Vantage Credit Union Reviews (%countItem)
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Vantage Credit Union Rating
Address: 19 Research Park Ct, Saint Charles, Missouri, United States, 63044-2708
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When I called repeatedly, to verify the mailing address where Vantage Credit Union would be mailing any and all mail to, I was repeatedly told, on three different occasions, by three different representatives in May of 2020, that any and all mail which Vantage Credit Union needed to send to me, would be mailed to a P.O. Box in GA. I now understand that Vantage Credit Union has a policy which requires that Vantage Credit Union members provide Vantage Credit Union with a physical address. However; I was not told, not once, until today, not in all of the years I have been with Vantage Credit Union, that Vantage Credit Union requires this physical address. I called in today, on June 10, 2020, and was told this for the first time, by a manger who works in the records department at Vantage Credit Union. When I was repeatedly told by various different Vantage Credit Union representatives in May, that all my mail would be mailed to the P.O. Box just stated, then I would not think that there was a problem. I have been receiving mail from Vantage Credit Union for several years now as well, at my P.O. Box in GA. However; when I received an email from the records department, on May 22, 2020, which listed a very old address on the Lien Release Acknowledgment Document attached to that email, which I never provided to Vantage Credit Union, I knew that there was a problem. On May 22, 2020, I called into Vantage Credit Union, and spoke to a woman who works in the records department of Vantage Credit Union, who sent me the email with the Lien Release Acknowledgment Document attached to it, and not only was she rude, as she seemed to want to simply get me off the phone as quickly as possible, she also did not even take the time to verify what address the Lien Release Acknowledgment Document would be sent to, and told me that the reason that I had not received the Lien Release Acknowledgment Document, (even though it was supposedly sent out on May 14, 2020), was due to mail being slowed down, due to the Coronavirus pandemic.
This was obviously not true, and if she had done her due diligence, and simply taken a few moments to verify the address where the Lien Release Acknowledgment Document would be sent to, she would have discovered that Vantage Credit Union had an incorrect physical address on file, if she had only taken the time to verify this address with me. I called back after I got off the phone with this representative in the records department, who sent me the Lien Release Acknowledgment Document, as it was clear that the wrong mailing address was listed on the document. I spoke to an assistant manager in the records department, on May 22, 2020, who also did not verify the physical address which Vantage Credit Union had on file, and the Lien Release Acknowledgement Document ended up getting sent to a very old Colorado address, as apparently, this Colorado address was the physical address which Vantage Credit Union had on file, and this incorrect physical address is where the document was sent to. Thus, this document, which I spent some real time trying to track down, took nearly a month to get rerouted to me from Colorado to Georgia. All it would have taken, is for one of these many Vantage Credit Union representatives whom I spoke with, to simply put forth a little more effort, and verify my physical mailing address, in order to save all of this time and frustration. It is a waste of my time, and truly, a waste of Vantage Credit Unions time, to have to repeatedly address this matter, when this issue of the incorrect physical address could have been easily fixed, if only one of the many Vantage Credit Union representatives I spoke with had been willing to verify my physical address. Particularly when I called in repeatedly and specifically asked to verify my mailing address, my physical address should have been verified. I would have certainly taken the time to verify the physical address which is on file for a member, to verify all addresses, if I worked for Vantage Credit Union, and I was handling this issue, and there was clearly a problem, as the member was not receiving their mail as they should be. Especially when I clearly stated, in multiple phone calls pertaining to this issue when calling in to Vantage Credit Union, that I live in Georgia, not in Colorado.
I called in again to Vantage Credit Union today, on June 10, 2020, to make a complaint about this issue, that the Lien Release Acknowledgment Document was mailed to an incorrect address, and to address this issue, and the manager whom I spoke with did not seem very concerned about the matter. I do not feel that my complaint was even taken seriously, and I do not believe that this issue is actually being looked into. This is not the first time though, by any means, that I have been given incorrect information when calling into Vantage Credit Union, given the run around, transferred to multiple departments, and just generally had a bad experience when calling into to speak to a Vantage Credit Union representative. It is often cumbersome to call in, though u fortunately, I do not live anywhere near a Vantage Credit Union Branch. So, when needing to correspond with Vantage Credit Union, I am forced to call in and speak to someone. Hopefully, moving forward, the next Vantage Credit Union member will have a better experience than the experiences which I have had. This is not a good way to handle business, and truly leaves the customer feeling as if they are not being heard and taken care of. As I have now payed my car off, and Vantage Credit Union has released the lien on my car, I will be closing all of my accounts with Vantage Credit Union, and will not be doing business with them in the future. It seems as if many of the customer service phone representatives who work for Vantage Credit Union are not very well trained, and could use more training as well, to prevent transferring members so much, and making it so cumbersome for members to get simple matters resolved.
The last thing which I will add to this review, is that when I spoke to an assistant manger in the records department of Vantage Credit Union on May 22, 2020, this assistant manger gave me a non-working number, in case I needed to call back with further questions. That is just unprofessional as well. I even read the number back to her after she gave it to me, so yes, that is rude, and definitely poor customer service. I was also given a hard time when I called back to Vantage Credit Union today, before I was transferred to the records department, as this phone representative tried to tell me that Vantage Credit Union does not transfer members to other departments, really??? That is interesting, because I was told by the records department in Vantage Credit Union, that I can always transfer to another department, especially if one department is not able to help with an issue. This is the kind of thing I am talking about though, just how much of a hassle it is to get a simple matter resolved.
Vantage Credit Union has spoken with the member, apologized for misinformation she received, and addressed her comments with staff, as requested.
In May 2020, Vantage Credit Union reported false information to the credit bureau causing my credit score to decrease by 100 points. My car payment has never been delinquent pass 30 days and for the month of June 2019 and January 2020 there were double payments deducted from a checking account without verbal permission. When I spoke with the Account Resolution Department staff on 6/2/20 and 6/3/20, I was given 3 different explanations as to why the account was reported to the credit bureau. I have proof from the financial institution that only one payment was returned in June 2019, but Accounts Resolution staff said both payments were returned to the checking account. There is also no honest explanation about where the second payment for June 2019 and January 2020 are located. On 2 occasions the checking account was illegally debited. I received a letter in the mail June 3, 2020, stating if the account is late again the vehicle will be confiscated. I felt harassed without cause. I’m jointly responsible for this account with my daughter. She also received the same letter. We have a print out of all payments made to the account. This loan has never been 30 days late and I received a letter as if it was in the rear for several months. We paid the car off today out of fear that they would continue to handle the account illegally and cause the account to be in default.
Revdex.comDispute Resolution DepartmentReference: Complaint ID
After careful
review of the concerns expressed by ***. Vantage Credit Union offers
the following information in hopes that it will resolve any outstanding concerns.
Vantage is happy to work with the member further if desired to address anything
further.
On 6/3/2020 Devona
Dixon contacted Vantage about reversing a credit mark recently incurred and
other questions and concerns. We advised *** that we are required to
factually report and that unless it is found that Vantage Credit Union made an
error that directly caused the credit reporting it could not be reversed. Our
research revealed the credit reporting mark was reported due to the 4/23/2020
payment not being completed until 6/2/2020. It was the understanding of Vantage
Credit Union that *** was going to review personal records and reach
back out to Vantage to further complete the investigation.
Our review of the
June 2019 payment concerns has shown our records indicate that two payments
were posted on 06/14/2019 by one of the members in our home banking system. The
member contacted Vantage stating the intent was to only make one payment. One
was reversed that day and the second reversed 07/17/2019 when a request was received
from the institution the payment was drawn from. One payment was then reapplied
that same day as a non-duplicate.
In regards of
the January 2020 payment history for the loan with Vantage it was noted that
two payments were made within the month of January 2020. Both payments were
submitted in the same fashion on January 10,2020 one payment was applied toward
the 12/23/2019 due date and the second payment was applied to the 01/23/2020
due date.
We are sorry
that the letter sent to both members was upsetting. This letter is formatted specifically
in language that is required legally to comply with certain state laws. At the
time the letter was produced and mailed the loan was still showing due for
4/23/2020 and is sent to protect the credit union in the event that the payment
is not received. While we understand the concern and how this could be
upsetting, we must send the notice out of obligation and to make sure we are following
proper protocol.
As of the date of
our response to this complaint we have not received any other communication
from ***. In reference to the concern raised that Vantage illegally withdrew
funds without authorization a review was done and as far back as 02/23/2018 the
payments on the loan in question have been made through our online banking. This
process must be originated by one of the members on the account. Vantage would
not be able to debit a payment unless one of the members on the account logged
in and authorized the payment(s).
Should there be
more information needed to answer any other questions or concerns Vantage is
happy to assist *** at the number below.
I would like to attach additional documents for the complaint above.
Complaint: ***
I am rejecting this response because:
I have attached documents to address that one of the payments paid in January 2020 should have gone towards February payment bringing the payment update up to May 2020. The payment of $1.05 paid on June 2nd was paid before May's delinquent date of June 15th, which includes a 15 day grace period from May 23rd to June 7.
Sincerely
Vantage Credit
Union has reviewed the information presented in the repose from ***.
On June 15, 2020 Vantage reached out to *** and *** the cosigner.
Unfortunately, we were not able to compare close enough results with the members
over the phone. To try and assist to make sure all parties had the best and a mutual
understanding Vantage has scheduled an appointment with *** to come
to a branch location to review the research completed by Vantage on June 16,
2020. We are hopeful this will help all parties involved and come to a mutual
resolution. Should this meeting
not resolve the matter Vantage Credit Union will continue to work with ***
and ***.
Complaint: ***
I am rejecting this response because:
The meeting was unproductive and Vantage Credit Union Representative *** didn’t have the documents needed to justify the multiple payments deducted multiple times. However, we had documentation proving that the payments were made and a refund is warranted. *** and myself are waiting to receive payment records from Vantage Credit Union but question the validity because documentation presented during the meeting with *** was confusing to her and she spent more than an hour on the phone with Accounts Resolution Department staff for clarification. This situation hasn’t been resolved.
Sincerely
My complaint is they didnt email me atleast about a large check didnt go theu due to their policy my accouunt almost went in the red which never ever gets close1e
This check was returned because it was an insurance check
with two payees. One of the payees was not on the account and had not endorsed the
check. Financial institutions have to follow strict guidelines when accepting
insurance checks and unfortunately this check did not meet those guidelines. A
replacement check was mailed to the account holder and instructions were
provided to the account holder on how to successfully deposit the replacement
check. Vantage Credit Union does reach out to account holders to notify them if
a large dollar amount item is being returned, but the dollar amount of this
deposit did not meet the threshold to be considered a large dollar amount
deposit. No fees were assessed to this member due to the check being returned. The replacement check can be deposited at any VCU location if both
payees are present with their ID or if the account holder adds the additional
payee to their account and the additional payee properly endorses the check. If
the account holder would prefer, they can also ask that the check be reissued
in only their name. These options were all provided to the account holder as
potential solutions and as of 5/19/20 the account holder has successfully
redeposited the check into his account.
Complaint: ***
I am rejecting this response because:
Sincerely,
*** because it was a premium refund I had 2 home insurance policies which I pay for we finally gotta it squared away thru a hslkf and hour hassle at thhe drive thu no problem chsnging bsnking insitution as soon a possible
I have a closed checking account and credit card with Vantage Credit Union, they are closed because I have health issues and was hospitalized and wasn't able to put my paycheck in the bank and my checking account snowballed and Vantage bounced out everything leaving me with several hundreds of dollars in fees, since I couldn't pay it all back and asked to make payments they closed my checking and my credit card. However my complaint isn't about that. Since the closure of both accounts I have made monthly payments every month and have never been late until recently. I went to make my February payment on my credit card and couldn't get through because of the long wait times to speak to a representative, when I was finally able to get through it was a few days past the due date causing me to be 30 days late. So they reported the late payment to all three credit bureaus, Equifax they reported not more than two times 30 days late, I've never been late before so how can I be not more than two times? Transunion and Experian are showing one times 30 days late. I called Vantage and spoke to a Michael and told him my situation that I couldn't get through on the phone or come into a branch because all branches were closed so how was I supposed to make my payment on time because they were closed do to the COVID-19. I told him I have perfect credit and don't have one negative blemish on my credit report until now and that I have never been late with Vantage before. He said all he could do was refund me my late charges and update the Equifax credit report to show only one times 30 days late. All three of my credit bureaus show I'm still behind which I'm not because when I finally got through to make my payment I made February and March. I am wanting Vantage Credit Union to adjust all three of my credit bureaus back to showing never late because it wasn't my fault I could never get through. I have been advised by the CFPB and the Missouri Division of Credit Unions and my Attorney to start here before I escalate this issue to the next level.
The bank resolved my issues.
I had an auto loan with them. They were overpaid and they did not write me a check to reimburse me, instead they opened a savings account that I did not know existed. They also have been charging me an inactivity fee for a year now for an account I did not know I had.
We have spoke to our member on 4/7/2020. The member would
have signed an account card when getting the loan at the dealership. She also
has been receiving statements showing the savings account and the fees. We did
make an exception and refund 90 days’ worth of fees. We have resolved the
situation to the best of our ability.
Thank you!
*** |
CONTACT CENTER ASSISTANT MANAGER VANTAGE CREDIT UNION***Enhancing your life,
strengthening our community.
Vantage Credit Union's online portal is THE WORST. Every time I try to pay my bill it locks me out...EVERY MONTH. And when I try to set up recurring payments, it doesn't work either! Worst online site ever and while the employees are nice enough, I get 10 different answers for the same question. No one knows what the heck they are doing. Not user friendly and they are so pesky.
Ashley from Vantage Credit Union's eCommerce department has left a voicemail for *** to assist her in navigating the online banking system.
Customer since 1994, have not had less than a $15K balance in combined savings and checking in the last 5 years - they suggested to me to replace my savings with a special savings account and then proceed to charge my original savings account a $35 NSF fee for an auto pay from my cc company. The routing of my auto pay only specifies my savings account. After the charge there is no notification, and they do not refuse payment to the cc company, they just charged me a $35 fee as if they refused payment and used my checking account to fulfill the auto pay. Then they do it again the next month. With time I find out when looking at the online records for my savings account. When I ask them what is going on, they first say the fee is a problem to sort out with my cc company. So I ask if they notified my cc company of insufficient funds, they did not. And so I ask again why did they not tell me this was happening and they ask me how were they supposed to notify me. This would have gone on forever, so beware. In the new online banking world, you don't want this partner, a bank that is finding new ways to find fees at your expense.
Thank you for providing feedback in regards to your account. An associate will be contacting you soon to discuss specific solutions.
I am having to get an Attorney as at the Ofallon MO. Vantage with the new teller Machine. I had won 2 months of Bingo Money to Deposit in my account. I have done business with them for years.
I went in with a stack of cash money I had a paper with it wrote down to give to the teller well instead I face this new machine. A teller there was very nice helped me and said the machine did not take my paper I had wrote down the number of each amount for the teller I expected to deal with.
I had 88 $20.00 bills 1 $100.00 bill 4 $50.00 bills 10 $3.00 bills 3 $5.00 bills 9 $1.00 bills,
When the deposit was done I was short $800.00 . I said shut the machine down and look for it.
They said they couldnt. I asked the man in the screen monitor machine and they got everything except they were short 40 $20 bills my $800.00. I said do I need to stay here while you find it and they said its OH its ok now we credited your account the 800.00 so I assumed the teller in machine found it. Well I got this letter that said another firm balanced the drawer and it balanced so the $800 they credited me was just a special account for this problem. Well now I get a letter telling me they are taking the 800 back. What happened to my 40 $20.00 $800.00. They said they would look in machine nothing . Where did it go?????
I am taking most of my money out of this credit union and going to one that has real tellers. This would have never happened with a real person.
I would advise everyone to be very careful with these new machine and not deposit any CASH as I have no proof of my loss.
When I deposited checks they do take a picture of them at least.
They are sending me some pictures . I want to see the so call machine count my $20.00 times 88 I don"t think their video will show this.
Im going to keep very little in this system and go to a real teller. If any one else has lost money in this machine please send me a note. Im going to call an attorney on this matter.
thanks.
Vantage Credit Union (VCU) follows a dispute resolution process in accordance with Federal Regulation E. This dispute was completed within those guidelines. VCU provided provisional credit at the time the dispute was submitted and a letter outlining the provisional credit and dispute process was provided on the same day. The machine in question was balanced four times over the duration of the dispute process and came back in balance each time. The electronic journal recorded the serial number and count of each denomination deposited during the transaction, showing the amount presented was the amount deposited to the member’s account. If additional currency was deposited, it would have been documented on the electronic journal either showing the machine accepted those notes or that a bulk of notes were returned to the member. The electronic journal does not show any other notes being entered into the machine at all except the ones listed as successfully deposited.
VCU’s Remote Banking Technologies team was in contact with the member throughout this process to provide updates on the current status of the dispute and to ensure the member was provided with timely responses and answers to all questions. As part of the dispute process, we also had the cash replenishment company do a thorough inspection to ensure every measure possible was taken to resolve the dispute to the member’s satisfaction. Unfortunately, since the machine was in balance and no error was documented on the electronic journal during the transaction, the dispute was denied and the provisional credit provided was debited from the member’s account. Per the member’s request, the documentation used to determine the outcome of the dispute was provided to the member on the date the dispute was finalized. If the member has any additional questions, or would like to review the dispute documentation, they can reach out to us at ***.
Thank you,
Vantage Credit Union
Why is it necessary to charge a $3 penalty for each overdraft transaction?
On October 7, 2019 *** was connected with *** from the West County branch by phone. *** understood when that fee would be charged and was aware of how to avoid the fee by transferring online. *** also explained that *** could upgrade her checking account that would qualify her to get the OD transfer fees refunded into her account automatically on the 1st of each following month as well as many other benefits. *** appreciated the information and will consider her options.
I have been hacked several times and now charge fraudlent overdraft charges and they seem to think they are right and I am wrong. for instance 88 dollars in the account and 80 comes out leaving 8 dollars in the account and the overdraft the account causing a landslide of issures this has happened at least 5 times I have talked with them on 3 of them to no avail.
In reviewing the case, *** does have an open fraud case on his account with the use of his debit card. Reviewing the transactions in question and speaking with the merchants, the charges are for free trial offers the member signed up for online. The Credit Union has not been hacked to allow the charges to go through on his account. We have attempted to contact the member several times and left multiple messages to explain the situation to the member. We were able to receive three refunds from the merchants, one transaction did not post, one could not offer a refund due to their Terms and Conditions and one we did process a credit back for his since it was a foreign charge. *** was also refunded for all the fees that he incurred due to these transactions that he signed up for. We will continue to try and get a hold of the member to explain how and why these charges are on his account. At this time, he has received refunds for everything that we could get back for him and his case is closed.
This Credit Union practice is unethical. They have charged us 5 overdraft fees and the account has never shown a negative balance even after charging us the Over draft fees. They want to say it is because we have pending stuff which has not come out. they have cost us tons of money with this practice we moved one of our accounts because of this and the new account now nearly 8 months old has never over drafted. We have tried to stay with them because this is a primary account and would take literally hours to set up our auto payments.
They have refunded us 3 of the over draft fee to date, I would like for them all to be taken care of that is the other two refunded back. Please!!!
Dear ***,
We have
reached out to our Member. Unfortunately, the transaction was a check deposit in
the ATM and there is a two business day hold on these items. The receipt prints
the balance and available balance after the deposit was made. We have refunded fees and released the hold
early as an exception, as this was not a credit union error. We have resolved
the situation to the best of our ability.
Sincerely,
***
Contact Center Manager
My brother has an auto loan with Vantage. He is currently incapacitated, therefore I have a signed Power of attorney for him to handle all of his finances, etc. I tried calling this company to pay his auto loan in full and they informed me to send over the POA. I did so, they didnt accept it. I sent over another durable POA that I had when I sold his house. They wont accept that one either. They finally said they would allow me to pay off the loan, but couldn't give me info. When I went to pay with his bank account (which I have POA on, and is noted with his bank) they said I couldn't use his account to pay. I have been going back and forth with them for almost 2 weeks. They've been adding fees and interest while stringing me along. All I am trying to do is pay off the loan and they wont allow it to be paid off. They've asked where the car is so they can pick it up, instead of allowing me to pay for it.
On behalf of Vantage Credit Union we appreciate the opportunity to respond to the complaint filed by ***, (Revdex.com reference ***)
*** submitted a General Power of Attorney (POA) to the credit union on behalf of her brother, ***. Unfortunately, the POA that was submitted is not an acceptable POA for this type of transaction and appeared to co-mingle different types of POA’s. The credit union explained to *** that we would require a Durable POA, for the specific authority of conducting financial transactions on behalf of her brother. *** did submit a Durable POA, however it was expressly for the sale of her brother’s residential property. Due to the limited nature of the POA provided, this POA was rejected.
*** was attempting to payoff a loan that is solely in her brother’s name. Unfortunately, due to privacy requirements we are limited as to the information that we can provide to her. Additionally, *** was attempting to make the payoff using a credit card in the name of her brother that we were unable to confirm she had authority to act on his behalf. The credit union explained that we would be unable to process a transaction using a credit card in the name of someone other than herself unless we are able to obtain verbal authorization from the individual that it is acceptable to use their card information for the monetary transaction. *** believed she had POA over the bank account she was trying to use based on the General POA noted above.
The credit union is willing to assist *** however, we will need a properly executed and notarized Durable POA or another acceptable form of payment. *** may reach the Credit Resolution Department directly at ***
Thank you,
Vantage Credit Union
Complaint: ***
I am rejecting this response because:
The business is not accepting a legal document. This document has been approved and accepted by several other financial institutions that I have had no problems doing business with, in handling my brothers affairs. A lawyer has even looked over both POAs and determined they are in fact acceptable POA forms. Also, this company has been stalling the payoff on this loan and therefore adding more interest and fees. At this point, it seems like just a "business tactic" to add more money to the loan to cost my brother more money for paying off the loan early.
I do in FACT have POA on my brothers bank account, which is why I have been able to handle his other affairs. This includes the use of his bank account, debit card, and any withdrawals or deposits.
Sincerely
Rebuttal to complaint: ***
The type of POA that was submitted to Vantage Credit Union does not meet our policy guidelines which had been communicated to ***. Once *** submits a POA that fulfills the requirements, we will be pleased to back-date the payoff to the date the initial POA had been submitted to the credit union so that any late fees and interest will be waived.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me. I do need someone to send me a POA form that you will accept to [email protected].
Sincerely
They are horrible financial institution. There fees are nickel and dime fees that no other bank has. They also have lost the personal touch by making you talk to through a machine to talk a teller. They have no regards for their customers. The other credit unions in Saint Louis are way better than Vantage.
We're sorry to hear that you feel this way. Any fees we have are avoidable. As the owners of our credit union, our members are always top-of-mind when we make decisions - including enhancements to services and products.
You guys are a bad company and are shady with your consumers. I will make sure nobody that I am friends with or follows me on social media banks with you.
Vantage has been taking $5.00 a month out of my checking account for the past 2 years without my knowledge.
Dear ***,
We appreciate you letting us know about your concerns. It can be frustrating when you are charged fees. We notified our Members of this Aggregate Balance Fee change with an insert in their March 2017 statement. We are a not for profit financial cooperative and at times, we must implement comparable fees. The more our member-owners use the loan, deposit and convenience services Vantage offers, the more we are able to pass along benefits like better pricing, new services and enhanced technologies. To better serve our Members we updated the terms of the Aggregate Balance Fee (effective June 2019) and we are now offering better checking options that may benefit you. We notified our Members of this change in their March of 2019 statement.
We truly appreciate your feedback and the opportunity to address your concerns. Your membership with Vantage Credit Union is greatly appreciated.
Thank you,
*** | CONTACT CENTER ASSISTANT MANAGER VANTAGE CREDIT UNION
***
Enhancing your life, strengthening our community.
I was charged an overdraft fee for an item that did not cause my account to be overdrawn.
Tell us why here...
We have reached out to the member and refunded the fees as a courtesy. Advised member if any fees are incurred due to merchant error, they will need to reach out directly to the merchant for a fee refund. The credit union will only refund fees due to a credit union error.
Vantage Credit Union withdrew money from my account without my permission for disability insurance. There was no policy issued, no beneficiaries. It caused my account to be overdrawn. They withdrawals occurred in December and in March, $90 each. They have sent it to a collection agency, affecting my credit score.
April 23, 2019
Reference Complaint Number ***
Since the date of the complaint Vantage Credit Union (VCU) has been in contact with the member to discuss the situation. On April 18, 2019 a copy of the form accepting the terms of the insurance was sent to a branch location for the member to review the selections made. In addition, as a one-time courtesy one of the non-sufficient funds fees was refunded. *** was able to contact the insurance company and cancel the policy as well as received one month’s worth of the premium back as a refund.
On April 23, 2019 the credit union again reached out to the member by phone and confirmed that he was satisfied with the resolution but has not had time to come by the branch and view the document. He was advised to contact the credit union with any other questions or concerns.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me.
I received my money back.
Sincerely
Worst bank ever! Bank ANYWHERE but there. They time everything out so that once the opportunity arises for them to pounce and fee you to death they will. A prior member described it perfectly as “preditory practices”. They made no attempt to resolve the issue and explained to me how to close my account. Thanks Vantage! I will definitely be doing that as soon as possible!
Dear Ms.:
Thank you for taking the time to send us this feedback so we can provide additional assistance and continue to look for ways to improvements. I would love to discuss your experience directly so I have called and left you a voicemail with my direct line. Our goal is to always provide assistance to our Members and look forward to working with you. I look forward to hearing from you.
Sincerely
I've been trying to cancel my account. I've had repeated calls and email correspondence. They continue to charge my account with no services rendered as the bat me around without cancelling the account.
Good Morning ***,
Thank you for your feedback and we appreciate the information, so that we can make necessary improvements to our process. We have refunded a $5.00 Aggregate Balance fee from the month of January and closed your account. Please let us know if we can be of further assistance.
Sincerely,
*** CONTACT CENTER MANAGER VANTAGE CREDIT UNION
***
Enhancing your life, strengthening our community.
This is not really a complaint but I need cooperation from my credit union. On 2/2/19 an amount for $55.00 was taken from my account for cricket wireless. On this date 2/17/19 my service was disconnected claiming that the credit union illegally without my permission took the money without my permission causing my service with the phone to be disconnected. Vantage credit union has denied the claims & I am left without service or my money. I need for someone with authority to proove my case & rectify the situation. I am also being charged an additional $30.00 for reactivation fees that had nothing to do with me. Bringing my bill to a whopping $85.00. I need for someone to take actions on my behalf & fix this situation with a phone call or whatever is necessay. *** My phone number is ***. Something needs to be done because I'm pretty upset. I'm not blaming my credit union but Cricket Wireless. I suspect criminal activity. VCU Account***. I'm being bounced from agent to agent right now with no answers & missing funds.
As noted by the member, this is not a dispute that he has with Vantage Credit Union, but with his phone company. If the member had cancelled service with his phone company before they withdrew funds on 2/2/19, then we should be able to successfully dispute the withdrawal, especially if he can provide documentation of the cancellation and/or a cancellation number. If however, the member did not cancel service before the date the funds were withdrawn, his sole recourse is to contact his phone company. To be as helpful as possible, we have contacted the member's phone company at the number he provided to try to clear up any confusion. However without a PIN number to access his account, the phone company refused to speak to us. If the member comes into a branch, we would be happy to speak with the phone company with him there to provide the necessary PIN and to help clear up any confusion between the two parties. We have also reached out to the member at his email address (since his phone is not currently active). Vantage Credit Union considers this complaint resolved.
Complaint: ***
I am rejecting this response because:
They have the proof that I paid my bill & I asked for no funds to be returned to my account. Give me what I need to get my $55.00 back or my services reactivated.
Sincerely
institution keeps reporting a balance of $1,420 to equifax. I've contacted the business to rectify this but they aren't being cooperative. The balance was paid off on December 27, 2018. I have documentation to validate this claim
Reference: Complaint ***
*
Vantage Credit Union (VCU) was able to speak with *** on the same day that his concerns were presented to the Revdex.com. At that time *** was informed of our intention to research the item and contact him again on January 28, 2019.
After researching ***’s concerns an update was submitted to Trans Union, Equifax, and Experian to reflect that the credit card in question does have a zero balance with VCU. *** was contacted by telephone on January 28, 2019 to advise him of the update and that we would be responding the same to this complaint. To our knowledge based on the telephone conversation with *** on January 28, 2019 both parties are now considering this matter resolved.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID, and find that this resolution is satisfactory to me.
Sincerely
Vantage credit union took all the money out of my mothers account and put it into mine without giving notice and left my parents stranded in another state with no money and no way to get home. My account was negative due to me being in the hospital and took it upon themselves to take the money out of my mothers account.
December 12, 2018
Reference: Complaint ID ***
After receiving the above referenced complaint Vantage Credit Union (VCU) contacted *** on December 5, 2018. After explaining the issues at hand and the reason why the transfers were completed *** came into a VCU branch and cleared up the remaining balance to resolve and close the account on December 6, 2018. It was discovered during the process that *** had not informed VCU of her new address and that is why she did not receive the notices to rectify the account balance that were sent on: October 25, 2018, November 4,2018, and November 19, 2018.
Vantage Credit Union hopes that this has resolved the questions *** had about this process and the reasons for the transfers.