Numerica Credit Union

Review: The company is falsely posting negative information regarding late payments on my credit reports.Desired Settlement: The information regarding late payments needs to be removed from my credit reports.

Business

Response:

Numerica has reviewed the complaint and has researched the member's payment history. The negative information regarding late payments reported to the credit bureau was correct.

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Regards,

Review: I talked with a loan rep on the week of Nov. 10th, made arrangements with them because my car loan/visa payment was 33 days past due. The lady I spoke with said that it would be alright to pay one payment for each on the 14th of Nov. and again on the 28th of Nov. They then proceeded to lock me out of my account until ALL payments were made. I would have appreciated someone telling me that was going to happen when I made the arrangements in the first place, and how are you going to tell someone it's okay to wait a week to make another payment because obviously money is tight and needed for other things, such as day to day living, and then all of the sudden I'm locked out of my debit card. Not only that, but I was also unable to log in online to even see my account. Then when I call they tell me it's automativ and all I can do is use checks. Who takes checks anymore? That is ridiculous, I just moved to all the way across the country to Florida and all the sudden I am CONSTANTLY having problems with being able to access my money. So fine, I call them on the Wednesday before thanksgiving because I was unexpectedly paid early. I called and asked the rep to please process payments for both my car and Visa card to bring everything up to date, and in fact PAID OFF the loan for my vehicle(or so I thought). I also asked him, I believe his name was [redacted], to make sure that my debit card and online access would both be unlocked since it was VERY IMPORTANT for me to be able to access my money over the holiday and Black Friday. He assured me they both would be working. A couple hours later or so I tried withdrawing $20 from an ATM and once again was declined. I'm not sure if that's ever happened to you in front of your friends before but it's really pretty embarrassing. I work hard for my money and have done nothing but cooperate and communicate with these people and they do nothing but cause me problems since I moved all the way across the U.S. When I called them today the lady told me for some reason there was still 3 cents owed on my car and asked if I would like to process that payment. I said are you kidding me? You guys RUINED my holiday over 3 cents when I just tried to PAY OFF one of my loans, and I asked the guy several times to MAKE SURE that everything was taken care of and I would have access to my money from my debit card.Desired Settlement: I really feel like some sort of compensation should be done, I was not able to proceed with holiday plans my first year alone in a new state and will be spending a substantial amount more for holiday gifts this year as I was not able to participate in Black Friday sales.

Business

Response:

To

Whom It May Concern

In

regards to complaint ID #[redacted] we have reviewed the account in question and

have determined that we have in fact made an error. A payment was made via

phone on 11/26/14 that was intended to pay off the loan. The amount that was

paid was miscalculated and was short $0.03. Because the loan payment was over

30 days delinquent, the system did not register this as paid in full and did

not release the block on the debit card. The loan was paid in full on 11/29/14

and the block was released then. We are in the process of contacting our member

to let her know of our error.

Their customer service is very bad. I have a car loan with them. I try to call for after hours information (which you can get with about any back or credit union), you cannot get that information at all, you MUST call them during their open hours. I also pay via phone transfer, you cannot do that with them. You must pay either by mail or have a customer service rep. assist you, with a service fee attached. I tried to refinance, and I could do everything that I needed to do with P1FCU over the phone, but Numerica needs it in writing. This may seem like an insignificant issue, but when you have to do most of your business over the phone, on weekends, and after hours, it is significant. As a result of their inconvenience, I ended up behind 1 month, I am normally ahead at least 3 months on my loan payments. Now I have to write to them, wait for their personal approval for what I need, and then who knows how many set backs they will come up with in order to prolong me paying them. I don't like their 1960's form of banking, I prefer to work with companies that have advanced to at least 2000. The customer service SUCKS!!!

Never use this bank. When I use my debit card to buy items, it doesn't hit my account or even pend in my account for up to a week per transaction. Also, without notifying me, they rejected my paycheck because they had to manually enter them into their system, then told me they hadn't seen the paycheck at all. Let's just say because of their poor service, I didn't receive my paycheck till 5 days after, and not even through the bank.