IThink Financial Reviews (%countItem)
IThink Financial Rating
Address: 790 Park of Commerce Blvd., Boca Raton, Florida, United States, 33487
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+1 (561) 226-5415 +1 (561) 226-5433 +1 (561) 226-5418 +1 (561) 989-3023 +1 (772) 344-8682 +1 (561) 681-6278 |
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Denying an appropriate dispute freezing my credit card for no reason when put money on the acct is current to pay a bill resulting in 100.00 late fee 224.00 in fees from the appropriate legitimate dispute being harsh eit on phone the reps I fell tho is in retaliation for past complaints
Refund 224.00 fees took when taken advantage by Uber they abused my credit card info charging an acct without permission the credit union knows I put money on another card 2x to avoid such an issue. They profited off me from Ubers misuse
Dear Ms.:
After reviewing your complaint and internal records, it appears that due to derogatory communications with Credit Union staff, your credit card, debit card and checking account were closed as of January 31, 2020. Further, a letter detailing these actions was just recently mailed to you. Please contact the Credit Union if you have any further questions.
(The consumer indicated he/she DID NOT accept the response from the business.)
I admit I lashed out after what they did they were WRONG to take my money like that an deny A LEGITIMATE DISPUTE it is CLEAR from my account what the vendor *** did I had put money on my visa for uber to charge not an acct already in the red like that. I did not get derogatory until IBE SEC STAF. BELITTLED ME PATRONIZED ME AN COMPLETELY IGNORED MY GETTING UPSET TELLING ME ALMOST I DHOUULD HAVE KNOE BETTER BECAUSE SOMEONE ABUSED THE FACT THEY HAD ACCESS TO MY ACCOUNT THEN A REP WAS QUESTIONING ME ON JAN 39 AS TO WHY I WAS USING MY CREDIT CARD TO PAY A BILL DUH BECAUSE OF THIS SITUATION I SM INABLE TO PAY MY RENT THEY TOOK AND HELD SOME SOC Sec disability benefits and payroll monies to make money for themselves unethically I needed to pay my rent and utilities they knew I jus came off a 5 month disability in which I was not getting paid they kicked me in my head when I was down and struggling they are not reporting WHY I lashed out they are wrong to do what they did they held and took money when my credit card did not have a payment due all because I hurt someone ego I'm not making excuse for what I did they need explain why denied my dispute my credit union in Ohio would have NEVER DONE THIS THE HAVE ALL DOCUMENTATION. PPL DONT JUST LASH OUT FOR NO REASON I CANT PSY MY RENT AND I OWE PPL 200.00 IN LATE FEES BEHIND THEM AND THEY STOLE 96.00 AND 224.00 from me read their reviews on line they DO THIS TO OTHER PPL THAT HAD ACCOUNTS with THEM you complain rightfully the steal your money and close your account I'm mad as ***.
The Credit Union considers this matter closed. Please contact the Credit Union if you have any further questions.
(The consumer indicated he/she DID NOT accept the response from the business.)
I was referred to a ***'s never responded they closed my acvt because I filed for protective activity and put others on notice what they did. Denied a legitimate dispute. This how all this started I admit getting irate admit your wrong staff spoke to me inappropriately AFTER took my money. Check the reviews they've done EXACTLY what did to me to others. They aren't communicating with me I recd no letter against my better judgement they now have leverage but not taking responsibility the entire situation my right be angry what responsiblity does their staff take. They took my money cause I was Black they denied my dispute cause*** can I get THIS in writing. They present as a *** tha n teller and they steal and took advantage of what a vendor *** did to me. SMH
This is one of the worst credit unions when it comes to customer service. I needed help accessing my online account, the rep asked me a bunch of personal questions and the tells me she isn't able to help. After two more calls of this I finally ask for a supervisor. I get put on hold for 20 minutes and then hung up on, I called back and again asked for a supervisor was put on hold for 10 minutes and then told by the rep she can't get a hold of a supervisor which is nonsense. I will be canceling my account today. This is the worst financial institution I have dealt with. Navy Federal is 100 times better than this place.
I had the absolute WORST experience with IBMSECU phone-in customer service. I thought for a minute I was talking with Comcast as the level of service was just as horrible if not worse. As a financial institution it is NOT ok to withhold info just because someone forgot an automated phone password or detailed info on an account they didn't even recall having. I had a car loan through IBMSECU that I paid in full way ahead of schedule a long time ago and I just received a letter in the mail stating I had an account still open, so naturally I call in to get more info about this account as I thought it was closed. Turns out the customer care center really gets a kick out of making your day a horrible one, because they stated they could not verify me even though I gave them all the info they required including year, make, and model of my vehicle. I did give them info on a previous car I thought I financed through them due to lack of memory and my house being under construction and all my files being covered in plastic due to painters in my house. But I did verify my identity and gave them the info about the car I financed, but still because I gave one piece of wrong info, *** made my day a living *** while I was going through one of the most stressful points of my life with home construction and living out of a hotel with everything in disarray. I was extremely reasonable and tried to even call back in to get another customer care rep. I verified my identity the second time and remembered my automated phone pin, but *** teamed up with *** to bully me on the phone and refused to provide me with info on my own account EVEN though I verified my identity. She stated after consulting with *** and failing to answer one of his many questions properly that she could not help me. From the beginning their tone and demeanor on the phone was condescending and they seemed to joy in my frustration and would not bend to reason. They are horrible examples of customer service, have NO thought for the customer at all. They seemed very shady in their dealings with me and were literally only a few minutes away from being reported to the police and would have been the center of a police investigation IF their manager did not call to clarify everything and clear everything up. You can tell he was trained and well versed in dealing with customers, but I just wish he knew how to train his employees, because man his department is an embarrassment to the rest of this team of employees that work for IBM SECU. Remember, your customer representatives are the face to your company and should treat customers with white gloves, because you lost a valuable customer with LOTS of potential as I plan to become a property investor next year and purchase a new vehicle every three years, so this relationship would have added value to your portfolio, but now I will NEVER do business with such a shady company and suggest to all of you to do the same. They do not understand best practices and even delight in your misfortune and frustration. You get a 0 star rating from me and my family. Don't believe me go listen to the recording and BTW, by law you are supposed to disclose that you are recording before we start our conversation, maybe you should do that next time so you are not BREAKING THE LAW. You are lucky I don't report you to the Revdex.com for these practices.
I had a 30 year mortgage on my home and one other loan. I have been working with a supervisor to understand everything I owe with the intention of paying off the mortgage this year. The agreement was that I pay off the mortgage first, then the smaller loan. For some strange reason the small loan does not appear anywhere on line or in my statements, but I was not too concerned. Today I was excited to make the last payment, but when I did, the mortgage balance did not go to zero. It said "unapplied payment". I called and emailed then finally got through to the superviser who had been helping me. She said the last payment could not be applied because I owed another $20,000. I believe this is just one more of several errors the credit union has made on my account.
You should really consider hiring people who know how to treat customers and stop stealing people's money! There customer service is reprehensible!
The managers name is *** pm on 4/1 needs to be reprimanded and retrained!
I want my money back!
See attached file
April 17, 2019
***, ***
*** County Route *** Apt 7
Hudson, NY XXXXX
RE: Revdex.com Complaint Case #XXXXXXXX
Dear Mr.:
As your Credit Union, please know that we value your membership and strive to meet and exceed our Member's expectations. We apologize that you were not satisfied with the service provided to you through our Contact Center. The Contact Center Manager is addressing the service issue with appropriate staff, and as a courtesy, the Overdraft Privilege fee assessed for the processing of the Netflix charge has been refunded.
When you provided Netflix with your debit card information and authorized them to debit your account, their process was initiated. Although you may have cancelled the service, it may not have been cancelled within sufficient time to stop the debit from being processed. The credit union is unable to stop a transaction from being processed once it is authorized. When the Netflix charge was presented, there were not sufficient funds to cover it, therefore Overdraft Privilege was accessed and added to your balance of $4.14 to pay the charge and the associated $32.00 fee was assessed. To dispute the transaction, you should first contact Netflix to attempt to resolve the issue through them. In the event you are not able to resolve the issue with Netflix, the credit union can dispute the transaction on your behalf in an attempt to get the funds reimbursed to your account.
Should you have any questions or wish to discuss this further, please feel free to contact us. Thank you.
Sincerely,
***
Risk Management Specialist
Phones....XXX-XXX-XXXX x(XXXX)
Direct....XXX-XXX-XXXX
FAX.......XXX-XXX-XXXX
***@ibmsecu.org
This credit union gave me a loan for my dream car and with in a few days late of making a payment they repossessed the car and called my loan off.
I had a boyfriend at the time help co-sign on my car. He held all of my documents to the loan. *** broke up I reached out to the banker whom I received the loan from about details. I knew they payment was due but I was unsure if exact date. He emailed to send it through the mail. I intended to make the payment for the car. They repossessed my vechicle. They will not alllow me to pay the one payment due. I expressed I wanted to make it current and also pay 6 months upfront. I was never given a notice of default. I was never called. Not emailed or sent mail. They simply took my car with out any notice or expressed any concern. I have tried to reason with the institution. They only will allow me to get my car if it's paid in full. They have called off my loan for not even being a month late. I'm saddened and heartbroken that they are putting a repossession on my credit hindering me to make any success advances in life. They would not work with me at all. Given I told them I wished to make current and pay half of the year. I also claimed to never of heard of anyone being repossessed not even a month late on a car payment. I'm so distraught as this is my livihood and means to make money and live
I would really appreciate if the loan can be repaired. I want to be able to have a life and have my car. I am worried about the repossession on my future credit. I would hope I could still use the loan. They gave me the option to pay in full but I can't satisfy that at the moment. I would like to work this out amicably.
Dear Ms.: Unfortunately, if your account went into default, then the credit union can repossess your vehicle. At this point, if there are any additional concerns or questions, please contact our Collections Department directly. Thank you
From: ***
Date: Thu, Feb 21, 2019 at 6:53 PM
Subject: Re: Revdex.com Complaint Case# 90482507 (Ref#XXX-XXXXXXX-XXXXXXXX-X-XXX)
To: ***
Hi I also wanted to mention the bank not responding or returning phone calls to the dealer who was helping my case with the vehicle. They wanted their money fully from the loan but did not respond to anyone from my party.
Dear Ms.: to reiterate, given the default on your loan, the Credit Union was within its rights to repossess the collateral. If you have questions regarding any of this, please contact our Collections Department directly. Thank you
Ludicrous Bank Fee charges!
Checking acct XXXXXXXXXXXXX
Overdraft fees :
1/2/19 4 x $32
1/3. 1x32
1/29. 4x32
I made a purchase online 1/2 and accidentally forgot to change my card on record with merchant.
Because I had all these fees charged I was getting moire fees...fees for fees! Something needs to be done about this!
I closed my account with Wells Fargo, because I thought credit unions were suppose to be better, but I have to say you are worse! If a deposit is made in the same day as a payment, you should not be charging fees, and you are charging fees on top of fees, not to mention a $32 fee for a $5 transaction! WTF?
Dear Ms.: As your Credit Union, please know that *** value your membership and strive to meet and exceed our Member's expectations. After reviewing your complaint, it appears that the fees that were applied to your account were done so correctly and accurately. You opted in for overdraft protection on your debit card purchases, and as a result, the Credit Union will approve authorizations and process transactions up to your allowable limit - subject to fees. Regarding your January 2nd purchase, the authorization came through December 31st, which froze the associated amount in your checking account until it was then processed on the 2nd - and this a standard VISA practice to ensure funds are available when submitted for payment. Subsequently, a number of transactions came through that had to be paid using your overdraft privilege, and associated fees were applied per transaction. Also, the $32 fee you reference was not for the $5 check (check #1446), but rather the Capital One online payment for $155.51. Finally, you did make a large personal check deposit, and while it cleared up your overdraft privilege balance, $4,500 of that deposit was put on a 2-day hold, resulting in further usage of the overdraft program, until the funds became available. *** apologize for any confusion, and should you wish to discuss this further, please contact me at 1.800.873.5100 or 561.982.4700, ext. 4710. Thank you. - ***, Director, ERM & Compliance
(The consumer indicated he/she DID NOT accept the response from the business.)
The entire banking industry is corrupt, making the poor, poorer while lining the pockets of CEO's! That's ok...karma's a ***.
IBM Credit Union Management has not responded to previous concerns about the handlings of the fraud on my account that occurred on 10-3-18.
On Oct 3, 2018, 11:00am, I was sent an request from my work email, what I thought was my CEO of the company, unaware this was a phishing email scam. I responded and complied to the request from the email to purchase items from target 10-3-18 @ 1:00pm, and I would be reimbursed. When I figured out this was fraud I took the immediate steps to the IBM Credit Union to let them know I was a victim of fraud. I provided police reports and multiple documents to support the fraud and all I received was a generic letter from IBM credit union about the fraud investigation. I did a survey of my experience by IBM CU and a lady name *** called me back about on 10-24-18, talked to *** she said she would call me back on 10-30-18 to see what she can do. Did not hear back from her until 11-12-18 after my calls to her and she was very vague and offered no help. This is when I asked to speak to a higher management and she sent the request to ***, I never heard from *** until I sent an online message to CEO for help with the fraud. 12-3-18 got a voicemail from *** and to date she has not returned my phone calls. I need an answer to my concerns and more information on their fraud investigation what was done to help me get my money back and more importantly they should have made contact within 24 hours as their notice said. Their fraud investigation took 15 days in the form of a letter by mail. I am seeking assistance and help.
I am trying to resolve the fraud on my account, the type of fraud was caused from a phishing email generated from my work email on 10/3/2018. I loss $1000 dollars, I provided a police report and backup documentation of the fraud and I am not getting any responses from two messages I sent online to the CEO, got one voicemail from a *** on 10-3-18. *** has not responded back from my 10-3-18 voicemail. I don't understand the generic fraud letter IBM credit union sent and I don't understand why this has take nearly 3 months to get an answer from management to explain what I can do to recover any money in this fraud issue. I was a victim of email fraud and was unaware that I was being defrauded. A response from their investigation and to speak with visa fraud team to see how I can get the fraud reversed in full ($1,000) back to my account
Dear Ms.: As your Credit Union, please know that we value your membership and strive to meet and exceed our Member's expectations. After reviewing your complaint, because you made legitimate and authorized gift card purchases, the Credit Union has no recourse under Visa Regulations, and as a result, there is nothing further the Credit Union can do to assist. Should you have any other concerns or want to discuss this further, please feel free to contact us. Thank you.
(The consumer indicated he/she DID NOT accept the response from the business.)
Apparently, The IBM Credit Union does not understand or know the definition of
what Phishing Email Fraud/Scams are and how someone is defrauded in these matters.
As I have explained this to them multiple times. This was fraud no matter how it is justified by their comments. IBM Credit Union did not investigate this properly and the findings are wrong from them. They did not even look at any of my evidence of proof that backups the fraud. Sending a generic letter is unacceptable. Please send me the exact regulations on this issue that is being referenced in your comments about visa. I have asked this multiple times. Additionally, I do not accept the response from IBM Credit Union.
Revdex.com, in the event, I cannot get this information can you please close this report, but have it reported that IBM Credit Union has been extremely non-responsive, poor customer and did not provide any documentation or proof that supports their findings.
Dear Ms.: We understand that you experienced fraud through a phishing scheme, and this issue was incorporated into our review and responses to you. We are sorry that you experienced this fraud, however, based on the circumstances, there is nothing further that the Credit Union can do at this time. Should you wish to discuss this further, please contact us.
(The consumer indicated he/she DID NOT accept the response from the business.)
This response is unsubstantiated and I do not accept their response. A fraud occurred and the only type of response from them was a vague letter with no supporting documents. I have lost respect and confidence in this bank and I will be closing my account due to poor customer service. Thank you.
Rude employee needs to be reprimanded or let go!!!
My family and I live in Costa Rica. We depend on money that is owed me from my 33 years working for IBM in New York and Florida. We have two young daughters in school and depend on the prompt monthly delivery of our funds to various banks and the IBM Credit Union in Boca Raton, Florida. We depend on the prompt delivery of all the funds in order to pay for living expenses and the very important schooling of our two girls. My wife called the IBM Federal Employees Credit Union to try and find out why my I could not withdraw money with my IBM credit card which I do often and have for the last 49 years. I was answered by a man who started to tell me that my card was blocked and I could not withdraw funds from that account because it was blocked. My wife had called early in the month to stop a certain withdraw because she did not recognize the person that was withdrawing the money. Later she found that the best way was just to stop dealing with that company. She connected with IBMECU in Florida to ask them to please release the funds as it does not need to be blocked anymore. She was informed by a very rude man at the IBMECU that they/he had already disabled the card and sent a new on to an address, that we know, in Florida. We never asked to change cards or receive a new on and we have the email to prove it. This clerk, or whatever he is, started to become rude on the phone with my wife at which time I took the phone and informed him that I am *** and it is my card that is in question. I was not angry. I just wanted to know why he did that and asked a few questions. He then asked me to wait a minute to which I said OK. I waited foe at least 10 minutes at which time my phone ran out of money. It was a cell phone. I know he had our number but he never called back. This is the second time in all my 33 years with the IBM Federal Employees Credit Union that I / we were treated badly. This money was important to pay for my girls monthly school bill. Do these type of people think this is a joke???
I am an American citizen and a U.S. Navy veteran. I am also a retired IBM East Fishkill employee. I, my wife and family or anyone else does not deserve to be treated like that and I want something done about it. I do not know the name of the man that treated us this way, (I was about to ask) but I do know that he worked for the IBM Federal Employees Credit Union in Boca Raton Florida. Please inform me if you need more information. As it stands now we are waiting for my card to arrive here in Costa Rica, but we are already late on that school payment.
Thank you for your help.
Do what you think is best. If this is the way he is, he should be reprimanded or let go.
Dear Mr.: First, we apologize for any inconveniences you may have experienced. Please know that we value your membership with IBMSECU and strive to meet and exceed our Member's expectations. After reviewing your complaint, it appears there was some misunderstanding and miscommunication, but this has since been clarified and resolved. Should you have any other concerns or want to discuss this further, please feel free to contact us. Thank you.
I have belonged to four other credit unions; I still belong to three others. IBMSECU is by far the worst credit union I've belonged to. I will be closing my account shortly. The fees more numerable and higher than my other credit unions. The customer service is far below average and right up their with contacting Comcast or AT&T that is, if you call, you can only talk to someone at a call center. You cannot reach someone at a branch, nor any executives or their assistants. They clearly don't want to hear complaints (or even praise). You cannot set up an appointment at a branch. No matter what they claim, their systems and behaviors demonstrate that they embrace the "customer DIS-service" model that the credit union and their employees are far more important that customers/members. Finally, service at the counter (at least the Boynton Beach branch) is slow as molasses; this may be due to their systems, but customers suffer and nobody gives a rip.
value input from our members and apologize that your service experience didn't meet your expectations. IBMSECU conducts regular reviews of market pricing for products and services, and although we never claim to have the lowest fees or rates, we want to ensure a better value than what members can find at traditional banks.