Golden 1 Credit Union

Review: I received a check by mail and brought it to Golden1 to deposit. I wasn't sure if the check was legitimate, but I had no issues with the deposit as the teller didn't check or seem to even suspect that it was false. This happened a second time at a different location. It wasn't until my husband went to [redacted] that we found out the checks were not authenticated, hence leaving me $3,100 in debt with Golden1. I trusted Golden1 to verify my check and to warn me that these were fraudulent in which I had no idea. As a new mom with a part-time job, I cannot afford to pay Golden1 back this much money as the person that sent the checks had the funds sent elsewhere that I cannot retrieve.Desired Settlement: I would like to be counted as even with Golden1 as this was a fraudulent situation that I was victim of and being prosecuted by Golden1 as a criminal. My account right now is -$1,065 and will go down as the other two checks will bounce,

Business

Response:

March 22, 2016

Dear Mrs. [redacted],

I am writing in response to the compliant that you filed

with the Revdex.com (Revdex.com) on March 16, 2016.

I wanted to let you know that at Golden 1 we do our best

to protect our members from fraudulent activities. Our staff cannot know when a check that

appears to be legitimate will be returned.

It is usually the circumstances around the checks being provided to our

members that would indicate if they are potentially fraudulent. We have to count on our members to question

these circumstances.

There are many scams that prey on individuals, such as

yourself, and we will do what we can to assist you through the process but we

are not able to credit you money for a fraudulent check. We do want to provide you the following

suggestions and information to help you going forward.

Suggested steps to take if you have been scammed:

Contact your local police department to file a reportFile a report with the Internet Crime Complaint Center at [redacted]File a complaint with the Federal Trade Commission at [redacted]..

Useful links for more information on mystery shopping and

scams:

[redacted]You may also wish to visit the Mystery Shopping Provider's Association

(MSPA) website at [redacted] for a list of reputable mystery shopping

companies.

We understand your frustration. I hope that you find the information in the

above links helpful.

Sincerely,

VP, Account Services

Review: About a year back, I corresponded with Golden 1 regarding an error due to which Golden 1 had marked me 30 days late for Jan 2012 and Dec 2012 on my credit report for my auto loan (Ac# -[redacted]). This was due to reoccurring errors with my checking account from another bank with which I had setup payments to get processed. All the while there were more than sufficient funds in my account to cover the payments In order to get the late payments off my report Golden 1 requested that I forward them documentation from my bank pertaining to the error. I then got togather all the requested information and forwarded it to Golden 1, having been under the impression that all would be resolved. However on recently checking my report, I'm seeing the late payments still being reported and when I called Golden 1 last week, I was told that they denied my request.Desired Settlement: This issue is causing me tremendous hardship and keeping our family from getting approved for a home. I am requesting that Golden 1 remove these lates as they had initially assured me.

Business

Response:

I am writing in response to the compliant that you filed with the Revdex.com (Revdex.com) on August 13, 2014 regarding 30 day late reporting on your auto loan.

First I would like to apologize for any miscommunication that you have received regarding your requests. I do show that we received your original request in March of 2012. We submitted adjustments and removed the late payments being reported as provided in the documentation that you provided showing issues that you had experienced with your other institution.

As of today, I verified the reporting of your auto loan at all three agencies, Experian, Equifax, and TransUnion. I confirmed we are not reporting you as having any 30 day late payments on your auto loan during the time in question or any other time during the life of the loan.

If you have any questions regarding this letter or your dispute, you can contact me directly at ###-###-####.

We know that you have many options when choosing financial institution, and we appreciate your decision to place your business and your trust in Golden 1.

Review: I was given 2 checks off the golden1 one account from two different people and when I went into the back they charged me 3 dollars for each check...now I have to go back to each person and recharge them 3 dollars each to get the full amount owed to me. In other words you are charging your clients golden1 customers 3 dollars per check to use them as a fee. We do not like it on either end. Bad Shame on you.Desired Settlement: Change your policy ASAP

Business

Response:

Initial Business Response

Your recent comments to the Revdex.com have been forwarded to me for review and to respond. Comments such as yours allow us the opportunity to evaluate the level of service that is being provided across the organization.

As you discovered, effective August 5, 2013, Golden 1 implemented a $3.00 Check Cashing fee for non-members who utilize Golden 1 locations to cash an item written by our member. Cashing a Golden 1 item at one of our locations by a non-member is an optional service. To avoid the fee you may present the item to your financial institution for deposit. Once again I am sorry you are unhappy with the new fee. Your feedback has been forwarded to my management for further review.

Please let us know if we can be of further assistance with any additional concerns that you may have.

Sincerely,

Retail Administration Department

Golden 1 Credit Union

[redacted]@golden1.com

Final Consumer Response

(The consumer indicated he/she DID NOT accept the response from the business.)

Now I have to go back to the people and request that they give me more money for you ripoff attitude...whatever happened to Golden1's original idea that its a credit union for its members? I am a member of this credit union but choose not to deposit but to cash the check...I now find out that you are charging the people I write checks to a 3 dollar fee...its robbery. I NOW have to give them 3 dollars more for every check I write so they are not cheated but now I am cheated. I will be doing my checking writing etc at another institution as of now. My best friend who wrote me the check will also be changing if you do not change your cheat the customer policy. The only one who loses is your members who have to payout 3 dollars more on every check.

Sincerely

Final Business Response

October 10, 2013

PO Box XXXXXX

Sacramento, CA XXXXX-XXXX

Dear Mrs. [redacted],

Your recent comments to the Revdex.com have been forwarded to me for review and to respond. If you are a Golden 1 member the $3.00 check cashing fee does not apply when you present a check written by another Golden 1 member to cash. When presenting a Golden 1 check to cash, please inform the teller you are a member of the credit union. In addition, any checks written by you to another Golden 1 member to cash, the fee is waived. The check cashing fee only applies to a person who is not a member of the credit union that chooses to come into Golden 1 to cash a check written by a Golden 1 member.

Due to your long standing membership, we have deposited a total of $6 into your checking account as a reimbursement for the non-member check cashing fees.

I hope my explanation above helps shed some light on our new check cashing fee. Once again I am sorry you are unhappy with the new fee. Your feedback has been forwarded to my management for further review.

Please let us know if we can be of further assistance with any additional concerns that you may have.

Sincerely,

Retail Administration Department

Golden 1 Credit Union

[redacted]@golden1.com

Review: Harassing phone calls about biling error

I am 81 years old and I am getting harrassing phone calls from this company 6 to 8 times a day about a payment for my car. I asked them in February what the total was due on my car and I paid it on February 16. I have received my pink slip from them and they are still calling me about a payment even after I received my pink slip. I am getting calls from early in the morning till I go to bed. Desired Settlement: To Stop the harrassing phone calls.

Business

Response:

Initial Business Response

I am in receipt of the complaint you filed through the Revdex.com on September 5th, 2013 regarding your account.

I have reviewed the circumstances surrounding your account. The Credit Union received a payoff in the amount of $19,217.08 on February 16th, 2013. As a result of this payoff, your title was issued. Unfortunately, after the issuance of the title, the check by phone processed by you in the amount of $443.50 on January 3rd, 2013 was returned against your account.

You spoke with [redacted] on March 18, 2013 who confirmed the calls were in regards to the returned payment and the remaining balance owed on the account. [redacted] agreed to research the remaining balance owed prior to providing you with a final payoff. Your balance was researched by our Loan Servicing department and adjustments to the interest owed were made the following day. Since then, the Collections department has made several attempts to contact you by phone and through written correspondence.

To discuss payment arrangements or to process a payment by phone, please contact the Collections department at XXX-XXX-XXXX. If you prefer to speak with me directly, feel free to contact me at the number listed below.

Sincerely,

Collections Manager

Golden 1 Credit Union

XXX-XXX-XXXX or XXX-XXX-XXXX [redacted]

Cc: Revdex.com

Final Consumer Response

(The consumer indicated he/she DID NOT accept the response from the business.)

I called and asked for the payoff of my Vehicle. They said the payoff was $19,217.08 which wrote a person check and sent in the overnight express mail. I RECEIVED the pink slip for the Vehicle within the following two weeks. [redacted] THE END [redacted]

I've asked them to STOP making they HARASSING phone calls. As of 9/23/13 they are STILL HARASSING me with 3 to 4 calls a day!

Thank you,

Final Business Response

Regarding: Revdex.com Complaint #XXXXXXXX

Dear [redacted],

I am in receipt of additional correspondence from you in regards to the complaint referenced above.

The Credit Union was calling in an attempt to collect on the remaining past due balance of your loan. We have complied with your request and the phone numbers associated with this account have been removed.

Feel free to contact me directly if you wish to discuss payment arrangements on the remaining balance owed on your account.

Sincerely,

Collections Manager

Golden 1 Credit Union

XXX-XXX-XXXX or XXX-XXX-XXXX [redacted]

Cc: Revdex.com

Review: I recently opened a Golden 1 credit card and a Golden 1 checking account. Golden 1 has frozen my checking account and refused to either lift the freeze or cancel my account, effectively confiscating my funds.In January of this year, there was a promotion at [redacted]'s for double fuel points for every $1 spent. I took advantage of the promotion to buy some gift cards at [redacted]'s using my Golden 1 credit card. After several such purchases, Golden 1 suspended my credit card citing unusual 'cash advances' purchases and concerns regarding identity theft.As a result of the suspension, Golden 1 removed my online checking account access and placed restriction on the account, effectively freezing access to my checking funds. I have called Golden 1 on 6 separate occasions and offered to provide all necessary information to prove that the purchases were indeed made by myself. I was told on 3 separate occasions that Amy, the representative in charge of my case at the Loss Prevention department, would get back to me within a week. So far I have yet to receive a single call from Golden 1. In fact, the last time I called Golden 1, even the front line customer service representative was shocked that the Loss Department had done nothing in two months.I fully paid my Golden 1 credit card balance at the end of January. When I called and asked to lift the suspension in light of the fact that the credit card is fully paid, I was told that the Loss Prevention Department still needed to investigate the incident. I requested to cancel the card and get my checking account funds back, and customer service said that cancellation is not possible because Loss Prevention still needs to investigate. I helpfully pointed out that since my credit account is fully paid, there is no longer any loss to prevent and that we could all save the Loss Prevention department some work. That line of reasoning was not appreciated, and I still was not allowed to close my checking account.So, at this point, I have no access to my checking account funds and I have no idea of when I am expected to see my funds again.Desired Settlement: I would like Golden 1 to either lift the suspension on my account or to cancel it entirely and refund me my checking balance.

Business

Response:

Dear [redacted],I am writing in response to your correspondence with the State of California Department of Business Oversight (DBO) regarding your credit card experience. This was forwarded to Golden 1 Credit Union for response and resolution.Golden 1 continuously monitors account activity for potentially fraudulent transaction to maintain the integrity of the credit union and to protect our members' assets. The large gift card purchases made on your account in January with your new Golden 1 credit card caused your account to be restricted while Golden 1 completed the verification process for these transactions.As you requested in your correspondence with the Department of Business Oversight, your accounts have been closed. You should receive a check in the mail for the balance in the account within 2-10 business days.If I may be of further assistance, please do not hesitate to contact me at ###-###-####, or email me at [redacted]Sincerely,[redacted]Vice President, Account Services

Review: An automated payment scheduled for 12/1/13. Golden1 withdrew the funds from my account on 11/31. As of today, 3/6/14, those funds have still not made it to the payee. The payee did receive a check which bounced. It appears that Golden1 is using a third party for online bill pay, but months of troubleshooting have had no impact. The payee still doesn't have their money and neither do I.Desired Settlement: I want the payee to receive the payment!I also want Golden 1 to pay interest for the funds that were never issued from 11/1 until the funds are deposited into the account of the payee.

Business

Response:

We just received a call from CheckFree, our third party bill payment service provider. The Administrator,[redacted] from the preschool contacted them this afternoon and advised that her financial institution had given her credit and we could close the case. I left a message for Mr. [redacted] advising him of this as well.

Review: I have been a customer of Golden 1 Credit Union for over 40 years and have been using their online banking since it's inception yesterday, 08-09-15, I logged into my online account to access their bill paying feature, but was met by a window with their Privacy Policy. I can't access account to pay my bills unless "I Accept" (the only option) the terms of the Privacy Policy. My account is being held hostage to this Privacy Policy. I have been a victim of credit card fraud twice using the [redacted] card issued by Golden 1. My private and financial information was included in the data "hacks" which included [redacted],the U.S. Postal Service and [redacted]. I suspect that my information was release in the latest OPM "hack" because my retirement benefits are issued through OPM. The Privacy Statement states Golden 1 can share my information without my option to "opt-out" with "affiliated" and "non-affiliated" businesses and financial institutions. There is language included in section 7 of the Privacy Policy which refers to items (a), (b), (c), (d), (e), (f) and (g). There are no items identified by these letters anywhere in the Privacy Policy; they don't exist. I have had a half dozen Privacy noticies from various businesses I have accounts with and all of them give the option to "opt-out" by calling a telephone number or via U.S. Postal Service. I cannot pay my bills now and I am being barred from accessing on online biller accounts and contact information to request paper billing by them because of this "heavy handed" bullying by Golden 1. This is unethical and I believe illegal. Privacy Policies like this are almost always delivered in writing with an "opt-out" provision not by holding your account hostage or freezing the features of the account until you capitulate.Desired Settlement: I am demanding an immediate removal of the Privacy Policy and correction to their Privacy Policy and an "opt-out" provision and a releasing of access to my account.

Business

Response:

August 11, 2015 [redacted] Dear Mr. [redacted] Thank you for sharing your experience with us. The privacy policy presented to you through online banking on Sunday, August 9, 2015 (dated March 19, 2014) is not the current version of the Golden 1 Privacy Policy and was presented to you in error. The incorrect policy has been removed and you should now be able to access and make payments from your online banking account. Your privacy is important to Golden 1. Our current Privacy Policies (revised 07/15) can be found on our website at www.golden1.com/PrivacySecurity for members to review at any time. This page also provides information about how you can exercise your right to restrict the sharing of your personal and financial information. For your convenience, Golden 1 offers the ability to opt-out electronically. Simply visit [redacted] and click the California Privacy Act link at the bottom of the page. Then follow the instructions on the screen to submit your selection. Thank you for your many years of membership. We apologize for the inconvenience this has caused you and we appreciate being given the opportunity to correct the situation. Sincerely, [redacted]Vice President, Chief Technology OfficerGolden 1 Credit Union

Review: I have repeatedly tried to setup automatic payments everymonth since December 2014. I am dependent on these payments being setup because I am an active duty recruiter and spend 6 to 7 days a week and up to 16 hours a day at work. I have payments setup that transfer the money from my account to a savings account at Golden1 but they have continuosly failed to setup the payment. I can avoid this by manually entering the payment each month or calling each month but due to the hardships my service is causing on my personal life all I'm asking them to do is automatically debit the account to ensure they get their money. I have supplied an alternate cell phone number for my work that I answer 24/7 but they never call.Desired Settlement: Please call my cell phone: [redacted] so we can speak about setting up automatic payments.

Business

Response:

Dear [redacted],Thank you for taking the time to contact the Credit Union with concerns about your account. Membercomments such as yours allow us the opportunity to evaluate the level of service provided across theorganization.I am writing in response to your correspondence with the Revdex.com regarding yourrepeated attempt to set-up an automatic payment on your loan. Your correspondence was forwarded tothe credit union on July 22, 2015 for response and resolution.From your letter, we understand you want your loan payment to automatically be paid upon receipt ofthe transfer of deposited funds made to your savings account each month. Your request has beencompleted.We genuinely appreciate you taking the time to share your thoughts and concerns regarding youraccount. We strive to provide our members with quality service which includes providing products andservices that meet our members’ needs.If I may be of further assistance, please do not hesitate to contact me at [redacted], or email me at[redacted]

Review: My account was placed in chex systems due to the account being overdrawn because I was a victim of identity theft. I provided the bank with all the documentation and police reports and they still have refused to help me. It's 2 years later and the account is still in chex systems! I paid the balance in full (which I think is unfair since it was fraudulent activity on the account from the theif). I have contacted the bank numerous times and have given numerous requests for them to request I be removed from chex systems to no avail. The balance is paid in full and I would like then to have me removed from chex systems so that I can press forward with My life, because being on chex systems disables me from having any financial future with any bank.Desired Settlement: I would like to be removed from chex systems.

Business

Response:

November 25, 2015[redacted]Dear Ms. [redacted],I am writing in response to the complaint that you filed with the RevDex.com on November 13, 2015 regarding your ChexSystems record. There have been no changes in our position since

the response that we sent to you regarding your complaint filed with the

Department of Oversight on May 27, 2015. We have attached a copy of that response for your records.Sincerely,[redacted]Manager, Fraud ManagementEnclosures

Consumer

Response:

I am rejecting this response because: I was advised by a Golden 1 Member Services member that once I provided documentation that the balance was paid in full, they would request I be removed from Chex Systems due to error. Your calls are monitored and recorded so you will here the representative say that verbatim. Also, I was a victim of identity theft and provided documentation and that the transaction was fraudulent. Today I began the process to take legal action due to being in Chex System is a hinder on my financial future and causing me a lot of emotional turmoil and was promised by Golden 1 Member service agent that the matter would be resolved on numerous occassions. In Golden 1's response, they said they haven't changed their standpoint and have enclosed why, but the enclosure doesn't even state why, it just says they haven't changed their standpoint and doesn't provide an explanation as to why. (Which is typical for Golden 1 as they have failed to resolve the issue.)

Business

Response:

December 9, 2015

Dear Ms. [redacted],

I am writing in

response to the complaint you filed with the Revdex.com on December

4, 2015 regarding your Chexsystem record.

As

per our conversations, I have been able to get more information regarding your

case and the fact that you were a victim of identity theft and when

notifications were sent to you for additional verification or identification,

you had already moved and never received the notices.

As of the date of

this letter I have confirmed that a request to remove you from reporting has

been sent to Chexsystems.

If you have any

additional questions please contact the Manager of Fraud Management, [redacted].

Sincerely,

VP, Account Services

Consumer

Response:

I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

Review: Acct # [redacted] Went into the [redacted]

Te teller violated my HIPPA practically yelling my situation out loud where the people in line were looking at me and they knew my situation

They have a permanent hold in my account for the amount of $ 914.92 which I demands gets released!

I have an emergency where I need to utilize the money.

I need this money released. I will take care of the negative in a different matter they can not hold my IRS Internal Revenue Serv, money that was wired electronically in my account.Desired Settlement: I need this money released. I will take care of the negative in a different matter they can not hold my IRS Internal Revenue Serv, money that was wired electronically in my account.

Consumer

Response:

Hello,

Review: On September 15, 2014 I got 2 unauthorized transactions on my Golden One checking account:9/15/2014 Withdrawal POSWithdrawal at SQC[redacted] 0 [redacted] CA USNot Categorized-$100.00 9/15/2014 Withdrawal POSWithdrawal at SQC[redacted] 0 [redacted] CA USNot Categorized-$90.00The Visa Fraud Protection for Golden One contacted me and verified that these transactions were indeed fraudulent. The credited me back my money on Sept 22, 20149/22/2014 DepositChecking Deposit VCK PROV CRDT 15SEP14Not Categorized $90.009/22/2014 DepositChecking Deposit VCK PROV CRDT 15SEP14Not Categorized $100.00I was proud of my bank and relieved that it was resolved. Just recently the Visa Fraud Protection from Golden One took out that money AGAIN and said it was my charges when I know that it wasn't. 11/13/2014 WithdrawalDeposit correction REV PROV CRDT GIVEN 25SEP14Not Categorized-$90.0011/13/2014 WithdrawalDeposit correction REV PROV CRT GIVEN 25SEP14Not Categorized-$100.00Golden One gave me phone number that wasn't even legit and told me I had to attest those charges myself. They made me feel like a liar. And told me they couldn't credit me. I am so disappointed because I loved this bank. But this is unacceptable. Not only did I get scammed from some total stranger, but Golden One Credit Union scammed me for a total of $190. I can't even attest it because like I said, the number G1 gave me wasn't even legit.Such a disappointment...Desired Settlement: I would like a total of $190 credited back to me. If that is not possible (which Golden One Credit Union clearly said they would not do), then I would like to file a complaint on that bank.I would not like any other hard working citizen to be scammed for their money at Golden One Credit Union.Thank You- [redacted]

Consumer

Response:

I just want to say THANK YOU for responding so promptly to my complaint. It was the 1st time I've contacted you. Not only did I get my money back, but Golden One Credit Union called me & deeply apologized for the fraud charges and mistreatment from their customer service department.

Thanks to Revdex.com of Northern CA, I never closed out my account because justice was served.

Keep up the great work!

Business

Response:

November 21, 2014 [redacted] RE: Golden 1 Visa Check Card Dear [redacted], Your communication to the Revdex.com was forwarded to the Golden 1 for review and response. Thank you for taking the time to notify us of your concerns regarding the recent activity on your account. I’m sorry to hear the frustration you encountered while disputing these transactions. I apologize you did not receive the excellent service we strive for during every interaction. As stated in our phone conversation, the fraud charges in question were presented to Golden 1 by the merchant with documentation of the transaction record. A letter was sent to the address above on November 6, with copies of the transaction record for your review. After our discussion in response to information from the merchant, the charges for $100.00 and $90.00 were permanently credited to your account on 11/20/14. As your credit union, The Golden 1 values your membership and is dedicated to providing you with the highest level of quality and service. I sincerely appreciate you taking the time to let us know about this issue and allowing me the opportunity to discuss this situation with you. If you have questions regarding this letter, please contact me at 1-877-GOLDEN 1 x [redacted] (###-###-####). Sincerely, [redacted] Manager, Card Investigations

Review: Bought a car a month ago through [redacted] Chevy. Golden1 picked up the loan. Unfortunately the dealership filled out the credit application with the wrong information. Spoke to customer representative [redacted], she was no help whatsoever! I understand for security reasons you cannot provide information, but if I'm telling you there is an error at least have some common courtesy to help your customer out! It seemed as if she did not care whatsoever in order to help me out. Her tone of voice was poor. She transferred me to [redacted], she was a bit better but also just did not seem sympathetic. Bad customer service and shame on you! Why do I need to go out of my way to fix something that was out of my control!Desired Settlement: Better customer service!

Business

Response:

May 7, 2015 Francisco Bango [redacted]7115 Cedar Creek RoadCorona, CA 92880 Dear Mr. [redacted], Your recent comments to the Revdex.com have been forwarded to me for review and response. Member Comments such as yours allow us the opportunity to evaluate the level of service that is being provided across our organization. We apologize you were met with such difficulty when attempting to discuss your loan with representatives in our Contact Center. At Golden 1, the security of our members' accounts and information is of the utmost importance to us. Due to the heightened risk of identity theft, our employees are required to follow established protocols when identifying individuals over the phone. It is a constant balancing act to maintain security while providing excellent service. In situations where our employees are presented with a verification issue that is outside of standard guidelines, they are directed to obtain assistance before turning the caller away. I apologize that this did not occur during your calls into our Contact Center. Your comments have been provided to the Contact Center Management team so they are aware of the complications you encountered; additional training and coaching will be provided as needed. While researching this complaint, I came across another call that took place approximately 1 week prior to the calls referenced above. I found that the employee assisting you that day was able to determine the cause of the discrepancy and obtained approval to complete verification using alternate identifying questions. The individual assisting you that day sent out a new Application for Membership so that we may obtain accurate information on your account in order to prevent this issue from occurring in the future. When returning the completed and signed form, please be sure to enclose a photocopy of your valid ID. I have placed a note on your account to inform other representatives of the discrepancy to prevent additional issues while working to correct the information. Once again, thank you for bringing your concerns to our attention and we apologize for any frustration or inconvenience this situation has caused. We value your membership and look forward to exceeding your service expectations in the future. Sincerely, ~- Credit Union[redacted] I Channel AdministrationGolden 1 Credit UnionE [redacted]

Review: Had just log in to my online account with golden1 and checking my accounts when I noticed that a withdrawal for $224.00 was taken from my account. Of course, I thought my account was hacked into and I got into a panic. Tried to click on the withdrawal date and nothing. It was like they were trying to hide where the money went to. So I called the next day and found out that my godlen1 [redacted] card and taken the money out because I was late. when I spoke with a representative, I was told that they have the right to go into my account and take the payment because they said (according to their computer) they called my house, left a message on 5-20-2014 and because I didn't respond back within a few hours, they had the right to take the money from my account and it was legal. That when I opened my accounts and [redacted] card with them, I signed an agreement to this fact. I have been with golden1 for more then 25 years and never late on a payment of any kind to them. I was also told that by going into the bank and dealing with a teller was the wrong thing to do. Tellers don't always post what a customer says. By the way, that was the reason I was checking my account. To make last months payment and then in two weeks may payment and then two weeks later the june payment. At this point, I feel that I have been robbed by Golden1 and they are telling me, I can't do anything about it. Right now I need an answer to "Why can a bank just go into someone account and take what they want"?. A two hour phone call ( I got no notices saying I had until this date to pay) doesn't mean they should have access to my or anyone else account.Desired Settlement: I need for them to at least notify me when they are going to take money out of my account should I miss a payment again and not one call two hours before they took the money. They should have to notify me in writing and wait just like every other collection company. There shouldn't be different rules because I belong to a credit union.

Business

Response:

June 6th, 2014 [redacted] Re: Complaint Dear [redacted], I am in receipt of the complaint you filed through the Revdex.com on May 23, 2014 regarding your account. I have confirmed the account was past due and billing for a payment in the amount of $224.00, which was due April 22nd, 2014. Your last statement issued on April 25th, 2014 would have indicated that the account was in a past due status. It is our practice to attempt contact with you prior to debiting your account to resolve the past due status and to preserve your existing credit rating. On May 20th, your account reflected 24 days past due and we were unsuccessful at our attempt to reach you, therefore to bring your account current, the Credit Union applied the payment for you from funds available in your checking account. Your account agreement authorizes the Credit Union to “without further notice, apply any and all shares, payment, dividends and deposits to the payment of each obligation if I/we should default”. If you have any further questions in regards to this matter, please feel free to contact me directly at the number listed below. Sincerely, [redacted] Collections Manager Golden 1 Credit Union [redacted] or [redacted]

Business

Response:

June 6th, 2014 [redacted] Re: Complaint Dear [redacted], I am in receipt of the complaint you filed through the Revdex.com on May 23, 2014 regarding your account. I have confirmed the account was past due and billing for a payment in the amount of $224.00, which was due April 22nd, 2014. Your last statement issued on April 25th, 2014 would have indicated that the account was in a past due status. It is our practice to attempt contact with you prior to debiting your account to resolve the past due status and to preserve your existing credit rating. On May 20th, your account reflected 24 days past due and we were unsuccessful at our attempt to reach you, therefore to bring your account current, the Credit Union applied the payment for you from funds available in your checking account. Your account agreement authorizes the Credit Union to “without further notice, apply any and all shares, payment, dividends and deposits to the payment of each obligation if I/we should default”. If you have any further questions in regards to this matter, please feel free to contact me directly at the number listed below. Sincerely, [redacted] Collections Manager Golden 1 Credit Union [redacted] or [redacted]

Review: Being charged overdrafts though I have available balance in bank account

Golden 1 places a hold on all deposited checks that are over $300. I deposited a $350 check, they held $150, and now they are charging me overdrafts for payments that went through, and they are telling me I have to pay for "not having the money in my account" though I do have it....they placed it on a "HOLD". And now I'm on hold....I've been on hold for over thirty minutes. No one will speak to me.Desired Settlement: I want my $150.00 paid back to me!!!!!!! It's MY MONEY give it back please.

Business

Response:

Initial Business Response

Dear [redacted],

Thank you for taking the time to contact the credit union with concerns about a recent deposit hold. Member comments such as yours allow us the opportunity to evaluate the level of service provided across the organization. I am sincerely sorry for the difficulties you experienced due to this hold.

I have reviewed your account history and discovered that the deposit was made at an ATM on Fig Garden Drive. Financial Institutions are bound by federal regulations regarding check holds. We do our best to provide the most positive service possible while complying with required regulations and the safety of member funds. All deposits placed in an ATM are automatically held for two business days with the first $200 of the day's total deposits being made available for immediate withdrawal. This hold provides us the time necessary to process the deposited items. There are several notices on the machine, the deposit envelope and the receipt to notify depositors of our hold policy.

I understand you were able to speak to a representative in our Contact Center and they were able to reverse the two fees you were charged due to the hold as well as inform you of our hold policy. Unfortunately the day you phoned the Contact Center was the day after a holiday and they were experiencing a high call volume due to the Columbus Day holiday.

Once again I apologize for any inconvenience this may have caused you. We value your membership and look forward to exceeding your service expectations in future interactions.

Sincerely,

Retail Administration Department Vice President

Golden 1 Credit Union

[redacted]@golden1.com

Review: It is my belief that Golden 1 has violated several California laws/ regulations and the Fair Credit Report Act. I allege the following:

1. Golden 1 failed to provide adequate written notice of intent to dispose of a repossessed or surrendered motor vehicle.

2. Golden 1 failed to provide adequate notification of my right to redeem the vehicle and related information regarding payments and personal property.

3. Golden 1 failed to provide notice of my liability of deficiency in the event proceeds from a disposal were insufficient to pay the contract balance owed.

4. Golden 1 acted in a commercially irresponsible manner regarding the disposal of a motor vehicle.

5. Golden 1 has reported incorrect data on my consumer credit reports thus violating the FCRA.

---------------------

It is my belief that I am no longer liable for the deficiency balance because of the aforementioned. Golden 1 has acted in a manner with suggests they have obvious disregard for their customer, the consumer. In addition I believe Golden 1 Credit Union has a disregard for the laws and regulations governing the State of California. As such this issue was also filed with the Consumer Financial Protection Bureau, Pending California Attorney General. CFPB Case [redacted].Desired Settlement: It is my belief that I may be entitled to damages if I elect to pursue the matter via a civil filing. However, I only want to end my relationship with Golden 1 completely.

1. I request that Golden 1 delete the entire trade line/ trade line history from my consumer credit reports. Deleting a trade line as a result of inaccurate data is permitted and warranted. 2. I request documentation from Golden 1 stating they have released my liability regarding the above account.

Business

Response:

We received your complaint letter dated April 6, 2016 regarding the repossession and sale of your 2007 [redacted] Patriot. Your letter makes the following allegations: Golden 1 failed to provide adequate written notice of intent to dispose of a motor vehicle.Golden 1 failed to provide adequate notification of your right to redeem the vehicle.Golden 1 failed to provide written notice that you would be responsible for any remaining deficiency balance after the sale of the vehicle.Golden 1 acted in a commercially irresponsible manner regarding the sale of your vehicle.Golden 1 incorrectly reported your account date to the credit bureaus. Our records indicate on December 17, 2013 you spoke to a representative to arrange the voluntary surrender of your vehicle. The notes state we discussed the deficiency balance process and informed you that you would be responsible for any remaining balance after the auction sale of your vehicle. On January 1, 2014 your vehicle was voluntarily surrendered to Golden 1. On January 3, 2014 a Notice of Intent to Sell Property (NOITS) was sent to the address on your account via registered mail (enclosed). You signed for the NOITS. The NOITS clearly provided notice that: 1) Golden 1 intended to sell your vehicle; 2) you had a right to redeem prior to the sale deadline; 3) you would be responsible for any remaining deficiency amount. On January 28, 2014, your vehicle was sold at an auction in a responsible manner. When you purchased your vehicle it had 51,000 miles and [redacted] value was $16,052; more than your loan amount of $15,034.52. Your car was sold at auction with 149,572 miles. The wholesale value of your car at auction was $3,775, but the final sales price obtained was $5,100, which was applied against your outstanding amounts owed. On March, 12 2014, Golden 1 mailed to you a deficiency balance letter (enclosed) that itemized the sale of your vehicle and how proceeds were applied to you loan balance. You are still responsible for the deficiency balance of the vehicle consists of $7,784 in principal, as well as $161 interest and $530 in repossession costs. Golden 1 verified your account is being reported correctly to the credit bureaus. Further, the credit union is required to report accurately to the credit bureaus, so it cannot delete the trade line as requested. The handling of your account is consistent with our policies and all regulatory requirements. If I may be of any further assistance, please do not hesitate to contact me. Sincerely,[redacted]Manager Member Care SupportGolden 1 Credit Union[redacted]

Consumer

Response:

I am writing you today regarding an ongoing dispute involving a previous loan. As I am sure you are aware, I have brought about concerns and disputes via several channels. I have received your response, dated April 13th. In response to the information you provide I insist the following: 1. The Notice of Intent to Sell Property was not received by me nor did I sign for it. If your records have evidence it was sent, it certainly wasn’t signed for or accepted by me. Perhaps it was signed for by a relative. I have seen this happen before but for future reference, I live in Elk Grove, California not Galt, California. 2. I did not receive the deficiency letter in which you make reference to. 3. I still insist the credit reporting is inaccurate. Ultimately, I suspect Golden 1 will continue to insist they proceeded responsibly and I will insist they handled it irresponsibly which does not bring a resolution to the matter. A resolution is ultimately what I seek. It is my intention to find a resolution to this whether it be with Golden 1 directly, with the assistance of involving more outside agencies, taking to social media or via litigating it. I think handling the matter privately is advantageous for the both of us in terms of time and cost. The Statute of Limitations to collect the balance in question is running down – in the event I am sued I will certainly respond. No default judgement would be acquired here. Furthermore, if a judgement was obtained – I have no wages to garnish, no assets to lien and no active accounts to levy (feel free to check public records). In the event I did acquire assets in the future, Golden 1 would likely take position behind other creditors who are also seeking repayment. In this case because of my finances, I would be forced to file bankruptcy due to my lack of ability to repay. My outstanding balances in default are in the six figures and I have another vehicle deficiency that is triple the balance of the one at Golden 1 (1 of more than 30 accounts in default). I am fully aware of the direction furnishers have been provided regarding deleting accurate trade lines and I am familiar with the many stages of disputes. I think by this point it might be clear I am not a typical consumer. I am adamant that Golden 1 is not reporting correctly and I would greatly prefer to avoid the daunting, expensive and disgustingly slow process of suing Golden 1 to prove that. I am currently already litigating matters similar to these as a defendant (feel free to check public records). Please consider the following request. Would Golden 1 settle the account for 30% of the total balance owed in exchange for considering the account fully resolved and agree to delete the trade line in full from all my credit reports as part of such a settlement? My request is far different than the sought-after “pay for delete” agreement as I am actually requesting inaccurate information be deleted for settlement. If Golden 1 has concerns about the deletion they should be able to reference that I have filed multiple credit disputes and have involved five agencies. With that said, I think it is quite obvious that inaccurate data may exist and that a deletion and settling the account would be a good business decision. I believe Golden 1 would likely be ordered to compensate me for their errors if we presented this as a case, so I feel an offer of compensation from me to Golden 1 is more than fair and equitable. The case numbers for my filings with the five agencies I reference are below. Thank you for your time. Sincerely, [redacted]

Business

Response:

We received your rebuttal letter dated April 18, 2016 which included your request to settle the deficiency balance for 30% and delete the trade line regarding the repossession and sale of your 2007 [redacted] Patriot. Your claim the Notice of Intent to Sell (NOITS) was not received by you because you live in Elk Grove and it was mailed to an address in Galt. The NOITS was mailed to the same post office box address in Galt that you listed as your mailing address on your loan application. The signature of the certified return receipt matches your signature that you submitted with your Revdex.com complaint. As previously stated in our last communication April 15, 2016, the NOITS clearly provided notice that” 1) Golden 1 intended to sell your vehicle, 2) you had a right to redeem prior to the sale deadline and 3) you would be responsible for any remaining deficiency amount. Golden 1 certified your account is being reported correctly to the credit bureaus. Further, the credit union is required to report accurately to the credit bureaus, so it cannot delete the trade line as requested. Golden 1 is willing to accept your offer to settle the deficiency balance of $8,475 for 30% or $2,542.50. This amount must be received by May 6, 2016. Once payment is received and posted to the amount, we will update the trade line to reflect a settlement on the amount.The handling of your account is consistent with our policies and all regulatory requirements, if I may be of any further, please do not hesitate to contact me. Sincerely, [redacted]Manager Member Care SupportGolden 1 Credit Union[redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

Review: On 2/12/15 I started refinance process & have been put through a terrible experience resulting in a HUGE FINANCIAL NEGATIVE IMPACT. Specifically, I contacted G1 to inquire on refinancing some properties. [redacted] called me & set up a meeting at local branch. He gave me a list of docs to bring. On 3/13/15 I met with [redacted] at the branch & gave him all of the requested docs/information.On 2/16/15 I emailed [redacted] to ask if he had quotes ready. He replied property [redacted] was complete & would be 3.125% for a 15 yr loan & 3.75% for a 30 loan, both with no points. He said the other properties would be the same. I told him I wanted to lock in the 3.125% 15 yr loans.On 2/17/15 I told [redacted] to move forward. He replied he needed to add all of the 4 properties to the application.Next 2 weeks, [redacted] requested more docs which I immediately provided.On 3/10/15 I asked [redacted] why I had not seen docs for the other 3 properties. [redacted] replied he wanted to wait for the rate to come down. I got very concerned & contacted [redacted] to complain.On 3/13/15 I contacted [redacted] to complain about [redacted]'s lack of progress. This is where I learned that [redacted] had not started processing the 3 other loans & in fact [redacted] had not locked in the interest rate at 3.125% for a 15 yr loan for any property as I had specifically requested. [redacted] also informed me that now the interest rates were at 3.5% for a 15 yr loan. I expressed my disagreeing with this as it was not my fault. [redacted] assured me he would make it right once the loans were approved. I request [redacted] removed from my loans.On 3/17/15 [redacted] assigned [redacted] to take charge of the loans. [redacted] & [redacted] also got involved. I am requested to provide all documents again. I immediately do.3 more months of G1 delays & on 6/23/15 [redacted] sends this;#1-3.25%+$4534 in points#2-3.25%+$2430 in points#3-3.25%+$5750 in points#4-3.25%+$5167 in pointsAlmost $18,000 in extra points charged to me for G1's fault & HIGHER RATE. Why? Its not my fault.Desired Settlement: I request Golden 1 to make it right an honor the loan terms I should have got if [redacted] and [redacted] would have just done their job. The interest rate should have been locked for all 4 properties at 3.125% for 15 yr loans with no points. The processing of these loans should have only taken up to 30 days. The delays were at no fault of mine. [redacted], and [redacted] all admit that this situation was caused by internal Golden 1 issues. Why do I have to pay for their mistakes.HONESTY.

Business

Response:

Dear Mr. [redacted], We are in receipt of your complaint filed with the Revdex.com (Revdex.com) related to your experience with the four (4) current loans you have in process with our Home Loans Division. After careful review of the documents you provided along with your comments, we have decided to honor the original rate quotes you represented that were given to you by our Home Loan Advisor in March of this year. For clarity, the following is what has been approved:Loan [redacted]: 3.25% with 0 points. All of the standard closing costs still apply. You will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loan.Loan [redacted]: 3.25% with 0 points. All of the standard closing costs still apply. You will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loan. Loan [redacted]: 3.25% with 0 points. All of the standard closing costs still apply. You will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loan.Loan [redacted]: 3.25% with 0 points. All of the standard closing costs still apply. You will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loan.Should you have any additional concerns, please do not hesitate to address them directly with me. We sincerely hope this resolves any concerns you have with our organization, thank you for giving us the opportunity to correct them to your satisfaction.

Review: According to my Transunion Credit report Golden One is still reporting a car loan which was supposed to be paid off by the insurance after the car was totaled in an accident. Date loan was opened was 06/08/2006. This is an issue because I cannot get approved for credit anywhere. I have just got married less than a year and have a baby now. If the insurance paid off the balance owed on the car, this should not be reported and I view it as unfair and unacceptable. If I need to take additional steps to have this removed from my credit files from all 3 reporting agencies, I will do so against golden One. GOLDEN 1 CU #[redacted]Desired Settlement: Please remove this credit degrading information from all 3 reporting agencies. Thank You.

Business

Response:

Need Last four of VIN or additional information.