| 09/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Refer to the initial CFPB complaint against America First Credit Union on XX/XX/2020 XXXX. America First responded on XX/XX/2020 at which time the complaint was closed. The last thing I heard from XXXX XXXX about the XXXX was that the sale was put on hold and I just found out yesterday that it was sent to auction and all my items have been disposed of. I was never provided with the Intent to Sell document that she had provided to me in the response to the complaint filed by me in XXXX. I have emailed the Attorney General which I will copy it into this complaint so you can see why America First has violated my right to financial privacy on several occasions. Per the Repossession law.. I was supposed to be notified with the Intent to Sell information which I wasnt so they took the right for me to make a decision on if I wanted to pay it or let it go to auction as well as information as to where and when the auction is to take place. I didnt get the chance to get my personal items which did include sensitive and confidential documentation. I will paste the emails that I have sent to The Attorney General below.
From : XXXX Date : XX/XX/2020 at XXXX XXXX MDT To : XXXX Subject : America First Credit Union Repossession Error.
Good Afternoon, My name is XXXX XXXX and I have had an ongoing issue with America First Credit Union for 7 months now regarding my vehicle being repossessed in error. My husband lost his job in XXXX of this past year and we did fall behind on all of our bills even to the point that we got evicted from the home we lived In because my income was not enough to cover all our expenses. Both my husband and I had vehicles financed through America First Credit Union and due to the fact that we lost such a substantial amount of money, he talked to America First Credit Union about doing a loan modification for the vehicles. My husband has most of the details and the email form for the loan modifications. My husband was advised that we needed to pay one payment on the vehicles and the loan modification would be sent over to the correct department that handles processing the paperwork. We did not receive any documentation that the modification was denied so we figured all was good and that was one less worry on our plate. My cousin was generous enough to let us stay at his home for a few weeks which was also a relief. So now down to the actual issue Im emailing you about. My husbands vehicle had a flat tire so he needed to drive my XXXX to work. This was on XX/XX/2020. He went out for a break and my XXXX was gone. With only a phone call to America First Credit Union he was advised that the XXXX had been repossessed for non payment. My husband inquired about the loan modification paperwork and after several and I mean several phone calls it was admitted that the teller misplaced the paperwork. We have been dealing with this since XXXX when it was repossessed. I can not tell you how many phone calls but probably in the 100s that my husband had made to them and on about 4 different occasions we were told that under the different stipulations by different agents that I could get the vehicle back. I actually ended up filing a complaint with the CFPB and as of now the case is closed and nothing has been resolved. I will gladly email you a copy of my complaint as well as America First Credit Unions response to the complaint. I called her to have her explain to me why her response was what it was. The response consists of nothing but lies and when I questioned her about the response she kept saying that their systems show nothing of my husband going in on XX/XX/2020, that their systems indicate that in XXXX when my husband turned in the second loan modification that it was said I was not interested in keeping the vehicle because they were not willing to release it. I can forward you a voicemail of XXXX XXXX who is the primary contact I have not had the pleasure in dealing with going into depth about my complaint and of course since it was a voicemail there is no verification she just went on about it all. Yesterday when I called her she did not verify me either. My husband had called numerous of times and spoke to different agents who did not request verification from me. The list goes on and on.. somehow they dont have the video of my husband going in on XX/XX/XXXX but they do have the XX/XX/2020 video. They have admitted it was their error in misplacing the original paperwork so I requested my loan be for given after 7 months and it be released to me which they are refusing to do. All XXXX says is their systems this and their systems that and I am curious as to what systems they have that they are basing this huge lie they are continuing to battle with me. I truly believe that they have attempted to dispose the evidence and are not aware that everything is recoverable. Like I mentioned there is so much more that I am happy to share. Im hoping you can help me. My phone number is XXXX. If I dont answer, I will take a break and call you back. Thank you for your time.
Sincerely, XXXX XXXX This is the second one that I sent yesterday XX/XX/2020 Good Evening, I am reaching back out to you in regards to the first email I sent back on XX/XX/2020. I was referred to you to help me with this so I emailed you. I know with everything going on in the world right now things may have a longer response time however, This issue has now escalated to the point where the XXXX was sent to Auction, all my belongings that were in the XXXX have been disposed of. There was a primary point of contact which was Ms. XXXX in the Complaints Management department. Again, back when I received the complaint response she sent a Intent to Sell letter dated on XX/XX/2020 which I actually never received otherwise I do not know why she mailed that to me but moving on. I have the voicemail from her back in XXXX stating that there is a hold on the XXXX from being sold or auctioned which obviously dismissed the Intent to Sell documentation they have dated XX/XX/2020. Ms. XXXX failed to tell me that the XXXX was released to send to auction, my belongings are gone which some of them have confidential information on them and I was not informed of any of this. My husband called the Lost Recovery Repossession lot for America first. This should never have happened in the first place but the Credit Union and Ms. XXXX have continued to break the law by not notifying me that it was being sent to auction and I had a window to which I could get my belongings, I received nothing about the auction information as in where it will be auctioned at and what date and time. I have filed a complaint with the FTC and again referred to you for a resource that handles these issues. I do have a medical condition that has worsened during this 7 month time frame and it continues every day when some else pops up and now the vehicle is gone, my stuff inside is gone without any warning at all. These people have violated my financial privacy on multiple occasions, Ms. XXXX cut off all communication after the complaint process was closed so therefore again the repossession laws were violated because I was not notified of anything regarding the sell or auction of the vehicle. After the complaint was closed I did tell her that the issue is not over because I was done so dirty on this and that I was not done with them and I will escalate higher so she needed to not do anything with the Jeep or my belongings inside it which America First Credit Union just dismissed my request and now it is gone ... Again, I was referred to you for assistance because all of the violations the Credit Union has against them from what they have done. Do you help me? This is a big deal, so many illegal acts and unethical practices from them. With all of the madness in the world right now, this should not be happening and if they get away with doing it to me chances are they have and will continue to harm other people in this manner. You, Sir are the top person to go to and I need your help. I am emotionally drained, my medical condition has been pushed off the ledge but I will continue until someone confronts them and punished them for their actions.
Sincerely, XXXX XXXX I have filed a complaint with the FTC as well. I am filing another one with you and maybe it can be escalated to the CEO Mr. XXXX XXXX. I want Ms. XXXX XXXX to be held personally accountable for the not only violating my federal rights but as well as violating State Laws regarding repossessions. In this next statement I will not give my 100 % that this happened but I do believe that America First Credit Union has attempted to erase or delete some conversations my husband had over the phone with different representatives as well as the video surveillance from XX/XX/2020 when my husband went into the XXXX branch to turn in the loan modification paperwork that was misplaced therefore the Jeep was repossessed. The only reason I would even mention this information to you is because XXXX XXXX told me that they do not have and did not through their entire investigation have the video surveillance from XX/XX/2020 but that they do have the video on XX/XX/2020 when my husband took the loan modification paperwork into a branch. The Credit Unions response to the CFPB complaint filed by me back in XXXX is just a bundle of lies which they have no evidence to back it up. They have violated violated both Federal and State laws which they need to be held accountable for. I know that they will see this complaint because they need to know who I have contacted and my next step is to reach out to the Attorney General for the United States, Mr. XXXX XXXX XXXX if this is not handled swiftly. And the individuals who have been appointed as the team that led up to this point are disciplined appropriately and lawfully.
|
| 04/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
My husband & I purchased a vehicle XXXX of XXXX. XXXX XXXX XXXX XXXX. We were solicited on Sunday through XXXX by a CEU of XXXX XXXX XXXX XXXX. We met the CEU at XXXX XXXX XXXX in XXXX, Ut. The XXXX told my husband & I that he had many repos he needed to get rid of. That he kept them at XXXX XXXX. He told us that we could choose whichever vehicle we wanted with a {$500.00} down payment. The vehicle we looked at was the dodge journey that we purchased. We were told it was XXXX, had back up camera, navigation, towing kit. That it was the top model. The XXXX had our loan done in 30 minutes including the test drive. He had told us that it was a 5/6 year loan at 9 % intrest rate & that we were buying it for {$15000.00}. He told us multiple times he was " losing money on this deal ''. When we were signing the paperwork he made me purchase gap insurance even though the gap insurance part of the contract had a warning sentence saying we did not have to have gap insurance to purchase the vehicle. The total did not add up to me as it was {$17000.00} on paper. We had given him {$500.00}. So the car should have been {$14000.00}. When the papers were finished he gave the manager/owner of the XXXX XXXX XXXX an {$18000.00} check. I was confused at the amount & for giving the dealership the check when he was the XXXX of the bank. The loan was through him not the dealership. I asked what it was for and the amount. He said it was the total with interest over the amount of the loan. ( I never taking a car loan out before without a parent had no clue that wasn't true ) He also said it was including license registration and fees. He also mentioned that he just had the dealer do all the paperwork so we didn't have to register it. It happened extremely fast. A few days later noticed the amount & interest rate was wrong & went to the bank to get it resolved. They assured me everything on their computer and the filed paperwork was correct. I made. $ XXXX {$400.00} payments, but they were wrongly recorded. A few months later. My husband made a payment for the car for {$350.00} & we were told it was {$22.00} short. Our car payment was originally {$230.00}. We looked at the loan & our loan was up to {$20000.00}. We previously only owed XXXX from the payments we had made. The bank gave us the run around. We got the loan back XXXX to XXXX & then it went back up to {$20000.00}. We didn't understand what was going on. The bank kept giving us the run around. Some payments were never added to my account. The XXXX that sold us the vehicle had quit by this time. ( He is the one under investigation with the FBI ) I Later found out that he had his dealers license. XXXX XXXX XXXX XXXX was audited for a year a least. The IRS was there daily. The XXXX XXXX XXXX XXXX was closed down by the government & all accounts merged to America First Credit Union. There was also an open investigation done by Utah XXXX XXXX XXXX XXXX. I was contacted by the XXXX from XXXX that was overseeing the case with my vehicle. The FBI took the information from the XXXX & is now going forward with their bank investigation. I can not get any information from anyone regarding my vehicle. I've called the XXXX from the XXXX & the FBI.
Now that America First Credit Union has the loan they are doing nothing to ensure the issue is corrected. The loan they have is for a completely different vehicle then what we actually had/ financed. The loan is standing again at {$16000.00}. As soon as America First Credit Union had the loan I reached out trying to figure out what was going on with the investigation. I had recieved no help until called in to get my balance & an employee in the collection Division listened to what happened with the vehicle & vehicle loan. She went up with her supervisor & her supervisor said they were going to do nothing. I spoke with the Supervisor who told me that the car was refinanced in the month of XXXX ( I am unknown of the year ) & I had signed other documents. I only signed the contract when the vehicle was purchased. I never refinanced the vehicle or signed additional documents except for one. The XXXX had told me that I forgot to sign something & if didn't sign it he would take back the vehicle. I don't know what the document was. It was a year after the vehicle had been purchased. I mentioned to the supervisor that I never refinanced the vehicle. It was forged if it was there. She told me it looked like my signature & that if I didn't like the payments she'd come get the vehicle. The phone call ended badly. I called back to speak with other people trying to get the issue resolved. I called the local CFPB of Utah & was told that the bank had assumed the loan so they assumed all responsibility & needed to correct the issues. America First Credit Union did not do anything. They repossessed the vehicle & took. {$1100.00} from my economic stimulus payment for the car. That amount was taken from my checking & moved to the car loan. Only the EIP funds were deposited into the account. I went into a branch & spoke with a manager who contacted collections while I was in the office & they had told me everything would me taken care of & looked into. I was also told by the manager that it might be an option for them to sell the vehicle & then work with the FBI to recover the remaining balance so I wouldn't have to owe anything. I now received a bill for {$17000.00} for a vehicle that I do not possess & have paid at the very least {$15000.00} for. I've calculated {$18000.00}. Had the loan been done legally, ethically & correct we would have never taken out the loan we were solicited on a Sunday. That alone is not legal. If the loan held up then we at least would have the title. The book value for our vehicle was XXXX clean retail. Our vehicle was sold with engine repair needed & dents with rust from an accident & should have been less. Especially if the XXXX was " loosing money on this deal ''. I have been very upfront with America First Credit Union about the whole situation. I told them my intentions have always been to pay for the vehicle, but for the corrected amount & the loan needed to be looked into & fixed. I became so extremely frustrated because nothing was getting looked into I told the Credit Union I wasn't going to Make another payment until something was done about this issue. That is was serious & I should not pay double for the XXXX fraud. The woman I spoke with today said there was no mention of what happened with the city center credit union regarding my vehicle & account. Also that the legal team over the bank had no knowledge of the situation. I've reached out numerous times. I've called & emailed trying to get a resolution. Another issue to add to this all is. I have not recieved any information about the repossession on my vehicle. No mailed letter, not even an email. The only reason I knew was because I brought it up to the banker when I went into the office. I have had no opportunity to collect any belongings inside the vehicle. I have had no opportunity to make the payment of past due amount. I have not had a choice of to refinance the loan, take my car back or have them auction off the vehicle. I have had no information regarding the repossession of the vehicle & it has been gone from my home over XXXX weeks. There are a few issues or many with this situation. The car loan, the repo, taking the EIP out of my account.
Had none of the other issues happened & this was a normal loan the bank has offered no services or help to us. My husband & I have been financially strained due to covid. He has been temporarily laid off until his work gets more business. We would have needed to work out a plan for the car loan during the uncertain time we are in. None of the employees or departments of the Credit union have reached out or given us any options or additional help for car loan. We have no idea what opportunities are available to those struggling with car payments. We would have just been blindsided by a repossession & no following information.
I apologize this is so extremely long. It's not your average situation & I wanted to include as much as information as possible. There is more I am sure I'm leaving something out. I am uncertain of which type of complaint this would fall under? I do know that 2 different financial institutions & a car dealership are involved with this. So maybe there are multiple complaints. I know the names of all people mentioned & I have the original MVED complaint my husband & I filed. I was trying to leave out names. Email is best. Thank you
|
| 12/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AMER FST CU & {$5100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 02/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Hello, my name is XXXX XXXX XXXX my account number with this financial institution is XXXX and XXXX. America First Credit Union has infringed upon my rights to privacy under the Fair Credit Reporting Act 15 U.S.C. 1681. On XX/XX/XXXX I the consumer realized that this institution was in violation of multiple fraudulent violations of the FDCPA law & the TILA law. On XX/XX/XXXX I initiated a credit transaction for my vehicle with this financial institution and a finance charge was involved, which was originated from my initial credit card. In the initial communication for my auto contract, this financial institution did not disclose who they are, and what their initial intentions were to attempt to collect a debt failure to disclose this information is a violation under 15 usc 1692e ( 11 ). Five days after the initial communication, this financial institution did not give me my rights to dispute or any information how to. which is a violation under 15 usc 1692g ( b ). Also, my insurance premium was not included in my initial credit transaction for my XXXX XXXX XXXX which is a direct violation under 15 usc 1605 ( 5 ) ( C ). This deceptive unfair practice on my consumer report shows payment history on a credit transaction involving a finance charge is in violation of 15 usc 1605. I have not given written instruction as the original creditor defined under 15 usc 1602 ( g ) to this financial institution to furnish unlawful deceptive information on my consumer report, or has asked for my permission to furnish anything on my behalf this is a direct violation under 15 usc 6802 ( b ) ( A ). This institution has been reckless exposing my privacy by reporting all my initial credit transactions to the consumer reporting agency which should have been exempted from my consumer report Is in violation of 15 usc 77d ( B ), opting out of any reporting agency is my right under 15 usc 6802 ( B ). This institution has sent me multiple forms via mail not related to the collection of such alleged debt is a violation under 15 usc 1692g ( e ). Those letters also disclosed symbols which signify they are in fact in the debt collection business, is a violation under 15 usc 1692f ( 8 ). This financial institute has caused me stress, and financial hardship with this misleading representation is a violation under 15 usc 1692 E ( 2 ). On XX/XX/XXXX XXXX the consumer sent out letters via mail upon return receipt of these validations and alleged debts ; cease and desist letter, exhibits of violation, allegations in affidavit, notary to identify my identity, and an invoice. On XX/XX/XXXX this institution received my letters on XX/XX/XXXX I received a reply via mail, stating that this financial institution has not committed any violations under the FDCPA my exhibits show clearly, they have. This Institution has not validated the debts with the requests that I clearly stated for my auto loan, credit card, and line of credit instead they have sent me allegation which I dont agree with. This institution has failed to rebut allegations in the affidavit, any statement not denied shall be deemed to be admission which is a violation of 12 CFR 1102.22 ( b ). On XX/XX/XXXX I made contacted with America first Credit Union to discuss this issue over the phone, I asked to speak to someone that could deal with my issue for updates, I spoke with the supervisor in the collection department she has stated to me that the alleged debt was in fact mine, and that they have verified it ( somehow ) if the full payment was not meet for this finance charge, they have threatened to reposes my property. The only way they have the right to do that is with unlawful acts which is a violation under 15 usc 1692f 6 ( a ) ( b ). The debt collector advised me that my debt would be discharged. How could a debt be discharged if it's in the positives? Debt collector have used obscene languages and advised me that my reputation will be at stake, this is in direct violation under 15 usc 1692d ( 1 ) ( 2 ) And the representative also advised me that America first Credit Union is the original creditor, I asked if the representative was an attorney to take such bold claims and, they replied that they were not an attorney. I also notified them that I will be representing myself as an attorney. This company has used fraudulent interstate transactions to obtain money by sale of security agreement with untrue statements of misleading representation, this Is in violation of 15 usc 77q ( a ) ( b ). This financial institution has charged me cash advance fees and other fees on my credit card totaling to {$22000.00} from the year XXXX to XXXX just on fees that is a violation under 15 usc 1692H. I have made several deposits and extended this institutions credit and, I have not benefited from anything in my initial account I initiated with them this is a violation under 15 usc 1602 ( p ). I the original creditor have made multiple payments on these alleged debts that the debt collectors assumed was valid which is a violation under 15 usc 1692h and 15 usc 1692g ( 3 ). I would like these payments mailed backed to me by check. This financial institution has put me in numerous barriers so I demand reparations for the damages which is a violation under 15 1692 k ( a ). If this financial institution refuses to do business with me do to me exercising my rights, I will assume that I am being discriminated. If the financial institute remits payment of any federal violations listed, legal action will be taken.
|
| 04/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I entered into an arrangement with America First Credit Union on XX/XX/XXXX. Due to my financial situation caused by the COVID pandemic. I never received a physical copy of this agreement. All communication was done via email and one phone conversation. Never in any communication did the loan officer tell me that my car was going to be repossessed. The arrangement is as follows : ____ Here is the arrangement. You will also be receiving a letter in the mail regarding this information for your records. If you have any questions please let me know.
Approve XXXX months interest only payments on Auto Loan 3 for XXXX XX/XX/XXXX. You will pay {$150.00} for XXXX, {$150.00} for XXXX and {$150.00} for XXXX.
Your contractual payments resume in XX/XX/XXXX.
You are required to call in after payments are made to have due date updated.
You will run delinquent and be reported to credit until your loan is brought current. Your XXXX payment will bring due date to XX/XX/XXXX, then your XXXX payment will bring due date current to XX/XX/XXXX.
Your contractual payments from XXXX XX/XX/XXXX will be going to paying off remaining unpaid interest on loan. Once the XXXX payment is made we will do a one time courtesy and forgive approximately {$350.00} in remaining unpaid interest to resume your principal and interest payments in XX/XX/XXXX.
XXXX I was unable to make the first two months of payments. But as the agreement states that I have till XX/XX/XXXX before my contractual payments resume to fulfill the agreement. I am an XXXXXXXX XXXX Because of COVID I get small amounts of money and saved them to make the lump sum before XX/XX/XXXX. I just needed to make a little more money which I would have been able to do in the 6 days before. XX/XX/XXXX. But AMERICA FIRST CREDIT UNION repossessed my car on XX/XX/XXXX 6 days before XX/XX/XXXX.
I saw the tow truck through the window. I went out to the guy. I was in utter shock. I asked him what and why he was putting my car on a tow truck. He said America First sent us to repossess your car. He said I would have come up to your apartment but America First didn't give us an apartment number. I said do you have to take my car now? I am not understanding why you are taking it, its my livlihood. He said now that it is on the tow truck and I scanned it and put in the system there is nothing he could do now. I asked " So if America First would have given you an apartment number you could have stopped taking my car? '' He said " Yes, but now I have to take your car. '' I said " well just take it out of the system. Delete it ... I will go call America First ''. He said " I can't '' I said How am I going to get back to XXXX XXXX? I was left stranded in Wyoming.
My car is my livlihood. I need my car, I am an XXXXXXXX XXXX.
Just a 4 days earlier I had to get my car clutch replaced and new rotars and brake pads. I had to replace these because otherwise I wouldn't be able to drive my car, my clutch went out and I could n't drive my car.
I called America First and asked them what was going on.
I talked to XXXX first. He said well you didn't pay XXXX XXXX or XXXX. I said " It's still XXXX, I had to make repairs on my car. I have 6 days to get everything paid. For an XXXXXXXX XXXX it is possible. But i can't do it without my car. '' XXXX said there is nothing I can do. You pay the remainder of what you owe on your car which is {$15000.00} - which includes the repo fees. I almost fainted. My car has XXXX miles on it. its worth {$4000.00} at the most. I said ... is there any leniency because of the pandemic we are in and the fact that I had to just get the car fixed?
He said no. I asked to speak to a manager. She was very rude and kept repeating herself as if I didn't understand what she was saying. Although I repeated what she said and told her I understood what she was saying. I then asked her where in the agreement I was given on XX/XX/XXXX, does it say that my car would be repossessed at any point ... .. It doesn't. She wouldn't answer me. She just kept repeating to me that if I wanted my car back I would have to pay {$16000.00}. I asked why they didn't call me to see why i hadnt made a payment. I had told her what was going on when applying for the latest arrangement. She said " why would we call you when we are trying to reposes your car. '' I asked. " So how long you have been wanting to repossess my car? It sounds like you weren't planning on honoring our arrangment? '' She wouldn't answer any of my questions or try to work with me. I begged and pleaded, '' " it's my only way of making money, I need to take my daughter to school. '' she said " your car has been repossessed. You will need to pay the {$16000.00} to get your car back or it will be auctioned. '' I said " have been talking to you guys about my situation during this pandemic since XXXX, I just need the 6 days and you will have the money. '' She said its too late, the car has been repossessed there are no other options.
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Dear XXXX, I am writing to submit a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a transaction I entered into with XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, az XXXX XXXX concerning the purchase of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX. My concerns pertain to multiple violations of federal regulations and consumer protection laws, which I believe warrant immediate investigation by the CFPB, in coordination with other relevant regulatory bodies.
The key issues I wish to bring to your attention are as follows : Delay in Contract Disclosure : After purchasing the XXXX XXXX XXXX XXXX on XX/XX/XXXX, I electronically signed the contract, but I did not receive a copy of the contract until XX/XX/XXXX, despite requesting it earlier. This delay in providing the contract raises concerns about transparency and compliance with federal regulations, particularly those related to the disclosure of financing terms and agreements.
Attempted Revocation of Security Interest : Upon receiving the contract, I performed a UCC 11 search and discovered that the company had not perfected the lien. Under UCC provisions and other regulatory bodies, this suggests that the company may have sold the contract on the secondary market. In response, I sent a letter of remission to the company to revoke security interest, right to title, right to insurance, and right to repossess. It is my understanding, in accordance with the UCC and related regulations, that once the debt is sold, it is no longer my responsibility as the investor. However, the company responded by asserting that the debt remains my responsibility.
Negotiable Instrument for Payment : Following the company 's response, I sent a negotiable instrument for payment, registered mail # XXXX XXXX XXXXXXXX XXXX which is recognized as legal tender under law, properly endorsed to the company for payment, in accordance with CFR 31 328.5-6, to be turned in to the US Treasury as it so states. Despite my compliance with the relevant regulations, the company has neither applied the payment to the account nor released my title, and they have not deposited the original principal or the monthly interest payments as required by regulations.
Discrepancies in Handling of Debt : It appears that the company may be selling my security interest while retaining the dividend profits associated with the XXXX number on this account. Furthermore, they have failed to return the negotiable instrument, have not applied the payment, and have not responded to my list of violations against my consumer credit.
This company has also taken adverse action against my consumer credit which is also not legal.
Considering the seriousness of these issues and their implications for my rights as a consumer, I request that the CFPB initiates an investigation into this matter. Additionally, I believe that the involvement and coordination of other relevant regulatory bodies, including but not limited to the Federal Trade Commission ( FTC ), Securities and Exchange Commission ( SEC ), XXXX XXXX XXXX XXXX ( FINRA ), and Internal Revenue Service ( IRS ), may be necessary to ensure a comprehensive examination of the alleged violations and a resolution of this matter.
I have enclosed copies of the relevant documents, including the contract, UCC 11 search results, correspondence with the company.
I appreciate your attention to this matter, and I urge the CFPB to take prompt and appropriate action to protect my consumer rights and investigate the potential violations of federal regulations and consumer protection laws Thank you for your assistance and commitment to upholding consumer protection and financial integrity.
Sincerely, XXXX XXXX XXXX
|
| 07/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Company in dispute America First Credit Union XXXX XXXX XXXX XXXX UT XXXX XXXX In XXXX I purchased a XXXX XXXX XXXX financed in the amount of {$21000.00} VIN # XXXX. Within 9 months of me having the vehicle it begin to have major engine issues which caused me to put the vehicle in the shop because it was inoperable. I was not able to use the vehicle 9 months after the purchase date. The vehicle went to 3 different repair shops because the issue couldnt be identified. The vehicle sat at the 3rd and final repair shop for months because they could not identify the exact issue causing the malfunction either. The 3rd shop was XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX XXXX advised I was sold a bad car, the car was a lemon. Once the repair shop finally came to a conclusion of what the issue was I was advised it would be over {$7000.00} to fix the vehicle. I was also advised by the repair shop even with the {$7000.00} repair the vehicle would still have electrical issues. I did have a extended warranty on the vehicle at the time but because the mechanical work cost was high the extended warranty company found a loop hole to not cover the vehicle. I reached out to American First Credit Union multiple times about the vehicle and asked my options because of the situation. I was advised at the time by a representative named XXXX it was in my best opinion to return the vehicle as a voluntary repo and that she would zero out the balance, ( which she never did ). XXXX also authorized a repair in my name for the vehicle in the amount of {$4400.00} that I was unaware of, it was unauthorized and paid with a company check ending in XXXX. This charge was later added to the balance after the vehicle was sold at a private auction the charge was described as other fees/charges in the explanation of deficiency balance letter. I advised America First Credit Union to pick up the vehicle from the repair shop as is ( un repaired ). The vehicle was repossessed from the repair shop. Months later I received a letter from American First Credit Union, a notice of intend to sell letter dated XX/XX/XXXX which states the amount required to redeem the vehicle back was {$27000.00}. After the vehicle was sold I received a 2nd letter from America First Credit Union on XX/XX/XXXX that stated a different balance. This letter states my balance in full was in fact {$20000.00} and decreased to {$15000.00} after the vehicle was sold, it did not state the original balance that I was given to redeem the vehicle. There was a difference of {$6700.00}. The account was charged off/written off XX/XX/XXXX in the amount of {$15000.00} and the account was closed. I reached out to American First Credit Union via phone and spoke to XXXX XXXX in the recovery department about the inaccurate information on XX/XX/XXXX and asked for a explanation of the two different balances and why the balances were so drastically different when the circumstances did not change and no payment had been made to decrease the balance after the repo. I was not given any explanation, instead after I reached out to America First Credit Union in a dispute submitted in XX/XX/XXXX about the balances and asked them to verify the information and send my documents verifying the balance they increased the balance on my credit report by {$6800.00} making the balance in full now {$21000.00}. I have not been provided with any firm information or documentation as to why I keep getting different balances and why the balances keep changing drastically. This information is inaccurate and inconsistent. I would like this removed off my credit immediately as it violates my FCRA rights.
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
|
| 10/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Good Afternoon, I am filing yet ANOTHER COMPLAINT against XXXX and their subsidiaries for failing to DELETE and REMOVE invalid data from my credit report. As of XX/XX/20, XXXX has notified me ( via online ) that more OLD NEGATIVE information is reporting, on accounts that were less than 30 days ago, CLOSED, with a ZERO- BALANCE. It should be noted that as I have attempted to correct my credit report to reflect my actual information, XXXX has engaged in the illegal practice of UPDATING and RE-AGING old account information, post investigation, thus hurting my credit score. This is a clear violation of FRCA Article 609 XXXX FAILED TO GIVE PRIOR NOTICE of pending negative information and ; FRCA Article 611 Section 5a, 5b, 5c - XXXX FAILED TO TAKE STEPS TO PREVENT TO REAPPEAR. I feel that XXXX is engaged in very malicious and predatory acts against me. I also feel that XXXX is racially discriminating against me for failing to take proper action regarding my credit reporting and scoring. Since XX/XX/XXXX, due to their negative actions, lack of proper and thorough investigations, and illegally re-aging accounts after a dispute my score has suffered a drop of more than 40 pts. This represents a clear violation of my Fair Credit Act and Civil Rights Act protections under law. I have sent XXXX several letters, proof of payments, court documents, and other items to prove the validity of my disputes and deletion requests under my FDCPA, FCRA, and Nevada State Consumer Law rights. XXXX has also engaged in deceptive score practices against me, showing one Score that is higher at one vendor, and lower at others. This practice has caused me to be either offered exorbitant interest rates or denied credit offers all together. It should be noted that the other 2 major credit reporting agencies, have taken the necessary steps to update my credit as I have requested, and my scores and report reflect the correct information, reflecting my actual creditworthiness. XXXX and their failure to follow suit, forces me to believe that they are intentionally failing to update my information to reflect and match the ACTUAL information in relation to my identity and my true credit reporting. From my initial investigations, XXXX, within the last 5 years ( XXXX ) has been party to and has been found guilty or settled on several court proceedings against them for these very actions. This is not a DUPLICATE complaint or dispute. This is a NEW DISPUTE in a series of disputes against XXXX regarding their treatment of me and failure to act in according to the law. From my interactions in writing, online, and via phone, I feel that I have exhausted all of my options for an amicable solution with XXXX. I am asking the CFPB to use all of their investigative powers to act on my behalf. I am currently seeking an attorney who is well versed in consumer credit litigation, if necessary, to assist me in beginning legal proceedings against XXXX and the creditors in which they Robo-verify false information for, regarding my attempts to correct information my my credit report. I want to thank the investigators at the CFPB for their time and tireless work on behalf of consumers like me who are being treated harshly and many times illegally by for-profit credit reporting agencies, like XXXX. I am giving notice to XXXX and all false creditors that I am filing a lawsuit against them for their illegal actions against me as described above. Any and all stall tactics, boilerplate responses, and failure to render the proper remedy, will all now be used as evidence along with the several complaints filed to the court.
I look forward to seeing each party in litigation.
Cordially, XXXX XXXX XXXX XXXX
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
RE : America First Credit Union Predatory lending Identity Theft Fraud Willful intent to commit harm Conspiracy to commit harm Willful intent to commit financial harm Conspiracy to commit financial harm Denied {$800.00} loan to repair car, while stranded out of town. Would ONLY give a {$13000.00} used car loan. Then, like magic, America First offered {$500.00} overdraft and a {$500.00} visa after. Which would have covered the {$800.00}.
FRAUD 1 : XX/XX/2023 applied for loan with America FirsXXXX XXXX XXXX, XXXX XXXX UT the NEXT month social security confirmed as did XXXX XXXX they were contacted and told to change address for Social Security payments to an address in XXXX XXXX UT.
Note : No one but Social Security and XXXX have that address but America First.
All other credit was obtained in New York.
FRAUD XXXX : Member with perfect credit, paid XXXX ( XXXX ) auto payments and then {$500.00} each trip ( amounts on overdraft and visa ) when told the registration documents were sent to XXXX, CO XXXX. Each time they documents were not there. Note : loan contract Pg 4, No. 5 item 7 : agree " not to title the property in another state without telling us. They were obviously told. Asked America First repeatedly for documents and they ignored requests. Thus member unable to register/use the vehicle and had to pay an additional {$250.00} to store the vehicle, {$300.00} to renew registration with the old vehicle, lost {$2000.00} by not being able to sell that vehicle in the high XXXX market.
XXXX. THREATS OF HARM : XXXX XXXX of America First, believed to have attempted to embezzle client SS payments, " purposely '' tried to set client up by withholding documents and then accusing member of not curing the loan. She stated : You will keep making those payments or we will ruin your credit AND take the car. This is her response to please take the keys/car.
America First Vps made and broke appointments. Managers at different locations all refused to 1 ) talk to member without an America First witness, 2 ) refused to take the car back three times as requested and XXXX ) when asked Where are the documents. Why havent you provided them. Refused to answer either question or provide the documents. Member provided written Notice of Breach of Contract to America First beginning of XXXX. What else could member do?
XXXX payment due XX/XX/XXXX and late XX/XX/XXXX. Not thirty days late and despite voluntarily providing the keys for three weeks prior member was hit with a hostile REPOSSESSION.
XXXX. SLANDER DEFAMATION : On XX/XX/XXXX America First REPOSSESSED IT FROM THE STORAGE LOT IT WAS PARKED IN. And further breached all privacy by providing all sorts of personal information to a vendor who is retained through our LLC. The bank breached all confidentiality along with breach of contract.
This is a planned and executed economic hit. By failing to provide the documents and then accusing member of failing to cure the loan by not registering the car is felonious behavior at best. Credit is perfect. Payments to all vendors, perfect. What is wrong with this picture? Credit bureaus before and after all support clean credit.
NOTE : This was not a unilateral agreement. America First never performed. Federal law states one party is not required to continue to perform if the other has not. They have the car, their intentions are to ruin members good credit but that can not legally, legitimately occur.
FINAL OUTCOME REPORTS TO CREDIT BUREAUS : Car loan paid as agreed. Closed. No further action.
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts.
Secondly according to the 15 USC 1681.The law clearly states.
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
(
4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
1. Account Name : XXXX XXXX XXXX XXXX 2. Account Number XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately.
I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy.
In addition, I demand to have a copy of my updated consumer report once the following changes have been made.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I purchased my vehicle on XX/XX/19 and signed an open-ended insurance policy with XXXX XXXX XXXX in the amount of {$2.00} per month times every {$1000.00} of my loan amount ( {$13000.00} ) for Life/Death and Disability coverages with America First Federal Credit Union, which should have been around {$32.00} per month. I had an injury on XX/XX/XXXX that put me out of work from XX/XX/19 to XX/XX/19. I called America First on XX/XX/19 to have them open a claim on my behalf since they were the ones paying the insurance premiums from my monthly payment. XXXX XXXX XXXX made a payment on my Personal Loan on XX/XX/19 but did not make a payment on my Auto Loan, so I called XXXX XXXX XXXX to find out why. They informed me that I did not have coverages on both of my loans and I would need to call America First Federal Credit Union for further clarification. So I called them and they reiterated that I did not elect for coverages when I signed on my Auto Loan in the dealership on XX/XX/19, which is contradicting to the paperwork that I have that states otherwise. I agreed to sign up for coverages again to make sure that I would really be covered in the event of an accident since they stated that my first insurance document was invalid. I was told over the phone that the coverages would cost me about {$2.00} per month, and I agreed. It was a different amount on the document they sent me to sign, which instead was adding a total amount onto my loan of {$1200.00}. I was charged {$19.00} on my loan payment for XX/XX/19, and I was told that I had coverages with XXXX XXXX for XX/XX/19 through XX/XX/19, so I called XXXX XXXX to let them know that I did have coverages and they told me that they didn't have to pay on the claim because I had signed for the insurance coverages after the date of the incident. So I called back America First to ask for a refund of the unearned premium and they refused despite knowing that XXXX XXXX would not pay my Auto Loan payment for XX/XX/19 to XX/XX/19. They also would not send me written correspondence explaining why they would not refund me the premium. I filed a report with the Washington Department of Insurance on XX/XX/19 to try and figure out something with XXXX XXXX, and XXXX XXXX received the complaint on XX/XX/19. They called and talked to someone named " XXXX '' who was apparently in charge of my loan. She told XXXX XXXX that because I signed up for the second insurance policy in XX/XX/XXXX, it canceled out any insurance coverages that I had previously signed up for, and they indeed do not have to pay for my XXXX claim. I am now being charged for that first insurance policy as an addition on my monthly payment and I still have an extra balance of {$1200.00} for the second policy. America First also told them that I don't have any coverages right now because they need me to sign another insurance document. So America First Federal Credit Union has been losing my financial documents, stealing my money, lying to me, discriminating against me for having a XXXX, and collaborating with the insurance company to make sure that they don't have to pay on my loan as they originally agreed to when I purchased the vehicle along with Life/Death and Disability Insurance, as well as XXXX Insurance and a warranty through the dealership.
|
| 04/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
America First Credit Union has not complied with FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. by reporting a late payment on a credit card account that was due to me being affected by COVID-19. I called AFCU and advised them of my situation but was still reported late even though I made an advance payment in XXXX of XXXX toward my XX/XX/XXXX payment due. XXXX has refused to remove this late payment and it is a direct violation of my rights as a consumer. A copy of the letters I've submitted to the credit bureaus is below ; I am now making one last final goodwill attempt to have America First Credit Union fix this issue.
Due to the COVID-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have listed the late payments on my report I want removed because I'm a victim of XXXX and legally you should not have put them there.
Failure to comply is a direct violation of FCRA section 623, 15 U.S.C. 1681s-2 ; 12 CFR part 1022, subpart E. : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V.5 To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent. For example, information a furnisher provides about an accounts payment status, scheduled monthly payment, and the amount past due may all need to be updated to accurately reflect that a consumers account is current consistent with the CARES Act. Furnishers are encouraged to ensure they understand the data fields that the consumer reporting agencies to whom they report utilize and which standard data reporting formats may apply.
The following are listed as being reported late. Please update them due to the forbearance program regulations. This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be updated to accurately reflect a clean payment history.
1. America First Credit Union : - XXXX Reported Late : XX/XX/XXXX If your company fails to comply with federal regulations by credit reporting agencies, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
|
| 03/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
America First Credit Union has been reporting inaccurate financial information to all three of the major credit bureaus XXXX, XXXX, XXXX. A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed. I originally submitted a dispute with American First Credit in XX/XX/XXXX and all XXXX credit bureaus as well. Once I submitted that initial dispute in XXXX the balance began fluctuating on the account. The original balance being reported to the credit bureaus at the time was {$15000.00} and since the account was charged off/written off. I also requested all the financial documents from America First Credit Union to be sent to me as well. In those documents there was a balance of deficiency letter dated XX/XX/XXXX which also stated the balance was {$15000.00}. In XX/XX/XXXX the balance increased by {$7000.00} after the dispute on the closed/written off account. The balance was now reporting as {$22000.00} because interest was all of a sudden added. Upon this drastic and sudden change I contacted the company and spoke with XXXX XXXX. I advised her that in the state of Arizona it was illegal to add a sudden increase of interest to a closed/written off account. In XX/XX/XXXX XXXX XXXX sent me a email advising me the company now has a policy that interest will not be charged on closed/charged off accounts and that all the interest would be removed, which ultimately should have placed the account back to the balance which was originally being reported as XXXX. This is also the same balance that was on the balance deficiency letter from America First Credit. I submitted another dispute in XX/XX/XXXX for inaccurate information reporting to all 3 credit bureaus and the balance decreased from {$18000.00} to {$17000.00} and showed on my credit report that a payment was made XX/XX/XXXX. This is again inaccurate information and no payment has been made on this account. I am requesting per my rights that this account be removed from my credit for multiple inaccuracies. Per my FCRA rights and the rules and regulations America First Credit Union is in violation of reporting inaccurate financial information. I would like this account removed immediately from my credit report.
We are now in XX/XX/XXXX and the company has failed to update the credit report accurately. They have also advised me that the account would be sent to a outside 3rd party collection agency called XXXX XXXX @, XXXX. This company does not have the account and never had the account. I reached out to this company and spoke with a representative and they advised me that they never had this account. America first advised me not to contact them and to contact a 3rd party company who does not have the account. They have sent me multiple letters which are not consistent with information. This is a violation of my consumer FCRA rights. I would like this account removed from my credit report immediately or I will file for litigation.
|
| 08/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I originally obtained the loan through America First Credit Union ( AFCU ) located in XXXX XXXX for my RV since XX/XX/XXXX and made payments for 1 year. On XX/XX/XXXX, I decided to trade it in for another RV, everything went well at the dealership XXXX XXXX ( XXXX ) in Utah. Not until I came back to XXXX, AFCU told me that they can not accept XXXX payoff for the trade-in RV yet because there is some issue with title and they had to fix with NV DMV . Im writing this as of XX/XX/XXXX and this issue has not been fixed. Multiple attempts have been made in-person as well as over-the-phone to understand the issue and why it takes such a long time to finish everything. Im still stuck paying for the loan even though i no longer in possession of the vehicle. Every time I had to call and lied to or being treated rudely to ( one phone rep XXXX told me in the most matter-of-factly that it could take months or years if it needs to resolve itand her supervisor XXXX at the same title department promised to call me back and did not try to ) Now I know paperworks can take a long time but this is ridiculous. They had 1 year before the tradein to discover and fix any issue with the title, then now almost another 13 months to do whatever they need to resolve it ( if they even try to ) If this is the business practice, i suspect that they did not try to do things right and make the customers ( me in this case ) suffer and keep paying for the loan to collect interests.
Though the business responded with due to privacy laws and did not provide details, the desired outcomes were very clear and attainable. 1 ) getting the title job done with DMV - so far they are only half way done with this and this progress has not even gotten here if XXXX has not stepped in due to my complaint. Thus shown the companys lack of due diligence and neglect dreading the matter on their part 2 ) due to their gross negligence and making mistake in the title with previous owner, i had to suffer emotional and economical burden to continue paying for a loan ( and interest ) for a vehicle i no longer owned for almost a year coming this XXXX. I did my part and continued paying since i don't want to get bad credit and so far they negotiated to pay me back half of my interest. I would if I was the one making the mistake in the title to begin with, which i did not. So it is logical to ask for all the interest to be waived, not just the half they tried to put it like charity. The company is acting in bad faith and did not want to own up to their mistake. Even though a lot of thought was put into negotiation of the interest, no ETA is given since now everything is up to the Nevada DMV. I guess my next move is just blame the government for everything- nope! So, none of the 2 objectives are not achieved yet and clearly I have expressed clearly : 1 ) get the title job done with NV DMV 2 ) i will not pay for any interest due to reasons mentioned above and I would like them refunded.
|
| 06/10/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I noticed I had a " charge-off '' reported on my secured credit ( with {$700.00} limit ) by america first credit union. I contacted them on the phone on XX/XX/XXXX to dispute this. On XX/XX/XXXX I received noticed that they have reported it correctly and it was a charge off as of XX/XX/XXXX. I stated to them this was incorrect that I requested the card closed on more than one occasion shortly after the balance was zeroed out at my local branch. AFCU dispute department claims they have had no notes from the branch stating I wanted the card closed.
The last time a charge was made was XX/XX/XXXX in the amount {$36.00} which then put me to a limit of {$710.00} this is when a barrage of charges ( finance and late ) began that resulted in the charge-off amount of XXXX. So again this has been 1 year and six months of late fees and charges for going over my {$700.00} limit my XXXX dollars. Per the credit card act of XXXX they should have had my opt in to go over the limit which they did not. So for 1 1/2 years I was charged unfair and unreasonable fees to get this overage of XXXX dollars that should have never been authorized per the credit act. The act also states issuers can charge higher penalty fees only if they demonstrate to banking regulators that their costs ( collections etc. ) justify a higher fee. Under no circumstances can a fee for a late payment or an over-limit transaction be higher than the minimum payment you missed, or the amount you went over your credit limit. I was being charge XXXX a month for a card I stopped using for a year and a half.
I was respectful in taking the stance I with AFCU that even though I requested closed at the branch that I should have double and tripled checked that it was indeed closed, they gave me a list of the times they tried to contact me and I told them I work graveyard shift and did not respond to calls, and with letters I discarded them as junk because I had no further business with them, due to the fact that I closed my account with them for my vehicle loan I had no further reason to conduct any business with them. Maybe if I still had my loan and was a customer with them the dispute department would have been more reasonable with customer service in giving a customer the benefit of the doubt that a mistake was made by the branch in not closing the account as I requested. In closing I hope they will resolve this issue on their end this was a secured credit card that was my money not theirs and to charge a customer for a year and a half of finance charges and exuberant fees is in my opinion not a fair and reasonable way to conduct business with the public. AFCU charge-off resulted in lowering my credit score and being able to get better rates to refinance my mortgage.
|
| 09/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
My name is XXXX XXXX. On XX/XX/XXXX, a judgment was awarded against me in small claims court in XXXX XXXX XXXX XXXX in and for XXXX XXXX XXXX, XXXX XXXXXXXX XXXX State of Utah ( Civil No XXXX ). On XX/XX/XXXX, I entered into a purchase agreement based on good faith that both companies ( XXXX and America Fist Credit Union ) XXXX XXXX was emissions free but cheat emissions test software was installed on my vehicle in the US for seven years. XXXX did so through a clever piece of software that could identify when it was being tested and reduce harmful exhaust numbers while not actually reduce emissions in some tests emission were even higher So it looked as if the cars met Utah state emission requirements, when in fact the XXXX XXXX did not. The discovery of the device was made in XXXX. XXXX halted all sales of its vehicles in XXXX and a nation-wide recall and buy back for these XXXX Vehicles XXXX offered, along with criminal charges obstruction of justice and a XXXX XXXX in fines enforced by the US Justice Department XXXX Plus, in a third settlement, XXXX has agreed to pay {$50.00} million in civil penalties for alleged violations of XXXX. The XXXXustice Department alleged that a XXXX entity supported the sales and leasing of certain XXXX vehicles, including the defeat-device vehicles, by offering competitive financing terms by purchasing from dealers XXXX Vehicles by retail installment contracts ( i.e. loans, financing and leases ) entered into by customers such as myself that all of this deception was going on for years prior to me buying a XXXX with American First Credit Union. No buy back or compensation was ever initiated or offered by American First Credit Union for the XXXX XXXX. My experience was the opposite, no alternatives were offered I was told to make the payment or they would repossess the vehicle a promise they clearly meant to keep. The Dealership and America First Credit Union, misrepresent the facts during my purchase and breached any said contract at the point of sale by not disclosing information relevant to me making a competent well informed purchase decision and by doing so willfully and knowingly sold an altered and misrepresented consumer product or XXXX vehicle doesnt this behavior make the initial contract agreement void because it was entered under false pretenses? Not only has ( America First Credit Union ) deceived me the consumer but also the courts by with holding information relevant to the court making a fair and impartial ruling, if presented with all the facts? The 3 credit Bureaus have all remove this from my file as fraud. The judgment creditor has been asked to file an Acknowledgment of Satisfaction of Judgment form with the court. I did so XX/XX/XXXX.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First has displayed an appalling disregard for the best interest of their customers by forcing checking account customers to upgrade to a " Premium Checking Account '' that charges a monthly fee unless you can maintain 3 different tasks ( 20 purchases a month, minimum {$500.00} direct deposit a month, and minimum average daily balance {$1500.00} a month ) that I personally wouldn't be able to meet any of. I looked through the email they sent me and then checked out their website too but no where does it say you have a choice to opt out. They're being deliberately deceptive, hoping customers will accept the fee and move on. I also feel a move like this is an act against those who are less advantaged - the average American can't keep a daily balance of XX/XX/XXXX, and many of America First 's customers get paid in cash only so direct deposit isn't even an option. Those customers don't have as much time to speak with someone or even look into their options, so they're effectively being strong armed into spending money that they already don't have enough of because they're not privileged enough to figure out how to not be victimized by America First. It's also offensive that many of their listed " benefits '' are literally less than standard bank " benefits '' XXXX no low balance fee? Unlimited monthly transactions? Really that's the best you could do? This is my cash, you have no right to stop me from using it XXXX.
America First has every right to make the premium checking account an OPTION. To convert their customers against their will is immoral, corrupt, unfair, and in some cases abusive. I feel for those who don't learn that there's another option. I myself was feeling quite trapped because I have my auto loan and a credit card as well and you CAN'T pay either of those unless you have a checking or savings account. I thought I was going to have to close my credit card ( affecting my credit ) and refinance my auto loan if I wanted to avoid paying that {$6.00} fee each month. It also made me view that fee as a mandatory fee for paying my auto loan or credit card, which I'm pretty sure is illegal to give no free payment options.
Until this I've actually been pretty happy with America First. I gladly used them instead of XXXX or XXXX XXXX until I found XXXX Checking and savings which get me a lot more money and benefits. I had a financial hardship with one of my auto loans years ago and they took great care of me which made me want to forever get my loan through them. That went away with this egregious behavior and I'll be looking much closer at other options next time I need an auto loan.
|
| 02/19/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AMERICA FIRST FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX, UT XXXX In this bank I opened and closed the following accounts : OPENING Checking Account # XXXX XXXX {$1.00} XXXX Savings Account # XXXX XXXX {$370.00} XXXX XXXX Account # XXXX CLOSING Checking Account # XXXX Savings Account # XXXX XXXX TRANSFER {$5.00} XXXX XXXX Account # XXXX XXXX TRANSFER {$330.00} XXXX In XXXX XXXX XXXX, UT, I tried to purchase two different properties and the realtors rejected my cash offers with ridiculous excuses. I strongly believe this bank told the realtors that I WAS UNDER INVESTIGATION AND THAT THE BANK COULD NOT PROOF MY FUNDS, WHICH IT IS A LIE. The consequences of this FRAUDULENT UNDER INVESTIGATION STATUS has caused me the following : I have lost a big amount of money moving from state to state ; lost a big amount of money selling my properties immediately after I purchase them doe to the merciless harassment ; I am being rejected socially due to people believe I am a criminal or I am crazy ; I have been harassed, I strongly suspect by bank under cover officers. Lies ( that I am a criminal or that I am crazy ), are being spread to my neighbors, church members, employers, singles groups etc. I have been fired from several jobs without any valid reason, and I have been rejected, CONTRADICTORILY, one day after I have been hired VERBALLY. My car have been vandalized ; My personal homes have also been broken into. When I reported it to the Police I was told no one is harassing me, no one is vandalizing my properties, and that I am crazy. The police minimize the problem justifying the police officers, or ignoring at all my complaints.. XXXX, emails, and cellular phone have been hacked and impersonated bothering my friends and me. The most strange is that any lawyer wants to take my case. I AM MARKED.
I request the police let me live at peace, being secure, and have a productive life, without torture and the degrading treatment the different police departments have been doing to me for THE LAST FIVE YEARS in a daily basis.
- XXXX XXXX Cashiers Check to open accounts in America First.
- Two cash offers to two different realtors are attached.
- Police reports made in UT.
- Cashiers check that America First reported as fraudulent to XXXX XXXX XXXX XXXX manager when I closed the account in XXXX, ( for {$18.00} XXXX ) - Closing account letter.
- TWO Wire transfers receipts from America First to XXXX XXXX XXXX, XXXX XXXX, California, bank that was the ESCROW to purchase my property in 2019.
|
| 12/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
On or about XX/XX/2021, I called to activate a debit card recently sent to me by my bank. Since banks and investigators are seemingly letting this problem run rampant, this process of cancelling one debit card or account to receive another has become a punishment myself and other bank clients have to quite frequently go through. And each time I have to complete this action of cancelling my business debit card because my account was compromised, I never have my EIN available, so I have to verify that I am the authorized user in some other way besides this, and normally this is not a problem. However this time when I called, I was treated in such a way where I could conduct no business, and I do not think I or anyone deserves such treatment, especially in such an unprecedented era such as this, and especially on XXXX, a day of " goodwill toward men. '' If the criminals in these investigations are never going to be brought to justice, I see no reason why banking customer service representatives need to be rude, condescending and almost disrespectful to clients who are simply in need of the help that they are not only supposed to be given, but are in fact paying for through the myriad of fees we as clients have to endure, even in the hardest of times. When I called XXXX and spoke to " XXXX '' and his supervisor " XXXX '' ( or " XXXX '' ), they were so discourteous and rude, that a normally routine conversation was untenable and nauseating to the point where I felt soiled after speaking to them. If " customer service representative '' is going to be their official job description, then in order to correct this situation and see to it that no other clients feel as disrespected as I did, I propose that these representatives simply learn the definition of their employment title, if they are in fact happy about HAVING employment. " Customer service '' means you are there to respectfully and courteously take care of my needs, the client. " Representative '' means that while on the phone with me, your client, you are the voice of your company. If going back to reflect on the call that I made to " XXXX '' and " XXXX, '' I do not believe that the unpleasantness that they displayed on a recorded line " for quality and training purposes and customer assurance '' puts a good face on the company that I and thousands are clients of, and perhaps if they know the definition of their employment title, there will be no excuse the next time they fall short in customer service excellence. But hopefully there will not be a next time.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Credit Union is eliminating their regular checking account that has no fees and replacing it with either a classic checking account with no fees and is free similar to their elimined account or a premium account that will charge a $ XXXX monthly fee. Customers are automatically opted-in to be enrolled in the premium account and must either call customer service or go to a local branch to opt-out of this premium checking account. The counter that the account is free for 30 days and customers can opt-out anytime during this 30-day period. The problem is users are notified by email and many will mistake this email for a marketing email since they send similar emails to market various offers. If customers do read the email, it doesn't seem to indicate that they can opt-out. It gives customers the false impression that AFCU has only the premium account. Most customers will have no idea they were opted-in to the premium account and will only find out after they are charged a $ 6 monthly fee starting in XXXX or XXXX. They will probably have no idea what the premium account is until they are charged {$6.00} and told by AFCU that they were opted in. It is also misleading since AFCU says customers can avoid the {$6.00} fee by having a balance of {$1500.00} but according to their terms a customer must have 1 ) an average daily checking balance of {$1500.00} for the month, 2 ) {$500.00} in direct deposits for the month, and 3 ) a total of at least 20 purchases made on either their Visa debit or Visa credit cards. Many customers will be surprised to see the $ 6 monthly charges since they believed that they only had to have one of these 3 requirements to avoid the {$6.00} fee. Their information on the Classic vs. Premium checking account is also confusing with a statement that the Premium checking has an unlimited amount of transactions. If you ask customer service they indicate there isn't a limit on transactions for the classic but it sounds like there is. They also mention the premium has fraud protection giving customers the impression that the classic checking account doesn't have this protection. They also tout the benefits of the premium account such as smart phone damage insurance and identity theft protection but it seems these are normally available through the Visa agreement for no fee. Customers should be notified by mail for such changes and also shouldn't be automatically opted in even if it is a 30-day free trail.
|
| 12/15/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
America First Credit Union has been reporting inaccurate financial information to all three of the major credit bureaus XXXX, XXXX, XXXX. A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed. I originally submitted a dispute with American First Credit in XX/XX/XXXX and all 3 credit bureaus as well. Once I submitted that initial dispute in XXXX the balance began fluctuating on the account. The original balance being reported to the credit bureaus at the time was {$15000.00} and since the account was charged off/written off. I also requested all the financial documents from America First Credit Union to be sent to me as well. In those documents there was a balance of deficiency letter dated XX/XX/XXXX which also stated the balance was {$15000.00}. In XX/XX/XXXX the balance increased by {$7000.00} after the dispute on the closed/written off account. The balance was now reporting as {$22000.00} because interest was all of a sudden added. Upon this drastic and sudden change I contacted the company and spoke with XXXX XXXX. I advised her that in the state of Arizona it was illegal to add a sudden increase of interest to a closed/written off account. In XX/XX/XXXX XXXX XXXX sent me a email advising me the company now has a policy that interest will not be charged on closed/charged off accounts and that all the interest would be removed, which ultimately should have placed the account back to the balance which was originally being reported as XXXX. This is also the same balance that was on the balance deficiency letter from America First Credit. I submitted another dispute in XX/XX/XXXX for inaccurate information reporting to all 3 credit bureaus and the balance decreased from {$18000.00} to {$17000.00} and showed on my credit report that a payment was made XX/XX/XXXX. This is again inaccurate information and no payment has been made on this account. I am requesting per my rights that this account be removed from my credit for multiple inaccuracies. Per my FCRA rights and the rules and regulations America First Credit Union is in violation of reporting inaccurate financial information. I would like this account removed immediately from my credit report.
|
| 03/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
On XX/XX/XXXX my vehicle was repossessed by XXXX XXXX XXXX XXXX. On XX/XX/XXXX I talked to loss mitigation said they are in the process of charging off my 2 credit cards with 2 loans. They said the total of my charge off would be XXXX. I said that I would like to pay off my auto loan to get my vehicle back. They said that would be okay, if it was before XX/XX/XXXX. They informed me they will hold off on the charging off, If I paid off the auto loan, repo fee, and storage fee by XXXX. She said the total will be XXXX that they also would not give me my title tell the other account have been paid off. on XX/XX/XXXX I paid the bank XXXX and loss mitigation supervisor told me it did not cover the repo fee and they would just be tagged onto my other debt that is owed. At the time I asked how much it would be and they would not informed me cause they didnt know how much it would be. They also said they would email me my paperwork and did not. Later on XX/XX/XXXX I received a call from the same loss mitigation agent that has been talking with me throughout this repossession.
she was asking for a verbal agreement on how much I can pay a month to settle my other debt. I just started my new job on XX/XX/XXXX so just gave a rough estimate of XXXX. Now I been paying XXXX every month so far. I ask when I might get my title since the auto loan is paid off and they stated when my debt is paid in full. Its been a fight to get any documents from them about my repossession, or a charge off. They stated they cant provide any documentation of the charge off because they will have to send my account to legal and my car would be repossessed again. Its been a struggle cause I can not pay anything but the XXXX or they send me email starting avoid any possible legal action at this time. After demanding the repression paper work they only will send me the documents of the paperwork that I signed to get my vehicle back and not the auto loan being paid off and the total. When ever I do they said they cant provide it or they will need to send my account to legal. I have no paperwork showing that they can hold my title for collateral for my other debt. Every person I talk to said this very strange for a bank to be this way. So I am reaching out to see if they are doing everything correctly. Thank you so much for your help
|
| 03/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
A credit card that I believed to be closed years ago ended up with three charges on it, in XX/XX/XXXX. The charges were XXXX XXXX tickets and totaled {$830.00}. Because I did not know this credit card continued to exist, I did not know there were charges on the credit card until I got an email notice from another bank stated that America First Credit Union was placing negative information on my credit report. When I went to the credit union to inquire, they could not immediately identify how I owed them money. But, after running my SSN they were able to find this old credit card. It was shown that the credit union took one payment from a joint savings account to get the credit card current and then the account continued in a past due manner ( because I did not know it existed ) until it was reported to the credit reporting agencies.
When faced with this information about an old credit card, that should have been canceled in XXXX of XXXX, I was told by AFCU that the card had a {$16000.00} limit and that the only way to cancel the card was to pay it off. I paid it off immediately and requested it be cancelled. Since XX/XX/XXXX I have been attempting to get AFCU to investigate my fraud claims, reimburse the {$900.00} I paid to close the account and request the removal of the negative late payments from all three credit reporting agencies. I was originally told that because the charges were more than 90 days from the time of purchase, they no longer had recourse with the merchant and considered the matter closed.
It was identified that AFCU had my current, name, phone, email address and home address on file but sent the past due notices for this credit card to a home I lived at years ago, when the card was active. I haven't lived there in 3 years. So, I did not receive their notices.
In speaking with XXXX XXXX, it appears those traveling on the three one way tickets purchased on XXXX on XXXX, did not have my name or that of my ex-spouse. The billing address the purchaser supplied to XXXX XXXX was not in XXXX or XXXX, which would have been the address on file with the credit card company. They had the same last names and traveled from XXXX on XXXX, on the airline tickets that were purchased on the old credit card that should have been cancelled in XXXX of XXXX.
|
| 04/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
America First Credit Union notifies consumers to resolve checking accounts that have been overdrawn for an extensive period of time. This timeframe consists of 5 days. The financial institution 's communications continuously arrives in the complainant 's spam folder. The consumer requested that this be fixed for their provided timeframe to not be affected. This was not fixed upon lack of response. Also, the financial institutions requests payment arrangements to prevent account closures. The consumer had provided a payment arrangement to the financial institution. Regardless, the account was still closed. The consumer/complainant is filing a respectful complaint against America First Credit Union because the consumer communicated per request alongside provided a first payment arrangement. This account closure makes it appear as the financial institution does not stick to its word when attempting to negotiate matters with consumers. Also, the financial institution currently has a money order to be deposited into the account, [ re payment arrangement ]. However, this is affected because the account was closed. The consumer had voluntarily dropped its first complaint out of kindness.
Initial Complaint : The financial institution 's ATM would wrongly display a balance that exceeds the actual balance on the account. This would be checking the balance when logging in the ATM. Upon withdrawal, this would result to a negative balance. The provided receipt would still present a positive balance after the withdrawal. The consumer would not be aware for an estimated month. Eventually, it was refilled after complaining to the XXXX XXXX XXXX then graciously working with the financial institution.
A second complaint is being filed because the consumer was performing his part after the financial institution 's most recent communication concerning the negative balance. Also, the consumer feels that money was wasted if the financial institution would receive a deposit, [ re first payment arrangement ] to find that the account was closed. Additional concerns include the financial institution 's access card not working when initially attempting to make a deposit.
|
| 07/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My acct XXXX had fraud on the acct via pin/card I kept XXXX money into the acct as pending charges flew into the acct and I didnt want over draft fees. I contacted bank several times which stated 1hour and 45 min hold times and set up call backs which I never received finally I sat on hold until I got someone as the funds just kept coming out of the acct in several diff state locations The bank has printed three different cards with the same card number one of the cards along with the bank printed off pin they org shipped must have been stolen and used via my local oil company as it was in the glove box or a foster child there where some charges from XXXX XXXX which I told the agent that must be mine since theyre in my area and most of these charges where all over the place. But if it was a foster child or parent of one or the oil company employees they could have just as easily did transactions at the same store I typically shop at I filed a police report and the local police said theyre a not much they can do as the transactions are in several states. The bank called me up and said they will not protect me from the unauthorized charges. I should be protected from any charge that I did not do on my acct. Ive been with the bank for over a decade and Im being treated unfairly and am told to continue to ask the foster kids to own up ( if its even them ) these are gov kids, theyre on survival mode Im not going to traumatize them more then they where before they came into my life. Regardless who stole the funds I did not authorize or use the funds and need and should be protected and Im disappointed in the bank for treating a long term ah in such a manner. It does not give confidence in the bank to protect money from being used fraudulently the bank should have had fraud prevention on there own side by not mailing out multiple cards through out the years over and over with the same card info out of the blueluckily I hadnt had a problem until now but eventually it became a problem and Im not protected by the bank. Whats the point in banking if I have no protection
|
| 03/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I am writing to address this organizations refusal to assist with credit reporting. As with many others I was severely impacted during this past year. After losing a company, a job, my brother, and my father to XXXX, I like many others found myself unable to meet my obligations. America First Credit Union advised they understood what I was dealing with at the time and agreed to defer payments and limit collections on account during this time. However, they failed to provide any real options for assistance and instead have reported this account as being delinquent for the past year. How can an organization that is doing business in America during a pandemic absolutely disregard the needs of its consumers and continue to report detrimental information after advising they would assist. It is of no help to offer to hold off on payments and collection proceedings due to a worldwide pandemic, however still lack in the actual real help provided to people during such a difficult time. After burying my brother and father within a few months of each other I have been able to get myself back to current however am attempting to address the substantial delinquent claims being made to my credit reports. I have attempted to contact America First to discuss this discrepancy within their claims of assistance however was met with an unwillingness or desire by its associates to assist in correcting this. I will ask that America First review its decision to refuse assistance with regards to credit reporting based on the multiple hardships and losses that I personally faced this year and to please review and reverse its decision for negative credit reporting. To provide assistance to its consumers it must fully understand the position of its customers and adjust its practices and procedures during times where the whole world has had to make concessions based on a virus that has crippled the economy and set records for the amount of lives lost. I am able to provide any and all documents that would be requested of me to validate my claims of loss and hardship.
|
| 05/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I applied for a loan through America First Credit Union. I applied for a {$10000.00} 3-5 % apr 60 month loan. I was called and said that I was approved but they had only one stipulation ... the loan would only cover 100 % of what the car is valued at. I found a car that was {$10000.00} ( and checked the value on XXXX XXXX XXXX and it was valued at {$10000.00}. ) When i called the loan officer ( named XXXX XXXX XXXX he said he will try and get it approved but wasnt sure because they decided the value was {$10000.00}. A few hours later, I received a phone call from XXXX saying that the loan was fully approved but with one other condition. The condition was that I needed to bring the car into any of their branches for an inspection. I called the seller and she graciously agreed to meet me with the car and we can do the transaction at the bank. When we got there, I was told I was only approved for the {$10000.00}. I called XXXX up again and he again told me that I was approved for the full {$10000.00} and that I am good to sign. But when shown the screen, it said denied. Then with lack of professionalism, the loan officer ( XXXX from XXXX branch ) walked over to my seller and told her that they wont approve the loan unless she lowered the price, ( which was humiliating and disrespectful of him to do that without my permission ). After she agreed to do it, then I was told I was approved for a 14 % interest rate for only 36 months ( which was never mentioned to me until then ... considering I applied for a 3-5 % rate for 60 months ). And then he decided to not approve the {$10000.00} and pulled out the amount {$9800.00} out of nowhere after a few minutes of arguing with him ( still have no idea where he got that number from or why he decided to change the amount ). Then he proceeded to push my seller into that and me into signing that deal. I was lied to from the beginning until the moment I was about to sign. This behavior from this company is unacceptable and I am reporting it in hopes that it doesnt happen to another customer.
|
| 01/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I have tried multiple times to speak with America First Credit Union regarding my two loans ( home equity personal and HELOC ) to get them to consider and abide by the CARES Act in regards to my situation due to XXXX, I became unemployed since XX/XX/XXXX. I had paid off every single month the monthly principal and interest amounts on both loans but I am no longer able to do so without furthering myself into credit card debt. I have not had gainful employment since. I was able to be granted their once-every-six-months " skip a payment '' program, of which I was able to skip payments in both June as well as XX/XX/XXXX.
However, this is not good enough, so I seek remedial solutions and have tried to ask them and their management to look into addressing the CARES Act and allow me to be granted forbearance since at least one if not both loans are eligible, since at least the non-HELOC is considered a 2nd mortgage. But HELOCs have the term " Home Equity '' in them as well. I am unsuccessful in getting them to contact me and providing a resolution in light of the CARES Act, of which they are not free to ignore. The last time I was told I was going to get an answer was earlier this week on a follow-up phone call, but that never happened. It seems they are starting over every single time as if I never ever spoke about this or something. This is egregious because I am unable to pay the next month without serious harm and damage to me.
I am already on forbearance for my home mortgages, so these loans are now a massive hardship on me as I only receive XXXX XXXX as pretty much my only source of income, which doesn't come close to paying anything except utilities and food by itself. I also was told that I would have to fill out a series of paperwork entailing my finances and expenses, but the CARES Act states that that isn't allowed, that banks must merely provide some kind of modification and/or forbearance option without question, until I can find gainful employment or a source of income that get me out of all this hardship.
|
| 12/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
Please do not mark this as a Dino are because its not. First my credit union refuses to give back but a small portion of funds stolen. Then Im out of town snd I find out they took my debit card from me because of fraud. Fraud wasnt my fault. I do have just an atm card. Upon getting home I go thru my history and find that my daughters soon to be x husband stole my card and used it. While I was with my ill daughter her husband had cameras set up snd I know thats how he got pin. When you log into their system it asks for a pin. My daughters soon to be x hasnt. Even able to be evicted cause of COVID. This man also stole my clothes snd all my belongings I arrived with. He stole his uncle clean car many times along with his valuables. The police were notified. But my credit union wont help me. They arent giving my money back to me and I dont know why. I am the victim and who are they to say anything but I believe you. I told them to pull camera footage and they will see but they would rather ruin my life. The XXXX they refuse to give back from last hack was for a house which is now gone snd this money was for XXXX which is ruined and I have no money to buy my kids gifts or food for dinner. I get that my luck is back snd thats exactly why he did it. His uncle caught him breaking into my daughters room as we slept one night so I know he broke into mine while I slept snd took my card. I told them to feel free and call the uncle! This XXXX memory I will never get back snd I have changed banks as of yesterday but I will not stop fighting for what was mine and stolen from me. They had no right to tell me Im a liability. That is prejudice snd discriminative towards a victim! I am seekin ball monies that were stolen. Bit for this claim the XXXX! I will find a way to fight for the XXXX they refuse to give back! I also want banks to be responsible with their advertising. They cant say our money is safe then when its hacked they blame us and refuse to give back! Thats not being safe thats just wrong!
|
| 04/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2022 I tried to pay my car note to my lienholder ( AFCU ) but instead of charging my card one time, they charged my card FOUR times and in the end, completely EMPTIED my checking account which I have proof of. I called their main customer service phone number ( XXXX ) and notified them that they charged me 4 times. I was then told that they " did not see any transactions on their end at all '' and even had the audacity to ask me to run my card again to make the payment!! How ridiculous is that! I asked to speak with a supervisor who then told me the same exact thing, " we don't see anything on our end but if you see it on your end, just let it process and then it'll be refunded ''. When I asked him how many business days it will take he HUNG UP IN MY FACE and did not call back! His whole attitude and demeanor was as if I was a nuisance when in reality, I am the client who is now struggling to scrape up money to feed my child because of a mistake made on THEIR end. I am not rich by any means. I do not have {$820.00} to just " throw away ''. That was the last of my money and now I have to wait how ever many business days to get back on my feet. I know I will definitely get my money back but what has me frustrated is the principal. They took NO accountability for their mistake and did not even offer any sort of solution. I'm pretty much " on my own '' with this one. I think it is absolutely ludacris and completely unacceptable for any company, especially a company as popular as theirs, to make such a huge mistake and then act as if nothing happened. {$820.00} may seem like a small amount to some people but for me, it was my last. My son is feeling the aftermath of this situation the most since he relies on my income to feed him as well as myself. I am disgusted with the way I was treated by this company and I'm sure I'm not the first or last to endure this type of behavior from this company. All they care about is their money and not their clients or the service they provide
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I want to formally issue a complaint about a change that America First Credit Union ( XXXX ) is making that will financially impact all of it's XXXX Checking Account members. They announced on XX/XX/2021 that they will be AUTOMATICALLY rolling EVERY checking account over to their Premium Checking account service, which comes at a {$6.00} a month fee if you do not meet their requirements to waive the fee. Some of the minimum requirements will require the account to maintain a {$1500.00} balance, have at least {$500.00} automatically deposited into the account monthly and have more than 20 transactions with their credit or debit card to waive the $ XXXX monthly fee.
I understand that any member can call and have your Checking account moved back over to the free Checking Account, and they are also waiving the {$6.00} fee for the first 60 days, but it is NOT clear when they will roll people over, and my main concern is for ALL of the Elderly members and low income members that may NOT have access to media and will be unfairly rolled into these accounts and lose money.
Beyond the fact that so many people will not be able to maintain these new premium standards to avoid the {$6.00} fee, members like myself that hold multiple accounts with them will now need to waste their valuable time calling into their call centers, which I'm sure will have extremely long wait times, just to make a change that should have been an OPTION not an automatic roll over.
XXXX members should not be forced into paying a fee if they didn't get notified properly! We live in a world of spam email, and I am sure this type of notification will be easily lost by most members ( if that's even how they will notify people ).
I was notified by XXXX and then went over to XXXX to read more. As of this complaint I have not been notified at all by them!
|
| 11/22/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
After designing then deciding to build our families dream home on a lot we purchased my wife and I followed through and closed on a Home Construction Loan XX/XX/2022 with America First Credit Union. Just days later after a FED rate hike interest rates began to soar and the realization that my wife and I most likely would not qualify for a Home Mortgage on the back side of our 12 month build process. We then approached our loan officer about options and we were told to be patent and wait for XXXX to finish a pilot program on a 1 time close construction loan to lock in our interest rate that we could roll into. Weeks later no such program was created so we started negotiations on cancelling the note.
They insisted on no concessions to be made on their behalf including fees related to construction inspections ( none occurred ) and fees for originating our loan covering a 12 month construction process. A total of {$12000.00} in fees were paid to fund the loan and none were refunded despite trying to negotiate {$7700.00} in forgiveness ( prorated origination fee + inspection fees ). My point to my loan officer was this is a case of services paid for and not provided by their institution and was told simply " it was just the cost of the loan ''. I offered several other reasonable request but all were not even considered.
Because XXXX would not work with us we were then forced to secure financing through another financial institution to be able to finalize the cancellation of our note with them that occurred on XX/XX/2022.
I had been banking with XXXX for over 20 years, had multiple car loans with them, and had thought that some kind of compromise would be made given our history, circumstance, and future goals but we found no understanding or support for our situation.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an open unsecured loan open with America First. and a line of credit. I called in and made a payment towards my unsecured loan. When i make my payment over the phone i usually do another bank institution. by doing this they usually deposit the funds to the savings account then move the funds to the loan. End of XXXX i called in to make my usual payment, for whatever reason this time it was a bit different, rather then instantly going through the system had alerted the agent it was gon na take two business days for my XXXX $ to post. i had deposited XXXX. XXXX $ for my loan and XXXX $ for the line of credit. they notified me to keep an eye out and when they post to just move funds where i need them to go. the next morning i noticed all my funds had moved to the line of credit. when i noticed that error i called into the customer service and explained what had happened. they were able to verify my story by remarks by the previous agent. they had removed the XXXX from the line of credit and applied it to the loan. i thought everything was ok and everything was cleared. a few days later beginning of XXXX i noticed on my credit report it said i had a closed account, i thought it was a bit odd as i didnt request to close any account i was aware i had open. I went to go check my credit and it seems like by america first removing the XXXX it had made my line of credit seem as i was past due since XXXX XXXX XXXX The bank sent it off write to charge off account and collections without reviewing the details of my account payment history first. when i called to complaint of them closing my account the agent noticed i had made payments every month and wasnt sure why it was closed. its ruining my credit and has caused me to drop XXXX points becaus of there mistake
|
| 05/13/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
I opened an account with America First Credit Union, This account funded my XXXX account.They closed my account without my knowledge. The bank said they closed it with a notarized letter. They said it was closed in 2018 after my address change. I did not authorize. I have a letter of that but, I am holding it for my personal records. I did not notarize a letter to close my acccount. When I called them all my questions had been changed to XXXX information, My address was changed without my knowledge. My funds have been drained.
My identity has been stolen, I have contacted the FBI and made a report to the local police they did not want to take the information. I spoke with XXXX XXXX XXXX and opened an investigation and he has never gotten back to me, When I opened my account with America First Credit Union with about XXXX, Then I funded my Cuso account with it.
My XXXX account was worked with with XXXX XXXX and now has been taken by XXXX XXXX. When I looked at XXXX account I see that I am losing thousands of dollars within the past few months.
I have an attorney doing an investigation on what happened with my funds. XXXX XXXX and has sent an inquiry to investigate it.
I am in the process of a hellacious divorce with a person who's name was all switched over to their information. I need help. He is an IT tech and had access to all my information. When he came back to visit the kids he had a social security card and passport and other personal information. I do not know if he is responsible but, it is possible. He is in the military active guard reserves. Last address I knew was in XXXX Oklahoma stationed in XXXX XXXX.
Please help me get my funds back and my identity.
Thank you, XXXX XXXX
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2021, I found out America First Credit Union was planning to roll out their 'Premium Checking ' feature. Their plan of execution is what I have an issue with. They are automatically enrolling every member 's account, with only an email or a mail notice that looks like junk mail.
Their explanation of the benefits isn't clear. For example, one part states that, and I'm paraphrasing, {$1500.00} is required to remain on deposit with a couple of other stipulations, and the small fee will be waived. Shortly thereafter, it says that there is a no fee low balance checking, but clearly states that if our balance falls below {$1500.00}, we will be assessed a $ XXXX monthly fee.
They are offering a basic checking account for free, but we have to notify them that we choose that option. Hold times for the call center is over 30 minutes. It's now been two days since I sent an email to say I want basic checking, and I haven't received confirmation they've received it. We're located in Utah, which has some of the highest rates of Covid-19 in the country, so yes. I could go to a branch, but was it wise of them to roll this out now during the pandemic? I have even taken to social media to ask the questions I have but haven't gotten a response. I'm sure their employees are overwhelmed.
I fully recognize that a $ XXXX monthly fee is a small amount. The main issue I have is that this is coming from a credit union, where members are supposed to be able to vote and have a say in the things that happens, but this blindsided everyone I know. Also, I hate the fact that they are enrolling every checking account and expecting people to opt out if they so choose. Rather, this should be an opt in option.
|
| 09/05/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
On or around XX/XX/23 I deposited a bank loan check via AFCU mobile app of {$8000.00}. The system informed me that funds would be available within 2 business days.I called the bank to see if XX/XX/23 was considered one of the 2 business days. I was then instructed that the available date had been revised to XX/XX/23, no longer XX/XX/23.
I immediately requested the bank stop the transactions, so that I could either walk the check into the branch or try a check cashing facility.
I was informed this was not possible, that they would not be returning anything or reversing the transaction and that I had to just wait until XX/XX/23, I called the bank manager multiples times and was informed the same thing, despite my bank account overdrawn and multiple checks bouncing.
Per bank manager, XXXX, the account didn't have a history of such a sizable check so I immediately brought to his attention that a check for {$36000.00}, {$25000.00} and {$10000.00} plus multiple more had been deposited in this particular bank account. I was informed, " yeah but not recently ''. history is history I called the bank that the check was drawn on and was informed that AFCU could call the bank verification unit and verify the availability of funds.
I called AFCU XX/XX/23 and requested that they call the bank verification unit ( XXXX ) to verify funds and per customer svcs " this process was basically for CASHIER CHECKS because personal or business checks funds could be available on that date but by the time the checks hits the clearing house, funds may or maynot be depleted. '' Again I requested a reversal or the check and again was told, its way too late and I just had to allow the transactions run its course.
|
| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
We are getting charged on the daily like a credit card, but this is on motorhome which is currently our primary living space. And it's being charged daily we feel like this will never get paid off.
After purchasing the motorhome we have a lot of problems with it.
The day we signed papers at XXXX XXXX, they kept saying you have to sign these papers otherwise we will sell it to someone else and you will lose your Deposit. She said that America First Credit Union was the one that financed us and they are a great credit union.
It was close to the end of the day so the lady told us what papers say and you can trust us.
We never got papers that day to read over it. We never got to test drive motorhome. Because motorhome wouldnt start they said someone left lights on. So they would give papers when we come back.
Came back they had motorhome running. I decided to shut it off and turn it back on it did not start. So their mechanic looked at and said the alternator wasnt working and he would fix it.
So we had to wait another week.
Came back again and again it was running. So shut off but this time it ran. We told them we never got to test drive it. They took us on our test drive, and went into a parking lot. Then I got to drive it.
Seemed fine.
So we took it home. Papers were in glove box of motorhome. We figured they were so accommodating fixing we didnt even think of reading papers, plus was so excited to have the motorhome. Two days later motorhome would not start called them they said come pick up a new battery. Picked up new battery noticed it only has a one year warranty. They said thats all they could do.
Since then things on motorhome keep breaking.
|
| 07/05/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have been with America First Credit Union for several years. I have always paid my balances on time. On XX/XX/XXXX I used their app to pay off my credit card balance. However, their limit was {$2500.00}. My balance was {$4900.00} so I made the {$2500.00} payment and called the very next day and spoke with XXXX. I told her there was a limit and I wanted to pay off my credit card balance but the app wouldnt allow it. She said she would take the remaining balance payment over the phone and waive the fee. Everything was great until I looked at my XXXX statement and I saw she did NOT take the authorized amount of {$2400.00}. Instead she processed XXXX. I did not authorize this nor was this the correct balance. I immediately called and spoke with XXXX. She corrected the situation by providing a XXXX credit to my checking. When asked about the interest fees she stated on a recorded line that because payment want in full I was assessed interest. I explained to her what had happened and asked for them to waive it because of THEIR limits. She could not. She transferred me to XXXX who wasnt able to help either. Finally I get another supervisor who said shed try to make an exception and would call me back. She called me back shortly after we hung up and said they couldnt waive the fees but recommended I pay earlier than my due date. This is unacceptable and honestly quite scandalous. I paid my balance on XX/XX/XXXX and XX/XX/XXXX. I shouldnt be charged frivolous interest on XXXX for a zero balance. I request the interest be removed and my account balance brought to zero as intended by my on time payments. Thank you in advance for your help with this matter.
|
| 07/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am filing a complaint and rude nature of the employees within America First Credit Union. Having spoken to multiple associates about a vehicle payment that this organization has refused to accept. Upon attempting to contact this organization to discuss this I have encountered rude and unprofessional people that refuse to provide information to the department heads and managers of this organization.
On XX/XX/15 at around XXXX am I contacted America First to discuss a block placed on my account from making payments to my loan. I spoke to an individual by the name of XXXX who refused to provide information of corporate leadership at America First Credit Union. This individual lied and provided misinformation on multiple occasions during this call as well as refused to provide a supervisor and threatened to hang up on me. An unfortunate and disgusting display of professionalism by numerous employees in this organization. XXXX that obviously rewards mistreatment and unprofessional handling of its customers. Also Speaking to XXXX who instead of providing options chose to use the moment to again threaten and cause undue stress and anxiety. These employees are using their titles and positions to act as thugs and bullies of this organization. A threat to the mental well being of anyone that has to deal with their thug approach I have attempted to resolve the matter within this organization and instead have been met with threats and frustration. Instead of allowing me to work towards paying this bill the company has done multiple things to stand in the way or block me from being able to pay this bill. An absolute counterproductive resolution option
|
| 11/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Beginning on XXXX XX/XX/XXXX at XXXX XXXX, I checked our checking account balance and found that someone in California got a hold of our debit card number and started charging over {$1100.00} in food an entertainment! I called the credit union ( America First ) at XXXX. I was sent to call center in XXXX who took my report and supposedly put a hold on the transactions that were unauthorized and not yet cleared out account. Later in the morning, when credit union opened at XXXX XXXX I called again to speak with someone here. They informed us that they have put a hold on the account and to go in and get a new debit card. We did so right away. We were told that this issue would be taken care of in about 3 days and was high priority due to all of the charges. Well, here it is XX/XX/2022 and the credit union has let all transactions go through and empty our account of all funds plus pulled money from a line of credit to cover the fraudulent charges!!!
We have had absolutely no money to live on as we had just received our auto deposited pay checks when this happened and the credit union could care less. I called again today, and was told they have just made this high priority but I was told week it was high priority and being worked on. Again we have no money and the credit union is lolly gagging about getting it back to us. We are having to use a credit card through them at this point. They say they don't know how much longer it will take, but we will receive a letter in the mail when complete!!! Very unprofessional and absolutely no security on our money what so ever. We need help, fast.
|
| 12/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
on XX/XX/2022 I went out to my empty the trash at XXXX XXXX and my XXXX XXXX XXXX was gone. I was behind on my payment and had let them know that I was going to court for child support and would pay as soon as my stipend came in. It was late. But I was only behind 2 months. So, I thought I had some time. I have another car through them, and they had also put a order out to have it towed but it was in the garage. They were willing to let me fix the payment on that car to not have it towed which I did. However, the XXXX they took was 100 days past due, but the car was XXXX. I wouldn't have let there be a XXXX in payment history. So, I asked them to see, and they said that it didn't matter because they had the XXXX now. So, my option was to refinance, and I could have it back. I agreed. They came back and said because I Had late payments and missed payments and now this repossession that they wouldn't give me an additional loan. I am a single mom, and I Can't do anything at this point.
The problem comes down to the lien. They bank didn't perfect the lien and I have the title to the XXXX with no lien on it from the XXXX XXXX XXXX. I just got a letter stating that I am abandoning the vehicle and that way the bank can have the title, but I have the title. No one will help me to get it back. When they finally admitted that they made a mistake, they are making me pay all of the towing fees and the turnover the title with no written agreement. I have the tittle with no lien, but they won't release my car and won't let me refinance but I want to and have made payments up to this point.
|
| 01/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
I established a monthly payment to a company via my checking account with America First Credit Union.
The credit union processed this as a charge to a credit card I have not used in many years. When I last used the card I had minimum payments established to avoid delinquency. When this new monthly charge began XX/XX/XXXX I expected it to come from my checking account which held a balance of more than XXXX. Instead it came from my credit card and minimum payments were not automatically taken out. The credit union did not notify me of this delinquency at any time by phone or email. When I later found out about it they told me letters were sent to an incorrect address.
When I found out about the delinquency I immediately paid the balance and closed the account. I also asked for a print out of all activity. I did this on XX/XX/XXXX I noticed the credit union without my permission offset payments using my checking account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all in XXXX.
Despite the offset to pay off my debt, without my permission, they continued to report this account as delinquent to the credit reporting agencies.
I disputed both the initial charge to my card as it should have been deducted from checking from the beginning as well as the late credit reporting and offset out of my checking account. They also could not tell me why my automatic payments were turned off.
I was notified today, XX/XX/XXXX that my dispute was denied and that my account is being reported as delinquent.
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
On XX/XX/XXXX, Scammers were able to access my savings to transfer XXXX to my checking account. I was lead to believe the transfer was a deposit made by the callers and was told I should send a wire transfer for the amount to their account at XXXX XXXX in California. I went to my America First Credit Union to make the wire transfer. The teller asked if I had done prior business with this company. I replied XXXX because the scammers told me they were from a company who I paid to fix my computer back in 2021. My complaint is that the teller and his supervisor were perfectly aware that I was being scammed, Still they allowed the wire transfer to take place. I spoke with another tell at that branch about policy and procedures regarding these types of scams and she told me that they are supposed to inform the customer of what they see is happening and stop the scam from being completed. My complaint is procedure was not followed by my teller even though he was totally aware I was being scammed. I pay extra for premium checking which gives extra protection to your savings account. making it harder for someone to hack. My other complaint is with the branch XXXX who failed to try and stop the transaction with XXXX XXXX even though it was reported less than XXXX minutes after, I want America First to take responsibilities and make up the loss which could have been prevented. This is a joint account but your form only allows for XXXX name to be entered as the account holder.
|
| 11/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
America first is marking accounts as past due when payments have been made each month on the credit card. Sometimes multiple payments in each month and it will still show Im past due. I have contacted the bank six months in a row with concerns because if I dont they will charge me a {$35.00} late fee if I fail to call and make them fix their mistake. I get paid once per month and pay all my bills immediately. If additional money remains I will make additional payments through the month. Regardless of when Im making these payments it is still coming up as past due. This is effecting my credit score with past due constantly showing on my account and definitely not okay when they keep telling me to just make my payments later in the month which allows them to collect more interest. I feel this is clearly theft from their customers and absolutely effects me and Im sure many others with this issue they are having in their systems not correctly updating payments. I do have screen shots of all my payments as well as the past due banners on my account that shouldnt be there at all. Including one showing the banner as well as the clear payment made within that month. Please contact me with any further questions you have regarding this situation and I will gladly answer them so that we can solve this for all America First customers since I can not possibly be the only one dealing with this. I question how many have been over charged the {$35.00} and dont even realize it.
|
| 08/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
None of the problems listed adequately described my problem.
Lender : America First Credit Union, based in XXXX.
Our lender for our vehicle didn't receive our title from the seller for over a year from the date we purchased the truck in Utah, and when they didn't receive it in the requisite time frame, they never followed up to get our title from the seller. Therefore, they didn't have it when we needed it. We lived in XXXX at the time we bought the truck. We have since moved to XXXX and our XXXX tag has expired. We have called every single month since XXXX trying to get them to send our title to the state of XXXX, and they have been unable to do so. When we initially called, it was because they never received our title, so they ordered a duplicate, confirmed they received the duplicate with us, but have continued to fail to send it to the XXXX XXXX XXXX for us. We have called every month ( XXXX through XXXX ) to request that they send the title, and they continue to act confused about where the title is, whether they have sent it, and they never send us follow up communications about our requests, even when they say they will. They are so disorganized and incompetent and have not been able to get our title to the XXXX DMV for four months, despite us regularly calling to complain and follow up. We can not legally drive our truck without an active registration and we are unable to get an active registration without a title being sent to XXXX. Please help.
|
| 06/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
In XX/XX/2017 I purchased a XXXX XXXX motorcycle from XXXX XXXX on XXXX XXXX in XXXX XXXX Nevada. I traded in my old bike for an amount of {$3700.00} which was applied to my new loan and a 72 month term with a monthly payment of {$290.00} which I've agreed. I asked for a copy of the contract but was told it would have been mailed to me after the first payment. The contract never came. Last month I requested a payoff amount where Ive learned from XXXX XXXX XXXX XXXX that my loan is over half a decade from being paid off. Someone from they dealership added or changed the length of loan term from 6 years to 10 years and the bank has the motorcycle listed as an RV in their system. Ive tried filing complaints with XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX but I am unsuccessful in getting any type of actions or results. I never seen the actual contract at the dealership but liabilities and my trade Ive signed. After 4 years I was emailed a copy of the contract with a signature agreeing to a 10 year contract which I promise I didn't sign and was never aware of until recently. I am asking for help in this deceptive trade practice from XXXX XXXX sales associates and have them cover the balance for the additional 4 years of payments they have secretly attached to my loan. This is the second time in 2 years Ive had a dealership associate alter documents to sell a car which I have recently just gotten off my credit after a lengthy investigation.
|
| 01/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
We have had this XXXX for a couple years and recently ( XX/XX/2021 ) were switching our XXXX from our XXXX account ( personal ) to our XXXX account ( business ) - we knew it would potentially interrupt our existing XXXX process with XXXX so when they called to let us know our payment had been returned we immediately paid both that month and the next month payments to make sure we did not have any issues moving forward. When they called we asked them repeatedly if the account was past due and would be reported as past due - they said that the account was current and that no derogatory information had been or would be reported to the credit bureaus. So you can imagine our surprise when we got an alert through XXXX that our score had been dramatically impacted by a 30 day late reporting. We knew the information was inaccurate and reached out to XXXX who said to contact their dispute department- which we did and left a message - no response - so after a month we finally had a friend suggest we submit a dispute through XXXX to XXXX, which we did. After 20 days they processed it and made NO CHANGES to their reporting even though we provided all the information we could. This incorrect information is drastically impacting our finances, ability to refinance, purchase a car that will fit our XXXX ( now XXXX people ).
|
| 12/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XXXX XXXX I went to deposit {$6900.00} into the branch at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Utah. There were two other customers in front of me in the line. My wife accompanied me inside because we had dinner reservations. We were greeted by XXXX XXXX who told us she wanted us to use an electronic ATM-style machine. I declined. She insisted and bullied us into using the machine even after explaining we had a large number of bills to deposit.
Halfway through the deposit, the machine malfunctioned. XXXX tried to back up the deposit, but instead, the funds were trapped and the transaction could not be processed. We watched as several other customers came and went. We missed our dinner reservation. The branch manager came over to assist. Both these employees assured me they would resolve it before XXXX XXXX. He said the wait had to happen because the machine servicing team would analyze the discrepancy. Approximately {$3100.00} could not be located.
The problem is that I do have a temporary credit, but I am ostensibly being threatened that more money could be ripped out of my account on a whim if they can not settle the deposit machine. Their promise of a XXXX XXXX resolution was not upheld. I've tried calling for assistance, but all I hear is that no new notes have been added.
|
| 10/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2019 my wallet was stolen. I walked into the lobby at American First Credit Union in XXXX XXXX and asked to have my account frozen. While speaking to the teller three charges hit my account. I completed the dispute form and left. On XX/XX/XXXX I called to ask why their fraud alert didn't notify me and was notified my account had not been frozen. I was told by the fraud department that I had to be willing to pursue criminal charges to be eligible for provisional credit. They also told me that they had tried to contact my husband and was told the number was invalid, I confirmed the number in the file was accurate and told them we had not been contacted, On XX/XX/XXXX two of the charges posted to my account, I went to the branch and was told the account had not been frozen, the branch manager put a freeze on the account. He then called the fraud department and he told me they said the third party vendor they use for fraud monitoring had not been updated with the new account contact info which was given to the credit union two years ago. I don't know if they'll make me wait 90 days to get the disputed charges handled ( they ranged from $ 100- {$4200.00}. ) but their internal controls are horrible. They didn't freeze my account and have serious weaknesses in vendor management,
|
| 07/15/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
Introduction : The bank ( America First Credit Union ) block my funds due to I owed them money from a credit card I do have with them which I see no fair. Since last year XXXX XX/XX/XXXX XXXX my husband become unemployed due to a COVID-19 and that cause a big hardship to ours personal assets. Between that time I am the only work at home and I am not able to keep or make the monthly payments to America First Credit Union. Also I remember in more that 2 time call them and ask for payments extension. I have to make some hard or unwanted decisions to keeping stand financially for my family, so I have to apply for one of these programs ( debt relief ) and ask for a consultation. I end to decide for this option and make contract with XXXX XXXX XXXX, they now negotiating with all the accounts under this program and America First Credit Union is one under this program.
Dispute : Today ( XX/XX/XXXX ) I find out that after IRS deposit the payment of the Child Credit of {$750.00}, the bank retained the whole amount and apply to the credit card debt I have with them. I feel unfair since I am on the middle of negotiation with them and also they should have notes from me on the past about the hard time we across financially, plus the new law about COVID relief between creditors and consumers.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have an auto loan with America First. Back in XXXX of this year I contacted them regarding an insurance waiver due to the vehicle no longer in working order. They agreed to waive collateral for 6 months, through XX/XX/XXXX. I have a document signed by both of us. They then started sending me letters I believe in XXXX letting me know I needed full coverage. When I called them twice on this matter, I was informed it was only a system glitch and it was being fixed.
I also was in the process of completing a salvage bid and in XXXX, that finally took place. I have emails from XXXX XXXX department advising once the vehicle is picked up by the salvage yard, I can cancel insurance. Which I did. On XX/XX/XXXX I signed a document from the bank that states my future payments are {$410.00} effective XX/XX/28. America First then added onto my balance {$160.00} more totaling {$580.00} a month from the " lack of insurance '' they erroneously were stating. Therefore, my {$410.00} payment for XXXX was recognized as insufficient and I was subsequently reported 30 days past due to the credit bureaus. This has dropped my score significantly and America First offers nothing other than an apology. This is against federal regulations to do what they're doing and can easily let to a lawsuit.
|
| 02/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I bought this vehicle in XXXX and then moved to Missouri. In Missouri the state requires they have the title or a Department of Revenue form signed by lien holder stating they will not send the title. I'm simply trying to register this vehicle in the state of Missouri and can not get the form I need to do so. I mailed a change of address along with MO form 5834 to the lien holder several weeks ago. I even included a return address stamped envelope. I sent these forms to all lienholders at the same time. I have all others back. Monday of this week I called to be told it was never received ( but my address got changed ) and was asked to fax the form. The form was faxed on XX/XX/2021 at XXXX CST. I engaged in chat today with someone from XXXX and I still have no resolution. They are now telling me that they've just requested my title back from Arizona and that will take 7-10 days and then they'll send it to MO and will not notify me. This makes no sense whatsoever. There is an option to state on the form that they will not provide title and a place to sign so I can get all my vehicles registered and insurance changed but they won't do that????? I'll try to enclose the chat if there is a place for attachements because this is ridiculous.
|
| 07/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I purchased a car in XX/XX/XXXX with financing arranged by the auto dealer with America First Credit Union ( " AFCU '' ). I also insured the vehicle with XXXX XXXX and provided the proof of insurance to the dealer and AFCU. On XX/XX/XXXX AFCU added {$6200.00} to my account balance for collateral insurance coverage, despite full insurance coverage being in force with XXXX XXXX. They failed to provide any notice to me regarding the purchase of the insurance and the addition of the premium to my loan balance. The collateral insurance charge is nearly 8 times the cost of my insurance with XXXX XXXX and represents more than 15 % of the cost of the car. I learned of this a year after it occurred after chasing down AFCU to provide me on line access credentials so I could look at my account. Since then in multiple attempts to amicably resolve this I have spent hours on hold with AFCU agents, have twice been told that supervisors will call me back ( they didn't ), been sent to an AFCU office that turned out to be unstaffed, and have tried to resolve it through serial email communications. Their efforts collectively represent a tireless pattern of obfuscation and misdirection to reap a windfall on an invalid insurance charge.
|
| 12/15/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I applied for a land loan with America First Credit Union and submitted all the requested documentation. Upon review of the documentation, they sent me a term sheet/loan estimate and notified me that the loan was approved contingent upon an appraisal that placed the XXXX at XXXX % or less. In order to proceed to closing, they required me to pay a {$1000.00} non-refundable fee that accounted for the cost of the appraisal as well as some origination fees. The appraisal was received with a value that exceeded the expected market value and placed the XXXX at XXXX %. During the week of closing, America First emailed me explaining that they would require an additional guarantor or they would not close on the loan. Additionally, they stated they would change the loan terms based on the income of the additional guarantor. I did not send them nor did they request any additional financial information after the loan estimate was signed and the appraisal was completed and paid. There has been no change in financial circumstance that would warrant a change in the loan estimate after the {$1000.00} fee is paid.
I have all of the communication from above in emails that I am able to forward over to you, if requested.
|
| 02/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone fraudulently opened an account with America First Credit Union in my former name and spent {$17000.00} according to the negative information that I discovered on my credit report. The address reported that is associated with the account is a place I have never lived at or have ever been associated with. I have lived in Texas since XX/XX/XXXX and I do not think we have America First Credit Union here. On my credit report, it states this account was opened in XX/XX/XXXX. I legally changed my name in XX/XX/XXXX and also changed my name on my social security number in XX/XX/XXXX so if this account were truly mine, I would have used my current name, XXXX XXXX XXXX, to open the account. I have reached out to America First Credit Union regarding this information and they claim that they have already sent the account to collections. I believe I am the victim of identity fraud & will do whatever I can to prove that this account is not mine. I have submitted disputes with XXXX and XXXX, wrote letters to America First Credit Union with all my correct information to prove the account is not mine but have not succeeded with disputing this account. I have also submitted a report on identity theft.gov.
|
| 08/24/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
America First Credit Union ( AFCU ) failed for OVER 11 WEEKS to close my account and remit funds after written notice and after they stated in writing they WOULD close the account and send funds. On XXXX XX/XX/2021 Moved from XXXX to XXXX, Updated address on account and sent secure email asking to close it. XXXX XXXX AFCU replied, " Thank you for contacting America First! XXXX, We received your account closure notice and will complete that process, which consists of mailing to the address we have on file a cashier 's check made payable you in the amount of your combined funds ... '' On XXXX XXXX Account was STILL not closed. I used secure chat to ask what happened. They said I needed to call by phone. First phone call was disconnected when I asked for agent ( instead of automated access ). Second call required 17 minutes with an agent and supposedly now they will actually close the account.
Request CFPB reiterate top America First Credit Union their obligation to close accounts and remit funds promptly. Request America First Credit Union Formally adjust their poor procedures so that they ACTUALLY close accounts when requested in writing and when they already agreed in writing to do so.
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been abused and mislead by these debt collectors as they are attempting to collect an alleged debt that is not mine, they have violated my consumer rights and in used profane language within their mediums of communication. In pursuant to 15 usc1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. In our household the term debt is profane language, I am well aware of my rights and ability to lend credit. With all that being said I cease and desist all illegal activity from this account in pursuant to 15 USC 1692C ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except THE ONLY REASON EYE SHOULD BE GETTING ANY FURTHER COMMUNICATION IS TO TERMINATE THE ACCOUNT OR TO BE NOTIFIED ON REMEDY OWED TO ME FROM THEM VIOLATING THE FDCPA. There is abundant evidence that they have violated my rights that are protected within the FDCPA against debt collectors.
|
| 10/06/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
CFPB, My name is XXXX XXXX, XXXX.
I have filed numerous other consumer protection scam and fraud issues to the CFPB, all unresolved.
XX/XX/2021, my elderly enfeebled father, XXXX XXXX XXXX, passed away in hospice from a XXXX XXXX.
XX/XX/2021, I received a suspicious USPS certified letter from America First dated XX/XX/2021 ( attached ).
America First and single point of contact XXXX XXXX are extorting my deceased father for {$44000.00} by XX/XX/2021.
I can not be certain of the information, validity, or integrity of America First in America Firsts choice to commit extortion, predatory revenue creation, and elderly abuse of my deceased father.
XXXX XXXX and executors clearly need protection from the abuse of America First.
Please allow this report to serve as a Cease and Desist order to America First.
Please advise, XXXX -- XXXX XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
|
| 02/24/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
1. I was asked to submit SSA form sent by them to get notarized 2. I spoke to Chief engagement officer Ms XXXX and she told me that was not fair if they were not accepting the form.
3. She asked contact center manager XXXX to contact me and she said the same thing. Then she went on leave, leaving me with XXXX no response 4.I contacted contact center and I was told I do not qualify for a saving account as I do not qualify ( my mother is a member ) and that they could not verify my social security number already sent to them notarized.
5. I was told come to Utah to we can identify you and later made excuses you will waste money by coming here, when I stated I am coming. They asked me to open an account with XXXX XXXX XXXX!?
I felt I was wronged in every way and pure injustice was granted. They never responded to any of my email plea and finally sent a letter of adverse action giving me why I can not apply. I will attach or fax copy of the letter. I have copies of all emails, text messages sent to America First for records. I am just confused and feel I have not been treated fairly
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX for 5 years at a very high interest rate of over 17 %. So I refinanced the loan with America first credit union.
I recently checked my credit report and the account with XXXX XXXX is listed as CLOSED even though it was paid in full.
On or around XX/XX/XXXX America First paid off the loan on my behalf with XXXX XXXX and refinanced my XXXX XXXX XXXX thru American First CU for 2 years.
On or around XX/XX/XXXX I again refinanced the remaining year of the XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. The loan was paid off in full by XXXX XXXX XXXX XXXX.
Just like XXXX XXXX listed the account as CLOSEDso did America First Credit Union listed the account Closed I have recently learned that closed accounts dings your credit reports big time.
I have been on the phone with America First to change this but they insist the loan to them was not paid off by me therefore but closed out. I totally disagree with this because the loan between America First and myself was paid off.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First credit union is rolling out a forced {$72.00} a year premium checking account for all its members and they are doing so in a sneaky way. First, rather than have it stated very clearly when you log into online banking that this is happening with an opt-out option they are only sending little emails that don't include out to opt-out of it. When I signed on to America first part of the terms and conditions were that they had free checking and no underhanded fees. In order to opt-out of this premium checking, you have to call and wait on hold for 35+ minutes. This is something a bank would do rather than a member 's first credit union. The best part about going with a credit union is no monthly fees. I wish they offered this as an option, instead of as something they automatically set up and we need to call to cancel. It goes against everything Ive always thought America First stood for. Even if the benefits are great the way this is being rolled out feels sneaky. It should be an option rather than a forced situation.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
They are upgrading free accounts without consent to a paid account service. Though the services provided may be nice we can not opt out without calling or visit a bank.
Issue 1 - no consent. They have notified but opt in automatically is not okay.
Issue 2 - their response on social media is forcing it down our throats and telling us to like it.
Issue 3 - opt out process is intentionally inconvenient and a dark pattern that is intended to discourage people from changing. This is a practice used by unscrupulous companies and reduces my trust in general with the company drastically.
Issue 4 - two month " free trial '' is code for " you will forget about this in a while and not realize you are paying for it nor are you using the service. '' If everyone used this service to full extent they could not afford to provide it. This service is intended to be used minimally and they are relying on unsavory company tactics to get more money from their customers. Again another blow to the trust of the customers.
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
America First Credit Union has a grace period of 15 days until an account goes past due, I was a couple days shy of that when I tried to make a payment on a credit card with them that I hold a balance of {$900.00} on which I pay off each month through my chase account. The AFCU account got locked because I got 1 security question wrong ( improper capitalization ) so I could not access the online portal. I called several times and their hold time was over an hour long so I scheduled a call back and never heard from them! Which resulted in having to wait till Monday to speak with the bank on the phone again to get it unlocked so I could then make the payment manually and reconnect my chase account. They don't have physical locations in Georgia so going into the branch wasn't an option. I have been making payments consistently every month and this fluke of an issue really messed up my credit to where I am not able to buy a house for my family in the time period I was hoping.
|
| 03/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
America First Credit Union is reporting a late on my credit file and it must be removed. I recently checked my credit and noticed that America First Credit Union was reporting lates on a couple accounts when I was never late. For the months of XXXX, XXXX, and XXXX of 2019 I had made payments online. I had a few issues but didn't think anything of it as it said my payment had been received. Well at that time I looked at my credit and noticed these lates and called immediately to make sure my payment went through. The representative I talked told me that the payment had processed and I was good to go. However, I got another late and called because I was so confused. Apparently my payments did not process like I was told and I paid it off but I was under the impression that this current! This is not my fault, I did what I was supposed to do and I was never notified or called about these late payments. I need them to remove them from my credit immediately.
|
| 09/24/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
In XXXX of XXXX, I purchased/leased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due too unforseen factors i was not able to obtain insurance of the vehicle due to my driving record. I notified the lender and they held to the original agreement of provide insurance or one will be provided and added to the loan. Since owning the vehicle you the lender has now added in the area of {$7000.00} + of collateral damage fees. The loan is a 10 year loan. I will be eligible to insure and the end of they year of XXXX per my broker. I am a responsible borrower and i do not have any negative impacts on my report, they have tried to waive numerous tine with no success but continue to stack on ridiculously amounts of collateral chargers.
I have even asked to waive all fees to allow me to get back to my i original balance so i can pay off and take my buisness else where but with no success on their end,
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/XXXX, 2 different news outlets reported that my credit union was forcing members into a premium account and they wanted to avoid people closing accounts so the credit union was sending letters and emails in rounds. You have to meet 3 requirements to keep your current free account and during a pandemic this is very hard for most households. If you don't keep up their requirements, the account is forced into the premium version and you have to pay.
I called to ensure my account wouldn't be moved to a premium and I was harassed and told I couldn't trust the news and to just wait until my letter arrived.
I was very clear I didn't want to be forced into premium and will be moving accounts elsewhere. I was then placed on hold until the agent hung up.
This is wrong. I shouldn't have my accounts moved without notice and be forced to pay for something I don't consent to.
|
| 02/21/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
It would seem that either I am not able to communicate well with my credit union or I am not being fully understood. Over a month ago I had asked America First Credit Union for ( 1 ) an investigation into why it seems that I was charged two withdrawal transaction fees for the same individual withdrawal at an ATM and also ( 2 ) change my mailing address to the address that they have on file notarized, but as of yet neither of these things has happened and the latter is causing unnecessary undue hardship as it has taken quite some time and effort to effect what seems to amount to a minor bureaucratic action that should only take minutes to complete. I rely on my credit union to handle matters of fiduciary account management without bias or discrimination. Since I am positive that they strive to do so, I am interested in why these actions are taking so long.
|
| 03/23/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
America First FCU, headquartered in XXXX, UT, has done almost nothing to combat the spread of the coronavirus. While considered an essential business that must remain open during this pandemic time, they have only closed a few of their branches and keep most of the branch lobbies open to all. This is very concerning and does nothing to prevent/slow the coronavirus from spreading. Many other financial institutions have made the ethically right move of only keeping their drive-thru open at branch locations, but closing their lobbies. America First FCU appears adamant on keeping their lobbies open, which puts their employees and their membership in highly increased danger of contracting and further spreading the virus. They do not care if this means people in their organization and in their communities become ill or worse. This is unethical and disreputable.
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
America First is reporting a late for XX/XX/20 and this is not my fault, I recently took a look at my credit report and noticed this late was showing. I had already spoken to them about this because I was in the hospital for months and we had to move due to my health. I changed my address on everything, even with the postal office but somehow America First kept sending my statements to my old address. I wasn't aware about any balance and never got a call saying my account was going past due. I immediatley made a payment as soon as I found out. I called America First and explained that they were sending my statements to my old address and since I was out sick, my wife was taking care of things and unless she gets a statement there is no way for her to know if I have something to pay. America First ensured me this would be removed but it's still on there.
|
| 10/18/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
XX/XX/2021 my laptop froze and I called a XXXX got impression it was agent with XXXX. ( XXXX ) I was told my social security number was compromised. I never asked any questions, not smart. Agent connected me to Ms XXXX XXXX who said she work at America First Credit Union fraud prevention XXXX, UT. Each time we talk I had a reference number. XXXX also connected me to Social Security Admin. Officer XXXX XXXX XXXX badgeXXXX. ( XXXX ). I was told I had to change my ss # using form XXXX XXXX XXXX. To safe guard my money I was advised to write 11 times large amounts of money. I had a router number, account number, XXXX XXXX in NY. And XXXX XXXX, XXXX from XXXX XXXX was beneficiary. About XX/XX/XXXX XXXX went dark, phone number was no loner working. A police report was made, IC3 was filed, fraud with FTC was filed and all 3 credit bureaus I freeze.
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I used America first credit unions atm on XX/XX/XXXX to make a cash deposit ( around XXXX ). Afcu is part of the XXXX XXXX XXXX ( so is my bank ). The machine had taken {$110.00} from me. After the issue the machine disabled cash deposit. I went inside and the tellers made a report. I was informed the atm would be checked on XX/XX/XXXX and that I would receive a call. No updates so I called on XX/XX/XXXX. The rep put in another ticket and said someone will get in contact with me. No response. Then around XXXX XXXX I went in. The teller said I had to wait 45 days and there is nothing they can do because my bank had to do the investigation. How can my bank investigate the cash flow on their atm? Doesn't make sense. It's been 22 days since the machine took my money. They should have credited my account.
|
| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
AMERICA FIRST CREDIT U Inquired on XX/XX/2022 Business Type : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Discriminated against my personal profile which is written out in my attached Document. They also unlawfully refused me credit and Unlawfully used my Credit Card aka XXXX card and placed an Unlawful Hard Inquiry attached on page XXXX as proof on my Credit Profile Unlawful Violations include : 15 USC 1691c and is pursuant to civil liability under 15. USC 1692K. Also 15 US code 1642. USC 1681m. And 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Furthermore, because my Social Security number ( Credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( of credit card ) of America First Credit union.
|
| 10/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2023 two charges hit my account ; 'End Payment Processing ' in the amount of {$500.00} and XXXX XXXX ' in the amount of {$510.00}. I called America First Credit Union and advised them these charges were not made by me. They started an investigation and issued provisional credit for both amounts. On XX/XX/2023 I opened my account and there is a charge for {$510.00} XXXX Fraud Adjustment '. I contacted my bank, they stated that XXXX XXXX provided proof that I made this transaction and I would could contact XXXX XXXXXXXX or file a Civil Law Suite XXXX I immediately began searching for XXXX XXXX 's phone number to no avail to try to get this straightened out as I have nor will ever order from this site. XXXX XXXX does not have a customer service phone number.
|
| 03/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
|
| 02/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My debit card was used in XXXX at a business called XXXX XXXX on XX/XX/1921 at XXXXXXXX XXXX. I have thorough physical evidence of XXXX plane tickets on XX/XX/XXXX going to XXXX XXXX. I did not make nor authorize this purchase. I called my bank- America First credit union and cancelled my cards as my card was stolen and filed a dispute. My bank said they would give my money back and then did not, my account is still in the negatives. I tried calling said XXXX XXXX after receiving a letter in the mail from my bank with their information on it and received no reply. I called my bank and they said they would not do anything even tho I have proof I was not in the area and could not physically give anybody authorization to use my card.
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Credit Union has begun to adopt a strategy not unlike the major banks in which they reorganize charges to ensure that an overdraft is triggered. This is particularly evident when large payments are attempted ( i.e. Rent, Insurance, etc. ). Large payments are held days after the due date especially with recurring payments that are scheduled. This occurs on a monthly basis with my insurance payments. If I am not on top of my account, they will surge all of the smaller charges before applying the larger charges to ensure an overdraft is triggered. It is so prevalent I no longer use this establishment to pay rent because I can not trust that my rent payment will be honored in a timely fashion. This must be remedied.
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
|
| 09/16/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I opened a new credit card account with my credit union. I then tried to transfer a balance from a Line of Credit over to the new credit card balance. The credit union 's system allowed me to do this, but they did not in fact transfer anything. The instead added to my LOC the amount of I tried to transfer. So essentially I tried to transfer a balance of {$650.00} from account to another. The Credit Union simply added {$650.00} ontop of the XXXX, so now I apparently owe them over {$1200.00}. When contacting the credit union all they would say is I messed up its my fault I did things wrong. Now, all my balances are messed up and the credit union will be stealing over {$650.00} from me once I pay that balance off.
|
| 08/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
AMERICAN FIRST FCU ( CREDIT LINE ) is a result of identity theft. I recently discovered along with other accounts through my new monitoring service this account being reported that does not belong to me. I made efforts to remove this account from my file as the amount of {$500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 01/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been getting denied business credit and found out that my business can't be verified due to the fact that old information from old checking accounts with America First Credit Union. I have called them multiple times and gave them updated info only to be told that the information never updated after I was told that it was and then they said supposedly the only way to update my old information to current information is to pay the old balances I owe, which frankly I don't understand. Does the system open up after I pay old outdated balances that magically allows them to update info?? The information reporting to XXXX is stemming from this company. My address and phone number is all I need to update.
|
| 10/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
[ Link : https : XXXX ] I've come across this report which lists AFCU as number XXXX in terms of assets and indicates that they don't charge NSF fees XXXX
However, according to point # XXXX at the bottom of the page, the total revenue from Overdraft/NSF fees XXXX XXXX XXXX. If Overdraft and NSF Fees are synonymous, then the claim that AFCU doesn't charge these fees seems contradictory. To add to this, my account was charged with insufficient fund fees twice just in the past month. While we do have an overdraft protection account, fees still get assessed if we lack adequate credit in that account.
Could someone please provide clarification on this matter?
Thank you, A long-time AFCU customer.
|
| 12/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 09/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a visa credit card that I have to call and make a payment on every month because seeing the amount owed is not available through the website so I called to make my payment and the representative told me a payment due amount of a dollar short and then that {$1.00} went 30 days delinquent because I was under the impression the representative gave me the correct payment amount and didnt get written notification in the mail until after they already reported it delinquent to my credit which brought my score down by 80 points. Ive called twice since to let them know it happened and they both times have said oh no that stinks visa does that sometimes. and did not offer to rectify the situation.
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The company in question, ( America First Credit Union ), has yet as of, XX/XX/2023, to change status of a paid off auto loan from account charged off to paid in full. The account was paid off, directly inside the companies own branch, on the date of XX/XX/2023 at XXXX. I tried multiple attempts disputing this account on multiple credit reporting agencies and they have failed to investigate said debt even with receipt evidence showing this debt has been paid AND title being in hand. AFCU has been failing for nearly a month to correctly report this account as paid in full to credit reporting bureaus and even with receipt/title in hand is unwilling to update information regarding said account.
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
America First Credit Union is reporting a late on my credit file for the year of 2020. Due to Covid and the unforseen events surrounding the entire pandemic I suffered financially. In the beginning when it first started my job ended up cutting business hours and that ultimately affected me. The entire year was just an absolute mess regarding my finances but I did my very best to make sure I was paying my dues. I do realize that I was late but I am asking America First Credit Union to please make a one time goodwill adjustment for the 2020 late notations. It was a very difficult time and I wish it could have been avoided. This would be of great help to me as I am not getting back on my feet
|
| 05/04/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have my own business and have had for several years. As a business owner affected by the COVID 19 pandemic, I took advantage of the Paycheck Protection Loan for myself as an employee. When my funds deposited, I was told by the teller that the deposit " did not look right ''. Additionally, a bank employee went out to my car to take down my license plate number. I have been banking with this credit union since 2018. Needless to say, i felt profiled because I am XXXX american. Funds were frozen and XXXX being sent back to the XXXX Every time that I provide what is requested of me, I am told to provide something else. I have already signed a promissory note legally.
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
|
| 11/15/2023 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I accidentally paid my XXXX bill from my American First Credit Union checking account instead of my usual checking account. I did not have funds in the American First Credit Union checking account to cover the amount I sent to XXXX, so I got an overdraft fee ( I am fine with the fee ), and XXXX sent the payment back to American First Credit Union. ( See document ) American First Credit Union can not accept the payment reversal from XXXX even though XXXX has sent back the money to American First Credit Union. Basically, I am not only out the overdraft fee but also the amount I paid to XXXX, the amount XXXX sent back to the American First Credit Union, XXXX.
|
| 01/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Within the past 24 hours my ability to use my debit card has clearly been frozen. I tried to call the number on the back of the card but no options could assist me. There's clearly money in my account and my attempts to use it have been declined by SEVERAL MERCHANTS. THIS ISN'T EVEN THE FIRST TIME its happened. XXXX keeps freezing my debit card seemingly every month or so for no reason .... last time I called and they told me XXXX was a suspected fraud merchant ... .its not. it's XXXX 's entertainment, the XXXX largest employer in the state of Nevada.
This credit union is frivolously blocking people from accessing their OWN MONEY, for seemingly no reason!
|
| 02/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XX/XX/2021 I paid XXXX installment loan payments online via the companies mobile app. I made both payments and on XX/XX/2021 I went onto the pay to pay XXXX payment. I noticed that after getting charges for the banks paid premium checking account that I having issues with funds being moved into the checking and savings account causing late payments and multiple over draft fees. I attempted multiple times resolve with the branch and was able to recreate the issues multiple times for the online support and in a branch but the bank refuses to remove the error of the incorrect reporting. The bank via the app does not provide any confirmation numbers
|
| 07/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received notification on XXXX XX/XX/2022 from XXXX that my credit score dropped XXXX points due to overdue unpaid debt. XXXXXXXX XXXX email stated the debt was reported by America First Credit Union. I called America First that same day as I have never had an account with them. I spoke to XXXX, and told her that I never had an account with America First. Finally, after a lengthy call, XXXX told me that they had a picture of my drivers license and asked me if I knew a XXXX. I told her that I don't know any XXXX. I then said what do I do next and she said report it to the FTC. This, I am asking for your help to resolve this. Thank You Very Much.
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After divorce my ex-wife which was finalized and judge signed it XX/XX/XXXX I took a copy to America first about the XXXX XXXX XXXX I had cosigned on my wife and I was married she left me a year after I bought it I divorced her and I found out that she filed XXXX XXXX and she pays a creditor now I want off that cheap I do not want it on my credit report she assumed responsibility when she left with the XXXX I never had a position she made that choice and the judge did sign that he feels the same way. The credit union told me she has to take out a second loan or she can't do that when she filed bankruptcy XXXX XXXX we know that so do they..
|
| 08/31/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
AMERICAN FIRST CU ( CREDIT CARD ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 05/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have been disputing this account with " America First Credit Union '' several times through via mail for so long and no one has gotten back to me about all the inaccuracies and fabricated information they have put on my credit report. For over a year this account has been avoiding on verifying this account. They are violating my rights and FCRA all 3 credit bureaus have different information in regards to my " high balance '', different dates, etc so many false information. I need this account remove immediately. They have been so sloppy with reporting .Remove this account because it has not done nothing but complicate my life. Thanks!
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American, Servicemember |
|
o/a XX/XX/XXXX my XXXX XXXX bankruptcy was discharged and in about 3 weeks all 3 credit bureaus ' had started reporting creditors that were discharged in my bankruptcy correctly ; 'closed account ' 'discharged in XXXX XXXX bankruptcy '.
o/a mid XX/XX/XXXX XXXX allowed XXXX XXXX / XXXX XXXX to file erroneous information on one of the accounts that was discharged in the bankruptcy as 'charged off ' showing the amount.
o/a XXXX XX/XX/XXXX this agency has allowed America First Credit Union to do the same thing, change the status from 'closed account ' ' included in discharge of XXXX XXXX bankruptcy ' to 'charged off account '.
|
| 08/04/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
There was a fraud deposit of {$2600.00}, then a fraud wire withdrawal of {$2400.00}.
However, when I contacted the fraud department, they took the fraud wire credit back and left me with a negative balance!!!! I never wanted to open a savings account with AMERICA FIRST CREDIT UNION. I only have an auto loan and savings account with {$1.00}. Now I have a fraud savings with - {$2400.00} XX/XX/2023 FRAUD ADJUSTMENT - {$2600.00} - {$2400.00} XX/XX/2023 XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX {$2400.00} {$210.00} XX/XX/2023 ONLINE BANKING SHARE TRANSFER FROM SHARE ACCOUNT : XXXX XXXX XXXX XXXX {$2600.00} {$2600.00}
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an auto loan from America First Credit Union, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called America First Credit Union and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and America First Credit Union with no successful resolution. XXXX, XXXX, and XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Credit Union is forcing all of its members to upgrade to a paid checking account when previous to this they have always been free. They have made it difficult to switch back to a free checking account by being unclear in their initial emails and social media communications about how to switch back to a free account, and the new free account comes with considerably more restrictions and less services than the old free account. This is a predatory hoping that people won't go through the trouble of switching back to the free accounts so they can charge you for what they use to include for free.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have had a free checking account with America First Credit Union for a number of years now and just got told that my free checking is going to be upgraded to a premium checking with a XXXX a month fee. I didn't get asked, I got told. They are automatically upgrading me without my consent. I can't afford to get charged a XXXX a month fee that could cause me to overdraft. They are forcing the upgrade without my consent. I'll either have to close my account or wait for the upgrade and try to downgrade back to free checking once they upgrade me. This is not okay with me. I did not agree to this.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I heard on XXXX, XX/XX/2020, that America First Credit Union would be charging $ XXXX monthly for their premium checking.
Everyone of their account holders will be moved to that premium checking account. They stated you can call a number to opt out of the premium checking and have the normal checking, which is free.
I haven't received an email or notification about this.
So without XXXX I would have been left clueless as they took money.
I feel its completely disgusting that they would force people to opt out of a paid service. Rather than encourage everyone to opt in.
|
| 08/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I was requested to provide proof of insurance for a commercial trailer and have done so multiple times starting about XX/XX/2020. On XX/XX/2020 the lender placed additional insurance with a deductible of only {$200.00} and a cost of {$4400.00} for one year of coverage and added the balance to my loan when they only require a deductible of {$2500.00} and shouldn't need this added insurance anyway. I'm now trying to both get the deductible increased until I can just payoff the loan but can not get any assistance with this from the lender or the insurance company.
|
| 04/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
I have tried unsuccessfully multiple times through XXXX XXXX and through America First Credit Union to have XXXX XXXX cease drawing funds from my account, yet it still continues. It has actually been so long since I first requested that something be done that I honestly can not remember just how far back this issue goes, but I'm sure if I look into my records I can find out. I'd like this issue resolved hopefully before my death so that funds do not continue to draw from my estate and continue to overdraft my account after I am deceased.
|
| 03/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
On XX/XX/2023 around XXXX XXXX my XXXX and credit cards were pickpocketed.
XXXX XXXX Police department case ID : XXXX I contacted my financial institution America First Credit Union shortly after I realized what had occurred around XX/XX/2023 around XXXX XXXX.
Later that day around XXXX XXXX a XXXX transaction for {$2500.00} was made from my stolen phone to another account.
AFCU should have not allowed it to begin with because I reported my iphone stolen which should have indicated online banking was also compromised.
AFCU XXXX
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Credit Union has made the decision on behalf of their members to opt them in to their premium checking which requires a {$1500.00} balance to be maintained, direct deposit and 20-30 debit/credit transactions per month or be charged $ XXXXmonth. This should have been an opt in option. Its also sneaky and underhanded. I havent received an email notification, I only found out about it through a news article and then found it on XXXX. This is unethical, I would expect this from a bank, not a credit union.
https : XXXX
|
| 07/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
XXXX has collected money of my checking account in America first credit union, since XX/XX/2023. I bought them two resumes and they collected the amount. After that they are collecting more money. I went to the bank and they sent the report to XXXX. They said that that account was cancelled. I wrote to XXXX, and they sent in many times the same answer : the account is cancelled and we don't give refunds. They didn't stop collecting the money. I didn't sign a free trial.For this reason I write you. Thank you.
|
| 11/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American, Servicemember |
|
America First Utah XXXX closed my account I had for 35 years without a call to me. My direct civil service account is direct deposit. Once my wife called about the problem I changed to XXXX AFB but the problem becomes two fold. It doesnt take effect until XX/XX/2021 and misses 3 payments. I am without funds over the holidays for reasons unknown. The direct deposit is a 30 day delay and then it hits on the wrong date due to change thats 60 days without retirement pay. Someone really messed me over.
|
| 02/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
This credit union is offering rates and " customized '' quotes on their website, but the actual rates and lender fees are significantly higher than offered, and what the website prompts you to apply for. The loan officer had no explanation for why the actual rates are .25-50 higher, plus discount points added.
The credit union adversely impacted my credit rating by inquiring to the credit bureaus under the false pretenses of offering a rate and closing fees that they were not willing to lend at.
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2022 a Hard inquiry was submitted by America First Credit Union. I never consented to this request. I had no prior knowledge of this request until it showed up on a credit monitoring Emil that I received. I recently opened an account with this credit union. I didnt know that my credit was going to be pulled. If I knew that it would be I wouldnt have opened it since I do NOT need any assistance with credit. My score has been impacted negatively due to this inquiry of my credit.
|
| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
America First Credit Union is reporting late notations for 2020 and I ask they please remove them. I had some hardships with the pandemic during this time, much like anyone else. I went without work for some time and was unable to get on my feet. I did not expect this and did not mean to be late and I ask that America First Credit union please take some leniency on these lates. No one expected what happened in 2020 and this would really help me being able to buy a home. Thank you.
|
| 08/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
These two numbers, XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX, have sent me a text message attempting to defraud by having me, and potentially some legitimate America First customers, click the fraudulent link.
They are not from America First Credit Union. Please identify who these scammers are and shut them down.
Text message : American First Credit Union : We're restricting your account untiI we can verify recent updates made on account, Visit XXXX XXXX XXXX XXXX to verify.
|
| 01/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I obtain notice that there was a debt owed to said company. It is my belief that the debt was due to fraudulent activity. I tried with no avail to discharge the debt using my rights under HJR 192 73-10. and 18 USC 8 all debts are the obligation of the UNITED STATES. They are in violation of ( FDCPA ) Fair Debt Collection Practice Act 806 807 ( 2 ) ,812,15USC 1692 ( c ) ,15USC 6803,28USC 3002 ( 4 ) ,18 USC 3333,12 USC 1431. Civil rights violations 42 USC 1983,1985,1986,1988.
|
| 02/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Hello and thank you XXXX XXXX XXXX XXXX XXXX XXXX has Merged with America First Credit Union in Utah.
I have a item appearing on my credit report that belongs to an ex-husband. I declared bankruptcy ( Discharged XX/XX/2020 ) and it shows delinquent 6 times after that. I do not know what he has done since we almost never communicate.
We are trying to buy a house ( My new husband and I ) and this needs to be removed from my credit file so we can get the VA loan approved.
|
| 09/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
America first credit union, refused to turn over my car title after paying off my loan. They claimed the state had it despite communication with the state directly that they still had it in their possession they then asked me to pay for a salvage title stating that it was my fault that they did not hand over my title in a timely manner. It took over 1 year for me to get my title after paying off my loan. A year that i could not legally drive my vehicle or register it.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America first credit union is trying to Force everyone into a premium banking account for a monthly fee and if some people dont see it they automatically enroll you and charge you for a premium account unless you call or go to the bank and tell them you dont want the premium account and with the covid going on its just too much of a headache for everyone right now to just say hey we want to charge all of our valued customers to make more money off of you pathetic.
|
| 05/11/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My bank, America First Credit Union is preventing me from receiving the PPP loan that I received from an outside vendor. My bank kicks the funds back without cause. My bank states that in order to receive my PPP loan that I have to have a business account in their system. The Small Business Administration approved my loan without me having a business account. My bank has overstepped. My bank does not have the authority to prevent me from receiving my PPP loan.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Credit Union informed members of a required change to a {$6.00} fee service that we were all automatically enrolled in. No attempt has been made by the company to inform me of this change, found out through local news. Attempted contact and was told it was the best option for me as a customer. This is unacceptable behavior from a seemingly reputable institution such as a credit union thats business is to manage, not waste, customers money.
|
| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
America First Credit Union is reporting late payments for the year of 2020 and I would like them removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that America First Credit Union make a goodwill adjustment to have this removed.
|
| 01/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I filed a complaint with you guys back on XX/XX/XXXX and XXXX in the complaint department said on XX/XX/XXXX that they mailed me the resolution in the mail but as of yesterday XX/XX/XXXX I have not received any response from them and I have emailed her letting her know 3 times now but she hasn't responded to me. So this is a follow up complaint because they again lied apparently since I haven't received anything in the mail from them whatsoever.
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
America First Credit Union is reporting a late on my credit file for XX/XX/21 and I was never late. I make my payments on time but my payments are due on the XXXX every month. I made my payment on the XXXX and I was told that my payment was confirmed and the funds were taken out of my account however, they are marking it as late because the bank didn't post it for another 3 days? This is not my fault, my payment was made on time on my due date.
|
| 06/26/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
My XXXX got repod in XX/XX/XXXX and it has been charged off in XX/XX/XXXX. I received a letter from a debt agency asking for the full amount of the loan, even after I paid on the loan for almost 3 years. The car is valued at only {$4000.00} now. {$9000.00} has been written off, but the collection agency wants me to pay {$13000.00}. I was wondering how can I fight this? I received the letter today but the letter itself is dated XX/XX/XXXX.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
America First Credit Union without asking members first automatically enrolled them in " premium checking '' that will cost XXXX bucks a month. Yes, you can try it " free '' for 2 months, but enrolling them without permission is where I take offence. If I wasn't told by another credit union member I would have been completely in the dark and then wondering why there were charges every month for something I didn't buy or approve.
|
| 07/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
I received an text todayXX/XX/XXXX, saying unusual activity on a card with AFCU. I do not have an AFCU account. I looked at my credit report saying that I owe {$920.00} on credit cards. I looked at all my credit cards and only owe {$550.00} on my XXXX card. I do not have any other cards that I owe on and do not have an AFCU account. Someone has opened an account with AFCU and I do not know how many cards. This was not me.
|
| 06/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I purchased a car two weeks after engine light on. Dealer said its as is. They paid for XXXX of a XXXX bill. Then 3 weeks later the engine light came back on. I took it to a dealer and now they say the repair will be XXXX dollars. I owe XXXX so I believe the dealer should buy the car back it's a lemon. I will need to get the car repossessed and it will ruin my credit. I'm a single parent and need a car to get to work...
|
| 10/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Older American |
|
In XXXX XXXX, I sent a letter to America First Credit Union informing them about the scam to me by XXXX wherein the money amounting to {$370000.00} were sent through wire transfer from America First Credit Union to XXXX XXXX. I am now XXXX XXXX XXXX, as I have been told by the FBI that the bank has also the liability to me as their customer! No action has been taken and no progress on my case! Can you please help me?
|
| 09/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
There're discrepancies between what the merchant charged and what the bank charged.
I have attached three files, one for what AFCU charged, one for what the merchant Charged, and one my comparison table showing AFCU overcharged every transaction by 1 %, and nobody at AFCU can explain to me what that 1 % fee is for. There should be no fees because I used a debit card that is tied to my checking account at AFCU.
|
| 01/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
America First added all my accounts together saying that it was in the loan agreement that I signed which I was not given a copy, I was not given a chance to read the agreement and I'm XXXX which they knew because I received my XXXX check in my account with them so I believe I was discriminated against and taken advantage of because I'm XXXX. Plus how can they do that when it was a collateral loan.
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, XXXX is aware, THOSE inquiry ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Tried several times to dispute several inaccurate and fraudulent accounts from America First Credit Union, reporting to my credit report. These items have been hindering me from moving forward with other financial endeavors I want to pursue.
These accounts are reporting as a positive account and negative account. This is not correct as I have never applied for an account with this company.
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Claimed XXXX, did reaffirmation of loan made all payments on time paid off early and they they report to credit bureaus all three as a charge off. Sent my XXXX XXXX into the tank, lowered my XXXX XXXX lower than when I claimed XXXX. This credit union is out for a very unfair vengeance. Other creditors did proper reporting but not this credit union. You get absolutely no help at all.
|
| 07/14/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Today America First Credit Union seized a car that i signed over to another party because their information states its in my name i informed them as well im in the process of filing for bankrupcy and they still proceeded with debt collection activities fully in violation of the fdcpa. I need assistance in retrieving the vehicle and filing a claim for the fdcpa violation.
|
| 03/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I was given a line of credit without my knowledge by American First Credit Union I got a lump sum check did they held in my account with let me spend but they gave me the line of credit without my knowledge of what was really going on the lady told me I could use this money as a way to offset them holding my check this was a bad business transaction that they did to me
|
| 07/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On a continued basis, America First Credit Union seems to place roadblocks making it extremely difficult, if not impossible to make payments to them in a timely manner. One would think that a creditor would do whatever possible to make things easier for consumers to make their payments but throughout our dealings with them theyve made it more and more difficult.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
America First Credit Union automatically opted members into their premium checking accounts and will charge {$6.00} per month. They did not notify all their members and I had to find out through XXXX and the news ... the only way to opt out and not be charged is to call member services and be on hold for an hour + or go into the credit union during a pandemic
|
| 11/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, AMERICA FIRST CREDIT U, is currently showing 30 days late on XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Credit Union will be transitioning all adult checking accounts to a Premium Checking account, and charging a $ XXXX monthly fee. They advertised the premium checking as something that was optional or for new accounts. They sent an email saying that my account would automatically be transitioned to the new premium account, without my consent.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Credit Union automatically has enrolled me into a " PREMIUM CHECKING ACCOUNT '' In which they would charge me a fee of {$6.00} a month which yearly would equal out to {$72.00} ... you can " opt-out '' but i should have had the option to " opt-in '' to begin in the first place versus having to call and wait on hold for lord knows how long.
|
| 07/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
America First Credit Union stated I opened two accounts with them. A loan and credit card. I had not. I asked them to send me original documents with my wet ink signature proving that I opened these accounts and gave authorization to pull my credit and I have not received them. I have requested six times for this information. They have not responded.
|
| 05/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
i have identity theft, someone used my information to get multiple auto loans for a long time, it is auto loans for XXXX XXXX, American first, XXXX XXXX XXXX these auto loans I DID NOT DO! this is identity theft, please someone help me, i have a auto loan with American first that is mine for the XXXX XXXX XXXX, but all other auto loans i did not do
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
AFCU " discontinued '' their current checking accounts and transferred those same benefits to an account with a monthly fee, then made all members have the monthly fee account without even the possibility of opting out! I now have to call them to opt out. It's shady business and a blatant money grab. This is not how you treat your customers.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
America First Credit Unioncreated a new premium checking account with a XXXX XXXX/mo fee and auto enrolled their clients in it automatically.
I do not want this service and would rather keep my free account and forgo the premium features.
A company should not secretly subscribe members to a paid service. This should be an opt in scenario
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
AMERICA First Credit Union is changing people 's long time holding checking accounts over to a premium checking account option without permission. I signed up and started with AFCU because of their member benefits and their free checking account. They are unethical, without permission, changing my account to something I did not agree to.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My credit union ( America First ) has started offering a premium checking account for an additional {$6.00} per month.
Rather than allowing customers to opt into the premium checking, they automatically put everyone into the premium checking and you have to call to opt out of the plan or get charged monthly. This is REALLY shady!!
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
America First Credit Union will automatically be switching my free checking account to a paid account without my permission. Though I have the option to opt out, it is not ethical for them to enroll me in a paid program without my consent. I should not have to spend 45 minutes + of my personal time to get my account back to normal.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First is making all members to enroll in " Premier Checking ''. They are charging {$6.00} a month for this and all members who don't want it have to go into a branch to opt out. During a pandemic? This is ridiculous! No one should have to risk their life and well being to opt out of a service we never signed up for.
|
| 08/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
XX/XX/2019 some one stole my wallet with all my records of identification including my social security card credit cards ID .... Some one has opened a account in my name in charged the amount XXXX in debt... I went to open a account and was told I can't open one due to this action ... At the time of this action I was XXXX
|
| 06/23/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Was talking to my credit counselor and America credit union was on my credit open date XX/XX/2019 for the amount of XXXX.I called and they couldnt find nothing about this issue in the system by my social or name and they told me to fill out a police report send in my information as well and a ftc identity theft paper
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
THIS ACCOUNT IS NOT MINE. IT BELONGS TO XXXX XXXX XXXX XXXX WHO FILED CHAPTER XXXX BANKRUPTCY WHICH HAS BEEN DISCHARGED. ACCORDING TO HIS ATTORNEY AND CURRENT BANKRUPTCY LAWS YOUR ORGANIZATION HAD AN OPPORTUNITY TO DISPUTE THIS ACCOUNT AND Its STATUS DURING THE MEETING OF THE CREDITORS WHICH YOU FAILED TO DO SO.
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a credit card account with America first credit union and the account has been closed for years. I completed a XXXX XXXX bk in 2018 and was showing closed but now as of yesterday the account is still showing as open. Called the bank and they said it shows as closed and to reach out to credit reporting.
|
| 02/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Credit Card with American Frist Credit Union taken out in my name with a {$10000.00} balance. They have spent {$8200.00}.
They put in the application XX/XX/XXXX, and signed for it on the XXXX of XXXX.
**The attached documents are the fraud documentation given by the bank to submit to the authorities**
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Servicemember |
|
America First Credit Union has just tried switching all of its members to a paid checking account model without notice except for a social media post. They have claimed that emails went out, when in fact several thousand customers all agree this did not happen.
This seems fraudulent and sneaky at best.
|
| 08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with AMER FST CU and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMER FST CU and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
|
| 02/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has been bringing down my credit score making it difficult for me to live my life an handle certain issues relating to financial situations. This loan they are attacking me for was a result of identity theft or something of the sort due to me never opening this account or loan.
|
| 01/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Contact company to make a payment, and was told if I did an ACH payment it would be credited to my account 2-3 days after I authorize the payment, which I believe is a violation of law. Additionally, I was told for either an ACH or a debit card payment I would have to pay an {$8.00} fee.
|
| 11/10/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Two days to closing and we still haven't received XXXX XXXX - Credit approval, nor had a Closer assigned. I don't know what they're waiting on/for. The appraisal came back on XX/XX/XXXX. Closing is on XX/XX/XXXX. Two months since the purchase contract was signed on XX/XX/XXXX.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Auto enrolling people into checking accounts and charging them {$6.00} a month for things not everyone wants and if you want it free you have to meet their requirements of {$1500.00}. A direct deposit of {$500.00} AND at least 20 transactions a month made with your account.
|
| 01/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have been a member of America First Credit Union for 25 years and was notified they will automatically be charging me {$6.00} a month for my checking account. If I would like to continue the free account I already have I am required to call and opt into a free account?!?
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Credit Union based out of Utah has created a premium checking account. The program is an " Opt Out '' program where they automatically enroll all checking accounts at {$6.00} a month. Credit union members must opt out of the program or pay the month fee.
|
| 01/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never applied for an account with this company or given them authorization to insert any accounts to my personal credit profile. I was a victim of identity theft and have submitted my information to the company several times in order to resolve this issue.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Credit Union decided to switch all checking accounts to a monthly fee premium account without account owner permission.
Its an opt out scenario and trying to get my account left with the free checking option took far too much time on hold today.
|
| 11/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
America First # XXXX is reporting a balance of {$420.00} that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
America First Credit Union is reporting late payments for XX/XX/21, XX/XX/21. I called and set this account up with auto draft. I should not have any late payments, whether or not the rep did their job is not my fault. I called and made this arrangement.
|
| 09/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
|
|
Accounts Under America First Were Opened Fradulently without my knowledge. They continuously disregard my disputes and documents filed with the authorities and I want this matter handled immediately. I am now in XXXX because of their negligence
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XXXX XX/XX/2021 America First Credit Union announced that they are changing all free checking accounts to a fee based account and forcing users to enter a branch in person to opt out. This was done without permission or even official notice.
|
| 11/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Older American, Servicemember |
|
Around XX/XX/, I fell victim to a multi-layered scam orchestrated by XXXX XXXX ( the " Scammer " ) Which involved me making deposits for a total amount of XXXX USD from my America First Credit Union account via XXXX machine/ATM to the Scammer.
|
| 04/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My vehicle was taken and sold in auction amerca first credit uniou refused to give me proof of what the vehicle sold for and how they came up with the remaining balances. I asked for the aiction statments and i javnt recived any information
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Credit union has decided to automatically convert our accounts to premium with a {$6.00} fee, without our say. The only way I found out was by a news report on XXXX. I have yet to receive a letter to notify me of this.
|
| 10/05/2022 |
No |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Multiple fees that they call overdrawn checking fee and overdraft service fee They are charging multiple fees for the same items. They are charging fees even if the account is brought to a positive balance the same business day.
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
America first credit union is showing incorrect information on my credit report, It is showing a late payment for XX/XX/XXXX. The balance has been at XXXX since XX/XX/XXXX. I paid the full amount due of {$150.00} on XX/XX/XXXX.
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
This car loan was reported fraud and was removed from my credit on all 3 credit files. Now It's back? This was dealt with in XXXX. It's now XXXX and still on my file. I had gotten a police report for fraudulent activity.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
America First Credit Union is automatically upgrading all it's member 's checking accounts to a premium status which incurs a $ XXXX fee. You have not choice in the upgrade but must opt out of it once you are signed up.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
America First Federal Credit Union switched me to a Premium checking account which has a $ XXXX monthly fee. They did this without my consent and never sent me any paperwork. I first heard about it on their XXXX page.
|
| 03/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
THE BANK FINANCE MY CAR THAT WAS OVERVALUED AND FAIL TO CHECK THE REPORT FOR THE CAR.
AND ADITIONAL, THE BANK DENIED A REFINANCE APPLCATION BECAUSE THE CAR IS NOW DEVALUATE OVER 50 % IN JUST TWO YEARS
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
America First Credit Union has decided to change my checking account to a premium account without personally contacting me. This new account charges me {$72.00} a year without any okay from me.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
They are auto enrolling members into a fee based checking account without permission. Then the account holder needs to call the credit union to opt back out or they will begin being charge.
|
| 06/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Since XX/XX/2023 I've randomly had my overdraft taken away for no reason and my account has been in good standing. My bank hasnt told me as to why they are stopping my overdraft.
|
| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The information reporting on my credit report is not reporting accurately. The information is erroneous and I have requested several times that the company report accurately.
|
| 01/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
America first credit union is automatically switching all checking accounts to a paid premium amount. We have be to call in to opt out of the automatic $ XXXX monthly charge.
|
| 01/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Automatically upgrading to premium checking @ XXXX dollars per month. Should be an opt-in not an opt-out which is buried in fine print. XXXX and ethically questionable
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These is not my account. ( 2 ) accounts America First Credit Union is wrongly showing 2 charged off accounts on XXXX, XXXX and XXXX.
Please remove
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I was denied for a vehicle loan with America First. I I wanted to use my application as collateral for the loan
|
| 11/13/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
After giving a scam call about my bank Information and PiN Code I was giveing a call from a collection agency.
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
America First Credit Union is changing my account as well as everyone else 's without our consent
|
| 04/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
A fraudulent card was opened in my name that I never applied for. Card balance is at {$10000.00}
|
| 08/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
America first credit union is refusing to dispute a charge for an item that was not received.
|
| 10/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i cant verify the account so the refuse to give me information so i can dispute it
|
| 06/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Can not receive recurring line of credit after paying off line of credit borrowed
|
| 05/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
America first credit union XXXX $ Already filed police report XX/XX/2021
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I was a victim of identity theft for various loans and bank items
|
| 09/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
Someone tried to open a bank account in my name.
|
| 01/27/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
- Lost or stolen money order
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 01/08/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
Older American |
|
|
| 12/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 12/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 12/19/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
|
| 12/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 11/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 10/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 09/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
|
| 08/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 08/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
|
| 07/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
|
| 06/05/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Servicemember |
|
|
| 06/02/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 06/01/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 05/18/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Referral |
|
|
|
| 05/08/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
|
| 05/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 04/27/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 04/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 04/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 04/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 03/08/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 03/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Postal mail |
|
|
|
| 02/07/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 01/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with renewal
|
|
Referral |
|
|
|
| 12/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 12/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 11/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 11/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 10/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Referral |
|
|
|
| 10/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 10/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 10/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 10/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Referral |
|
|
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 09/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 09/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
Older American |
|
|
| 09/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/14/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/13/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 09/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 09/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 09/07/2022 |
Yes |
- Checking or savings account
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 08/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
|
| 08/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 07/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Phone |
Older American |
|
|
| 07/13/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 06/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Referral |
|
|
|
| 06/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 05/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 05/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 05/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Referral |
|
|
|
| 05/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 05/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 04/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 04/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Referral |
|
|
|
| 04/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Referral |
|
|
|
| 04/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 04/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 03/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 03/22/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 03/14/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 02/25/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 02/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Phone |
Servicemember |
|
|
| 02/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 02/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 01/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 01/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 12/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 12/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 12/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Referral |
Older American |
|
|
| 12/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 12/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 11/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 11/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 10/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 10/14/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 10/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 10/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/29/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 09/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 09/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 09/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/13/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Checking or savings account
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 08/31/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Postal mail |
Older American |
|
|
| 08/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 08/25/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Phone |
Older American |
|
|
| 08/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/31/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 07/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 07/19/2021 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 07/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 06/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Older American |
|
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 06/17/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 06/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
|
|
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 04/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 04/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/05/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Referral |
|
|
|
| 02/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 02/18/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 02/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 02/11/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Referral |
|
|
|
| 02/02/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
|
| 02/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 02/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 01/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 01/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 12/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Phone |
|
|
|
| 12/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 12/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 11/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/16/2020 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 11/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 10/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 10/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 10/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 10/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Fax |
|
|
|
| 09/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 09/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 09/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 08/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/29/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Postal mail |
|
|
|
| 08/05/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 08/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 06/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 06/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 06/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 04/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 04/16/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Referral |
|
|
|
| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 03/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American |
|
|
| 02/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 02/12/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Referral |
|
|
|
| 11/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Referral |
|
|
|
| 10/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 10/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 08/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/01/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
Servicemember |
|
|
| 07/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 07/10/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
Older American |
|
|
| 06/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 05/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 04/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Postal mail |
|
|
|
| 04/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|