Landings Credit Union Reviews (%countItem)
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Landings Credit Union Rating
Description: Credit Unions, Loans, Loans - Small Business, Consumer Finance & Loan Companies, Mortgage Brokers, Financial Services, Financing Consultants, Credit Cards & Plans
Address: 4850 W Chandler Blvd, Chandler, Arizona, United States, 85226-7933
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+1 (480) 966-3026 +1 (480) 968-3020 |
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My husband and I filed Bankrupcty in 2012 so it has been 7 yrs that it has been discharged. One account we had discharged was at Landings Credit Union. We do have another loan on that account that we are paying off and did not discharged. Now since we did discharge the smaller of the two accounts the bank within the last coulple of months cut off our online access to the remaining account. Last month I called they informed statements would be mailed out on the account. Yesterday I talked to a *** who informed they would not be mailing any statements oMy husband and I filed Bankrupcty in 2012 so it has been 7 yrs that it has been discharged. One account we had discharged was at Landings Credit Union. We do have another loan on that accound that we are paying off and did not discharged. Now since we did discharge the smaller of the two the bank within the last coulple of months cut off our online access to the remaining account. Last month I called they informed me several times that statements would be mailed out on the account. Yesterday I talked to a *** who informed they would not be mailing any statements out but I would have to come in and get them. Which is not something easy as we live over 50 miles from them.
Tell us why here... I spoke with Mrs. and apologized for the confusion. I advised that in 2014 she submitted a written request for online access. The request was reviewed and approved by the AVP of Risk Management, so she should be able to access the account online. No statements will be generated because the debt was not reaffirmed through the court, but she can review the account information. I did advise Mrs. that she would receive the 1098 tax form in the mail.
I also advised Mrs. that our online platform had just changed a couple of months ago and that may have been why she could not log in. I walked her through the log in process and she was able to access the account online.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards
Terrible bank. Take actions without informing customers even yrs later. We charged off an account back in 2012 but still paying on another loan with them. This year after Oct. they refused access to online loan account because of charge off. Emailed me in Oct 2019 to view statement online but not cannot do so since it is closed out. I was told I would have to call to get bal. OMG No wonder they have bad review on Yelp. I have had problems with their loan officer who is very judgemental about clients. I would suggest anyone take their money an run as fast as you can from them. We did bank with them a long time until this issue and their change in their name.
Mr.:
I apologize for any confusion regarding access to your account. We would like the opportunity to better explain the situation. Please contact us at 480-967-9475 or stop by one of our branches.
Thank you.
Quick reply to my complaint. But it still is no help that I have to call to get bank balance or wait for statements that I only get every quarter. I can't even use telephone banking.
Who do I talk too as I already talk to several people over there?
I received another email from docugen regarding getting statements online. Which I cannot do so as I do not have access to my online account. Being it is over 8 yr since we filed Bankrupcy I would figure this issue would me mute at this point. What a way to run a company!
I have moved from AZ to OR and I’m needing to register my vehicle in OR now. I have a lien placed in my vehicle title from Landing’s Credit Union from financial issues years ago. After going to the DMV in Oregon twice to try to register it, I am told I need to receive something from Landings saying the vehicle doesn’t have a free title as they are a lie holder. After contacting Landings, they told me to tell the DMV to contact them. I told them the DMV told me they won’t and Landings refuses to help me. I have to register my vehicle within 2 weeks or face fines. After leaving the DMV a third time today, I am still unable to have anyone willing to contact the bank in AZ for the necessary paperwork. Landings has been rude and refuses to help me.
This does not resolve the issue that I am having with Landings Credit Union. I am well aware they are a lien holder on the 2003 Chevy Tahoe. Also, I have not asked to have the lien removed. I am only requesting that they submit a title showing they are the lien holder of said vehicle so I can register it in the state of Oregon now. I am not located in Arizona, where Landings Credit Union is. The Oregon DMV will NOT allow me to register it without this information. Landings has been unwilling to help resolve this issue with me. The credit union stated to me over the phone that I need to go to the DMV here in Oregon and have the DMV employee call Landings Credit Union to resolve the matter. I have been to the Oregon DMV three separate times now to try to register this vehicle and they WILL NOT call Landings Credit Union. I was told I need to bring the information with me. I am unable to legally register this vehicle without proper documentation from Landings Credit Union. In NO WAY am I asking to remove the lien or change anything documentation wise. I simply need Landings to cooperate with the law so I can simply register my 2003 Chevy Tahoe.
Landings issued a required or forced placed insurance on our vehicle without ever giving notice about the issue aside from an email that we received from a collections representative assigned to our file . they told us that we need to provide proof of insurance NOW and never sent out any notification requiring this per CFPB regulations like they should have. they are now sending us a bill for over 6500 $ for a period of 5 months stating that this was their costs for insuring the vehicle during this period when we have already provided them proof of insurance since the date of their request 30 days ago. when we try and discuss this with the representative who identifies himself as a manager he is short, extremely rude and disconnects the phone when he is tired of our questions and I have recordings of this fact along with numerous other recordings with numerous other representatives who share the same "customer service" attributes tat their managers portray. What they are doing is illegal and the fact that they simply charge without any type of notice and have never since requested provided their previous "notices" is allowing them to get away with violations that they should be fined for and on a regular basis until they fix it.
Per the law, company has to request a written notice of request for us to provide proof of insurance, per the law we have 30 days to respond. Your company failed to do so. Now your suggesting from nov until March 5th you let us go on with out insurance and Sudley on March 5th you found a lapse in insurance and decided to back date insurance for days you did not cover the vehicle. But we have a recoded statement from Albert saying otherwise. It seems to us that the company is not in accordance with the law and simply taking advantage of consumers and we believe this is not right. We kindly ask for a removal of the added insurance.
This company has our correct address, which they have had before Nov. 18th We will be happy to provide evidence of them having our correct Virginia address prior to that. This also falls under the law of the fair credit billing act and the truth in lending act. Company have to follow the law, the law requires for the company to write a written request of proof of insurance and allow 30 days to respond and send a second request. that was not done. 4/28/19 Insurance coverage begins with Garrison Prop & Casualty Ins
7/17/19 Notice to provide insurance mailed to Tempe address During this time we had already called and notified Landings credit union of us traveling to which we can provide evidence, so no reason to send to the tempe address.
8/14/19 2nd notice to provide insurance mailed to Tempe address ( This does not apply to the current dates in question )
10/10/19 Address changed from AZ to VA ( great you have our address )
11/7/18 Unable to verify coverage with Garrison Prop & Casualty Ins ( this should have been the first time you send a request via mail to the correct address asking for proof of insurance )
12/26/18 Unable to verify coverage with Garrison Prop & Casualty Ins ( second request should have been sent , but we still have not heard from you but we did receive other letters and phone and email conversations still no questions in regards to insurance which we have evidence )
1/2/19 Verified with USAA – policy cancelled 11/19/18 ( if thats the case how come it took until March for this company to put forced place insurance ? specially seeing how you claimed that you followed proper procedure ?
3/5/19 Tried to verify insurance coverage – email sent to member ( not a formal way to request by a collection rep thats laughable )
3/6/19 Email reply from member-she will contact insurance co and get back to us ( This obviously proofs that had I been properly notified since the time you claim to send proof of insurance I will have done so promptly ? seeing I responded in a day may I remind you too on your first response you said on March 5th is the first time you requested for proof of insurance ?)
3/19/19 Coverage verified with Geico. Start date of 3/19/19. ( this is incorrect to which I can provide evidence )
3/28/19 Lender policy added to loan $3129.00 for lapse in coverage from 11/19/18 to 3/16/19.
4/26/19 Attempting to verify coverage during timeframe in question ( false company Vice president Todd never got back to us which we are okay with because he is utterly rude be glad to provide the conversation we had with him, to which he admits landing credit doesn't follow AZ law, we have been hanged up on multiple times and now the company is trying to cover up.
we have phone conversation recordings with this company email conversations saved along with every letter written to us, We started doing so after the company manger albert advised us that Landings credit union does not recored phone conversations because we asked they listen to the phone recording to the last rep since with another issue we had, he also stated that they do not note any calls either. The vice president of the company has also advised us that landings credit union does not follow arizona law. We ask for this company calls to be screened, for this company to be monitored as to how they treat consumers and how they do not fall laws and procedures.
In April my account was accessed fraudulently without my knowledge. The account was drained and Landings issued a line of credit without my knowledge to cover overdrawn amounts. Eventually, the bank suspected fraudulent charges and put in a hold on the account, but again I was not informed. I was not aware of any of this until June. I received a letter at the end of May saying a $*** payment on the line of credit was overdue; however, I misplaced this letter before having the chance to open it so I was not made aware of the unauthorized charges and unauthorized line of credit until a second letter in June with a threat from collections. Now the bank wants me to pay back the $*** line of credit. I was stolen from, my accounts (checking and savings) drained of my money, but the bank says I cannot issue a fraud claim because it has been 30 days. In June, I missed a call from Landings but was unaware it was urgent as the message was just "This is Landings. Please contact us about your account." I want to know why Landings never followed up IN WRITING. They should have sent a confirmation via mail that a line of credit was issued when it was issued in April and again when my account was suspected of fraudalent activity. Though a victim of fraud and theft, I am now expected to pay Landings... including interest and penalty fees. I understand that I missed the phone calls, but these calls were never followed up in writing as any proper bank would dou
Please see the attached letter for complete response.
Thank you for finally providing a clear timeline. This is not the information that was shared with me during the face-to-face meeting. I was told that there had been multiple fraudulent charges on my account in April 2018, which is the reason for the hold, and that the line of credit originated with that fraudulent activity.
In regards to the "line of credit" that Landings claims goes back to an auto loan issued in 2009, I paid off that loan IN FULL about two years after the loan was issued (so either in 2011 or 2012). I would go to your branch in Tempe in person multiple times a month between 2009 and 2017 (that is 8 years, by the way) and NOT ONCE after I was told the loan was completely paid off was I informed in person or writing that any money was still owed on that loan or any other "line of credit". I asked every time I was there if there was anything else that I needed to do or know and was always told: "No. You're good." or some variation of that. This credit or money owed was never included in any receipts or bank statements that were given to me during my multiple monthly visits.
I am sorely disappointed in Landings and how they have intentionally deceived me since 2011. I have been a loyal member and have done my due diligence to the best of my limited knowledge. I feel scammed and taken advantage of by a bank that I trusted for many, many years.
However, I am very tired of this back and forth. I will pay the remaining balance as quickly as possible, then I am closing my accounts, and I will never, ever do business with Landings again.
We have provided the member with the requested information and are unable to come to a satisfactory outcome.
Let me start off by saying I have been a member (when it was TSCU) for over 20 years. In fact, I remember opening my first checking account here when I was in high school. Back then the customer service was top notch and the tellers were so friendly which was one of the reasons I was so loyal to the credit union.
I moved out of state years ago, but I kept a small savings account open as I do visit from time to time. The statements have continued to come to my mom's house all these years. Long story short, my account was evidently deemed "inactive" two years ago and they have been charging me a $5/month fee for the past two years. Additionally, I am being charged a $5/month fee for receiving a paper statement. What?? I had no idea as I don't ever see the statements and I couldn't believe they were essentially depleting my savings $120/year at a time. Once I realized this was happening, I spoke with someone on the phone, who rudely told me these fees were in the fine print when I opened my account and that she would not be reversing any of them. She actually recommended that I close my account, which I was more than happy to do.
I realize the banking industry is trying to find creative ways to boost earnings, but nickel and diming small accounts with outrageous fees is not the way to do it. Furthermore, I expect a higher level of customer service from a credit union, which was severely lacking here.
Thank you for your many years of membership. The account in question had not any activity since January 12, 2016. Per our Fee Schedule, an inactive fee will incur after 12 months without activity. On February 28, 2017, an inactive was assessed on the account.
Over the life of this account, the Fee Schedule was provided to the member many times, at account opening and any time a fee was added and/or revised. The most recent Fee Schedule was provided to our entire membership with the June statement. The new Fee Schedule also outlined a Paper Statement fee of $5.00 per statement. The member was provided with options to stop the fees from incurring. She did not want to keep the account and requested to close it. She was advised that no fees would be reversed.
Thank you for your technically correct response. Yes, I evidently was informed of the fee schedules on the statements. However, as I told your representative on the phone, I was not receiving the statements as I moved out of state and they were still being sent to my mother's house. When it came to my attention, that is when I called your customer service line. I was hoping for a one time reversal of the fees (even a month or two) as a courtesy since I was a long time member and had not been getting the statements.
You are correct, I did close my account and I will no longer be doing business with Landings Credit Union due to these predatory fees and lack of customer service. It was just a true disappointment that what used to be a community-centered customer service-oriented banking institution is no longer.