Ventura County Credit Union

Ventura County Credit Union would like to thank Mr. Spackman for bringing this to our attention.  It is our mission to improve the...

financial well-being of our members and our community.  Per our policy we do not discuss member information publicly, however we can share that after further research we will be resolving this complaint by removing the negative report from Mr. Spackman’s credit report and one of our representatives will directly reaching out to him shortly.

Complaint: 10581790
I am rejecting this response because:
Regards,
A[redacted]
I do not necessarily object , but now the check sent in my account from a scammer was deposited in my account after a 2 day hold ( which is normal and I understand the procedure ) bit the next day ( guessing ) on last week either Wednesday or Thursday ) the check for the amount of $1,470.00 was returned for insufficient funds. My question is why would the have deposited this amount in my savings ? The manager , Tina , told me it is because I am responsible to pay back this amount because I had given this scammer my account number .. she saw this on my e-mail I had forwarded to he . I was asking this ' scammer ' if he had the money to go in my savings or checking account as such and I wrote down the account number to make sure he did the correct information. This was sent to him after the deposit was done. Now the excuse for the credit union to want me to pay back his amount is totally MY FAULT .
Sorry but I have no more money . I survive ONLY on my Social Security . No institution has the legal right to touch this money it is against the law .
Why am I responsible to pay back this $1,470.00 when They made error of showing the amount in my account . I relly , honestly believed that the check had cleared . So I paid my rent , etc etc 
  
Thank-you for your time

Complaint: 10845711
I am rejecting this response because: From the attached reply from A[redacted] they he is unable to do anything to fix the issues with my account. They also didn't offer to resolve the issues. I stated that I would like to have the fees refunded.
Regards,
N[redacted]

Complaint: 10581790
I am rejecting this response because:
Regards,
A[redacted]
I do not necessarily object , but now the check sent in my account from a scammer was deposited in my account after a 2 day hold ( which is normal and I understand the procedure ) bit the next day ( guessing ) on last week either Wednesday or Thursday ) the check for the amount of $1,470.00 was returned for insufficient funds. My question is why would the have deposited this amount in my savings ? The manager , Tina , told me it is because I am responsible to pay back this amount because I had given this scammer my account number .. she saw this on my e-mail I had forwarded to he . I was asking this ' scammer ' if he had the money to go in my savings or checking account as such and I wrote down the account number to make sure he did the correct information. This was sent to him after the deposit was done. Now the excuse for the credit union to want me to pay back his amount is totally MY FAULT .Sorry but I have no more money . I survive ONLY on my Social Security . No institution has the legal right to touch this money it is against the law .Why am I responsible to pay back this $1,470.00 when They made error of showing the amount in my account . I relly , honestly believed that the check had cleared . So I paid my rent , etc etc   
Thank-you for your time

We appreciate our member bringing this matter to our attention.  After speaking with the member and researching her concerns, we were able to assist the member and provide her with full access to her accounts again.  During our conversation with our member, we explained our security...

procedures and why we took the necessary steps to protect her and her finances.  It is our mission is to deliver high-quality services in order to improve the financial well-being of our members and our community.

As Stated by the Business.
“Thank you for bringing this to our attention.  It is the mission of Ventura County Credit Union (VCCU) to...

delivering high-quality service in order to improve the financial well-being of our members and our community.  As part of our member’s service, we offer “courtesy pay”, a benefit that is meant to protect our members if they accidentally make a purchase for more than their available balance.  From the information provided, it sounds as though the member is questioning the courtesy pay fees assessed to his account.  VCCU offers members many avenues to review their account balances including our automated teller system, mobile and online banking, as well as our in person teller services.  Due to confidentiality reasons, we cannot discuss this member’s situation publically; however we encourage our member to call our Member Service Center at ###-###-#### or toll free at ###-###-####, or visit one of our branches so that we can properly review these transactions and find the appropriate resolution.”
Thank you, 
[redacted]
Director of Community Partnerships
Ventura County Credit Union

We appreciate our member bringing this to our
attention.  When funding an auto loan,
Ventura...

County Credit Union requires all members to sign an agreement to
furnish insurance, thus requiring members to provide us with proof of insurance
and to add Ventura County Credit Union as the lienholder.
 
We are sorry that our member had difficulty using our QR
code mobile platform. We have advised the appropriate personnel of this
member's experience, so that a review of the site and enhancements can be
addressed. 
 
Our correspondence letters are used to help keep our
members informed and by no means are they meant to be threatening.  With this particular situation, all
correspondence and follow up with the member were timely and within regulation. 
 
It is our policy to not discuss member information publicly
in detail.  We highly encourage our
members to contact us directly should they have any questions.  In this matter, we will be reaching out to
this member to ensure that all documentation has been received.
 
Our Insurance Service Center is available Monday through
Friday from 6:00am to 10:00pm PST by calling ###-###-####.  We believe these hours provide a sufficient
amount of time to serve our members.  As
always, our members have the option to contact a Credit Union member service
representative directly at ###-###-####.

Complaint: 11254986
I am rejecting this response because: There is no indication in the letter that they have removed the collection item from my credit report.
Regards,
R[redacted]

We thank our member and the Revdex.com for bringing
this to our attention.  It is not our policy to discuss individual member
information publicly, however we do want to address the concern at hand.
 It is the mission of Ventura County Credit Union (VCCU) to improve the
financial...

well-being of our members and our community.  Thus, when our
members are faced with financial concerns or have questions regarding their
accounts, we address them quickly and with importance as we follow regulatory
policy and procedures to resolve all matters.  We have followed proper
protocol regarding this matter and advice Mr. D[redacted] to address all further
concerns directly with our Collections Department.

I too am having a problem with overdraft protection fees. At this point I have approximately 9. The part that confused me is that 7 of them started when my balance was at $800 dollars. When I called to inquire I was told that the fees were started due to pending charges and that I would need to look at my available balance. The charges started 4 days ago, and that information is no longer available to me today.
What I am confused about is why do at time they start at $100, that is a $700 difference. Also, if it is overdraft protection, shouldn't the protection start at an actual overdraft, not the potential of an overage?
Now, I know these aren't the only complaints of this nature, I saw similar complaints on yelp. But what bothers me most is that this is the second time I have called on the same issue. Both times with different responses, so does the credit union have an inconsistent policy? Is there new computer system triggering this? Or do the customer service reps not understand the complaint?
I truly hope they can answer this, I have been a member for over 20 years and have had this protection for a little over 5 years, in that time I have never had this issue with the service until this new banking system they are now using.

Review: Yesterday afternoon on the 15th of April 2015 at approximately 11:00 a.m. I noticed that I had ' no access ' t my on line account and neither from the phone access to check my balance in my checking and savings account , They ' blocked ' my access to both WITH NO NOTIFICATION to yours truly. I am sure they are investigating . The principle of this whole issue is ' no notification' from them and problem still not solved after 6 or more phone calls from myself to anyone who answered the phone and I left many messages but no response . Just this morning at 8 :15 a.m. I called again and I was told that the supervisor is aware and she will call me back . I asked for this supervisor's name who is to return my call , Her name is Tina ...I am still waiting. What I am complaining about is the failure of not notifying me and the reason for this investigation in the collections department . I am expecting a deposit in my savings later tonight .... and I will not even be able what is going on with this ?Guaranteed that I am keeping my log in and password to myself . Thanks for your time... I am sure you will be taking care of my problem. I AM 79 YEARS OLD AND I DO NOT HAVE THE TIME TO ARGUE ANY LONGER .Desired Settlement: please have the institution solve this problem immediately

Business

Response:

We appreciate our member bringing this matter to our attention. After speaking with the member and researching her concerns, we were able to assist the member and provide her with full access to her accounts again. During our conversation with our member, we explained our security procedures and why we took the necessary steps to protect her and her finances. It is our mission is to deliver high-quality services in order to improve the financial well-being of our members and our community.

Consumer

Response:

Review: 10581790

I am rejecting this response because:

Regards,

A[redacted]

I do not necessarily object , but now the check sent in my account from a scammer was deposited in my account after a 2 day hold ( which is normal and I understand the procedure ) bit the next day ( guessing ) on last week either Wednesday or Thursday ) the check for the amount of $1,470.00 was returned for insufficient funds. My question is why would the have deposited this amount in my savings ? The manager , Tina , told me it is because I am responsible to pay back this amount because I had given this scammer my account number .. she saw this on my e-mail I had forwarded to he . I was asking this ' scammer ' if he had the money to go in my savings or checking account as such and I wrote down the account number to make sure he did the correct information. This was sent to him after the deposit was done. Now the excuse for the credit union to want me to pay back his amount is totally MY FAULT .Sorry but I have no more money . I survive ONLY on my Social Security . No institution has the legal right to touch this money it is against the law .

Review: I received this letter from ventura county credit union insurance department. Inform me that I have to provide current insurance for the new car I bought. I have made numerous attempts using QR code that was provided in the letter on my mobile phone. the mobile app which it re-directed me to "m.imcovered.com"; I entered all the required information, but the "submit" button still could not work!. I spent a total of 45 minutes trying different ways to make the "submit" button appear; and I'd make sure I have entered all the information in the fields provided. Now I received a letter threaten me I will be charged $2627.04, and this amount will be added to my loan balance. This is rediculous! The problem is that their mobile app site isn't accepting my entered information. Now they want to charge me for it.I did call the number on weekend. It says they closed on weekends. I'm very busy during the week, that's why I was not able to do so during normal business hours.THEY NEED TO FIX THEIR MOBILE APP AND STOP THREATENING WITH CHARGES.Desired Settlement: THEY NEED TO FIX THEIR MOBILE APP AND STOP THREATENING WITH CHARGES.

Business

Response:

We appreciate our member bringing this to our

attention. When funding an auto loan,

Ventura County Credit Union requires all members to sign an agreement to

furnish insurance, thus requiring members to provide us with proof of insurance

and to add Ventura County Credit Union as the lienholder.

We are sorry that our member had difficulty using our QR

code mobile platform. We have advised the appropriate personnel of this

member's experience, so that a review of the site and enhancements can be

addressed.

Our correspondence letters are used to help keep our

members informed and by no means are they meant to be threatening. With this particular situation, all

correspondence and follow up with the member were timely and within regulation.

It is our policy to not discuss member information publicly

in detail. We highly encourage our

members to contact us directly should they have any questions. In this matter, we will be reaching out to

this member to ensure that all documentation has been received.

Our Insurance Service Center is available Monday through

Friday from 6:00am to 10:00pm PST by calling ###-###-####. We believe these hours provide a sufficient

amount of time to serve our members. As

always, our members have the option to contact a Credit Union member service

representative directly at ###-###-####.

Review: My card/account has not been active since the 19th. My account was deducted 795.74 in fees. On 01/20/15 my account was deducted twice for fees in the amount of 60.00. There was two transactions taken from my account a second time, which lead to the fees. 7.96 from In and Out, transcation on the 18th, and 6.73 from Dell taco. This transaction is fraudulent as my card was declined for that charged yet, it showed twice on my card, and caused 30.00 per transaction, though I never used my card. On the 01/19th, there were four 30.00 totaling, 120.00 fees subtracted. Another second transaction from Lexington Law for 99.00. In/Out for 10.26. Another second transaction at USA gasoline for 20.00. The same Dell Taco charge for 6.73. One the 01/18th, my card was charged 8 Fees for 30.00 each, totaling 240.00. On the 16th there were four Courtesy pay fees for 29.00 each totaling, 126.00, on the 01/15th my balance was 114.26My account of 114.26 was deducted 1066.00 in fees alone...My account was not negative when they began deducting these random fees. I never used my card on the 19th, 20th, 21st, and continuing, as my card was disabled after the 19th. As of this moment of the 21st, with a disabled account, my account is still accruing fees. I have a direct deposit going into my account on Friday, 23rd, and my money I worked hard for will be gone in FRAUDULENT, ILLEGAL, Fees!!!!I cannot pay my car insurance, 200.00I cannot pay my car note, 440.00I cannot pay my rent,700.00I cannot pay my phone bill 200.00As my paycheck will be gone in fees!!!Desired Settlement: Refund all my account from the fees and cancel my direct deposit, CLOSE MY ACCOUNT!

Business

Response:

Due to confidentiality reasons, we are not able to directly discuss individual member accounts. However, with all disputed transactions, upon notification of questionable transactions an investigation will begin within 10 days (per Regulation E guidelines). Within said 10 days, provisional credit will be provided and any related fees will be refunded. Given the opportunity, we are glad to work with this member in the investigation process.

Business

Response:

Again, due to confidentiality reasons, we are not able to directly discuss individual member accounts. Should any VCCU member have concerns with their membership, we encourage them to contact us directly at ###-###-#### or toll-free at ###-###-####, or by visiting one of our branch locations. It is our mission to deliver high-quality services in order to improve the financial well-being of our members and our community.

Review: I am writing you to lodge a formal complaint about 7 fees that were charged to my account. There was one for $29.00 on 8/24/2015 $29.00 on 8/11/2015 $29.00 on 8/03/2015 $29.00 on 7/26/2015 $29.00 on 7/25/2015 $29.00 on 4/11/2015 $29.00 on 3/21/2015. For a total of 203.00 dollarsDesired Settlement: I would like for Ventura Country county Credit Union to credit all of the charges of $29.00 for the dates of $29.00 on 8/24/2015 $29.00 on 8/11/2015 $29.00 on 8/03/2015 $29.00 on 7/26/2015 $29.00 on 7/25/2015 $29.00 on 4/11/2015 $29.00 on 3/21/2015.

Business

Response:

As Stated by the Business.“Thank you for bringing this to our attention. It is the mission of Ventura County Credit Union (VCCU) to delivering high-quality service in order to improve the financial well-being of our members and our community. As part of our member’s service, we offer “courtesy pay”, a benefit that is meant to protect our members if they accidentally make a purchase for more than their available balance. From the information provided, it sounds as though the member is questioning the courtesy pay fees assessed to his account. VCCU offers members many avenues to review their account balances including our automated teller system, mobile and online banking, as well as our in person teller services. Due to confidentiality reasons, we cannot discuss this member’s situation publically; however we encourage our member to call our Member Service Center at ###-###-#### or toll free at ###-###-####, or visit one of our branches so that we can properly review these transactions and find the appropriate resolution.”Thank you, [redacted]Director of Community PartnershipsVentura County Credit Union

Consumer

Response:

Review: 10845711

I am rejecting this response because: From the attached reply from A[redacted] they he is unable to do anything to fix the issues with my account. They also didn't offer to resolve the issues. I stated that I would like to have the fees refunded.

Regards,

N[redacted]

Business

Response:

Ventura County Credit Union is doing our best to resolve

this member's complaint. We have reached out to him, however he was

unable to talk with us and we have yet to hear back from him at this

time. We urge him to contact us so that we can resolved this

matter. Again it is our mission to deliver high-quality service in order

to improve the well-being of our members and our community.

Review: This letter is a formal complaint that Ventura County Credit Union has failed to remove an unverified account from my credit report after they did not complete investigation into the item I disputed. The Fair Credit Reporting Act requires that a data furnisher investigate in 30 days any account that is officially disputed by a consumer. This data furnisher has failed to comply with FCRA regulations by refusing to remove the disputed item from my credit report for their failure to respond to my requests for documentation. I have already provide this data furnisher several opportunities to comply with my requests but they continue to ignore my requests and don’t respond to my letters. They continue to willfully violate the FCRA as they receiving my requests, yet they do not respond. This must stop! I have included copies of all the communication I have mailed this data furnisher with continued no response. Please take time to review my requests. You will see that all of my requests have been made pursuant to the FCRA and I have provided more than the legally required time to complete. I need your company to enforce the regulations of the Fair Credit Reporting Act and requirethis company to remove this account from my credit report. Enforce these regulations and show their offices that the FCRA does mean something and that they cannot continue to operate only in the interest of money and without penalty. Credit reports and those credit scores derived from these reports are paramount to life as an American citizen. Anything and everything that we do is related around my credit report and credit score. This is a serious request to investigate this company and the policies and procedures they use to report accounts on a consumers credit report as there is obviously suspect practices in place. The credit bureaus must be held liable for their willful violations of the Fair Credit Reporting Act. They cannot be continued to operate with such illegal an unethical practices. Your offices must step in and uphold the laws of the FCRA and demand the immediate removal of this account from my credit report.Desired Settlement: Please accept this letter as a formal request to investigate the information you are reporting on my credit report. I am requesting copies of the documents your offices have used to verify this information. After reviewing my credit file and this account in particular. I feel that there is inaccurate information reporting on my credit report. Due to these potential inaccuracies, I am requesting, pursuant to the Fair Credit Reporting Act, documentation to prove that what you are reporting is accurate. Please supply the below documents: Copy of the original signed contract bearing my signature and the terms and conditions of the contract. Copy of the billing statements for the period that you are reporting my account as derogatory. Copy of your billing system records. 1076830 – Ventura County CU – Fix your records and remove the 30 days late payments from my account. I was never late.