Made Immoral debt collections practicesFroze my account and kept my VA disability money to apply towards an unauthorized credit card payment
On 5/18/I received a phone call from the collections department inquiring about my credit card paymentI told the lady that I had retained an attorney and was in the process of filing chapter 7.She asked for the attorneys name, phone number and case number.I wasn't home but told her I would provide her with it once I returned home in minsI called her back while still not home and gave her the attorneys name and phone numberShe said she would contact my attorneyOn 5/25/17, I noticed that $was missing from my savings accountI called the collections dept that day and the lady told me that she took money out of my savings account to pay on the credit cardI told her that I had was filing bankruptcy and if she has talked to my attorney the week beforeShe apologized to me and said that my account wouldn't be debited again, b
Redstone takes out car insurance and adds the cost to your car loan even after you provided proof of insurance during the loan application process
I refinanced two separate vehicles at redstone within a week of each other (one on Sept 30, one on Oct 2)During the application process copies of each vehicles insurance was provided, and on one of the occasions, the employee even called the insurance agent and talked to them directlyAll paperwork was signed and several weeks later the balances changed banksFour months later, on January 19,after several payments (both accounts are paid months in advance of their due date - thru May in January), both accounts have CPI insurance added to themThe older vehicle (2011) gets $added to the loan, the newer vehicle (2015) get $added to itUpon inquiry (same employee who worked the loan), I am told this is not a proof of insurance issue, but a lien issue with the insurance companyupon my second visit which was to the main b
Redstone Federal has reported my payments as being 30-days late for several months in a row in
I made the payment for January 12, on February 6, for the regular amount of I did not add the late fee that they charge after daysI made two payments in March and every month there afterI have never been more than days late on a single payment, yet they reported as such to all three major credit unions
I paid off my repo Mazda auto loan before the day period in cash, I want my title, my Mazda car and personal belongings back that were removed
I paid off my auto loan acct # XXXXXXXXXXX it is a Mazdatoday at Redstone Federal Credit Union a branch located in Murfreesboro, Tn in the amount of $1,cashI paid it off full in cash in dollar bills and then I was told by a Member Service Representative employee that was told by collections department that they will be holding on to my title due to other charged off loans with them that they have no business with anymore and were charged off and sent over November 5, to C*** *** Attorney at Law in Huntsville, AL in Madison CountyAlso, nobody at the branch or in collections knows what auction my vehicle is at! Seriously how unprofessional and stupid does that sound? Apparently only people in all the branches and collection offices knows where my car is but they were nowhere to be foundEither its a
Applied for year fixed rate mortgage that was switched to ARM last few days of escrowI was forced to accept loan or risk not closing on house
I applied for and was approved for a loan on a vacation home in August or September of Everything seemed fine until the final days of escrowWe were told by *** *** our loan officer, that the underwriters would not sign off on the loanThey said they were having trouble getting employment verificationThis seemed odd since I've been working there yearsThe sellers were on the way down from Illinois when they found out there was going to be a delay in the closingWe got a few days extension on the escrowThen the truth came out, from *** and the escrow guy, that because it was plastered all over the news that my plant was closing, they figured I was losing my jobThis wasn't true, the plant was moving and I was offered a position at the new locationThe plan is to sell are primary residence and keep the lake house
I'm currently locked out of my online banking and have been for weeks
I am currently locked out of my online banking and have been for weeksThis has been a huge inconvenience as I need to log in to transfer money from my savings account to checking account in order to pay billsTwo phone numbers were provided to me to call to get this taken care of and I called both and was put on hold several timesI do not have time to deal with all of this
For several yearsI documented fraudulent activities in my personal accountsEverytime I call Redstone to address my concerns the unprofessional manner in which I am insulted by Redstone Federal Credit UnionJust adds insult to their violationsDue to me relocating and my address being changed numerous timesThey know when I am not in the state of Alabama and unable to come personally to address my concerns face to face so the fraudulent activities continue This new complaint has lead me to just want to close my account with the branch after several years of fraudulent activitiesOn September 24, I contacted *** to have them cancel an account I have because I did not authorize a transaction of $to my accountSo they sent me a cancellation emailSo when I contacted Redstone Federal Credit Union on 9/28/to address overdraft fees that should not be on my accountThey frustrated me moreBecause this is not the first time I documented fraud from my accountsSo I
HORRIBLE AND BAD CUSTOMER SERVICE, BAD AND DRY TONE, IMPATIENT, CONTINUE TO CUT ME OFF AND WANTED TO END THE CALL,AND INSIST ON ENDING THE CALL
On 3/18/I called RFCU and *** answered the callI only wanted to know if I wire funds to RFCU and they apply the funds to my account*** went straight into *** mode she went on to tell me how Western Union works and which I know because I have used it several times*** was right off the back irritable,impatient, rude tone, dry tone, and kept saying no, no, no, and insist on ending the callAnd she didn't care how she talked to me or how I felt after she spoke to meI been with RFCU for years and I always have spoke highly of them until then
I paid my Car Payment April 2016, upon making my Car Payment the cashier informed that no other interest was needed to be paidAfter applying a loan
A home loan I found out the Redstone sent me a 3O day late noticeI then met with a representative in May to The lady informed that this fee would be waived and that they were going to contact the Credit Bureau which was totally falseSo with a DOLLAR LATE feeRedstone has affected me now for yearsI then spoke to the VP who has not taken no actions to speak with the representative who in turn told me they are not to change my report
Unfortunately, I was not able to enjoy festivities/nor have access to my debit card due to Rep error
On 07/02, I attempted to make a purchase of $229.xx from TNTThe transaction was declinedI called customer services and spoke to a CSR The rep advised the terminal was showing I was in California and for my security it was declinedI had no issue with thatI advised the rep I went to the ATM machine and withdrew the funds I needed to pay for my transactionI asked the rep were there any holds or was I going to run into any additional issues with my debit card and the rep confirmed, no Later that night, I attempted to use my card again at a restaurant and it was declinedI have not had any access withdraw any money even though I attempted several times I called to customer services and the reps were no assistanceThe rep I spoke to on 07/was not helpful and failed to actively listen to the issue I am havingShe goes to explain the reason why the transaction declined
Demand for email address with no choice to refuse
I have a credit card with RFCUOn 4/22/17, I went on line to look at some charges to the cardThe web site demanded that I enter an email address and I could not refuseI am unable to access my credit card informationI DO NOT want the RFCU credit card branch to contact me via emailI can be contacted via the US Post office or by phoneI DO NOT want to receive electronic credit card statementsI want RFCU to STOP demanding an email address, when I wish to access my credit card account on lineThere is no benefit to ME, for RFCU to send me electronic statements and communicate via emailInternet access is an optionIf RFCU wishes to communicate with me via the Internet, then RFCU can pay my internet fees
I deposited a check into Redstone on April 9th, they put a hold on it for almost a monthWhen the hold was finally up, they turned off my card
I deposited a check on April 9thThey put a hold on this check for almost a monthThe hold was until the 27thI tried to get them to release it earlier and was told they needed the check that the bank was from to call themI did this and did a conference call and they changed the "policy " and said it wasn't good enoughI called SEVERAL times and spoke with many peopleWhen the funds were released, they turned off my debit card and they're not letting me get my money outI called today and explained my situation different timesI was even hung up on
Added to my auto loan
I purchased a truck back on the 21st of October using Redstone as the financierUpon checking my balance on the 28th of the February it was discovered they added to my loan saying they never received proof of insuranceThey never attempted to contact me by phone or email before doing this nor did I receive any lettersThis is a horrible way to do business and treat your customers nor will I ever be recommending this company to any one
Withdrew money from my account without my consent to cover someone else's negative balance
Got a notice on my phone 10/23/that I had a low balance, which I knew was impossible because I had made some deposits and I major purchasesLow and behold, my account was emptiedI became distressed, thinking my identity had been stolenA customer service rep told me not to worry, because if I didn't authorize the transaction, I would get my money back, period
Well when the bank looked into it further, turns out my money was stolen, but by the bankTurns out a relative of mine, who was linked to my account was in the negativeApparently since her account was in the negative for days, the bank closed her account and emptied mine to make up for the losswithout informing me at allAnd the tune changed to "well, sorry about your money." But what the kicker is here is NO ONE talked to me AT ALLMy relative had to do all the calling to figure out what was going onRFCU never sent
We applied for a interest only home equity line of credit & were given a year adjustable interest & principle line of credit without realizing it
We were given a HELOC line of credit that was to be an interest only line of credit & turned out to be a year adjustable interest & principle line of creditWe took the loan out on 9/3/We did not draw on the line of credit until 3/30/We were looking to downsize to another home that was easier to manage & had been looking since we took out the loanWhen we received our first payment notice it was $1,dollarsThat was for the purchase of a home that was $131,I can't even imagine what our payment would have been if we had drawn the full $150,that we were givenWe were stunned at the amountWe are both disabled & I'm facing my second fusion surgery on my back in yearsI have had heart stents put in in the past yearWe have a combined income of $2,a monthThe debt ratio just on the Redsto
They reported a payment as late when the payment was sent to the credit union automatically as it was every month for years
In December 2016, I went to RFCU and asked for a 2nd card for my credit card account that I have had at RFCU for over yearsMy card was not lost, not stolen, not missing and I specifically stated that to the tellerNO problem with the card at allI just wanted a 2nd card on the same accountI did not want a new credit card accountI specifically told them three times that my credit card payments where sent automatically from my bank each month so it was important that my credit account number remain the same and I was NOT asking for a new card just a 2nd identical cardHowever, RFCU sent me a NEW card but, without my knowledge, they had cancelled my other credit card account number and issued a new account numberI had not opened or used my new card as I don't use it every month*** continued to send my auto payments as before as they have don
Made Immoral debt collections practicesFroze my account and kept my VA disability money to apply towards an unauthorized credit card payment
On 5/18/I received a phone call from the collections department inquiring about my credit card paymentI told the lady that I had retained an attorney and was in the process of filing chapter 7.She asked for the attorneys name, phone number and case number.I wasn't home but told her I would provide her with it once I returned home in minsI called her back while still not home and gave her the attorneys name and phone numberShe said she would contact my attorneyOn 5/25/17, I noticed that $was missing from my savings accountI called the collections dept that day and the lady told me that she took money out of my savings account to pay on the credit cardI told her that I had was filing bankruptcy and if she has talked to my attorney the week beforeShe apologized to me and said that my account wouldn't be debited again, b
Redstone takes out car insurance and adds the cost to your car loan even after you provided proof of insurance during the loan application process
I refinanced two separate vehicles at redstone within a week of each other (one on Sept 30, one on Oct 2)During the application process copies of each vehicles insurance was provided, and on one of the occasions, the employee even called the insurance agent and talked to them directlyAll paperwork was signed and several weeks later the balances changed banksFour months later, on January 19,after several payments (both accounts are paid months in advance of their due date - thru May in January), both accounts have CPI insurance added to themThe older vehicle (2011) gets $added to the loan, the newer vehicle (2015) get $added to itUpon inquiry (same employee who worked the loan), I am told this is not a proof of insurance issue, but a lien issue with the insurance companyupon my second visit which was to the main b
Redstone Federal has reported my payments as being 30-days late for several months in a row in
I made the payment for January 12, on February 6, for the regular amount of I did not add the late fee that they charge after daysI made two payments in March and every month there afterI have never been more than days late on a single payment, yet they reported as such to all three major credit unions
I paid off my repo Mazda auto loan before the day period in cash, I want my title, my Mazda car and personal belongings back that were removed
I paid off my auto loan acct # XXXXXXXXXXX it is a Mazdatoday at Redstone Federal Credit Union a branch located in Murfreesboro, Tn in the amount of $1,cashI paid it off full in cash in dollar bills and then I was told by a Member Service Representative employee that was told by collections department that they will be holding on to my title due to other charged off loans with them that they have no business with anymore and were charged off and sent over November 5, to C*** *** Attorney at Law in Huntsville, AL in Madison CountyAlso, nobody at the branch or in collections knows what auction my vehicle is at! Seriously how unprofessional and stupid does that sound? Apparently only people in all the branches and collection offices knows where my car is but they were nowhere to be foundEither its a
Applied for year fixed rate mortgage that was switched to ARM last few days of escrowI was forced to accept loan or risk not closing on house
I applied for and was approved for a loan on a vacation home in August or September of Everything seemed fine until the final days of escrowWe were told by *** *** our loan officer, that the underwriters would not sign off on the loanThey said they were having trouble getting employment verificationThis seemed odd since I've been working there yearsThe sellers were on the way down from Illinois when they found out there was going to be a delay in the closingWe got a few days extension on the escrowThen the truth came out, from *** and the escrow guy, that because it was plastered all over the news that my plant was closing, they figured I was losing my jobThis wasn't true, the plant was moving and I was offered a position at the new locationThe plan is to sell are primary residence and keep the lake house
I'm currently locked out of my online banking and have been for weeks
I am currently locked out of my online banking and have been for weeksThis has been a huge inconvenience as I need to log in to transfer money from my savings account to checking account in order to pay billsTwo phone numbers were provided to me to call to get this taken care of and I called both and was put on hold several timesI do not have time to deal with all of this
For several yearsI documented fraudulent activities in my personal accountsEverytime I call Redstone to address my concerns the unprofessional manner in which I am insulted by Redstone Federal Credit UnionJust adds insult to their violationsDue to me relocating and my address being changed numerous timesThey know when I am not in the state of Alabama and unable to come personally to address my concerns face to face so the fraudulent activities continue This new complaint has lead me to just want to close my account with the branch after several years of fraudulent activitiesOn September 24, I contacted *** to have them cancel an account I have because I did not authorize a transaction of $to my accountSo they sent me a cancellation emailSo when I contacted Redstone Federal Credit Union on 9/28/to address overdraft fees that should not be on my accountThey frustrated me moreBecause this is not the first time I documented fraud from my accountsSo I
HORRIBLE AND BAD CUSTOMER SERVICE, BAD AND DRY TONE, IMPATIENT, CONTINUE TO CUT ME OFF AND WANTED TO END THE CALL,AND INSIST ON ENDING THE CALL
On 3/18/I called RFCU and *** answered the callI only wanted to know if I wire funds to RFCU and they apply the funds to my account*** went straight into *** mode she went on to tell me how Western Union works and which I know because I have used it several times*** was right off the back irritable,impatient, rude tone, dry tone, and kept saying no, no, no, and insist on ending the callAnd she didn't care how she talked to me or how I felt after she spoke to meI been with RFCU for years and I always have spoke highly of them until then
I paid my Car Payment April 2016, upon making my Car Payment the cashier informed that no other interest was needed to be paidAfter applying a loan
A home loan I found out the Redstone sent me a 3O day late noticeI then met with a representative in May to The lady informed that this fee would be waived and that they were going to contact the Credit Bureau which was totally falseSo with a DOLLAR LATE feeRedstone has affected me now for yearsI then spoke to the VP who has not taken no actions to speak with the representative who in turn told me they are not to change my report
Unfortunately, I was not able to enjoy festivities/nor have access to my debit card due to Rep error
On 07/02, I attempted to make a purchase of $229.xx from TNTThe transaction was declinedI called customer services and spoke to a CSR The rep advised the terminal was showing I was in California and for my security it was declinedI had no issue with thatI advised the rep I went to the ATM machine and withdrew the funds I needed to pay for my transactionI asked the rep were there any holds or was I going to run into any additional issues with my debit card and the rep confirmed, no Later that night, I attempted to use my card again at a restaurant and it was declinedI have not had any access withdraw any money even though I attempted several times I called to customer services and the reps were no assistanceThe rep I spoke to on 07/was not helpful and failed to actively listen to the issue I am havingShe goes to explain the reason why the transaction declined
Demand for email address with no choice to refuse
I have a credit card with RFCUOn 4/22/17, I went on line to look at some charges to the cardThe web site demanded that I enter an email address and I could not refuseI am unable to access my credit card informationI DO NOT want the RFCU credit card branch to contact me via emailI can be contacted via the US Post office or by phoneI DO NOT want to receive electronic credit card statementsI want RFCU to STOP demanding an email address, when I wish to access my credit card account on lineThere is no benefit to ME, for RFCU to send me electronic statements and communicate via emailInternet access is an optionIf RFCU wishes to communicate with me via the Internet, then RFCU can pay my internet fees
I deposited a check into Redstone on April 9th, they put a hold on it for almost a monthWhen the hold was finally up, they turned off my card
I deposited a check on April 9thThey put a hold on this check for almost a monthThe hold was until the 27thI tried to get them to release it earlier and was told they needed the check that the bank was from to call themI did this and did a conference call and they changed the "policy " and said it wasn't good enoughI called SEVERAL times and spoke with many peopleWhen the funds were released, they turned off my debit card and they're not letting me get my money outI called today and explained my situation different timesI was even hung up on
Added to my auto loan
I purchased a truck back on the 21st of October using Redstone as the financierUpon checking my balance on the 28th of the February it was discovered they added to my loan saying they never received proof of insuranceThey never attempted to contact me by phone or email before doing this nor did I receive any lettersThis is a horrible way to do business and treat your customers nor will I ever be recommending this company to any one
Withdrew money from my account without my consent to cover someone else's negative balance
Got a notice on my phone 10/23/that I had a low balance, which I knew was impossible because I had made some deposits and I major purchasesLow and behold, my account was emptiedI became distressed, thinking my identity had been stolenA customer service rep told me not to worry, because if I didn't authorize the transaction, I would get my money back, period
Well when the bank looked into it further, turns out my money was stolen, but by the bankTurns out a relative of mine, who was linked to my account was in the negativeApparently since her account was in the negative for days, the bank closed her account and emptied mine to make up for the losswithout informing me at allAnd the tune changed to "well, sorry about your money." But what the kicker is here is NO ONE talked to me AT ALLMy relative had to do all the calling to figure out what was going onRFCU never sent
We applied for a interest only home equity line of credit & were given a year adjustable interest & principle line of credit without realizing it
We were given a HELOC line of credit that was to be an interest only line of credit & turned out to be a year adjustable interest & principle line of creditWe took the loan out on 9/3/We did not draw on the line of credit until 3/30/We were looking to downsize to another home that was easier to manage & had been looking since we took out the loanWhen we received our first payment notice it was $1,dollarsThat was for the purchase of a home that was $131,I can't even imagine what our payment would have been if we had drawn the full $150,that we were givenWe were stunned at the amountWe are both disabled & I'm facing my second fusion surgery on my back in yearsI have had heart stents put in in the past yearWe have a combined income of $2,a monthThe debt ratio just on the Redsto
They reported a payment as late when the payment was sent to the credit union automatically as it was every month for years
In December 2016, I went to RFCU and asked for a 2nd card for my credit card account that I have had at RFCU for over yearsMy card was not lost, not stolen, not missing and I specifically stated that to the tellerNO problem with the card at allI just wanted a 2nd card on the same accountI did not want a new credit card accountI specifically told them three times that my credit card payments where sent automatically from my bank each month so it was important that my credit account number remain the same and I was NOT asking for a new card just a 2nd identical cardHowever, RFCU sent me a NEW card but, without my knowledge, they had cancelled my other credit card account number and issued a new account numberI had not opened or used my new card as I don't use it every month*** continued to send my auto payments as before as they have don