a new reportOur records indicate that no calls were received regarding your above requestWe are always hopeful that our members will reach out to us to work together to achieve resolution to any matterThank youTell us why here

On 5/22/2013, this member entered into a closed end auto loan agreement by which she was disclosed the terms of the loan verbally by phone and then signed the Security Agreement and Disclosure Statement that describes the terms of the loan including the month term In addition, she signed the Guaranteed Asset Protection (GAP) Contract that describes the term of the loan at months in addition to the full details of coverage including the maximum term coverage of months and that advances added to the loan after the effective date of the loan would not be covered by the protection From inception of the loan, the this member has had a total of $1,in late charges added to her loan as shown below These charges plus any accrued interest would not be covered with the GAP protections per the signed contract as late charges are not included in the protected balance Late Charges Paid - $ - $ - $ - $ Total - $1, Tthe difference in the payout of months versus months was about $ This member paid $for the GAP coverage and received $in benefits from the coverage after her insurance paid $11,leaving her an outstanding balance owed to Corporate America Family Credit Union of $1, Tell us why here

Initial Business Response / [redacted] (1000, 5, 2015/06/19) */ The account [redacted] established on August 19, 2005 is a Quick Cash Line of Credit, which is a personal, revolving line of credit. This means the member had the ability to borrow, pay back, and re-borrow the principal on a... revolving basis over the life of the line of credit, from 2005 to current date. Although the member made monthly minimum payments of $75.00 for the loan she continued to make advances on the funds available on the line of credit, so her balance did not decrease and interest continues to accrue. The fee the member is referring to is Loan Debt Cancellation Insurance that the member signed up for. We are always hopeful that our members will respond to our efforts to work together to achieve resolution to any matter. I would encourage the member to contact her branch office at XXX-XXX-XXXX Option 6 Ext 7150 to discuss this loan further. Thank you. Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have not taken any cash advances in over 4 years and I did not sign up or agree to monthly charge for debt cancellation services. Please review and adjust my account accordingly. Final Business Response / [redacted] (4000, 9, 2015/07/02) */ Our branch staff spoke with the member on June 25 to discuss her loan and insurance . They mailed the member the original signed agreement for her to review and also included a cancellation form for her to complete and return. We have not received it as of today. Our Branch Manager has tried to contact the member several times this week to follow-up but we have not received a call back. We did however in good faith reverse a late fee as a courtesy. I am hopeful that the member will return our Branch Managers call to continue conversations to bring any further concerns to a close.

We just recently became aware of this complaintWe discovered that the letter sent to us from the Revdex.com contained the wrong zip codeThe email that was sent contained elements that caused us to interpret it as SPAM [redacted] applied for membership with Corporate America Family Credit Union on December 1, via an online applicationBased on the information supplied by [redacted] and information provided by credit reporting agencies, the application was placed in a review status, [redacted] was contacted and asked to submit a paper application and additional verification documentsWe received the documents from [redacted] on December 21, The copy of [redacted] ’s Social Security card showed that he had entered the third number incorrectly on the online applicationTo continue the process of enrolling [redacted] and meet the regulatory mandated Customer Identification Program requirements, we performed an additional inquiry to [redacted] and the credit bureau with the correct informationUpon review of the information from the credit reporting agencies based on the correct Social Security number, [redacted] did not qualify for membershipHis membership was never approvedWe encourage [redacted] to contact the credit reporting agencies (contact information was provided to [redacted] with our notice that he did not qualify for membership) and confirm the information they are reporting is correct or initiate a dispute directly with them

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 Regards, Phil Stengel

I don not except the business response because in addition to finally closing the account that I have been asking them to close for almost a yearCorporate America Family Credit Union changed several things on the account before closing the account; damaging my credit score even moreI Spoke with Tranunion supervisor Glen at ###-###-#### on Thursday November 09, and the account has changed from a revolving credit card account to an unsecured loan and the Balance has changed from $to $This account has been harming my credit score since December of I've been trying to contact them; I've been bounced around and hung up on and to have to go through these measures and they still trying to harm my credit is ridiculousI'm now asking that the account be completely removed from my credit report because correcting the changes that has been made will only damage my credit score even more
Complaint: ***
I am rejecting this response because:
Sincerely,
Shanta ***

Initial Business Response /* (1000, 5, 2015/09/22) */
The initial deposit received to fund Mr***'s account required research and a copy of the check was not received until 9/3/On 9/4/15, credit was given to the account and a check was sent to Mr***'s address on fileA call was made
to Mr*** on 9/17/to confirm receipt and as of the date of this response, we have not heard backWe are hopeful that he is in possession of the check and will return our call if he has not received itWe are regretful for any inconvenience

I filed bankruptcy in August of 2016; my bankruptcy was discharged in December of which included a credit card account that was opened March 18, 2011with Corporate America Family Credit Union with a credit limit of $5,In February I realized that the credit card account was still listed as open on my credit report so I tried reaching out to someone at corporate America family credit union but was continuously placed on hold and not responded toI've filed more than disputes with *** requesting that this opened credit card account with corporate America family credit union be closedI even sent in my discharged letter and my chapter documents which showed the account/creditor as being included in my bankruptcy but *** investigation results summary keeps coming back as "VERIFIED AS ACCURATE" which means the disputed information was verified as accurate an no changes was made to the itemWhen I called *** regarding the results I was informed th

When I signed a car loan agreement, I agreed to months and purchased gap insuranceI was involved in a car accident and was not at fault but the gap coverage did not cover the complete balance of approx $It only covered a little over $The reason that was provided to me is because my loan exceeded months by month..they said I had a months agreement, which no one advised me ofFurthermore, no one told me that it would impact my gap coverageIf I had known, I would ensured that I would not have exceeded monthsNow, I am stuck with a balance on a car that is a complete loss and Corporate America doesn't careI would like for someone to review my case and consider waiving the balance since I did not agree to a months agreement and I did not know it would affect my gap coverageAlso, I think it is irresponsible for a company not to provide their customers with the best information so that they can make informed financial decisions

This is by the worst credit union I have ever had business withThey lie about practices and its not across the boardThey will go in your account and take funds without prior consent and regardless to how this puts you in a difficult situation they feel that they have a right This is the worst credit union in IllinoisDo not I repeat Do not bank with themI have sent this to every individual that I know that have an account with themyou have to give them a star to leave a comment but they don't deserve a star period

I applied for a loan to refinance my car with an added cosigner and my application was APPROVEDWhen I began to send over the requested documents to complete the loan process, I was given reason after reason as to why my cosigner would not be sufficientWith each reason that was given, I would send in additional documentation to back itThen another reason would come up, I would send in additional documentation, then another reason would come up etcThis went on for a month until I was told by the loan office supervisor, Kellie *** that the loan could not be approved because my cosigners pay "fluctuates" and that it needed to be "steadier"My cosigner is an event planner, of course her pay fluctuates; however I provided proof that she makes no less than the amount that was stated on the application when it was APPROVED, but yet I was still told the loan would not go throughMany careers have pay that fluctuatesdoctors, lawyers, therapist etcBelow are the different reasons that I was given:
The employment letter head address does not match the paycheck stub- Well of course not, many actual business locations are different from where the paychecks come fromThe employment letter is not signed- I sent it back and got it signedThere are no federal taxes taken out the paycheck- Well no, my cosigner files exempt as you can clearly see on the pay stubI was then offered an apology from Jennifer ***, loan officer, for giving me the incorrect informationWe can not include tips or bonuses into the income- Fine deduct that amount and my cosigner still makes no less than the amount given on the application at the time of the APPROVALThe debt to income ratio for your cosigner is to high- This was the last reason I was given after it allMind youthis reason came a month later after I was already "APPROVED" with my cosignerIt is my opinion that my loan was not completed because they wanted someone to cosign with me who had "steadier" income which was the word choice Kellie *** usedI do not think they wanted someone who makes a different amount of money each pay period even though the pay never falls below the amount that the approval was based ofIn my cosigners employment letter, the general manager stated how much my cosigner made with the minimum being the amount given on the applicationIn addition to that, my cosigner had a part time job that I provided proof of and that income was not even factored into the approval amount, so it was essentially extra incomeEven with that, I was still turned downI turned down another offer to refinance because I was given an approval by ***I wasted an entire month of sending them documentationAnd even though the documentation proved everything on the applicationI was still told no in the endI have a series of emails that can validate everything in this review

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,
*** ***

Initial Business Response /* (1000, 5, 2015/09/22) */
The initial deposit received to fund Mr***'s account required research and a copy of the check was not received until 9/3/On 9/4/15, credit was given to the account and a check was sent to Mr***'s address on fileA call
was made to Mr*** on 9/17/to confirm receipt and as of the date of this response, we have not heard backWe are hopeful that he is in possession of the check and will return our call if he has not received itWe are regretful for any inconvenience

I am a member of a different credit union and have used or tried to use the Bristol, CT Corporate America Family Credit Union shared branch on multiple occasionsAfter my husband and I married we had a number of checks with both of our names on themHowever, only my name is on the accountThey would not deposit my checks, but to add insult to injury they were incredibly rude about itI avoided using this shared branch and instead mailed all of my checks to my credit union out of stateWhen it came time to take money out of the account to put a downpayment on a home, I specifically went out of my way to find the next closest shared branch, minutes away, to get the bank check or cashier's check that was requestedHowever, the branch did not issue themSo, I was forced to try the Corporate America Family Credit Union in Bristol, CT again Partway through the process the manager, who was filling in as a teller that day (Esther ***), noticed that my license had my maiden name and my bank account had my married name (I switched it when I changed my last name, but my license hadn't expired and didn't need to be changed until it did)She checked to see if she could still make the transaction and was able to without any issues So, I started making deposits in this Bristol branch again for convenienceThe first time the teller insisted that she couldn't deposit my check, I suggested she go ask the manager who had done the bank check a few weeks prior She came back and followed through with cashing the check but made it clear through her tone and general demeaner that I was inconveniencing her because I was making her do more workShe pulled out a book of out of state licenses to make sure mine was legit and made me answer a bunch of questions concerning my personal identification The particular teller remembered me each time I came in and always seemed annoyed because she had to take the extra step to put my license number down on the withdrawl formHowever, I was never told that I wasn't allowed to make a deposit or withdrawl from then on Until today, when I went to make a withdrawal to pay for work being done to my car Because the business only took cash or checks, I had no other option but to take money out of my savings accountI had a different teller than usual who of course said she didn't think she could make the transaction because the name on my license didn't match up to name on the accountI explained that another teller thought that too, but the manager okayed it and in fact that manager also gave me a cashier's check for $2,a few months agoAfter checking with that manager, Esther ***, she informed that the transaction would not be approved I asked to speak with the manager *** told me that her staff was told to tell me that there would not be any exceptions made after the time that she wrote the bank check for my mortgageI explained that this was the first I was hearing this and that I needed access to my money because I could only pay to get my car fixed with cash She was incredibly rude and unhelpful *** insisted that I knew that no exceptions would be made However, I quickly pointed out that not only had staff never told me that in all of the times I had gone in to make make deposits over the summer, but that she herself never said that during the initial transaction for the bank check*** said that she had made a special exception for the bank check and that she could ruin the credit union's entire relationship with other shared branches if she let me withdraw the money todayWhen pressed as to why she made previous exceptions if she wasn't supposed to *** said that we were in a private business and that she could ask me to leave, alluding to a threat to call policeIt was completely over the top and unneccesary When I asked for her supervisor's number *** would only give me the number and refused to give me the person's direct lineMy mother who happened to be visiting from out of town asked her to call the supervisor and she said she "didn't have time." There was a complete lack of understanding on her part and she could not have handled the situation any worse, literally yelling at us in the lobby of the credit union No one was swearing, our voices were raised She could have asked us to step into her office Instead, she chose to confront us in front of her customers I can't believe they would put someone with such terrible people skills in charge Someone with good customer service skills would have said, "I'm sorry there's been a miscommunication We will do this one last time." Afterall, she knew that I needed to the cash in order to get my car, so time was of the essenceEach time I have gone to this branch I have been made to feel like an identity thief, when in fact my husband and I are both professionals who work at two of the largest media corporations in the world I would not recommend doing business with this branch