| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FIRST TECH & {$2500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 01/11/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I am going to post a transcript of my communications with First Tech Federal Credit Union regarding an ACH reversal fee that was charged to the account.
On XX/XX/XXXX, I had a balance of {$500.00} in the account. I had just deposited {$500.00} that day.
On XX/XX/XXXX, I attempted an ACH transfer of the funds from First Tech to my XXXX XXXX account in an effort to zero out the balance so that the account could be closed. This is standard practice at financial institutions- zeroing out the balance before closing the account.
On the same day, the ACH was rejected by First Tech and a {$33.00} reversal fee was charged. The reason cited in the conversation below is that the " available '' balance was only {$490.00}. It turns out that the credit union " locks '' {$5.00} of the total balance in the account. Even though I was attempting to pull all of my funds out, and my intention to close the account was made clear to representatives of the credit union via secure message, the credit union firmly rejected my request for a fee waiver. My intent in this case could not be more clear.
I continue to request a refund of the {$33.00} returned item fee. Once this is done, I will proceed to close my account. This credit union does not deserve my business going forward. There are plenty of other credit unions that do.
Transcript below : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Hi, let me get this straight : so it is OK for the credit union to " take '' from my {$5.00} " locked '' balance with your inactivity fee ( on XX/XX/XXXX ), but not for me to try and ACH pull the entire {$500.00} balance out? That is my money, whether or not the credit union considers it locked or not. This is ridiculous. I am initiating a complaint with the CFPB. That is now in process, and I hope you have a change of heart and reverse the substantial fee that was charged in this case. Clearly you can see what my intent was - stop hiding behind words like " this insufficient funds fee is considered valid ''.
Sender Image First Tech Federal Credit Union XX/XX/XXXX, XXXX PM Hello XXXX, Thank you for your secure message response. I understand your desire to simply close the account by transferring all funds. However, you must maintain the required held amount, and you can transfer only available funds. Simply contact us directly to close your accounts and deliver the final balance to your address on file.
At the time of the ACH deposit, there was {$0.00} current balance and - {$5.00} available balance, so once the deposit was received, your account was once again in a positive standing with {$490.00} available balance. This insufficient funds fee is considered valid.
Unfortunately, you do not have any courtesy fee reversals available. Credit unions are not-for-profit, and we are limited the amount of fees that we can reverse not caused by credit union error. Fee reversals may affect the value of rates and services that we can offer our members such as yourself.
If you would like to close your accounts, then please confirm your address on file and we can send a cashier 's check with the remaining {$5.00} balance ( or any additional funds left ). I apologize for any inconvenience.
If you need additional assistance please do not hesitate to reply to this secure message. We are available to reply to messages on Monday through Friday from XXXX XXXX to XXXX XXXX Saturday and Sunday from XXXXXXXX XXXX to XXXX XXXX Pacific Time.
Sincerely, XXXX XXXXSupport Associate Sender Image XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX Thank you for the reply. I appreciate your message, but I disagree with your rationale. I made a good faith error in trying to close my account by first withdrawing the {$500.00} balance. You are saying that {$5.00} of my balance is held and can't be withdrawn. Well, what else am I supposed to do if I want to close the account? I will once again request that this ACH fee be reversed, or I will escalate a complaint to the Consumer Financial Protection Bureau. Thank you.
Sender Image First Tech Federal Credit Union XX/XX/XXXX, XXXX PM Hello XXXX, We appreciate the message, and I hope you are doing well this afternoon. I am sorry to hear of the fee and I understand the confusion. I can certainly check.
XXXX, I see you were charged in inactivity XX/XX/XXXX and XX/XX/XXXX which made the balance XXXX, and took the {$5.00} in the membership savings that is always placed on hold. When you deposited {$500.00}, the same {$5.00} went into the hold status for the membership savings which means your available funds were {$490.00}, the following ACH debit was for {$500.00}. In reviewing your account for a courtesy reversal, I see we are not authorized to credit the fee. Credit unions are not-for-profit, and we are limited the amount of fees that we can reverse that are not caused by credit union error.
We can close your account and send the remaining funds to you via cashier 's check. Please make sure your address on file is correct.
If you need additional assistance please do not hesitate to reply to this secure message. We are available to reply to messages Monday through Friday from XXXX XXXX to XXXX XXXX, Saturday and Sunday from XXXX XXXX to XXXX XXXX Pacific Time.
Thank you for your continued membership!
Sincerely, XXXX Your eSupport Team Sender Image XXXX XXXX XXXX XX/XX/XXXX, XXXX AM Hi. I attempted to ACH pull my balance of {$500.00} a few weeks ago but it was returned and I was charged a {$33.00} fee. I don't think I did anything wrong, I was trying to clear my balance and close the account. I had {$500.00} in the account. Why did this happen? Please waive this fee and restore my balance to {$500.00}.
|
| 12/10/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
I held a {$6000.00} balance on a credit card with the company XXXX. I was offered a 0 % balance transfer rate by First Tech FCU if I opened a new credit card. I opened a new credit card with First Tech FCU and on XX/XX/2021, I followed the directions on the First Tech web site to initiate a balance transfer to pay off my XXXX credit card. I was already using my First Tech checking account to pay my XXXX card and had it listed as an external account, after having submitted the information to make ACH transfers. When I followed the First Tech balance transfer instructions, I was only asked for the name of the financial institution I was paying, the address of that financial institution, and the credit card number for that account. I entered the required information and the process was complete after a few clicks. There was no request about mailing address for a check to to whom to make it payable. I received email confirmation from First Tech that they had begun the balance transfer process and the {$6000.00} balance showed up on my First Tech account. Several days went by but there was no sign of the payment to my XXXX account. When I make payments from my checking account to XXXX, the payments show up within 3-5 days. I checked the status on the First Tech website and read in the FAQ that their balance transfer process can take up to 30 days. I waited until 30 days had passed and contacted both XXXX and First Tech support to inquire of the status. First Tech reported they had mailed a check and it was up to the receiving party to tell me the status. The XXXX support number is actually XXXX XXXX, the company that handles the credit card payments to XXXX, and they stated that they had no record of a check to pay the balance on my account and told me that their payment address for mailing checks is different from the XXXX company address. XXXX XXXX said that in the case that First Tech sent the check to the wrong address, or made the check out to XXXX rather than XXXX, the check would most likely be returned to First Tech. A month long back and forth ensued with both parties saying it was out of their hands and told me the legwork of tracking down the check in question was up to me. After some time First Tech produced a copy of a check that was written against a XXXX XXXX account and cashed to a XXXX account. First Tech informed me that the XXXX account was an account owned by XXXX XXXX XXXX. I called XXXX, XXXX several times and they said they don't know what the XXXX account is and will take no further action in the matter. They suggested First Tech file a report with the bank to which the check was cashed. I asked First Tech what options I had available and they said that a stop payment was too late and the dispute process would not work. First Tech repeatedly told me that once the check was cashed, they were no longer responsible and it was up to me to contact XXXX and XXXX XXXX to inquire about options. I am not the owner of the XXXX account where the check was cashed or the XXXX XXXX account from which the check was written. I pointed out to First Tech that neither bank would talk to me about the details, as I own neither account, and First Tech reiterated that it is not their responsibility once their check is cashed. First Tech. I tried to point out that I had requested a balance transfer but that the balance never transferred and they were leaving me stranded. First Tech said that because I had entered XXXX into the name and address section for " financial institution '', to pay off my XXXX credit card, I had caused them to send a check to the wrong location and that made me responsible for whatever happened to the check, and it was up to me to investigate. Now I am paying off a {$6000.00} balance on two credit cards and neither company will do anything but point fingers at each other or at me. I really need an outside party to step in and help. This has been going on for over two months, I am forced to make duplicate payments on each balance and XXXX, XXXX, and First Tech are no longer willing to help.
|
| 01/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
In XXXX of XXXX I opened an account with XXXX XXXX XXXX XXXX in XXXX, WA after working with their marketing team at the XXXX XXXX XXXX Outdoor Movie event where I was a bartender. I kept my First Tech account up until XXXX of XXXX, including after moving to XXXX TN where they do not have branches. I was a cheerleader for the XXXX XXXX and referred many to them at events I worked that they sponsored and outside of these events. I switched my car insurance to them and kept it until I moved to TN where they are not licensed to provide auto coverage.
After realizing how difficult it was to have a credit union with no in person access, I decided I needed to bank with a location with branches in TN. I called First Tech customer care and let them know I in the process of switching and for the residual balance in my account I would be doing an online bill pay to myself to get my account near a zero balance. There was no mention of concern during this call and they said once it was at zero they could close the account over the phone and mail a check for the {$5.00} membership savings account balance.
I completed online banking withdraws to myself to get the account to this zero balance as I indicated but something went wrong with the posting of a credit card payment that did not reflect when I requested the checks. When I set up my account in XXXX I know I was very insistent that I declined all overdraft protection and did not opt into anything- wanted any overages declined.
The way First Tech sets up their bill pay is the deduct your account when the check payment date happens. This is different then other banks that deduct the money when the check is deposited by the recipient. First Tech knew issuing this check would overdraw my account and then charge a fee that I did not authorize and specifically said I did not opt into but they do not care.
I called customer service immediately when I found this out and the rep I spoke to on the first call was very uncaring, consending and provided many areas of inaccurate information. She told me that the checks I received ( paid to myself ) I could not redeposit back in to my account stating that I would be depositing a check that is already negative on the account that has no money. She did not understand how her own credit union bill payment system work and kept talking down to me to the point I was in tears. I asked for her manager and she said she was in a meeting but would call me when she was out. This phone call never occurred. I called back later in the evening and spoke to a gentleman who insured me his manager would call back that evening or by the next day at the latest- that call also never happened. At the end of the day today XX/XX/XXXX I tried calling again and was told that you can't talk to supervisors and you just have to wait till they have time to call you back.
I am trying to get the 2 {$33.00} overdraft fees refunded. I did not opt-in to overdrafts and the money never left the accounts of First Tech ( the paper check was issued to myself for bill pay but not cashed and ended up being redeposited directly back into the account the day the check was received and the day after the OD showed on my account. My account has never been overdrawn at any bank. When I inquired about the reversal I was told the computer said I am not edible. My account had over {$100000.00} balances while banking across different service lines with you for over 3 years and never had a single fee waiver or refund. How is it that you are clearly saying some people are more important then others? Why is First Tech ok with refusing to allow customers access to a manager and showing basic human compassion?
I don't know what to do, I am beyond stressed about this and it is now clear to my First Tech does not value members and is only in it for the money. Can someone please help me and actually listen to me, review my account and try to place them self in my situation?
|
| 04/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
Older American |
|
I've had an account with First Tech Credit Union ( FTCU ) for over 30 years, and have successfully established excellent credit and a track record of fully-paid car loans, consumer loans and a home equity line of credit.
On XX/XX/XXXX, I received a letter in the mail from FTCU informing me that my interest rate on our FTCU XXXX would be rising from 12.50 % to 13.75 % " due to a decline in my credit score ''.
This was my first awareness of any problem associated with my credit score, which typically has been rated as " excellent '' running in the average range score of XXXX to XXXX during the past ten years. My wife and I have very little consumer debt that is usually paid in full routinely. We own our home free and clear, have a stable income, with no mortgage, no car loans and no student loans. We own our home, autos and other assets, and we have over {$60000.00} in savings with FTCU.
I logged into the credit bureaus to inspect my report and found that a negative entry had been registered from a company called XXXX XXXX XXXX, a credit collection agency under contract with XXXX XXXX. We terminated our DISH account in XX/XX/XXXX prior to the last day of the billing cycle, turned in our leased equipment, paid our account in full, and switched to XXXX. A few weeks later, we began receiving bills in the mail for payment of {$100.00} for the month after we cancelled our service. Calls to DISH produced no positive outcome. We were not about to pay for a month of service that we never used, and so we did not pay. The matter went to collections.
We have learned that XXXX XXXX XXXX has a poor reputation of using high-pressure practices and tactics in violation of the Fair Debt Collection Practices Act ( FDCPA ) of 1978. XXXX uses robocalls, text messages and social media to badger and bully clients into paying debts.
When I discovered that my credit reports contained this negative entry from XXXX XXXX about my former DISH account, I immediately took action and succeeded in having the entry from XXXX removed from my credit report with all three of the major reporting agencies ( XXXX, XXXX and XXXX ). Checking my credit score was restored to its previous status of XXXX. In over fifteen years, I have had no blemish to my credit report, except for this one matter, which has now been resolved.
I contacted FTCU and spoke with a customer service representative this morning about this problem and their letter informing they would be raising my interest rates. I told them that the problem had been taken care of, but it didn't matter. I was told that account reviews occur only twice a year, and that the next one would be later this year ( XXXX or XXXX ). The rep added that " a lot of people were affected by their recent account review, and that there was nothing I could do about it except to reject or opt out. If I opt out, I am essentially terminating my credit card privileges and also those of my wife 's whose credit score was unaffected by all of this, but who would lose her credit card privileges if I were to reject or opt out.
Doing business with a financial institution for over 30 years used to mean something more than getting penalized the first chance a problem arises, and then having no say in the matter until they get around to it.
My complaint is that FTCU should have a procedure in place for contingencies like mine that can be reviewed and reconsidered if there is erroneous, infactual or different information that emerges to change the credit report ( s ) they use to determine interest rates for their card holders. As it stands, I stand to be charged a higher rate of interest for an issue that no longer appears on my credit report. It's no different that paying higher insurance rates for a speeding ticket that long disappeared from someone's driving record, and it is not fair.
|
| 08/29/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
First tech Federal Credit union erroneously took wrong amount of money from my checking account, when presented with a check that I wrote to a third party.
The check that I wrote has the correct amount ( have check image to prove this ).
The amount withdrawn from my account was incorrect ( exceeding correct amount by {$450.00} ).
The error went unnoticed for a considerable time. I discovered it approx two years later when researching another unrelated matter. I immediately requested a refund of the excess {$450.00} taken.
Initial telephone call to customer service on approx XX/XX/XXXX resulted in a flat refusal to correct the error. Subsequent attempts to escalate ( details below ) have been similarly refused.
The basic facts are not in dispute. Credit union admits that my check was written for the correct amount, and that they withdrew {$450.00} too much, in error. Nonetheless, they refuse to correct the error on the basis of the following two arguments : 1. That the error was made by a third party ( XXXX XXXX XXXX ) somehow involved in the processing of the check.
My banking relationship is only with First Tech, and so I contend they are responsible for the safe-keeping of my funds regardless of which institution they are currently blaming for the mistake. I have no connection or relationship with the third party bank, only First Tech does.
2. The second argument put forth by First Tech for refusing to correct the error is that it was not reported for a little over two years. ( Original error posted in XX/XX/XXXX, I discovered and reported it in XX/XX/XXXX ), and that Federal Reserve regulations forbid them from correcting such an error after a shorter time limit ( I think they said 60 days? ).
My response to this second argument is that while the Federal Reserve regulations may preclude them from " undoing '' the original mistake in the original ledger, there are no rules precluding them from doing the morally correct thing, which is to refund the {$450.00} of my money which they admit they took, unauthorized, from the funds that I have on deposit with them.
This is a serious breech of the trust I placed in the credit union.
If a financial institution can unilaterally help themselves to a client 's money, without authorization, and then refuse to correct the situation even while they admit to the facts of the situation, then how is anybody meant to trust financial institutions with the custody of their money?
Further attempts to escalate : 1. Escalated to customer service supervisor on XX/XX/XXXX ( XXXX XXXX, Asst Manager XXXX ).
Outcome : Same. First Tech acknowledges the error but refuses to correct it.
2. Escalated to Support Manager XXXX XXXX ( Member Experience Team ) on same day. Did not speak directly to him -- the customer service team handed off the package to him at my insistence.
Outcome : Received email response on XX/XX/XXXX from XXXX XXXX ( attached ). No change, still acknowledge the error and refuse to correct it.
This communication emphasizes that they are placing the blame for the error on a third part institution ( XXXX XXXX XXXX ). However, I had no dealings with this third party. I only dealt with First Tech, and expect them to take responsibility for my funds on deposit with them.
|
| 11/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I closed a CD account with XXXX Bank and deposit a $ XXXX check via XXXX XXXX ATM ( XXXX ) on XX/XX/XXXX into my First Tech Fed Credit Union ( XXXX XXXX checking account. On XX/XX/XXXX, XXXX revised the funds out of my checking account, left my account with a negative $ XXXX balance after I paid my property tax and other bills. I found out when my autopay mortgage was rejected and I called XXXX.
On my first call, they told XXXX rejected my check due to " account closed ''. I went to XXXX and they said they have nothing to do with it, I just used their ATM. the transaction is with XXXX.
I called XXXX, citing what I learned from XXXX, and they told me the check was rejected, I need to contact XXXX. I contacted XXXX, they said I get the check because my CD account is closed, the check is issued from their evolving account and thousands of their customer is using the same account, cashing the checks without any incidents. And according to their record, the check was never cashed. The check is a good check. XXXX Bank staff is so nice they are willing to conf call with XXXX, but XXXX refused any 3rd party on the phone as their policy.
Since I was - $ XXXX balance, it put me into a deep hole, I have to borrow money from my family to fill the debit and pay for all the ongoing bills that follow.
XXXX said they will look into the situation and someone would call me back on a business day. I did not receive any calls or any follow-up from XXXX at all to this day.
XXXX bank is so nice, they called and follow up with me around 3 days later, asking about the situation and willing to provide additional assistant within their power.
On around XX/XX/XXXX, I received the returned check, a copy of the check front and back. It said it is a legal check. There was the ATM stamped on the check on the deposit location, date, and my account info.
I took this same check to XXXX branch in XXXX, told the teller what happened, deposit the check into the same account.
Today is XX/XX/XXXX, I contacted XXXX Bank, they told me the check was cashed on XX/XX/XXXX.
I called XXXX to confirm the transaction is completed. They said they don't know, and there is a hold on my money til tomorrow for $ XXXX.
I requested XXXX to reverse the ATM adjustment fees, XXXX said they can not. I like to escalate to their management, they said they are reviewing it and put me on hold and the call got disconnected. XXXX did not call me back.
I called again an hour later, told them what happened, and they said they will submit a review and let me know. I asked for management and they said they will review and it is not something they can do over the phone.
The check is good, I deposited it into an ATM. Whatever went wrong with the transaction is not my mistake to my understanding. I lost $ XXXX in the process for over 3 weeks and XXXX penalized me for the transaction error.
I need help to find out what went wrong to the check and who should be responsible for the penalty fees. I also need XXXX to issue a letter to clear my late payment and repair my credit.
|
| 03/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
I purchased a new vehicle and was offered a platinum credit card with a $ XXXX limit as part of the package. At the time of the offer, my mid credit score was 725. I had no late payment history for over 5 years, no charge offs etc. My credit score was steadily rising. According to my calculations, by XX/XX/XXXX if I continued along the economic plan I pursued, my score should have been XXXX poss XXXX. Once I became a member of First Tech things began to immediately go wrong. # 1 the vehicle I used as a trade in was not paid off in a timely fashion causing my credit score to take a hit. The payoff came 3 months after we closed the deal but I was being told by First Tech that there must be some confusion on the part of my other credit union because they paid. They did not pay. As I used the card, I immediately paid off the charges usually not carrying a balance longer than a week to 14 days. Unknown to me as my usage increased so did my interest rate. It was approximately a year or so before I learned of the increase. I was upset because I had no late payments, I carried no balance, I had not overdrafts etc. This was approximately around XXXX. I attempted to negotiate a better rate but was unsuccessful. At this time I also began carrying a balance but again was keeping up successfully with the payments until the fees and the interest continued to increase. I was being charged unbelievable fees for cash advances and my payments were not being applied as I thought. I was told payments made for cash advances instead went to other charges that might have preceded the cash advance. I was also being charged repeatedly for the same cash advance month at an increased rate each time due the rising interest rate and the rising balance. I believe this has became predatory lending. My score has steadily fluctuated during this period which contributed to increasing rates and debt to income ratio according to First Tech. In XXXX I attempted to obtain a loan to get out of my credit card debt and auto loan with First Tech but was informed by my mother credit union that First Tech had not been reporting my auto loan or credit card history. This led to my file showing not enough credit history. First Tech has made me look like a credit risk. I now have a score according to the other credit union in the 500 's. I was recently denied a loan. First Tech reported a non-payment because the payment was short by {$18.00}. I have attempted several times to restructure the credit card debt. I have attempted to close the account. First Tech has been resistant. I even attempted to put it into forbearance but that was short lived. A search off my credit history will show this is the only account where I have issues. I have maintained a mix of credit and have paid off several loans while with them. They block my success with unfair fees, misleading credit entries, and rising rates. Why was by auto loan 4.55 % and my credit card 11 % when they both opened at the same time.
|
| 10/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I am trying to get assistance and resolution for non payment of an account bonus with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I submitted an application for a new checking account based on an offer XXXX XXXX was running for a {$300.00} bonus. The checking account needed to be opened using a promo code XXXX. During the application process, I received an error but the account was still opened per an email I received on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX regarding a question had on a different promotion related to the share/savings account, but also inquired about the promo code for the new checking account. The rep I spoke with advised that she saw I was enrolled and that I just needed to fulfill the requirements for the checking account each month which were XXXX. To be enrolled in e-statements, XXXX. Have a monthly XXXX deposit of {$1000.00} or more, and XXXX. Have at least XXXX debit transactions that totaled more than {$500.00}.
I proceeded to use my account and complete the activities necessary to qualify for the bonus. At the end of XX/XX/XXXX, I realized that I had still not received the bonus. I contacted XXXX XXXX on XX/XX/XXXX inquire about it. The rep I spoke with stated that she did not see the promo code added to my application or account, so she submitted case # XXXX to the marketing team to have it applied. She contacted me back the same day and advised the case had been approved, would be reviewed by their team to confirm the qualifications had been met, and that this process would take about XXXX weeks.
After XXXX weeks had passed, the bonus was still not showing in my account. I contacted XXXX XXXX again on XX/XX/XXXX. The rep I spoke with stated the bonus was denied because I did not meet the qualifications. After we discussed the dates and transactions on my account, the rep reviewed my account with the help of her XXXX and submitted another case # XXXX. On XX/XX/XXXX, I received a return call from her stating that the marketing team had denied the case because they said I did not meet the qualification for the XXXX of XXXX, specifically the transaction total, however this is not correct.
Based on my review of the account, My statement cycle in XXXX was from dates XXXX and when you look at my full transaction history, I have the required number of transactions, total debit card spend XXXX {$500.00} for said transactions as well as the necessary ACH deposits. The specific transaction that pushed my total debit card spend was made on XX/XX/XXXX, in the amount of {$520.00}. Per the rewards tracker portal that XXXX XXXX has, they are categorizing the transaction made on XX/XX/XXXX as part of the statement cycle dated XXXX, which is disqualifying the bonus. Page XXXX of my Full transactions statements file shows the transaction was dated XX/XX/XXXX. I have also included the rewards statements for dates XXXX & XXXX showing where the debit card totals are showing the incorrect sums.
|
| 04/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
I have made multiple attempts in the course of many years now to try and find a solution with the bank on my personal loan. The minimum payment is too high. And the bank time and time again refuses to discuss options or programs they have available. Emails to their CEO including upper level management personal have gone unanswered and to my assumption probably deleted unread. The bank is well aware of my difficulty with repayment. And instead of helping me as any other bank has they have instead killed my credit to the point I'm considering bankruptcy and other services to discharge this bill and end ties with the bank.
I have mentioned that I can and will only be paying a lower amount month on my loan. This is probably going to cause them to keep sending late payments to my credit and piling up fees on me. But at this point they can can do whatever they need to as they can't hurt my credit any more than it is. And if I mentioned that the lower amount is all I can pay, using force to get more will result in no additional payments as I'm literally giving everything I have in my possession to make a payment. I'm not refusing to pay. I'm making the payment I am simply not making the agreed upon payment because I can't do it anymore due to financial hardship.
Today, I've attempted again to get help. The bank asked me to fill out a refinance application which they knew their system would decline. Basically making a mockery of the situation and bullying me. This is a new level of unprofessionalism I've ever seen. And board-line harassment. I have every single email sent including all my attempts to work with the bank documented. I've made every attempt to pay back what I am responsible for as that's the focus of this compliant. I want to pay it. I just need help. The bank probably made back at this point the entire value of the loan in interest payments that they have been charging me. So the bank isn't at any lost to work with me. It would be a win for them as they make even more money out of me while in the process making sure to make my life XXXX for many years to come. They win, and I lose big.
Again, my complaints and escalations are all in attempts to secure a new agreement with the bank to be able to reduce my minimum so I can satisfy the enter amount. If the bank works with me and is able to reduce the amount then this compliant is satisfied. If the bank continues to play hardball I will continue to move forward with escalations and complaints until we can agree on something that works for everyone.
I'm not running away from trying make payments I'm just trying to instead make the payment without further harassment from the bank. I look forward in hearing from them.
|
| 03/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I had a checking, savings, & credit card account with First Tech FCU for over 10 yrs. My line of credit was XXXX and my payments of {$300.00} each month were in very good standing until I missed a payment for XXXX 2022. It was an oversight. I was having health issues during XXXX & XXXX of 2022, and I was admitted by emergency at the XXXX XXXX XXXX XXXX where I underwent extensive testing and treatment for 2-days.
I had been with that same bank branch location before it changed names a total of 3-times, ( over 20-yr 's ) I first opened my account at that branch when it was XXXX XXXX XXXX, XXXX XXXX XXXX changed to XXXX XXXX XXXX, and later became First Tech FCU.
My direct deposit from my employment went to First Tech FCU, my mortgage payments were automatically paid thru my checking account. The bank failed to make my mortgage payment for XX/XX/2022 because they closed my account without notice. My excellent payments with my mortgage were negatively affected as a result.
According to the Consumer Financial Protection Bureau, First Tech FCU violated the Fair Debt Collection Practices Act ( FDCPA ) when they garnished the entire amount of funds available in my checking account in the amount of {$4000.00}. without a court ordered judgement, & without proper notice.
ADDITIONAL DETAILS I could no longer access my bank statements when my account had been closed.
The bank was demanding full payment in an amount above the amount owed without reducing the unauthorized funds that First Tech FCU had garnished from my account. I did not agree to the demands and the banks agent wanted in the amount of {$650.00} a month ( previously {$300.00} a month ).
A debt collector, " XXXX XXXX " with XXXX, XXXX contacted me last month in XXXX by sending me a validation notice. I responded and disagreed with the incomplete & inaccurate details that he provided ( See Attached item 1 & 2 ) XXXX XXXX replied again 1-week ago, but this time he made false & slandering accusations. ( See attached, item 3 ) His words were very offensive, false, and contrary to the integrity of my credit file in excellent status.
I recently discovered that the entire 10 yrs. of my payment history with First Tech FCU is missing from my credit report ( not displayed ). ( See Attached, item 4 ).
I have always strived to maintain an excellent status with my financial responsibilities, & payments debts, accounts, and creditors. request that this creditor 's derogatory reporting not be considered as a negative reporting at this time against the integrity of my credit history on file because I am pursing legal action against First Tech FCU.
|
| 09/21/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage ( principle, interest, taxes, and insurance ) are through FirstTech Federal Credit Union. I purchased my house at XXXX XXXX XXXX XXXX and moved in on XX/XX/XXXX. In XX/XX/XXXX, I noticed my mortgage payment had increased by {$610.00} with no notice from FirstTech. Trying to get FirstTech to talk to me about this at first was laborious. FirstTech never sent me a notice that my escrow account was short and I was never offered an option to pay the shortage- instead FirstTech unilaterally increased my mortage. Further investigation discovered that FirstTech paid XXXX County Taxes even though on my closing statement from XXXX XXXXXXXX XXXX XXXX it showed that XXXX XXXXXXXX XXXX XXXX had held back taxes to be paid as part of my transaction due to when I purchased the house. This led to XXXX County refunding the taxes paid by XXXX XXXX XXXX XXXX which never made it back to me and into my FirstTech escrow account. I had to talk to XXXX County to find out this information and then provide it to FirstTech. FirstTech has not followed 12 CFR Part 1024. Due to this event and the lack of transparency by FirstTech I've had to take time out of work, had to go through a serious amount of stress wondering how there could be a $ XXXX dollar shortage that FirstTech did not say anything about for a year and never talk to me about. Additionally, I pulled {$9000.00} out of my XXXX XXXX XXXX retirement account because XXXX told me I was on the hook for the shortage ( when they screwed up ) and that will cost me $ XXXX due to the XXXX % interest that I'll now have to pay to cover the pull let alone the lost money from the investment. I was told by XXXX at FirstTech that FirstTech had XXXX obligation to inform me of the escrow shortage and provide options to make it right ( had it really been a shortage and not a mismanagement of funds by FirstTech ). After talking to XXXX XXXXXXXX XXXX XXXXXXXX, the representative XXXX provided me more customer service and help in 5 minutes than FirstTech has in nearly three weeks. The issue still remains that FirstTech paid the taxes and took money out of my escrow account in error and is now blaming XXXX XXXX. It even took me pushing XXXX to put the overcharge from XXXX back in my account- she wanted me to leave it there because " well you know you might have to pay a little more next year anyways so why not get ahead '' ... ... how would I know if I was ahead or not when FirstTech does not provide the required notices of any issue and does not audit their accounts properly to see problems that are a year old??!?!?!?!?
|
| 01/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
First Tech federal credit union Manager II : XXXX XXXX email : XXXX T : XXXX F : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Idaho XXXX XXXX XXXX On Monday XX/XX/XXXX I visited the local office and spoke with XXXX XXXX and XXXX XXXX about the fact that I had applied for PPP loans and ANY other program I am eligible for during the first run in XXXX of XXXX.
At that time I never received any follow-up about eligibility that month or the month of XXXX. This, even with 3 subsequent visits and repeat questions on the progress of my request to the tellers during that time. Upon pressing the issue in XXXX I was told the program had 'ended ' and they " ran out of funds ''. This, with no notice and no correction available. I left with a standing and clear request to correct this when the next plan becomes available.
I visited again on XX/XX/XXXX to get an update. Speaking with XXXX XXXX, I explained that I had not received a follow-up call yet and I wanted to get started before this new PPP program starts. Due to the missed opportunities of last year I also requested a follow-up call from XXXX if corporate was unable to respond.
XXXX assured me that I would get a follow-up call and that she would call If I did not.
I did not get a call from anyone.
On Monday the XXXX I Called corporate directly, spoke briefly with a man named XXXX, where I was subsequently " Phone Flushed '' ( hung up on ) during a transfer to " someone in that department ''.
Upon visiting XXXX XXXX again at the local branch that same day and insisting that I need a callback, I did get a call from a lady at corporate. In this call she used 2 excuses why I am not eligible for assistance : 1. I did not have a business account before XXXX of XXXX.
REPLY : I have been a member of this bank since XXXX and have had an active business account since XXXX. The lady from corporate acknowledged this.
I informed her that I have had membership before the bank transitioned from XXXX XXXX XXXX to XXXX XXXX and then to First Tech. Most of my accounts are grand fathered from past formats. I have been a member longer than most employees have been working at this branch.
2. My account was not the correct type of business account.
REPLY : refer to above.
Many times I have had pointed out that First Tech touts the number of businesses they helped with PPP loans.
XXXX XXXX IS eligible. My account has been active. I have good decades long standing loan activity with this bank. I have direct deposit accounts to 2 contract employees I brought to this bank and had start accounts of there own.
|
| 04/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX, My wife and I went to First Tech Fed. CU and signed forms to separate our joint accounts. I mentioned that my checking account was setup to pay my wifes credit card if she failed to pay and I wanted that to stop. I was assured by the person helping us that it would stop once the accounts were separate. My wifes credit card was issued by First Tech Fed CU.
XX/XX/XXXX ( Approximately ), I called First Tech Fed CU to complain about money being drafted from my checking account with no description of who made the draft. I told them that I believed it was going to my estranged wifes credit card with First Tech Fed CU. The person said that it was to pay a credit card but claimed he wasnt able to know what company it was with because the company didnt provide First Tech Fed CU with that information. He assured me it would not happen again.
XX/XX/XXXX, I called First Tech Fed CU to complain about money being drafted from my checking account with no description of who made the draft. I told them that I believed it was going to my estranged wifes credit card with First Tech Fed CU. I explained everything about what occurred in XX/XX/XXXX, and what occurred in XXXX ( see above ). She assured me that she would get answers and then never got back to me. I noticed several weeks latter that she had sent a message via the First Tech Fed CU message link located on their online banking page. She merely had responded as though it was an inquiry rather than a complaint and only said that it was a draft for a bank card.
XXXX XXXX Went to First Tech Fed CU and met with XXXX XXXX, a banking associate who took my complaint in person and elevated it to somewhere in the banking system. Then I began to receive emails from XXXX XXXX that included a XXXX XXXX. I looked at the document and in the block that shows the company that made the draft, it only says bank card. Also, it wanted me to agree to pay {$25.00} per transaction other than the latest one. I responded directly to XXXX and made the demand that First Tech Fed CU reveal who took the money and also that I want my money back. I have included a copy of my emails with her. There were nine transactions that I complained about and she sent a XXXX email for each one. Once I responded to her with a demand to know who took the money and that I wanted my money back, she has began to resend the nine Docusign emails on a daily basis as though I had ignored her request and has not responded directly to me or via the online banking message page
|
| 05/08/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
The week of XX/XX/XXXX I canceled a recurring series of payments scheduled to be paid on the XXXX of every month because I knew that I would not have enough money in my account until my paycheck was deposited on Friday XX/XX/XXXX. I thought that this would be sufficient time to cancel the payment as I have done this before without any issue. I verified that the payment was canceled and it was removed from my upcoming/scheduled payments listed in the online portal. No payment for XX/XX/XXXX was listed. I then scheduled an one time payment for XX/XX/XXXX to the same payee.
On XX/XX/XXXX, the payment was made anyway which resulted in my account becoming overdrawn and an NSF charge for " NSF/Returned Items Paid ''.
On XX/XX/XXXX, I noticed this and called the credit union for support, In addition to this payment I had another payment for the same payee scheduled to come out on XX/XX/XXXX. The credit union admitted fault, put a courtesy stop payment on the XX/XX/XXXX payment, and reversed the NSF fee as " Reversal : Reversed Paid Insufficient Fee Paid reversed 1 NSF fee of XXXX per CU error billpay '' Later on XX/XX/XXXX, two previously scheduled ACH transfers came out of my account. The credit union charged me two more NSF fees " NSF/Returned Items Paid ''.
On XX/XX/XXXX I contacted the credit union through online messaging and asked that they reverse the two additional NSF fees which were due to the same error they had already admitted fault on.
On XX/XX/XXXX, the credit union responded that they would not reverse the fees. I replied with additional information on the history of what happened.
On XX/XX/XXXX, the credit union responded that they did not see this as a credit union error. and advised me to call the credit union.
On XX/XX/XXXX, I called the credit union and explained the situation. The representative told me that they needed to send it to a manager to review and that they would call me back the same day. I did not receive a call back.
On XX/XX/XXXX, I called the credit union again and was transferred to a call center supervisor. The supervisor told me that he would not reverse the NSF fees because it was not a credit union error. I explained that the credit union had already previously admitted to the error and reversed the charges, but that these two additional charges posted later on the same day the first fee was reversed ( XX/XX/XXXX ). They are now saying this was not a credit union error, and refusing to reverse the additional two NSF fees
|
| 04/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
First Tech doesn't not care about it members or customers even though that what it claims on it website that " Our credit union always puts people first. '' I initiated a transfer from my external bank for {$350.00} on Tuesday XX/XX/21 at XXXX EST because that's what my current and available balance said I had in my account. Unbeknownst to me at the time, my actual balance was actually {$350.00} because they still had not updated my account to reflect the withdraw of the trial deposits from the bank I was transferring to. On my end, I already saw the withdraw line for the {$0.00} of trial deposits when I logged into my First Tech account so I assumed {$350.00} was my correct and accurate balance given that {$350.00} showed as my current and available balance. The next day I saw that my transfer had failed and they charged me {$33.00} for the failed transfer that was caused by the information on their online banking not reflecting the accurate balance. I called them severals times to see if they could reverse this fee, and they refused to reverse it, giving me fake empathy saying they understood how I felt but couldn't do anything. You can't do anything? You literally are the one setting the fee, not me. You understand how I feel? Are you a student struggling to just eat food everyday because of this pandemic? That {$33.00} represents a weeks worth of groceries for me, I bet you're not a starving student, are you? I bet you never been poor and food insecure yet First Tech claims to help their community and donates to all of these charities when they can't even help their members. First Tech sets these fees, and then try to claim that they charge these fees because their account don't charge a monthly fee, why do other banks and XXXX also not charge fees on their accounts but waive overdraft fees for the pandemic for struggling members and customers? First Tech only cares about profits, they wouldn't care if one of their members that suppose to be considered part of their community starves this week because of this {$33.00} fee, they only care about you if you're profitable to them. I'm not surprised, like the big banks, they see their customers as dollar signs and not real people that suffer. All I'm asking for is the {$33.00} reversed and they can't even do that even though this is the first time it's happening. I had to ask them to close my account as a result of this.
|
| 03/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
In XX/XX/2023, I applied for a {$5000.00} loan through a text message I received. I believe the company was called XXXX. Shortly after I applied I received a phone call from the company stating I was approved for the loan. The person I spoke with name was XXXX. Sounded professional seemed legit and he was asking who I banked with and asked basic questions ( name, address etc ) then XXXX asked me for my banking info. Thinking this loan and company was legit, I gave him my banking info. He asked how much was in my account. I had - {$89.00} in my account. He asked my credit score and told him XXXX and he said my score is to low but they will honor the loan. XXXX mentioned that once they contact the bank, there will be a hold on funds by my bank. He then asked if I had XXXX XXXX and had Bitcoin. I said yes and XXXX asked for my info and funds were being transfered from bank to cash app to Bitcoin repeatedly. While at the same time I was being told that I would be getting the loan. This all started on a Monday and by Thursday night I emailed my bank to say something didn't seem right and if they could check it out that Friday on the XXXX I was getting a social security XXXX check direct deposited and the check went through but then I was XXXX negative in my account and they took my social security check and then disabled my account I called that Friday and they said that since I was willing to get my bank account info to this company that I was responsible for paying back the money the money dropped from {$14000.00} down to roughly XXXX I didn't know I was getting scammed I thought this was all legit and now I got to pay it back to my bank I talked to the front department I talked to customer service and all they could tell me was you were held responsible and I asked why and they said because you were willing I then received a letter in the mail saying that I benefited from these transactions how could I benefit from these transactions when I was negative {$89.00} in the hole I did not come I didn't get the loan and now I'm XXXX in the hole how is this right my bank will not refund or reverse it I can't get into my bank accounts until they said my account is XXXX XXXX so my account is on hold disabled how am I supposed to take care of it when everything 's on hold or disabled I am not going to pay the negative amount this is craziness not very happy
|
| 10/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Older American |
|
I moved to XXXX from XXXX XXXX XXXX in XXXX and bought my condo in XX/XX/XXXX. I did not have furniture or furnishings.
The bank send an email that " because I was such a good customer '' they were raising my credit limit to {$30000.00}. They did not mention that they also doubled the interest rate.
I bought furniture and furnishings ( I was working making at least {$80000.00} per year and thought I could easily pay off this amount ).
I was laid off in XX/XX/XXXX. I was not able to find another job. I made an inventory of what I owed and expenses ( I consulted a credit counselor ).
I had XXXX credit cards besides this large one with about {$12000.00} altogether. The other XXXX credit cards had hardship programs where they lowered the interest rate and the payment. I have paid off all those credit cards.
I phoned the bank but they would not offer me any help. I owed interest of about {$500.00} a month. I paid the minimum payment ( almost {$600.00} ) and used the card only in an emergency.
I paid almost {$600.00} a month for XXXX years. I figure I paid as much as I had borrowed ( about {$37000.00} ).
I had gotten many calls offering to negotiate my debt but I did not do that - it seemed sort of dishonest- But after I figured I had paid {$37000.00} without making a dent in the debt, I did contract with one of them. They told me to stop paying on the credit card and they would negotiate the debt. I paid them {$400.00} a month instead.
They told me there would be a hit on my credit rating " for a couple of months. '' They forgot to tell me that they would not even negotiate until I had paid them at least XXXX of what I owed ( or about {$15000.00} ). That would take about 5 years.
I also learned that the negotiated debt would stay on my credit report for seven years. The debt from not paying the card has already lowered my credit score by about 200 points.
When I was working I worked for the same company as the XXXX XXXX XXXX. I had to take their required classes. One class was called " Predatory Lending. '' One of the scenarios looked sort of familiar. Basically it said they targeted old peopld ( I am XXXX now ) on fixed incomes and raised their credit limits a lot while also raising the interest rates, then refusing to let them out of the loan. I think what they did to me was predatory lending.
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
XX/XX/XXXX - XXXX charge on credit card XX/XX/XXXX - Statement closing date XX/XX/XXXX - Statement due data XX/XX/XXXX - Next statement closing date XX/XX/XXXX - Next statement due date XX/XX/XXXX - First tech calls me to indicate late payment past 30 days due already reported on my credit report, I immediately pay the card and close the account XX/XX/XXXX - First tech reports first 30 day delinquency XX/XX/XXXX - First tech reports second 30 day delinquency XX/XX/XXXX - Lender hard inquiry XX/XX/XXXX - Visit branch in person to resolve with First tech, I am told that this is not an error and to call the generic customer service hotline. I call customer service hotline and they reach out to same department that branch member talked to and give me the same incorrect information. I request to speak to someone in the credit department but they refuse so I speak with a manager. The manager assures me that this second 30 day does not make sense and they say they will speak to the credit department themselves and call me back the next day. I then talk to another customer service representative and get the exact same story.
XX/XX/XXXX - First tech calls me back and tells me that they will take up to 30 days to look into meanwhile my window for correcting the XX/XX/XXXX hard inquiry is expiring on XX/XX/XXXX so it is likely that my credit will suffer an addition drop due to another hard inquiry after this matter is resolved.
From the timeline above, it is clear that the second 30 day delinquency was filed in error by First Tech. This was reported to only XXXX and not the other 2 credit bureaus so it was clearly an error. Also, based on the fact that the account was fully paid off ( AND CLOSED ) on XX/XX/XXXX, there is no way that a 30 day delinquency should have been reported on XX/XX/XXXX. First tech has refused to take responsibility and simply provide a letter stating that this is an error to avoid further damages to my credit. As a result, I will have to pay extra points to reduce in interest rate to a level that is still higher than if this error was not present, or refinance after the error is corrected. As a result I will suffer thousands of dollars of damage that could have been avoided if first tech was competent enough to recognize and resolve their error the first time they were made aware.
|
| 12/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I spent the afternoon managing my fairly new checking account with First Tech FCU. This included depositing checks through mobile app, attaching other financial products through ACH such as XXXX, etc. While at dinner that night, I got an email from an address called XXXX that read : " Due to deposit and/or withdrawal activity that has been deemed suspicious or fraudulent, your account ( s ) and all access including, but not limited to : online banking, shared branching, ATM/Debit card, P2P, etc. have been suspended. At this time your account activity is being reviewed by the Fraud Management department and account access will not be re-established.
The final determination on your account ( s ) will be communicated, via letter, at the conclusion of our investigation which can take up to sixty ( 60 ) days to complete. Do not contact the Call Center or attempt to reach First Tech by other means, as no updates will be provided until the conclusion of our investigation. Please keep in mind that if there is any activity that results in a negative balance, your account ( s ) would be forwarded to our Collections department in XXXX XXXX XXXXt for further follow up.
Please do not reply to this message. Replies to this message are routed to an unmonitored mailbox and/or deemed undeliverable.
Fraud Management First Tech Federal Credit Union '' It has been three weeks, and I've contacted the Credit Union multiple times with zero answers just as the email has said. My direct deposit won't go into that account anymore. My credit cards and rent can not be paid using that checking account anymore.
It is absurd that First Tech does not allow their Fraud Management department to be reached by consumers, as nearly every other financial institution will call you immediately to discuss anything suspicious or fraudulent in a heartbeat and resolve the situation fast. This policy is very anti-consumer, and can lead to financial disasters like what I'm experiencing now. While I have a little bit of money in another checking account with a different institution, the majority of my money is in First Tech. They are holding my money hostage with zero explanation and I need it to pay my bills and live my life!
|
| 10/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American, Servicemember |
|
XXXX/22- bank acct was hacked via pH call via XXXX XXXX
XXXX22- fraud div. At bank immediately notified that I had been hacked. They locked down my accts.
XXXX/XXXX/22 local police were called to notify them of scam/hack. They took pics of emails/invoice XXXX rec 'd regarding the purchase/hack.
XXXX/22- bank would not speak with me til I got a new pH/number.
XXXX/XXXX/22 traveled to local bank branch and chgd all my accts, passwords, XXXX and contact info. Was told 10 days to recover money or given a provisional credit. Told at that time Hack was a total take over of my acct and that {$980.00} had been taken out of ckg and that hackers had transferred {$2000.00} out of my savings to ckg but had not taken anything but the {$980.00} when I had called bank and notified them.
XXXX22- called bank about {$980.00} was told that XXXX depts working on it at that pt and neither one was doing anything. Complaint was sent to bill pymt unit for cometion. Also I was told that money had been sent to Bank XXXX XXXX and that there was an email of XXXX. original # I called that strated this was XXXX. Person I spoke with was XXXX ( male, XXXX decent ).
XXXX22- ph 'd bank about any progress XXXX22- contacted bank again and was told my 10 day resolution had started over on the 22nd and that bank had til XX/XX/22 to give a response and they also said that holding out hope of getting money back was slim.
XXXX22- ph 'd bank again. Left msgs with XXXX, ID branch and main branch in XXXX, XXXX. No response.
XXXX22-. Rec 'd msg from bank that they were not returning my money and suggested I call the person I sent the money to and ask them to give it back. Returned msg stating this was not going to happen I didn't know the person and didn't want them having new info on me.
XXXX22- spoke with fraud unit 2 x. They said they weren't aware of bill pymt ctr decision and would look into further. Fraud unit called me back some 3 hrs later and told me that I was at fault and I would have to XXXX up the loss. Told them I had no idea who took my money nor had I authorized the transfer nor did I have a XXXX acct. At a loss as to how to recover stolen money from my ckg acct.
|
| 11/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX 's online banking system has flaws in its design on how to handle the XXXX account- if the principle balance is zero, the account summary page will simply show balance as {$0.00}, even there is some payment dues such as annual account fee or accrued interests on the account. Those payment dues only show up if customer purposely click the 'Pay ' button at the account. This is a very bad system design and failed to inform customers properly and timely. Why would a customer click 'Pay ' button on account balance as ZERO in first place?!
This flaw in their system caused me late payments on annual fees and accrued interests in my XXXX account back in 2018 XXXX, XXXX, and XXXX, each time it was a {$5.00} payment dues, I did pay it immediately upon I got the notification from XXXX XXXX in other ways ( letter, phone call ). But still, XXXX XXXX reported these as late payments to credit bureaus, which adversely damage my credit scores and darken my financial futures. I have never missed any mortgage payments and XXXX principle / interests payments with XXXX XXXX, but only these XXXX occurrences which were mainly caused by their banking system 's flaw failed to serve their customers.
I asked them to fix the errors on my credit reporting, and ask them to improve their banking system to better/ transparently serve their customers. Their responses insisted that this was customer 's fault and they reported to credit bureaus correctly, which I totally disagree. As a matter of fact, XXXX XXXX changed their process a little bit after 2018, and will never charge interests on annual fee payment anymore, but still, their online banking system not showing any balance of those hidden payment dues at the account summary page, unless customer click 'Pay ' button, which is very misleading as usual, image why would customer click 'Pay ' button if they see the account balance shown is {$0.00}?
I want to raise my concern to CFPB, so that the government agency can push them correct their system design, and fix the credit reporting they did to their customers which were truly caused by their banking system 's design failed their fiduciary mandate.
|
| 06/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
Hello. I received credit card offer from First Tech credit union to open Choice Rewards Mastercard. This card goes with XXXX XXXX intro APR for balance transfers for 12 billing cycles from the date of 1st transfer. I've opened the card, used it for purchases for {$3100.00} and also made a balance transfer of {$32000.00}. Before 1st statement issued on XXXX I've made payment of {$1000.00} on XX/XX/XXXX. I paid {$2100.00} which should cover all remaining purchases on XX/XX/XXXX. However in new credit card statement there was an interest of XXXX XXXX applied to not paid purchases of {$990.00}. Interest amount is {$7.00}. The credit union split my 1st payment of {$1000.00} and directed most of it to balance transfer amount of and small part of it to purchases, so {$990.00} remained uncovered. I was told by bank that because my 1st payment was done before statement, it was split and my next payment of {$2100.00} goes only to purchases. It is illegal because according to Credit Card Act of XXXX all payments should go to balances with higher APR, that is to purchases and not to balance transfer with APR XXXX XXXX Below is answer of bank representative at chat : " The {$2100.00} payment on XX/XX/XXXX went completely to the merchandise balance. The previous payment of {$1000.00} on XX/XX/XXXX was divided with {$32.00} going towards merchandise and {$990.00} towards the balance transfer. The {$1000.00} payment was made before the statement cycled and got distributed with the age of the transactions. '' I requested fee cancellation and directing all my payments towards purchases but have not got any answer online nor from city branch. My requests were ignored. I made 3d payment of {$1600.00} to cover fee, minimum payment and remaining purchases, but credit union again split this amount according to XXXX statement and applied XXXX XXXX interest to {$540.00} of purchases ( {$4.00} XXXX. So it was absolutely incorrect information that they split payment only one time before 1st statement was issued. And bank again failed to comply with Credit Card Act XXXX.
|
| 12/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
First Tech Federal Credit Union based in Oregon is intentionally abusing my credit account. I had three loans with them : 1 ). XXXX XXXX XXXX Auto Loan. 2 ). XXXX XXXX XXXX Auto Loan and 3 ). Credit card.
I paid off item # 1 with no problem and received the title.
For item # 3, the credit card : After getting laid off from XXXX in XXXX, I had difficulty with the credit card payment and interest. I was able to make large payments but they kept collecting interest at over 28 %. Finally, it became late and they " charged off the account. '' They are reporting me " late '' for this account as of XX/XX/XXXX, and this " late '' account is for 30 days past due in XXXX!
This account is in charge off but they are reporting me late.
Item # 2, the XXXX XXXX XXXX was paid off this year but they are reporting that I owe a balance. According to my monitoring program, " XXXX XXXX '' by XXXX XXXX, they are not reporting me current either. I have filed corrections with the bureaus and the problem still persists.
Furthermore, First Tech Federal has not released the title for the XXXX XXXX. In sum, they are reporting the wrong balance and not reporting I paid off this loan. They are also not releasing my title.
Overall, they have been very difficult to work with. I've sent emails to the CEO and nothing happened. Regarding the credit card, the last " program '' they offered me was to make payments. I agreed but they LOCKED me out of my account and turned off my debit card ( I used this at a co-op credit union to made payment deposits ). Their action required me to go to their branch miles away to make the payment in person. I did this for the XXXX XXXX and paid it off, as mentioned. First Tech Federal is abusing my credit report and me and keeping my credit score artificially lower due to their lack of reporting. One last thing, they always reported me " late '' on my XXXX XXXX each month ( when I was late ). This is proof that they know how to report monthly and this is not an oversight on their part but intentional.
|
| 12/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
I deposited a {$2300.00} paper payroll check from my employer ( the same employer who direct deposits into my account twice a month ) using First Tech Federal Credit Union 's mobile banking app on XXXX XX/XX/XXXX. The check was placed on a two day hold with part of the funds being released right away and {$1800.00} being placed on the hold. The funds were on hold through the following XXXX XX/XX/XXXX and a representative did confirm they would be released into my account XXXX XX/XX/XXXX at XXXX XXXX Six hours prior to the release of the funds, four transactions came through my account for {$31.00}, {$49.00}, {$80.00}, and {$89.00}. For each transaction, I was charged a {$33.00} overdraft fee for a total of {$130.00}. This happened six hours prior to my funds being released and while the funds were on hold and visible in my account balance. The representative offered to refund one fee because " that is all he was authorized '' and " this is just how credit unions do business. '' He also proceeded to interrupt me and tell me that " XXXX XXXX XXXX does this too. '' I am obviously upset at what appears to be a fairly typical practice in the banking and credit union industry. Over the course of XXXX ( during the hardest part of the pandemic ) and XXXX, First Tech Federal Credit Union has charged me over {$2000.00} in overdraft fees, some the same day my paycheck was deposited because of the banking industry practice of entering all debits first and then processing deposits. This is completely unfair. The banking industry, including more " customer friendly '' credit unions make their money off the backs of people who are in the most vulnerable positions. Accepted practices in this industry are appalling and unchecked because " that is how it is done. '' First Tech FCU, I have never asked for a dime back in my $ XXXX overdraft fees you collected over the past year, but today I am asking for all four of these overdraft fees that were taken while my funds were on hold and six hours from release.
|
| 01/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with FIRST TECH CREDIT UNION which is a violation of Equal Credit Opportunity Act. My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since 1933. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. FIRST TECH CREDIT UNION became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or XXXX in prison for any. You have committed theft by deception and embezzlement both federal crimes.
|
| 02/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX sent me a notice date XX/XX/2023 for a debt I owe to first technology credit union. they attempted to do this first around XXXX of 2023 as well. Around that same time, I found out they they have negative reviews and people have a hard time communicating with them to get any help from them. So that is when i called them and left multiple voicemails and emails telling them not to contact me. I believe i also reported them to the nc doj. Here is is almost a year later, and they are sending me another lawsuit letter. this time something about default judgement entry or something. something about me not being incompetent or incapable, i guess of not being able to pay the debt. I get XXXX and XXXX benefits. i have no wages for them to garner, nor do i have any money for them to go after and take that are eligible for that if they bring a judgement against me. here is the deal : i am a XXXX veteran. i spend time, lots of time at the XXXX due to numerous XXXX XXXX and medical problems. i am on so many medications that i can barely function on a daily basis. so no, i did not respond to their summons they sent me about a year ago. i could not and was not able to. I thought i made that clear to them in voicemails and emails i sent them around that time. I had to go out of my way today and a couple of days ago to call their company to see if i could get this settled. i left two voicemails for two different people and an email and i have not received a response yet. i also have an attorney trying to work with them to get this matter cleared. i do not have time for this. if they want to settle this debt, i am more than happy to. but at least be professional and return my calls and emails. and dont assume you know my situation as a veteran with all these health issues and spending time at the XXXX and in the XXXX XXXX ward and going to my many XXXX appointments that take precedence over going to your summons and responding to it.
|
| 02/25/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I have been out of a job since XXXX XXXX for medical reasons.My credit cards and car payment were over due by 3 months. I have my only checking account with First Tech and also a credit card and car loan where I have been a member for 20 years. I called the auto loan department on XX/XX/XXXX ( roughly {$3200.00} ) to ask for an extension so my car wouldn't be repossessed. I just started a new job on XX/XX/XXXX and it includes me driving around for business to business sales. I have direct deposit and was in communication to make payments with my direct deposit ( {$1000.00} ). They froze my accounts so I called again on XX/XX/XXXX. The woman was very rude and told me that the only way I can get my direct deposit was to have my job send my direct deposit to my savings account and she gave me the wrong account number. I got a loan from a friend and also sold my things and took work off to get this handled. So I had to take work off and brought a cashiers check ( {$4000.00} ) into the bank on XX/XX/XXXX. They could not unfreeze my accounts or give me any of my funds ( direct deposit or from the cashiers check ). They couldn't help me that day but said they were working on it. They did let me know that I would have to pay an extra {$340.00} for the investigator they hired to find my car even though I should have been current with the cashiers check. Since then I have gone into the bank on XX/XX/XXXX and twice on XX/XX/XXXX with still nothing resolved or access to ANY money. This seems wrong to withhold money from me considering I have been returning cans to put gas in my car and have been relying on friends for food. I am also a victim of XXXX XXXX and have been diligent on getting my life back.
Now my other credit cards are even more overdue even though I should be current and have money to not have them charged off. I also have not been able to receive the funds from my go fund me page or my tax return I should have gotten by now.
|
| 09/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
In XX/XX/XXXX my husband and I refinanced our home mortgage with First Tech Federal Credit Union. We were waiting for our new loan statement in order to start payment, however we never received any mortgage statement for our new loan, but in XXXX, we got notice that we were late on our mortgage, and once we were able to get information about where and how to pay our new mortgage, we did so immediately. This was all news to us, as we had just thought that we would start our new payments in XXXX, since we were told you typically miss one months payment when you refinance.
After this incident, First Tech Credit Union, reported us to the credit bureau for the delinquency and would not remove the delinquency even after multiple attempts and calls to do so.
Fast forward to XX/XX/XXXX. We sold our house in XXXX and moved back to XXXX XXXX, XXXX. In XXXX of XXXX we tried to apply for a loan to buy a home and we were informed that our credit report said we are delinquent AGAIN for payment in XX/XX/XXXX! First Tech Credit Union reported us for late payment, even though our mortgage was paid off! My husband and I called multiple times and First Tech member services admitted that it was an internal mistake and they can see that we paid off our mortgage in XXXX, and they are not sure why it was reported delinquent! They expressed that they informed the right department, but every time we call, we are given the run around and no one is taking responsibility for this issue!
Due to the negligence and internal mistakes of First Tech Federal Credit Union, my husband and I and our XXXX young children are unable to buy a home, and are even having trouble renting. We are highly educated, make great money, and we work very hard. We have been home owners for years, and now, due to these errors on the part of First Tech, we are unable to secure housing! I will continue to slam First Tech Federal Credit Union.
|
| 01/23/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Approximately 18 months ago I requested that First Technology Federal Credit Union link my savings or checking account to my son 's First Technology Federal Credit Union checking account so that I could make an emergency transfer to his account. First Tech informed me that they could not set this up without my son being present at the branch. He lives out of state, so it was not possible and I did not pursue it further.
On XX/XX/XXXX, I set up a transfer from my First Technology Credit Union savings account to a joint checking account I share with my husband. The amount was {$2100.00}. For this transaction, I downloaded and installed the mobile app and proceeded with the transfer to the joint account.
When the funds did not appear in the joint account, we realized that the funds had been transferred to a First Technology Federal Credit Union account that we were unfamiliar with.
Upon calling the bank, they informed me that the transfer had gone to my son 's First Technology Credit Union account. I likely accidentally selected the wrong account probably because it was at the top of the list in the mobile app. I'm not completely certain. The account was linked to mine even though we had not gone through the steps to connect them.
First Technology Federal Credit Union refused to pull back the funds from my son 's account. They told me the only way to do this would be for my son to go in person to a credit union associated with First Tech, give them the account number the funds should have been transferred to so they can transfer them back, or else to get a cashier 's check and mail it to me. My son lives in another state, is mentally ill, and does not have transportation to get to the credit union. After explaining all of this, they then proceeded to try and sell me on opening up a low interest loan or credit line as I am a premium customer. This just doesn't seem right.
|
| 02/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On Friday XXXX I went to close all my accounts because I do not believe my online banking was ever fixed when the {$250.00} fraud charge happened in XX/XX/XXXX and then I was supposed to get a credit on the XXXX well that did not happen. I got a statement saying I got one and it did not show on my online banking but it showed on their end. SO I left the XXXX in the account unwilling to pay the fraud charge and waiting for it to be adjusted in my online banking. We had many emails about why it was not showing up and what was the issue and they said they weren't sure but they were working on it and when it was finally added on XX/XX/XXXX for XX/XX/XXXX it did not reduce the amount I owed at allSo i said the hell with this and paid the money and closed ALL my accounts BUT for some GOD known reason the assistant manager DID NOT CLOSE my online banking. WHY she did not do this I do not know So on Tuesday my mom who took over the account that had her checking in it not my stuff and became sole owner of it ended up getting a call that there were 2 transactions from my online banking account trying to wire transfer money to some guy we don't even know for XXXX and XXXX. Not only that I had 2 other banks attached to this account because I would transfer money in to help pay XXXX credit card bill and they tried to wire transfer in XXXX money I dont have in an account. All because they did not close or shut down online banking the Friday before. Yes this could of happened if I kept the account but I was closing it because I did not feel safe keeping it and went in closing it and wanted it closed immediately ALL of it. Now I had to file a police report call my banks closed multiple accounts set up new ones as well as change every single one of my auto payments associated with my cards because you guys failed to do your job and close my online banking when I closed my accounts
|
| 06/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone in XXXX Texas stole my identity.I was born in XXXX. Live in XXXX XXXX, 25min drive from where I was born. This guy came back to XXXX Texas? After 31 years this guy comes back and has 5 different addresses? He has 2 different addresses in one credit bureau. One address is for a business, a parking lot, an apartment, a house. I provided all my info, the only one on my side is XXXX, the other two have still have his info. According to them he has everything From Social Security Card, Birth Cert, State ID, and passport. I have XXXX XXXX, XXXX on my side saying that individual is lying. XXXX refuse to give him a credit card twice due to the information he provided to them was inaccurate. The only one who took the bate was First Tech Federal Credit Union. He has a car loan and a credit card with them. After 5 months Im stuck. I did freeze my credit. Thats the only positive thing I have so far. I have no idea what else to do. Yesterday I went to social security administration and they gave me the same info i been doing for 5 months and nothing else. My friend in the NYPD and FBI have told me the same. " These GUYS, use multiple addresses and go fishing to different banks or businesses they can open a credit card, they have everything from Social to passport and even hire people to pass them as a relatives. We have thousands crossing the border. They pay {$5000.00} to {$7000.00} dollars to cross them at the border. They have bank account numbers written in their cloths. If they can pay XXXX to cross them over, they do have {$2000.00} to buy your info in the dark web. '' XXXX did a check on the emails, phone number and so on. It came out in the report my email was in the dark web. Same email I use to send personal information to the companies I work for ... ..Its been a long 5 months ... ... ... Please help!
|
| 08/25/2021 |
No |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I called XXXX on XXXX at apx XXXX XXXX about from a customer service number I XXXX to deal with a customer dispute for a refund. In order to get this " refund '', said person then had me download XXXX XXXX and for 1.5 hours and asked oh do you have XXXX XXXX or XXXX. He tried XXXX XXXX first, I didn't have it set up, then he had me go to my bank account ( First Tech Credit Union ) and XXXX him the apparent amount of the dress which I did twice, plus another {$27.00} for a total of {$490.00} in three different transactions. He had it go to a XXXX XXXX XXXX. He said I would get the money back tomorrow, and he would call back.
1. It was a fake website on XXXX with customer support for XXXX XXXX. The guy had me download the XXXX XXXX '' app on my phone so he could see everything 3. I asked for a reference number for the case and his name- XXXX XXXX XXXX I lost a total of XXXX in three XXXX transactions which I reported to my bank.
At one point we got disconnected and he called me back from this number XXXX. I am looking at my phone records and the 1 hr and 2 min call XXXX ( a now disconnected wireless number ). I am unsure what the number was from the XXXX page, but this is the one registered on my phone.
The whole time, I kept saying I think I am getting scammed. Why would XXXX be so primitive to download an app and have me access my accounts and XXXX money for a refund?
On XXXX at XXXX XXXX as he said he would he call me again wanting to log onto the app to " ensure the refund '' was there. I had been checking and no said refund has come through. I then told him I had reported the issue to XXXX for spoofing, to my First Tech bank where I had to change all my passwords. His anger intensified and he terminated the call.
I was told to report to law enforcement, so I am following with this report.
|
| 04/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
- On XXXX XX/XX/XXXX upon reviewing the transaction fee charges ( {$5.00} per incoming international wire ) for Wire Transfer at First Tech Federal Credit Union ( my XXXX XXXX ) I initiated my inquiry with Bank in XXXX ( XXXX XXXX ).
XXXX XXXX XXXX - XXXX XXXX confirmed their side of fees in XXXX ( XXXX Rupees ) and since fees that were disclosed to me appeared reasonable, I initiated 4 wire transfers ( two for {$25000.00} and two for {$12000.00} each ) on XX/XX/XXXX.
- On 18th afternoon pacific time I received the 4 incoming Wire Transfers in my FTCU account, however each transfer was deducted by {$30.00} plus additional charge of {$5.00} each was debited from my account.
- I called my sender bank and inquired about the discrepancy in the amount received, they shared an output of XXXX transfer, which clearly outlined the dollar amount, {$25000.00} twice and {$12000.00} twice.
- The XXXX message showed that the XXXX code for First Tech is managed by XXXX XXXX XXXX XXXX XXXX
- I called FTCU on XX/XX/XXXX and they confirmed that they utilize XXXX XXXX bank as their XXXX XXXX XXXX XXXX in XXXX system and {$30.00} each was indeed deducted by XXXX XXXX for their services.
- FTCU shared a fine print thereafter which stated Correspondent or XXXX XXXX may charge additional fees. All the while clearly knowing that it is their XXXX XXXX XXXX who charges exact {$30.00} per transaction.
- My requests to refund {$120.00} charged by FTCU in addition to {$5.00} each have been denied by FTCU on XX/XX/XXXX, even though the agent that I spoke to over phone or reached via secure message agreed that their Website doesnt disclose or clearly mentioned {$30.00} per transaction fees for each and every incoming International Wire Transfer.
Submitted for your review and remedy here!
Regards
|
| 12/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Hello, On XX/XX/XXXX my car was repossessed because of the lack of payment. Several times did I try and get assistance for hardship and refinance however they did not approve me to do so and I stopped being able to make my payments back around XXXX.
Again my car was taken on the XXXX. I was able to get my parents to make my past due payment and the repo fees on Friday XX/XX/2021. I was told that it would take 1-2 business days for the release paperwork to process. It is now XXXX and I still dont have access to my vehicle. I paid First Tech in the amount of XXXX. The lot attendant that they choose to work with closes daily at XXXX. First Tech special assets dept is 3 hours behind so when they are opening the lot is closing. I expressed that I needed a vehicle to get around in during the holidays and asking for what step in the process am I in so I know what is taking so long. The agent XXXX XXXX ( XXXX ) was very rude and condescending saying things like I should have taken care of this before, I wouldn't be in the situation etc. I am going through a divorce and experiencing financial hardship. I dont need to be reminded of what I should have done. I want to get my vehicle because I paid my portion of the balance and now they need to do their job. From the beginning XXXX never let me know it would take as much time as it does. The lot will be closed on Thursday and Friday this week. That means after today, I wont be able to get my car back to at least Monday. The dept keeps speaking of I have to wait on the process. I asked what the process is and what part I am in and XXXX couldnt give me a straight answer. This bank has been horrible to work with. I take ownership for my XXXX and not being able to pay and communicate when I did but I am trying to be deligent so that this doesnt happen again.
|
| 11/29/2022 |
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
|
|
Web |
|
|
First Tech Federal Credit Union is engaging in predatory lending practices through deceptive marketing. On XX/XX/XXXX, I was sent an email ( attached ) offering a 0 % XXXX for balance transfers for 12 months and a second promotion offering XXXX bonus rewards points if I made {$3000.00} in purchases on the card in the first XXXX months.
I called their support number to ensure by making purchases for the second promotion any payments I made would go first to purchases to avoid accruing interest before the 0 % balance. The representative assured me this was the case.
I transferred {$15000.00} on XX/XX/XXXX and began making purchases. Despite paying thousands of dollars above the minimum payment each month, I have now been charged interest on purchases on my XXXX, XXXX, and XXXX statements.
After repeated phone calls and emails, the XXXX XXXX XXXX XXXX shared the account opening disclosure, which includes a " How to Avoid Paying Interest on Purchases. section '' It reads : " To avoid interest on purchases after you transfer a balance, you must pay your entire balance, including any balances you transfer under in the introductory XXXX, purchases or cash advances, in full by the end of your current cycle. '' In effect, they are marketing two conflicting promotions. The first ensnares the borrower to transfer a large balance at 0 % interest and the second entices the borrower to make purchases which allows the entire balance to be subject to a much higher XXXX.
I believe this practice, combined with the marketing emails, are predatory. I have made a complaint ( # XXXX ) with First Tech Federal Credit Union and they have agreed to reverse my interest charges and revisit their policies.
I believe this joint promotion should immediately be discontinued.
XXXX XXXX
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have taken auto-loan from firsttech credit union in XX/XX/XXXX. I had auto-pay set to my Auto-loan account since XX/XX/XXXX. While auto-pay worked for a year, it failed for the month of XXXX XXXX. The reason being my first tech savings account ran out of money. I was not notified by the firsttech for any auto transfer failure or payment missed in my loan account for 3 months. After 3 months i learned about this when my credit score dropped by XXXX pts and then mail came from firsttech at the same time that i have been missing payment from 3 months. I emailed to Firsttech on XX/XX/XXXX that i had not received any communication about missed payment or late fee until 3 months. At the same time I pre-payed my auto-loan to reduce the balance loan as well as paid the account balance to make it current. On XX/XX/XXXX the auto-pay also started going to the loan account for remaining balance. The auto loan account status was current by XXXX XXXX.
In response to my complaint Firsttech sent email on XX/XX/XXXX that they filed a dispute and i should get report in 30 days. I later got a letter that they can not revert the late payment from my account. On XXXX despite the loan account being current my credit score dropped again by XXXX in XXXX report stating Auto-loan account is 30 day late and Auto-loan balance increased despite of me pre-paying the principal. I contacted Firsttech by phone to report the same to which they told i should contact the credit union. I filed dispute to XXXX via XXXX XXXX account as well. I don't know which institution XXXX or Firsttech are wrong but despite my compliant to firsttech and dispute via XXXX XXXX wrong reporting is done. Both XXXX and Firsttech should be in sync about the current state of my auto-loan account.
|
| 01/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Opened a checking account with First Tech Federal Credit Union around XX/XX/XXXX with a referral from a friend. Terms state to deposit at least {$250.00} and keep at least {$250.00} in that account for 30 days and that there would be an applied credit of {$100.00} for doing so applied to the account. I met those terms early and expected the {$100.00} in 30 days as advertised. On XX/XX/XXXX, I still hadn't received the {$100.00} new account bonus, so I messaged the Credit Union. They replied back that they needed the name and email or phone number of the person who referred me.
This extra step of verifying the referring person was never disclosed at the time of signup and the unique referral website entered for signup was something this Credit Union generated, so this seems disingenuous on their end as they would be able to link the promotion based on that alone. This is a bait and switch tactic that was never disclosed. Changing the rules without informing the other party is not good and leads to concerns of trickery and deception.
Even though the terms were met to the letter, the bonus didn't appear in my account until XX/XX/XXXX ; close to 2 weeks after initial contact about this concern. This is concerning as well as the delay meant I had to contact a few more times to inquire about the processing of the bonus two more times. Not good.
As I thought this was an easy banking bonus, I also had referred a close family member and once again they had to go through the same process to get a bonus that appeared on the promotional page to be a whole lot easier to get.
I have researched this Credit Union bonus online and it appears they have been doing this to many other new accounts in the last few months, so none of this is a one off.
|
| 06/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
XX/XX/2022 This complaint comes to your attention due to the unfair business practices of First Tech Federal Credit Union ( XXXX, Or ) https : XXXX. I previously had a good-standing business relationship and held XXXX ( XXXX ) accounts with this financial institution until recently in XX/XX/2022 when I began to fall behind on a credit card issued by the bank.
My Complaint : Due to missed payments on my credit card account on XX/XX/2022 First Tech withdrew {$510.00} from my personal checking account ( without consent ) which overdrew my account $ XXXX. I then requested them to close the credit card along with my personal checking, saving, business checking, and business savings accounts. However, because my payroll was about to deposit, they could not close my personal checking and saving account until after it posted. On XX/XX/XXXX I went into a shared branch location and was able to withdraw my payroll.
As retribution First Tech disabled my online banking to prevent me from seeing any activity or download any banking statements. In addition, to freezing my personal checking/saving accounts preventing me from transferring or withdraw my funds. My concern is that I can not withdraw recently deposited 401K funds ( {$2000.00} ) in my savings account that I have paid taxes on and First Tech is holding these funds in abeyance to satisfy a credit card account that I have previously closed because on the initial {$510.00} that was taken from me! I should not be subjected to any federal penalties for my 401K if I did not use the funds or give permission to First Tech to take the funds? In conclusion my state tax refund is going to be deposited into my personal checking account that I have no visibility into nor will be able to access.
|
| 10/07/2021 |
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
|
|
Web |
|
|
I purchased a camera package online using my master card issued by the First Tech Credit Union. however the merchant used bait and switch technique and increased the price of the promised item after the purchase. When I received the item, it didn't seem to be genuine as the packaging was not original and the items were in opened boxes. I tried to reach out to the merchant serval times to cancel the order prior to it was shipped they didn't respond to my phone calls or emails.
I contacted First Tech Credit union customer service on XX/XX/2021 to initiate a dispute for the credit card charge. I received a letter from First Tech Disputes team to request additional details regarding the purchase. The same letter advised me to ship the items back to the merchant.
In the mean time, I tried to work with the merchant and returned the item back them. The merchant agreed to refund my money once they received the item. The merchant told me that they advised first tech to refund my money.
I provided this proof to the bank along with email chain that I had with merchant. To my surprise, I received a notice from First Tech denying my claim with no specific reason. When I initiated this dispute, first tech sent out a letter to the merchant saying not to issue a credit to me and notifying them that the amount has been deducted from their account.
The merchant is denying to issue a credit citing the letter from First Tech. I have been trying to contact First Tech to issue the letter but was given different information the each time I called. They finally refused to issue any such letter today. I believe this bank has misled me throughout the process and caused me a lot of grief and stress.
|
| 10/27/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Prior to XX/XX/2020 : Perfect credit score, no issue ever recorded, score XXXX XX/XX/2020 : Open a new credit card with First tech over the phone and have them setup automatic payments from my savings account.
XX/XX/2020 : Make a {$14.00} charge on the card, due date XX/XX/2020 XXXX : Since I had not been contacted about a late payment I had assumed the auto pay was working correctly. Use the card again for {$27.00} with due date of XX/XX/2020 XX/XX/XXXX : First tech contacts me to tell me that I have a late payment. I immediately pay the full balance, confused why the auto pay was not working. At this point they have already charged me a late fee of {$14.00} for the original XXXX charge AND reported the over 30 day late fee to the credit bureau. Credit score now XXXX ( an ~100 point decrease ) All of my other credit cards are on auto pay so I had the same setup with this card I received from first tech. For some reason first tech failed to properly setup auto pay and as a result tarnished my perfect credit history. I believe they intentionally did this and waited until after the fee was charged so that they could profit from the fees charged to me. When I applied for mortgage, my lender informed me that he had the exact same thing happen to him with First Tech. He had setup auto pay over the phone and they conveniently failed to set it up, resulting in a massive credit drop and a late fee paid to First Tech.
First tech has been notoriously bad for reversing fees even when the charge was a result of their mistake. This leads me to believe that they are not operating with good intentions and are trying to maximize profit through extra fees at the expense of the customer.
|
| 01/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Dear officer, I opened the checking account with First Tech Federal Credit Union ( FCU ), and I wanted to receive the XXXX dollar bonus by completing the direct deposit requirement ( I have attached the deposit requirement term below ). However, after qualifying 3 deposits totaling at least XXXX dollars within 120 days of account opening, the XXXX refused to honor the bonus. I have attached their response as well.
They claim that my deposit stopped after XXXX even though they DID NOT specify continuous deposit during the 120 days period at all. They only mentioned the deposit need to be maintained in the account for 120 days which I have followed accordingly. I am afraid they are falsely advertising and making up requirements after new users signed up.
Thank you for your time and help.
Best regards, XXXX XXXX The offer term : New Direct Deposit Offer : New direct deposit must occur at least once per calendar month from the Participants employer payroll into any account of which the Participant is the primary account owner. Direct deposits from a non-employer payroll source do not qualify. Monthly recurring direct deposit amount must total at least {$1000.00} for a {$200.00} bonus. Initial direct deposit must take place within 60 calendar days of Enrollment. At least three recurring direct deposits must be completed within 120 calendar days of Enrollment and direct deposit must be maintained for 120 calendar days after Enrollment. Only the Participant will receive credit for the direct deposits. Any qualifying bonus will be deposited to the Participants Membership Savings account the first week following 120 calendar days of Enrollment.
|
| 04/16/2020 |
No |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I was updating my payment for an XXXX XXXX payment to pay from my checking account from First Tech Federal Credit union on XXXX. I set up a payment for {$130.00}. The account was supposed to pay from a checking account. XXXX XXXX, IMMEDIATELY notified me that the account had an error, and upon checking the account numbers I realized a no-balance savings account for First Tech had been linked. XXXX instructed me to reach First Tech and place a block on the payment. I called First Tech immediately. Long hold times, no answer. I then went to secure messaging on my profile to advise of the error and asked for help on XXXX in blocking the payments for the account in error. The replies were " It is not our fault. '' Sorry the fees won't be reversed. I continued to call multiple times, send more messages on online messaging, to be told that " It's not our fault XXXX tried to pull payments, the fees are valid ''. See attached messages.
My issue is no one was responding, or appropriately reviewing options to help me correct this issue.
I very quickly corrected the payment with correct account and the XXXX payment from correct First Tech checking account was processed for {$300.00} ( as I had~ {$2000.00} funds available on XXXX for the purpose of bill payments ) on XX/XX/2020. It took a few days to process with the account correction.
XXXX was amazingly helpful, no fees charged, great direction in how to resolve.
FIRST TECH FED CU, not helpful, dismissive, and unwilling to reverse the fees. No help in discontinuing the fees from recurring.
I was charged a fee of {$28.00} on XXXX, another {$28.00} fee on XXXX, and another {$28.00} fee on XXXX.
|
| 09/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX, I purchase two ( XXXX each ) round trip tickets to XXXX XXXX for XX/XX/XXXX vacation. A week later I noticed for transaction taken out of my credit card account. I contacted the airlines right away and they stated that only purchase two round trip tickets and referred me to check with my financial institution.
I contacted First Tech Federal Credit union since the credit card I used was from this institution. I explained that I was over charged {$420.00} four times when it should only be two charges. I was asked to do file a dispute of the charges which I did. On XX/XX/XXXX I received a confirmation of my dispute # XXXX. On XX/XX/XXXX my account was credited the over charges {$420.00} x 2 while they continue to investigate mean while they asked for documentation which I provided the flight numbers and airline information that I had purchased. I also called the airlines to confirmed once again that they did not have me in two different flights. The airline confirmed that my name only appeared for the only flight.
I received from notification from First Tech on XX/XX/XXXX that their investigation is concluded and they would be withdrawing the money that was refunded to me on XXXX.
I am asking for a full reviewed of the ethics of this financial institution whom I have been a member of for over 20 years. During the time I have been a member I had their credit card and never had this type of situation. One of the reasons I used this particular credit card was because I trusted the bank and knew that my purchases are ensured and would not have a problem.
I appreciate the oversight to this charges.
Thank you,
|
| 03/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
i applier for a c.c. with first tech fed. cred. union ; i submitted income of about XXXX or so a year ; they approved me for XXXX credit line, wioth 12 months no interest on balance transfers they requested proof of income ; i told them i included in the amount the rental income from my basement, which i could not provide proof ; but i submited a w2 for XXXX with income of {$99000.00} ; Then they denied my application ; i could understand if they reduce the credit line, but i don't think it was fair they denied the claim entirely ; see below email with aproval Date : XX/XX/XXXX Application : XXXX Credit Card Type : Choice Rewards World MasterCard Dear XXXX, Thank you for your credit card application with First Tech. Your application request has been approved for the following terms : Amount Approved : {$10000.00} Interest Rate : 12.240 % Additional Terms & Conditions** > Proof of income dated within the last 30 days > > > > **Please submit any items listed under additional terms and conditions to XXXX. Credit Card approvals are valid for 30 days from the date of this notice.
Loan approvals are conditional and subject to verification of the information provided, First Tech Membership, and other terms and conditions listed above.
Important Note : For added security, our cards are Chip and PIN enabled. Youll receive a PIN in the mail separate from your card. Your PIN is important and may be required for transactions. You can personalize your PIN at any First Tech ATM.
Thank you for choosing First Tech for your financial needs.
Sincerely, Consumer Lending www.firsttechfed.com XXXX Tel XXXX Fax
|
| 07/03/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I made a subscription change through XXXX XXXX. Which has my First Technology Credit Union Card on file for purchases. Usually there is a hold aka transactions pending for such. Within hours of making the XXXX account purchase. A full charge as if I used my card with a pin or chip no hold or pending transaction. In the amount of {$11.00}. This threw my account t into an overdraft balance of more than XXXX or XXXX ( the amount that warrants an overdraft charge ). If First Tech would have put the hold ( as required for such a purchase ( CC not debit card ). The transaction for a credit processed through my XXXX XXXX in the amount of {$3.00} would have made my overdraft under the amount and I would not have been charged a overdraft fee.this is not the first time I have had to fight with my credit union. Regarding charges that were processed and should not have been or that didnt warrant a charge. Ex I believe in XXXX during the shutdown a monthly subscription. To a tanning salon processed the monthly payment knowing they were not open. And had a form to request a refund but they were not responding or processeing the refunds. I literally had to fight with First tech inorder for them to reverse the charge and forgive the overdraft! Which I do believe they did not refund me the fees! This is my 2nd account due to them wrongly processing transaction inorder to collect an overdraft fee! Transaction are not processed in the order they are done! Nor are they processed with the correct date of actual transaction made! First Tech does not offer fraud orenco tip To their members!
|
| 12/22/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Subject : Victim of bank account XXXX at First Tech Credit Union ( FTCU ), fraud and overdraft situation I have a savings account number XXXX with First Tech Credit union in XXXX, WA. I have been a victim of a scam. Someone ( we believe XXXX on twitter ) obtained my credentials to make mobile deposits and remove money from the account and this this was not detected by the FTCU bank for over 3 weeks. Now I am saddled with negative values in my account and overdraft charges totaling over {$12000.00}. Of this amount XXXX shows up in the XX/XX/2020 bank statement and rest I can not see due to the First Tech account being locked by the bank.
I am college student with no income so the FTCU bank should not have allowed these withdrawals I did not authorize, and have ever authorized, in writing, signed or requested any overdraft protection or courtesy pay. When fraud transactions occur risk controls should be triggered.
These withdrawals should have been caught by the bank risk management controls. For e.g. XXXX sends a hold communication when we deposit checks there is no amount available immediately.
We did not receive any text messages stating that I am in an overdrawn situation.
The bank should have stopped these transactions since the fake checks deposited by the perpetrator did not clear yet, and a hold should have been placed.
There was a hold placed on only one of the final checks.
The police case registered with XXXX County Police : Case number XXXX. Officer XXXX XXXX Considering the above, I trust that I am not liable for unnecessary overdraft.
|
| 06/16/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
On XX/XX/XXXX, I used the international wire transfer functionality offered by First Tech Federal credit union to transfer {$34000.00} dollars to XXXX.
I followed up with First Tech Federal Credit union on XXXX and got the reply from them that the wire transfer is on hold with an intermediary pending a declaration form from the beneficiary bank. I passed on the information to beneficiary bank 's representatives and they tried to contact the intermediary bank and according to them the intermediary bank was unresponsive. I followed up with First Tech federal on XXXX, XX/XX/XXXX and got the reply that they are working with their representative at XXXX XXXX XXXX First Tech 's intermediary bank ). On XX/XX/XXXX, First Tech Federal bank informed me that the deadline to affect the transfer has passed and the funds will be returned to me.
On XX/XX/XXXX my First Tech Federal Credit union account got credited with XXXX USD ( almost XXXX dollars less than what I initially transferred ). I enquired the bank about why that is on XX/XX/XXXX itself and they replied that they are working with XXXX XXXX to get an explanation of what caused the differences. I followed up multiple times ( XXXX and even today ) and have not gotten any replies. The last correspondence I received from the bank was on XX/XX/XXXX.
This puts me in a position where I lost more than XXXX dollars and I could not get the transfer of money done and I lost XXXX months trying to get this transfer done. The bank going non-responsive and not explaining anything does not help either.
|
| 12/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I am writing to file a dispute regarding an unauthorized charge on my account with First Tech Credit Union. On [ date ], I received notification of this charge, which I believe to be erroneous and unauthorized. Despite my repeated attempts to resolve this issue with First Tech Credit Union, they have denied my request to remove the charge and have failed to provide any evidence or explanation supporting their decision.
I have taken all necessary steps to resolve this matter directly with First Tech Credit Union, requesting documentation or evidence supporting the legitimacy of this charge. However, they have not provided me with any such evidence or explanation, leaving me in the dark regarding the basis of their decision.
I would like to request your assistance in investigating this issue and facilitating a resolution. I firmly believe that this charge is unauthorized, and I have the right to be provided with evidence or an explanation from First Tech Credit Union to justify their decision to deny my request for removal.
Enclosed, please find copies of any relevant documentation or correspondence related to this matter for your reference. if, no documentation is provided I ask that this charge be return and all charges I kindly ask for your prompt attention to this dispute and your assistance in ensuring that First Tech Credit Union provides the necessary evidence or explanation to support their decision.
Thank you for your time and attention to this matter. I look forward to your prompt response.
Sincerely, XXXX XXXX
|
| 09/30/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
Fraudulent credit application without my knowledge or consent : On XX/XX/XXXX, I went to the XXXX XXXX branch of the First Technology Credit Union in XXXX, XXXX, to get a cashiers check. The teller asked me whether I was interested in extending my credit limit for my credit card. I declined that offer. She also casually asked if I still worked at XXXX, to which I replied that I now work at XXXX XXXX.
She then asked me to sign for the check ( on the signature device ), which I received. I then left the branch.
Two weeks later, I received a letter saying that my loan application was declined. Because I wasnt aware of any application, I went to the branch to find out what happened.
After talking with the assistant branch manager and the application audit department, we found out that an application submitted for a credit limit extension on my behalf with a fictitious profile ( saying that I am a driver for XXXX with an annual salary of {$30000.00} ).
We escalated the issue, and it was investigated by First Techs Internal Audit department. Still, besides a promised correction of the credit inquiry, which significantly impacted my credit score, it seems that no further action was taken. The teller who submitted the credit application still works in the same capacity. After raising the concern again with First Techs upper management, they, while claiming to do everything to regain our trust, suggested we could change to a different bank.
|
| 12/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
On XX/XX/XXXX, I opened an account with First Tech Federal Credit Union. At that time, I signed up using a friends valid referral link and enrolled in a {$100.00} new account promotion. The promotion required depositing {$250.00} within 30 days and maintaining that balance for 30 days. My {$250.00} opening deposit posted on XX/XX/XXXX and I held this balance for 60+ days. I did not receive the bonus from the bank and after following up with First Tech, I was informed that my referrer was ineligible to refer me. However, after reviewing the terms, there is no clause stating that I would not receive the bonus if the referer was ineligible ( just that the referring party would be ineligible for their bonus ). I have successfully completed the terms of the bonus and am requesting that the credit union honor their promotion, Terms for Referred members ( from First Tech ) ( 1 ) To qualify for the {$100.00} reward, must establish membership and open a checking account. Account opening subject to approval.
( 2 ) Within 30 days of checking account opening, must deposit at least {$250.00} in new funds into their First Tech checking account and maintain an average daily balance of at least {$250.00} for 30 days from initial deposit. New funds must be deposited from a source outside First Tech. Transfers between First Tech accounts will not qualify.
( 3 ) Limited to one {$100.00} reward and not available in combination with other new member offers.
|
| 03/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX of 2021 per First Tech instruction I sent a letter to this address reporting an update to my address. This address was provided by my local branch.
First Tech Credit Card Payments XXXX XXXX XXXX XXXX, OR XXXX My Address was not updated correctly and at this point due to a First Tech error I stopped receiving my statements from them. I pay my bills based on the statements I receive and since due to this error I never received a statement indicating anything was owed to First Tech.
Upon seeing that I had a " past due '' I went to my local branch off of XXXX XXXX and spoke to XXXX XXXX. XXXX informed me that the address was not changed properly and that he was able to see the updated address when I called in XXXX after I saw my credit report effected. He apologized on behalf of First Tech for their error and let me know that he would speak to the proper department to get my credit report corrected since this wasn't my error and in fact a First Tech error.
I heard back from XXXX about a week later and he was happy to inform me that my credit report would be corrected within 30 days and that he had credited all late fees due to the bank error.
Upon recent review of my credit report the late payment for XXXX is still showing and had not been properly corrected. I was promised multiple times by First Tech and XXXX that this would be corrected. I have now waited patiently for months and this still has not been removed.
|
| 01/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened my checking account on XX/XX/2022 under a promotion with following requirements : Receive a {$200.00} bonus when you set up a direct deposit. Must be set up within 60 days of account opening and receive 3 recurring direct deposits within 120 days.
Get 10 % of qualified purchases up to a combined total of {$150.00} ( {$50.00} maximum per category ). The three categories are : groceries, online streaming subscriptions, and food delivery.
For the direct deposit part, I met the requirements by maintaining 3 recurring direct deposits for XX/XX/2022 to XX/XX/2022. And based on the terms of the promotion, they said the bonus should be paid out around 120 days after opening the account, so on or around end of XX/XX/2022.
I chatted with the bank and asked for the status. Their response was as below : " This member did not maintain their direct deposit through the 120 day tracking period of the campaign. Tracking went into XXXX, the member stopped receiving direct deposit in XXXX. According to the disclosure At least three recurring direct deposits must be completed w
ithin 120 calendar days of Enrollment and direct deposit must be maintained for 120 calendar days after Enrollment. The terms above about tracking period is not in the disclosure and is totally misleading. I was under under the intent of receiving the offer upon meeting the requirements all this time. Please look into this matter.
|
| 05/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
As a result of a harassing phone call with employee XXXX XXXX ( last name may be misspelled ; her supervisor and loan manager is XXXX XXXX ) I was wrongfully denied eligibility without proper reason for a checking account to move forward with a credit card application that was already approved and verified. Email attachment included.
I do believe without a reasonable doubt this denial to move forward was entirely due to my choice of moving forward with a federal and formal complaint against XXXX and the aggressive harassment I chose to report on the credit union and employee due to my pay-stub improperly reporting by HR error and no fault of my own. Payroll co. encounter errors and mis-pays etc. very often so her tactics were not only unreasonable but lacked knowledge of any common sense. I provided an immediate bank statement as well ( this was after her call ).
During my conversation with her supervisor XXXX XXXX I was contentiously put on hold and treated unfairly due to my rebuttals of needing a proper written reasoning as per my rights. Clearly they wanted to give me the least amount of info and have me on my way due to their negligence.
All calls are recorded and I urge you to review them and subpoena them from First Tech.
I will be pursing this further if a proper and respectable resolution is not addressed by First Tech. They have my email and cell phone.
Thank you, XXXX XXXX
|
| 05/29/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I tried to open online a joint account with my Mom at First Tech CU in XX/XX/XXXX. We were denied membership, I assume, because one of the security questions was not answered correctly. Now in XX/XX/XXXX, I have discovered that First Tech retrieved about {$110.00} from my mother 's hometown credit union to fund the account that was never opened. This information was discovered only because my mother decided to close her hometown credit union account and noticed a withdrawal to First Tech. I called First Tech and talked to a representative who told me initially that First Tech mailed a cashier 's check to my mother refunding her for the debited amount in XXXX XXXX. When I inquired whether the check had been cashed, I was put on hold for a long time. When the rep returned she informed me that she was mistaken about the cashier 's check and that the money had been in a " holding account '' since XXXX XXXX. She also said a supervisor would call me to explain what happened. I have called the company three times to get this information. The supervisor left a voice mail after my first call but has not bothered to reach out to me since then. There is no telling how long First Tech would have held on to my mother 's money if we had not noticed the withdrawal from my mother 's hometown account. The lack of notice and poor response by First Tech about this matter is absolutely unacceptable.
|
| 09/13/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX is reporting. debt on my CR after I disputed the validity of the debt as I do not believe it belongs to me. I never received anything in the mail outlining the debt, whom it may belong to or actually anything at all! The debt says I owe {$10000.00} and was opened on XX/XX/XXXX which is impossible as I did not apply for anything in XXXX. I have disputed the debt with 3 CRA and the dispute remark reflects its resolved as reported by grantor. How can this be?
also, the same company is reporting a second debt dated opened XX/XX/XXXX for {$1300.00}. Same exact scenario. Disputed and same remark as above. I have no idea what this is for and never received validity nor verification of the debt.
Also, the debts are reported as paid and then put back on as balance increased about 4 days later so it reflects as a new account on my report making my credit score drop.
Also I am guessing that First tech FCU is whom the debt is from? But they are reporting account closed XX/XX/XXXX from a credit card with balance {$4600.00} and charged off as bad debt the account was opened XX/XX/XXXX but if it were closed XX/XX/XXXX they just updated the account on CR as of XX/XX/XXXX.
I have also disputed with First Tech as I have no knowledge of this debt and never had a response in the mail from them. I have disputed and on my CR it stated that its resolved. I still disagree
|
| 07/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I was approved for a {$5000.00} personal loan from First Tech Federal Credit Union on XX/XX/XXXX. After a review, I was informed that there were issues identifying me even after I had provided normal identity documents. I was told that my loan could easily be processed if I could go into a branch over 1000 miles away. So on XX/XX/XXXX I went into the XXXX branch provided normal identity documents, then my birth certificate, a letter from the social security department, several credit cards. So upon requesting an update, I was informed the bank employee believed I was self employed, and that to complete my loan id have to provide tax information. I provided W-2 for two years, they then requested completed returns, I provided completed returns. Now they said they needed additional verification of my social, I provided a picture of my card, a letter from SSA.gov of me ordering a new card, a letter from the SSA verifying my ss numbers, then the new card, front and back. I was then informed that my approved application was denied per not being able to identify me. I leaped every requested hurdle, and policy and could only be denied by racial discrimination. I even questioned how if I wasn't identified how my account remained open for days, after my question, my account was disabled for fraud, while there hadn't been any transactions except the initial opening.
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was working with First Tech Credit Union and asked for a pre-qualification letter for a mortgage and was told via email it would not greatly impact my credit score ( email below ). After that conversation, a XXXX point decrease in my score was noted via XXXX XXXX and XXXX. I don't recognize the XX/XX/XXXX pull and did not authorize anything on XX/XX/XXXX.
I would like the XX/XX/XXXX pull removed from my score per 15 U.S.C. 1681G. Please let me know if you require additional information.
Thank you, XXXX ________________________________________ Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/XXXX and Credit Alert New Inquiry Reported By XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ________________________________ Good evening XXXX, You are most welcome!
Sorry for the late reply, I have been covering for a few other mortgage loan officers this week.
Regarding your credit check, yes it would be a necessary part of the application process, as this is required to add up your liabilities and determine your score.
The good news is that a credit check is good for 90 days and it will have a very minimal impact to your score.
Any small impact incurred you usually get back the following month.
Should you have any questions about the mortgage application process, please feel free to reach out this week!
My direct line is XXXX
|
| 04/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 First Technology Federal Credit Union XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Pre-Approved XXXX XXXX XXXX Mastercard Application To Whom it May Concern : On XX/XX/2021, I applied online for the XXXX XXXX Mastercard at First Technology Federal Credit Union ( First Tech ) in response to a pre-approval offer. My application was subsequently declined.
On XX/XX/2021, I contacted First Tech via phone and was told by XXXX that my employment as a XXXX XXXX was considered temporary. I informed First Tech via email that my position was not temporary and submitted evidence thereof. Later that day, I received a voicemail from an unknown person at First Tech stating that they are not able to assist [ me with the application ] due to temporary employment.
As previously stated, my employment is not temporary. I have been continuously employed for over 3 years. Therefore, the allegation of temporary employment is not a lawful basis upon which to deny my application for credit, which is governed by FCRA.
In light of the foregoing, I respectfully demand First Tech approve my application on the terms offered. Otherwise, this matter will proceed to trial.
Sincerely, XXXX XXXX
|
| 09/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2018 I charged {$25000.00} on First Tech Federal Credit Union credit card as part of my payment for the Diamond level of XXXX. XXXX was an online business I had joined.
On XX/XX/2018 the Federal Trade Commission ( FTC ) filed a complaint against XXXX citing unfair and deceptive acts and practices in violation of Section 5 ( a ) of the FTC Act as well as additional charges. Reference Case # XXXX on the FTC website XXXX More information can be obtained on the Receiver 's site at XXXX First Tech has reviewed my dispute and states that because I failed to file dispute within their policy of " 2 month of charge '' that my dispute has no validity. The closure of XXXX did not occur until XX/XX/2018 which was past the allowable 2 months.
I understand that if I had control of my dispute time frame ( say a store purchase ) and failed to file the dispute within 2 months of purchase that First Tech would have all rights to deny my claim.
Unfortunately I had no control nor could I foresee the FTC closing the XXXX operation completely down! I have a large sum of credit card charges to XXXX. If the FTC has determined that XXXX was operating fraudulently then First Tech should follow their guidance and remove all charges associated with XXXX from my account.
Any assistance you can give me will be greatly appreciated.
|
| 12/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
First Tech Choice World MC ; on XX/XX/XXXX i noticed ( 4 ) fraudulent charges on my XXXX XXXX XXXX from XXXX XXXX of {$99.00} {$99.00} {$120.00} & {$100.00}. I contacted First Tech MC dept of the fraud. About 4 days later 2 pages showed up from XXXX XXXX a watch and a scrabble game. I contacted First Tech and they advised me to return to a XXXX XXXX store, I did and was credited the {$120.00} and {$100.00}.
However the ( 2 ) {$99.00} charges remained on my account. I contacted them, 3 times on the phone and my husband went into the branch ( during Covid ) to get some clarity why these fraudulent charges still appeared? They advised waiting for the XXXX paper statement and the charges would be credited.
I rep 'd the XXXX statement and the charges were credited however, today, on XX/XX/2020 the charges still appear ( with no credit ) on my PC app and my mobile First Tech app?????
I spent 54 minutes on a call, the XXXX, with them today and the rep put in a ticket as to maybe a file wasn't uploaded, blah, blah, blah ... ..she assures me I did receive a credit even tho it doesn't appear on my pc or mobile app and I'm not being charged interest on it. Why? because she said so? She said the balances are the same ... they can't be if one has 2 charges of {$99.00} credited and the other doesn't ... .it 's called MATH.
|
| 10/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2021. I the consumer. Under 15 usc 1602 ( i ), original creditor and natural person in fact, blood and flesh man of given name XXXX XXXX XXXX. Come before XXXX In good faith to the cfpb. Whom Is Allowed and appointed by congress Pursuant to 15 usc 1691 ( c ) - Administrative enforcement ( a ) ( 9 ) to address this issue.. I the consumer was denied extention of my credit. Based on the allegations of records found in my documentary material attached in this compliant. The alleged found is, a violation pursuant to 15 us 1691. Congress has not set out forth these decisions as LAWFUL reasons for non discrimination or refusal of my extension of credit under 15 usc 1691 ( b ) ( c ). Also, as this adverse action has not been deemed satisfactory under 15 usc 1691 ( d ) ( 5 ). As I have not exceeded 150 applications within a one year calender. Also, on the facts given, it is also a violation under 15 usc 1691 ( e ) ( 1 ) as stated company failed to furinsh me with the copy at no additional cost of any and all written appraisals and valuations developed in connection with my application but, in no case later than 3 days prior to my denial decision. Stated company is also in violation of failure to notify me during the application of my rights to recieve a copy of each appraisal under 15 udc 1691 ( e ) ( 5 ).
|
| 10/10/2018 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2018 I reported a fraud to First Tech Federal Credit Union that was perpetrated using my identity. A credit card was issued by First Tech Federal Credit Union to someone other than me without my knowledge or consent, and then two {$10000.00} cash advances were made against this card. I discovered this when I received a credit card statement for the fraudulent card and immediately reported it to First Tech Federal Credit Union, the Federal Trade Commission ( report # XXXX ), my local police department ( XXXX Police Report # XXXX ) as well as the XXXX Oregon police department ( where I was told I had to report it to my local police department ), and XXXX ( report # XXXX ). First Tech Federal Credit Union said it would take up to 72 hours for someone from their fraud department to call me. Not having had any calls from them, I followed up XX/XX/XXXX. I was again told someone would call me. I have not heard from anyone since then. Yesterday I received a letter from First Tech Federal Credit Union stating that I needed to immediately pay {$400.00}. I called them again today ( XX/XX/XXXX ) and was told, again, that someone would call me back. I have been unable to speak to anyone in the fraud department in the 6 weeks since I reported the fraud and there has been no action taken on my case.
|
| 06/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
My XXXX XXXX was in a vehicular accident in XX/XX/2022 and was totaled by another driver. After the appraisal, I was told that I didnt have GAP coverage. I refinanced the vehicle a year prior and dont recall not applying for Gap. I understand the importance of having it and wouldnt go without it. Now I am being told that I owe Gap and no one at the company could show me where I opted out of it during the refinance.
Truth In Lending was not disclosed as far as the finance charge and Gap coverage were concerned. The car accident was not rectified at all. Due to the accident, my credit has steeply declined from a XXXX down to a XXXX. Due to being desperate to get my kids around I had to enter into additional loans that continue to hinder me from my pursuit of happiness as well as no longer being considered for a home. Had the Gap coverage been in the contract in place of the finance charge this would not be a issue. Due to this accident I have been declined additional credit to rectify my situation.
After the accident, I applied to get my loan extended so that I may purchase another car under the company since the at fault drivers insurance was going to pay my loan off. My credit was denied multiple times.
I have my contract from the refinance and can submit it later if needed.
|
| 02/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
I applied for a Personal Unsecured Loan with First Tech Federal Credit Union on XX/XX/XXXX in the amount of {$5000.00} under installment of {$130.00} per month for forty-eight ( 48 ) months, due date on the XXXX of the month before the closing date of the XXXX of the following month per approval by First Tech Federal CU Representative Customer Service agreement to avoid a late fee and past due on installment payments. Since First Tech Federal CU is an online Bank in my State of XXXX, NC, I mail my monthly payments of {$130.00} plus {$15.00} late fees totaling {$140.00} by United States Postal Services 2nd day Priority Mail to received before the closing date of the XXXX of each month since I am a Retired XXXX Employee from the XXXX for XXXX XXXX XXXX XXXX over 48 years & received my retirement benefit on the first of each month. I tried on three attempts with First Tech Fed CU Representative to set up an Electronic payment Plan per application online to be debit from XXXX XXXX XXXX XXXX Checking Account but First Tech Fed CU did not accepted agreement. Therefore, I mail payments by Certified Mail per month and First Tech FCU is fraudulently reporting account past due since XXXX until present of XX/XX/XXXX ignoring my dispute. Balance is {$2700.00}.
|
| 08/30/2021 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed a collection account on my credit report from the collection company XXXX XXXX which looked a bit odd to me because the balance is still being reported by the original creditor, First Tech CU and the reported dates weren't right. After disputing the collection account with the credit bureaus and they did not resolve my dispute, I wrote a letter to XXXX XXXX to the address listed on my credit report and asked them to validate the debt that they are reporting and they did not respond to my request for validation. After checking my credit report I noticed they are still reporting this account even though they did not validate it. I sent them a follow up letter requesting they delete the account because they failed to validate it and they did not respond nor have they deleted the reporting. I researched this issue on your website and the FTC website and I found quite a bit of information regarding violations of the FCRA and the FDCPA and this company has committed multiple violations. They are listed below : 1. Failure to respond to debt validation 2. Still reporting to the bureaus within 30 days without validating I feel like I have done all I can do on my own and I really need your help. Maybe they will respond to you guys. Thanks.
|
| 09/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I purchased a ticket for XXXX XXXX to visit XXXX for XXXX weeks of vacation using credit card from First Tech Credit Union. My luggage was lost and I filed the lost luggage on the spot. XXXX XXXX did not respond to me until XXXX week afterwards. I had to pay at for the very basic replacements in the luggage and my whole vacation was ruined. I asked for itemized compensation from XXXX XXXX given their policy listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They answered me after 60 days offering a XXXXXXXX XXXX XXXXXXXX. I refused given the very high amount of money I paid for replacements. I contacted my credit card for the dispute over the horrible service I received. After another 60 days of waiting, First Tech denied it without a proper explanation. As a consumer, I am protected by US department of transportation for lost/delayed luggage up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and by US federal federal trade commission for a bad service that was provided by XXXX XXXX to be XXXX XXXX first tech ( XXXX XXXX XXXX ). However, First Tech rejected my dispute telling me that I shouldn't have taken the flight. Now that I have used that service, I have to deal with the merchandise itself.
This is my last time, using First Tech Credit Card.
|
| 02/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
I hold a checking account with First Tech Federal Credit Union with a running balance of {$7000.00}, to which I made a XXXX deposit of {$6800.00} and two XXXX credit card payments of {$4200.00} and {$4600.00}, all ACH transfers. All three transactions posted to my account on XX/XX/XXXX. Because First Tech FCU 's processing systems chose to post the debits to my account before the credit, they returned the second XXXX payment unpaid, incurring a {$33.00} " return item fee '' to my account. This has happened once before in my multi year tenure with the bank, however they were able to reverse the fee upon request as it was a similar issue. This time however, even when I escalated the issue to a supervisor for review, they refused to reverse the fee, saying that in XX/XX/2020 they have increased their " return item fee '' by {$5.00} and also became more strict on not reversing them. They neglected to address the issue that their system could've posted the credit first, but did not.
The bank charges me nothing when a debit card transaction is declined, because I have opted out of " overdraft protection ''. However an ACH decline, which is just as free for the bank to process, incurs an exorbitant {$33.00} penalty. This needs to stop.
|
| 04/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/2022 I was assessed an overdraft fee by First Tech Federal Credit Union in the amount of {$33.00} at approximately XXXX. At that time my account available balance was {$540.00}. This shows on a screenshot I have of their online system. There was also a pending charge for {$740.00} at that time, but it was not completed until XX/XX/2022. Before the charge was deducted I both transferred money from my savings account and also received my normal paycheck taking the balance above {$3000.00}.
I contacted the bank and told them that I was confused about the fee and how it could be assessed when my balance was above {$0.00} and nothing had been paid out that had taken my account below {$0.00}. I was told that " The fee was incurred due to the hold of {$740.00} from XXXX, although the purchase was much less, at the time the item was presented to your account for payment the available balance was {$85.00}. '' which is incorrect or their system is faulty, I was also informed that I am not eligible for a courtesy reversal. I don't feel this would be a " courtesy reversal '' situation as my account still had a balance, and I shouldn't have been assessed an overdraft fee in the first place. I am closing my account with them today.
|
| 12/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/22, I received a letter from First Tech Federal Credit Union that states I have a savings account that was opened on XX/XX/22. I see there was {$10.00} on the 25th transferred in and then back out, leaving a zero balance.
Upon calling XXXX, I spoke with customer service XXXX XXXX. She requested the last 4 of my social security number which I confirmed and then text me a message with a numeric code to prove I was the savings account holder.
I conformed the text message to discover via conversation that a previous company I had owned years ago had opened a savings account in my name. I had XXXX flag my account to avoid anyone opening a loan.
She sent me a affidavit and asked for it to be completed and sent back. It asked for a copy of my driver 's license, social security number and additional personal detail.
I did not fill it out or turn it in to her because I could not prove I was calling nor speaking to a legitimate company.
I filed a police report and called XXXX to flag my credit with XXXX, XXXX and XXXX.
I want this savings account closed without having to provide them an affadavit and relinquish more private information about myself.
Let me know how you can help me to resolve this issue.
Thanks!
|
| 01/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
A ) First Technology Federal Credit Union does not issue monthly statements with all transactions included. I told XXXX about this on XX/XX/22 and it has yet to be resolved. They will not respond to my phone calls or e-mails XX/XX/22.
B ) XXXX issues indecipherable credit card statements. Their local branch can't explain them, their telephone help can't explain them, and their credit card office can't explain them.
C ) XXXX has a bill pay system which doesn't pick valid payment dates when permitted to self-select them. XXXX know of this and claim that it is an unrepairable issue in their system ; unrepairable?!?
D ) Members of XXXX are not allowed to have XXXX management contact information ; I wrote ( email ) to the President and CEO of XXXX on XX/XX/22 advising him of issue " A ) '' above and he has yet to respond or even acknowledge my message. When I called to get other XXXX personnel contact information, I was told that I am not permitted to have that data and that they must pass all messages to lower management to be passed to upper management ( maybe ). I can supply copies of many emails on topic " A ) '' and limited copies of topics " B ) '' and " C ) '' for more detailed data and to show their responses to me.
|
| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX, Ive received an email from First Tech Federal Credit Union regarding changes to an account. Therefore, Ive replied same day stating this was an error and fraud, never did I open an account with the company. I called a day or couple days later, and spoke to a representative. She ensured that the account ( s ) will be placed on hold for further investigation. A week later, Ive received a fraudulent claim form to fill out from the bank, which was filled out and sent back to the forwarding address. On XX/XX/XXXX, Ive received a statement from the bank statement which included account bank, which led me to believe the bank proceeded with active account. On XX/XX/XXXX, Ive received a Special Adverse Action Notice which indicated Deposits/Savings were terminated/closed/suspended/other and reason to termination was CHARGE OFF. In XX/XX/XXXX, Ive called the customer service line and spoke to a representative who ensured that all accounts were closed and there were no further worries. On XX/XX/XXXX, Ive received a debt collection letter from XXXX XXXX XXXX, XXXX regarding a {$500.00} debt I owe, which stated as of XX/XX/XXXX.
Please note, there was a police report regarding this case on XX/XX/XXXX. See attachment.
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
A Account was open in my name in XXXX by a bank named first tech federal credit union that I was not aware of or gave anyone permission to open this bank account. A week later a debit card was sent to my residence. I called the bank and let them know they said I called after hours and we need to call back. A couple days later I called back and They said I would have to go to a sister bank because this bank was not even in my city. Before I could reach out to this sister bank in my city I received an other letter stating that this bank account was - {$13000.00}. I just got off the phone with them today I was able to report fraud again and they stated I would have to get on this website identity theft.gov and reported as well. This is a lot of money and its going to affect my credit score and other places of me trying to open an other bank account in the future. As far as right now, they wont give me any information on who or where they know or what they spent the money on until further investigation I was trying to find out where the money was spent so I know what calls to take because Ive been receiving so many calls and at this point, I dont know which ones are fraud and which ones are related to this account?
|
| 08/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XX/XX/2018, I received a certified mail letter to stop " manufactured spend '' activity.
On XX/XX/2018, I called to ask what specific activity in my account triggered this letter. I was told that for my account specifically, it was due to receiving transfers from other credit union members who exhibit signs of this type of activity on their accounts. They said as long as I stop receiving transfers from other FT ( First Tech ) members, I should be fine, as my account does not exhibit any other signs of prohibited activity.
However, on XX/XX/2018, I was unable to sign in to my account. I called customer support, and they said my account had been closed for the reasons in that letter. They sent me a cashier 's check for the balance, but they kept {$5.00} in my savings account. I am unable to access my savings account and am unable to pull my transaction history.
I believe my account was wrongly closed because I have not performed any prohibited activity. After the call on XX/XX/XXXX, I stopped receiving transfers from any other FT members. I have been slowly transferring my money from my checking account at XXXX XXXX to First Tech with the intention of making my First Tech account my primary account.
|
| 01/20/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On or around the week of XX/XX/XXXX my wallet, credit card, and pin was compromised and three charges were made without my authorization. I filed a police report regarding the theft with the XXXX Police Department ( Report # XXXX ).
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX TX {$1200.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX TX {$700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX TX {$160.00} I notified my credit card company of these issue and was advised it would be investigated. A month after filing the dispute a fraud investigator by the name of XXXX XXXX contacted me and stated that she reviewed the claim and felt that the transactions were valid even though she did not receive any documentation from the merchant. She said she believed them over me and she advised she would wait a week as they might provide documentation, but that she believed they probably would not and either way she was going to close the claim stating I was responsible for the transactions. I advised her that I thought it was unfair that at minimal documentation should be required from the merchant but she stated for their review it's not needed and that the decision to approve or decline a claim is at her sole discretion.
|
| 02/09/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
We have a HELOC with First Tech Federal Credit Union, which has always had a zero balance, and they charge us a {$100.00} annual fee to keep the account open. We never received any notification that it was time to pay our {$100.00} fee in XX/XX/XXXX, but we noticed the {$100.00} balance when we logged in and we paid it before the due date. Without our knowledge, they also charged us {$0.00} of interest on that {$100.00} fee, which wasn't reflected in the balance due so we didn't know about it. Because we didn't pay the {$0.00}, it appeared as past due so they added a {$5.00} late fee to our account. They never sent us a notification about any of this, and whenever I logged into my account it showed a balance of {$0.00}. In XX/XX/XXXX, they reported the account as " delinquent '' to the credit bureaus because we had an unpaid balance of {$5.00}, but they never told us that we have an unpaid balance and it still shows a balance of {$0.00} when I view my account online. When I called their customer service department, the representative was completely unapologetic and made it seem like it was all my fault. Now their mistake is negatively affecting my credit score, which isn't right.
|
| 01/15/2020 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/2019, I received a letter from the company XXXX XXXX XXXX , XXXX, of XXXX XXXX CA that they are charging me the amount of {$48000.00}, of a suspicious debt from First Technology FCU of which I have never been notified, that I do not recognize it And I don't know who? or what is it?. Before this letter, people from this company called me and asked me to speak in Spanish as it is my first language and they refused, insulted me and hung up the phone without giving me an explanation. Now I receive this threatening letter and I am not given details of what it is? Prior to this incident I have an identity theft reported more than a year ago with First Technology FCU who have never told me what happened, what research was done, they never wrote to me and I never knew how it happened? Or what happened? Nor did they explain to me how this debt came to my accounts for the amount of {$73000.00} dollars, how the bank lowered it to {$48000.00} and how this happened electronically in my personal accounts at the bank. I ask you to help me because I made a complaint in the police for identity theft and also report it and now I receive these threats without explanation.
|
| 07/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/24, I paid First Tech the pass due amount of {$570.00}. My logon on that date per their website sign on trail confirms that. I received an auto text from First Tech verifying I was active on their website that day. At first I went on to change external bank account to make a payment ... but their system kept rejecting with several error codes, so I called. Per customer service Rep XXXX, told to try again later. I since decided to go back on and pay with my past bank account that were already on file. It was not until day 35 or so, another rep from First tech, made me aware by calling my cell phone that I was over 30 days late. I explained this ... she told me that they will evaluate and get back in touch. No one have since. I was not late on this payment ... they obviously were having system issues out of my control, that I didnt know will effect my payment history. I have perfect credit and this is a impact on it now. Showing 30 days late. Please can someone help me as First tech isn't honoring they were having system issues on that date.I trusted their website with submitting my payment, but it failed me. I was never pass 30 days.
Thank you
|
| 05/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I have met all the account opening bonus requirements and waited 30 days for the below account opening bonus and I don't see the bonus posted yet for XXXX. I did open my checking account in XX/XX/2022, and made 6 total direct deposits of over XXXX each month per the term, 2 also i made a XXXX purchase in the first 30 days in super market. The term did say to open a checking account not a saving account, I have mentioned that to the bank service team, and the term did indicate it is for the checking account, and the bank is now denied my bonus and said my checking account is not qualified. I would like to request my account bonus as soon as possible.
First Tech Federal Credit Union is offering a bonus of up to {$350.00} when you open a new checking account using the promo code XXXX Receive a {$200.00} bonus when you set up a direct deposit. Must be set up within 60 days of account opening and receive 3 recurring direct deposits within 120 days.
Get 10 % of qualified purchases up to a combined total of {$150.00} ( {$50.00} maximum per category ). The three categories are : groceries, online streaming subscriptions, and food delivery.
|
| 10/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On XX/XX/2018, a fraudulent savings/checking account at First Tech Credit Union was opened in my name. On XX/XX/2018, I discovered this fraudulently opened account via a First Tech account statement that was mailed to my home.
I had no knowledge of this account, I did not open the account nor did I authorize anyone to open the account in my name.
On XX/XX/XXXX, I sent a letter via certified mail to First Tech 's Fraud department in XXXX, Oregon. The letter stated that I had no knowledge of the account, that I did not open the account or authorize anyone to open the account and requested that First Tech take immediate corrective action on this account. Further, I required that First Tech notify me in writing that corrective action was taken or that they notify me the reason ( s ) why corrective action could not be taken.
The certified letter was picked up and signed for by a First Tech employee on XX/XX/2018. To date, I have not heard from First Tech regarding this matter. I called First Tech 's customer service XX/XX/2018 and discovered that the fraudulent account is still active and no actions have been taken by First Tech.
|
| 07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Greetings, I am filing this complaint to dispute an inquiry that a credit union incorrectly made on XX/XX/XXXX.
In XXXX, I applied for a credit card with First Tech Federal Credit Union. First Tech approved my request and sent me a new credit card, which I have been using ever since. The credit union then erroneously made a second inquiry into my credit report on XX/XX/XXXX. Today I received a letter saying that, after making the second inquiry, they rejected my alleged request for a loan.
I never filed for a loan from First Tech ( or any other entity ) and did not request a second credit card or any other line of credit from First Tech. I only made the initial request for the approved credit card.
I called First Tech to dispute the second inquiry, but a representative told me they have no way of removing it from my credit report -- which is not true, from what I know. The rep also said they treat the terms " credit card '' and " loan '' synonymously, and he hung up on me.
I am seeking help removing the second inquiry from my report as it has adversely affected my credit score.
Thank you, XXXX XXXX XXXX XXXX
|
| 09/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I paid {$770.00} for an appraisal that FirstTech ordered. This appraisal allowed me to remove the private mortgage insurance from my current mortgage. To use the appraisal for a second lien on my current home, a different lender asked for a letter from FirstTech stating that FirstTech releases the interest from my appraisal.
FirstTech refused to provide the appraisal transfer letter and gave no reason. They said they would not release the interest in the appraisal I paid for, therefore, they would not provide the letter for me. They tried to refer me to a FirstTech loan officer to talk about a second lien with FirstTech, but they don't offer the financial product I'm looking for and their interest rates are not competitive for it.
XXXX XXXX guidelines state that lenders can transfer appraisals. In addition, most lenders have a standard template to transfer the appraisal for customers. One of them is XXXX XXXX XXXX. Therefore, there's no reason they can not provide an appraisal release letter.
If they were going to keep the interest in my appraisal, they should have paid for it and informed me upfront about it.
|
| 08/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Three times First Tech Federal Credit Union have applied my car payment to another account. One time theyve even reported me to the credit bureau. I received a late payment letter. When I called them to tell them that I made the payment a week earlier than the due date, it took them 2 weeks to apply my payment to the correct account. They had to send a letter of correction to the credit bureau. They charged me extra fees saying that I needed to put back {$3.00} in a share account. I asked them why should I send and extra {$3.00}. When my payment is {$390.00} and many times Ive written the check for {$370.00}. Ive never seen this extra amount applied to my car loan. I sent the extra {$3.00} but when I went to a location to pay my XX/XX/2022 payment, I was told that I still owed the extra money. Every monthly I have to call to make sure theyve applied my payment to my auto loan. Im really tired of having to argue with them over the phone about their mistakes. I cant help but to think that theres something wrong going on. They never gave me a reasonable answer about the {$3.00}.
|
| 10/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have noticed that FIRST TECH FCU have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both FIRST TECH FCU and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
|
| 09/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
See CFPB case number XXXX.
The case was prematurely closed.
The issue remains unresolved.
First Tech Federal Credit Union forced agreement with broad terms that I did not agree with however I was locked out of all my accounts without clicking " agree ''.
First Tech reported they called me to assure me the scope of the written terms would not go into full effect. I accepted that was the best the rep could do pending their own internal review.
Their response to CFPB was " we'll look at it and let you know ''. How can that response be taken as resolving the complaint.
In order to supersede written terms to reduce the overly broad scope they must do so in writing. Have they sent out an amendment?
Did First Tech provide a preliminary draft of an amendment?
Or has First Tech stated that the manner in which they forced the agreement, and the overly broad scope of the terms is legally acceptable?
They have not resolved the issue and only offered a promise to resolve it in the future. That can not be confused with actually resolving the complaint.
|
| 01/12/2022 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Problem with customer service
|
|
Web |
|
|
First Tech credit union received a pay-off check in late XXXX or early XXXX of XXXX. They returned this check to my new lender and did not inform me that this occured. When I contacted them for an explanation on XX/XX/XXXX, they provided an address in XXXX where the check should be sent and told me they had no record of the check. I confirmed with my new lender that they sent the check with the correct account information to that address.
Now, they're saying that the address for payoffs is in California and refuse to stop demanding payment despite declining my payoff. Further, the customer service representative I spoke to on XX/XX/XXXX confirmed that their procedure is to forward payoff checks to the appropriate address when received in XXXX, not return them. My new lender shared in a call on the same day that First Tech confirmed the XXXX address as the appropriate address to send payment.
Throughout this time, I have made payments to bother lenders. First Tech has refused to accept a stop to payments despite having declined my payoff.
|
| 03/28/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
Since XXXX, XXXX I have tried to received my bank statements unsuccessfully!
For thirteen plus months, I would call to have a representative assist me in there attempt of resolving the problem!
Each representative believed the problem was addressed and solved! The cause/fix only resulted in failure after failure!
I have either used the phone or virtual appointments to resolve this huge unacceptable situation that the bank has no interest in resolving for a member who has been since XXXX! I have requested a supervisor or manager to return my call which they Never have!
I don't know what else I can do! I am in need of your assistance to resolve a issue why a Institute will not allow a member to have access to my financial accounts please!
I would greatly appreciate your assistance in helping the credit union to take insterest in allowing access to All my banking needs by providing my accounting records.
Thank You I have money directly deposited and have access to my banking needs through ATM only! No in person banking in my area!
|
| 10/14/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XX/XX/XXXX I placed a Membership Savings application with First Tech Federal credit union, bearing the Online Reference Number : XXXX. On XX/XX/XXXX I was asked for documents such as Driver License and Social Security Number and I provided all the needed documents. On XX/XX/XXXX I received an email from First Tech saying " Thank you for your recent share account application, XXXX. Unfortunately, we are unable to approve your request at this time for the following reason : We are unable to validate the information provided. '' I called First Tech on the phone and asked to know which information they were not able to validate, the representative said that he can not get this information and that I will get a callback from a representative. First Tech never called back. On XX/XX/XXXX I sent First Tech an email asking " XXXX you please tell me which information you were not able to validate, and which information should I provide again for you to be able to validate it. '' First Tech never replied.
|
| 02/24/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I am filing a complaint in regards to First Tech Federal Credit Union. I was referred to opened a checking account & saving account online on XX/XX/2020, and completed the deposit of {$250.00} on the same day and have maintained the required $ XXXX balance ever since per the terms of their their referral reward of {$100.00}. In the term, it says the reward will be deposited into the saving account within 30 days after maintain {$250.00} for 30 days, which should be deposited by XX/XX/XXXX in my case. However I have not received any reward as of today. I sent secure message to the bank 's customer service but the rep asked me to provide the full name of the referrer as well as their phone number or email. However, providing such information was not noted in the terms of bonus offer, thus this excuse should not be the reason they reject my reward. I am unable to provide the referrer 's information, but had I known it was required, would have obtained it from the beginning. I am seeking help on CFPB.
|
| 11/21/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Foreign currency exchange
|
|
|
Web |
|
|
I requested a currency exchange with First Tech Federal Credit Union XX/XX/2023. They quoted me a value which I assumed to be reasonable ( {$200.00} USD for XXXX XXXX XXXX ), in addition to a exchange fee. I found out shortly after traveling the value they exchanged is roughly 30 % less than the current market exchange rate. Their exchange document which is unsigned, but has a clause which notes any differences in value will be kept, this was not mentioned when I completed the transaction. When requested to explain the discrepancy their response was : " Hello XXXX, just letting you know that our back office investigated it and saw no error with the exchange rate you were given for your currency exchange. The rates are provided to us every morning and they fluctuate daily, also the rate you find on XXXX is not true for all institutions. Individual institutions may have different exchange rates as well. Thank you for your patience with us and hope you have a happy holiday! '' This seems like theft?
|
| 12/31/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
On XX/XX/XXXX I filled an application to extend the limit on my credit card. It has to be noted that this is something employees at FirstTech XXXX campus suggested a few years ago. FirstTech considered me a more desirable customer then but now. On XX/XX/XXXX I received a denial notice from FirstTech without any specifics but " Incomplete Application ''. The application was complete and consisted in the form provided by FirstTech. This is the second time this year FirstTech is denying me a loan without clear explanation ( I applied for Mortgage which I ended up getting from another institution due to the reluctance of FirstTech making it too difficult ). I have been with FirstTech since 2012 and I have outstanding records with them ( as well as all financial institutions I am in business with ). I have maintained very good credit score over the years. Given my outstanding records I can not explain how FirstTech can legitimately and legally deny my application.
|
| 07/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
Older American |
|
I opened a credit card account with First Tech Credit Union in XXXX, 2023, and moved a balance ( {$9100.00} ) from another financial institution to the new First Tech card under a promotional rate of zero percent for one year.
I then made a new purchase on the card for {$500.00} that's not part of the balance transfer. When I asked the company what my minimum payment needs to be to avoid interest, they told me that the only way I can avoid paying interest on the {$500.00} is the pay off my balance in full, or {$9600.00}.
I've done many balance transfer in the past, have accounts with XXXX and XXXX XXXX, and others, and those companies always separate promotional balances from non-promotional balances and treat each balance accordingly. With First Tech, by using the card to make a purchase, I'm now required to pay interest on the {$500.00} for the next year unless I pay off the entire card balance ( promotional and purchase ) on my next statement date.
|
| 06/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX XXXXXXXX See above. This company was not allowed to do business in the state of Utah for what I requested. They cancelled meetings and had no way of cancelling service on their app or website and will not cancel via their phone number. They tell you to email the cancel and then don't respond. I was charged {$320.00} x 3 and {$130.00}. My bank reversed it and told me to keep trying with this company that's being investigated by the DOJ for exactly what they couldn't provide me. They cancelled appointments and charged me over {$1100.00} and now overdrafts and my bank says they can't do anything despite the fact they canceled and I cancelled and they legally can't operate in my state. I cancelled my card bc of them. But then over 60 days later all their fraudulent charges were reversed. Further when contacting the merchant a week ago they said only my bank can help me causing a whole new mess which obviously is to make this an impossible claim.
|
| 11/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Around XX/XX/XXXX or XXXX, 2019 ( First Tech Federal Credit Union has the specific date when I paid off the loan for the camper ), XXXX dollars and am waiting for the XXXX title to mail me since the date I paid off. The location is here in XXXX XXXX, XXXX, Oregon. Twice, my loan officer for the camper called the headquarter about the whereabout the title is. They said they released the title XX/XX/XXXX and would be mailed around 5 days. Last Monday, I went to the First Tech bank officer again and he called them. They mailed XX/XX/XXXX. Now it is not here yet as XX/XX/XXXX. I will go to the bank officer again about this. I am afraid about my consumer who wants to buy my truck camper and needs this title so he can get a loan. He pateince with the progress. I never experience with this First Tech compared with other banks.
Let me know what I need to cover more that I need to do addtional information.
XXXX XXXX XXXX email XXXX XXXX XXXX Text only
|
| 12/31/2021 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I have a 60-month CD ( Certificate of Deposit ) with First Tech Federal Credit Union XXXX I never agreed to roll over the CD once it matured, and did not receive a notice of " new terms '' that they claim they sent, but they rolled over my CD without my consent. They also refuse to provide the original contract, as requested, and deny the terms explicitly noted in an earlier correspondence with a First Tech rep. As a result, when I request to move my money to my savings, they want to impose a steep penalty.
I have reached out to them multiple times, including going to the XXXX XXXX branch in person, but they don't have good intentions to honor their own terms of the original CD. The person I communicated with is XXXX XXXX, the Assistant Branch Manager, and the issue remains unsolved. I'm submitting the complaint so that you are aware of their practices and can push the Credit Union to do the right thing.
Thank you!
|
| 11/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
I am a member of First Tech credit union. I have a consumer credit card with them.
I did a recent cash advance transaction. I wanted to know how the interest is calculated. They told my interest rates are increased.
Last statement I received from them was on XX/XX/2022. In the statement i got on XX/XX/2022 the interest rates ( XXXX ) for purchases will be 9.750 % and then for cash advance XXXX will be 10.750 % Today, First Tech representative told that my interest rate is 11.750 % XXXX for purchases and 12.750 % for cash advance.
I wasn't notified of the rate increase per the law XXXX Reevaluation of rate increases.
On those grounds, shall I dispute the rate increase without formal notification?
The representative told that the rates would be published in the statements. Since I didnt get statements for XXXX, XXXX, XXXX, XXXX of the year XXXX The institution didnt make any effort to notify the change in XXXX.
|
| 11/12/2021 |
No |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Older American, Servicemember |
|
On XXXX XX/XX/2021 I had entered into a contract to have my roof replaced. I agreed to the terms of the loan with the XXXX, and the finance company, XXXX XXXX XXXX ( XXXX XXXX XXXX.
On XXXX XX/XX/2021, I received a letter dated XXXX XX/XX/2021 from First Tech Federal Credit Union, informing me that they had purchased my loan from XXXX, and subsequently had opened up a membership savings account.
At no time did I authorize opening a membership saving account with any financial institution. Quoting directly from their letter : " We've also made a {$5.00} deposti to establish your First Tech Membership Savings account and the account number is XXXX. '' I've tried to have this resolved with XXXX and 1st Tech, and their answers are identical, we can not do anything about your concern. Both have said I had agreed to opt in on the loan documents, to which no such options appears. They didn't even cite any reasons.
|
| 07/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I was locked out of my new account after depositing my {$1200.00} stimulus check and making a {$25.00} transfer to my other bank account. I called several times to figure out why, and they repeatedly said they would mail and email me information about it. I received an email stating they were investigating fraud on my account. My account has been locked since around XX/XX/XXXX, well over a month, and they will not tell me how long the investigation can go on or what information I can provide to resolve the issue. I never saw any strange transactions, so I can only assume one of my own transactions looked suspicious. I made transfers from my other bank accounts including micro transactions to verify transfers, my XXXX, and my stimulus check.
It is a challenge having {$1200.00} locked away during COVID when I am struggling to pay house bills so I would like to know how long they can legally hold my money.
|
| 05/04/2020 |
No |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account with First Tech Federal Credit Union on a referral invitation from a family member. The referral provided me an opportunity to earn {$50.00} bonus if I deposited {$250.00} new funds into the account within 30 days of account opening. I opened the account and deposited the necessary funds, but First Tech is not honoring its bonus promise on technical grounds, stating that I transferred the money the same day of deposit, this was not mentioned anywhere in the promotion that money needed to be in the account for certain period of time. I called First Tech customer service numerous times and I was initially not told about this technical issue. Only after 30 days passed, they informed me I would not get the bonus. I feel like this is deceptive marketing and has completely wasted about 6 hours of my time. The agents were either poorly trained or withholding information purposely.
|
| 02/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
A little over a month ago I opened an account at first Tech Federal credit Union about three weeks after opening the account I deposited a large check in the amount of {$21000.00} in my checking account before making this deposit I verified with a customer service representative from first Tech Federal credit Union if it was OK for me to make this deposit I was instructed that the hold would be seven days for the check, Immediately after making is the deposit I was restricted from my account and a very vague letter was sent to me that the hold would be for 60 to 90 days with absolutely no reason provided other than account Was restricted for activity which is a very vague explanation and absolutely no other reason provided. I have tried to contact the department the placed this hold However all my attempts have had negative results they do not except incoming calls the department that placed the hold.
|
| 04/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I applied for my account on XX/XX/XXXX and was approved on XX/XX/XXXX, but then was immediately locked out of my account. I had opened the account under a promotion that gave a {$200.00} bonus after having 3 direct deposit in 4 months, but the first must be within 60 days. I called and emailed, but all they could tell me was that my account was " under review '' and that it could take 60 days. I eventually received access on XX/XX/XXXX and was able to begin normal banking. When I asked about my bonus after having met the requirement, they stated that my first direct deposit occurred later than 60 days. I was unable to access my account for that entire period. They also violated their terms by taking more than 60 days to review my account. I am attaching my correspondence with them via email while I was locked out, and through their messaging system after I had access to my account.
|
| 12/07/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I typically pay this account in full each month by transferring funds from my primary checking account with XXXX XXXX XXXXXXXX into First Tech Federal Credit Union. I called First tech Federal Credit Union on XX/XX/2022 to inquire about an alternate way to pay the account as it would have become past due and was told I had a ten day grace period, and as long as I submitted a transfer request fro a future date there would be no impact to my account. First Tech Federal credit Union then reported this account as 30 days past due. First Tech Federal Credit Union has a copy of my conversation with the representative.
If I hadn't been provided false and misleading information I would have paid the past due amount in some alternative manner to avoid an impact to my credit report, which has no past due payments whatsoever and I am currently in the process of buying a home.
|
| 01/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Hi, I opened a checking account in the First Tech Federal Credit Union for the referral bonus of {$100.00} with a deposit of {$250.00}, so I signed up using one of the links provided by the person. After the successful opening of the checking account, I deposited {$250.00} ( XXXX ) and it's been more than 2 months ever since I deposited the amount. The term said that I need to have {$250.00} for a month until the bonus posts. I never got my bonus and I contacted them via a secured message. Now, they are stating that I need to provide them with the information of the referrer, which I do not have and this was not in the terms for the {$100.00} referral bonus. The term specifically said to open the checking account under their link or with their promotion code and deposit {$250.00}, nothing about letting them know about the referrer 's information.
Thank you.
|
| 07/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
The total was for {$56.00}. I never received product I paid for, and have yet to receive the product. I will never receive it as I was scammed. I informed my bank (XX/XX/2019 ) of this and was issued provisional funds nearly two weeks after my initial inquiry -- this is the default wait time given for an automatic fund release, meaning it was probably not looked at by anyone, or if it was it took them two weeks to take action. Nearly a month later ( XX/XX/2019 ) I was informed that my bank was " unable to process this claim '' and the money was removed from my account putting me at risk for being over drawn. The given reply implies they didn't accept or refuse the dispute, but that it was simply not processed. I was informed they needed more information, so I called and gave the representative the requested info. I was told no further action was required.
|
| 01/05/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
XX/XX/21 checks were issued from a bank and sent to me I received them. I took them to my bank and because of the amount on the checks ( {$160000.00} in total ) the cashier could not process the check because of her cash limit. 7 days later the amount of {$160000.00} hit my bank account balance so that I could put a deposit on a larger loan. I then wire transferred the money to the man in charge of the transaction. 2 days later my bank 's fraud department contacted me saying the checks were fake and that my account is now - {$160000.00} and that the bank could take up to 60 days after it had been processed to my account giving a false sense of security when I assumed the manager processing the check had my best interest. Almost 2 years later this is unresolved and I have not been able to have a bank account since until it is resolved.
|
| 02/28/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
I normally pay my XXXX credit card with direct XXXX from my FirstTech checking accound every month. This time I'm having issues with a {$2000.00} transaction.
When I submitted the transaction FirstTech claims I didn't have enough funds, which doesn't match my transaction statement. XXXX claims First Tech didn't release the funds of this transaction, so they rejected the XXXX. I see that reflected in my transaction history, however FirstTech debited again {$2000.00} that never reached XXXX again, and seems to be lost ( This is my issue, and reason for this claim ). I got an email from XXXX notifying me that the transaction failed. I contacted FirstTech and they claim I should contact BoA what I already did. And was told funds were not released by FirstTech.
TRANSACTION ID XXXX TRANSACTION ID XXXX TRANSACTION ID XXXX
|
| 04/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I closed my loan account with First Tech Federal Credit Union. On the XXXX of XXXX, I sent a secure email to inquire what the process was to close my remaining account. I made no indication I was ready, only that I wanted to understand the process to prepare. The bank immediately closed my account and removed access rendering me unable to obtain tax documents to prepare my 2020 return. I had intended to complete my return before closing my account. The bank sent me a secure message to inform me of this but since they had remove my online access I could not read this. Upon calling them I was told there were some system issues in generating these statements and it would take at least 10 days to process and they would need to be mailed. The bank had no right to close my accounts, I did not give authorization.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to First Tech FCU which is reporting a charged off account of in the amount of {$23000.00}. XXXX XXXX reporting a charge off account for amount {$23000.00}. Another XXXX XXXX is also reporting charged off account in the amount of {$51000.00}. I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.
|
| 01/09/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I had opened a checking and savings account at First Tech Federal Credit Union. After a few months of " inactivity '' the credit union began charging me {$5.00} per month as " inactivity fee. '' When I logged back into my account, I found that my balance had decreased substantially due to the " inactivity fees '' a total of {$50.00}.
I called First Tech and asked for a refund, but they refused.
I find that First Tech 's policy is XXXX to theft. They have no right to take borrowed money from me and appropriate it to themselves simply because it sits in their institution. Isn't the point of banking to lend money to the institution and leave it there?
I opened an account with First Tech thinking that it would be different from big banks that charge fees. I'm disappointed to see that I was mistaken.
|
| 12/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Hi XXXX, I have a First Tech CU banking account and first time noticed an overdraft fee charged, I actually never ask them to honor my overdraft purchase, but they just did that for the overdraft fee, and I asked since this is the first time if I can get this fee waived, and they always answered : " we were unable to reverse since this was not a First Tech error. '' For my understanding, first tech should deny the purchase or text me to ask confirmation for the overdraft purchase, not just let it go through and charge me overdraft fee.
And what's worse is I noticed another overdraft charge 2 years ago which probably a fraud purchase with large amount, First Tech REJECTED the Purchase but still CHARGED overdraft fee, it's totally not fair.
My request is to refund both Overdraft fee of {$66.00}!
|
| 05/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/21 as a 20+ year customer of the First Technology Federal Credit Union I went to the " XXXX XXXX XXXX '' at XXXX Urban Plaza, # XXXX, XXXX XXXX WA XXXX to request my card to be re-pinned. Both the employee in the lobby and the branch manager stunningly asked me to exit the premises on the grounds that my face was not covered. I informed the branch manager of medical exemption laws and those that prohibit unlawful discrimination. The bank manager even proposed conducting the re-pinning in the public area outside! I informed him that what he proposed was preposterous since it would be highly insecure to share private banking information there.
Does the CFPB support banking institutions which put unlawful roadblocks in the way of customers who want access to their capital?
|
| 05/25/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/21-My checking account was disabled.
XX/XX/21-I reached out by phone to First Tech, and was told that my account was frozen, no deposits or withdrawals could be made. I could not speak with the fraud department personally, I would have to correspond through post mail.
The reason I am submitting this complaint is a few factors 1. There is no timeframe for resolution that they stated which they could guarantee.
2. There is no way to communicate with the fraud department, except by post mail.
3. There are oversensitive fraud measures relative to other banks I have used.
3. I desperately need this money to pay my credit card bill. I was consolidating it here from a few different accounts in order to make the payment. The total amount is ~ {$6500.00}.
|
| 01/08/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
" First Tech Credit Union '' is running a scam operation where they charge people for inactivity but make it impossible to close the account.How are they allowed to keep this fraud going?
I have received communications from " First Tech Credit Union '' that due to inactivity in my account they will charge me fees.
I have been living in Virginia for over 6 years and there are no branches in the state - which is why the account has been inactive.
I have made multiple attempts to call ( as I can not physically get to a branch ) to close the accounts.
Just today, I made 3 attempts and was put on hold for 16, 22 and then 27 minutes on hold but had to drop the call because there are other things i need in my everyday life and can not stay on hold forever.
|
| 03/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Monday ( XX/XX/XXXX ' 2022 ), I lost {$4000.00} due to Scam, the scamster called my Wife as immigration Officer and threatened to arrest us if we didn't pay him the pre-bail amount.
As my Wife has a Joint account, she got duped and withdrew Cash from Checkign Account at FirstTech XXXX XXXX, and Gave it to Scamster in Gift Cards.
I immediately Made the Police Complaint at Washington Sheriff Office and Filed a complaint on FTC, same day.
I also made a complaint with the Bank XXXX FirstTech Credit Union Bank, XXXX, OR ) on same Day and following day, i went to bank in-person and again followed up with the complaint, the Bank Manager told me, they can not Refund my Money, as it is a cash withdrawal.
Can you plz let me know, what are my options here?
|
| 06/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
First tech federal took over XXXX out of my checking account to reimburse themselves for someone elses account that was overdrawn. I got my money back after a lengthy phone call and discovered they took my money to cover overdrafts on my ex husbands account that I have never been tied too. Than they had a collection agency contact me to collect the same debt from that overdraft account where I proceeded to explain I have never been on that account. Now that same account that is not mine is being reported on my credit report and in chexsystems causing me to be denied applications. I have never been associated with this account and first tech keeps coming for me over it. My husband has XXXX and I cant keep dealing with first tech messing my life up.
|
| 05/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
This complaint is regarding First Tech federal credit union An account was set up in a real estate closing transaction ( not my choice to set up ).
The account has only {$5.00} in it and as such I have tried to close the account on several occasions. Each time I am assured that the account will be closed, but then I get another statement in the mail, still showing a {$5.00} credit balance.
XX/XX/XXXX Spoke to XXXX who said he would close the account and mail a check in XXXX business days XX/XX/XXXX Spoke to XXXX who XXXX she would " reactivate and close the account '' and that I would receive a cashier 's check in XXXX business days XX/XX/XXXX Called to cancel, I don't have further notes other than that I had received an automated callback
|
| 06/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I opened a checking/savings account with First Tech FCU on XX/XX/2022.
I made several deposits including the following : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$990.00} XX/XX/XXXX : {$1900.00} On XX/XX/XXXX, I received a secure message that my account was temporarily suspended.
I have contacted First Tech a number of times by phone, approximately every 2 weeks, to find out when I will be able to regain access to my account and have been provided no information.
I have received no other correspondence via phone, email or mail since the secure message received on XX/XX/XXXX.
As of the posting of this complaint, it has been XXXX days since access to my account has been suspended.
|
| 10/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I'm not liable for the debt with XXXX XXXX XXXX I didn't enter any contract and I did not sign any paperwork with this company stating that I would pay them or owe them any money. Furthermore, this company has violated my consumer rights by not providing the requested original contract with my signature signed by me within in the time frame set by FCRA. I contacted the original company XX/XX/2023 and declared that this account was opened without my authorization reported unauthorized transactions had occurred with account. As a result, first tech Federal credit Union also violated my consumer rights by keeping the account open then knowingly sold verified identity theft debt to this company.
|
| 08/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am in an approved COVID relief payment option, when i called to see what options were available, i was offered to skip payments for XXXX, XXXX and XXXX. Each month i called and messaged checking on the status, and what options were available after. When i finally heard back from someone in their special assets team ( after over a dozen requests via message and calls to the number XXXX ), i was told i was approved for a reduced payment program, and to pay {$190.00} per month. I promptly made the payment by check ( attached ). Also attached is the XX/XX/XXXX letter confirming my approved payment status.
I received an alert on my credit report today, to see i have been reported 30 days late?
|
| 10/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
|
| 05/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I spoke with XXXX in collections at First Tech Fed in late XX/XX/. We agreed on a payment of {$100.00} per month to pay off debt and to keep the account in-house - not to send it to their collections agency.
No written communication was sent on the agreement.
I week later, I receive a notice from their agency XXXX XXXX saying the debt was sent out to collections.
I called XXXX XXXX, they confirmed the debt was owed to them.
Today, I get a call from XXXX First Tech asking me if I was going to make the payment of {$100.00}.
This is manipulation, obfuscation, an attempt at collecting the debt twice and disparaging my name with the credit bureaus at the same time.
|
| 10/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I ordered a Conure ( bird ) on their website XXXX XXXX XXXX for {$550.00} on XX/XX/2023. There is no credit card payment, just XXXX, XXXX XXXX was the payment method. I was suspicious when I saw that. But still went ahead and payed on XXXX via my bank. Once I paid, they asked for additional {$200.00} for shipping, which I refused to pay as I already sensed scam, they agreed to ship the bird with delivery date as next day. The next day XX/XX/2023, they say the bird is shipped and are asking {$1000.00} for insurance again on XXXX or XXXX XXXX, this time from some fake shipping company. I stopped paying {$1000.00} and now I lost all the money with no refund and no bird
|
| 12/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hi i was suppose to receive a {$100.00} Referral sign up Bonus for opening up the account with a referral please help with this thanks in advance.
Referral used- https : //refer.firsttechfed.com/s/ankitar Terms - " Opens a qualifying checking account ( Carefree Checking, First Checking Plus, or Dividend Rewards Checking ) Deposits at least {$250.00} into the account within 30 days of opening and maintains at least a {$250.00} balance for 30 days from initial deposit First Tech will deposit the rewards into the Membership Savings Accounts of both parties within 30 days of the referred member meeting requirements.
https : //www.firsttechfed.com/pages/refer-a-friend
|
| 02/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
As the owner of the property XXXX XXXX XXXX, TX XXXX.
I only need one Flood Insurance Policy.
My Mortgage company ( First Tech Federal Credit Union ) made a mistake to pay premium for both insurance companies for the year XX/XX/XXXX-XX/XX/XXXX.
I made a complaint and advised them that I was trying to cancel one of the flood insurance and requested them not to send payments to both Insurance companies.
However, they continue to pay premium for both insurance companies for the year XX/XX/XXXX-XX/XX/XXXX.
My home is in the flood zone, so the mortgage company automatically deducts escrow money from my checking account. I have no way to stop them
|
| 11/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
We applied for a loan several years ago with First Tech Federal Credit union for a XXXX XXXXXXXX XXXX. With that loan we elected to purchase and pay for gap insurance. This past month we decided to refinance our loan. A few weeks later, our son rolled and totaled our truck. We were told by a representative from First Tech last week that we had gap insurance. However, when XXXX cut the check for the pay out, there was a $ XXXX gap which First Tech is refusing to pay out because they said that when the vehicle was refinanced a week ago, the gap insurance was not renewed with the new loan. They are not honoring the years of gap insurance that was paid.
|
| 04/20/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XXXX of 2020, First Tech Federal Credit Union removed the ability to add additional payment to your principal when making your normal monthly payment online. I have asked multiple times when this issue will be resolved and the only responses I have received were " the functionality was not working correctly and will return when it can be fixed ''. The removal of this functionality means that a member has to call, wait on hold, talk to a user, explain what you want, and be able to pay additional principal on your loan if they want to pay extra principal. I do this every month and can spend more than 30 minutes per call to get my payment processed.
|
| 06/08/2020 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/2020 I made an online purchase from what I thought was a XXXX affiliated website for an XXXX XXXX for {$300.00}. After the purchase I grew suspicious of the deal and quickly figured out the site was a scam ( the site was taken down within two days of the purchase, but the URL was later purchased by XXXX and now serves as a redirect ). I filed a fraud ticket with First Tech Federal Credit Union ( # XXXX ) including copies of fake confirmation emails. By the time the credit union researched my request, they were unable to find evidence since the URL had been repurchased/remapped to the real website and hence denied my request.
|
| 08/18/2020 |
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
|
|
Web |
|
|
On XX/XX/2020, my First Tech Credit Card was charged for XXXX with two transactions made at XXXX XXXX in XXXX. I've never visited this place and I don't recognize this process. So, I opened a claim request with the FT and they have declined with : " We have reviewed the disputed items you submitted on XX/XX/2020 in the amount ( s ) of {$190.00}, on your First Tech credit card ending in XXXX. Unfortunately, First Tech is unable to process this claim, Claim Number ( XXXX ). " I'm not responsible for those transactions and I don't see why I need to pay for that. The Bank is also declining to share proof that I did the transaction.
|
| 01/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
On XX/XX/XXXX I applied for a pre-approved credit card offer and got approved for $ XXXX credit limit. As of today I have never been sent the card although Ive spoken to several people at FirstTech Federal Credit Union who have confirmed my approval. Furthermore, Ive been the victim of abusive behavior by their representatives who, instead of helping me find out about my card, processed more applications without my consent for other products. This happened when I called XX/XX/XXXX and XX/XX/XXXX. Multiple applications were processed : XXXX, XXXX, XXXX, all I wanted ( still waiting for ) is the card they approved me for.
|
| 06/14/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I continue to receive mail from First Tech Federal Credit Union regarding an account. I have never openned an account with this union. I once received a mail stating I had an account with {$5.00}, I called to be removed from their mailing list and this stopped for sometime. However, I am not sure it stopped because of my call ( which there was no follow up as promised ) or because I moved.
At the time of the call I lived in XXXX CA. I have since moved to XXXX, CA. I even received mail from them when living in another state. Even when submitting an opt-out request on their website I continue to receive mail from them.
|
| 10/11/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
The car was deemed a total loss, and they refused to cash the check my insurance sent them for a year, they sent a tow truck to my brother house to repossess the car that was sitting in the salvage yard and then turned in that the repossessed the car and they never did to negatively affected my credit, the debt collector wouldn't return my calls and wouldn't let me work out a way to pay off my debt and never sent me the information to dispute the debt and neglected to tell me i could do so. this account is no longer in collections and i would like it to be removed from my credit due to the reasons stated before.
|
| 03/13/2020 |
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
|
|
Web |
|
|
First tech federal credit Union is reporting 2 charges totaling {$52.00}. We contacted them to report that was fraud and they said because we did not report within 60 days they can not remove the charge. I called in early XXXX and they said no balance remained and lied to me about the charges. I had them go back and listen to call and they are not acknowledging our conversation and did not record notes about our phone call. I believe they are hiding and trying to pass on the triad instead of closing the card. They are creating a moral hazard of my credit number being used without our permission.
|
| 07/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have contacted this company for the past year starting last XX/XX/2018. I have requested that they First Tech Federal Credit Union send me my monthly statement in the mail. I have visited their company office located at the location below to request my statements be sent in the mail to my home address below. The statements have never showed up and I am concerned with this company reversing my payment and misapplying it to try and mess up my credit.
First Tech Federal Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX
|
| 01/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had contacted FirsTech numerous times requesting them to update my credit and payment information with regard to my loan which was brought to current since XX/XX/2020. Yet as of today, the information has not yet been corrected and i had to finally to escalate the issue in person at one of their locations and was told " it will be taken care of '', which they had said to me many times in the past.
This has causing the delay in my refi with another lender and having them questioning me for the loan status which shouldnt have been an issue had First Tech did their job at the first place.
|
| 12/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted by XXXX XXXX XXXX for a old debt. I am currently disputing the debt with them now. However, they have recently falsely reported inaccurate dates of the debt. They have re-aged the debt to have it appear to be a new account, knowing that this is a old debt. I believe this is an attempt to stop me from getting a proper accounting of the debt through my dispute process with them. This deliberate attempt by XXXX XXXX XXXX is illegal, I have no problem paying monies I lawfully owe, but their attempts is to bully me into paying a debt amount that has not been verified.
|
| 08/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
This is an ongoing issue. They deny a transaction, charge me an insufficient funds charge & then when the same transaction is presented again they charge me another fee for the same transaction attempt. This can happen XXXX to XXXX times this creating a {$33.00} fee into {$66.00} or even {$99.00}. Ive told the bank that this is double/triple dipping & they said they can charge that fee however many times the transaction is presented even if they never pay it for me & over draw my account. Theyve even charged fees & overdrawn it when without the fees it would have been positive
|
| 12/14/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
My First Tech Federal Credit Union - Home Equity Line of Credit was paid off XX/XX/XXXX. I received a letter from First Tech dated XX/XX/XXXX acknowledging the pay off and they had intention to reconvey the lien asap.
I realized in XX/XX/XXXX, they had not reconveyed this as promised. Attempts to contact First Tech Credit Union went unanswered. After I threatened to seek legal counsel they finally sent me a Deed of Reconveyance that was not recorded until XX/XX/XXXX.
For two years, First Tech Federal Credit Union held the lien against my property, without any reason.
|
| 11/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
First Tech was notified that I was permanently XXXX when I attempted to settle the debt for less. The amount that I was able to pay the credit card was {$2500.00}. This amount is the most that I could obtain and yet they advised me to contact them at another month to see if the offer would be accepted. They advised me that not paying the credit would have them attach my social security payment and cause futher damage. The account was sent to a third party who is not willing to honor what First Tech advised and threatend to make my credit worse and inclusive of law suit.
|
| 01/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
|
Completed application only to be placed in an extended holding pattern for approval in. I provided all documentation in a timely fashion i.e., within 24 hours of their request. I was told by the representative with whom i spoke to that I would receive a response within 24-48 hours of their completion of verifying my income as part of the supporting documentation requested. The underwriting department has had my documentation for over 96 business-hours accounting for holidays and has yet to fulfill their word in which they stated they would be reaching back out to me.
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I signed up for a campaign with first tech bank which requires me to deposit {$3500.00} per month to qualify for a {$500.00} bonus. While under the small fine print, it says I have to deposit {$3500.00} more than trailing 365 days average deposit, the entire website/app doesn't provide me a way to look up my average deposit amount. While I did deposit {$3500.00} per month for required months, I was later denied of my bonus as they told me that I was not qualified as I was ~ {$50.00} short due to having non-zero trailing 365 days average deposit.
|
| 08/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
To Whom it May Concern : I am very concerned that First Tech Federal Credit Union have violated the Fair Credit Reporting Act by placing a hard inquiry on my XXXX credit report without my consent. The FCRA permissible purpose provisions specify that you must document your reasons as well as my consent for placing a hard inquiry on my report or remove the inquiry. Please have First Tech Federal Credit Union provide documentation of my consent for any inquiries placed on my credit report or remove them immediately.
Thank you, XXXX XXXX
|
| 08/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened a checking account on XX/XX/XXXX and there should be two welcome bonuses, totalling {$700.00}. I have not yet received any of that. I believe that I have met the requirement for that bonus.
I contacted the banker who opened my account, XXXX XXXX, three times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). XXXX promised to investigate and get back to me by the end of the day during the second contact, which never happened. XXXX has not responded to my follow up email on XX/XX/XXXX and it has been 20 days since the initial inquiry.
|
| 01/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American, Servicemember |
|
Voluntary surrendered vehicle which was auctioned off with a balance of {$20000.00}.
Spoke with XXXX XXXX XXXX XXXX, stating unable to pay off balance because I am no longer working and have been diagnosed with a very high aggressive XXXX XXXX.
I have asked them to stop sending letters/certified letters to me via XXXX mail. They have continued to send certified letters. I am in the process of sending them I am in the process of sending them a certified letter stating to stop all types of mail contact with effective date XX/XX/2019.
|
| 08/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My loan was obtained through XXXX as broker and through First Tech Federal Credit union. The deposited proceeds from the loan hit my bank account on XX/XX/22, however the amount being paid directly to credit cards have not been applied, nor are there scheduled payments showing. This means I am paying interest on the funds to First Tech and to the respective credit card companies.
XXXX - Loan Approved and Promisory Agreement Signed XXXX - Proceeds deposited into my checking account XXXX - Direct payment to cards still not posted.
|
| 11/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I have had nothing but issues with this bank since the day I got it. They held my irs check for 2 weeks. Then my account was emptied. XXXX was taken after they said they sent me a new card in the mail. So I got rid of the first card. The new card was the same as the first card and my account was emptier. I called the XXXX and told them I don't have XXXX XXXX or XXXX and they didn't do anything since on the XXXX someone took the last XXXX I had. They denied my claim saying it's unfounded but if that's the case where is my XXXX
|
| 12/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I experienced a break in in XX/XX/2015. My wallet was stolen as well as my DL and SS card, and other personal items. After review of my credit reports several loans and credit cards were open in my name. I have the fraud alert now on my file. This auto loan from First Tech is a result of fraud. I have submitted documentation and have disputed the inaccurate reporting of this negative item which is causing me damages and defaming my character.This action is a violation of my rights as a victim of identity theft under the FCRA.
|
| 12/24/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am a customer with XXXX XXXX XXXX XXXX for my home mortgage. My monthly payment is XXXX and I pay through automatic payment each month. However, on XXXX, my month payment increased to XXXX due to XXXX changes. I did not aware of this payment increase. On XXXX, I realized my automatically XXXX payment was returned by XXXX XXXX, because their system can not process partial payment, and they charge {$220.00} as late fee. I called the bank and asked them to refund me late fee many times, they rejected the request.
|
| 10/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received an email from First Tech Federal Credit Union ( XX/XX/2022 ) that I opened a banking account with them, but I never did. I recently received information in the mail ( XX/XX/2022 ) about opening an account and financing my loans and that they have deposited {$5.00} in my account. I have never contacted them about anything regarding opening an account. I have tried calling them, but they still did not close my account, stating that I would have to call during regular hours.
|
| 03/16/2021 |
No |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
First tech bank has reverse a dispute leaving me in negative - {$650.00} I have sent them proof of the valid dispute and they just dismissed it I tried fixing this problem for months I have pending deposits they already rejected a deposit. I trusted this bank and its causing me so many inconvenience. They have done nothing to help me resolve that issue even if I sent proof to them over and over again. They charged off my account even if there was a dispute investigation going on.
|
| 11/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX, FIRST TECH FCU add a hard inquiry on my credit report per XXXX.
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/XXXX, XXXX/XXXX XXXX add a hard inquiry on my credit report per XXXX.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 05/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Someone used my information to open accounts at First Tech Federal Credit Union and now they sent my information to a collection agency who has harassed me into paying money on a fraudulent opening account, Ive filed complaints with them and the XXXX, they refused to correct this and went ahead and reported this to my credit!! This account was allowed to be opened even though Ive a fraud alert and frozen my XXXX, they still opened it and allowed transactions.
|
| 08/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
During the process of opening a check account, their online system instruct me to transfer money to the new account using XXXX. I provided the authentication information and XXXX accepted without error.
I asked the bank what's next for me to do. The told me just to wait.
3 days later, First Tech charged me {$33.00} because the transfer didn't succeed.
During the whole process, I wasn't informed there might be a penalty.
My account number is : XXXX
|
| 11/06/2023 |
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
|
|
Web |
|
|
I filed a dispute with my bank ( First Tech Credit Union ) regarding a charge on my credit card and they deemed the transaction as no error was made but the merchant was never received the funds. I explained to my bank that the merchant has confirmed several times that they did not receive their money. I again spoke with my bank as to what happened to the money and they will not give me an answer. They keep repeating to me that the dispute is closed.
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX XXXX I checked my Credit Report on Credit Karma and I found that there was an unauthorized hard inquiry on my XXXX Credit Report. The company was XXXX XXXX XXXX XXXX XXXX from someone checking my credit report to proceed with a loan from this company. I did not authorize a check on my credit to get a loan from this company. I have not reached out to this company yet but I will to let them know that this is fraudulent activity
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act First Tech account # XXXX has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/15/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I've already told First Tech Federal Credit Union that I have a pandemic-related financial hardship. Why First Tech Federal Credit Union is still charging me late fee and reported the late to my credit report?
They waived the late charge but they didn't correct that late payment to my credit report according to https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/learn-about-forbearance/
|
| 01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
First Tech Credit Union resolved a problem with my credit Card. The amount paid was settlement on the account. I presently show that a balance of {$5000.00} is due. This is inaccurate and should be corrected.
XXXX The merchant was contacted and the company hired to deal with the incorrect balance was removed due to their tactics. This error was done by XXXX XXXX who sent me elsewhere while I had a open dispute.
|
| 09/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened an account with First Tech Credit Union a week ago, the only transactions on the account have been from my other bank account with my name on it. Today I received a message they have locked and froze all my accounts with them due to fraud! Literally the only transactions associated with this account have been from another account at one of the largest banks in the world in my name.
|
| 08/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have an account with First Tech Credit Union., In XXXX 2020 First Tech Credit Union reported a 30 day late payment on my credit card account.
The XX/XX/2020 Late Payment is incorrect as I have this account set up on Auto Pay. I have contacted First Tech by mail, and by phone, They have not corrected the late payment, and this late payment is causing me problems in refinancing my home.
|
| 09/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/2017 a First Tech credit card was opened on my behalf without my authorization. This card has been recognized as an issue on their behalf and stated as a collection on my report when this was not of my doing. This is hurting my score please take this off as soon as possible. I am trying to buy a home for my family during this hard time and this is not making it any easier.
|
| 11/27/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened without my consent or knowledge
|
|
Web |
Servicemember |
|
I recieved a phone call stating that I applied load with First Tech Credit Union in XXXX.
I never applied for a loan nor am I a member of the credit union. I live in XXXX XXXX
I recieved a letter from the credit union and for all of my personal information and I have called the credit union to try to resolve the issue. With no luck. So I wanted to report it to the FTC.
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello CFPB team.
XXXX XXXX, XXXX and XX/XX/2023 I did a pre-approval and check my rates.On their website states that " Checking your rate will not affect your credit ''. I was approved, followed by hard inquiries and then they send me denial emails. I would not accept an offer if I would not be approved. In my humble opinion this is not a fair transparent pre-approval.
|
| 02/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
Made {$4000.00} in deposits by mobile check deposit, and checks cleared out of bank into my new account. Bank suspended debit card and atm and frozen account and kept my deposits. I reached out and been hung up on multiple times. I complained to report them and First Tech Federal credit union said do it no one will do anything. They have had funds for a month now.
|
| 07/21/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX has added to my report .. i have never had any dealing with first tech credit union in 3 years. all of a sudden they reopened a loan that was charged off or 3 years, then they open an new account in my name on there own and sends it to collections.
There is not documents on me because i never had this loan nor have i had any dealings with them
|
| 12/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
First tech federal credit Union refused to return funds to me exceeding {$800.00} even when the merchant initially responsible for the charge was not taking steps to contest my dispute. I dont understand why a credit union would act this way, and until resolved XXXX XXXX am not able to trust first tech with my finances. They XXXX XXXX {$800.00} from me!
|
| 08/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Greetings, I recently opened a bank checking and savings account with First tech federal credit union and within XXXX days had account frozen. My cash balance in accounts are unavailable and I couldnt afford to buy food.
I sent email and called twice to verify Im the account holder but they have continued to extend timeframe for account freeze.
|
| 07/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I noticed debt on my credit report that wasnt mine. THIS DEBT IS A RESULT OF FRAUD. The creditor is First Tech FCU and the amount is over $ XXXX. I filed a identity theft report with the FTC and diputed this account as fraud. I notified First Tech FCU and I am now getting collection notices from XXXX XXXX XXXX on behave of First Tech FCU.
|
| 12/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
My account got hacked. Bank denied access, blocked autopay accounts. It has been over a month and is drastically affecting my health and my life. Had checks bounce to IRS and others. I wasnt notified when all this went on. It took a month to find out my account number was changed. Bank had me change user id and password. It worked once.
|
| 12/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I applied for a personal loan with First Tech Federal Credit Union on XX/XX/XXXX for $ XXXX. Online advertised 24 hours loan approval decision, and its been 84 hours, and I have not gotten the loan approval from the XXXX XXXX.
I was advised that I would get the approval within 24 hours from the Financial Representative helping me.
|
| 07/11/2023 |
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
|
|
Web |
|
|
I applied credit card with First Tech Credit Union. They turn down my credit application, the reason is I am having {$220000.00} credit available ready to use. My XXXX score is XXXX, with under {$15000.00} credit debt, {$160000.00} balance mortgage loan. No car loan. I believe this is unfair business practice and discrimination.
|
| 05/11/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I am trying to remove myself from a joint savings account that I am on with my ex-husband. I am being told that I do not have authority to do so without his signature. He will NOT cooperate. I do not need the account closed I just need to be removed before he stacks up fees that I will be liable for because he will not pay fees.
|
| 06/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/2022, I submitted a request to transfer money out of my First Tech Credit Union checking account to an external account. On XX/XX/2022, the bank canceled the transfer, froze my account, and indicated that it is under review. I have not heard anything from XXXX, and telephone representatives have been unable to assist.
|
| 10/27/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I was charged a {$33.00} fee for an ACH transfer fail on XX/XX/2021. The fee is completely new that was implemented on XX/XX/2021 with no notification. I don't understand why the fee is so high when a return check is only {$12.00}. It's the first time it has happened and when asked for a courtesy refund the bank refused.
|
| 12/19/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
unauthorized transactions were done on my First Tech Credit Union credit card and reached out the bank for the same and flagged these transactions as fraud on XX/XX/2023. Moreover my account details ( Login User ID, Password, Phone number and mailing address ) has been compromised without my consent and intervention.
|
| 10/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
First Tech has refused to close my account. They continue to add overdraft and NSF fees for transactions that are repeatedly attempted. They've added {$99.00} in fees so far.
I want to pay the balance but not the fees that never would have been added had my request to close my account been honored.
|
| 12/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
My card is supposed to be set to decline if funds are low. I made a transaction to another account because my account said I had available funds at the time, because their system is slow to update. They charged seven overdraft fees totaling over {$170.00} for {$35.00} each for the same transaction.
|
| 04/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Somebody applied for a card in my name at First tech credit union. I am asking the application be closed and the inquiry placed on my credit report be removed. I called FTCU and asked information be removed but representatives said Sorry we can do nothing and hung up.
|
| 05/28/2023 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
This is account advises that I opened XX/XX/XXXX. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/XXXX.
|
| 07/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
The following unauthorized charges were debited from my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a dispute and they did not resolve it. I did NOT make these charges and I want my money credited.
|
| 11/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
The credit card XXXX XXXX XXXX XXXX XXXX. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit. Application number is XXXX
|
| 04/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Someone was able to open an account using all my information with First Tech Federal Credit Union. They used this account to wire money out of my XXXX account into this other account. I spoke to First Tech myself and they are doing an investigation.
|
| 12/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
There is a late payment showing on my account which was a result of issues with my personal checking account and the online payment portal for first tech not working. I have never had a late payment and this should be reversed and not on my credit
|
| 04/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
An account was open in my name without my knowledge. I called to close the account and they said I couldnt without filling out a form. The form was asking for personal information that I dont feel I need to give because I never opened the account.
|
| 08/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I was charged multiple overdraft fees while being enrolled in overdraft protection waiting for a direct deposit that posted to my account within a few hours. I feel like this institution is practicing very predatory behavior.
|
| 08/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have submitted information and spoke to managers @ XXXX and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
|
| 03/14/2023 |
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
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
|
| 11/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
This financial institution took money out of my checking account to offset my credit card, and closed all of my accounts with them. From what i understand they are not aloud to offset credit card debt like this.
|
| 11/27/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
|
| 04/27/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
First Tech Federal STOLE {$15.00} from my savings account. I've NEVER had any problems with them in the XXXX years that I had the account open with them.
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I was never late on any of my credit card payments back in XXXX and XXXX of 2017! Please either remove the late payments or the entire account! Thank you
|
| 07/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently check my credit and seen that I had inquires that I didn't not recognize from multiple companies who pull my credit without permission.
|
| 01/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
Told them couldnt pay because of Covid. Trashed my score and withdrew thousands from my checking to pay for the credit card without my consent.
|
| 12/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
First Tech Credit Union was paid off on last month and account was closed but they are reporting an open account with a {$5000.00} balance.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
First tech the balance I have was included in my chapter XXXX bankruptcy and they saying I still owe them and this is very impossible
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
i did not authorize theses hard inquiries that are reporting on my credit file
|
| 01/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
Received a letter about an overdraft on an account at a bank I do not know
|
| 02/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/13/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 02/13/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 02/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/30/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 01/26/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
|
| 01/24/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/05/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Phone |
Servicemember |
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Referral |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/17/2023 |
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
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 10/25/2023 |
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
|
|
Referral |
|
|
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 09/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
Older American |
|
|
| 09/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 09/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 09/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Referral |
|
|
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
|
| 08/21/2023 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 08/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 08/07/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
|
| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 08/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 07/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 07/28/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Confusing or missing disclosures
|
|
Referral |
|
|
|
| 07/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
|
| 07/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
Older American |
|
|
| 06/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 06/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Referral |
|
|
|
| 05/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Postal mail |
|
|
|
| 05/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
|
|
|
| 05/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 05/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 04/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 04/18/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
|
| 04/12/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 04/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/05/2023 |
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
|
|
Referral |
|
|
|
| 04/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Referral |
|
|
|
| 03/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 03/29/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Servicemember |
|
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 03/24/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/23/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 03/22/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 03/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Referral |
|
|
|
| 03/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Referral |
|
|
|
| 03/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
Older American |
|
|
| 02/25/2023 |
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
|
|
Web |
Older American, Servicemember |
|
|
| 02/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 02/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 02/08/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 02/06/2023 |
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
|
|
Referral |
|
|
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/13/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/11/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 12/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 12/28/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 11/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 11/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 11/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Referral |
|
|
|
| 09/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 09/29/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 09/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/07/2022 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
Older American |
|
|
| 09/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Phone |
Servicemember |
|
|
| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 08/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 08/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/01/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Phone |
Older American |
|
|
| 08/01/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 07/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 07/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American |
|
|
| 07/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 06/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 06/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 06/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 06/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Referral |
|
|
|
| 06/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/06/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/27/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 03/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 03/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Referral |
|
|
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 02/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/10/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 02/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 02/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 01/26/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 01/19/2022 |
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
|
|
Referral |
|
|
|
| 12/25/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
|
| 12/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 11/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 11/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/16/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Referral |
|
|
|
| 11/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 11/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 10/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 10/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 09/21/2021 |
No |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Referral |
|
|
|
| 09/21/2021 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Referral |
|
|
|
| 09/03/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/02/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 09/02/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 08/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 08/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 07/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 07/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 07/06/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 06/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Referral |
|
|
|
| 06/11/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 06/09/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 05/24/2021 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 05/24/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 05/20/2021 |
No |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 05/19/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Referral |
|
|
|
| 04/29/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 04/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 04/28/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/22/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 04/21/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 04/20/2021 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 04/17/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/09/2021 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 03/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/11/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 03/11/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 03/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Referral |
|
|
|
| 03/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 03/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 03/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 03/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/20/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 02/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 02/18/2021 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/10/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 02/03/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 02/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 02/01/2021 |
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 |
|
|
|
| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 01/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/14/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 01/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 01/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 01/04/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 12/28/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/23/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/11/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
Servicemember |
|
|
| 12/08/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Referral |
|
|
|
| 12/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 12/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 11/30/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/23/2020 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/19/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/19/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 11/14/2020 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 11/09/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 10/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 09/15/2020 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 09/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 08/31/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 08/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 07/28/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 07/23/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/15/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 07/03/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/10/2020 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 06/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 05/06/2020 |
No |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 05/04/2020 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 04/27/2020 |
No |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 04/16/2020 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 04/15/2020 |
No |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
|
| 04/14/2020 |
No |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 04/02/2020 |
No |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
Servicemember |
|
|
| 03/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 03/26/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 03/25/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
|
| 03/11/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 03/06/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 03/02/2020 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Referral |
|
|
|
| 02/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/24/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 01/17/2020 |
No |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Referral |
|
|
|
| 01/15/2020 |
No |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
|
| 01/12/2020 |
No |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 01/06/2020 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 12/26/2019 |
No |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 12/18/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 12/17/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 12/12/2019 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 12/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 12/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 10/28/2019 |
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
|
|
Web |
|
|
|
| 10/23/2019 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 09/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 09/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 08/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 08/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Referral |
|
|
|
| 08/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 08/01/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 07/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Referral |
|
|
|
| 07/08/2019 |
No |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 07/01/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Referral |
|
|
|
| 06/20/2019 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 06/07/2019 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 05/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Phone |
|
|
|
| 04/29/2019 |
No |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
|
| 04/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 04/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/26/2019 |
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
|
|
Phone |
Older American |
|
|
| 03/18/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 02/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 02/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 02/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 02/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 01/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 01/29/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
|
| 01/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 01/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 12/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 12/19/2018 |
No |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 12/18/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem using a debit or ATM card
|
|
Postal mail |
|
|
|
| 12/13/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 11/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Referral |
|
|
|
| 11/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Postal mail |
|
|
|
| 11/07/2018 |
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
|
|
Referral |
|
|
|
| 10/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 10/10/2018 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
|
| 10/02/2018 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 09/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 09/24/2018 |
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
|
|
Referral |
|
|
|
| 09/21/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Referral |
|
|
|
| 09/18/2018 |
No |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 09/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/10/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Referral |
|
|
|
| 09/04/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Referral |
|
|
|
| 09/04/2018 |
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 |
|
|
|
| 08/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|