BOEING EMPLOYEES CREDIT UNION CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
01/06/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WI
  • 548XX
Web
I have been misled by BECU on numerous occasions regarding a charge dispute for authorized purchase of a motorhome ( defective/ not as advertised ). BECU claimed a thorough review of my case had been conducted when they closed my charge dispute. I confronted BECU after I determined BECU had not reviewed all of the evidence submitted for the charge dispute, and my case was subsequently escalated. The effect of escalation is delay or refusal of communication by manager of card services ( only person at BECU who is allowed to discuss my case with me ). When I first contacted BECU a few days after the purchase was made, recall I was told by the representative I could not dispute a charge for a purchase that I had authorized. Attempted to make repairs to motorhome to address performance issues, leaks, etc. Vehicle broke down for three weeks in XX/XX/XXXX, motivating me to contact BECU for second time on XX/XX/XXXX and opened charge dispute. Indicated that I had not yet contacted the merchant. Told by the representative that I would be contacted by XXXX within 10 days for substantiating evidence, and XXXX would require me to attempt resolution with the merchant. On XX/XX/XXXX I called BECU to update my address, and asked the rep for an update on my charge dispute. She told me it may take more than 10 days to hear back on the dispute due to an increase in fraud due to the pandemic. I contacted the merchant on XX/XX/XXXX. Contacted BECU once again on XX/XX/XXXX to request update on charge dispute, and told by representative it had been closed on XX/XX/XXXX. I asked why I had not been told the dispute was closed when I had called BECU on XX/XX/XXXX. She told me I would need to talk to a supervisor. After waiting on hold twice for nearly an hour, I became frustrated and hung up. I filed a complaint with XXXX due to my frustration of feeling I was being lied to by BECU reps, asking if it was legal for financial institutions to lie to customers. XXXX closed my complaint on the basis that it was outside their purview. After XXXX closed my complaint, I decided to contact BECU regarding the charge dispute and submit my evidence. I submitted the bulk of my evidence on XX/XX/XXXX, including links to relevant video evidence ( private, links only shared with BECU, no views ). BECU closed my dispute again on XX/XX/XXXX. I received an email explanation from a rep in BECU card services on XX/XX/XXXX asserting a thorough review of my case had been conducted, and indicating that I would need to ( 1 ) attempt to negotiate a resolution with the merchant/ seller ( 2 ) return merchandise to the merchant/seller or arrange for reasonable accommodations for merchant/seller to pick up merchandise. On XX/XX/XXXX I sent an email reply to the email from BECU card services from the previous day, asking how a thorough review of my case had been conducted when the video links supplied had no views and therefore could not have been considered. On XX/XX/XXXX I received an email reply from the manager of card services at BECU, XXXX, who neglected to answer my question from the previous day about how a thorough review of my case had been conducted without considering all of the evidence I had submitted. XXXX only reiterated the requirements specified in the XX/XX/XXXX email from the BECU card services rep, indicating that I would need to negotiate with the merchant/seller, and return the merchandise or arrange for reasonable accommodations for the merchandise to be picked up by the merchant/ seller. I had expressed to BECU I did not know with whom I should be negotiating ( merchant or seller? ). I emailed XXXX on XX/XX/XXXX and XX/XX/XXXX. I called BECU card services on XX/XX/XXXX, and was told by the BECU rep that she could not discuss the charge dispute with me because it had been escalated. I sent a third email to XXXX on XX/XX/XXXX requesting she reply by XXXX XXXX that evening or grant an extension on the deadline for submission of documentation, due to refusal of communication by BECU subsequent to escalation of my case. I asked XXXX in all three of these emails ( a total of four times ) how a thorough review of my case had been conducted when BECU neglected to consider the video interviews with the merchant/ seller. However, XXXX has never answered this question. XXXX responds in the evening of XX/XX/XXXX, reiterating that I must ( 1 ) negotiate with the merchant/ seller and ( 2 ) return the merchandise or arrange for reasonable accommodations for merchant/ seller to pick up the merchandise. She tells me to stop emailing until I have the required documentation. Reps of BECU continue to assert they are following rules and regulations, but at some point, it occurred to me that BECU had lied to me on numerous occasions and I should be taking anything I was being told by their representatives with a grain of salt. Due to this cultivation of mistrust, I decided to better acquaint myself with the rules and regulations which BECU purported to be following. Following this research, I learned the merchant was admitting to what constitutes credit card laundering, and that XXXX and federal banking regulations did not permit such illegal activity. I learned that customers of XXXX ( e.g. BECU ) were not to directly or indirectly engage in or facilitate any action that is illegal according to the XXXX Rules publication, as part of their agreement with XXXX. XXXX stated that XXXX defined fraud only as unauthorized use of a cardholders card, and there was no other option to file a charge dispute even though the merchant admits to engaging in illegal activity ( credit card laundering ). I determined the XXXX Chargeback Guide publication did not use the terms seller or reasonable accommodations ( for merchant/seller to pick up merchandise ). On XX/XX/XXXX I sent an email to the merchant informing him the motorhome was available for pickup and he should contact me for details and to discuss a timeline for the pickup. I have not yet received a response to this email from the merchant. After sending this email to the merchant, I forwarded to BECU the email chain with the merchant from XX/XX/XXXX until XX/XX/XXXX demonstrating that I had attempted to negotiate with the merchant and offered to return the motorhome. I explained in my email to BECU that reasonable accommodation and seller were not included in XXXX publications, that merchant was clearly the responsible party for the transaction and based on circumstances ( credit card laundering/ refusal to accept return of defective merchandise ) it was reasonable for him to pick up the motorhome from its current location. On XX/XX/XXXX I received an email from a BECU card services rep ( XXXX out of the office for the holiday ) stating that my charge dispute had been sent to the merchants bank. I replied asking for the timeframe for the merchant response. While waiting for a reply from BECU to this question, I checked the chargeback guide which states the merchant has 45 days from the chargeback settlement date to respond to the charge dispute. I contacted BECU to ask why no chargeback settlement had been applied to my checking account, and was told by a card services rep it is because the dispute has already been previously closed by BECU. I contacted XXXX on XX/XX/XXXX. She informed me that I had not received a provisional credit to my account because no error had occurred. She also stated the reason my case had been escalated is due to the complexity and dollar amount involved. I asked her to tell me on what date my case was escalated, and for the document BECU is referencing when indicating that I do not qualify for a provisional credit, when the XXXX Chargeback Guide indicates that I should have received a such a credit. I received a reply to this email on XX/XX/XXXX from XXXX, which stated BECU is adhering to requirements, the merchants bank has until XX/XX/XXXX to respond to the chargeback request, and BECU has no additional information to provide in my case. I replied to this email, reiterating that I needed to know on what date my case was escalated, and that I needed the reference document which justifies why BECU has not issued a provisional credit to my account. XXXX and other representatives of BECU have been intentionally dishonest, gaslit me and shunted reasonable communication to protect their dishonesty, and have treated me unfairly by claiming they have been following rules and regulations when they are not. The net effect of this habitual misconduct by employees of BECU is abuseBECU is abusing the power imbalance and I am obliged to continue working with the bank which processed this payment no matter how badly I am being treated. I can not understand why XXXX is working harder for the benefit of the merchant who has broken numerous laws as opposed to ensuring a proper and fair dispute process which is truly in accordance with the relevant rules and regulations. It is as though XXXX or BECU and the merchant are somehow connected and the inappropriate response to my claim dispute is a favor to the merchant.
08/20/2020 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
  • VA
  • 22191
Web Older American
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX Phone : XXXX Email : XXXX Thursday, XX/XX/XXXX Greetings! I am filing an official complaint against Boeing Employees Federal Credit Union, referred hereunder as BECU, of XXXX XXXX XXXX XXXX WA XXXX for failure to protect my personal information and explicit refusal to abide by their stated policy of supposedly zero-dollar customer liability in case of fraud. If I am not mistaken I had acquired their VISA card in either XXXX, or XXXX, and have been using it regularly since, consistently paying much more than the required minimum. I have several other VISA/MASTERCARDs with lower credit lines that I have been using regu-larly and by comparison, less frequently than the BECU VISA. Their VISA has a higher balance and consequently carries a much higher interest. So, consequently, I have set up automatic pay-ments, treating their card as virtually frozen. I have additionally locked it as to prevent its unauthorized use, or at least I thought so. Recently, like millions of other Americans I was affected by the COVI-19 pandemic and have tried unsuccessfully to work with BECU in order to avail myself of the federally proclaimed deferral of credit cards and mortgage payments. While other financial institutions have been more responsive, straightforward and forthcoming - Not a problem, Mr., XXXX, we can postpone payments, be assured there will be no late fees, no negative credit reporting, just be aware of the fact that interest will continue to accrue monthly, or something along these lines, BECU practically gave me the runaround. I have submitted a financial disclosure, trying to show them my serious financial situation with a negative monthly balance of about {$1000.00}. Instead of doing the right thing, and following the US government policy on debt relief, their response was callous and insensitive : How much of a monthly payment can you afford? And then, in their ultimate wisdom they said, Well maybe you can call your mortgage company and have them give you a deferral? Translated, this means : Jeopardize your primary residence with secured debt and pay our non-secured credit card debt. Is this really the kind of financial assistance Congress is offering to working class Americans, seriously affected by the COVDI-19? Only then I decided to check my balances and was totally shocked to discover that I was yet again a victim of financial and identity theft fraud. Thus, in XXXX the Office of Personnel Management of the US government ( the agency holding detailed financial, medical, address and next of kin information, including fingerprints of a vast number of US government cleared individuals, myself included ), announced that some 22 mil-lion detailed records of the kind that I described have been leaked/lost/siphoned off. Next I got scammed not once but 4 times by unknown entities. Initially it started with a series of text messages : Did you attempt to use this card at such and such location in Texas? What about this store, ( some 30 minutes later )? It turned out that unknown individual ( s ) have breached my XXXX XXXX XXXX credit card, and later compromised its credit card replacements en route to me that I have not yet received and never activated. And this is where an interesting pattern has emerged : these unknown perpetrator ( s ), unbeknownst to me, have altered my address, redirecting all XXXX XXXX XXXX issued cards to a small Texas town and engaging on a shopping spree. I have provided all applicable documents to the FBI and never heard back from them, even though they had enough evidence to launch an investigation. Should you wish to do so, I will gladly provide you with documentary evidence of the XXXX XXXX XXXX fraudagainst me. Then came the well publicized data breach at XXXX and XXXX ( two of the national credit reporting agencies, whose numeric score is used by all lenders nationwide to assess potential creditworthiness, or lack thereof of consumers ), again affecting millions of Americans, myself included. In the past I have also been a victim of fraud by BECU with similar circumstance that I d not quite remember. After BECU gave me verbally their inconsequential, insensitive and irresponsive denial, I started digging deeper. I discovered that an unknown individual ( s ), or maybe a group, has/ve changed my residential address to : XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( appearing on the first page of my BECU statement attached hereby - yet another city I have never even heard of. This real residential address can be seen with a simple XXXX search and several real estate search engines. I obviously can not tell if the person ( s ) living at that address have committed this fraud or not, this is for more qualified folks than me. As you well know, there are way too many organized groups of all kinds, cybercriminals and individual hackers of every imaginable stripe around the world who could easily steal such information, so practically anyone and everyone could be a suspect. Additionally, credit card information can be relatively easy obtained on the Dark Web ( cost estimates vary ). Then came another shocker - yet another unknown individual ( or probably the same who had bypassed BECUs supposedly robust internal cybersecurity systems and defenses, and had redi-rected my BECU cards to the aforementioned address ) has traveled at my expense, yet totally unbeknownst to me all over XXXX - and has done some extensive shopping inXXXX, XXXX all the way to XXXX and other XXXX countries, visiting gas stations, convenience stores, grocery stores and who knows what - all shown with dates and locations on the printout, attached hereby for your convenience. I hereby declare under penalty of perjury, that : a ) the aforementioned card has always been under my control, locked in a secure bank vault, b ) that I have never under any circumstances disclosed its combination of digits, expiration date, security code and other security measures to any third party, and that, c ) I have never received any compensation, financial or otherwise from the person ( s ) responsible for this fraud. As if being scammed with about {$27000.00} was not enough, that as I have said, have no idea how it went out of my account, BECU has yet again demonstrated their indifference - Too bad, it has been more than sixty day, so we can not do anything! Well, where was your vaunted security to alert me of the unauthorized change of address, as it appears? Where were you when the unknown entity was traveling around XXXX .and shopping around at my expense? So, I am requesting a thorough investigation of this serious fraud, closing this card once and for all, eliminating all late and other junk fees, and notifying the Credit Reporting Agencies ( including XXXX and XXXX which has also been instrumental in leaking my supposedly sensitive financial information ). They have credit insurance which, have they bothered to do the investigation, would have reimbursed them for any losses, but for me this debt is simply beyond my means, especially given the scope and range. I am also due to retire in a few months, so again, payment of this debt is just plain impossible.
01/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98122
Web Servicemember
Well the issue starts with me opening a new account. The intention with the account was for me and my partner to come together on a joint banking account. However my partner newly relocated to XXXX had lost his wallet. During the week of the move he received roughly 129 State benefit checks from the state treasurer of Oregon. A friend of ours had mentioned which later we found out was incorrect ish that BECU allowed third party check. We understood that given the volume and the nature of our new account there would probably be likely a two week old. And so begins our experience with becu 's dishonesty campaign. The first day of deposits I put in a handful of checks and {$1400.00} cash. I stopped at whole foods across the street from the bank but two slices of pizza went outside to get a lift and my card had been locked. I'm then told that the account is going to be put on hold for 2 weeks while the checks clear and I explained that we just put every penny we had from my old bank account which I had started the process to close into this and we are left all weekend and the end of that week as this happened on a Wednesday with zero dollars zero access to our cash come Monday I'm very upset and I call and I demand that we figure out how this gets fixed at least for the cash I can be reasonable but that cash I need to live we could not buy food for the entire weekend furthermore on Friday we have been advised by someone at the call center that if we had gone in person we can talk to a banker and they could negotiate for us to get our cash out during that experience I came into contact with someone who is contagious for XXXX. Given my medical history that was a very very unfortunate dangerous and frankly uncertain situation for me to have to encounter and for nothing because the information given to us we were requested to go down on Friday was incorrect we were left empty-handed. Not only that I had to sit there while this employee of BECU spoke down to me like I was some criminal. Like I had ever in my life been accused of anything remotely similar to fraud because I have not. At one point I had to tell him to stop talking down to me and stop talking like I have done something so egregious. Like cash a signed over government check for my partner who lives with me. But even after that distasteful and frankly inappropriate treatment I waited the 2 weeks during which time I was hospitalized. Miss my opportunity to go on the next boat as I am now a commercial fisherman. Maybe I get out of the hospital maybe I don't I'm not sure I know I'm here for a reason. One of the people we spoke to went up and out of her way to help us find resolution and she asked me to print out a specific form from the website which I did from the hospital to sign it fill it out have my partner do the same and have somebody wasn't covid positive drop it off and we did and then that Branch was closed the next day so when I called on the day that I've been told repeatedly my money would be made available I was told by the representative on the phone we're almost done with the investigation just one or two more days. You did everything right you got that signature on that form now all we have to do is wait one or two more days it all looks good. So I called the next day and now I'm told when I'm not covid positive I can go down to the branch. Repeatedly I've said listen if these checks are not going to be accepted as they are at this point I am fine with closing the account send the money back to the state of Oregon you can send me the substitute checks or not I don't care because once you send that money back to the state they will take care of us because you are incapable as you have shown of being honest of giving a clear narrative of what needs to happen as multiple people have told me multiple different routes an outcomes in timelines. I have lost any remote idea of trust when it comes to this financial institution. They have demonstrated that they can talk down to their members that they can present a sense of godlike power over the course of their lives by withholding money that was not your marks for them to gain interest on but to sustain the life of my partner because of his situation and the things that he had to endure during this pandemic they believe they have the power to further the damage he's received and they are successfully doing so. In conjunction with filing this report I am also going to file reports with any federal agency that might oversee the operation of this business public complaints with the XXXX XXXX XXXX and right after that I start reaching out to local media. Which let me tell you they do love helping not just current or former military but people of XXXX and XXXX people this is the trifecta of you really should just do what's right because let me tell you when you're operating within the confines of honorable intentions your shield is much much stronger than when you're trying to commit fraud. We have been understanding because our situation is not your typical one and we've done everything that we can but at this point it's been made painfully clear that either I checked myself out of the hospital against medical advice and I go down there and I infect every person I have to talk to you and risk further damage to my body if I want to be able to pay our bills if I want my partner to be able to purchase the car that he desperately needs. Being XXXX there is no guarantee that I even get to experience life again leaving this hospital each day I'm more sick than I was the day before and something that could just give a little bit of peace to the uncertainty in my life is being withheld and it's not that they just said it in the beginning it's that I keep being given hope. So that I jump through a couple other rings of fire to be XXXX on by the horse so that the flames will be stifled out. I can't believe I'm having to file this complaint attempting membership with this institution was the single most regrettable action that I've done and I can't believe I took my friends advice when he said what a great place this was cuz let me tell you my experience is that they're dishonest and that they don't treat some members the same as others and I hope for their sake that they are operating within the confines of the law because I'll find out if they're not
06/03/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98056
Web
In XXXX my manager came to me with reports that a few of my paychecks over the course of 2-3 years were deposited twice. Confused and understanding that this shouldn't even be possible, I immediately contacted my bank via online support ( text chat ) because when I searched my banking profile transaction history I saw no such thing. When I got in contact with a rep, I asked THEM to search the entire history of my bank account for duplicate deposits. He reported back to me explicitly stating that there were ZERO duplicate deposits, and I made sure to ask him to check the entire history of my employment ( 3 years back ). He said two things, he explicitly confirmed what I had already believed, which is that it wouldn't be possible to deposit the same paycheck twice via mobile, and that you'd be met with an error in attempting to do so. He also said that he checked not only the duplicated checks in question, but also the entire history of my account and found ZERO DUPLICATES. I share this info with my employer and I move on. However, a few weeks later, I notice money being withdrawn from my account under a memo along the lines of " duplicate deposit withdrawal '', and it is the exact amounts of the checks my employer mentioned to me. After I thought it was all settled, the money starts leaving my account all at once. So of course I contact my bank again, and I explain everything to them, including the fact that the money currently leaving my account was said to be not actually duplicated. Well, the NEW reps response to that was that it turns out there actually WAS duplicated checks, and he told me to download my " eStatements '' PDF to look. I downloaded the PDF, and sure enough the transactions in question were there, but NOT on my banking profile ( where you're able to search your history by date/transaction amount etc ). So the money WAS effectively there, but I just wasn't aware of it without going into my eStatements. A few problems with this is that if the first rep I spoke to was able to find out the truth and tell me there were dupes when I asked, then I would have been able to better prepare for the incoming ONSLAUGHT of withdrawals coming from my account. But he didn't. He probably was looking at my banking profile transaction history, like any normal person would do. But the 2nd rep I talked to basically brushed it off as the employee being wrong. However, with this new rep I was able to confirm some things in plain writing. The bank is AWARE of an issue where the online banking profile will have INCORRECT OR MISSING INFORMATION ( verbatim ), and that the only way I can be 100 % sure about accurate info is if I download the eStatements PDF file. This bothered me, but I took it and moved on. The money in question was removed from my account, I managed to get through the temporary financial hit, and I moved on with the new information that I can't trust my banking profile information. I thought it was over. Now weeks after this happened, out of no where I completely lose access to my bank account. No notice, no warning whatsoever. At this point it had been long enough since the incident that I didn't even have it in mind. When I called them to see what was going on with my account, she mentioned that it was due to the double deposited checks, and that the financial crimes department is investigating and there is absolutely nothing I can do about it. I can't call anyone, all I know is that I'm waiting for an unknown entity to contact ME, and in the meantime my bank has been locked without word for a week. Rent was due, I have other bills to pay, and each day from here forth will dig me deeper into a hole. As for why the duplicate attempts were made in the first place, there are several reasons and they all play an important role. The biggest overarching reason is that I was 100 % under the impression that depositing the same check, via mobile deposit, especially to the same exact account, would never work. To me that's like thinking you can use a giftcard twice, it's just completely senseless. Furthermore, I keep all my paychecks because my apartment requires me to. Lastly, when attempting to deposit a check at work it will sometimes not work due to bad lighting, blurriness, whatever. So now I'm left with a signed check that isn't actually deposited, pushed to the side to attempt at a later time/different setting. Over the course of 3 years, some of these signed/undeposited " fail '' checks get misplaced or mixed in with the other kept checks. So naturally, I grab the checks I'm unsure of, load up my banking profile, search my history for that check, see if it's deposited or not, and deposit it if it isn't. I would search the history and not find the transaction, so I deposit it. The first employee I talked to obviously searched the same way I did and also found NOTHING, so it's not like I'm ignorant to how the banking profile works. On top of that, the final rep I talked to confirmed in plain writing that it's a known issue that the banking profile will have missing transactions. Neither parties ( my bank reps I talked to, or my employer ) expressed any belief that the duplicate deposits were malicious in any way, but regardless about a week after everyone moved on my account gets frozen and locked up with no notice or no signs of getting it back. Is there anything I can do? Do I have any rights? This is definitely causing financial problems as I can't pay for the bills I have. LUCKILY I did download the entire conversation with all of the bank reps because I don't even have access to that conversation anymore. I've attached the conversation ( s ) I've had with the bank reps. Including the one where the rep told me I was clear of all duplicate deposits. If he looked and found none, it's pretty reasonable to assume a regular user would find none. The attached PDF includes almost everything, including me slowly figuring out what's going on. I believe it paints the entire picture quite well.
12/12/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • WA
  • 98002
Web
An application was submitted to BECU in XXXX, however, my fianc and I decided to hold off on the process to see were the home market would go. After noticing that home prices were going down, my fianc and I decided to follow up with our lender on XX/XX/XXXX. Before restarting the application process, we also looked at the XXXX XXXX XXXX program however opted for BECU since the Home Ready program provided more benefits ( 3 % down payment assistance ) instead of XXXX XXXX ( {$2000.00} XXXX XXXX and {$1500.00} grant ). Although our income exceeded the XXXX XXXX AMI limit, I was under the impression that wed qualify for the down payment assistance program if we found a home that did not have an AMI limit ( per the Home Ready eligibility website ). With that in mind, my fianc and I looked for homes that fell under the No AMI Limit zones. During initial discussions with our loan officer and throughout the process, I asked about the down payment assistance program via phone and was confirmed by our loan officer multiple times that we would qualify for the down payment assistance program if we found a home in the No AMI Limit zones. With that in mind and since the application was still open, we decided to continue with the BECU application. From the start, the loan officer was not clear on what needed to be provided. Documents were requested in piecemeal. Paystubs were requested and submitted on XX/XX/XXXX. Additional documents ( XXXX, and recent bank statements ) were requested and submitted to our lender on XX/XX/XXXX and XX/XX/XXXX. During this time we were looking at homes and was in constant communication with our lender for status updates. It wasn't until XX/XX/XXXX was it brought to our attention that there was an issue with my fiancs pay stub which was missing hours ( paystub reflected XXXX hrs. instead of XXXX, the underwriter questioned if my fianc was a full-time employee even though she had XXXX hrs. of overtime included in the same paystub ). For the pay period that included XXXX of XXXX, my fiancs employer did not include holiday pay which led to the discrepancy. A verification of employment was required and the authorization form was submitted to BECU on XX/XX/XXXX. Although the paystubs were the first documents submitted, it was not brought to our attention that'd it'd be an issue until over two weeks later. My fiancs employer replied back on XX/XX/XXXX and obtained conditional approval on XX/XX/XXXX. We visited a home on XX/XX/XXXX and signed a purchase contract on XX/XX/XXXX. Our loan officer reached out to us on XX/XX/XXXX with different mortgage scenarios and rate options available based on the points we would pay. After further review, I noted each scenario did not include the funds we would receive from the down payment assistance program. Out of concern, I emailed our loan officer the following on XX/XX/XXXX, I just wanted to confirm, is the estimates provided part of the Home Ready program? There was initial concerns that we made too much but I double check the property against the XXXX XXXX Home Ready eligibility portal and the home falls within a no income limit area. If so, when would the down payment assistance portion be calculated with closing estimates? On the same day, our loan officer replied back the following, Yes, you are correct! You will qualify for Home Ready as well as the grant program as the home is in a no income limit tract. This is wonderful! I am reserving the grant program funds for you now and will switch the product over to Home Ready after it comes out of underwriting. With that reassured, we performed a home inspection on XXXX XXXX. On XX/XX/XXXX around XXXX XXXX, we were informed by our loan officer that we would not qualify for the down payment assistance program. Since it was late in the evening, a manager was unavailable to speak to. I was contacted by the XXXX XXXX XXXX Sales Manager on XX/XX/XXXX to discuss the options available. Since the issue was at no fault of our own, I asked if BECU would be able to provide the down payment assistance through their own reserves instead of the funds provided by the government program. She advised me that she would discuss the issue with her manager and would get back to me with resolution the following day. The manager contacted me on XX/XX/XXXX and informed me that BECU could not do anything about it. She indicated that since the grant funds was not included in the conditional approval letter, they would not provide assistance. Instead, they were willing to refund the cost of the appraisal for the inconvenience which was {$750.00}. Had we known from the start that we did not qualify for the down payment assistance program, we could have applied for the XXXX XXXX program and potentially receive {$3500.00} for home purchase costs. Since we were already in contract and the seller advised us they were in a rush to sell ( they were purchasing a home in XXXX and was afraid of having two mortgages ), we were unable to apply with XXXX XXXX. With the risk of losing the home if we were to restart the underwriting process with our second option ( XXXX XXXX ), we decided to continue with BECU. However, I did advise the manager that this was unfair and that a member complaint will be filed.
05/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • FL
  • 331XX
Web
XX/XX/XXXX, my wife and myself agreed to acquired a XXXX XXXX from XXXX XXXX XXXX ( XX/XX/XXXX ) in XXXX. I used my BECU Mastercard debit card to pay {$12000.00} USD. After two [ XXXX ] XXXX failed sessions and without using sophisticated medical treatments, we lost confidence on XX/XX/XXXX services and we asked for a refund [ XXXX ], which one of the coordinators told us that we used most of the funds already. This false statement made us consider to file a chargeback with my Credit Union [ BECU ]. A few days later, I received an email from XX/XX/XXXX stating that our refund will be completed within 60 days. By XX/XX/XXXX, I decided to file a chargeback under the claim of medical service not rendered. BECU accepted it and issued a provisional credit while the chargeback will be resolved. XX/XX/XXXX, I was contacted multiple times by XX/XX/XXXX officials, who informed me that my refund was ready. I contacted BECU more than once to ask them, what I should do? Every time I was told to ignore their requests because they had enough information to refund the money to my debit card. Seriously, I call them more than once, and the same answer was given to me each time. I must say that I totally ignored what was the process of chargeback. However, BECU decided to start the chargeback after XXXX ( which I learned that on XX/XX/XXXX ). According to BECU, they wanted to allow 60 days for XX/XX/XXXX to complete the refund. Eventually, this concealed information [ during XXXX ] became detrimental to me. Due to the fact, that I was able to physically obtain my refund before BECU filed the dispute and the outcome will be XX/XX/XXXX % favorable for all the parties involved. During the first week of XXXX, I contacted BECU to ask them if the provisional credit was already removed. BECU responded that actually, the chargeback was recently filed that it will take about 60 days to be completed. I told them but 60 days already went by. Precisely then, I learned that chargeback was not filled when I requested it back on XX/XX/XXXX but in XX/XX/XXXX. In fact, I was told no to worry, that I had a winnable case. Sometime in XXXX, BECU notified me that we lost the chargeback but it was strongly recommendable to file for a second one. Again, I had a solid case that this time the chargeback should be resolved in my favor. XX/XX/XXXX, I received a voicemail from BECU asking me to call them right away, which I was not able to do so. So, I call BECU the next day [ XX/XX/XXXX ] that was when I was notified that BECU turned the disputed chargeback to Mastercard, again that I shouldn't worry about it, this [ third ] time things will settle favorably to me. Emphatically, this third round started on the XXXX without my explicit consent. During the conversation, I expressed some concerns regarding the whole process and the past intentions of XX/XX/XXXX to refund my money, which I was not able to take advantage then. I was told that BECU collectively decided to continue this third time. In fact, they committed resources about it due to their confidence in this matter. XX/XX/XXXX, I received an email from BECU stating that the merchant [ XX/XX/XXXX ] won the chargeback, that they had a stronger argument than mine. Also, that BECU will not pursue this issue any further. They provided me with a standardized letter with some generic options to collect from the merchant, which most of the options are not applicable to XXXX. Somehow, I managed to contact XX/XX/XXXX and notified that they won the chargeback and I still should receive my refund. They said that they need to do some research because they don't have no notifications about the concluded chargeback closed on their favor. According XX/XX/XXXX, the chargeback issue is completely managed by their bank and they are not aware of the process or outcomes. Nonetheless, I forwarded the letter BECU sent me to notify me about the conclusion of the chargeback. Eventually, their bank rejected my letter issued by BECU for not including the pertaining information about the conclusion of the chargeback. Explicitly, they asked for reasonable requirements in a new letter that could be issued to me or the bank. Ideally, the letter to be written in XXXX since the transaction took place in XXXX, to be signed by a BECU Executive, to include my debit card number rather than my checking account, to include the reasoning of the concluded chargeback, to include BECU stamp. I must say, after XXXX the XXXX, BECU has been on total disengagement towards me. They don't show urgency about helping me to gather enough information about new requested letter. For sure, they insist in not being transparent, they are not pointing me to the right direction, they don't want to answer specific questions. Their continuous excuse is, to ask their leadership about how much they can help me in collecting the refund. BECU behave indifferent, they neglect me as a member of their Credit Union, they treat me as an outcast, for sure it feels that I am shunned. Currently, I regret all the ill advice BECU provided me while I could collect my refund. If I can not collect the refund, I will suffer financial hardship and BECU could not care.
09/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • WA
  • 982XX
Web
My wife pursued a job opportunity posted on XXXX for data entry from home. During the hiring process, the " company '' ( XXXX , XXXX ) asked if she wanted her wages paid via direct deposit. She said yes, they asked for our bank account number and routing number. They then told her that they would pay her a certain amount of money to purchase office equipment and software, by sending portions of the money to various people using apps such as XXXX, XXXX and XXXX. They however, did not state how they would pay her. On XX/XX/XXXX, she checked our bank account balance and found that there was a {$2500.00} " mobile deposit '' in our account. She did not authorize this, but assumed this had to do with the new job. She then proceeded to send money to various people via XXXX and XXXX. During this process, she decided this was a scam and did not want the job. She contacted the " company '' and stated she changed her mind. They acknowledged this, but requested their money back. Due to transaction limits on the transfer apps, she had to pay them in increments. The final payment she made was to " XXXX XXXX '' on XXXX for {$800.00}. That, in theory, completed paying back the {$2500.00} they paid her. However, looking on our bank transaction record, there were multiple more withdrawals from our checking account to " XXXX XXXX '' on XXXX, totaling {$1500.00}. None of these were authorized. Then our record shows a {$330.00} transfer to our savings account ( same bank ), and immediately afterwards a {$370.00} transfer FROM savings TO checking. Neither of us authorized either of those. After this, another {$500.00} was withdrawn from our savings account, again to " XXXX XXXX '' on XXXX. At this point, on XX/XX/XXXX, our checking account balance was {$1.00} and our savings account balance was {$3.00}. The same day, our bank flags the {$2500.00} deposit made on XX/XX/XXXX as " descriptive withdrawal- returned deposit '', as it states on our transaction record. This then makes our bank account balance - {$2400.00}. On XX/XX/XXXX, we received a letter from our bank ( see attachment ) on thick paper stating this deposit was returned because " altered/ fictitious '', and below is an image of a check, which is perforated for some reason. The check was from a company called " XXXX XXXX XXXX XXXX, XXXX '' in XXXX, OH. We had never heard of this company before, and to my wife 's knowledge, this company was unrelated to XXXX XXXX XXXX which had been in touch with her before. This check came from an account with XXXX XXXX XXXX XXXX XXXX in XXXX, OH. The check amount was the {$2500.00} which supposedly was the " mobile deposit '', but my wife 's full name was printed on the back where it would be endorsed. The font used to print her name looks like a font used when one " e-signs '' legal documents. I have contacted my bank asking about this check. They stated to me that either I or my wife made a mobile deposit of this check, knowing that it was fraudulent, and then proceeded to spend fraudulent money. All of these claims are false. A " mobile deposit '' to me implies that it is when one takes a picture of a check with their phone and deposits through the bank 's mobile app. However, neither of us have our bank 's app installed on our phones, and my wife was camping on the day the check was deposited, in a location where she had no cellular service. As one could see, I have two issues going on. One is the electronic theft of {$2000.00} from our bank accounts. This portion I am already addressing. I have contacted the local XXXX XXXX XXXX office where XXXX XXXX XXXX is located. I have contacted the Federal Trade Commission, I have contacted the Pennsylvania office of the Attorney General ( XXXX XXXX XXXX is supposedly located in Pennsylvania ). And finally, we have sought legal advice locally, our bank is currently reviewing all of these events, and we filed a police report with our local police department in XXXX, WA. The second issue is this {$2500.00} check that our bank thinks we owe them. As stated before, the check supposedly came from a company in XXXX, OH, with a bank account with XXXX. I contacted XXXX to inform them of this, and they are investigating on their end. I also contacted the XXXX XXXX XXXX office in XXXX, OH and they confirmed this " company '' ( XXXX XXXX XXXX XXXX ) does not exist. I also question my bank 's actions ( or lack of action ) for informing us of unusual bank activity. Last year I went out of the country and informed them beforehand. They still called me within the hour when I withdrew money from a foreign ATM. However on the other hand, a large check is deposited, supposedly with the mobile app, and it takes them six days to flag it as fake? By that time, my bank account had already been cleaned out. Please note : excuse the handwritten notes on the uploaded attachments. That was my attempt to sort out this entire mess. Also, please contact me by phone or email if there are any questions or more information needed.
11/22/2022 Yes
  • Checking or savings account
  • Checking account
  • 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
  • XXXXX
Web
On XX/XX/2022 I messaged my bank BECU about XXXX transactions on my account from XXXX. I clearly stated to my bank that I was unable to receive services from XXXX as I had paid for. I believe I was talking to a bot, and the bot took me through the process of disputing the transaction. The bot then told me a provisional credit would be provided to my account as the situation was resolved. I was confused about what had app and because I hadnt gotten any more information. On XX/XX/XXXX I called BECU to ask if and when I would receive a refund for the goods that I paid for and did not receive through XXXX. Through the earlier message I had already explained that the reason why I needed to dispute a transaction was because I was unable to stay at the XXXX, and the host was refusing to refund me. They then granted me the credit without me even fully knowing what was going on. When I called, I was told that the credit was already in my account. I was given no more information at this time. In mid XXXX I got an email from BECU dispute team asking for more information about my dispute with XXXX. I replied to that email with the information that I had. I heard nothing back from BECU, and logged in on Monday because I have been waiting for a debit card for from them for over a month. And messaging constantly about it, as the agent I spoke to had told me that I would be provided with tracking and I was not. Then I was told that tracking does not exist, so given more incorrect information. I log into my account to see that it was suddenly in the negative. I talk to an agent for four hours, explaining my confusion, and that I did not receive the service and I did not stay at the XXXX. I went through the whole process for hours of me, resubmitting documentation. I submitted proof of me talking to XXXX, proof of the host of XXXX XXXX XXXX XXXX I did not stay there, and proof of the dates to BECU. I explained to the BECU agent that I am in foreign country and without medication and it is the reason that I was messaging to check on my card in the first place. I told her that this was an emergency and they had been a lot of miscommunication on XXXX end. She told me that she was expediting a reversal for my card to bring my account that was in good standing back to what it was. I came back into my account today to check and another {$230.00} was missing from my account. Sending me into an overdraft of {$230.00}. With no money in a foreign country. I contacted BECU for now a fifth time, and was told suddenly that because of the terms of XXXX, and because of the terms of XXXX you that the money was taken out of my account rightfully. That in order to get refunded for not having to receive the service, it had to of been a fault of the host, not providing it. I was not told us at all when I was given this provisional credit. I was given no information and suddenly three months later my bank account is in the negative. I am in a foreign country with absolutely no money, and my money, literally taken from me by BECU. They are completely disorganized and their communication and employees and I have been given a multitude of incorrect communication and information. I was not made known of this process and its severity and fullness and was severely taken advantage of by BECU. I now have a - {$230.00} with no way to get medication, food, or common things. Ive been in contact with BECu for over 24 hours. I need the money put back into my account. It is not the fault of mine that they did not provide the correct information. If I knew that those were the terms of service I would have not of carried through with the transaction. I will put here both in all conversations and the original conversation with the bot that granted the transaction in the first place. This is an emergency situation, and I am reporting BECU for its miss information, and essentially stealing from customers. A resolve to me, would be for this entire thing to be reversed, and for the money to be put back in my account should not have been taken in the first place. They left me in the dark and then punished me for it, and they should not have bots carrying through with such important tasks as the result is situations like this. There has been a litany of other problems I have had with this bank. It is almost continuous issues. But to open my account today and see it suddenly in the negative is something unacceptable. This is borderline criminal, and does not seem illegal to me at all. So I would like to report BECU and get this resolved.
03/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34771
Web
PREVIOUS CFPB COMPLAINT XXXX HAD THE WRONG PICTURES/DOCUMENTS ATTACHED. THIS IS THE CORRECT COMPLAINT WITH ATTACHMENTS. ___________________________ Certificate Of Non-Response Date : XX/XX/2022 Re : Acceptances by BECU on account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to adjust and/or settle account XXXX XXXX XXXX XXXX, also serving as a demand to not close, terminate, suspend and/or freeze my account. This notice is Pursuant state law Evidence of Dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. On the date of XX/XX/2022, BECU at XXXX XXXX XXXX, XXXX, WA XXXX received a remittance/coupon payment via Certified Mail. The corresponding Certified Mail number is XXXX XXXX XXXX XXXX XXXX as verified by Certificate Of Service. After acceptance of mailing, BECU refused to send confirmation that account XXXX XXXX XXXX XXXX has been adjusted and/or settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding XXXX XXXX XXXX XXXX. BECU did not cure their dishonor. BECU gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account XXXX XXXX XXXX XXXX or send a notice of dishonor. Therefore, based on the foregoing facts I state that BECU dishonored me, XXXX XXXX XXXX, through non-response, and did thereby agree that BECU accepted the remittance/coupon payment for account number XXXX XXXX XXXX XXXX exchanged exemption for the discharge of the associated charges, including an adjusted and/or settled account showing an adjusted balance, sent a letter of credit to the Secretary Of Treasury as notice that exemption is to be used to adjust and/or settle account number XXXX XXXX XXXX XXXX. Further, BECU agreed that refusal to send the written confirmation of an adjusted and/or settlement of account XXXX XXXX XXXX XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be adjusted and/or settled. BECU and any of its representatives have no capacity to pursue collection on said account XXXX XXXX XXXX XXXX, under UCC 3-603 , UCC 3-111, UCC 3-311, Pursuant 15 U.S. Code 1611 in the amount of {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the mount of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC 3-306, Pursuant 15 U.S. Code 6823 ( a ), Pursuant 15 U.S. Code 1635, Pursuant 15 U.S. Code 6827 ( 4 ) ( b ), Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation or higher depending on pattern of failures aka R.I.C.O. charges in accordance with TILA Regulations, Pursuant 15 U.S. Code XXXX ( d ). I, XXXX XXXX XXXX, the affiant, am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 1692c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who has created the debt. I will declare default judgment in favor of I, XXXX XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit 1, that I owe the alleged debt shown in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( 1 ) in the amount of damages awarded in the amount of judgment in class action suit and that any further pursuit of collection is agreement that BECU collectively and without argument owe XXXX XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$7900.00} and all just due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TILA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I, XXXX XXXX XXXX, XXXX take all necessary actions to secure the claim to the remedy which is owed. Notice To Agent ; Notice ; Knowledge U.C.C. 1-202 Respectfully All Rights Reserved Without Prejudice U.C.C 1-308 Date : XX/XX/2022 XXXX XXXX XXXX Executor Of The Estate ; Authorized Representative
12/07/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98258
Web
First of all thank you for taking the time to review my claim. I am a XXXX XXXX XXXX XXXX who has been banking with BECU since XXXX. On XX/XX/XXXX I received a telephone call from an individual claiming to be from XXXX XXXX team. I usually never answer unknown phone calls but I was waiting for a call from a XXXX and knew that I would have to answer a call from an unknown number. So when I got the call, I answered it. This is where the story and the fraud that happened to me begins. The person said they were from XXXX XXXX team and they stated that I may have some unusal activity that there was a charge on my account for a new XXXX {$990.00}. They asked me if I had made that purchase. I said No. The person then proceeded to tell me to log into my XXXX account, and have me look at it. The fact that I logged into my XXXX account allowed the fraud to happen. The person on the other end of the phone told me download team share so that he could show me where the fraud was. We went into my XXXX account and he stated that he need my XXXX so he could show me. Once he got into my XXXX account I started getting texts on my phone for money transfers from XXXX, I saw the amount of {$990.00} being transferred and I typed no. I started to panic, I grabbed another phone that I have but it was dead so I had to charge it. In a few minutes I tried calling BECU to see if someone was taking money out of my account. Due to the hold time, I got into my car and traveled over to BECU XXXX XXXX. Waited to see a banking assistant. Once I was with an assistant, I explained to him what had happened. I was in the BECU XXXX XXXX XXXX for 3 hours trying to get my account fixed only to find out that because it was XXXX I would most likely not get my money back. I lost over {$2000.00}. Now, this the interesting part, while I was there at the XXXX XXXX BECU branch there were several people coming and going that were customers. I was able to over hear several customers complaing of the same fraud. I heard the various assistants telling customers basically the same thing. Sorry, we cant help you with that. Here is my question, BECU calls XXXX and XXXX tells them since I allowed someone onto my computer they will. How, is it allowed that a bank can let a persons complete account be drained in a matter of seconds without some type of safe measures? I have called BECU and ask to talk to the Fraud team, XXXX XXXX of the XXXX that I spoke to told me there was a lot of this happening! I stated to her at one point that BECU should drop the XXXX app from their XXXX model she proceeded to tell me that XXXX was the safest! I said, I dont think its the safest if they are allowed to tap into a costumers account without some sort of safety measures. How is it that they could go into an account, take {$990.00}, {$800.00}, {$590.00}, {$590.00}? She told me that they would be looking into receiving my money and that it may take a couple of weeks. So a couple weeks go by and I hear nothing from BECU but a letter stating that XXXX was not going to refund the money and that the claim was resolved. So on Monday, XX/XX/XXXX I go back into the BECU branch in XXXX XXXX approximately XXXX p.m. Met with the bank XXXX was working with him. He tried calling XXXX fraud after on hold for approx XXXX minutes he was able to talk to the XXXX XXXX team. That is when the XXXX XXXX team XXXX told him that it was my fault and that they weren't going to refund the money. The bank XXXX then attempted to contact the BECU fraud team after being on hold for more than XXXX minutes I left because the bank XXXX would reach me later. He would call me once he could get through. On XX/XX/XXXX I went back into BECU XXXX XXXX approx XXXX a.m. and requested to talk to the bank XXXX. Because I refused to put on a XXXX I was kicked out of BECU. I have been with BECU since XXXX. I went home and made a call to BECU to talk to the XXXX XXXX and get my bank account unlocked. I have been off and on the phone with BECU for over XXXX hour. The person from the XXXX team stated that I was out of luck and probably would not receive my money back. ( have this recorded ) That is when I asked to talk to her XXXX.
03/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34771
Web
Certificate Of Non-Response Date : XX/XX/2022 Re : Acceptances by BECU on account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to adjust and/or settle account XXXX XXXX XXXX XXXX, also serving as a demand to not close, terminate, suspend and/or freeze my account. This notice is Pursuant state law Evidence of Dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. On the date of XX/XX/2022, BECU at XXXX XXXX XXXX, XXXX, WA XXXX received a remittance/coupon payment via Certified Mail. The corresponding Certified Mail number is XXXX XXXX XXXX XXXX XXXX as verified by Certificate Of Service. After acceptance of mailing, BECU refused to send confirmation that account XXXX XXXX XXXX XXXX has been adjusted and/or settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding XXXX XXXX XXXX XXXX. BECU did not cure their dishonor. BECU gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account XXXX XXXX XXXX XXXX or send a notice of dishonor. Therefore, based on the foregoing facts I state that BECU dishonored me, XXXX XXXX XXXX, through non-response, and did thereby agree that BECU accepted the remittance/coupon payment for account number XXXX XXXX XXXX XXXX exchanged exemption for the discharge of the associated charges, including an adjusted and/or settled account showing an adjusted balance, sent a letter of credit to the Secretary Of Treasury as notice that exemption is to be used to adjust and/or settle account number XXXX XXXX XXXX XXXX. Further, BECU agreed that refusal to send the written confirmation of an adjusted and/or settlement of account XXXX XXXX XXXX XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be adjusted and/or settled. BECU and any of its representatives have no capacity to pursue collection on said account XXXX XXXX XXXX XXXX, under UCC 3-603 , UCC 3-111, UCC 3-311, Pursuant 15 U.S. Code 1611 in the amount of {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the mount of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC 3-306, Pursuant 15 U.S. Code 6823 ( a ), Pursuant 15 U.S. Code 1635, Pursuant 15 U.S. Code 6827 ( 4 ) ( b ), Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation or higher depending on pattern of failures aka R.I.C.O. charges in accordance with TILA Regulations, Pursuant 15 U.S. Code 1692k ( d ). I, XXXX XXXX XXXX, the affiant, am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 1692c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who has created the debt. I will declare default judgment in favor of XXXX, XXXX XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit 1, that I owe the alleged debt shown in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( 1 ) in the amount of damages awarded in the amount of judgment in class action suit and that any further pursuit of collection is agreement that BECU collectively and without argument owe XXXX XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$7900.00} and all just due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TILA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I, XXXX XXXX XXXX, may take all necessary actions to secure the claim to the remedy which is owed. Notice To Agent ; Notice ; Knowledge U.C.C. 1-202 Respectfully All Rights Reserved Without Prejudice U.C.C 1-308 Date : XX/XX/2022 XXXX XXXX XXXX Executor Of The Estate ; Authorized Representative
03/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34771
Web
Certificate Of Non-Response Date : XX/XX/2022 Re : Acceptances by BECU on account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to adjust and/or settle XXXX XXXX XXXX XXXX, also serving as a demand to not close, terminate, suspend and/or freeze my account. This notice is Pursuant state law Evidence of Dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. On the date of XX/XX/2022, BECU at XXXX XXXX XXXX, XXXX, WA XXXX, received a remittance/coupon payment via Certified Mail. The corresponding Certified Mail number is XXXX XXXX XXXX XXXX XXXX as verified by XXXX Of XXXX. After acceptance of mailing, BECU refused to send confirmation that account XXXX XXXX XXXX XXXX has been adjusted and/or settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account XXXX XXXX XXXX XXXX. BECU did not cure their dishonor. BECU gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account XXXX XXXX XXXX XXXX or send a notice of dishonor. Therefore, based on the foregoing facts I state that BECU dishonored me, XXXX XXXX XXXX, through non-response, and did thereby agree that BECU accepted the remittance/coupon payment for account number XXXX XXXX XXXX XXXX exchanged exemption for the discharge of the associated charges, including an adjusted and/or settled account showing an adjusted balance, sent a letter of credit to the Secretary Of Treasury as notice that exemption is to be used to adjust and/or settle account number XXXX XXXX XXXX XXXX. Further, BECU agreed that refusal to send the written confirmation of an adjusted and/or settlement of account XXXX XXXX XXXX XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be adjusted and/or settled. BECU and any of its representatives have no capacity to pursue collection on said account XXXX XXXX XXXX XXXX, under UCC 3-603 , UCC 3-111, UCC 3-311, Pursuant 15 U.S. Code 1611 in the amount of {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the mount of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( XXXX ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC 3-306, Pursuant 15 U.S. Code 6823 ( a XXXX, Pursuant 15 U.S. Code 1635, Pursuant 15 U.S. Code 6827 ( 4 ) ( b ), Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation or higher depending on pattern of failures aka XXXX. charges in accordance with XXXX Regulations, Pursuant 15 U.S. Code 1692k ( d ). I, XXXX XXXX XXXX, the affiant, am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 1692c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who has created the debt. I will declare default judgment in favor of XXXX, XXXX XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit 1, that I owe the alleged debt shown in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( 1 ) in the amount of damages awarded in the amount of judgment in class action suit and that any further pursuit of collection is agreement that BECU collectively and without argument owe XXXX XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence, {$3500.00}, and all just due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TILA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I, XXXX XXXX XXXX, XXXX take all necessary actions to secure the claim to the remedy which is owed. Notice XXXX XXXX ; Notice ; XXXX XXXX. XXXX Respectfully All Rights Reserved Without Prejudice U.C.C 1-308 Date : XX/XX/2022 XXXX XXXX XXXX Executor Of The Estate XXXX Authorized Representative
03/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34771
Web
Certificate Of Non-Response Date : XX/XX/2022 Re : Acceptances by BECU on account number XXXX I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to adjust and/or settle account XXXX, also serving as a demand to not close, terminate, suspend and/or freeze my account. This notice is Pursuant state law Evidence of Dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. On the date of XX/XX/2022, BECU at XXXX XXXX XXXX, XXXX, WA XXXX received a remittance/coupon payment via Certified Mail. The corresponding Certified Mail number is XXXX XXXX XXXX XXXX XXXX as verified by Certificate Of Service. After acceptance of mailing, BECU refused to send confirmation that account XXXX has been adjusted and/or settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding XXXX. BECU did not cure their dishonor. BECU gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account XXXX or send a notice of dishonor. Therefore, based on the foregoing facts I state that BECU dishonored me, XXXX XXXX XXXX, through non-response, and did thereby agree that BECU accepted the remittance/coupon payment for account number XXXX exchanged exemption for the discharge of the associated charges, including an adjusted and/or settled account showing an adjusted balance, sent a letter of credit to the Secretary Of Treasury as notice that exemption is to be used to adjust and/or settle account number XXXX. Further, BECU agreed that refusal to send the written confirmation of an adjusted and/or settlement of account XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be adjusted and/or settled. BECU and any of its representatives have no capacity to pursue collection on said account XXXX, under UCC 3-603, UCC 3-111 , UCC 3-311, Pursuant 15 U.S. Code 1611 in the amount of {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the mount of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC 3-306 , Pursuant 15 U.S. Code 6823 ( a ), Pursuant 15 U.S. Code 1635, Pursuant 15 U.S. Code 6827 ( 4 ) ( b ), Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation or higher depending on pattern of failures aka R.I.C.O. charges in accordance with TILA Regulations, Pursuant 15 U.S. Code 1692k ( d ). I, XXXX XXXX XXXX, the affiant, am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 1692c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who has created the debt. I will declare default judgment in favor of I, XXXX XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit 1, that I owe the alleged debt shown in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( 1 ) in the amount of damages awarded in the amount of judgment in class action suit and that any further pursuit of collection is agreement that BECU collectively and without argument owe XXXX XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$320.00} and all just due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TILA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I, XXXX XXXX XXXX, XXXX take all necessary actions to secure the claim to the remedy which is owed. Notice To Agent ; Notice ; Knowledge U.C.C. 1-202 Respectfully All Rights Reserved Without Prejudice U.C.C 1-308 Date : XX/XX/2022 XXXX XXXX XXXX Executor Of The Estate ; Authorized Representative
04/14/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CO
  • XXXXX
Web Servicemember
In XXXX of XXXX I co-signed for a credit card on which my daughter is the primary account holder. In XXXX of XXXX I discovered that while I thought the credit limit was {$10000.00} the credit limit was {$28000.00} and that my daughter had used all of the available credit on the card. On XX/XX/XXXX I called to try to close the account to try to mitigate my damages. The representative could not find a record under my name or social security number. I was transferred to Loss Management and repeated my situation. I was told that they did in fact have my information but that I couldnt close the account without my daughters signature. My daughter will not consent. I was transferred yet again to the main number " because they could help me, '' but the rep could not find my information. Knowing that interest is about to begin to accrue on this account, on XX/XX/XXXX I again called BECU in an attempt to close the account and/or make a large payment on it to help avoid interest. The representative said she had tried three different ways and could not locate my information. She tried to reach the Credit Disputes Department for me but said it just rang and rang. She said the contact center ( which is the main number ) could help and transferred me. After being on hold for quite some time, this next representative did find my information and assisted me in closing the account ( why couldn't they do it before? ). On XXXX I called to make an {$8000.00} payment. The prompts led me down a trail of being able to use the automated system to make a payment, but then the system wanted a member number and the last four of my social. I dont have a member number as I was never made a member. So I called back. The first rep I spoke with ( XXXX XXXX asked for my first and last name and the last four of my social to verify my information. There was a pause, then he asked for my mothers maiden name and my date of birth. I gave this information to him. He said the system was pulling up my information. Then he said the information did not include the last four of my social or my date of birth. He said he could not take the payment because he could not verify my information because my social and date of birth werent input. He said the Loss Management Department would take my payment and transferred me. I spoke to a female rep in the Loss Management Department. She tried to find my information and could not and informed me that because of this she could not take my payment. I pointed out that BECU was reporting the debt to the three credit bureaus and that the account was incurring interest because they would not take my payment. I then hung up. On XXXX, after having disputed the debt with the three credit reporting bureaus and two of them coming back with verification that the account is accurate, once again I called BECU to make an {$8000.00} payment. The first rep said she could see my information but couldnt take my payment because its coming from another institution ( dont they always? ). She said she would transfer me to another department. I told her that every time I get transferred the next person cant see my information. She said she cant pull me up on one system but can pull me up on the Visa side. The next rep said that because my information isnt in the system she couldn't take a payment, but the automated system can. I explained that is not possible because I dont have a member number. Then she said she could take the payment but couldnt provide me with any information. I said I didnt want any information I just want to make a payment. She informed me there was a {$2000.00} limit per day for payments and a transaction fee of {$4.00} per payment. Thats 14 phone calls to people who dont have my information ( each phone call takes about half an hour, so 7 hours on the phone ) and transaction fees of {$63.00} for 14 transactions. And that's IF they can " find my information. ''
03/25/2020 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • WA
  • 98032
Web
On XX/XX/XXXX, I applied to open a checking account with BECU. I currently have a checking account ( and associated debit card ) with XXXX XXXX XXXX, and have had since XXXX. I planned to use this second checking account ( an interest-bearing account ) primarily as a savings account, with some occasional debit card activity. To my shock and surprise, my BECU checking account application was declined - and I was told that the declination was the result of a low Consumer Score ( XXXX ) I was assigned, as BECU 's minimum acceptable score is XXXX. This low score ( according to BECU ) was being assigned as a result of information provided by an agency known as XXXX. I had never heard of this agency before, but following the instructions provided in the BECU declination letter, that same day I made an online request to XXXX for a free copy of the exact report/information they had provided BECU. Several days later I received a report from XXXX in the mails, with absolutely no negative, derogatory, or adverse information on it! Confused, I decided to make an appointment with a BECU banking representative ( at the local XXXX XXXX office ) - I showed him the XXXX report I had received, and he said he could see nothing that would cause concern, and he even " looked '' at my XXXX record from the Credit Unions ' access side - then he said something that caused me a lot of concern - he said he had never seen a record like that - that usually there were notations of NSFs or other adverse activities - but on my record, there was nothing. He then suggested that I contact XXXX, and try to get an explanation from them. That idea proved to be absolutely worthless, as the XXXX rep just told me I could dispute anything on the report - but wait! - what can I do if there's no negative information to dispute?? They also told me I could dispute the previously-assigned score. So I did both those things, but the reports came back with no new information, and the score came back only 3 points higher ( XXXX ). I decided to speak to someone at BECU one more time, to see if perhaps I was overlooking something on the report. I also wanted to try and get some guidance on what my next steps should be. I met with a district branch manager at BECU 's corporate headquarters in XXXX. This proved, once again, to be an exercise in frustration, as she looked over the XXXX report very carefully, but could find nothing of concern. She asked me who I currently banked with, and I told her that I had banked with XXXX XXXX XXXXXXXX for the last 10 years. After spending an hour with her, as she looked up terms used on the XXXX report trying to determine what might be causing the low scoring, the only thing she ended up suggesting is that I go to XXXX XXXX XXXX, and ask them to file a formal dispute with XXXX, as there must be something that they're reporting in error. Of course, she was working under the assumption that XXXX was indeed reporting some misinformation - so my next meeting was with a XXXX branch manager at the XXXX branch in XXXX XXXX ( where I first opened my account back in XXXX ). This meeting also became a frustrating experience, as this manager was insistent that the bank was reporting no derogatory information to XXXX, so she was not able to dispute anything - once again saying that this XXXX report I had was very unusual. Then she actually told me that I should now seek legal counsel and protection under the consumer protection laws, and file a formal complaint under the FCRA. So, here we areI 've been unfairly denied the opportunity to establish a checking account with BECU because of an unwarranted decision made by BECU ( which BECU says is based on information given to them by XXXX ), and neither XXXX, nor BECU seem to be able to provide me with a verifiable reason that I was not allowed to establish a checking account with BECU at this time.
09/14/2023 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WA
  • 98391
Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against BOEING EMPLOYEE CREDIT UNION / BECU, reference XXXX, XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, I am making this complaint against BOEING EMPLOYEE CREDIT UNION / BECU, for committing identity theft. I have never given BOEING EMPLOYEE CREDIT UNION / BECU, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with BOEING EMPLOYEE CREDIT UNION / BECU and my failure to dispute the validity of the alleged debts shall not be construed as an admission of liability pursuant 15 USC 1692g ( c ). As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving BOEING EMPLOYEE CREDIT UNION / BECU any right to collect on this alleged debt. I have never received any documentation requesting validation from BOEING EMPLOYEE CREDIT UNION / BECU, before they committed multiple violations under FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If BOEING EMPLOYEE CREDIT UNION / BECU, can not provide me proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BOEING EMPLOYEE CREDIT UNION / BECU, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BOEING EMPLOYEE CREDIT UNION / BECU, continues its collection efforts, I will file for litigation for actual damages caused and BOEING EMPLOYEE CREDIT UNION / BECU, shall be liable for violations of TILA, FCRA, GLBA, XXXX, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act. BOEING EMPLOYEE CREDIT UNION / BECU shall be held accountable for actual damages caused, and shall be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
08/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WA
  • 98391
Web
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against BOEING EMPLOYEE CREDIT UNION / BECU, reference XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of XXXX XXXX XXXX, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, I am making this complaint against BOEING EMPLOYEE CREDIT UNION / BECU, for committing identity theft. I have never given BOEING EMPLOYEE CREDIT UNION / BECU, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under XXXX XXXX XXXX XXXX ( XXXX ). I have not validated any alleged debt with BOEING EMPLOYEE CREDIT UNION / BECU and my failure to dispute the validity of the alleged debts shall not be construed as an admission of liability pursuant XXXX XXXX XXXX ( c ). As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving BOEING EMPLOYEE CREDIT UNION / BECU any right to collect on this alleged debt. I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX / BECU, before they committed multiple violations under FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to XXXX XXXX XXXX ( XXXX ) which the FTC defines as debt parking. If BOEING EMPLOYEE CREDIT UNION / BECU, can not provide me proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. I am legally refusing to pay this debt pursuant to XXXX XXXX XXXX XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BOEING EMPLOYEE CREDIT UNION / BECU, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BOEING EMPLOYEE CREDIT UNION / BECU, continues its collection efforts, I will file for litigation for actual damages caused and BOEING EMPLOYEE CREDIT UNION / BECU, shall be liable for violations of XXXX XXXX XXXXXXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX, and XXXX Act. XXXX XXXX XXXX XXXX / BECU shall be held accountable for actual damages caused, and shall be held criminally liable for aggravated identity theft pursuant to XXXX XXXX XXXX, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
04/28/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98258
Web
I wanted to take advantage of a service that the bank BECU ( Boeing Employees Credit Union ) offers. The service I speak of used to be called " Courtesy pay '' but since their most recent Fee Charging lawsuit - they changed the name to " Optional Overdraft Service For Debit Card Transactions. '' This service as described in their consumer disclosure, is supposed to allow you as a member of the credit union, overdraw your account in the event of insufficient funds. This service is common among banks. I believe that BECU is being Deceptive, Discriminatory, and Abusive with this service. Nowhere on their disclosure does it say that this service is not guaranteed to work. At least not online, where you are Required, to opt-into the service. I read their online consumer disclosure .... it says that they will charge you a fee if you opt into the service and overdraw your account of up to 5 times. I have banked here for at least several years, and have never overdrawn my account .... I recently have had some life events leaving me in a bind and in an emergency. I decided, I'm a good member here. I have loans and I have multiple accounts here. So I decided I should try to opt into the service and fix my urgent emergency. I knew I was going to run out of money by Thursday, and I knew I would also run out of gas to travel to and from work ahead of time. Mindfully trying to manage my finances .... BECU reps understanding this ... ... were still unwilling to do anything about letting me spend a measly {$10.00} or {$20.00} just to purchase gas ... .... ( with the service that they provide and I signed up for ... .let me remind you )- below is how the interactions went. I originally called on the XXXX of XX/XX/2023 to add the service. The service did not work when I tried to use my debit card that day. So I called again on the XXXX of XXXX and they told me it is instead required to opt into the service specifically for debit cards on their online banking and can ONLY be done on a computer ... .. ( meaning I had to go home and sign up, could not do it mobile or even over the phone with the rep ) So I did that when I got home after the 2nd call.. However, the next day XX/XX/XXXX, My card still got declined. I was never able to take advantage of the service. Additionally I called today on the XXXX of XXXX to resolve this matter, and instead of being transferred to a supervisor, the representative tried to transfer me to a loan officer to get a loan instead... which I expressed no interest in. It appeared the rep then tried to transfer me to a lead or supervisor at least 2 additional times, but the supervisor declined to speak with me on those occasions. I was on the phone with the rep for over an hour .... and I spoke to a supervisor for less than 3 minutes. The supervisor and the rep both agreed that the supervisor did in fact decline to speak with me, for reasons unknown .... I find this whole interaction discriminatory, deceptive, and abusive. - At this point I did file a formal complaint, only with the rep .... as the supervisor felt it was unnecessary to file his own complaint ( I asked him to file a second complaint for not wanting to speak with me ) .... and at this point I am waiting to speak to a manager, which they did inform me will be tomorrow ... .... ( not helping me in my emergency need for gas... which they were very well aware about ) and I wasn't asking for anything out of the ordinary ..... I was simply asking why I can not take advantage of the service that they offer ... ..... I felt like I was being discriminated against and that others were taking advantage of this service, but for unknown reasons I was unable to?
02/21/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • WA
  • 98223
Web
I purchased a home using BECU on XX/XX/XXXX for {$210000.00} which was stated at XXXX square feet and the home was valued at {$210000.00}. My original loan amount was {$190000.00}. At the time of purchase between BECU and the escrow company my down payment of just over {$27000.00} was sent to the wrong financial institution to a closed account. This nearly delayed the closing of my transaction and the entire day of recording I had to work to retrieve my down payment and get it sent to the correct institution and escrow account. XX/XX/XXXX I had another appraisal done for a cash out refinance ( which did not close and cost me money ). The appraiser discovered my house was in fact XXXX square feet. This could not be correct as houses do not shrink, I had lost XXXX square feet. The county came out and remeasured and my home was in fact only XXXX. The value per square foot at purchase was $ XXXX= {$180000.00} this was the correct value at the time of purchase as the square footage was incorrect. With my loan amount of {$190000.00} and the value of {$180000.00} BECU financed my 30 year fixed conventional mortgage at 104 % which is outside of the product guidelines and would be considered predatory lending. If the correct square footage was calculated BECU would have denied my loan and I would not have purchased a property that was potential upside down {$28000.00} I asked that BECU remove my private mortgage insurance as the new appraisal stated a value of {$240000.00} and based on the current loan balance I was at {$180000.00} which is 75 % loan to value. They denied my request as they wanted me to pay for an additional appraisal. I was told that the Vice President of the mortgage department was going to contact me about this whole situation XXXX XXXX and I have yet to hear from this person to date. I am an educated consumer and understand as such I have responsibilities to pay my bills and not buy products that could appear predatory or threatening to me and my finances. This purchase of my home since the start has been predatory whether it is the county, the appraiser or BECU ; I was given a mortgage loan that on any other day would have been denied based on the specifications of underwriting. I am being denied the option to lower my mortgage payments by removing PMI. BECU is a very large well-known institution and I believe their mortgage practices and current loans on the books should be reviewed/audited. BECU should be more concerned with their reputational risk in the arena of mortgage lending. I feel that I am not an isolated consumer in regards to these lending products or issues. I had purchased an REO from BECU back in XXXX and about a year later they gave me over {$1600.00} into my savings account as they had overcharged me at origination of my mortgage back in XX/XX/XXXX. No one at BECU could figure out where the funds came from in my account, as I never used my BECU savings I thought it was an error. I never received any notification from BECU mortgage that the error had been made and I had received a partial refund of my original closing costs in XX/XX/XXXX. In summary, BECU has shown me on my XXXX and only home purchases that they lack the detail or competence to offer these products. I am only one of the thousands of members who utilizes BECU mortgage lending products. My fear or concern is that more consumers have had similar issues as well and may not even be aware at this time. I would like Forgiveness on my outstanding mortgage in the amount of {$28000.00} Removal of my private mortgage insurance without paying for an additional appraisal
09/19/2015 No
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • WA
  • 98168
Web
I got on a bus and a man approached me striking up a casual conversation. He sounds like a good guy and it seems like we are getting along well. After I get off the bus he follows me and asks me where I am headed. I point in the general direction and he also says he is going in the same direction. We continue talking and I begin to try to get away from him but he stops me and asks for my name. I give him my name and he gives me his. Then as I turn away he asks if I he could get XXXX dollars to ride the ferry. At the moment I have no cash and I tell him no. He insists that he needs some cash or he will have to stay the night downtown and that he has a 9 year old at home alone. So I figured he was a nice guy so why not go to an atm and get XXXX dollars for him. When we arrive to an atm I go to get the money as I punch in my code I do n't notice how close he is to me. He stops me and takes control of atm from my right side and asks me if i withdraw money at all that day. I say XXXX bucks earlier then he tells me he needs XXXX dollars and that I have enough to spare. I hesitate and I do n't know what to do or how to respond and before I know it he has XXXX dollars in his pocket. We walk out and I do n't know what to do. This man is way bigger than me and I ca n't do anything to him physically and he is still hanging around me. He convinces me that he is going to pay me back the next day and he gives me his number and gives me a time and place to meet a XXXX time. At this point I am really hoping he will pay me back and having had an hour conversation he seemed like the guy that would. Next day I go and meet him expecting him to pay me back. At this point he pulls out his phone and tells me I need to show him my debit card and he can do it electronically. I am confused and suspicious and I ask him why he needs my card. He says, " just swipe to get the transfer info '' so I pull out my card. He takes my card and swipes it. And then says he ca n't give me back my card for awhile because he needs to get the transfer through. Again he tells to see him the next day and refuses to give me my card. At this point I want to call the police but I do n't know if I can because I gave him the card. He assures me there is nothing to worry about and that my money will be back by the next day then he rushes off before I could do anything. I follow him for awhile then I lose track of him. Frustrated and confused, not knowing any of my rights as a citizen, I do n't know what to do. I get home and check my bank account and I have lost XXXX dollars within 2 days of meeting this man. He was still using money frequently and so scramble to find answers online. I find some info tells me to contact the bank and cancel my card and to call the police. The damage is done and its really late but I call my bank anyways. I am able to cancel my card but the guy contacts me trying to get information about my card, telling me to unblock it. I play stupid and tell him I do n't know what is happening. He wants to meet again tomorrow to " Solve '' this problem and I am really scared. I do n't know what to do and if I can call the cops on this guy. I do n't know if this is classified as a scam or identity theft but I feel like I ca n't do anything about it. I know the guys first name, where he says he works, and i have his phone number. I feel like I was being nice at first. Then he just kept taking advantage of me and I have really bad anxiety so I 'm scared to say NO even if I know I should.
08/07/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98105
Web
On XXXX XXXX, 2017, {$62.00} was debited from my checking account. While the recipient ( XXXX ) looked legitimate the amount taken was a mystery to me. My normal monthly payment on my student loan is a different amount and set to autopay on a different day each month. I logged in to my student loan account at XXXX and was able to see my normal payments reflected in my payment history. The extra charge of {$62.00} was not reflected in my account payment history. I phoned XXXX. I was asked to provide proof that the charge had occurred. I uploaded this documentation as required. I was told that they would investigate and get back to me. They did n't. I restarted the process again, provided the same documentation and trying to get somebody to pay attention to my situation. That still did n't happen until finally, on XXXX XXXX 2017 I was put in touch with a helpful agent who asked if I had a relative named XXXX XXXX. I said I did not, but that I divorced a XXXX XXXX over XXXX years ago. He said there had been a mistake and that somehow the accounts became crossed. He could n't share more details with me because of privacy concerns, but said he took detailed notes and that I needed to call back and talk to another department that could deal with this unique situation. Meanwhile, I had also been in contact with my credit union, BECU, to alert them of fraudulent activity. They had me fill out an unauthorized ACH withdrawal form. They reversed the withdrawal and vowed to investigate. I wanted to know what happened and wanted assurance that it could not happen again. I did n't feel safe. They eventually reversed the reversal ; in other words the {$62.00} was still stolen from my account. I contacted BECU through the secure messaging center and requested an explanation. They said that the company ( XXXX ) had provided proof of the authorization and that I could request the information used in the decision. I requested that information through the secure message center to which they replied, " Good Afternoon XXXX, Thank you for using Secure Messaging today with your transaction concern. I can absolutely investigate for you. In review of the documents received from XXXX XXXX XXXX department, an ACH Proof of Authorization was also provided. They also sent this statement This payment was made by the customer via a web application in which they log into, using a unique user id and password. The individual for this student loan is listed as XXXX XXXX XXXX. At this point to research any further, I would need to reach out to our ACH department directly. Unfortunately this department leaves at XXXX and are no longer accessible today. I did however request the authorization documentation to be mailed to your address on file. I will reach out to this department tomorrow to inquire further. Thank you again for your time and have a good day. '' I find this absolutely alarming, untrue, and disingenuous. At this point my patience is running thin, I 'm still missing {$62.00} and dozens of hours of my time trying to resolve this issue that remains from XXXX XXXX 2017. It seems ridiculous to have to chase down an attorney to recover my stolen {$62.00}. The CFPB is my last stop before I take that route. Thank you for any assistance you may provide. Also, thank you for any process and policy help you provide to the organizations involved so that this can not and will not happen to me or any customer again. XXXX
08/04/2015 Yes
  • Credit card
  • Credit determination
  • WA
  • XXXXX
Web
Approximately two weeks ago, I applied for a {$500.00} credit card as a cosigner for my college student. Although my credit score is exceedingly high of XXXX and I already had a personal credit card with this credit union for over 20 + years and have demonstrated ability to pay off debts fully each month with my own assets, I was denied credit. Reason being that my debt to income was too high. I have been a stay at home parent for the last 18 years and was told I could only include my own personal income for the application. Of course, being a stay at home parent, I could only put down my own interest and dividend income according to the credit union. I was told that even though it was denied, the application would be sent to a loan officer for review and I would be notified within 4 days of the status. After not hearing from Boeing Employee Credit Union for quite some time I called them on XXXX XXXX and inquired about the credit application. I spoke with XXXX and she confirmed it was denied due to debt to income ratio being too high. I spoke with her regarding the CFPB that states I should be able to include my spouses income on the application because I have reasonable access to his working income and reside in XXXX the XXXX community property states - Washington state. I was told I could not include my spouses income without his name on the application if applying for credit in my own name. I then told her I would file a complaint with the Consumer Financial Protection Bureau which she was not familiar with. I later received a call from XXXX from the underwriting department and she said that they would process the credit card application due to the fact that I do show the ability to pay and that I had been a credit union member for a very long time. I again asked her about the CFPB which states that I should have the ability to include the spouse income on the application since this is a community property state and I have Access to the funds. Again I was told that I can not include spousal income without his name on credit application. My concern is that from my research on the CFPB website and the credit card act of 2009 that was later amended to protect consumers, specifically women or men that stay at home,1 ) compliance Is NOT being followed by Boeing Employees Credit Union ( BECU ) and discriminating against stay at home parents who have high credit rating and have demonstrated ability to pay. 2 ) BECU is NOT in compliance in regards to consideration of spousal income in the community property state of Washington. It is my understanding that for credit card applicants who are XXXX or older, the Bureau 's revision allows card issuers to also consider third-party income if the applicant has a reasonable expectation of access to it. The rule applies to all such applicants regardless of marital status, and the Bureau expects that it will ease access to credit particularly for stay-at-home spouses or partners who have access to a working spouse or partner 's income. I have not yet received the credit card which was verbally agreed upon to be processed on the phone. However, I do expect it should be in the mail soon. What I expect from this complaint is that BECU reviews their procedures and make the necessary changes to ensure that they are in compliance with the CFPB current credit ruling to protect consumers and not discriminate against applicants.
08/31/2021 Yes
  • Checking or savings account
  • Checking account
  • 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
  • WA
  • 98092
Web
On XXXX XXXX I happened to search internet for finding XXXX XXXX XXXX for connecting my TV for XXXX XXXX XXXX XXXX since XXXX kept sending me to utilize XXXX XXXX XXXX free. When I called the appeared XXXX XXXX on the internet they wanted me to help saying I am eligible foXXXX XXXX XXXXXXXX free which is legitimate as I am XXXX XXXX member. At the same time they told me upgrade my subscription for longer period suggesting 1 year, two year, 3 year etc instead of my current 2 months subscription. It was convincing, looked legitimate at the time ( I was under the impression it is XXXX XXXX ) and they even looked authentic as they had details probably they got it from me at the time impersonating XXXXXXXX XXXX as if making sure my email address to be exact I am the owner of account. I agreed for one year subscription ( XXXX USD ) since I am XXXXXXXX XXXX who is loyal for XXXX, then they told me my email address associated with my XXXX account and I am eligible for free video. So there was nothing to be suspicious at all as the XXXX number I called XXXX XXXX ( may be it is bogus XXXX number re-direct for this fraud ). So, they sent some instructions so me to connect XXXX XXXX to my email as I gave phone number and email that also got from me as if making sure. Then they got my debit card details for 1 year XXXX XXXX subscription, as they told me I am eligible for XXXXXXXX XXXX service plus XXXX XXXX free. on XX/XX/XXXX to my surprise, I saw XXXX has charged me XXXX $ for XXXX XXXX again then I called XXXX XXXX again then they said they did not charged XXXX XXXX saying they don't associate XXXX payment gateway. Then I realized this was fraud, cheat. I went to bank for dispute. Bank provisioned me my money back and after month they charged back from me as fraud merchant has sent details via XXXX saying I had done transaction on XX/XX/XXXX which is bogus claim that i did not involve at all, now this fraud hiding behind XXXX for more cheating and cover up as if they provided some kind of service to XXXX but which is not true as they acted XXXX XXXX that is a crime itself, ( I saw XXXX account details on my account deduction as XXXX XXXX meaning they are crafty to show me as if XXXX XXXX ) and trying to convince XXXX as if they are service provider of some kind which I did not intend to get at all, I only wanted XXXX XXXX free videos and XXXX XXXX charge no money for videos for their XXXX members. I lately find out including free help for getting connected for TV. I got above detail about fraud merchant via the letter that the BECU sent me for clarification still I did not respond with my side of respond which is strong. For me this future tech experts impersonated XXXX XXXX ( XXXX -as for XXXX XXXX ). They are social engineering, involve in cyber crimes, and malicious. I am a victim of this evil act by them. I am going to dispute XXXX, BECU as well. please look into this matter, I am sure they cheat lot many people in cyberspace. I have provided details as for XXXX merchant details. custom service number of XXXX for your information that I lately found out. If you could obtained Call logs You may see this is clear fraud.I did not buy anything from them. Thank you BECU Provisioned XXXX usd when complained, after merchant sent details via XXXX they charge back me saying I have done previous transaction which is no true and no evidence.
12/08/2018 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
  • VA
  • XXXXX
Web Older American
I would like to file a complaint against Boeing Employees Credit Union ( BECU ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WA XXXX, XXXX, XXXX, Fax XXXX for failing to adhere to their own self-professed policy of Zero liability in case of fraud and similar vague, non-existent claims. Specifically, I have been their client for quite some time and 2 times in 3 years I have become a victim of identity fraud on their end, where unknown perpetrator ( s ) have gained access to my supposedly confidential and private information, and have gone on to extensive shopping sprees on my dime. Last time it happened, was sometime in XXXX of this year, when I was travelling on a sensitive US government mission around the country to various military bases with no internet or phone connectivity. Somewhere down the line, transiting to and from various airports and being driven by military vehicles, and carrying sensitive equipment with me, I lost my BECU credit card and my phone. I must say, that I have never ever used that card for any purchases, only for balance transfers and it can be seen from transactional history with them. Upon return to my home base in Virginia, sometime around the end of XXXX, I logged in to their web page and discovered that unbeknownst to me someone has managed to rack up significant amounts of totally unauthorized purchases in the XXXX totaling about {$5000.00}. Upon discovery I immediately contacted their fraud department and was assured that supposedly their clients had Zero liability in case of fraud, etc., etc., - the usual propaganda. Sometime around the beginning or middle of XXXX I got a call from someone from BECU, claiming she worked for their financial crimes unit who asked me if I had contacted law enforcement. I have told her that I have had several other cases of exactly the same kind of fraud. Specifically, my XXXX XXXX XXXX cards have been stolen and compromised several times, where an unknown person tried to receive a new card and went to buy stuff in a little Texas town. I was able to pinpoint the locations of his attempted purchases on the map and even sent all the documentary artifacts to the FBI, and so far I have not heard back from them. So, when I asked that individual, after sharing with her my XXXX XXXX XXXX experience - do you expect me to contact the XXXX police and whom do I contact, she said - Yes, you should do that!? So far, I have not received any official letter from BECU about the status of my claim. While they were transitioning the accounts ( standard operating procedure when an account has been compromised ), they have increased my monthly payment and have even charged me late fee, despite the fact that : a ) I have been with them for a very, very long time, b ) never had any late payments, and c ) have always paid a lot more than the minimum monthly payment. Given the aforementioned, I request that your office carries a full-blown investigation in their business practices, especially when it comes to their Zero fraud liability and reversal of all extraneous fees and expenses that I have incurred as a result. I am also requesting to be reimbursed {$1000.00} for their sloppy security practices, wasted time and total disregard about my finances.
10/01/2022 No
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WA
  • 98226
Web Older American
In order to request a refund from a company ( XXXX ) I googled their customer service number. I was told there billing department would be calling me back, which they did. This number and website appeared to be legitimate. The caller instructed me in steps to set up the refund which was to happen in XXXX. There were a lot of steps that first involved XXXX and then XXXX gift cards. There were XXXX different XXXX transaction totaling {$380.00}. I questioned several times the legitimacy of what was being asked and was assured this was indeed XXXX and that I would be getting the refund. I never got the refund. However, I include here the website, phone number and name of the individual that until last check, were still online. ( website : match care services, XXXX, XXXX XXXX ). I immediately called BECU, my credit union where the XXXX transactions happened and then XXXX and then XXXX XXXX whose card was used with the XXXX gift cards. Of course this was my fault, a very senior ( stupid ) moment when I believed I was talking to a reputable company and person. Yes, I clicked the XXXX button on my screen. However, XXXX was extremely helpful and understood the talent of a scammer and immediately refunded the payments ( about {$300.00} ). XXXX XXXX could not return the payments and offered no help whatsoever, not even an offer to refer me for canceling this credit card. BECU also was very NICE but told me there was nothing to be done. This I was told on XXXX different calls to their fraud department. When I went into my local BECU branch I finally got some great help by a very astute " lead '' and later the branch XXXX. I was told to get a police report, which I did and a case number ( XXXX, WA XXXX ), restore my phone and change my bank accounts and credit cards. I was told I'd have 10 days to get the case number in for the ticket that would be submitted to XXXX. Instead, the very next day I got a form letter from BECU that " no error occurred ... the transactions were initiated by you. '' Of course they were! My complaint is that NO ONE at XXXX or BECU except the local branch were even interested in helping. Nothing to do. Really? Why could XXXX do something and show a model of customer service with no blame on the customer? This is egregious behavior on the part of XXXX and their cohorts the banks. XXXX doesn't even have a fraud department or a number to call. They could have called the individual who scammed me and talked to him. A website, an XXXX number! With ABSOLUTELY NO consequences to these scammers, not even the big banks who own XXXX caring or even watching or doing anything to protect the consumer, in fact blaming the consumer what incentive is there for the scammers out there to anything but get more and more brazen. While XXXX makes money, the ( stupid ) unsuspecting consumer gets exploited. I would like to ask for XXXX to retrieve my money. It went into an account somewhere. It may be difficult at this point, but if there were regulations put into place for a delay of availability perhaps that would give XXXX time to change their procedures around this open invitation for scammers to act with impunity.
02/16/2021 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98367
Web
Boeing Employee Credit Union Home Equity Loan Account Number XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX In XX/XX/XXXX I started a refinance transaction on the subject property through XXXX XXXX XXXX in XXXX, WA that include paying off the 1st mortgage and this BECU home equity loan. In XXXX I was informed by my XXXX loan officer that the refinance would not close until XXXX and I was advised to make my XX/XX/XXXX payment on the BECU home equity account. On XX/XX/XXXX I made a payment through the BECU bill pay service in the amount of {$220.00}. After making this payment, I received notice from BECU that the XXXX payment on the home equity loan has still due. I then contacted BECU customer service for assistance and provided documentation showing I had made the XXXX payment. BECU customer service informed me that I had submitted the home equity payment to their 3rd party mortgage loan servicer XXXX. BECU customer service did not offer me any assistance on getting the payment applied to the correct loan or information on how to get the money returned from XXXX. The {$220.00} was finally returned to me by direct deposit from BECU to my checking account on XX/XX/XXXX. There was no explanation provided by BECU on the delay in returning these funds, or why it never got posted to the correct account. The BECU home equity was paid in full at close of escrow on XX/XX/XXXX. I am now in the process of obtaining an additional mortgage loan with XXXX XXXX XXXX which is how I learned that BECU is reporting this home equity account as 30-days past due. The credit report showing the 30-day past due was obtained by XXXX XXXX XXXX on XX/XX/XXXX. An attempt was made through XXXX XXXX XXXX credit report company, XXXX XXXX, to get BECU to correct the 30-day past due on my credit report and a conference call was made on Friday, XX/XX/XXXX to BECU with XXXX XXXX, my XXXX loan officer and myself participating in the call. BECU is refusing to acknowledge the attempt I made in XXXX to make the payment on my home equity loan, is blaming this on me as a customer error and has refused to take any action to remove the 30-day past due on this account. My intent to keep the BECU home equity payments up-to-date until the loan was paid off is clear, and there has been no malice or neglect on my part on keeping up with my payment obligations. The 30-day past due reporting by BECU is creating an undue financial burden by lowering my credit scores to a level that will add significant cost to any mortgage transaction I attempt to make now, or in the future. Based on the inactions and poor customer service of BECU I was forced to make a formal dispute with each credit bureau in order to get the past due reporting status removed from this BECU home equity account and from my credit report. My goal now is to prevent BECU from reporting this account as past due in the future. Respectfully, XXXX XXXX XXXX
06/14/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • OR
  • 97035
Web
XX/XX/XXXX, XXXX ( approximately XXXX via telephone ) : I initiated a balance transfer to my XXXX XXXX card in the amount of {$5000.00}. I did this in response to the attached emailed ( sent XX/XX/XXXX, XXXX ). The balance transfer promotion was for 0 % interest for 12 months and 0 % balance transfer fee. The email stated, We will apply minimum payments at our discretion. XX/XX/XXXX, XXXX ( XXXX via telephone ) : I received an email from XXXX XXXX XXXX XXXX that XXXX had reported my account at 30 days delinquent. Subsequently, my credit score dropped precipitously. I contacted XXXX card services and explained the following : 1 ) I am a full member ( i.e. multiple loan and deposit accounts ) that has never missed a payment. 2 ) I am enrolled in electronic statements and never received any notice in my email or via the mobile app ( which, in addition to being heavily promoted as a user interface by XXXX, is my primary user interface ). 3 ) At no time during the XX/XX/XXXXXXXX call was I told there would be a discretionary minimum payment applied to my balance transfer. 4 ) I have made every loan payment to them on time. In response, the customer service representative ( who was quite understanding and professional ) explained to me : 1 ) A discretionary minimum balance was applied to my account. 2 ) I was sent statements via the US Postal Service. 3 ) Signing up for electronic statements applies to other XXXX accounts ; however, XXXX accounts require a separate enrollment ( this was never disclosed via my phone calls or use of the mobile platform ). 4 ) In sending those statements they legally had the right to charge me late payments and report me to the credit bureaus 5 ) I was told to call back after XXXX and speak with the Loss Management Department XX/XX/XXXX, XXXX ( XXXX via telephone ) : I spoke with Loss Management and was told : 1 ) I was speaking with the wrong department ; I need to email or write a letter to XXXX 2 ) They legal have to report any account past due over 30 days. My complaint is as follows : 1 ) Applying discretionary minimums ( while in the fine print ), is misleading and deceptive, especially when at the time of the balance transfer no mention of one was made. 2 ) When enrolling in electronic statements, but not being informed that XXXX products are excluded and require a separate enrollment is deceptive and misleading. Ultimately leading to a less than full communication of the members financial position with the credit union. 3 ) Being encouraged through advertisement to use the mobile platform, but not being given complete functionality is misleading. I check the mobile app constantly and was never made aware of missed XXXX payments. 4 ) XXXX is intentionally hiding behind fine print to provide the bare minimum service as provided by law.
05/16/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98002
Web
I have been a BECU Member since XX/XX/XXXX and I had an amazing relationship with them until XX/XX/XXXX. My grandmother passed away on XX/XX/XXXX in XXXX XXXX, AR. My immediate family and I had to leave immediately to be there to handle the funeral arrangements. We were not prepared at all and wish I had been for sure. Well I began writing checks to cover expenses and thinking that my direct deposit would cover the negative balance. Well things just gotten more out of control with bills, auto repairs, and loans from another financial institution. I started getting behind more due to the emergency trip to Arkansas and caused me to either be without completely for awhile or write another check thinking again it would be covered. It all hit once my account got negative {$1000.00} and so I was warned on the XX/XX/XXXX to stop writing checks or we will close the account for 6 months. I agreed to do so then asked the lady what should I do and how can I make payment plans to get the squared away because now is the time to fix this. I never had been in a hole like that and was tired of trying to write checks to cover what I owe to pay bills plus pay debt. She suggested to stop my direct deposit, open another checking account with the same institution then switch the direct deposit to transfer funds to the negative checking account in enough payments that would eventually cover the whole balance. My job had to issue me a paper check because of the canceling of the first checking account for the XX/XX/XXXX because it takes awhile for direct deposits to process to another account. Well I received my check and did what was suggested to me. I deposited my pay check into the 2nd checking account because BECU do not cash pay checks. Well once that was done, only {$200.00} was available to me and so I called it in to verify that it is my job pay check this time and to get it cleared so I can start paying off my negative balance plus have money for other bills that are due at this time. Well the lady I spoke to this time was not so kind and took matters into her own hands which she got my account locked and they kept my whole pay check saying there is nothing we can do. I was so appalled by the way everything happened so fast that it almost caused me my life. I just wanted to make things right and rebuild my account into great standing as suggested to but that is not how it happened. I have been calling and even went into a branch to see how this even come about? The lady had noted that I had 2 warnings when I only had one and the fact nobody wants to hear me out or work this out is shocking that an institution would even do someone like this.
03/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WA
  • 98125
Web
On Monday XX/XX/XXXX, I stopped by the XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX. There is a BECU ATM inside of this particular XXXX. I had {$300.00} cash in {$50.00} bills, so x6 {$50.00} bills. These bills have signs that state you can quickly and easily deposit a stack up to 20 bills at a time. I attempted to deposit the 6 bills into the ATM ( a fraction of the maximum amount ), and it promptly counted the {$300.00} incorrectly, ( I believe the ATM counted {$150.00} ) so I immediately panicked and cancelled the transaction and prompted it to just return what I had inserted. The ATM spit out x4 {$50.00} bills, NOT the x6 bills I had originally put into the ATM. The ATM ate {$100.00} of my cash and BECU is denying that the ATM did anything wrong. The ATM took all {$300.00} of my cash, gave me back {$200.00}, and nothing matched on the screen for the deposit! The ATM thought {$300.00} was {$150.00}, then gave me back {$200.00}? Make it make sense. The ATM is clearly having problems, and I want my money back. I called BECU as soon as I was able ( closed for the XXXX XXXX XXXX XX/XX/XXXX ), on XX/XX/XXXX and spoke to a rather unhelpful representative stating they would open an investigation and pending results, expect a credit to my account in 10-15 days. As a working student, {$100.00} is not a small amount of money, and it was money I definitely needed to pay bills. I heard from XXXX XXXX, Contact Center Supervisor at BECU, that agreed with me that the BECU representative I spoke with was not up to standard and they strive to do better. I accepted this apology and waited for my results. I called for an update on XX/XX/XXXX, it having been nearly 2 months of no update whatsoever, and the representative I spoke to claimed that BECU sent me a letter stating my request has been denied because they investigated and the ATM didn't have any discrepancies ( I have to date XX/XX/XXXX not received any letter from BECU regarding this deposit discrepancy and told the representative this. ) BECU claims to have performed an investigation stating that the ATM disbursed the cash and there's no record of it making a mistake. However, if they had actually done this, they could have counted the bills in the machine, watched the video footage of me putting the cash in and then obviously not getting the correct amount back. It should be obvious and clear I am holding 4 bills not 6 and am clearly distressed at the ATM eating my money on a holiday.
09/17/2020 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
  • Investigation took more than 30 days
  • WA
  • 99224
Web
Back in XXXX, I purchased my first home in XXXX XXXX, WA with a mortgage from Boeing Employee Credit Union ( BECU ). As part of the mortgage, I setup a savings account, and setup Autopay to have my monthly dues automatically withdrawn from the checking account. Please note that I opted NOT to pay for insurance and taxes from an escrow account when setting up the mortgage. Fast forward to XXXX, I moved to a new city but kept the house in XXXX XXXX. Immediately upon my move, I changed the mailing address tied to my BECU accounts from the website. I had not realized at the time that BECU Mortgage kept separate addresses on file even though all records are accessed through the BECU banking website, and because of this, the mailing address for the BECU mortgage account was never updated. Sometime in mid-XXXX, I switched to a different insurance company for the XXXX XXXX property and informed BECU of the change as instructed by the new insurance company. However, sometime in late XXXX, I received a phone call stating that I was behind on my mortgage payments. Several phone calls later, and upon closer review of my account, I found that BECU force-purchased insurance claiming that I had not submitted proof of insurance. Because of the insurance that was purchased and the escrow that was created for it, my monthly dues had gone up, and the amount I had setup to for Autopay was just short of the new dues. While this was happening, BECU apparently mailed me notices to my old mailing address on file but never once contacted me over the phone until way late in the game. BECU also just held on to my monthly payments without processing them nor issuing a refund. In the end, I immediately paid the overdue amount and submitted proof to BECU after which they issued a refund for the insurance and associated fees. BECU also processed all of the funds that they were holding from payments they hadn't processed, so currently I am actually 3 months ahead of schedule in my payment. However, despite all of the above, my credit report still reflects that I had two major delinquencies in my payment which not only impacted my score, but have caused lenders to deny my refinancing application which will end up in tens of thousands of dollars in lost opportunity cost. I had filed disputes with all three insurance companies to no avail, so I'm asking CFPB to please step in and get this corrected as I have not missed a single payment.
08/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CA
  • XXXXX
Web
XX/XX/XXXX to present. Creditor, Boeing Employees Credit Union, is reporting outdated information in remarks which are reflected on XXXX XXXX credit report. XXXX BOEING EMPLOYEES CU # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX High Balance : {$19000.00} Pay Status : Current Account Terms : Monthly for 60 months Date Closed : XX/XX/XXXX Remarks : CH XXXX REAFFIRMATION OF DEBT ; CLOSED XXXX XXXX - XXXX. Creditor, BECU is reporting in comments that the account was reaffirmed in a Chapter XXXX ( filed XX/XX/XXXX and discharged in XX/XX/XXXX ) and the account is closed. Credit reporting agency is showing these credit comments. XXXX XX/XX/XXXX Credit Reporting Agency and Creditor were requested via telephone call and dispute process to remove the outdated remarks being reported. A Chapter XXXX was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Creditor account was opened in XXXX and paid in full in XXXX. XXXX XX/XX/XXXX Creditor phone call regarding email. Creditor refuses to remove remarks because they claim it is accurate. The information is outdated and reflects a Ch XXXX after 10 years and discharged. _______________________________________________________________________ XX/XX/XXXX Credit reporting agency continues to show the remarks from the creditor who refuses to remove the remarks and the remarks are reflecting outdated information about a Chapter XXXX over 10 years old. _______________________________________________________________________ Per the Fair Credit Reporting Act, consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old or bankruptcies that are more than 10 years old. In this case, they are reporting the remarks from the creditor that shows CH XXXX bankruptcy after 10 years discharged. The creditor and the credit reporting agency will not remove the outdated bankruptcy Chapter XXXX remarks, although accurate, I did file a Chapter XXXX and reaffirmed the debt in the bankruptcy, but the information is outdated ( a violation of the FCRA and discriminatory towards me, as it is reporting a Chapter XXXX over 10 years after the filing and discharge in XXXX - in XXXX.
07/11/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Fraud or scam
  • WA
  • 981XX
Web
I was scammed by an individual claiming to be a landlord / property manager. We initiated our conversation on XX/XX/23. After much conversation, I filled out a rental application, which he approved. [ also XXXX ]. I told him I wanted to move around XXXX. He indicated that he would forward the keys to me, as he was living out of state, after I transferred the deposit to him. I went and looked at the place ( without access and from the outside ). There was someone living there, whom I did not bother. The place was as described. [ XXXX ] I told him that I needed to wait until my following payday, but that I would pay the deposit on the XXXX. He said that would be fine. [ XXXX ] * transferred {$900.00} directly to his routing/account number through XXXX, using my financial institution BECU [ XXXX ] He then forwarded a ( signed ) lease for me to sign and return, which I did. [ XXXX ] He later informed me that his lawyer was requiring him to receive the 1st months rent before he could give me the keys. [ the first glaring red flag ] [ XXXX ] We came to an agreement that I would transfer the rent on my next payday, and that he would overnight the keys so that I could move in on the following weekend. * transfered {$1000.00}, again directly to his routing/account number with XXXX @ BECU [ XXXX ] After hem-hawing about how he hadn't received the funds because the transaction was pending, the morning that I had arranged to move he informed me that he was going to need another months rent up front. [ XXXX ] This was when I finally woke up to the fact that I had been scammed. I contacted BECU to notify them of the scam ( and of course, attempt to get a reversal on the transfers ). They informed me that they couldn't do anything, since it was 'a scam and not fraud '. They took my story and filed a report with XXXX [ XXXX ] A personal note -- I have conducted several similar transactions in the past, as I have conducted a few interstate relocations, and have successfully made arrangements with people that I never met. I was also under pressure to move, and was panicking a bit. There were red flags ( such as the fact that there is a dominant property management company in the area I was moving to that operated under this individual 's name -- this guy should have been more experienced and wouldn't have been changing our agreement like he did ).
03/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 98155
Web
I was the victim of a rental scam and my bank, BECU is refusing to restore funds. - On XX/XX/XXXX I responded to a XXXX listing for a rental house at XXXX XXXX XXXX XXXX XXXX, WA XXXX - On XX/XX/XXXX I received a text from someone named XXXX XXXX XXXX XXXX XXXX pretending to be the landlord of the house at XXXX XXXX XXXX ; on XX/XX/XXXX, we discussed the house and XXXX had my wife XXXX XXXX and I fill out rental applications- On XX/XX/XXXX my wife XXXX and I went to view the house XXXX XXXX texted me a lockbox code that contained a key to the house. We were able to walk through the house and the backyard. I also spoke with XXXX on the phone ; he had us leave the key at the house so that workers could access the home for repairs - On XX/XX/XXXX I sent a {$100.00} application fee, a {$600.00} pet fee, and {$1000.00} for the first half of the security deposit via XXXX - On XXXX I sent the second half of the security deposit ( {$1000.00} ) and the first month of rent, {$3000.00} - The total amount I sent to the scammer was {$5700.00} - On XXXX XXXX requested I send additional money, when I pushed back he stopped responding to me altogether and I have not heard back from him- On XXXX, after doing additional research I found the XXXX XXXX XXXX rental listed under XXXX 's XXXX XXXX and confirmed that they had someone else listed as the homeowner and had already approved someone else to rent the house - On XXXX I followed up with my bank to dispute the transactions - On XXXX I filed a case with the XXXX, WA XXXX, Case Number : XXXX - On XXXX I filed a case with the FBI via IC3.gov ( no case number yet ) - On XXXX I was issued two letters from my bank, BECU, informing me that they concluded their investigation into this matter and that they are refusing to restore or refund any of the money I lost in the scam - On XXXX I received several emails from BECU informing me that my XXXX Account had been suspended because " There was a problem with the payment after it was withdrawn from your account. '' - On XX/XX/XXXX I called BECU and confirmed that they will not be refunding or restoring any funds at this time- The scammer also has mine and my wife 's social security numbers and had me do an ID verification via Persona Info regarding the scammer 's accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98168
Web Older American
On XX/XX/XXXX at approximately XXXX I went online to book two rooms with XXXX XXXX XXXX in XXXX XXXX Oregon for Arriving XX/XX/XXXX - XX/XX/XXXX, I received the confirmation numbers XXXX XXXXXXXX & XXXX. At approximately XXXX XXXX I called the XXXX XXXX XXXX to cancel one of the rooms and they didn't have the any reservation for the rooms but when I gave them the confirmation numbers they told me that they were booked though XXXX and gave me their phone number XXXX. When I called the number a man named XXXX said their cancellation policy was no cancellations no refunds! I explained to them that I didn't want to use XXXX and there was nothing that said it was XXXX on the website. The website said XXXX XXXX XXXX XXXX so I thought I was booking with the XXXX XXXX XXXX! XXXX said he would cancel the rooms and I they sent me an email that showed they cancelled both rooms. I also contacted my bank but they said since I used my debit card that I would have to contact the merchant. On XX/XX/XXXX I called the merchant and spoke with a lady named XXXX, I asked her if she was with XXXX and she said yes and then she said they were partners with XXXX! When I gave her my confirmation numbers she said I would get a refund within 3-5 days, then she said no their policy was no refund no cancellations and I was out of luck! She then started talking real fast and said she was tired of going over the same thing. I asked to talk to a manager and she said they will say the same thing and there was no manager there. I said you can't cancel the rooms and keep my money!!!! She said that was the penalty for cancelling the rooms because the hotel charges them that! and she kind of laugh and said I was out of luck! I called the XXXX XXXX XXXX and asked them if they did that and they said no! We are talking about {$1600.00}! I cancelled within 2 hours and I don't believe the they should be able to keep my money and I have nothing! This was deceiving website! I believe they are a fraudulent company! They have in very small print non refundable! The confirmation for the cancellation was done on XX/XX/XXXX! When I call the number they say do I want to know about my reservations but they sent me a email that says status cancelled! I do not want to deal with this company as I think they are a scam company!
09/13/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • WA
  • 993XX
Web
I signed up for a new checking/saving account with BECU. There was a promotion where I would earn {$100.00} if I met certain requirements. After being told I had met the requirements needed to earn the {$100.00} bonus by multiple BECU employees, I still have not received the bonus. The following chat conversations occurred over the next few months : XX/XX/XXXX Me : I recently signed up for an account to receive a {$100.00} bonus. Can you confirm I will receive this? BECU : After reviewing your account I do see that your account was part of the referral promotion we have going on currently and that you've completed the requirement of having 10 or more qualifying transactions go through the checking account within the first 30 days of opening your account. Due to this you will indeed earn the {$100.00} but the accounts will need to be open for 90 days before this will be paid out, so this a little after XX/XX/XXXX and this payout will be placed into your savings account. XX/XX/XXXX : Me : On XX/XX/XXXX the representative I spoke with told me Id already met the requirements and I should see the {$100.00} posted shortly after XX/XX/XXXX BECU : I can confirm that you have met the requirements, including the accounts being open for 90 days. From that 90 day period, which was XX/XX/XXXX, the bonus is deposited within the next 30 days ( 120 days total ). Me : So I should definitely see the bonus posted by XX/XX/XXXX? There is nothing else I need to do? BECU : What I can see on our end is that you are indeed on the list that the requirements have been met, so you should see that within 30 days since XX/XX/XXXX. Again, I apologize this information was not clearly provided in our previous replies. No, there is nothing else you need to do on your end. XX/XX/XXXX : BECU : I have reviewed your accounts and I am sorry that you did not satisfy the transaction requirement for our {$100.00} Refer A Friend promotion. Me : If you look in the chat history several other BECU employees stated I had met the requirements BECU : I am truly sorry and I will address this with my team members, but I have reviewed your checking account and you may reivew your account online as well and you will see that the transaction requirements were not satisfied
08/22/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98118
Web Servicemember
The Mortgage is owned by BECU- Boeing Employee Credit Union . The loan processor is XXXX. For the past two years, I've had a nightmare every annual when it comes to insurance and escrow. I purchase my own insurance. My insurance company send in the policy and I also uploaded to their web portal XXXX, but it seems to fall through deaf ears and I am being bullied. Escrow : Account 1 : XXXX Account 2 : XXXX ( condo ) The mortgage processor raise my monthly payment without proper notice or allowing me a chance to pay the difference. They citing tax payment goes up. I have been asking for an opportunity to pay, but they bullied me and told me legal no, XXXX. While on XXXX, I have to go on a website and able to pay the difference, to keep my payment the same. Insurance : The insurance department for this loan processor isn't reachable by phone. They told me, customer service, that I can't communicate directly with the insurance department, whereas, the insurance department sent mail to the wrong mailing address, resulting in they buying insurance for my condo, which I already have. I've been trying to submit and resubmit multiple times, but no confirmation of whether if they received. I'm beyond frustrated. It causes my monthly payment to go up. Appraisal to get rid of PMI : The processing company charges {$800.00} for an appraisal that is higher than what market price is, typically $ 300-700. The third party company they hired to hire a local contractor, canceled multiple time, and came out to do an a appraisal, and unable to send in the report. When asked for the appraiser license number and information, the company fail to produce and shared they aren't obligated. I have no way of verifying the stranger that I am opening my doors to let in. I even reached out to the BECU customer services about my grievance. As an XXXX XXXX XXXX veterans. My health has been definitely impacted by the level of stress from this company. I am have begged the bank for a mediator and they called once left a message, and I was unable to reach them. The bank simply shared they do not have any regulatory body over the processing company. Please help. It have taken me 3 months to be able to pull the focus and energy together to file this complaint.
06/09/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • FL
  • 337XX
Web
In XX/XX/XXXX, I refinanced a loan with BECU from another local credit union for a vehicle I bought used in XX/XX/XXXX and purchased full insurance coverage for my vehicle through a national insurance carrier from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX, I received a Final Notice from the bank to provide Proof of Insurance for my vehicle. BECU outsources this work to a company called " XXXX '' to verify Proof of Insurance or I would be charge an insurance premium of {$3800.00} if they do not receive proof of insurance by XX/XX/XXXX. On XX/XX/XXXX, I provided my proof of insurance through XXXXXXXX XXXX website ( XXXX ). Though the Final Notice was missing a critical piece of information to provide my insurance cards. I did not have a reference number in my notice. I was able to submit my insurance cards through XXXX 's website and received email confirmation on XX/XX/XXXX that my insurance cards for coverage between XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX In addition to submitting information to myinsuranceinfo.com I also called into the BECU 's insurance center to ensure they will receive my proof of insurance. The Customer Service Agent was able to confirm with my Agent that I had insurance coverage between XX/XX/XXXX - XX/XX/XXXX. However, in XX/XX/XXXX I had also moved from XXXX State to XXXX so the BECU Customer Service Agent did not want to wait on the phone for my Florida Insurance Agent to confirm that I had proof of insurance from XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX, I received notification that my loan was charged {$3800.00} for insurance coverage. I called into BECU 's Insurance Center and they told me they were not able to help as they outsourced verification of insurance to XXXX. I called into XXXX 's customer service line and their Customer Service Agent told me they just processed my proof of insurance on XX/XX/XXXX. 15 days after I submitted proof of insurance. I do not think it is a coincidence that my proof of insurance was processed on the same day as my deadline to provide proof of insurance and I do believe there is foul play either or both at XXXX to collect insurance premiums or BECU to collect additional interest from the increase loan value.
02/07/2023 No
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 980XX
Web Servicemember
The XXXX Washington BECU location the representative on their customer service line named XXXX made fun of my XXXX and declared I was at fault before an investigation even began. MY car was broken into on XX/XX/XXXX and my checks, debit card, bank pin information were stolen. I immediately called my bank and let them know. A few days later some checks that I did not write went through the account. I had no idea because without any notification, my online banking access had been disabled for days before I noticed it. I called to see what was going on and I was told that in order to move forward and for them to investigate the unauthorized charges, I needed to file a police report and bring it to the bank. Not true. That is a violation of Regulation XXXX and the bank had a responsibility to promptly investigate it in 10 days. I spoke to a very rude woman who ( before they even started the investigation ) proclaimed that I was a thief and that I stole this money. The 10 day clock started on XX/XX/XXXX. It is XX/XX/XXXX and I just called to recieve an update since I have still been locked out of my online banking access, have received no calls or mail and spoke to 2 people who claimed I would need to file a police report if I wanted them to dispute it any further. Several representatives made disparaging remarks about my memory and called me a " liar '' and " stupid '' even though they are aware that I suffer from a XXXX XXXXXXXX that is protected under the ADA. I was made fun of for my XXXX and humiliated as a punishment for expressing the rights of mine they were violating. I was not given due process in this situation and my rights were violated. In order for the them to bide their time they secretly locked me out of my account without any warning prohibiting me from reporting it to them in a timely fashion, they lied to me and said I had to obtain a police report before they were able to investigate unauthorized charges, the investigation was not conducted promptly and went well over 10 days and no provisional credit or access to my account was provided, before they even started the investigation their mind was made up and I was told directly that I was at fault.
06/04/2018 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Other transaction problem
  • WA
  • 98037
Web
I did an international wire transfer to XXXX XXXX XXXX XXXX XXXX, ( beneficiary ) of XXXX, via my credit union ( BECU-Boeing Employees CU ) on XX/XX/XXXX for an upcoming XXXX XXXX in XXXX and XXXX this XX/XX/XXXX. I was told by BECU that funds would be credited to the beneficiary no later than XX/XX/XXXX. Transferred amount of {$5600.00} was for covering the transportation and accommodation fees for the 10 day trek ( XXXX to XXXX and back for my wife and I ). The XXXX XXXX has yet to receive the money transferred. I called BECU around XX/XX/XXXX and was told that I could file a wire trace on or after XX/XX/XXXX, which I did. I did not hear from BECU on the status so I went to a local branch ( XXXX ) on XX/XX/XXXXto talk to a customer service specialist and requested for retrieval of funds since they did not seem to be able to trace where the wire transferred funds appear to be. The specialist told me that the retrieved funds should be transferred back into my account within 24-48 hours. 96 hours have passed and still no sign of the funds being retrieved back into my account. I called the customer service department and was told that BECU can do nothing since the beneficiarys bank ( XXXX XXXX XXXXXXXX XXXX ) had not responded to their request for retrieval of funds. The customer service specialist would not let me talk to their wire transfer department personnel even though I informed him that I wanted to know why they do not seem to know the where abouts of the funds. I told him I had spent quite a lot of money for travel to XXXX and if the XXXX XXXX doesnt have the XXXX fees delivered before the start of the XXXX, my wife and I will not be able to go on the XXXX. He just refused to connect me to the wire transfer department saying that they do not interact with customers. This was patently false statement as I had talked to them a couple of times while checking on the status of my wire transfer. I here by request CFPB to look into this lack of response and negligence on part of BECU in tracing and retrieval of my funds. I will greatly appreciate your help in an expeditious resolution of this matter. XXXX XXXX XXXX XXXX - cell XXXX
05/10/2018 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
  • WA
  • 985XX
Web
I have a credit card ( XXXX ) issued by Boeing Employees Credit Union ( BECU ). I am a senior citizen, aged XXXX, and was victim of computer fraud. Immediately after I paid for these bogus services on XXXX XX/XX/2018 with my BECU XXXX card, I spoke with my son who advised me this was fraud and to go straight to the credit union to freeze all accounts and cancel all charges and ask for new XXXX. I did this immediately. I paid for bogus services with my BECU XXXX card and asked BECU to deny and/or reverse the charges. BECU has declined to reverse the charges. There was no pending charge for my old XXXX card when I/they cancelled my old BECU XXXX card. BECU opened a new BECU XXXX card, and the {$2700.00} showed up as a charge on my new XXXX after a few days. BECU should have denied that {$2700.00} charge as they were informed it was fraudulent 3 days before this fraudulent charge showed up on my new BECU XXXX card. BECU has denied my claim as I paid for bogus services " willingly ''. I disagree, I thought I was purchasing a service. When I use my XXXX card, I trust that any fraudulent charges will limit my responsibility, especially when I advise the bank within hours of this fraud. I am asking for your assistance in getting the {$2700.00} charge reversed on my BECU XXXX. There is an active police investigation that has all the specific information about this fraud, please contact XXXX County Sheriffs Department, Case # XXXX. Their telephone : ( XXXX ) XXXX. I gave this Police Case information to BECU fraud investigators but they told me they will not contact the Sheriffs Dept to get details on this crime. I believe BECU is also taking advantage of a senior citizen with their " rapid-fire '' telephone questioning of the particulars of this fraud case instead of written communications. It is confusing for most seniors to talk with BECU investigators on the phone, much easier to understand written words and then I could think about them and reply. The investigators use terms I am unfamiliar with. Please advise if you can assist in reversing the charge on my BECU XXXX which was taken from me by fraudulent means.
08/16/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 98032
Web
My mother has a property that she wanted to transfer to me ( her daughter). The house is mortgaged through BECU. BECU referred us to contact "Assumption Department" for this process or loan transfer. The process started in XX/XX/XXXX and we were told it would take 60-90 days. We paid the required fee of XXXX. In XX/XX/XXXX, a year later after the process started we were told the loan is denied because I do not have sufficient income. The bank is in the position to accept and deny whomever they choose based on the "bogus" calculation of debt to income ratio that they have refused to disclose in writing. If there is nothing to hide, there is no reason why they wouldn't want to disclose this information to us. My hourly rate is over $XXXX/hr and I can work flexible hours. I am not self-employed and does not work for multiple companies; therefore studying my income should not have taken a year. Therefore, their rationale does not make any sense. Moreover, I have even received a name of a title company giving me the impression that they are more likely will accept my application. What is even more frustrating is that a process that should have taken 60-90 days turned into longer than six month period. I have mailed materials that they have requested to them at least three times; I have emailed their team over a dozen time and even went to BECU to get updated on this loan. If you call their department, your chance of speaking to someone is slim to none. This is supposed to be a bank that is FOR the community. I expect this kind of behavior from a private sector not from a "credit union" Lastly, I am not new to home loan applications. I have been through a home loan application process more than once with different banks. By far this has been the worst experience. I don't expect anything from this bank. I just want others to be aware of how they process information and to stay AWAY from BECU LOAN or "Assumption Department" Because (a) the 60-90 day is misleading (b) they will ask you for million pages of documents just to deny your application a year later. Keep your peace and do your business somewhere else.
07/02/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 981XX
Web Servicemember
What happened? In XX/XX/XXXX I settled 5 charge off accounts with Boeing Employees Credit Union. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from BECU that confirms this. A 6th account was settled in XX/XX/XXXX, letter attached. All 6 accounts appear on the included XXXX Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. BECU stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when BECU suddenly began reporting them. If BECU fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. Additionally, BECU continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the XXXX credit report, marked in red. BECU has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. I have contested these accounts with XXXX and they received 'verification ' from BECU that the accounts were reported accurately. As proven herein and by the attached, BECU 's XXXX reporting remains inaccurate. Having exhausted the dispute process with the XXXX credit bureau, I am seeking resolution via the CFPB as a next step.
04/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33611
Web Servicemember
XXXX and BECU have improperly re-aged an account on my credit report to XX/XX/XXXX, have continued to report it past 7 years since Date of First Delinquincy, and I have suffered damages in my attempt to get a mortgage after inaccurate reporting reduce my credit score. A closed and paid derogatory BECU account ending in XXXX was disputed by me in XX/XX/XXXX as too old since Date of First Delinquincy and BECU alleged the information was accurate and still reportable. In the attachment you can see that the payment history for XXXX is vacant and unreported even though BECU claims the date of first delinquency was XX/XX/XXXX. The actual date of first delinquency was in XXXX of XXXX. Instead of leaving the line as it was, XXXX and BECU alleged the line was validated and then re-aged the line as new delinquency at the end of the dispute ( see attached new reporting date ), which resulted in a XXXX point drop in my XXXX Score XXXX ( see attached score alert ). The decrease to my XXXX XXXX score ( which happened solely due to the re-aging of the BECU line after the dispute ) resulted in higher interest rates for a mortgage loan I applied for, another score drop for an inquiry, and a resulting higher loan payment for the new loan I applied for. I, therefore, suffered damages for which I am consulting legal advice. I am requesting that XXXX and BECU delete the line which is now 7 years past Date of First Delinquency and is being reported in violation of the FCRA limitation on derogatory reporting, or alternatively restore the prior version of the report by BECU which existed prior to XX/XX/XXXX, with complete and accurate payment history since the loan was established in XXXX. I have again disputed these XXXX matters directly with XXXX XXXX XXXX, confirmation number XXXX, and I expect XXXX and BECU to now take the time to review my dispute by looking at the payment history and reviewing the accuracy of this line on my report, instead of just copying and pasting the claim of valid reporting by BECU. I am hoping the CFPB process can resolve this issue.
03/13/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98198
Web
On the date of the XXXX, of XXXX, 2022, I noticed that I didn't have my phone. When I'm off work I really don't care about my phone because everyone is home on the weekends. Anyways when alerting the bank of me losing my card, and going into the bank I was told that my account was on FREEZE, due to suspicious activity, then the clerk goes onto to give me a new card but comes from the printer with all these papers of how all this BOGUS checks were deposited and transferred out of my account and that my account was to be looked at by security. Now me thinking they would alert me of this, they did but I didn't get them because my phone was Stolen. So my claim was DENIED I received a call from BECU 's security accusing me of leaving my phone unlocked with all my information on it. The reason I leave my phone unlocked is due to having Congestive XXXX XXXX, and last time my XXXX XXXX was near fatal and me being a single mother with XXXX children my kids didn't have the information to give the First Responders other than my sister 's phone and with her being a Nurse can't pick up right away, and it be a Fatal situation. So after me explaining to her ( BECU XXXX ) that she goes to smack her lips and asks, your phone was misplaced, are you sure you didn't write a report saying your car was broken into?, I advised her no my case number is XXXX from XXXX XXXX, nowhere in my report is stated a car being broken into. so she's lying. Then she goes on to say that the claim has been denied and they Zeroed out all accounts leaving me no money in my accounts, mind you I have XXXX children and take care of an additional XXXX for my sister while she works, glad I have credit cards because it seems BECU think I'm in on it. I REALLY hate that they view me as such, but with the scammers having my information I'm to suffer. My information is no longer on my phone as I have deleted all private information and put my information needed for First Responders in a safe area my son knows.
07/20/2020 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
  • CA
  • 92592
Web
My credit card account was in forbearance. The forbearance period ended XX/XX/2020. My payment was due XX/XX/XXXX. I reached out to the bank and requested another month of forbearance because I began working XX/XX/2020. They asked that I provide an expense worksheet and it was emailed to me on XX/XX/2020. I filled it out and had to request information on how to send it to them. I was told that it could only be faxed. I faxed it in on XX/XX/2020. I reached out on Friday, XX/XX/XXXX and they stayed that they would request that a representative from XXXX Assistance should reach out to me within the following week. I reached out again on Monday, XX/XX/XXXX and asked to know the status. I was told to wait an additional 2-3 days for someone to reach out to me. I was at work and did receive a phone call. The message provided a phone number and extension number. I called after work but it was unable to get a godmother anyone. I called again on Tuesday, XX/XX/XXXX and finally got a hold of a representative on Wednesday, XX/XX/XXXX. The representative expressed that since my payment for XX/XX/XXXX would not be able to be placed in forbearance, I was officially 30 days past due. I expressed that their lack of clarity and communication had left my account in a questionable state of being. I asked if there was any way that they could waive the late fees for the XX/XX/XXXX and XX/XX/XXXX payment and they Member Service rep stated that she would waive the late fees but there was nothing that she could do to change the credit reporting of 30 days late on my credit report. I have NEVER missed a payment in the last 16.5 years of having credit. I always reach out to my creditors if Im even one day late. I would not leave my accounts abandoned. Due to their flagging of my account as 30 days past due, it has created a domino effect on my credit by dropping it 63 points and has then led to other creditors closing my accounts that have always been in great standing.
06/05/2019 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98264
Web
On XX/XX/2019 my checking and savings account at Boeing Employees Credit Union was almost completely cleaned out by someone who was able to easily gain access to my account, despite my best efforts to use a complex and unique password for online banking. Three outgoing transfers, via the XXXX instant transfer service, totaling {$970.00}, took place all within the same minute, according to notification emails I received. I had until this time never enrolled in the XXXX service. Immediately upon seeing these emails, I placed a call to BECU and was on hold for a short amount of time before a customer service representative was able to speak with me, confirming the successful login earlier by the criminal. It was apparent BECU had not flagged any of these actions as potentially fraudulent, and only after I called did they freeze my account. I was then placed on hold for an extended period for an unclear reason, so I could speak to a technical support representative. I had to repeat the same conversation with this rep, who told me they had frozen my account and an investigation would be started. Both representatives did not appear to take the situation very seriously, and I was not given any information regarding investigation for my own reference. This event is particularly disturbing, considering that I have contacted BECU numerous times in the past to complain about how weak their password reset system was, and their lack of a robust two factor authentication system. Currently their online banking system should ( and seldom does ) ask for a XXXX based token when logging in from a device their system deems new, but this is easily bypassed by answering some personal information questions. I have implored BECU to strengthen their online banking security, only to be brushed off. Their gross negligence exposes their members to unnecessary risk of fraudulent transactions, despite proactive members best efforts to use a strong, unique password.
01/11/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98684
Web
BECU updated their online payment system for auto loans and as a result deactivated my auto payments. Additionally, the system update changed interest payments to principal payments, then proceeded to charge late fees for 6 consecutive months. Every month BECU was called, every month BECU manually reversed the late fee charges, but BECU never restored auto payment nor cleared the backend of the system to acknowledge payments were made. In XX/XX/2022, BECU acknowledged their error and said that they could offer to reallocate XXXX payments to fix. I explicitly said they were NOT allowed to proceed with the suggested solution, as their solution would result in an increase of what I owed by over {$300.00} and result in excessive incurred due for interest over the life of the loan. As every single payment had been made and the only reason there was a problem was due to a BECU cause error, an appropriate solution was not forcing me to bear the financial burden. BECU said they would escape the call to someone who could revert the error and call me back. After disconnecting from the call BECU illegally transferred money out of my savings account, changed principal payments to interest payments, and have been incorrectly charging me an increased monthly payment for over a year. I have called every single day and every day they say they will get back to me. They never do. Today I finally got someone to actually engage in a resolution but he said because the issue occurred prior to 60 days ago there was no possible path to resolution. This is a crime. BECU stole my money then intentionally did not engage for 60 days to try and work their way out of their crimes. I have lost over {$1000.00} of personal savings and have a debt over over {$1000.00} illegally added to my name. BECU needs to reimburse me the stolen money and readjust the reflected amount on the auto loan to accurately reflect the actual amount owed.
02/17/2016 Yes
  • Credit card
  • Credit card protection / Debt protection
  • WA
  • 98168
Web Older American
Subject : BECU VISA Credit Card Compromised Again My BECU ( Boeing Employees Credit Union ) VISA card has been compromised for the XXXX time in 5 years. This most recent compromised happened despite it being one of the new " Chip and Pin '' cards. Action needs to be taken to better protect us cardholders from credit card fraud and from the enormous, time-consuming hassles to replace the compromised card. Each time I 've been hit by fraud I must ( 1 ) get and activate the new VISA card, ( 2 ) switch all my direct auto pays from the old card to the new card, ( 3 ) deal with delinquent payments and late fees, ( 4 ) check all XXXX credit scoring sites, lose my online credit card activity associated with the fraud-impacted card repeatedly. I live in XXXX locations throughout the year ( XXXX in XXXX State and XXXX in XXXX, XXXX ). I occasionally ( frequently ) receive phone calls from VISA credit card security questioning recent charges. The XXXX recent fraudulent charges were made in XXXX, XXXX at a grocery store and a convenience store which should have immediately raised flags but did n't. I feel I have taken all the recommended steps to protect against credit card fraud, but I am again and again forced to jump through the hoops of compromised card replacement. I use a separate " online '' VISA card which surprisingly but gratefully has n't been compromised. I have the new " Chip and Pin '' security VISA cards. I scrutinize VISA charges. What more can I personally do? I am most disappointed that I must repeatedly run this very time-consuming gauntlet to switch cards and that there is no apparent consequences for the perpetrators of the fraud or the businesses where it occurs ( aside from a transaction charge-back ). Should n't credit card companies be required to facilitate the card switching resulting from credit card fraud?
12/07/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • WA
  • 98107
Web
I am writing to complain against BECU 's punitive and uncompromising charge of {$25.00} against a transfer I tried to make and which BECU rejected for insufficient funds. On XXXX, I tried to make an overseas deposit for {$1000.00} using the XXXX. I requested XXXX to cancel the transaction immediately on XXXX when I realized that I ordered the transaction from the wrong bank account, but it appears that XXXX did not honor my request. I called XXXX and they said they were looking into the issue. Today I called BECU.org and explained my problem and requested a reversal of the charges but they refused. My complaint is that although BECU rejected my transaction, the BECU Credit Union still fines me {$25.00} for the transaction that they dishonored. I would have understood if BECU honored the transaction by giving me an overdraft and then charging me a fee, but they did not. I have had an account with BECU for a while, and I have never had a failed transaction. BECU prides itself as a CREDIT UNION, and it proudly advertises itself as more caring and friendly to its " members '' not " customers '' as the big banks call us. I suppose the word " members '' to BECU means the same as the word " customers '' to the big banks ; it 's just a matter of semantics ; the word " members '' sounds friendly in need and not in deed, because the bottom line is the same : " we, your friendly credit union, will not give you, members, a first time warning, but PUNISH you with an unreasonable fee even if you make a transaction that does not go through, and even if we ( BECU ) do not incur any loss of funds on our side, and that is the rule and that is how we treat our MEMBERS. '' I find this policy punitive and disrespectful and BECUs business practice loathsome and as pleonexic as the big bank 's policies. Please help me recover my money.
11/10/2020 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 98036
Web
Earlier this year I decided to join some friends for a trip to a concert, it was a last minute decision spurred by optimism and wanting to be around people again as quarantine loosened and businesses reopening. I was joining a group who I honestly didnt know much of aside from passing mention by my connection to the group who is the close friend that had invited me to tag along. Unfortunately I extended my trust in my friend to the rest of the group and the girl I was told to send money to for my ticket and lodging contribution. I sent her {$180.00} in total in two payments through XXXX XXXX, the first payment was {$80.00} for my ticket on XX/XX/2020. The second payment was {$100.00} for my lodging/ hotel contribution on XX/XX/XXXX. However this event/ small concert for I believe sometime mid XXXX ended up being cancelled due to covid concerns or restrictions, I heard about it and so I reached out to the girl to naturally ask her to send me my {$180.00} back. Another unfortunate result of my over trust was that I never got a phone number as we were in contact through XXXX where she had now blocked me, I had an email address for her XXXX XXXX but she was unresponsive. I tried futilely to ask for XXXX XXXX to help, I then called my card account bank, BECU, but I ended up losing my dispute/ claim. However I am rather unsatisfied because I was not updated or informed of any reasoning or evidence for the case decision, for a month and a half I received no news after my submission aside from the lone update that my dispute was lost and I could simply do nothing. I understand the route I had taken to end up here isnt ideal but since this is my situation, I am at the least exhausting my options due to how this year turned out and a need to scrape by until the new year where an employment opportunity awaits for me.
07/19/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • WA
  • 98275
Web
I m submitted a complaint against BECU as this credit union is careless about their customer 's problems. One of these issues that happened to me over and over is my online payment toward my visa payment for another credit union ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, I tried to pay online ( {$50.00} ) towards XXXX XXXX XXXX XXXX visa card & the closest date showed was XX/XX/2022. A couple of days later I checked my account & it said delivered on XX/XX/2022, but nothing took from my checking account with BECU. I contacted both credit unions. BECU told me it was sent a check between XX/XX/XXXX to XXXX to XXXX XXXX XXXX XXXX and it is delivered on XX/XX/XXXX to them. But XXXX XXXX XXXX XXXX believe never received the payment. I talked with a lot of people from both credit unions but until this moment ( over a month ) none help me to solve my issue and it is not shown to my account. It seems both credit unions are not caring about messing with consumer credit scores & credit reports for showing these visa card payments are late and used against consumers by their third party ( XXXX ) which has a very bad reputation for that. Both these credit union doesn't have an email for the consumer to contact about their issues & telephone line is a long wait ( over 35 min ). Also, BECU made a lot of mistakes for my other deposit & payment in their own system & I have to call them for over two weeks for fixing that. Also, I tried to change my address in different ways but I was not able to change it even online & they asked me just to fill out a form and send it to them by mail or fax which is not very comfortable. This credit union just makes everything difficult for their customers. They knew me very well and I answered all my securities for my info but they still ignored changing my address by phone or online.
07/19/2022 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
  • WA
  • 98275
Web
On XX/XX/2022, I called my credit union BECU and asked for the dispute of {$100.00} and some cents against my credit card but then they transfer me to their XXXX XXXX XXXX XXXX XXXX XXXX I spoke with an XXXX lady in XXXX and she said maybe it takes 30 days for the result & we will let you know about the result. As it passed over XXXX and XXXX months and I didnt hear from them, I called again to BECU and they transfer me to XXXX again. After I told XXXX that I m following up with my dispute, the line was dropped and none return my call. Again I called directly to XXXX and they told me we knew you called on XX/XX/XXXX but it seems no follow-up with your dispute then your request is gone from our system and you need to do it again. I told her how that was possible and that I need talk with your supervisor as this is the second time your company ignoring my dispute request. She said our supervisor just can call you back between XXXX hours and they are not available. Again, none called me and none care about this dispute. I called last week to BECU and the customer service start giving me some excuses. I asked him to connect me to his supervisor. Then She told me quickly we are not responsible for our third parties and you need to follow up with them and we can not do anything for you. This is between you and them. I can not believe how great BECU and their uncared and irresponsible third parties are! My dispute was ignored again and none of these to XXXX did anything for that. A couple of years ago, I was disputed an amount over {$260.00} and BECU and XXXX didnt care about disputes and each one passed me to another one. It was taken over XXXX and half years with my follow up but none of them did any effect on my dispute request which was my right and I didnt use the service of that organization.
03/13/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98501
Web Older American
Boeing Employee 's Credit Union ( BECU ) mortgages are serviced by a third party. I have received 3 letters in the last two weeks that are criss-crossing. The mortgage servicer 's are not local and it appears to take about 2 weeks for a letter to reach it's destination. The local BECU office can not help me. On advice of BECU I closed a checking account and opened a new one because of fraud. My mortgage wasn't switched over and no one explained to me that BECU does not work with the mortgage servicer nor do they have the ability to see anything about my mortgage. I was not told that it was incumbent on me to do anything. I had one {$25.00} NSF fee returned already and I am demanding that the 2nd NSF fee be returned as well. I called on XX/XX/XXXX ( the same day I received the XX/XX/XXXX letter ) and made a mortgage payment by phone. No one said anything about a letter being mailed on XX/XX/XXXX and a second NSF charge. I usually pay 1/2 my mortgage every two weeks. Now I have made two full mortgage payments on XXXX and XX/XX/10. The XX/XX/XXXX letter I received today, XX/XX/XXXX, say my next payment is due XX/XX/XXXX. The mortgage servicer 's service is abysmal. Menu navigation is long and hold times are ridiculous ( 30-50 minutes ). Their hours are not printed on the letters and after going through a very long menu I was told they were closed with no comment about when they would be open. If I do not get the {$50.00} NSF fee returned I will be submitting another complaint. Fortunately I can afford 3 mortgage payments in one month but I'm sure it would be a struggle for most people. I had paperwork I needed to return to initiate the automatic withdrawals again. After 5 attempts at faxing and the number being busy ever time I sent the paperwork via next day mail ( another XXXX fee ).
07/23/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • WA
  • 993XX
Web
Victim has never been an account holder with BECU, but her mother, Suspect has an account with BECU. Victim was not listed as a joint account holder with Suspect for that account nor has she had access to that account. In XX/XX/2023, XXXX stated in her deposition that she forged Victim 's name to receive payments into her sole BECU account from XXXX XXXX for a joint tenancy in mineral interests. In XX/XX/2023, BECU produced copies of checks in response to a subpoena from Victims attorney. Based on the documents produced by BECU to date, BECU allowed Suspect to deposit approximately {$120000.00} with only the endorsement of Suspect, when checks were made out to " 'Suspect ' and XXXX ' XXXX. '' BECU allowed Suspect to deposit XXXX checks totaling {$32000.00} with the forged signature of Victim, including XXXX check that was originally voided by BECU for missing Victim 's endorsement. Suspect used a BECU ATM in XXXX, WA and a XXXX XXXX XXXX ATM in XXXX XXXX, WA to deposit these checks. Despite multiple requests, BECU has still not provided Victim with copies of XXXX checks totaling {$20000.00}. There were also XXXX XXXX payments made totaling {$80000.00} that BECU has not provided the direct deposit authorization form/process for. Victim should have received 50 % of the payments for the amount in dispute totaling {$120000.00}. For 2 months, Victim and her attorney have been attempting to contact BECU to resolve these issues with the unauthorized payments in the form of single endorsed checks, XXXX payments, and payments accepted with Victim 's forged signature. Victim sent an Affidavit of XXXX to BECU on XX/XX/2023. However, BECU claims the originator of the payments is at fault and has been unwilling to resolve or respond further to Victim 's requests.
08/21/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98074
Web
We have banked with Boeing Employees Credit Union ( BECU ) since XXXX ; the account in question was opened in XXXX. We have XXXX accounts ( checking and savings ), same ownership, with a balance of {$40000.00} at the time of the incident. There has never been an incident of non-sufficient funds. On XX/XX/XXXX, we received a BECU cashier 's check in the amount of {$15000.00} for the sale of a vehicle. We went into a location branch, and happened to catch an employee walking by ; we asked how to have the check deposited without a hold. He said we'd have to wait to see an employee, and it was quite a process to do it. We decided not to wait, and made the deposit from home. ( BECU does not have tellers, only platform employees. ) On XX/XX/XXXX, we received a letter regarding an " exception hold ''. We were advised that because our deposit exceeded {$5500.00}, they were holding {$9400.00} until XX/XX/XXXX. I called their XXXX # to question this, since it was their own cashier 's check, we had more than sufficient funds in our accounts, and we were established customers. I was told they put holds on all checks over {$5000.00}, no matter the source of funds nor the account relationship. On XX/XX/XXXX, I moved the funds to another institution, because of this lack of customer service. I had the same situation in XXXX, with a hold placed on a check when there was more than enough funds to cover it. I called BECU when I got the letter, and told them I had already written a check against those funds ( again, their letter was received several days later ). The representative told me they would pay the check ; they did not. It was returned for " uncollected funds ''. I believe BECU is harming customers by not making what are " good funds '' immediately available.
07/26/2023 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • WA
  • 98125
Web
At around XXXX pm on XX/XX/2023 I attempted to deposit roughly {$130.00} in cash at a XXXX XXXX XXXX XXXX XXXX XXXX ) ATM located inside the branch at XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX I attempted to deposit at least XXXX {$50.00} bill, XXXX {$20.00} bills, XXXX {$5.00} bill and XXXX {$1.00} bills, but I do not know the exact amount deposited. I inserted my XXXX XXXX XXXX XXXX XXXX debit card, selected that I would like a receipt, selected my savings account, and inserted my cash into the machine. The machine began processing my transaction but stopped and displayed a message that my transaction had been cancelled. At this point the ATM returned my debit card and return some, but not all, of my cash. The bills returned were XXXX {$20.00}, XXXX {$5.00}, and XXXX {$1.00} bills. Although I did not count the cash in full before attempting my deposit, I am certain that I am missing XXXX {$20.00} bills that I had withdrawn minutes earlier from a Visa cash card using the Bank XXXX XXXX ATM across XXXX XXXX. I also had a {$50.00} from my grandparents for my birthday on XX/XX/XXXX. The machine did not print a receipt. I entered the branch and spoke with a representative. They told me that since I had used a non-BECU debit card they would be unable to review my transaction history and I would have to call XXXX, which I did. XXXX notified me that they would complete an investigation and that I would hear from them with the results of that investigation. On XX/XX/2023, XXXX notified me that their investigation had found no evidence that I used the ATM in question. I again called XXXX, but they referred me again to my bank. I requested that they pull any security footage from the ATM to prove that I attempted a transaction there, but I have not heard back.
05/12/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • WA
  • 98273
Web
my bank the BECU decided to take my SSA treasury state check well it was n't a check it was wired funds external wired funds and I 'm mentally XXXX I go to compass health in Washington XXXX XXXX XXXX. I had a bank representative from this number and is on a recorded line because they record their phone conversations XXXX And they have a recorded phone call me talking to a representative from Boeing becu representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check funds from me. The representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check but the BECU bank in XXXX wa still proceeded to take the funds from my checking account from the ssa treasury and XXXX. so the bank BECU Boeing In XXXX wa took it from me illegally I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and do a claim to proceed to get my funds back that they took I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and doing the file when they should n't have considering someone from the banking of us bank from the number XXXX told me and guaranteed me on a recorded line phone conversation guaranteeing me and telling me that they the bank in XXXX Washington BECU Boeing that they can not touch that or take that funds for me out of my checking
06/26/2018 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • CT
  • 06340
Web Servicemember
In XX/XX/2017 Becu called me saying there was suspicious activity on my card and needed to get into my account to look at it so they asked for my log in info, full name and debit card number and this was about a week prior to the incident. My grandmother sends me money on a regular basis to help me with funds since Im alone most of the time while my husband is gone all the time for work because he is XXXX. I had no idea that the funds in my account were from some other source. Iwas in shock and in tears to see my account overdrawn in the thousands and that someone logged possibly stole my information. I also saw in my account that someone logged in on XXXX XXXX and that is when i panicked and called in because I dont know anyone of that name nor would i log in to my bank on someone elses phone. The woman on the phone made me uncomfortable and made me feel as if it was all my fault. She would not provide me with details on how my account was compromised or what had happened. Ive been so scared about this situation because i have little to no money to repay at this time but i dont want my credit to be horribly affected by this especially at my age. On XX/XX/XXXX I received a letter from BECU stating that my account has been sent to Loan Loss Recovery for collections and they will take whatever actions necessary. It also states that i will incur additional collection costs, including but not limited to, court costs and attorney fees. They also stated that they may report information to the credit bureaus. My grandmother will also be trying to help me on the situation and taking legal action since me and my husband are stationed 3,000 miles away but i was told to report this to Consumer Financial Protection Beauru first.
07/17/2015 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • WA
  • 98012
Web
On XXXX/XXXX/2015 we disputed an unauthorized set of transactions on a joint account held at BECU ( credit union becu.org ). This was done via my wife 's debit card so the dispute was done under her name but it 's a joint account in XXXX of our names. On XXXX/XXXX/2015 BECU notified us they were crediting the account and would notify us in writing if anything further was needed. When examining my XXXX 2015 statement ( approx XXXX/XXXX/2015 ) I discovered the credit ( XXXX $ ) had been reversed. I then went into BECU on XXXX/XXXX/2015 to inquire and was told they had mailed us a letter in XX/XX/XXXX we 'd not responded to so they reversed it and it was closed. They then claimed there was nothing further to be done. We never received a letter and BECU can provide no proof that we received this letter either. A new copy was provided to us on XXXX/XXXX/2015 showing it dated XXXX/XXXX/2015 and claiming we had until XXXX/XXXX/2015 to respond. This was unacceptable to me as we never received this letter they claim to have sent and once I did discover the reversed charge went back to inquire within a reasonable timeframe. Statements close on XX/XX/XXXX so on XXXX/XXXX/2015 when I went into the branch to question this it was still within XXXX days of my notice of this charge. BECU easily could have prevented this issue by ensuring this written communication which has a very short time frame ( less than XXXX weeks to respond ) was handled via a tracked mechanism. i.e. certified mail, XXXX, etc. There 's been no proof offered this letter ever was sent to us at all beyond their claim of it having been sent. We did file the required paperwork with them immediately disputing the charge ( i.e. within the required XXXX days ).
05/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • WA
  • 98499
Web Servicemember
Boeing employee credit union charged me fees for gap XXXX insurance that I didn't get and an extended warrenty XXXX that I didn't get refunded or the extra insurance they put on my lian that cost about XXXX in XXXX each and becu kept that refund as well as made me get a savings account and directly deposut y ssi check into and they froze my account for parent and only took it out the payment every once in awhile ruined my credit score they supplied me with a lian I couldn't afford or qualify for that XXXX loan on ssi XXXX XXXX a month they sold me a car that car company defrauded me by not disclosing it had been wrecked repaired resold ad a newer used car I went to a different dealer ship and that's how I found out they collected insurance on car first time and collected refund for their in insurance they put on contract my payment was increased from XXXX. To XXXX .month when I found out I valetaryly gave the car back but they purposely waited several months and charged me fees that shouldn't of accumulated and when they sold the car they made a profit on sake I believe they owe me XXXX from profit of sale and all itherrefunds and fake extended warrentys that still sendse a paper I mail to renew becu ruined my credit and now says I owe them after all their defrauding me and the sales if car and phoney charges XXXX owe after paying on car for two years direct my through ssi depositing every month wasn't late ever but becu would only pay out of savings when they wanted too so my credit score went from XXXX to under XXXX score totally this bank is iam not the only one becu us kmowen for these kinda shady practices XXXX is only a fraction of what becu owes me
09/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • XXXXX
Web
I had recently gottten my credit run and pulled by XXXX XXXXk and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX & BECU BANK had REPORTED to XXXX and to the credit companys. As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or BECU I have been with XXXX XXXX since XX/XX/2004 and my home mortgage is also through them and I continued to stay with them. I had contacted XXXX XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. I also went into BECU and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. I am XXXX XXXX XXXX Employee ( XXXX ) for XXXX as a XXXX XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also BECU to please remove me off their XXXX and also notify XXXX that this is an error on their end.
07/18/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • UT
  • 84106
Web
On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX in XXXX, Washington ( financed through a BECU loan ). I was under the impression that there was a 30-day grace period to switch my car insurance over from my old vehicle to my new vehicle. Despite this, I forgot to switch my insurance over. On XX/XX/XXXX, BECU sent me a letter stating that I need to provide proof of car insurance. On XX/XX/XXXX, I received the aforementioned letter in the mail. On XX/XX/XXXX, realizing my error, I contacted my car insurance company ( XXXX XXXX ) to switch over my car insurance from my old car to my new car. On XX/XX/XXXX, I received another letter from BECU stating that they will purchase lapse insurance on my behalf for {$700.00} for the period XX/XX/XXXX to XX/XX/XXXX and add this money to my loan balance. The letter states that I must provide evidence of coverage for this period or I would be charged {$700.00}. I asked my insurance company if it was possible to obtain coverage for this period, but they said it was not possible after the fact. On XX/XX/XXXX, I called BECU and spoke with XXXX and XXXX in the Loss Management Department at BECU about the {$700.00} charge. I was upset that I was charged so much money for 2 months of insurance. I asked that they provide me with a receipt showing why 2 months of insurance cost {$700.00}, when my insurance with XXXX XXXX cost around XXXX XXXX/month. XXXX told me that BECU would mail me the receipt. After waiting for many months, I never received this receipt. Please note that I have a secure locking mailbox, so it is not possible that the receipt was stolen.
12/18/2017 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • IL
  • 60622
Web
On XX/XX/2017 XXXX XXXX withdrew $XXXX from my acct at BECU after I used my debit card to sign up for a free one month trial that I immediately canceled. From my BECU statement: XXXX POS Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Card Ending In XXXX $XXXX This is the second time they have fraudulently charged me. And they have since, charged me the same amount every month in spite of: 1) I have asked BECU to block their access to my account. 2) XXXX acknowledges that I have never purchased anything or agreed to be charged for anything by them: "email ---- from: XXXX XXXX reply-to: XXXX XXXX to: XXXX date: Tue, XXXX XXXX, 2017 at XXXX XXXX subject: RE: [CASE:XXXX] Fraud mailed-by: XXXX signed-by: XXXX security: Standard encryption (XXXX) Learn more : Important according to our magic sauce. XXXX XXXX XX/XX/XXXX to me Hi XXXX, Thank you for contacting XXXX Customer Care. We understand that you have not purchased anything from our website and still your bank account is charged for $XXXX. We have checked your account XXXX and unable to find any charges under your account. Hence we request you to let us know if you have any other registered email address with us so that we can investigate it further and help you better. Please mention the case # XXXX in your future correspondence with regards to this query. Regards, XXXX XXXX Customer Relations XXXX XXXX XXXX XXXX This overseas company illegally withdraws and refuses to stop or acknowledge my attempts to contact them and my bank, BECU, aids them in this blatant theft. BECU refuses to stop this action in spite of numerous requests.
03/21/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • WA
  • 98118
Web
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Complaint against BECU for Unjust CPI Charge Dear Sir/Madam, I am writing to file a complaint against BECU regarding their unfair imposition of a CPI charge on my Auto Loan XXXX. I believe that their actions are not only unjust but also highlight a lack of due diligence and responsibility towards their customers. Firstly, BECU failed to update my address correctly, leading to me not being informed about the additional insurance requirement. As a result, a CPI charge was added to my account. BECU denies responsibility for this oversight and has added {$10000.00} to my auto loan principal balance without proper notification. In a recorded conversation with BECU representative, XXXX, she admitted that BECU did not verify the required documentation before issuing my auto loan. This negligence has resulted in a 40 % increase in my monthly auto loan payments, causing significant financial strain. BECU has demonstrated an unwillingness to work with customers and address these issues. Even after providing proof of insurance to BECU, they have refused to refund the unwarranted CPI charge. I believe their actions are not in accordance with fair banking practices and require immediate attention from the Consumer Financial Protection Bureau. I request your assistance in investigating this matter and ensuring that BECU takes appropriate steps to rectify the situation, remove the unjust CPI charge, and adjust my auto loan balance accordingly. I appreciate your prompt attention to this matter and look forward to a fair resolution.
12/31/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • WA
  • 98188
Web
I opened an account original prior to XXXX at Becu my account was not getting used and in XXXX I entered the banking branch located in XXXX XXXX XXXX to set my account back up and get a replacement debit card I had Been told the account had gone dormant at that time I was provided a slight different updated checking and savings account numbers For My only account a joint checking and savings. Since then I have opened XXXX additional checking account do to continued theft from the other checking account that I was never compensated for correctly by the bank. Recently it was brought to my attention that though I have visited different branch locations on multiple occasions and replaced my debit it card with out success I was not informed that I had additional accounts not connected with my online banking that have been unknown to me since there original account opening accounts that are also connected to my CDs from my grandparents that I was previously miss informed about and that I may be not receiving my trust updates from my trustee as required by law and possible I may have been defrauded using the missing accounts which are the joint accounts to the accounts I have been using myself. I feel the bank should have disclosed this information to me and by with holding it has possible aided in the defradment of myself and also my fiance whom deposits into the accounts as well we have suffered loses amounting to over XXXX in pay from My previous employer unemployment and also this has lead to miss understanding and ruined friendships attempting to determine what had been happening.
01/31/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • WA
  • 98272
Web
I went to the BECU atm to make a deposit- used my card, entered pin chose deposit ( I had 16x {$50.00} bills ) {$800.00} total. The machine accepted the cash and counted it, the screen asked is {$800.00} correct? I clicked the green check mark, the machine then made a processing noise for a minute then had the message unable to return your cash. It was still making a processing sound. I waited a few more minutes and the machine seemed stuck in this mode so I hit cancel. My card was returned with a receipt that said unable to return your cash. I then started a new transaction to check my balance and there was no record of the {$800.00} I just put in. Since this was a holiday ( Monday XX/XX/XXXX ) I called the bank Tuesday morning to report what happened. I was told that it would be looked into and it may take up to 10 days. Today XX/XX/XXXX I received a letter stating that they had no record of my deposit and the investigation is closed. Since I had my receipt with the time, I knew exactly that I put in 16 {$50.00} bills, I had the machine number and they log transactions with my card- how can they have no record? Also- your on camera at the atm. How can there be no reconciliation of the money put into the machine? I called BECU and told them I was upset by the Letter and I was not satisfied and got the representative to fill out another request to investigate, I faxed her my receipt from the atm from the transaction that says there was a error returning your cash. I was told it will take another 10 days. There was no offer to return the funds in the meantime.
12/13/2021 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • WA
  • 984XX
Web
My husband and I own 50 % of a home located at XXXX XXXX XXXX XXXX XXXX wa. The other 50 % is owned by XXXX XXXX a neighbor /business partner. My husband unbeknownst to me or XXXX applied for a home equity line of credit with XXXX XXXX XXXX. The house appraised for {>= $1,000,000} On XX/XX/2021 I was emailed disclosures and a notary showed up for me to sign documents with my husband. I had no idea what I was signing and signed a document with a spouse joinder clause. I was advised to mail the notice to rescind which I did certified on XXXX XXXX cancelling the loan. I also called BECU XXXX XXXX on XX/XX/XXXX to let her know I was cancelling. She would not talk to me because I wasnt the borrower. XXXX XXXX was not given any disclosures or notice to rescind paperwork. I found out on XXXX XXXX after talking to XXXX XXXX that the loan closed on XXXX. She told me that they needed to receive the notice to rescind by XXXX and that they didnt have it by then. She also asked why I didnt call? I told her I did call but XXXX XXXX wouldnt talk to me. I also said that I was only responsible for sending the notice per there form and the truth and lending act. She said they ran it by compliance and can not cancel the loan. We have exchanged several emails and BECU is not going to cancel the loan. Apparently they did call my husband when they got my notice and they feel hes the only one that cancel the loan since hes the only borrower on the loan. We are going through a recent separation/divorce so Im not involved with any of his communications.
07/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • OR
  • 972XX
Web
On XX/XX/2018, someone committed Fraud on my personal identity. They went into one or two Boeing Employee 's credit unions in or around XXXX XXXX, XXXX or XXXX XXXX near XXXX. I immediately notified all credit bureau 's that Fraud was being committed on my social security. Then I called Boeing Employees Credit Union to notify them of the fraud and after calling 4 times, no one will call me back and confirm the account has been closed. It is my understanding that it's a checking account and a line of credit. I've verified my identity with my local police department on XX/XX/2018, with the XXXX County Sherrif 's office in XXXX, XXXX where I live. I filed the report case # XXXX with Deputy XXXX XXXX XXXX / XXXX and he forwarded the report to XXXX XXXX. I've spoken with XXXX XXXX and the local XXXX XXXX police department and no one will confirm that this account has been closed nor will anyone from Boeing Employees Credit Union call me back. The police and the FBI won't do anything about it because Fraud was against my identity but the bank is the complainant and they are trying to require that I come to XXXX to the branch where the account was opened ( but they won't tell me where ) so I can verify my identity. I have been verified by my personal bank XXXX XXXX as well as the local police department. That should be enough to ensure that this account is closed. I have spent over 40 hours of my time cleaning up this mess and Boeing is a complete disgrace to modern society and consumer protection. XXXX XXXX XXXX XXXX XXXX
04/24/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Fees charged for closing account
  • WA
  • 983XX
Web
In XX/XX/XXXX I had a personal checking account with BECU - in addition to this, I was co signer on my mother 's account, as I was her caregiver and she was on SS XXXX. A fraudulent and highly deceptive company obtained a judgement against me without due process of law ( I was not served any documentation ) and they garnished my mother 's account, BECU knew the only deposits made to my mother 's account were SS XXXX checks by automatic deposit. Because of this, I closed my account and and my mother passed away in the same month. In XXXX I opened a business account with BECU. I attempted to apply for a secured credit card but the teller mistakenly opened a personal savings account. I let it sit there for a few months and decided to stick some money into it. In XXXX of XXXX I was finally ready for an automobile loan and applied for one with BECU. First I was approved, and then denied because they said I owed {$38.00} from XXXX of XXXX. I asked them how come I didn't know about this, and they said because they had written it off. They also said they were going to close down my savings account in 30 days. Per the WA Statute RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. It seems to me this would protect me from any further grievances for a mystery debt I had no idea I owed, also how could I close an account ending with a zero balance and now they are saying I have a debt with them?????? Is this discrimination?
11/22/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98026
Web
On XX/XX/XXXX, my wife and I discovered 3 fraudulent checks that were paid out of our joint money market account. My wife is the primary account owner and I am an authorized signer on this account. We notified BECU immediately and they froze all of our accounts without even asking if we needed to make a withdrawal first to have cash to survive on. BECU requested a series of steps including visiting a branch to sign notarized affidavit of forgery, change online banking password, and change account number of account the fraud happened on. We complied with all these steps and BECU replaced the lost funds and unfroze all accounts for my wife. However, as of today XX/XX/XXXX, which is 30 days later, they have still refused to unfreeze my personal accounts. They claim it might be an error but they havent fixed it. I have called multiple times and been placed on hold for over an hour each time. They never sent ANY documentation at all about freezing my accounts or why they are still frozen. I have been unable to pay bills or buy food for an entire month and they are completely uncooperative and unhelpful about it. It is not fair to unfreeze the primary account holders personal accounts and keep mine frozen for the SAME fraud case. It was already determined to be not our fault and money was replaced. Please help BECU understand they cant treat their customers this way! I feel this is unfair discrimination because of my gender since this is the only difference between who they unfroze accounts for and myself.
10/07/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • WA
  • 98031
Web
I had many charges on my account that I did not make and therefore in began a dispute with BECU in regards to the unauthorized transactions. They put my account on hold and forwarded my info to the financial crimes division. I later got a letter telling me that my case was closed and they were not responsible for reimbursing me. When I came in and asked why they told me that they had video footage of me & " my partner '' at the ATM. That's when I knew they were lying because I have never been to the ATM with my partner. So I asked to see the videos. They refused to show me anything and had security escort me off the property. When I tried to call financial crimes the caseworker was on vacation for XXXX weeks. When I'm finally did get ahold of her she said I had passed the deadline to appeal the decision. In my statements money was being transferred from my savings into my checking to cover overdraft fees. I remember specifically requesting not to approve overdraft protection. I did not sign any waivers approving any transfers from my savings. I also requested to be notified of any payments above {$100.00}. A lot of the charges were at the casino which I can prove i was no where near at any point during the months in question. There was also big calculation errors in which charges and remaining balance did not add up on my statements. There was over {$6000.00} in charges that I never authorized or notified of in a 4 month window.
03/31/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98501
Web Older American
I have already issued one complaint - XXXX. The company says they are working on it. I received yet another letter dated XX/XX/XXXX with yet a third NSF fee. I called on XX/XX/XXXX for the 3rd time. I've also messaged and Live Chat with them. And I have been to the local office twice. Yesterday when I called XXXX, I was told that I have no NSF fees applied to my loan and that everything is set up properly. My 1st payment out of my new checking account will happen this Friday. Today I got a letter dated XX/XX/XXXX that states since I have had 3 or more payments in the last 12 months that have not been honored by your bank ( note the letter head is the same as my Bank - BECU ), they now require my payments be sent via certified check or money order. There is a note that if I send a payment via the website, personal check, or one-time draft, the payment may be rejected and returned to me. I HAVE DONE NOTHING WRONG. I have always had the funds available for my payments. I have had this 15 year loan for 7 years and I resent being treated this way. I have never missed a mortgage payment but this mortgage servicer is trying their best to make that happen. Who knows what will happen on Friday. I called the BECU office and they have no way to help me. I called the BECU servicing mortgage line at XXXX for a 4th time today, was offered a call back and when I got one was put on hold for three minutes and then dropped.
08/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63090
Web
A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and Boeing Credit Union in order to get the issues cleared up. Boeing Credit Union has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Boeing Credit Union seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Boeing Credit Union ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
11/20/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • WA
  • 98074
Web
In XXXX of XXXX I obtained a HELOC from BECU. At that time I had bank accounts with BECU that drafted automatically payments for the HELOC. By XXXX of XXXX I was moving my day to day banking to XXXX XXXX XXXX. In XXXX of XXXX I submitted proper paperwork to BECU for ACH from my XXXX XXXX account and to convert the loan to an amortized fixed loan. I received email confirmation from BECU representative that they received the paperwork. Despite many efforts from XXXX to present, I've not been able to have them process my payments properly and it has created improper credit scoring. I filed a complaint on XX/XX/XXXX through Federal Reserve Consumer ( third party ) which forwarded the complaint to CFPB. In XXXX of XXXX I was contacted by XXXX XXXX from BECU. I supplied him with written information related to the matter and he acknowledged that there was an issue. However, over the following three months there was poor to non-existent communication to achieve resolution. Finally, despite three emails and one written letter, I have had no response from Mr. XXXX since XX/XX/XXXX. At his request, I resubmitted the same paperwork for processing ACH payments ; yet have not received a confirmation of processing. Furthermore, BECU continues to report late pays on my credit file despite the payments being late due to their non-processing of proper paperwork.
05/13/2022 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 981XX
Web
On XX/XX/2022, a transaction for {$1500.00} was externally transferred from my savings account at Boeing Employees Credit Union ( BECU, routing number XXXX ). This transaction is marked as " XXXX CREDIT CARD CSQRPAYMENT - PAYMENT '' I have no business with XXXX, nor do I hold any related card. ( My card holdings are with XXXX, XXXX, and XXXX XXXX XXXX, XXXX co-branded with XXXX XXXX XXXX. ) On the evening of XX/XX/XXXX, I was doing routine account maintenance and noticed the missing money. On the morning of XX/XX/XXXX, I contacted the fraud department regarding an erroneous transaction. The agent identified the account name as " XXXX XXXX '' ( I am not XXXX XXXX, nor do I know any such person ). I completed voice authorization for a " written statement of unauthorized debit '' and was told this would take 2-5 business days to complete. BECU created a new savings account and transferred the remainder of my savings funds, but has not restored the missing amount. Further, the new savings account is of a different account type ( " XXXX XXXX '' instead of " Member Advantage '' ), which is forfeiting premium interest rates, free services, ATM fee refunds, and other services of value. It is now Friday, XX/XX/XXXX, and I have received no further communication or update from BECU, and have not had my money returned.
07/16/2018 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Money was not available when promised
  • WA
  • 98087
Web
Since XX/XX/XXXX I made a wire transfer at BECU bank in Washington XXXX for the scholarship of my sister, but before that, I went to the Bank for information about the transfer, the teller gave me what I was not supposed to miss in my process such as : Receiver 's name, the bank name, and the right Bank account, I did all of them without error, and the transfer fee which was {$35.00}. The amount is {$1500.00}, unfortunately the receiver did not receive any after a month, then I went there they recall and I have to wait until 90 days, I came back 3 months after, they asked to call receiver and tell her to go see her own bank and try solve the problem, she went there they told her they did not receive any money from XXXX. How she can solve a problem if her bank did not receive nothing. I went back there many times but what I am seeing they try to collaborate with XXXX XXXX bank and not to give me bank the money, but it is not going to work, BECU bank will refund my money. I was wondering to know where is money or what is happening to it. First all they said they able to make it but they did not tell they are going to transfer through another bank which is XXXX XXXX. Finally, they told me they could not getting any answer from XXXX XXXX, they dropped the case. I need help to know if you can do something for me.
01/05/2022 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
  • WA
  • 98208
Web
On XX/XX/2021, I let my sister use my card to purchase a pre order for XXXX cards on a website called XXXX in the amount of {$510.00} dollars, that should have been shipped out by late XXXX. However, she did not receive any items. Nothing was updated, nothing was shipped, and the company did not reply back in any form of communication. The shipping label that appeared on the link is also fake. When the link is clicked, the label is not in the system appears. I've tried emailing, twitter site, and calling multiple times, but no response at all. Reading reviews, other customers were facing the same situation I was in with this company. I tried logging back into my account to print out the receipt, but the company has deleted there official website, XXXX account, and email so no one can get a hold of their account history order and could not contact them. This company has an actual store in XXXX, IA, but they do not pick up the phone. I tried to dispute this charge with my bank, but because its passed 60 days, the BECU bank said they could not open a case for me in any circumstance, even though I had brought documented evidence for them being a fraudulent business and I was being scammed. They did not present me with any alternatives to approach a fraudulent case and I was turned away with no options.
09/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WA
  • 98037
Web
On XXXX XX/XX/2022 I requested a {$2000.00} withdrawal from my BECU account via the ATM at the XXXX XXXX XXXX location in XXXX. I spoke with a customer service rep to raise my daily withdrawal limit, which she authorised. The ATM issued money, but after arriving at the XXXXXXXX XXXX on XXXX XXXX in XXXX to deposit the funds for rent, I discovered the ATM had only issued {$1900.00}. It never crossed my mind to count it at the time, because in XXXX years of banking, I've never experienced an incident with an ATM. I immediately called the BECU customer service line & filed a claim ( # XXXX ). The man I spoke with said that it would take multiple business days to investigate, but that I could check with the XXXX XXXX location to see if there was anything they could do. I spoke with a different customer service rep when I arrived, but he was unable to assist me, other than tell me to wait for the investigation results. I received a letter in the mail that the investigation was completed & my claim was denied because the ATM was in balance. I called to dispute the denial, but was denied again. I'm concerned that that {$100.00} was instead issued to the next customer who used the ATM. Regardless, BECU shorted me {$100.00}, and is refusing to take responsibility for their ATM 's mistake.
07/02/2022 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Account opened as a result of fraud
  • IL
  • 60622
Web Older American
BECU, XXXX, opened this account > XXXX XXXX XXXX XXXX in my name. I never authorized this. I did not request it. It is not my account. I have receive a negatived hit on my credit score that leads to this bogus account. I also have noticed the following charge cards ascibed to me that I do not posses and have never signed up for. I do not know where they came from. I demand that they be dissolved and my name removed from all credit listings.These companies FRAUDULENTLY opened accounts in my name. I want them charged and prosecuted as such : XXXXXXXX XXXX Not available XXXX... INDIVIDUAL As of : XX/XX/2022 Charge Card XXXX {$0.00} XXXX... INDIVIDUAL As of : XX/XX/2022 Credit Card XXXX XXXX {$0.00} XXXX... INDIVIDUAL As of : XX/XX/2022 Credit Card XXXX XXXX XXXX XXXX {$0.00} XXXX... INDIVIDUAL As of : XX/XX/2022 THIS IS ILLEGAL. I AM REQUESTING THAT CFPB FORWARD THIS COMPLAINT TO WHATEVER GOVERNMENT AGENCY IS IN CHARGE OF CRIMINAL PROSECUTION OF THIS KIND OF FRAUD. I do not own these instruments. Or is the prosecution of XXXX XXXX and other economical havoc mongering criminal untouchables too much to ask of my government agencies charged with protecting all it's citizens and not just the obscenely rich? I demand BECU to close that account and restore my credit.
11/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • WA
  • 98037
Web
My name is XXXX XXXX. I was born and raised here in XXXX XXXX. I recently tried to sign up for a new checking account with the Boeing Employees Credit Union ( BECU ), I also tried to sign up with XXXX XXXX XXXX but was denied. I was involved in a shooting and I am now getting Washington State Victims crime compensation. I received a check for {$1700.00} from the Washington State Treasury Department and I was unable to cash it at either bank because they were unable to verify my identity. I went to XXXX XXXX in XXXX and gave them my identification card, date of birth and social security number and XXXX XXXX was also unable to verify my identity. I ran a XXXX XXXX report on myself but they were unable to verify my identity. I went to the IDme.gov website and entered in all of my information correctly, I even had to do the video of my face for recognition and they were unable to verify my identity. I went to the Social Security Administration office here in XXXX XXXX and I spoke with a gentleman there that verified all of my information is correct but because of the issues I'm experiencing he told me that I should hire a private investigator or contact the police so I'm hoping you can help me. I don't understand what's going on. TIA, XXXX XXXX DOB XX/XX/
10/16/2017 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
  • WA
  • 98404
Web
There were suspicious hard inquiries about my credit that I did not authorize. It happened XXXX XXXX and XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX off right now at the same time and I wan na take this in legal action.
01/03/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Non-sufficient funds and associated fees
  • AZ
  • 85204
Web
I was struggling financially due to having to take some time off of work for personal medical issues. I had just under enough in my checking account to pay for my car insurance in XX/XX/XXXX. This did however cause my account to become overdrawn, resulting in a {$25.00} NSF fee, which I have no issues paying. However, since then, several other charges which I did not authorize were attempted on my account, some multiple times, resulting in approximately {$400.00} or so in NSF fees. I have not had a lot of time to manage this account due to my grandmother having been on XXXX, and eventually XXXX in XX/XX/XXXX, but have received dozens of letters regarding fees, and BECU threatening to charge interest on these fees, which I never agreed to. In addition, the constant negative balance on my account has made it difficult to pay my credit card and personal line of credit. At the time of writing this, I have no issues with bringing the balance to a positive one, but 90 % of the negative balance consists of NSF fees for charges I did not authorize, and I will not pay them. I spoke with a representative from BECU who agreed to have her manager call me back, however, it has been several days, and I have not received a response.
11/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98520
Web
I have tired getting this resolved with a 623 dispute letter that BECU says the date of the first date of first delinquency is XXXX. On page 1 of the PDF attached from BECU. XXXX XXXX flat out says " No payments were received after XX/XX/XXXX. '' XX/XX/XXXX payment was past due., On XX/XX/XXXX and XX/XX/XXXX collections letters were sent to XXXX XXXX XXXX On XX/XX/XXXX the visa was 75 days past due Page 5 of the PDF shows a billing statement with a late charge also reflects the date of the first date of first delinquency being XXXX. The Law says The date of first delinquency also known as the XXXX is the date an account became 30 days late which led to a charge-off by the creditor. The FCRAs Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged off or placed for collection. With that being said and the letter sent to me from BECU saying the XXXX is in fact XXXX. I am requesting this tradeline removed. BECU has reported inaccurate information knowing to the Credit Beru Which is violation of the FCRA. IF BECU refuses to delete this trade line please forward me your legal componence address because I will be filling suit for violation FCRA.
12/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98058
Web Older American
XX/XX/XXXX XXXX my experience as the victim of a romance scam. I didn't learn this until XX/XX/XXXX when it was proven to me by a friend, not BECU. This bank has made it difficult for me to withdraw money beginning in the summer of XXXX which eventually led to expulsion from the credit union after having been a member for 40 years. The credit union didn't approve of how I was spending my money and decided to eliminate me as a member after a few phone conversations with their Criminal Investigation Unit. In the final phone call to notify me of my expulsion the final words were, " good luck in finding another bank that will take you on. '' They have labeled me as a participate in 'fraud ' of which I have not done. There is no proof and the bank has notified the banking institution watchdogs of this issue making it difficult for me to maintain a banking account with other banks. I started using the XXXX XXXX XXXX account and was again sent a letter notifying me that they had made a 'business decision ' to remove me as a customer. The claim that I am a willing participant in 'fraud ' is totally ridiculous and scandalous. I want this removed from any banking information that is associated with my name.
12/08/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unauthorized transactions or other transaction problem
  • WA
  • 98023
Web Servicemember
Ive submitted a complaint to the both Becu and XXXX and XXXX XXXX already. I have gotten no answer as to where my money has gone, I sent my fianc money 2 weeks ago and after he received it to pay our rent, the bank said it was fraudulent. I cleared this fraudulent problem on my end of my bank side is BECU. His bank XXXX XXXX says they sent the money back and refunded it to XXXX. BECU says they cant do anything else except wait for XXXX. Its been a week now and no one has gotten anything done to give us our money back. XXXX was recommended for me to use by a BECU agent to make a transfer. Now my money is lost, my husband has a negative account because he needed the money I sent him to pay rent and when he tried to pay it with the XXXX dollars I sent they took it out his account so the check bounced. someone in the bank canceled my transaction without giving the money to me or him. I have bills to pay tomorrow, and no food in my fridge. His account is overdrawn XXXX because the apartment took the rent out from his bank and not with his money. Now we have overdraft fees and late rental fees thanks to this hold up between banks I have no food or money to pay my bills this week either.
04/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98168
Web
On XX/XX/23 I went to bank ATM Terminal # XXXX For BECU At XXXX. Address Is XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I deposited {$800.00} into my checking account. The ATM spit back out {$200.00} but kept {$400.00}, and the {$400.00} was not deposited into my account. The ATM went into a service mode where it had options like " XXXX last XXXX transactions '' " XXXX '' " XXXX XXXX '', but no button was present for deposit anymore. I took my card out, and put it back in, and it stayed in the service mode. I checked my account balance but the {$400.00} was not deposited into it. I called BECU immediately and reported it to someone. He then told me to wait until the money at the ATM was counted for the night, and it should deposit into my account after he puts in the request saying I'm missing {$400.00}. I waited until the next day and called again and spoke to a woman at BECU that told me she can't see if the ATM was over {$400.00} for the night. And that my request was submitted the night before, and I should keep waiting. She also let me know that I should wait until Friday for the funds to be deposited, but still have not seen anything, and feel like I got robbed by my own bank.
08/11/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WA
  • XXXXX
Web
XX/XX/2023, I was in my local branch, with an invoice for a vehicle I want to purchase and my Self-Executing attachment that entails the lawful instructions as to its facilitation ( attaching to the banks application for Federal Reserve Notes ). Not a single merited Facilitator can be found within the institution which really hinders my banking activities and rights. According to Senate Document No. 43. 73rd Congress, the Federal Emergency Relief Act, Federal Reserve Act, Modern Money Mechanics, UNCITRAL Convention, UCC, GAAP, TITLE ( s ) 12, 15, 16, 18, & TITLE 31, as well as the Law of Signatures, I can create a Promissory Note that's monetized by my autograph, that's accepted at any Federal Reserve Bank, its member banks and agents. I need straight forward assistance from the " Facility '' herein BECU to do there job and facilitate my loan to the bank in order to pay for my " Necessity ( s ) '' and to not increase the debt of our sinking Nation. I am employing myself by that which I know, never to impede upon any others rights, in Good Faith with Trust that every demand is supplied. As a bank how do I operate under TITLE 12 in application for Federal Reserve Notes?
05/22/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • XXXXX
Web
Boeing employees credit union recently reported my current home loan as derogatory, and closed due to chapter XXXX bankruptcy and now my excellent credit has dropped XXXX points at one credit bureau. I was legally divorced in XXXX XXXX . My ex wife filed bankruptcy a month later in XXXX XXXX and included our home loan in the bankruptcy. The home was awarded to me. She signed a quit claim deed in XXXX XXXX . I was in the process of assuming the loan with BECU to get my ex wife 's name off the home loan. In approximately XX/XX/XXXX / XXXX XXXX XXXX I assumed the loan fully so that the loan is in my name only. None of the payments for this house have ever been late. No portion of this loan has ever been forgiven or written off. I have never filed bankruptcy or co filed bankruptcy I do n't see how it is even legal for them to report that my home loan, in my name only, has bee n discharged due to bankruptcy when it never was discharged. I have always been current with my l oan The credit union needs to remove the wrong derogatory information from my report and restore the loan as it was to show it current, all payments on time and no bankruptcy.
01/30/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • WA
  • 98087
Web
XXXX XXXX, I opened a BECU checking/saving account for my XXXX-yr-old daughter, and at the same time co-apply for her a XXXX credit card. XX/XX/XXXX, I noticed the credit balance reached the limit ( {$500.00} ). I called my daughter and discovered some fraud charges. So I call BECU XXXX department and got credit back within 5 days. BECU cancelled the old cards and sent us XXXX new cards a week later. As soon as those cards activated around XX/XX/XXXX, more fraud charges were posted on the account. My daughter called BECU XXXX to report. They asked her to pay her portion ( {$74.00} ) and put the rest on a claim for investigation. three weeks later, there is no answer. We came to the bank, XXXX/XXXX/XXXX, and was asked to fill-out a fraud claim form. Two weeks later, I called for status, BECU agent asked me to file on-line with her on XXXX/XXXX/XXXX. Two weeks later, I called again XXXX/XXXX/XXXX. And here is the answer from BECU : " We are still working on your claim. It usually takes about 10 work days. Your claim took too long because during the holiday we have too many fraud cases. BECU does n't know when your claim is going to end. ''
10/20/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • CA
  • 90046
Web
I opened an account in 2014 with BECU that came with a free credit line for working with XXXX. Earlier this year I hit a snag with my paycheck at my job being switched and used the card as an emergency resource to eat. I thought I had the balance covered from having money taken out of my account, but when my card was going through I was told that when my balance was low, it was actually pulling the rest of the cost from the credit line. When I discovered this was happening, I called BECU and requested that this feature be turned off. By this point my credit line was closed because my checking account was {$0.00} and was unable to make the automatic payment to the credit line each month. This was about XX/XX/XXXX. Fast forward to this summer and I received a call from a company working for BECU saying that my card was compromised and was billed for a charge in XXXX. At this point I 'm trying to pay off the credit line and this pops up and drains my account. I found out that my checking account was n't able to cover the balance and that a portion of the fraudulent purchase was pulled from the saving account this time.
05/17/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Settlement process and costs
  • PA
  • 190XX
Web
Everything was fine up till closing, our lender BECU reported everything was " on schedule '' or even " ahead of schedule '', but missed the final disclosure deadline of 3 days before closing. At XXXX the day before closing, BECU contacted us requested a 15 day slide as they could not meet the agreed to date. After rescheduling utilities where possible, canceling family travel plans, and spending the intended closing day calling around BECU, final disclosure was agreed to be completed 8 days delinquent instead of XXXX and our appraisal fee would be reimbursed. The new final disclosure date was met, however the final disclosure documentation featured a significant increase in closing costs ( 33 % increase ) and cash at closing ( 39 % ) due to an error on BECU 's part ( for initial estimates they used 2 months for school taxes escrow, on final disclosure they used XXXX months, a {$5000.00} difference ). Since we are only 3 days from our new closing date, there is implicit pressure to accept these XXXX and so far all phone calls to management/emails to our officer have not been returned or acknowledged our concern.
10/10/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • WA
  • 98056
Web
Several years ago I signed up for a monthly automatic withdrawal contribution for XXXX. Apparently the fund raising arm of XXXX is the XXXX XXXX XXXX. I lost my job in XX/XX/2018 and have been trying to cancel this auto contribution ever since. XXXX says they have nothing to do with the XXXX group. I have called, emailed, left messages for 6 months with the XXXX XXXX requesting they stop this auto withdrawal but to no avail. I have contacted my bank and asked them to deny this auto withdrawal and was told that since I used my debit card there is nothing they can do except cancel my debit card and issue me a new one. That's not going to happen as I have many auto withdrawals associate with this debit card. I am angry & upset. I believe that XXXX is a reputable organization and want to continue to support them by my membership and perhaps again by my monthly contribution once my fiancees get turned around. However this XXXXXXXX XXXX XXXX needs to be investigated. They are collecting money from senior citizens that may no longer be able to afford the contribution. It is a disgrace. Please investigate them.
07/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Confusing or missing disclosures
  • WA
  • 98229
Web Older American
On XXXX I opened an account with the Boeing Employees Credit Union. On XXXX Received a call and spoke with XXXX In XXXX, WA. who indicated to me that the transaction/my account was under investigation with no more explanations. The check from MA cleared on XXXX. ( The Credit Union has the money ) I called today, XXXX and spoke with XXXX at the BECU, who told me that the account is under investigation. He finally gave me some of the excuses - " FLAGS '' on why the account is under investigation ; among the " FLAGS '', XXXX enumerated : - Because I opened an account - New Account XXXX? XXXX -Check unknown to them. ( Again, the check cleared on XXXX ; the bank has the money. - The check did not have a line printed under the name of the recipient ( me ). - There are " other flags '' to which he can not divulge. Finally, he said that the investigation can take up to 90 days. In other words I don't have access to MY money until they decide.They must be kidding right? I will be filing complaints with the FTC, the OCC, and others I have emergencies and don't have extra money. Hope you can help. Regards, XXXX
02/08/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 98272
Web
On XX/XX/2023, I discussed with our loan officer at XXXX ( XXXX XXXX XXXX XXXX XXXX ) that " locking the rate '' wasn't actually locking a specific rate but rather a " rate sheet '' that is a combination of rates that you can get with points. She confirmed that in an email that same day. After the email, I called her to tell her that I'd like to lock the rate sheet but that later that evening I'd be discussing which combination of rate-points we wanted to go with from the rate sheet. I confirmed that to lock the point I needed to give her my payment info to order an appraisal, which I did on the call. Later that night, as committed, my wife and I decided which rate combo we wanted and I emailed the loan officer. The rate combination was XXXX % by paying {$10000.00} in points. On XX/XX/2023, the loan officer told us she locked the rate but that the points were now {$13000.00} because she did not lock the loan yesterday. I tried to have her honor the commitment from XX/XX/XXXX but she asserted that I never told her to lock the rate. She said it was in a recorded call but refused to share that call.
09/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • RI
  • 02861
Web Servicemember
I applied and was approved for membership with BECU in XXXX. This was my tenth time applying ( my partner has an Acct and we wanted to make them joint ) - and after sending in all the required documents and funding the account from my XXXX XXXX checking my checking and savings accounts were opened. I decided to apply for a credit card and was approved. However when the credit card came I could not activate it. After NUMEROUS calls to BECU I was informed that I didnt pass their fraud screening test and that all my accounts were closed and to throw away the credit and debit cards. ( Mind you they hard pulled my credit report and XXXX AND my debit card still works - but supposedly Im not a member ). The problem now is that they are reporting this credit card to all the credit bureaus as an open active account when in fact they claim this was never opened. I would like them to at least remove this account from my reports as it is fraud in their eyes anyways. Of course in their responses they never mention the credit card because they know it is still reporting but how could that be?!?
10/02/2022 No
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • WA
  • 98052
Web
I have a savings and checking account at BECU which I have been trying to close since last year. Some time last year, i tried to deposit a 2 party check and they XXXX my access to my account which seems illegal. When I phoned in, they refused to remove the block. Unlike every other bank who would hold and reverse funds, they chose to remove all access i had to my account. Since then, i have tried to close my account in many ways, online, on the phone etc. On a phone call, i was told that BECU does not permit closing accounts on the phone and i must visit a branch ( which i cant ) or i must mail in the form. I downloaded the closing form and the fax number BECU has for account closing requests is also shut down. Then I mailed in a letter last month and I got a missed call from BECU but still no check and no confirmation of account closure. I would like BECU to close my account and send me my funds. I also dont know if they have tacked on any illegal fees since I literally have no access to my account or visiblility to it for a year now.
10/09/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 98391
Web
I applied for a home equity loan with my credit union XXXX Employees credit union and got a letter of approval for {$33000.00}. I waited 33 days for the loan to be assigned to a processor and today they called me stating my income ratio is not enough to cover the loan and they counter offer me only {$10000.00}. I talked to the supervisor and he said that XXXX car loans under my name are my responsibility. I explained that I'm not doing the payments for the loans and I'm just the cosigner and if they need proof of that I can give them whatever they need. I also told him that why are only taking XXXX of my other income in consideration and not the full amount? And he was saying that they look for income on the next 3 years. It was a whole bunch of running around and he couldn't explained to me where in their written policy says that?! I thing I was discriminated base on my gender and marital status. Please do something about this cause if it was for married couples the approval is faster. Also my credit score is not bad at all.
05/08/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • WA
  • 98499
Web
I have a dispute with a local towing company. Towing company charged higher amount than they promised and also higher than they are allowed to as per law. Also as per their service agreement they have to take care of all my stuff but they did not bring my front license plate. So I opened a dispute with BECU under their visa dispute program but to my surprise I found that they have contracted it out to third party company and this dispute department did not investigate my dispute properly and their decision was " '' towing services were completed we do not have dispute rights against the merchant '' '' we are not disputing whether towing services are provided or not we are disputing the amount they charged and their service. ( i.e. they lost my license plate ). Also I had to call police because towing company was harassing me at my home. Also I feel betrayed that BECU convinced us that we are protected and they will take care of us in such event but actually they contract it out to third party company who really does not care.
03/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • XXXXX
Web
BECU filed a 60 day late payment report, when they received all payments within a 30 day window. This began with my XX/XX/2020 payment. They processed this payment on XX/XX/XXXX and charged a late fee. I included the charged late fee with my normal on time payment which cleared on XX/XX/XXXX. Things became stranger when I went in person to pay my XXXX payment as I have had trouble with checks getting processed in time due to an apparent delay in the mail. The teller explained the system shows a late payment of 60+ days yet they saw all previous payments were made and I only owed what I was there to pay. They notated my account and said it should be fixed on XX/XX/XXXX, on XX/XX/XXXX I received a credit score update with a 60 missed payment report and a drop in my credit score of 100+ points. This has now affected my lively hood, and taken several attempts to escalate the reporting within BECU. I feel BECU should be fined for falsely reporting misinformation to the credit bureaus and affecting someone's every day life.
07/24/2019 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
  • WA
  • 98034
Web
OnXX/XX/2019 XXXX notified us that they were reversing the following charge on our BECU Visa credit card : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX WA {$460.00} ; WE HAVE NOT RECEIVED THE ASSOCIATED CREDIT TO OUR BECU VISA ACCOUNT as of the date of writing. We have contacted BECU customer support regarding this missing credit on several occasions. BECU has been unable or unwilling to correct the issue. We have contacted customer support at XXXX and their payment processor XXXX regarding this issue on multiple occasions. XXXX and XXXX confirm that the credit has been provided to our BECU Visa account. XXXX and XXXX have given reasonable evidence that they have implemented the credit in the form of the following details for the credit : Date of Credit : XX/XX/2019 ; Amount of Credit : {$460.00} ; Visa Card Account Number ( last 4 digits ) : XXXX ; ARN of Credit : XXXX ; It appears to us that the Homeaway-XXXX have validly provided the credit to BECU and that BECU has not posted the credit to our Visa account.
11/07/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • CA
  • 90068
Web
I deposited a check into this bank. They took several weeks to verify it. They made all of the funds available to me for about three days and then they restricted my use of the check again. The lie or excuse that they are using to keep my money away from me is that they need more time to further verify the check. They told me that they need at least another week to verify the check. I told them to call the issuing bank ( XXXX XXXX ) right now while I was on the phone to verify the check and they refused. XXXX XXXX XXXX helped me to receive this very same check from XXXX XXXX about a month or two months ago. I deposited this check in BECU and after taking 2 weeks to clear the check, after making all of the funds available to me for about 3 days, they are pretending that the check didnt successfully and completely clear in order to keep me from using my own money. They are non-profit credit Union, and I hate to to think that they use tactics such as this to make money or steal money from their customers.
07/22/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • WA
  • 98103
Web
X/XX/17 To Whom It May Concern, I am writing this letter as I have a complaint that I would like investigated. Recently, I took out a BECU auto loan to cover the cost of my new vehicle. After learning about the new laws, I found that I had been given a loan with an interest rate of 4.24 % which is significantly more than the 0.29 % interest rate which the law states is applicable to loan borrowers. I am now requesting that you please take in depth look at why I have been charged with a higher interest rate. I was told that because my credit score was low, I had was offered the higher interest rate of 4.24 %. I should have qualified for an interest rate of 0.29 %, as all auto loans in WA state have this designated interest rate. After reaching out to BECU by phone, they stated that their lowest interest rate is 2.49 % and that my interest rate of 4.24 % was based on my credit score. Please contact me as soon as possible. I have been receiving inconsistent advice from them. Thank you in advance.
08/05/2015 Yes
  • Student loan
  • Non-federal student loan
  • Can't repay my loan
  • Can't temporarily postpone payments
  • OR
  • 97211
Web
The terms of my private student loan with BECU were changed without my knowledge. When I began paying back my student loans XXXX have never missed a payment ) in XX/XX/XXXX I had up to XXXX XXXX month forbearance periods available to me. In XX/XX/XXXX I became unemployed and reached out to my lending institution letting them know that I would like to opt for the XXXX month forbearance available to me. They told me that they were no longer offering these forbearance periods and I would need to figure out how to pay. For XXXX months I barely made my payments of {$600.00} per month on unemployment checks ; until I was lucky enough to find employment again. I feel violated by those periods of forbearance being taken away from me. Those periods of time were a safety net for me as a financially independent young adult who holds {$80000.00} in private debt. Is the institution allowed to do this without notifying me? If they did notify me in a monthly payment contract opt in is that predatory?
01/17/2024 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98001
Web
On XX/XX/year> I had XXXX large transactions totaling {$15000.00} taken out of my checking account. The XXXX, located, in XXXX, posed as the BECU Fraud Department ( they actually called from the Fraud Departments phone number ) and obtained a few key pieces of information so they could transfer money from my savings to my checking and then withdraw it. Since that time, BECU ( who I have seen multiple times ) has drug their feet on getting money back and done little to resolve the issue. I have been very clearly taken advantage of, and they are making me wait for up to three months before they decide whether or not to give me back my stolen money. Instead, they have given me a line of credit which I will be charged interest for using. As you can imagine, this has created tremendous stress and financial difficulties. Times are hard, and I NEED my money. Any help you can provide in getting my funds back to me would be greatly appreciatedthank you for your time and consideration.
10/13/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • CA
  • 912XX
Web
On XXXX - 2021 I went into the branch at Boeing Federal credit Union in XXXX Washington I opened a personal checking and savings account along with a credit card which I was approved for in the amount of {$27000.00}. When the card arrived I tried to activate it however I wasnt able. I called in and tried to speak to a representative Who was very rude and very abrasive.And she ultimately wanted to know my race which I dont understand how that please as a criteria for my approval or my relationship with the bank. They asked me to submit in documents which I did .First they told me it would take 24 hours then they told me it would take five business days then they told me it would take seven business days and I keep getting the runaround from these representatives at this institution which is very unprofessional to say the least.My credit report clearly states that this account is open and in good standing so I should be able to utilize this credit which was granted to me.
07/17/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Struggling to pay your loan
  • WA
  • 98208
Web
I called the number provided on becu website. I ask to speak to a Loan department. Spoke to a lady she asked me for my basic information social security, date of birth, and the reason for my call. I stated my hardship and explained my issues that I was 2 months behind rent and will be evicted, and the reason I can possibly fall behind on my bills on the credit cards I currently have open with becu and I am active searching for a job everyday and I do not have a vehicle due to recent denied request. I have children and been calling around to any charity programs. After my explanation to her, I was transferred to collections departments not knowing, because he did not state this was collections I was speaking to. I thought I was transfer to Loan department hoping to tell me different options that are available to low income assistant program loans. But the collections person I spoke to did not provide available resources or option available for my current situation.
04/06/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 28311
Web
BECU is unfairly and falsely reporting the same debt/closed account twice. this was just recently disputed and removed by XXXX. Now, BECU has unlawfully reported this again as a new account- for a second time- They changed the account number on a closed account with a balance, I did not open a new acct. an account number change should not take XXXX pts off of my credit again. While on my XXXX report this is not currently a problem, on my XXXX report I just had the duplicate removed this past week!!! For the same account, same open date everything. Instead of changing the account reported its being added as a double debt, or new account neither of which is the case. BECU is now FALSELY reporting this duplicate closed account again, and has again been added to my report with severe negative effects on my score and affected my quality of life due to my new low score. This needs to stop- this is a violation of fair debt collection and or fair credit act.
03/16/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OR
  • 97116
Web
Received a letter from BECU ( Boeing Employee Credit Union ) saying I had taken out a loan and my payment was overdue. When I called to verify what the bill was and that I had not taken out a loan with them they directed me to their webpage to dispute and wanted me to fill out an IDENTITY THEFT AFFIDAVIT. This form collects all my personal information. When I asked them about it, they said that was the only was to dispute the claim. I said I was uncomfortable providing that information when they should clearly already have it. They said that there was nothing they could do until they had that information and the debt owed would be reported to the credit reporting agencies. From the letter I can not tell what information they have about me other than my mailing address. When I check their website, it all looks legit. What am I supposed to do in a situation like this? Just ignore it? Please advise. Let me know if there is additional information you need.
06/30/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • WA
  • 98422
Web Servicemember
I was divorced on XX/XX/2007 and in my divorce decree it stated that the mortgage, HELOC, and all assets and liabilities from the home and property were the responsibility of the wife. I have been harassed by BECU and have had my paycheck garnished several times to pay something that was ORDERED by a JUDGE to be the responsibility of my ex-wife. I am a Federal employee and they sent garnishment paperwork to the Office of Personnel Management to tarnish my career. I ended up getting the garnishment cancelled and they now pull funds directly from my bank and I can't stop it. I KNOW this XXXX XXXX XXXX HELOC on a FORECLOSED and resold home has been paid off by insurance by now. I should not have to pay BECU for something that is not my responsibility. I have my own mortgage ( that went up {$800.00} a month ago ), two car payments, insurance, $ XXXX in credit card debt, XXXX children ( two getting braces ), and a host of bills!! I need this to cease.
03/15/2023 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
  • WA
  • 98208
Web
Starting on XX/XX/XXXX I started receiving phone calls from XXXX XXXX XXXX and capital one asking if I had opened these applications for lines of credit. I denied having done so. Then on the upon checking my credit report I saw a fraudulent account opened with BECUBank its actually a credit union. And when I called them they asked me to do a police report which I did on XX/XX/XXXX. I have also placed fraud alerts on all three credit bureaus on XX/XX/XXXX. I have also put a security freeze with the credit bureaus on XX/XX/XXXX, XXXX. BECU told me that there was online banking done under that fraudulent account by a person a name of XXXX XXXX. They had opened a checking account and used bill pay to pay some bills or rent. I am in the process of closing these fraudulent accounts with BECU. Whoever did open these fraudulent accounts had my Social Security number and my address, and was able to do so with just these two pieces of information.
09/20/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • NV
  • 89106
Web
My XXXX XXXX XXXX that Ive had for XXXX year, has irreparable transmission issues. XXXX has issued recalls on transmission issues with this vehicle. I was not contacted by XXXX notifying me of the recalls. As a result, my vehicle is now inoperable and XXXX is telling me they will not purchase it back from me or even allow a trade in. XXXX dealership is saying they will fix the transmission but I will be without a vehicle for XXXX months. They are not offering a complimentary vehicle or assisting with rental fees. I had to purchase a new car and now have a second car payment. I spoke with the lender for the XXXX XXXX and they are saying they cant do anything because XXXX is offering to repair the vehicle. I would like for XXXX to take the vehicle back and pay the remaining balance to the lender. Because XXXX did not notify me of the issues with the vehicle before it became inoperable, they are responsible for the manufactures malfunction.
08/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98116
Web
XX/XX/2022 I received a text message from XXXX ( XXXX ) XXXX that said a charge on my BECU card, made in Alaska, needed to be authorized. It included a link for responding. Which, unfortunately, I clicked on. It asked me to log into online banking. I ended up giving my birthdate, ss #, phone. Then the site said I'd need to call customer service to complete the transaction successfully so I called and spoke to a person named XXXX who asked for my address and mothers maiden name. When I went to the branch they said the phone call was probably also a scammer. They said I should take my phone in to the service provider or manufacturer because the link probably put malware on my phone! Since this morning I've been trying to address all the places this could hurt me. My other credit card, my other banking situations, etc. A a screenshot of the text is included below
02/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 981XX
Web
On XX/XX/2023 I went to a BECU atm at XXXX XXXX XXXX XXXX and deposited {$920.00} cash. The atm accepted my money and it was rotating internally for several minutes, the atm errored out and restarted out of order. The atm then after several minutes returned to being active and in working order. I immediately called becu as this was happening. They submitted a form for review, apparently this form had the wrong address originally and several days later when I inquired they resubmitted and gave me a provisional credit. I then noticed they took back the credit and my account was now a negative balance. I called them and they said they did a review and there was no issue with the atm and it balanced. There is no way this could be true. They just took my money and there was no resolution for me other than to accept that BECU took my funds and I had no recourse.
11/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98292
Web Servicemember
I am on a joint car loan with my Dad, since XXXX. My Dad is the BECU member, I am not. At the end of XXXX my Dad filed bankruptcy and since then the loan is now listed as Account Relationship Terminated and even though I am still making payments to the loan and they are being accepted, these payments are not being reported. We both went into a BECU office back in XX/XX/XXXX to see why my payments are not being reported to my credit history, and they said they would call us back with more information. They never called back and they still are not reporting that I am making payments. I dont understand why my father declaring bankruptcy has affected the loan in this way when I am the one making the payments on it. BECU has not been helpful in resolving this situation AT ALL. All I want is for them to give me credit for paying this loan off.
05/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 980XX
Web
I have an auto loan with BECU. I have never been late on the payment but I just found out I have a 30 day late showing up on my credit for XX/XX/2020. I use bill pay to make my payments, and I've attached 2 bank statements to show the payment history for each month since I bought the car. Every month, I transfer the payment of {$320.00} from XXXX XXXX XXXX XXXX to BECU and my payments are processed. The payments are due on the XXXX of each month and I've never been 30 days late. Can you please investigate this for me and advise me of the results? My credit has no blemishes on it other than the BECU late payment, which is erroneous and I am hopeful you can clear it up for me. I am trying to refinance and this is really hurting my loan. BECU account # is XXXX. Please let me know if you need any additional information. Thank you, XXXX XXXX
12/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98002
Web
BECU has been more than difficult to work with on these erroneous late payments. Ive filed a dispute claim with them already using XXXX XXXX and so far havent heard back. The way the account works is I can only pay my auto loan through the BECU account. Usually they move my funds between accounts themselves to settle the loan. In these instances where I was reported late they didnt bother to do that. At no point, was there any communication with me as to when the payment was due or what the actual amount of my payment is. Their apps and websites show inconsistent funds ( I believe they pull from different systems ), and on top of that, nothing on their app tells me payment dates, or amounts. With a perfect payment history on all of my credit trade lines, I would hope you can see that this is an error on the creditors part.
07/12/2023 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
  • WA
  • 990XX
Web
I bought a piece of furniture on XX/XX/XXXX. XXXX was supposed to take place XXXX weeks after purchase. On XX/XX/XXXX the company filed for bankruptcy. They were purchased by another company who continued to say that would try to settle debts with vendors so that purchased furniture could be delivered to customers. In XX/XX/XXXX the company canceled my order and had me file a claim against the bankruptcy and be listed as a creditor entitled to payment. The deadline for submitting was XX/XX/XXXX. I emailed the law firm and they said to get back in touch after that deadline. Now they are saying that there will likely not be any reimbursement for unsecured creditors because the debts are too great. My bank is saying that they cant help me because I didnt file the dispute within 60 days.
11/23/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Confusing or missing disclosures
  • WA
  • 98028
Web
BECU opened a savings account in my name WITHOUT MY PERMISSION. I went in for a car loan at XXXX XXXX XXXX and without telling me they had me sign paperwork that gave them the authority to open a savings account in my name. All I knew was that I was filling out paperwork to get a vehicle loan. I would never have authorized a savings account as I NEVER INTEND TO USE BECU for my saving. I called BECU when I realized that they had opened an account in my name without my knowledge and they refused to close it - they said I had to sign more paperwork. I WILL NOT SIGN ANYTHING FOR AN ACCOUNT I NEVER AUTHORIZED IN THE FIRST PLACE. This rings very similar to the XXXX XXXX scandal. Highly recommend BECU be investigated for this type of predatory banking practice.
05/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 190XX
Web Servicemember
Credit line has been suspended : Because disclosure of use of information from obtained from a consumer reporting agency called XXXX. They ( BECU ) say the reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you when in fact they did. I have never been late in paying off my line of credit with BECU. So why is my credit being suspended for no reason? I have no outstanding balances on any of my other accounts the account in question at the BECU is XXXX line of credit. I think this is illegal and discriminatory since I have no outstanding balances any where. I want to take legal action and sue on behalf of the CFPB law passed recently plus I want my line of credit restored with a written apology.
06/19/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • AR
  • 72601
Web
I request to dispute the payment late for XXXX days that has been appearedIn my credit score information. I have some reason why I late to pay. The reason is when I got accident my insurance company said thatThey will pay off my car so I delay my payment. The XXXX reason are I have already pay for the insurance full coverage withXXXX XXXX but my lenders which is BECU still charged me for full coverages insurance. In that time I need to pay XXXX for the insurance. After I talked to themThey said that they will reduce my monthly payment but the monthly paymentStill in the same amount. Then I delay again my payment. Thanks for ur attention. I ll wait for ur best resolution and suggestionBecause this case has already ruined my credit score so much.
03/16/2019 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • WA
  • 98059
Web
We have attempted to open a savings account at a Boeing Employee Credit Union ( BECU ) at this address : XXXX XXXX XXXX XXXX XXXX, WA XXXX. We have attempted to meet with them and made phone calls to the branch manager on XX/XX/2019. They will not do so until my wife produces a Social Security Card, they claim it is proof of identity, yet on their web page they state they only need a social security number for tax purposes, which she does have and has provided. We have requested a replacement SS card for my wife, but it will take some time to arrive. This practise seems illegal and I am concerned they are requiring it because she is XXXX. She does have a valid Passport and Washington State Driver 's licence, they would not accept those forms of ID.
09/02/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WA
  • 98146
Web
I am a XXXX in Alaska and due to COVID, we aren't able to go to places on land to get internet. I had to make a phone call to my Bank ( BECU ) to get a new debit card, they issued me a new debit card, but they failed to update my monthly automatic payments of my credit card. Since I'm fishing in Alaska, I have no way of getting notifications that a payment was missed or there was an issue with my credit card account. Come to find out BECU marked my account 60 days late, closed my credit card and seriously damaged my credit report from a mistake that was made on their end! I was just about to buy a house as soon as I am back from fishing and this has ruined my chances. I have a pregnant wife and no way to get my credit score back.
09/24/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • WA
  • 98335
Web
Hello, In late XX/XX/2021 our credit card ( joint account with my husband ) was closed in error. Please see the attached letter we received from BECU. We were told via telephone by a BECU representative this was due to an unknown error on their part. We were assured that this error would not cause any damage to our credit and would be resolved immediately. Unfortunately, this is not the case. Our credit scores dropped significantly by this costly mistake and even though we have disputed this account closure with the credit reporting agencies it has not helped. We'd like to know what BECU can do to rectify this situation. I appreciate your assistance in this matter and look forward to hearing from you soon. Thanks
12/18/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98058
Web Servicemember
On Thursday XX/XX/XXXX I deposited two pay checks from my employer to my BECU account. I had previously opened the account a week prior. This is relevant because this is their reasoning behind them withholding funds from my access. On Monday, XX/XX/XXXX, I called to inquire about the status of my deposit. However apon calling BECU I was greeted by an extremely rude employee who told me that they would not release my funds and that I was going to have to wait 5 more business days because my account was too new. In addition to this I was told that BECU had put a note on my account to hold the funds for as long as they could and there was no way for their staff to assist me with this.
12/06/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • WA
  • 98056
Web
During the Covid pandemic, I had BECU. I'd signed up on XXXX, and had them take out expenses. I did not have the money in my account, and did not realize. They began charging me late fees for the transactions trying to be taken out, sometimes up to XXXX times. It was bizarre because I had money in my other account, and it was not moved over as they typically do. Overall, they took almost {$600.00} in late fees. A year later, they sent an email which said I was unable to sue them. At this time, it was illegal to take late fees due to the pandemic, and BECU said they would suspend and return late fees, but they did not for my account. This was XXXX and XXXX of 2020.
10/01/2020 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • WA
  • 98208
Web
Called by a woman, she wanted me to " identify '' myself/verify identity with her, I told her I don't do that for people who call me and that I was going to bed for work. She interrupted me and said " yes and this is the last five minutes my office is open too '' in an antagonistic tone and that she worked for BECU and she called me by my name, I again told her I would be going to bed and she interrupted me again. Offended I asked her for an employee number, she gave me her name but, refused to give me anything else other than " XXXX working at BECU '' I attempted to call BECU back after she refused to give me any kind of employee ID but, they were closed.
07/04/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • OR
  • 97219
Web
Related to COMPLAINT ID # XXXX. Per the last response from Being CU, completely misleading to me and CFPB with their response that their were working on the issue, so much so that they filed in court for full recovery of the loan and fees, very corrupt and misleading from their part. The court filling states that the car is to be delivered, it has been in their possession for over 1 month now, as it was repossessed from Boeing CU, and completely avoiding my calls. XXXX XXXX. XXXX XXXX XX/XX/XXXX and delivered on XX/XX/XXXX. And was given 30 days to respond, took them 21 to deliver it, not very ethical practice from Being CU and XXXX XXXX XXXX XXXX.
03/20/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Managing, opening, or closing your mobile wallet account
  • WA
  • 98133
Web
The bank company recently switched how consumers are to pay down their line of credit. At first I was locked out of using their new payment system until I agreed to new terms and conditions. The 11 pages of terms of use were confusing and convoluted - So I called in and asked for an explanation which was provided stating that this was only to change their fee schedule and amounts. However on follow up I still wasnt able to make payments down to zero due to the interest nature on this account which previously I had no problem in settling. Now according to this new process it is mandated that I carry a balance with no easy way to settle the account.
01/11/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 98006
Web
I was messaged for a job on XXXX, they sent me fake checks to purchase my equipment for the position. I was told to transfer the money to a vendor they worked with, after the third day XX/XX/22 of transferring money I stopped due to suspension of the amount of money I was being told to send. I immediately filed a complaint to my bank BECU and a friend filed a fraud report to the FTC with the provided case number XXXX. My bank today XX/XX/22 suspended my account, told me they are unable to cancel the transactions and leaving me in {$7000.00} in debt in which the fake checks totaled to. They took what I had in my savings to help pay for the debt.
04/11/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98466
Web
To who it make concern XXXX XXXX XXXX I'm contacting you about some very odd feedback on banks accounts I have that I feel have be tambered with bye the financial services who I have banked with. XXXX is XXXX XXXX XXXX the others are Becu, XXXX, XXXX XXXX XXXX and let not forget XXXX XXXX that I closed physically in XXXX of XXXX. Please concetor I the account follow have very much try to communicate with these financial institutions who I am the sole account owner and have not had any good results in coming to a professional matter by the follow above. Thank for having this service you provide. Today 's Date XX/XX/XXXX. XXXX XXXX XXXX
06/18/2020 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
  • WA
  • 98466
Web Servicemember
Hello, B.E.C.U. Credit Union appears to be conducting unfair business practices in the final payment process. I had an unpaid balance of XXXX cents and was unable to pay over the phone or in person at the bank itself and had to wait for regular mail for the final bill. Once received the bill was promptly paid however due to their inability to take a payment other than by mail has made this XXXX cent payment late and severely affected my credit score and they will not remove it. This loan was paid on time for 3 years and paid off 2 years early and I have tried to work with them to get this removed and would like your help please.
11/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • WA
  • 98042
Web
XXXX XXXX XXXX took a line of credit with thXXXX XXXX through XXXX XXXX his sister in law..I have to report identity theft. XXXX west XXXX XXXX in XXXX XXXX, WA is on my tax ID.. Looks like the mortgage statements have come to XXXX XXXX XXXX XXXX XXXX, WA XXXX My credit report also shows these two individuals have opened lines of credit using my SS and DL excesively.XXXX XXXXXXXXXXXX XXXX is where she works..I have attempted to report this as the XXXXXXXX XXXX XXXX XXXX XXXX allow both individuals rent XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX in my name.. I did not consent to this.. XXXX
02/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30331
Web
After reviewing my XXXX, XXXX, and XXXX credit reports ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) I have found inaccuracies. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. Boeing Employees Credit Union Acct # XXXX Opened XX/XX/XXXX Amount {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX Amount {$2500.00XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$3000.00}
12/23/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WA
  • 98520
Web
I found a Charge offs on my Credit report form XXXX XXXX XXXX I disputed it with the CRA it came back verified. I than sent a letter to XXXX XXXX XXXX about this heard nothing back and called them I spoke to a Customer Service Representative who informed me that your XXXX XXXX XXXX does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP.
12/06/2023 Yes
  • Credit 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
  • WA
  • 985XX
Web
XX/XX/ {$5600.00} was transferred out of my credit card account that was supposedly already cancelled by BECU. According to them I gave my personal information to the other party involved. I had not given any information out. The bank has been contacted by myself on multiple occasions and have not called my back with updated information. I have filed a police report for fraud and haven't heard anything from that also. Meanwhile my account is still being charged late fees and interest fees. They have started to pull those amounts out of a checking account associated with the credit card.
02/04/2020 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98105
Web
On XX/XX/XXXX, I have visited BECU for the third time to dispute an unauthorized transactions ( using debit card and depositing forgery checks ) due to fraudulent scam. There is a negative balance of {$6200.00} on my savings account due to the fraudster depositing forgery checks and using those money that got returned afterwards. I have filed a police report on XX/XX/XXXX and gave it to BECU but they did not approve the unauthorized transaction. The fraudster, XXXX XXXX is also being charged for Identity Theft on XX/XX/XXXX but BECU ignore the fact and take no action.
01/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Credit monitoring or identity theft protection services
  • Received unwanted marketing or advertising
  • WA
  • 98208
Web
I opened my BECU visa account and found charges made to my visa account by XXXX XXXX XXXX in the amounts of {$21.00}, {$30.00}, {$25.00}, {$25.00}. I did not make these charges, these were made on XX/XX/XXXX. It did not say what the items were, my bank listed them as pending. The website with this phone number says it is a Bank Fraud and has been reported to the FCC. I want these charges removed from my BECU bank account. I noticed this has been going on since XX/XX/XXXX and it is still happening.. I also have problems connecting with DO NOT CALL REGISTRY.
12/27/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 983XX
Web Servicemember
XX/XX/2020 - account with XXXX was pu on pause ( meaning no automatic payments would be withdrawn XXXX XX/XX/2020 - account with XXXX was cancelled, despite account being cancelled and on pause, merchant took reoccurring fee XX/XX/2020 - contacted XXXX about fraudulent fee - merchant said they cant do refunds XX/XX/2020 - informed XXXX that fraudulent charge would be disputed with bank XX/XX/2020 - Bank reversed charge and began investigation XX/XX/2020 - XXXX provided all communication to bank showing pause and cancellation as well as fraudulent withdrawal
04/02/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 981XX
Web
When I opened an account with BECU, I opened a checking, savings and personal line of credit account. I deposited a substantial amount into the savings account and asked the clerk to link it to the checking account for overdraft protection. Three years later, I discovered after reviewing my statement carefully, that my overdraft protection was linked to a personal line of credit that over the years cost me ~ {$1300.00} in interest while I had a savings accounts with $ 20K+ under the same name in the same bank. BECU refused to refund the interest charged.
01/12/2024 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 980XX
Web
Hello, I'm having a problem with one of my banks, called BECU. Someone managed to have access to my data and accessed my account, they deposited checks in my name but with another living address, then they took out the money they deposited plus mine, now I have an overdraft in my account and those of the bank do not manage to do anything. And they say it's my fault. In addition to depositing checks that were not mine, they also made different transfers through XXXX, and the only thing the bank says is that it was me and they rejected my claim.
09/08/2023 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 98058
Web
Payment was made through XXXX, service offered by BECU, for a party equipment rental on XX/XX/23 in the amount of {$250.00}. XXXX was a scam through XXXX XXXX. An invoice was received from seller, but no party equipment rental was received for the payment that was made. The seller account has been reported to XXXX. We used XXXX through BECU because we thought it was a safer option because it's a service offered by BECU. Banks and XXXX XXXX are offering a service with no customer protection and scammers are using it to their advantage.
01/13/2022 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Received bad information about your loan
  • TX
  • 76105
Web
I found out inXX/XX/2021, while applying for a school program someone had taken out three student loans in my name without my knowledge. The purported lender is Boeing Employee Credit Union. I immediately contacted them and was told I do not hav3 a loan with them. I asked for a clearance letter or notification In the system that I did not have any delinquent loans so I could pursue my career. They refused to give me one. Thus is NOT my loan. I have enclosed an identity theft package.
04/30/2015 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Application, originator, mortgage broker
  • WA
  • 98074
Web
When applying for the loan, borrower costs provided to us over the phone was different from final borrower costs on the disclosures. Approximately XXXX $ had been used to buy down the interest rate and financed into the loan, thereby increasing the loan balance significantly. This appeared to have been done with the sole aim of appearing to be competitive. When asked to pick a different rate, several additional fees were added, again bringing up the final borrower costs for the loan.
01/09/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • WA
  • 98208
Web
After 8 years of holding my credit card at BECU, something happened to get my card removed from auto-pay status. I received no letters or messages of any kind to inform me of this or the resulting late payment fees and eventual closure of my account. This happened over the course of only 2 months between XXXX and attempts to work it out with the bank have gone no where. I 'm not sure what I can do here, but I figured these kinds of shady practices needed to be reported somewhere.
08/23/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Credit decision / Underwriting
  • WA
  • 98223
Web
I purchased a home in XXXX 2013 with Boeing Employees Credit Union. I was provided an appraisal from XXXX XXXX XXXX and XXXX XXXX stating my square footage was XXXX. I recently applied for a cash out refinance on this property and another appraisal company stated it is only XXXX square feet. I feel I overpaid for the original purchase and was provided inaccurate information from XXXX at origination. I was sold a property under false information in regards to square footage.
05/12/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Settlement process and costs
  • WA
  • 98008
Web
The 3 day wait rule should be at least optional. The way banks are actually using this rule is just to go through the same blur of complex paperwork before telling the purchaser that there are " 3 days of quiet time ''. They treat it like a XXXX purchase waiting period. There is nothing whatsoever that forces them to make sure the purchaser understand the blur of paperwork. It 's great that people have the opportunity to review, but it 's not used in that way whatsoever.
07/21/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98119
Web
Hi CFPB staff, I opened a credit card at BECU and transferred a balance onto it. I scheduled regular payment unknowingly a day later than they were due. As a result, I received 7 late payment reports ( rather than 1 with 6 on-time payments ) beginning when I missed the first payment. BECU refused to correct the mistaken late payment reports to the credit agency and my score suffers ( and will continue to suffer for another number of years ) as a result.
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
  • MI
  • 48075
Web
I Lost my debit card and was charged a overdraft fee but I didnt use the account so I never noticed it was closed or used as I didnt keep much money in that account. Well it was closed and sent to XXXX XXXX saying I owe. I paid in full with the acknowledgment it would be deleted from XXXX XXXX XXXX once paid in full. so not only is it not my account I also paid the account and its still showing up which is hindering me from opening a new bank account.
10/16/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Problems at the end of the loan or lease
  • Problem with paying off the loan
  • WA
  • 98033
Web
Attached are files from XXXX regarding XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These were both allegedly covered by extended Insurnace; XXXX coverage, service contract, and XXXX XXXX XXXX through Lender. Please review all statements, receipts. I will also send information about Fraud Claim and others taken to XXXX XXXX XXXX XXXX and misuse of my alleged social security number, credit reports, and inability to have a normal finance experience or life.
09/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 949XX
Web Servicemember
Boeing Employees Credit Union. I before application if the inquiry to XXXX would be " hard '' ( visible to other creditors ) or Soft ( visible to only consumer ). I was told all credit or XXXX inquires related to opening a checking account would be soft in nature. However, when I pulled my XXXX report I saw a hard inquiry date XX/XX/2021. Therefore their representative misinformed. I'm planning to file a police report to have the inquiry removed.
06/08/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • KS
  • 66208
Web
Almost XXXX dollars taken out of account. Dates all the way back to XXXX in unauthorized transactions. I submitted my fraud paperwork and my back told me that the charges were authorized and that there was nothing they could do. BECU Is the bank. Now I have nothing and all my hard earned money is gone. XXXX XXXX is the company that the withdrawals were coming from and because they are a financial organization? becu says they cant do anything.
01/25/2023 No
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98030
Web
Bad experience with BECU I got my business checking account until one day on the on XX/XX/XXXX of 2022 someone took XXXX dollar on my account and make a payment on a credit card wich it belong to XXXX XXXX and I went over and complain but they say that they cant do anything I m so upset with BECU but they never do anything they say that its my obligation to check my account every day plus the dont give me XXXX XXXX XXXX so I dont recommend BECU
02/11/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98004
Web Servicemember
I applied for checking and savings account and I lost the folder with my personal information on it such as my social security number and account numbers..in XXXX I am in college and I am going to school for two degrees at once.. some one borrow a loan in my name from BECU ..that I never knew about ... I never applied for any loan from BECU ... so my identity is being used and stolen .I have never had a bank loan in my life. never ..
08/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98686
Web
Account was settled in accordance to agreed schedule 3 years ago, and was removed from report. Shortly after it reported open and derogatory and reporting late payments every month since settlement. Still shows on XXXX and experian and shows many late payments that were added after settled as agreed. Was told by issuer that after settled it would be removed from report. Instead they continued to report late and damage my credit.
05/29/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WA
  • 986XX
Web
Settlement was made to becu and received documents from becu stating settlement paid as agreed. This occurred between XXXX In XX/XX/2020 I received notification from back that they would put my account to collection if I did not pay again. Dispute of this account created correct result on XXXX but is still reporting charge off on XXXX and XXXX and continues to damage my credit as they continue to report charge off each month.
06/26/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98119
Web
i opened a bank account with BECU and deposited a check written from myself from my other bank account ( XXXX XXXX ) and its been on hold as possible fraud. the check cleared out of academy bank and shows on BECU but i'm told it's being held. i requested it be sent back and was told they can't do that. i contacted academy bank and they said it cleared and was fine. its been 8 business days since.
06/27/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • WA
  • 98370
Web Older American
l called them in XXXX due couvid 19 stay home and closing business, asking them to give me sometime to get back to normalcy to pay again on my loan. I made a payment on XX/XX/XXXX they received the payment,XXXX $ went into interest for the previous 3 months. I called them to complain and reverse it they said nothing they could do. The call was on XX/XX/20. My loan is through BECU there # is XXXX
02/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 98499
Web
These inquiries are INACCURATE and were NOT AUTHORIZED to be reported in my credit reports. I am demanding that these inquiries be DELETED immediately. The inquiries are noted as follows : BECU XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX immediately. BECU XX/XX/2022 was not authorized, I am demanding this inquiry be removed from XXXX immediately.
03/01/2022 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
  • WA
  • 981XX
Web
Hello, My credit card information was recently stolen and used to purchase thousands of dollars worth of cryptocurrency that I never gave permission for. The day I was approved for a credit increase, the hackers maxed out my credit card. My bank said they will investigate. But the charges are still on my credit card. I cant make any payments now because its maxed out. I need help asap.
05/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Can't close your account
  • WA
  • 98201
Web
Around XXXX I had deposited a friend of mines stimulus check due to everything being closed by covid-19 B.C.E.U gave half the money which was XXXX $ then froze my account told me to bring in my friend whos now XXXX from covid-19 an put a hold on all of my money from 2cnd and 3rd stimulus being direct deposited into my becu account how can I close this account and access all my money?
03/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94506
Web
My wife and I had a home equity line of credit ( HELOC ) with BECU. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that BECU never informed any of the three credit reporting agencies that the HELOC was closed.
06/16/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • OR
  • 97219
Web
My car got repossessed due to hardship as a student, I attempted to get assistance over 9 times, placed on hold or was disconnected, the car was taken with my belonging inside, i am completely lost and have no car to go to work, to pay for school, food or rent. When initially purchase with help of my parents, i put down {$6000.00}. I now feel I had lost a safety net for college.
10/04/2022 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
  • WA
  • 98122
Web
I have been dealing with this problem for a Year. I've had XXXX companies that have had accounts opened in my name by my father. These companies are called Boeing Employee Credit Union XXXX XXXX XXXX There is also a Collections account open that was previously removed XXXX XXXX XXXX XXXX XXXX I need these accounts and collection removed as they were opened fraudulently in my name
01/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • GA
  • 30127
Web
On XXXX, 2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
12/13/2019 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
  • CA
  • 91324
Web
On XX/XX/2019 I made a purchase using my BECU visa credit card in the amount of {$28000.00} from XXXX XXXX. This purchase was made by myself. BECU has taken it upon themselves to dispute and chargeback this card as a fraudulent transaction and chargeback the merchant. This purchase was in fact made by me and BECU had no right or permission to mark this transaction as fraud.
03/27/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • WA
  • 981XX
Web
I went to buy a new XXXX XXXX on XXXX XXXX from XXXX of XXXX. They got approval for my credit financing for the loan from BECU XXXX XXXX. I signed the purchase agreement and brought the car home. For days later I received a letter from the dealer to return the car immediately as the financing had been denied. I was not given a reason why the financing has been denied.
05/08/2020 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
  • CA
  • 91605
Web
On XX/XX/2020 I made a deposit payment in the amount of XXXX on my Visa BECU credit card. As a result of Covid-19 the project was not able to be completed and absolutely no work was performed. On XX/XX/2020 a refund was issued however the refund has not reflected on my account .And this is ruining my credit score in the middle of a refinance of my home.
05/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92620
Web
I had a credit card with Boeing Employees Credit Union Account # XXXX balance of {$6100.00}. My husband filled a XXXX XXXX bankruptcy XXXX XXXX. : XXXX File Date : XX/XX/2018, and BECU was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.
04/12/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NM
  • 870XX
Web Older American
XXXX negotiated the debt with Boeing credit Union and paid it off in XXXX of XXXX. I get several calls a week from a company called XXXX telling me that they are calling because I owe Boeing credit Union which I do not. The settlement was for {$2500.00} and I have emails from XXXX telling me that my debts have been paid in full on XXXX XXXX XXXX XXXX
06/03/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98404
Web
I paid off my mortgage XX/XX/2020 with BECU. My escrow account balance has not been returned to me. I've made several calls with no resolution. I'm now being told they won't even cut a check until XX/XX/XXXX! They are required by law to return it within 30 days. XX/XX/XXXX will be 45 days, if they even send it out. It's illegal. It's my money.
03/10/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • OR
  • 970XX
Web
received an email this morning stating I opened an account with BECU. I called them and they couldn't give me any information because the information they used doesn't completely match mine. They won't even tell me if they are closing the account because the information used to create it doesn't match my REAL information.
10/31/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Paying off the loan
  • WA
  • 98292
Web Older American
I paid off my mortgage on XX/XX/XXXX XXXX XXXX with excess funds left over in escrow. The check for the amount was supposedly mailed on XX/XX/. It never arrived in the US mail. After repeated calls to BECU to ask what happened to the check, a second check was issued on or about XX/XX/. That check has not arrived either.
03/17/2016 Yes
  • Consumer Loan
  • Vehicle lease
  • Managing the loan or lease
  • OH
  • 43081
Web
Loan amount was for {$7400.00}. Due date was XX/XX/XXXX. Payment was received on XX/XX/XXXX for {$7400.00}. They are now trying to collect {$73.00}. They are calling the lendee 's work. The company is Boeing Employee 's Credit Union. They were chosen for this car loan by XXXX of XXXX in XXXX Washington
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • WA
  • 98686
Web
BECU closed account XX/XX/XXXX and continued to report late payment after account was closed. I submitted complaint through CFPB and BECU stopped reporting but did not remove the additional reports. complaint ID XXXX As of XX/XX/XXXX BECU started reporting late payment on this closed account AGAIN.
11/25/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98290
Web
I tried to explain the extra amount I have included in my monthly payments should have been applied to the principle but the person I was speaking with wanted much more detail. I think they intentionally do that to avoid the loan being paid off early. They keep moving my payment due date out instead.
07/02/2018 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with rewards from credit card
  • WA
  • 98034
Web
On XX/XX/2018, I redeemed XXXX points to receive a {$26.00} cash back credit to my account. The credit was never applied to my account. I do not intend to use this credit card after this billing cycle. I called customer service and spoke with two people, neither of whom was able to help me.
10/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98373
Web
I have 11 inquiries on my report that are a result of ID theft. All these inquires showed on on my report in XX/XX/XXXX with out my knowledge or consent. I need to have these items removed immediately. I have file complaints with the FTC and local law enforcement in relation to this issue.
09/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • WA
  • 983XX
Web Older American, Servicemember
BECU has responded to my initial complaint however they have not provided a signed copy of the agreement they reference in their lawsuit against me nor in their response to the complaint processed through you. I would like a copy of that signed agreement for my records-thank you
12/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • NY
  • 146XX
Web
BECU froze my checking account on XXXX XXXX, and advised that it would be reviewed for XXXX days. The balance in this account is over {$40000.00}. I waited, XXXX days passed, and BECU are still refusing to unlock the account or explain why it continues to be frozen.
12/10/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • WA
  • 98052
Web
In 2017, BECU has had countless planned and unplanned outages with the banking platform. Outages that have included that inability to use a debit card. The outages impact areas like reviewing accounts, transferring funds, paying bills, paying for groceries, and so on.
08/26/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • NC
  • 27603
Web
I opened a BECU account under the refer a friend program. I never received the bonus. It has been the full amount of time to wait and still have not received. I called in several times saying wait few more weeks and I did but the bonus was never put in the account.
12/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98056
Web
During the Covid19 pandemic, payments were suspended. I received no income during this time and notified my lenders, asking for a payment freeze. In spite of this, they still listed me late. I am appealing to have these taken off my account as they are inaccurate.
10/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98007
Web
On XX/XX/2020 the BECU Credit Union ran my credit check with the XXXX credit reporting agency, and my credit score was shown as XXXX. That is totally incorrect! I was rejected based on incorrect information. The credit score that XXXX is showing to me is XXXX.
07/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • WA
  • 980XX
Web
Commencing on or about XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by impersonator XXXX XXXX and fake XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BECU account to fraudulent investment firm ( XXXX ).
04/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Privacy issues
  • WA
  • 98115
Web
I received a report that I was added as an authorized user on a credit card without my consent or knowledge. I contacted the bank and they would not provide me any information on how this happened nor allowed me to remove myself as an authorized user.
03/18/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • OR
  • 97702
Web
I received an email congratulating me on opening my new checking and savings accounts for BECU. I never opened an account there and do not live in that state. this account was also opened under a false last name.
12/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 37013
Web
I am a victim of identity theft. Because of the identity theft I ordered my XXXX report and found the following inquiries that were not authorized by me : Boeing Employees Credit Union XX/XX/2018 XX/XX/2018
10/17/2018 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Closing on a mortgage
  • WA
  • 98275
Web
I submitted documents for a HELOC, and the lender ( BECU - Boeing Employees Credit Union ; Routing # XXXX ) lost them. The loan application expired w/out the lender making me aware prior to expiration.
01/27/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98312
Web Older American
I received a phishing text from BECU stating that there was an issue with my account. I was asked to provide personal information. I have had numerous hacking attempts recently.
04/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Charged too much interest
  • WA
  • 98208
Web
BECU, Didnt notify me of the credit card APR change from 0 to 10 %. Also, did not refund $ XXXX after I was scammed and fraudulently lost money from my account.
08/30/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • UT
  • 84106
Web
I submitted CFPB complaint XXXX a few weeks ago. I did not receive a response from BECU regarding my complaint, even though my case was closed out.
06/19/2022 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Lost or stolen check
  • NC
  • 278XX
Web
You expect me to believe you're on my side and will protect me by giving my details to the scam artists in a gang of bank money proportions?
07/09/2021 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem making or receiving payments
  • WA
  • 98058
Web
Boeing Employees Credit Union. Withdrew funds from savings account and made a payment on a credit card without authorization or permission.
10/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98087
Web Servicemember
My account was hacked and they stole a ALL of my pay check I could not pay the bills that sustain my family and a BECU WOULD NOT HELP ME!
12/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • TX
  • 78753
Web
The bank arbitrarily froze my accounts and will not allow me to access my available funds and will not provide a reason why.
08/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98106
Web
Someone stole my information and has been using it to trying to get car loan ect.
10/15/2015 Yes
  • Credit card
  • Credit card protection / Debt protection
  • WA
  • 98177
Web Older American, Servicemember
fraudulent charge showed posted to my credit card account. Charge XXXX XXXX FL.
10/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Personal information incorrect
  • WA
  • 98125
Web
Didn't have any of the collection agent names
01/31/2024 Yes
  • Credit 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
  • FL
  • 33436
Phone
01/17/2024 No
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • WA
  • 98296
Referral
01/11/2024 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98407
Phone
01/09/2024 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Unable to open an account
  • HI
  • 96816
Referral
01/05/2024 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
  • WA
  • 98387
Web
12/22/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30354
Web
12/18/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98023
Web
12/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • CA
  • 91602
Web
12/14/2023 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • Payment process
  • CA
  • 93711
Web
11/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30253
Web
11/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30253
Web
11/21/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WA
  • 98258
Web
11/15/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98198
Referral
11/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • WA
  • 98007
Web
11/14/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • Paying off the loan
  • WA
  • 98292
Referral
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92115
Web
10/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened without my consent or knowledge
  • OR
  • 97223
Web
09/25/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • AZ
  • 85365
Phone
09/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • CA
  • 94965
Referral
09/12/2023 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
  • WA
  • 98422
Web
09/06/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Loan balance remaining after the vehicle is repossessed and sold
  • WA
  • 98087
Web
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98387
Web
08/18/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • WA
  • 98296
Web
08/18/2023 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Confusing or missing disclosures
  • WA
  • 98026
Web
08/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98087
Web
08/15/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Problem with balance transfer
  • WA
  • 98023
Web
08/09/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • GU
  • 96932
Referral
07/08/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98103
Web
06/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98387
Web
06/27/2023 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
  • WA
  • 98404
Web
06/21/2023 Yes
  • Checking or savings account
  • Savings account
  • Closing an account
  • Company closed your account
  • WA
  • 98310
Referral
06/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98166
Referral
06/11/2023 No
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • High-pressure sales tactics
  • WA
  • 98058
Web
05/24/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98275
Phone Older American, Servicemember
05/23/2023 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98665
Web
05/18/2023 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
  • WA
  • 98391
Web
05/11/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • NY
  • 10466
Referral
05/05/2023 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • SC
  • 29492
Web
05/05/2023 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
  • WA
  • 98032
Web
05/01/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • WA
  • 99208
Referral
04/24/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WA
  • 98040
Phone
04/19/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WA
  • 99217
Referral
03/30/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98006
Web
03/20/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Money was not available when promised
  • WA
  • 98321
Referral
03/20/2023 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
  • WA
  • 98422
Web
03/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 98686
Web
03/10/2023 Yes
  • Money transfer, virtual currency, or money service
  • International money transfer
  • Money was not available when promised
  • WA
  • 99163
Referral
03/07/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98051
Referral
02/20/2023 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
  • KY
  • 40299
Web
02/19/2023 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
  • KY
  • 40217
Web
02/19/2023 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
  • KY
  • 40210
Web
02/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98188
Web
02/17/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • IL
  • 62282
Web
02/14/2023 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • WA
  • 98126
Referral
02/13/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98121
Phone Older American
02/12/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98027
Web
01/29/2023 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
  • WA
  • 98312
Web Servicemember
01/25/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • WA
  • 98033
Postal mail Older American
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94010
Web
01/14/2023 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
  • WA
  • 98109
Web
01/13/2023 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Fraud or scam
  • WA
  • 98198
Web
01/13/2023 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
  • WA
  • 98103
Postal mail Older American
01/12/2023 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • AZ
  • 85205
Referral
01/05/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Trouble using your card
  • Can't use card to make purchases
  • WA
  • 98052
Web
12/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • WA
  • 98201
Referral
12/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • SC
  • 29483
Web
12/07/2022 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem accessing account
  • CO
  • 80033
Referral
12/05/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • WA
  • 98031
Phone
12/02/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Struggling to pay mortgage
  • CA
  • 93638
Referral
11/29/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem making or receiving payments
  • WA
  • 98208
Referral Older American
11/23/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98275
Phone
11/16/2022 Yes
  • Money transfer, virtual currency, or money service
  • Traveler's check or cashier's check
  • Fraud or scam
  • WA
  • 98031
Web
11/11/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • WA
  • 98051
Web
11/02/2022 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
  • WA
  • 98682
Web
11/01/2022 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
  • WA
  • 98065
Web
11/01/2022 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
  • WA
  • 98032
Web
10/27/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98204
Web
10/27/2022 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
  • Their investigation did not fix an error on your report
  • WA
  • 98052
Phone
10/25/2022 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 98042
Web Older American
10/20/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • WA
  • 98026
Web
10/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • OR
  • 97267
Web
10/14/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98052
Referral Older American
10/12/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • WA
  • 98499
Postal mail
10/07/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 99217
Referral
10/05/2022 No
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98204
Referral
10/01/2022 No
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Confusing or missing disclosures
  • WA
  • 98203
Web
09/29/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • AK
  • 99508
Referral
09/27/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • WA
  • 98103
Referral
09/20/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • WA
  • 99403
Web
09/19/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98345
Referral
09/09/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • MI
  • 48105
Web
09/08/2022 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
  • OR
  • 97080
Web
09/07/2022 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
  • WA
  • 98382
Web
08/26/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98387
Web
08/25/2022 Yes
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • MN
  • 55303
Referral
08/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • WA
  • 98402
Referral
08/19/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • WA
  • 98499
Postal mail Older American, Servicemember
08/11/2022 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
  • WA
  • 98058
Web
08/05/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • WA
  • 98273
Web
08/03/2022 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
  • WA
  • 98072
Web
08/02/2022 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
  • WA
  • 98032
Web
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • ID
  • 83646
Web
07/26/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98033
Referral
07/25/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Money was not available when promised
  • CA
  • 90034
Web
07/13/2022 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • TX
  • 75126
Referral
06/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Unexpected increase in interest rate
  • NV
  • 89128
Referral
06/13/2022 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
  • WA
  • 98008
Web
06/08/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • WA
  • 98109
Referral
06/01/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • WA
  • 98092
Referral
05/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • NC
  • 278XX
Web
05/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98030
Web
05/11/2022 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • CA
  • 90015
Phone
04/20/2022 No
  • Checking or savings account
  • Savings account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • WA
  • 98520
Phone Servicemember
04/12/2022 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • OR
  • 97030
Web
04/05/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98445
Referral
04/04/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98034
Referral
03/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98198
Referral
03/30/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98270
Referral
03/29/2022 No
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Confusing or misleading advertising or marketing
  • WA
  • 98021
Web
03/14/2022 No
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • WA
  • 98366
Referral
03/12/2022 Yes
  • Checking or savings account
  • Savings account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • WA
  • 98109
Web
03/08/2022 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • WA
  • 98422
Referral
03/07/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Cashing a check
  • WA
  • 98092
Referral
03/02/2022 No
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Transaction was not authorized
  • NY
  • 10550
Web
03/01/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98056
Web
02/22/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98422
Referral
02/16/2022 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
  • WA
  • 98424
Referral
02/12/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • WA
  • 98252
Web
02/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 982XX
Web
02/01/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98531
Phone Older American, Servicemember
01/28/2022 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • CA
  • 90277
Postal mail
01/21/2022 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Funds not handled or disbursed as instructed
  • WA
  • 98126
Postal mail
01/06/2022 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unexpected or other fees
  • WA
  • 98144
Referral
01/02/2022 No
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Funds not handled or disbursed as instructed
  • AZ
  • 85122
Web
12/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Cashing a check
  • WA
  • 98198
Referral
11/11/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98589
Referral
11/09/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75020
Web
11/09/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • GA
  • 30349
Referral
10/29/2021 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Problem accessing account
  • WA
  • 98106
Referral
09/28/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 98372
Web
09/16/2021 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
  • WA
  • 98034
Web
09/02/2021 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
08/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
Referral
08/19/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 99021
Referral
08/13/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • AZ
  • 85086
Referral
07/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91606
Web
07/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98133
Phone Older American
07/21/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • FL
  • 32940
Referral
07/17/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • FL
  • 34104
Web
07/16/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • WA
  • 98374
Phone
07/12/2021 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
  • GA
  • 30349
Referral
07/06/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
Referral
07/01/2021 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • VT
  • 05468
Referral
06/28/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • IL
  • 60453
Web
06/27/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • WA
  • 98050
Web
06/03/2021 Yes
  • Checking or savings account
  • Checking account
  • Problem with a lender or other company charging your account
  • Can't stop withdrawals from your account
  • WA
  • 99021
Referral
05/20/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 27886
Web Servicemember
05/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 99037
Web
05/13/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Can't close your account
  • WA
  • 98031
Web
05/10/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98501
Referral
05/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98002
Web
04/28/2021 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
Referral
04/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • WA
  • 98029
Web
04/15/2021 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Didn't receive terms that were advertised
  • WA
  • 98029
Web
04/12/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • WA
  • 98271
Referral
04/09/2021 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • WA
  • 98074
Web
03/25/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98031
Referral
03/03/2021 Yes
  • Checking or savings account
  • Savings account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98354
Referral
03/02/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98354
Referral
02/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98059
Web
02/22/2021 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
  • WA
  • 98942
Web
02/19/2021 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
  • WA
  • 98092
Referral
02/01/2021 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98236
Web
01/20/2021 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • WA
  • 98144
Web
01/14/2021 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
Referral
01/04/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
Referral
12/31/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98058
Web
12/30/2020 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • WA
  • 99208
Web
12/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98001
Web
12/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98333
Web Servicemember
12/02/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
Referral
11/24/2020 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
  • WA
  • 98446
Web
11/18/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • WA
  • 98290
Web
10/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Other features, terms, or problems
  • Other problem
  • WA
  • 98003
Referral
10/13/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • WA
  • 98022
Referral
10/13/2020 Yes
  • Checking or savings account
  • Checking account
  • Closing an account
  • Company closed your account
  • WA
  • 98122
Referral
10/08/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • NJ
  • 07086
Referral
09/15/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98133
Referral
09/11/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98034
Web
08/05/2020 Yes
  • Checking or savings account
  • Checking account
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • RI
  • 02861
Referral Servicemember
07/31/2020 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Fee problem
  • WA
  • 98375
Referral
07/28/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Referral
07/27/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98445
Web Servicemember
07/10/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98498
Web
06/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • UT
  • 84020
Web
06/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98391
Web
05/27/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98198
Web
05/07/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98023
Referral
05/05/2020 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WA
  • 98445
Postal mail
05/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98001
Web
04/27/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98121
Referral Servicemember
04/10/2020 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
  • WA
  • 98208
Web
04/01/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Closing your account
  • Company closed your account
  • WA
  • 98204
Web
03/31/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
Referral
03/16/2020 Yes
  • Checking or savings account
  • Savings account
  • Opening an account
  • Didn't receive terms that were advertised
  • WA
  • 98053
Referral
03/02/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98070
Referral
02/28/2020 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • WA
  • 98032
Web Older American, Servicemember
02/10/2020 Yes
  • Money transfer, virtual currency, or money service
  • Domestic (US) money transfer
  • Other transaction problem
  • WA
  • 98122
Web
02/08/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with the interest rate
  • WA
  • 99006
Web
02/05/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • WA
  • 98204
Web
01/09/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98012
Web
01/03/2020 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Phone
11/14/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Fee problem
  • WA
  • 99021
Referral
10/24/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
Postal mail
10/07/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • WA
  • 98203
Referral
09/17/2019 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Unable to open an account
  • MA
  • 02767
Phone
08/26/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98031
Referral Older American, Servicemember
08/15/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 92130
Referral
08/01/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Applying for a mortgage or refinancing an existing mortgage
  • WA
  • 99201
Referral Servicemember
07/26/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Credit denial
  • WA
  • 98036
Phone
07/23/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98074
Referral
07/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98033
Referral
06/24/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98270
Referral
06/11/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • CA
  • 91201
Referral
06/06/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 98034
Web
06/05/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91203
Web
05/10/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98204
Referral
04/30/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98155
Referral
03/29/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
  • WA
  • 98034
Postal mail
03/27/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98208
Web Older American
02/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98208
Web
02/06/2019 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • WA
  • 98208
Web
01/27/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • WA
  • 98001
Web
01/22/2019 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98003
Referral
01/15/2019 Yes
  • Mortgage
  • Home equity loan or line of credit (HELOC)
  • Trouble during payment process
  • WA
  • 98074
Web
12/19/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • WA
  • 98087
Referral
12/07/2018 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
  • WA
  • 98258
Web Older American
12/05/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Banking errors
  • WA
  • 99203
Referral
11/29/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Deposits and withdrawals
Referral
11/15/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98056
Referral Older American
08/01/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • WA
  • 98028
Web
07/10/2018 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
  • WA
  • 98034
Referral
06/21/2018 Yes
  • Debt collection
  • Mortgage debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WA
  • 98498
Web
06/13/2018 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • WA
  • 98335
Referral
06/06/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
Referral
05/30/2018 Yes
  • Checking or savings account
  • Checking account
  • Opening an account
  • Account opened as a result of fraud
  • OR
  • 97215
Postal mail
05/06/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Problem accessing account
  • WA
  • 98112
Web
04/24/2018 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem accessing account
  • WA
  • 98012
Web
04/02/2018 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Cashing a check
  • FL
  • 34638
Referral
03/06/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • TX
  • 76096
Postal mail
02/13/2018 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
02/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • WA
  • 98042
Web
02/09/2018 Yes
  • Mortgage
  • Conventional home mortgage
  • Closing on a mortgage
  • WA
  • 98042
Web
02/04/2018 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Bounced checks or returned payments
  • OK
  • 73141
Web Older American, Servicemember
11/23/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Denied request to lower payments
  • WA
  • 98374
Web
10/06/2017 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Problem using a debit or ATM card
  • WA
  • 98023
Referral
08/08/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • WA
  • 98203
Web
07/27/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75248
Web
07/27/2017 Yes
  • Checking or savings account
  • Other banking product or service
  • Closing an account
  • Company closed your account
  • WA
  • 98038
Referral
07/19/2017 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
  • TX
  • 78028
Phone
07/18/2017 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Getting a line of credit
  • WA
  • 98208
Referral
07/10/2017 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
  • OR
  • 97317
Referral
07/06/2017 Yes
  • Money transfer, virtual currency, or money service
  • Virtual currency
  • Other service problem
  • WA
  • 98418
Web
06/29/2017 Yes
  • Mortgage
  • Conventional home mortgage
  • Struggling to pay mortgage
  • WA
  • 98371
Phone
05/25/2017 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98057
Web
05/02/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Struggling to pay mortgage
  • AZ
  • 85737
Referral
04/26/2017 Yes
  • Debt collection
  • Mortgage debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98057
Web
04/25/2017 Yes
  • Mortgage
  • Other type of mortgage
  • Trouble during payment process
  • WA
  • 98290
Referral
04/05/2017 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • WA
  • 98036
Web Older American
04/02/2017 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan servicing, payments, escrow account
  • WA
  • 98042
Web
03/25/2017 Yes
  • Credit card
  • Billing disputes
  • TN
  • 37215
Web
03/18/2017 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • CA
  • 94108
Web
03/15/2017 Yes
  • Mortgage
  • FHA mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 98133
Web
03/14/2017 Yes
  • Other financial service
  • Traveler’s/Cashier’s checks
  • Customer service/Customer relations
  • WA
  • 98499
Web Older American
02/16/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • WA
  • 98055
Web
01/26/2017 Yes
  • Credit card
  • Billing disputes
  • TN
  • 37215
Referral
01/04/2017 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • WA
  • 98155
Web Older American
12/14/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • WA
  • 98513
Web
12/09/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • WA
  • 98116
Web
11/30/2016 Yes
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • WA
  • 98005
Web
11/14/2016 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • WA
  • 99209
Referral
10/21/2016 Yes
  • Credit card
  • Billing disputes
  • WA
  • 98032
Referral
10/20/2016 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Received bad information about my loan
  • CA
  • 90265
Web
09/28/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Problems caused by my funds being low
  • AZ
  • 86401
Referral Older American
09/18/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • WA
  • 98409
Web
08/03/2016 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 98056
Phone
07/19/2016 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • AZ
  • 86401
Referral
07/11/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • AZ
  • 86401
Postal mail
07/08/2016 Yes
  • Mortgage
  • Other mortgage
  • Settlement process and costs
  • WA
  • 98117
Referral
05/31/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • WA
  • 98198
Referral Servicemember
05/20/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • NV
  • 89145
Postal mail Servicemember
05/17/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 98133
Web
04/23/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WA
  • 98404
Web
04/14/2016 Yes
  • Bank account or service
  • Savings account
  • Account opening, closing, or management
  • WA
  • 98419
Web Servicemember
04/04/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 98133
Web
03/21/2016 Yes
  • Mortgage
  • Other mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 98292
Phone
03/17/2016 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • WA
  • 98087
Referral
03/11/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WA
  • 98144
Web
02/25/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Deposits and withdrawals
  • WA
  • 98074
Referral
02/23/2016 Yes
  • Mortgage
  • Conventional adjustable mortgage (ARM)
  • Loan servicing, payments, escrow account
  • WA
  • 98008
Web
01/27/2016 Yes
  • Money transfers
  • International money transfer
  • Fraud or scam
  • WA
  • 98058
Web
01/15/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Making/receiving payments, sending money
  • WA
  • 98198
Web
12/10/2015 Yes
  • Consumer Loan
  • Personal line of credit
  • Managing the line of credit
  • WA
  • 98101
Referral
12/01/2015 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • FL
  • 34135
Referral Older American, Servicemember
12/01/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • WA
  • 98270
Postal mail
11/28/2015 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • WA
  • 98225
Web
11/03/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WA
  • 98513
Web
10/24/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • WA
  • 98270
Web
10/22/2015 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Personal information
  • WA
  • 98513
Web
10/08/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Using a debit or ATM card
  • WA
  • 98296
Web
09/17/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Deposits and withdrawals
  • KS
  • 67601
Referral
07/24/2015 Yes
  • Bank account or service
  • Checking account
  • Problems caused by my funds being low
  • WA
  • 98102
Web Older American
07/06/2015 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • WA
  • 98058
Web
06/19/2015 Yes
  • Credit card
  • Credit line increase/decrease
  • WA
  • 98055
Referral
06/11/2015 No
  • Credit card
  • Credit card protection / Debt protection
  • WA
  • 98055
Web
06/04/2015 Yes
  • Bank account or service
  • Checking account
  • Making/receiving payments, sending money
  • WA
  • 98178
Phone
03/31/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 98125
Web
03/30/2015 Yes
  • Bank account or service
  • Checking account
  • Deposits and withdrawals
  • WA
  • 98404
Web
03/08/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WA
  • 98032
Web
02/08/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • WA
  • 98011
Web
12/30/2014 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • WA
  • 98110
Referral
12/30/2014 Yes
  • Bank account or service
  • Other bank product/service
  • Deposits and withdrawals
  • WA
  • 98055
Referral
12/02/2014 Yes
  • Money transfers
  • International money transfer
  • Money was not available when promised
  • WA
  • 98006
Web Older American
11/18/2014 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • WA
  • 98108
Web
10/10/2014 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • WA
  • 98632
Web
09/25/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • WA
  • 98632
Web
09/25/2014 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • WA
  • 98632
Web
08/26/2014 Yes
  • Money transfers
  • International money transfer
  • Fraud or scam
  • WA
  • 98031
Web
05/21/2014 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • WA
  • 98391
Web
05/06/2014 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • WA
  • 98198
Referral
04/07/2014 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • WA
  • 98122
Referral
03/25/2014 Yes
  • Bank account or service
  • Savings account
  • Deposits and withdrawals
  • WA
  • 98126
Web Older American
03/10/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Loan modification,collection,foreclosure
  • WA
  • 98001
Web
02/25/2014 Yes
  • Bank account or service
  • Checking account
  • Account opening, closing, or management
  • WA
  • 98360
Web Servicemember
01/22/2014 Yes
  • Mortgage
  • Conventional fixed mortgage
  • Application, originator, mortgage broker
  • WA
  • 98223
Web
01/14/2014 Yes
  • Bank account or service
  • Checking account
  • Using a debit or ATM card
  • CA
  • 90002
Web
12/26/2013 Yes
  • Student loan
  • Non-federal student loan
  • Dealing with my lender or servicer
  • Trouble with how payments are handled
  • WA
  • 90045
Web
12/03/2013 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Application, originator, mortgage broker
  • WA
  • 98106
Web
11/01/2013 Yes
  • Mortgage
  • Other mortgage
  • Loan servicing, payments, escrow account
  • WA
  • 98001
Referral