Gesa Credit Union

Gesa's merger with Inspirus Credit Union has been absolutely terrible. I could accept that for the first few weeks the wait to speak to Customer Service might be long because of call volume. However, over 2 months later I have still never waited on hold for less than 20 minutes. This is NOT acceptable. The final straw for me is that I received an alert from Gesa on Christmas Eve about fraudulent charges to my debit card. I immediately (after 25 minute wait on hold) confirmed with an agent that the two charges were not mine. I was told to destroy my debit card & the charges would not go forward. Kept checking my account & for 5 days the charges were held as pending. I received & sent back the requested response in writing that these two charges were fraudulent. Imagine my surprise (& anger) when I checked my account on New Year's day & found that Gesa had now PAID the charges that they had questioned as fraudulent one week earlier & I had confirmed!
Of course there is no one to speak to on a holiday, which I can accept, but despite the information on website that you can speak to customer service on Saturdays, it seems that is incorrect, so another long weekend wait.
I look forward to closing all 3 of my accounts with Gesa as soon as possible.
If there was any lower rating than one star I would certainly give it.

Since the take-over of Inspirus, I have tried to get answers to some issues with my accounts MNAY times. GESA does not answer the phone (I've been on hold for 30 minutes + many times, with NO indication that I'm in queue or wait times), nor do they respond to secure messages sent online (I've sent a half dozen over 10 days asking for a call back)– no reply.
I do much business online, and GESA is simply the worst. I've been a customer of this credit union, through many changes, since the mid-70s– it seems sad that I should have to drop this account now, but what options do I have if "nobody's home" to deal with customer concerns?

I have had accounts starting with School Employee C.U. for a long time. Been thru the merger with Inspirus which was fine. This merger - not fine at all. They have somehow pulled an old address in and sent cards to that. I called and they were supposed to send me my cards. Haven't received them. I called again. They have expedited cards to people but refuse to do so for me. They want to charge me $27.50 to expedite a card. I called again today and turns out they lied to me about when they sent out the second card. I am so disappointed with this new group. I am going to have to take the money out of here and put it in TAPCO. I've never had a problem with TAPCO.

We had 3 good standing accounts with Inspirius CU that got transferred to Gesa when they merged. They closed all of them on our credit reports that made our credit score drop 45 POINTS! Now if we do refinance to change this lender, we will not get a good rate. They should have made all accounts marked as "paid". Not happy and was worried why they were merging in the first place. Do not use this institution. Will be contacting the BBB, FDIC & Attorney General.

Gesa Credit Union has erroneously placed a negative comment on our credit report. They stated they placed the same comment on every account at the direction of the reporting agencies due to the pandemic.

We have 1) never missed a payment on our only loan we have had with them, 2) are approximately 20 months ahead in payments as we want the loan paid off quickly.

We are trying to purchase a new RV trailer but due to this erroneous entry, the bank which is financing the RV loan is charging a higher rate to us because of Gesa's negative entry.

When I called Gesa and spoke to a manager (Paula), she stated they placed this comment on ALL accounts. This is horrible business practice and Gesa is causing the customers nightmares in trying to resolve the issue. DON'T EVER DO BUSINESS WITH GESA!

Credit Union management has met with this individual on five separate occasions (2/1, 2/7, 3/16, 3/22, and 4/3) in to attempt to resolve their issues, explain the credit union's underwriting decisions, explain fraud reporting requirements, and reverse fees as appropriateCredit union policies prevent further disclosure of information in a Revdex.com response but the individual is invited to continue working with management to reach a satisfactory resolution to their complaint

Gesa staff from both our Member Contact Center and Member Service Center have reached out to our member, Mr [redacted] , regarding his missing statementsAs a result of those conversations, Mr [redacted] has been provided with both electronic and paper copies of the statements in questionAll fees associated with statement copies, as disclosed in our fee schedule, were waived in this situation for Mr [redacted] If Mr [redacted] has any additional questions or concerns please do not hesitate to reach out to Gesa at 509.378.3100, thank you

Our member recently spoke with the Manager of her local Service Center regarding this issueAll of the fees in question were reversed and the functions and features of Colossal Checking and our overdraft coverage options were reviewed in full with the memberAt the end of the meeting, the member was satisfied and also provided with the Manager’s direct contact information in case she had any questions or concerns in the future

Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted]

We have researched this complaint regarding the reporting of a personal line of credit with our credit union The account in question has been researched and the status of the personal line of credit in question has been corrected and submitted to all four credit reporting agencies The initial member request was not fully completed and this has been corrected The member will receive an updated communication that includes the reference number for the most recent AUD Control number for his records We apologize for the misunderstanding by our representative of his original request and the personal time he has had to invest in obtaining this correction

The *** loan has been in Gesa’s collection department since December of 2016. On May 26, the loan was assigned for repossession as it was days past due in the amount of $1,773.97. On May 31, at 3:52pm *** called the office to make a payment and was told
the loan was out for repossessionShe was informed that she would need to provide Gesa current paystubs and proof of insurance and we would find out the close fee from the repo agent. On June 6, at 11:03am *** called in. She was given two different quotes one was to close the repossession by paying a total of $or the second quote was to place the repossession on hold by paying $now and $on or before 06/21/She was aware if placing the repo on hold the second half of the funds were due on or before June 21, On June 7, at 12:03pm *** called the office and paid $to place the repossession on hold On June 21, at 12:15pm collector called the home number as the second half of the payment is due today and left a message on the answering machine for them to call her. At 5:49pm no return call or payment from member so the orders were taken off hold. Please also note that Gesa would not have agreed to accept a payment date for a Sunday as the credit union is closed

Gesa Credit Union will continue all future correspondence with this individual regarding this issue offline and and in-personThe individual can contact Gesa by calling Thank you

Gesa can accept loan payments by all of the methods listed by Mr***, including wiresWe have no record of any incoming payment (rejected or otherwise) for Mr***’ payment with our bill payer provider, no record of an ACH return, and no record of a returned check in March or April
Mr*** made payments through the Member Contact Center on May 30, and July 5, The phone processing fee was waived in both instancesAdditionally, on July 5, Mr*** spoke to an eServices representative via secure message and was provided instructions on how to set up an external transfer via online banking, a payment option which does not impose a fee, along with information on setting up automatic payments for his loan
We have attempted to reach out to Mr*** via phone for additional follow up and would like to assist him further if neededShould he need further assistance, he should contact Gesa at

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,
*** ***

Credit Union management has met with this individual on five separate occasions (2/1, 2/7, 3/16, 3/22, and 4/3) in to attempt to resolve their issues, explain the credit union's underwriting decisions, explain fraud reporting requirements, and reverse fees as appropriateCredit union policies
prevent further disclosure of information in a Revdex.com response but the individual is invited to continue working with management to reach a satisfactory resolution to their complaint

We have made attempts to connect with this member in person to explain all of the possible bill payment methods that exist and do not incur a feeThe $online payment fee is ONLY for consumer's who choose to pay their loans over the phone using a credit cardTransfers between accounts, both
manual and automatic (including those accounts outside of our credit union) will never incur a chargeOnly when a payment is made using a credit cardWe hope that the education we are able to provide will help provide the best options for this specific situation

Hello,We have received the complaint from Ms*** *** regarding the GAP insurance that she elected to purchase at the time she financed her auto loan with our credit unionWe appreciate her business and that she choose Gesa Credit Union for her lending needsUnfortunately, the refund policy
on our GAP insurance dictates that requests for refunds must be made within sixty days of purchasing the insuranceMs*** purchased her GAP insurance on 2/14/and would have only been eligible for a refund before 4/14/The credit union can provide a signed contract for the purchase of this insurance if necessary.Thank you,*** ***AVP - MarketingGesa Credit Union

[A default letter is provided here which indicates your acceptance of the business' responseIf 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 *** and find that this resolution is satisfactory to me.
Regards,
*** *** *** ***

Complaint: [redacted]
I am rejecting this response because:  In June of 2016 when I made GESA CORPORATION aware of the process being put in place to satisfy the remaining debt balance connected to my birth name through the all capitol Corporation name set up for profit, Sierra called me back and stated that her manager researched the information I gave her and found it to be true and correct. They were happy to accept it but I needed to find the P.O. box number to forward it to because they were such a small corporation( they did not know Which dept of the treasury of IRS AGENCY  to send it to?) We requested the pay off amount because the process requires that amount so the IRS AGENCY/TREASURY DEPARTMENT that specifically handles this authorization from me in order to be able to utilize the social security bank account number that is used in the loan  process to identify that account information. Is GESA CORPORATION suggesting that the TRANSUNION CORPORATION would update information based on what the consumer states? TRANSUNION verified one who reports current status of an account not the consumer. Any individual that does any research as GESA said management did in June of 2016, will verify that this process will afford ANY individual the truth about the way made by the government to satify any debt connected to your birth given name sent in all capitol letters when Fiat Currency is involved. GESA was informed by us last summer that they contacted the wrong department at the Treasury. The Treasury Direct handles CONVENTIONAL Trusts ONLY. As their CORPORATION knows full well. If anyone googles  for address to PENNSLYVANIA AVE IN WASHINGTO,D.C, it will come up .I resent the authorization document that Washington address needed to complete the process. Transunion verified that the process put in place 6/2017 was complete by updating the status of the account to a zero. W The IRS AGENCY just satisfied their supposed debt from the same process we sent to them this past summer. They stated that they satisfy themselves first and them the other CORPORATIONS. with us would have entailed putting the two months they refused to communicate with us at the end of this loan, knowing that they would get the satisfaction as it is set up to transpire before the term of loan ended.  so THE QUESTION STILL REMAINS: WHO WITHIN GESA CORPORATION REPORTED THE COMPLETION OF THE PROCCESS AS OF 1/2017. and WHY WERE THEY STILL THREATENING US WITH A REPOSSESSION/  The Washington state law says that if they agree to work with us one day past the FIRST due date, they nullify the contract which at that time allows they to take the vehicle for late payment. So, are they working with us because they knew that process would complete itself???  Our goal has been and still is to send the monthly financial compensations until the process completed because we were assured that all over financial compensations would be returned to us in a timely manner once what they reported to the credit bureau happened. We filed this claim solely because GESA CORPORATION keeps refusing to communicate with us to get this account back in right standing. I gave them all the addresses verbally and by fax multiple times to no avail.  We are again requesting and explanation of why they would report this balance satisfied as of 1/2017 if it was not and to update the status to a positive standing with the bureaus as it should be. If this process is a scam and if the bureaus for some reason did update items from information given by the consumer, does that mean that the bureaus would accept the authorization document without checking for it's validity? We are seeking immediate resolution. Thank you.  Apologies for the delay in our response. I was in an accident and sustained multiple injuries.
Sincerely,
[redacted]

Gesa staff from both our Member Contact Center and Member Service Center have reached out to our member, Mr. [redacted], regarding his missing statements. As a result of those conversations, Mr. [redacted] has been provided with both electronic and paper copies of the statements in question. All fees...

associated with statement copies, as disclosed in our fee schedule, were waived in this situation for Mr. [redacted]. If Mr. [redacted] has any additional questions or concerns please do not hesitate to reach out to Gesa at 509.378.3100, thank you.