REV Federal Credit Union Reviews (%countItem)
REV Federal Credit Union Rating
Address: 210 Marymeade Dr, Summerville, South Carolina, United States, 29483-5243
Phone: |
Show more...
|
Web: |
|
E-mails: |
Sign in to see
|
Add contact information for REV Federal Credit Union
Add new contacts
ADVERTISEMENT
In November 2018, someone stole $2300 from my Heritage Trust Federal Credit Union account in order to play 'Double Down Casino', a game my husband played before he became ill. Google advised LifeLock and LifeLock agreed that it was my husband that had used the funds to play the game on his cell phone. I repeatly told LifeLock and GOOGLE that my husband was in the hospital during this time. They failed to review the IP on my husband phone and the ID of the phone, the information that made them say that it was him. However none of this information was on his cell phone. They also stated that he used his cell phone to play the game. I told them he did not use his cell phone, he used his ipad to play the game. I also told them that our identify had been stolen four (4) times: through Equifax; Department of Veteran Affairs; Macy's and Experian. I have written several letters to Heritage Trust, GOOGLE; The National Credit Union Administration but to no avail. I have not heard from them as the result of the theft after writing the letters. They have not checked any of the equipment or requested the medical records to see if he was in fact in the hospital from March 2017 until March 2018.
Account_Number: ACCT XXXXXXXXXX
Replacement I would like the replacement of the $2300.00 given to a stranger I do not know.
RE: Revdex.com Complaint- Case Number XXXXXXXX
Dear Mrs.,
REV Federal Credit Union received and reviewed the above referenced compliant.
Our records indicate that this is the second complaint related to the Double Down Casino transactions. As you know, we researched and responded to your complaint to the National Credit Union Administration (NCUA), a letter you have a copy of, the findings remain the same...
The credit union submitted the charge back request to Google Play regarding the transactions related to the Double Down Casino game and was told by Google that "the purchases were initiated from the cardholder's Google Account using a recognized account, mobile devices, and the debit card that was on file." Google also validated that the transactions from your credit union account matched a Google Account that was opened in 2015 under your husband's name and address associated with it and that the payment instrument (credit union debit card) was added in March 2018.
In both complaints, you acknowledge that your husband played the Double Down Casino game. According to the documentation provided from Google the device model used for the purchases was a Samsung Tablet_***. We researched the process to access this game and to make repeated charges, and found the following: (1) the game was downloaded on a device your husband owned, (2) your husband or someone would have to know the device's screen passcode, (3) the game must be accessed from (a) the Double Down Casino's app or through a Facebook account, both using the user's unique login credentials or (b) the game was downloaded to another Google Play supported device and either your husband or someone accessed the game using your husband's login credentials.
Upon review of all the information we have obtain related to this matter, the credit union regrets to inform you that our position has not changed and that we are unable to reimburse you for these transactions. We encourage you to file another claim with Google Pay directly as they are the merchant that debited your account.
(The consumer indicated he/she DID NOT accept the response from the business.)
Please let me begin by stating that I am not in receipt of a response to my letter sent to the National Credit Union Administration on October 25, 2019.
As I commented before, our identify has been stolen several times to the point, one time we went to file our income tax and found that someone had already filed and had received the payment from the Internal Revenue Service.
In reference to the Double Down Casino game, I set the game up using his Wells Fargo Credit Card on Samsung Tablet_***. I am sure more than just my husband played the Double Down Casino game on a Samsung Tablet_***, they made millions of Samsung Tablet_*** when they made one. However, the Samsung Tablet_*** device ID from my husband's Samsung Tablet_*** was never requested. It is different from the one reported by Google. Secondly, the IP should have been requested from my husband's Samsung Tablet_*** before making a decision. The IP is also different than the IP reported by Google. Lastly, I know of three states with an "Orange County" US. They are California, Missouri and Florida. However, there may be more stated with an Orange County but we had not visited Orange County in any states in decades.
Therefore, as for filing a claim with Google, I had no bank account with Google. My checking account was with Heritage Trust Federal Credit Union and Heritage Trust was responsible for managing my funds in the Heritage Trust Federal Credit Union. The changes made to my puritan information was done by Heritage Trust and it took me four (4) months for Heritage Trust to unlock my account and let me back into the account.
I switched to HTFCU because my husband had been with them since he was a teenager. Unfortunately, ever since I've had the account, I've had nothing but issues with customer service. Customer service is not open after hours and they will block your card with no warning or phone call first. I have literally been in tears many times because of this customer service and I should have closed the account when it first started happening but it's so difficult to switch banks when you have direct deposits and debits. But I have not choice now. When I am at the grocery store shopping for groceries for my family and my card is declined, that is the most embarrassing thing that could happen. I couldn't even provide food for my children. I would just like my fee compensated for having to use a starter check, please.
And I just noticed that I had the SAME issue in 2016. I see where I left a negative review! I should have left then! Unbelievable!
The account was triggered by a possible fraud activity and the member was contacted and could not verify the charge at the time, therefore the card was hot carded. The member did not contacted anyone about the activity until this was posted and was not able to speak to the member regarding her concerns. The member did receive a new card and is using it currently. After receiving this review, we contacted the member and immediately refunded her fee. We currently do not offer 24 hour access to speak to customer service, we understand her frustration.
I have a car loan with this bank. I paid an extra payment in February 2019, and so my statements said the next payment was not due until April 2019. So I paid every month on time even though I made the extra payment. So I decided to skip June, since I was a payment ahead, so I could extra money for vacation. All of the sudden in the beginning of July, I've received calls and letters saying my payment is delinquent. It was strange how all of a sudden my was due in June, but every past statement showed it wasn't due until 2 months out because of the extra payment. I feel played.
As soon as Heritage Trust FCU was notified the loan was reviewed and the due date corrected. The system did not advance the due date after the June payment was made on May 23, 2019. I have made contact with Ms. D to make her aware of the changes made to her account as a result of the system error.
My credit report was accessed without my consent.
Problem Date: 3.1.1
***Copy Of Email Sent To Heritage Trust***
Good Morning Heritage Trust Federal Credit Union, please be advised that I visited the Sam Rittenberg location today. I currently have a Savings Account with Hertitage Trust. A representative, Kathy, spoke to me about opening a Checking Account, but failed to disclose that she was going to "run" my credit. She utilized the words, "when we run your credit."
I am, literally, Under Contract for the purchase of a home at this present moment; consequently, this is a critical hour, as it relates to credit reporting. I am very upset & disappointed. Once I Close on this home, I will be discontinuing my membership with this organization.
Kathy expressed that her method of educating me (that she was going to gain my credit records) was by stating, "when we run your credit..." Kathy & I did not disagree that she utilized the previously, quoted terms. Kathy further stated that this is the way that she has always informed the customer.
Heritage Trust, please be advised that I NEVER consented to having my credit viewed. She deflected her actions, by detailing that I currently have a mortgage on my account. I informed her that the mortgage is closed. Kathy apologized multiple times, prior to my departure.
She advised that she was the most senior representative that was on site, while I was at that location. She confirmed my phone number, and told me that her Regional Director (Manager) will be contacting me.
Heritage Trust, I am sure that this organization does not administer training in this capacity. Kathy appeared to be certain that her repetitious behavior equated to the absence of her being in violation. She is severely undereducated on this matter, and should be reprimanded before she causes further harm to this company and the members. Your consideration, regarding this matter, is appreciated.
I would like my complaint to be published, so that the public will be able to view the nature of my concerns.
I was notified of the member's service issue on 3/1/2019. I reached out to the member that afternoon to address her concerns. After letting the member explain to me what had occurred, I gave my response which included the following. It is the credit union's practice to pull credit reports when opening new memberships or shares on existing memberships. One of the reasons this is done is to be compliant with the U.S. Patriot Act. In the member's conversation with the member service representative the representative did state that "when we pull your credit" in regards to a question about the member's income. The member service presentative considered this notification that she would be pulling the members credit report. I apologized for the miscommunication and assured her that this single inquiry would not affect her ability to complete financing of her home. I also offered to provide the member documentation if needed stating that the inquiry was not to establish new credit, but for a checking account. I concluded by once again apologizing for the miscommunication and that I would follow up with the member service representative so that pulling credit would be more clearly communicated in the future.
(The consumer indicated he/she DID NOT accept the response from the business.)
I would like for the Credit Bureaus to be notified that I did NOT consent to my credit being viewed. I would like for this inquiry to be completely removed from my Credit Report. The important questions were not asked. I was NOT given the opportunity to provide an emphatic "yes" or "no" to my credit being viewed. This opportunity was removed when the important questions were omitted.
We are taking Ms. concern very seriously, we sincerely apologize for the inconvenience this has caused. We are in the processing of contacting all three trade bureaus and request that the inquiry be removed so that it is no longer factored in when calculating your credit scores. We will send confirmation to consumer once all bureaus have been notified.
It is not the practice of Heritage Trust to pull a credit bureau without confirmation from the consumer. We acknowledge our associate did not use the proper phrases and structures to clarify and check that Ms. understood and acknowledged the steps needed to open a checking account. We have taken this experience as a moment to educate our staff on how to properly communicate the process and get the verbal and/or written confirmation prior to moving forward with the qualification process. We strive to improve our services and this is an opportunity for us to do just that.
They contend that I owe them money for late payments which is not the case. They have harassed, ruined my credit for their error.
I bought a fishing vessel while living in Charleston. I utilized Heritage Trust for the loan. I would send checks, on time just to have them returned then a late notices with fees. I went to see them to set up a auto draft from my checking with Wells Fargo straight to the Heritage account. All was well then after I moved to New Orleans I started receiving numerous letters, harassing calls from them and collectors saying that I missed a month. My wife and I went through all of our statement back to 2015 and not one single payment was missed or was late. When I threatened to do what I am doing right now they decided to work with my wife. Unfortunately, HT's system only went back to February of 2017. My wife told her that she looked all the way back to 2015. The lady then asked her to provide proof. We are NOT going to hand over our entire account to someone that has no business looking at personnel information. Why is the onus on us when they made the mistake, they have ruined my credit, they have endlessly harassed. I want this to stop and my credit restored from their erroneous reporting. If this does not resolve the situation then lawsuits are next.
Harassment to stop and for any damage done by them to my credit fully redacted/repaired.
The account has been thoroughly researched and our findings are as follows: On December 10, 2016 Heritage Trust FCU was notified and a letter was sent to Mr. explaining that the 2012 Sea Hunt Triton did not have full coverage insurance starting on November 8, 2016. On January 07, 2017 another notice was mailed to Mr. notifying him of the same and he would need to provide Heritage Trust with proof of insurance or we may "force place" the collateral with insurance to protect our interest. On January 21, 2017 the final letter was mailed notifying Mr. the loan may be "forced placed" with insurance within 10 days of this letter.
On February 16, 2017 the 2012 Sea Hunt Triton was "forced placed" with insurance in the amount of $1,619. This resulted in a payment increase from $333.16 to $513.05 monthly for the next twelve months. Mr. continued to send in the incorrect payment amount of $333.16 which did not advance the due date as it was not satisfying the total amount required for the monthly loan payment. Resulting in late payments on the credit report.
On July 14, 2017, Mr. provided Heritage Trust with his personal insurance covering the collateral from June 24, 2017 through June 24, 2018 as a result a partial refund was received in the amount of $340. However, the "force placed" policy purchased by Heritage Trust FCU covered the collateral from November 8, 2016 through June 23, 2016 totaling $1,279. By providing proof of insurance Heritage Trust FCU was able to recalculate the payments from $513.05 to $475.27 Which was to be paid in the month of August 2017 through October 2017.
Mr. continued to only make the original monthly payment of $333.16 which did not advance the due date. The November 24, 2017 payment reflects the lower monthly payment of $333.16 as the "forced placed" premium is considered paid in full. As a result of the forced placed insurance the member is consistently paying one month behind resulting in the late payments on his credit report. As of today the loan is due for March 24, 2018 in the amount of $333.16. The calls and letters the member is referring to are our continued efforts to help bring the account current.
a check from my father's last acct with this bank was mailed according to a rep. on August 23 as of Sept. 1, not received. much more to this
acct 7225
On August 9, I drove from out of town to the West Ashley branch to close accounts. I was astonished to discover that our names had been arbitrarily added to only 2 of 3 accounts. *** in the West Ashley branch can explain. Therefore, I had no choice than to travel out of town to have more paperwork properly processed and returned to the bank. The forms were mailed August 14 and to date, no check has been received. When I contacted *** she explained a cashier's check had been mailed on Wedn. Aug 23. When I asked if she could track it, she said it was sent regular mail. Still no check. This is a second incident regarding this bank, where they gouged my 84 year old father $12.50 per month for using older checks. $12.50/month outrageous.
Ms. came in wanting to close an acct that she was not joint on. We informed Ms. that the member could add her to the share record in order to close the entire account. We gave the appropriate paperwork to Ms. and it was returned by mail, signed by our member and notarized. She was then added to the share and she closed the membership. An official check was issued on August 21st , sent to the address the credit union had on file as requested. After speaking with Ms. this past Friday, it was determined that the address in file was not the current one. We have since stopped payment on the check and reissued a new one.
Ms. spoke to us regarding the handling of this situation and we rectified it immediately.
(The consumer indicated he/she DID NOT accept the response from the business.)
it is truly sad to read how the bank has distorted the facts. I was not on the account, b/c the bank failed to process the completed paperwork from 2 years ago properly. a mr. wichman from the bank called having received a letter mailed to the mr. (a week after they supposedly mailed a check from the closed account. as for the address on the account, to report that address is not on file....is a lie. how is it that the bank statement is mailed to my address? over 2 weeks now and the initial check they supposedly mailed has not arrived. this is pathetic. their response is representative of how they handle "matters".
Thank you for reaching out to let us know that our service was less than what you expected. We take each interaction with our members seriously and work quickly to provide a resolution and a response.
We are unsure of what Ms. refers to when she states "to report that address is not on file", we never indicated this in our initial response.
We mailed the original Official Check to the address we had on file (Easley, SC). This is also the same address the monthly statements are being sent to. We regret that the check was not received, we acted promptly and issued a replacement check.
The replacement Official Check was issued Sept 6, 2017 and was sent by certified mail. We have tracked the certified envelope with the USPS; we received notification that the Official Check was delivered on Sept 9th.
If however, Ms. still has not received the replacement check, please request that Ms. contact us directly to assist with further resolution. She can contact Jason Atkins at (XXX)XXX-XXXX.
(The consumer indicated he/she ACCEPTED the response from the business.)
This response is inane and indicative of business practice. *** provided a return envelope to her attention. She had my address, verified and confirmed. Apparently another deficit. I considered this matter closed, finished with this outfit and their consistent poor replies. No further interest in communicating about a business that will not follow the facts. My fathers acct is finally closed.....end result