| 07/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XXXX of XXXX, I fell behind on my auto loan payments due to financial hardship. In XXXX, my sole income was Unemployment benefit payments due to Covid19. It was about that time that I fell behind on many of my bills so I decided to contact Golden One credit union, regarding my auto loan payment, which was only a few weeks past due. I advised the representative that although I was behind due to hardship, my intent was to make any efforts in keeping my auto as it is my only source of transportation. I continued to make payments on my loan as I could.
On XX/XX/XXXX, I called Golden One to explain my hardship and to request assistance from them as far as a payment deferment on my auto loan so that I would avoid the loan from going into collection or repossession. I spoke to XXXX XXXX she explained to me that the credit union did have a payment deferment due to hardship and that she would send me the application via email.
I received and completed the application and mailed it directly to Golden One member services.
On XX/XX/XXXX I called Golden One to check on the status of my loan deferment application. I spoke to a gentleman who stated that the application was pending documents. I told him I had already mailed them to Golden 1 directly, but that I would re-submit the documents via email.
I then told him that I also wanted to make a payment over the phone towards my Auto Loan in the amount of {$380.00} ( which is my regular monthly payment ) I told him that I had to make a split payment using two different cards. He was to charge my first card in the amount of, {$300.00} and the remainder balance to charge the second card that I provided to him.
I later discovered that the representative incorrectly applied the first payment of {$300.00}. Instead of applying the payment towards my auto loan, he applied the payment towards my Golden One Visa Credit Card, which had been delinquent and closed for months, and I had not been making payments on it. Regarding the second payment he did not process that payment. In the end, the only payment that was applied was the {$300.00} and that wasnt applied to my auto loan, which caused my auto loan to fall further behind than I anticipated.
On XX/XX/XXXX I called Golden One to inquire on my deferment application and I spoke to a representative by the name of XXXX. XXXX told me that my application was denied due to No Income.
I told XXXX that I did have income that I was receiving unemployment benefits. She told me to mail in those documents. I explained to XXXX that I had mailed them and emailed them to Golden 1 already, but that I would mail them again.
On XX/XX/XXXX I called Golden One regarding the status of my application for deferment, I spoke to XXXX XXXX, who told me that they did not receive the documents that I mailed and they did not receive the documents that I stated that I had emailed.
I told her that I would resubmit the documents to them again.
On XX/XX/XXXX I received an email from Golden One representative, XXXX XXXX XXXX stating that my application was denied due to maximum deferments reached.
On XX/XX/XXXX I called Golden One to try and reach an agreement with them regarding my past due balance on my loan and I explained to them that I was receiving different responses from different representatives. And that I was under the impression that my application for deferment was in a pending status. I also explained that I was making payments towards my auto loan but my previous payment had been misapplied causing me to fall further behind. The representative told me there was nothing that they could do on their end to correct the misappropriation of funds.
On XX/XX/XXXX I received an email from XXXX XXXX stating that my request for assistance was denied due to them not receiving the documents by the deadline of XX/XX/XXXX. She also stated that my application was missing documents.
At this point I am even more confused because I had just been notified that my application was denied due to maximum deferment reached.
On XX/XX/XXXX I reached out to Golden one via email because I was confused about the contradicting statements regarding the status of my hardship application. I informed them that I was paying on my auto loan, and I intend to keep the vehicle.
I sent an email to Golden One in efforts to appeal the decision they made on my hardship application, as I did submit all the documentation they requested, and I was unfairly denied.
On XX/XX/XXXX I called Golden One requesting that they provide me answer regarding the payment that was incorrectly applied to another account. I asked if they received my appeal on their decision. I spoke to XXXX XXXX, who stated that I did not qualify for that initial hardship application but that they had another program that could possibly help me and that all I had to do was submit the required documents required to them again. I told her that I have been sending the documents over and that I have been making payments towards my auto loan but I was not current on the loan. She stated that they could help me but that I needed to submit documents to them again. As far as the payment I made in XXXX she said there was nothing that could be done regarding the misplaced payment.
On XX/XX/XXXX I called Golden One and spoke to XXXX, in Member Care. I told her if she could take a look at my auto loan and tell me if they received my appeal and also if they received the documents I mailed to them. She told me there were no notes on my auto loan account regarding any appeal. She began to speak to me in a rude tone and she was being very short with me. I told her that I would like to make a payment towards the loan over the phone. She told me that she could not take my payment over the phone because my account was past due and that unless the payment amount was the full past due balance that she could not take a payment if it was less than that and that further payments would have to be completed in person at a Golden1 Branch. I told her that going out to a branch to make the payment would create a further hardship for me because there are no local branches where I live. I have to make a long distance drive to the closest branch.
I felt that XXXX was being very rude to me and she was making me purposely upset, she constantly placed me on long holds. When she came back on the line I asked to speak to a different representative. She transferred to the call to XXXX. XXXX stated that she was going to look into the account and give me a call back. But that she could not process a payment for me over the phone for my auto loan.
On this day I sent an email to XXXX at Golden One loss mitigation department explaining the situation to her and why I felt that I was being treated unfairly.
The following day, XX/XX/XXXX I drove out of town to the branch located in XXXX and made a payment in person. This is the payment they refused to take over the phone. At this point I am extremely overwhelmed and I am beginning to feel that Golden One does not wish to assist me with any hardship and that there intention was to close my auto loan account.
On XX/XX/XXXX I made a payment at the branch for {$360.00} because that is all that I could afford at that time.
On XX/XX/XXXX I called Golden One to check the status of the loan and spoke to XXXX. I asked her if she could help me regarding the missing payment misapplied on XX/XX/XXXX. She told me that they would look into the payment and call me back. I did not receive a call back regarding this.
On XX/XX/XXXX I walked into the Golden One branch to make a payment on my auto loan in the amount of {$400.00}. The bank teller informed me that my XXXX XXXX Account had been closed and is now in a charge-off status. I told her that I did not understand why they charged off my loan if I had been making payments towards the loan and I had been in constant communication with them. I had not receive any notices from Golden One regarding their intent to charge-off my loan. I was under the understanding that a loan modification application was pending, this was the second application that XXXX sent me in XXXX. She told me the account was closed but that she could process a payment towards my auto loan but that it would be deposited into my savings account and then manually transferred over by them to my auto loan. I asked her if they could reverse the charge-off as I believe they made a mistake. She processed my payment and told me that there was nothing they can do.
On XX/XX/XXXX I called Golden One and asked to speak a manager in the auto loan department. I was told that the manager, XXXX, was in a meeting and that he would call me back.
On XX/XX/XXXX I received a call from XXXX, he was very short with me and told me that I had been given many opportunities to catch up on my loan and that because I had failed to do so, that my auto loan was charged off and that I needed to pay the past due balance on my auto loan in the amount of {$1500.00} by XXXX pm that following Monday. I explained to XXXX my financial hardship and my pending loan modification application and he told me that was no longer an option.
On XX/XX/XXXX After my phone call with XXXX, I received a call from XXXX XXXX, she began speaking to me using a rough tone and warned me that if I was recording the phone that she was going to hang up, ( almost screaming ) at me. She was reprimanding me over the phone going on about how I had been given many opportunities to bring my auto loan up to date and that I had been been misinformed about the opportunity at a loan deferment. She stated that she had corrected the payment that was misapplied on XX/XX/XXXX. I told XXXX, that if my payments had been applied correctly my account would only be 3 months past due and that a charge-off was unfair.
She stated that there was nothing that can be done and that I must pay the past due balance of {$1200.00} by XX/XX/XXXX to avoid repossession of my vehicle.
After the phone call, I was in distress, I called my family and I was able to borrow the past due amount. I drove the following day to the branch in XXXX and made the payment in full in the amount of {$1200.00}. On the receipt the payment indicates applied to my savings account and they were going to do the transfer from their end. At the top of the receipt see my loan # XX/XX/XXXX I received a letter from Golden One titled, Notice of membership termination. The notice stated that I had the option of paying the total amount past due and membership with the option to prevent termination by paying the total past due and submitting a letter requesting not to terminate. I replied to Golden One, I had already paid them the past due balance and I submitted a letter to them requesting them not to terminate my membership with them.
XX/XX/XXXX I received a letter from Golden One titled Final notice of termination, it provided me with the option to object termination in writing. I submitted a letter to Golden One in writing appealing their decision to terminate my membership.
On XX/XX/XXXX I called Golden One Member Care and spoke to XXXX. I told him that I was under a lot of stress and that I felt that I had been treated unfairly by Golden One. I felt that my car was in the process of being repossessed and that I no longer felt that Golden One was trust worthy or clear in the practices and that my auto loan had been unfairly charged off without due notice.
XX/XX/XXXX On this day, I received a statement from Golden One indicating that my auto loan had been closed. They did not send me any other notice regarding my loan modification application.
Currently I am making payments towards my loan. Although I am still unemployed due to a medical XXXX aggravated by XXXX, I have been making payments towards my loan and I have maintained them current.
I recently checked my credit report and noticed that my auto loan with Golden One is now in a charge-off status on my credit report. Golden Ones quick decision to charge-off my loan has caused me a financial loss. I am writing this complaint in the hopes that my auto loan charge-off could be reversed and reflect the status as paid current. I feel that I could not trust Golden One and that they might repossess my vehicle unjustly at their will.
Please help
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| 08/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
Older American |
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Re : Complaint by XXXX vs The Golden 1 Credit Union XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX-XXXX Flood Insurance Declaration ( XXXX XXXX XXXX ) Policy # XXXX Policy Period : XX/XX/XXXX XX/XX/XXXX Premium Paid to XX/XX/XXXX: {$450.00} Homeowners Policy ( XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ) Policy # XX/XX/ Policy Period : XX/XX/XXXXXX/XX/XXXXPremium Paid to XXXX : {$1300.00} G1CU, 1st Position First Mortgage Loan # XXXX G1CU, 2nd Positon Home Equity Loan Loan # XXXX My husband ( XXXX ) and I purchased our home in XXXX XXXX in XX/XX/XXXXand have resided in there ever since.
After Flood Insurance became mandatory, we purchased it thru our Home Insurance carrier, XXXX and continued as notified, to pay for that coverage thru XXXX ever since ; with our most recent renewal being XX/XX/XXXXand we expect to renew our policy in XX/XX/XXXX.
Same applies for Hazard Insurance. We purchased it thru our Home Insurance carrier, XXXX and continued to pay for that coverage thru XXXX ever since, with our most recent renewal being XXXX XXXX.
Since XX/XX/XXXXthe process we have used for paying our flood insurance and our Home Owners Insurance ( Hazard ) has been followed with no problem until XX/XX/XXXX.
We contacted XXXX, and they assure us, in a timely manner, they forwarded to the Golden 1 Credit Union ( G1CU / G1 ) proof of our coverages on property located at XXXX XXXX XXXX, XXXX, CA XXXX. We have no reason to doubt them, because for the past 20 years they have billed us, we have paid them and no word from G1.
XX/XX/XXXX, G1CU sent their first form letters to us, stating we are not in compliance with Flood Insurance and since then ( XX/XX/XXXXand XX/XX/XXXX) we have received two more letters, another one regarding lack of Flood Insurance and the last letter, the lack of Hazard Insurance and those letters state both insurances are expired etc. and they will charge us to place insurances on our two mortgages ( outrageous amounts ).
In conclusion, since XX/XX/XXXX( nearly 20 years ), XXXX XXXX XXXX, the facilitator, has provided the Golden 1 Credit Union , the mortgagee, with proof of insurance coverages on our residence.
The process went smoothly until XX/XX/XXXX, at which time the G1CU began sending us threating and confusing form letters ( mostly unsigned ) stating we are not in compliance with the Federal guidelines and subject to harsh repercussions.
We are long-time G1CU customers and it would have been nice if someone had first reached out to us to inquiry instead of thrusting forth as they have, giving the impression we are guilty of failing to abide by the rules we signed when obtaining our mortgage loan.
XX/XX/XXXX, my husband will be XXXX, and in XX/XX/XXXXthe same year, I will be XXXX. The balance on our first mortgage is $ XXXX/XXXX and the balance on our equity loan is {$0.00} and our property is worth a lot more.
Upon receiving G1s first letter, we contacted XXXX, who assured us they have provided G1CU with proof of our insurance coverages and upon our insistence, three more times, XXXX again provided G1CU with documentation and we doubt XXXX is lying.
When we visited the G1CU XXXX Branch, the representative made a copy of the Flood Policy we brought along and forwarded it to G1s Insurance Department. A day or two later, I spoke to XXXX XXXX, G1s Insurance Department Manager, and he verified being in possession of the policy declaration and volunteered that many customers are having the same problem as us and XXXX said he wrote a memo suggesting changes to G1s procedures. We believe G1 has changed procedures, gotten a new computer etc. and G1s lying and has received proof of our coverage.
We just hope somebody takes the time to read and understand all this stuff. On one side, we have provided plenty of evidence that weve complied with our flood and hazard protection requirements and, on the other hand there is plenty evidence that were being unduly harassed.
There must be something less than legal or ethical going on someplace, given were both seniors and we wonder if we should seek a good lawyer.
We dont know for certain, but it would seem the Golden 1 has recently made changes in personnel or policies or contracted with an incompetent 3rd party for servicing / insurance because suddenly they are not receiving our insurance policies from XXXX This issue must be resolved and soon.
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXXXXXX.XXXX ( XXXX e-mail XXXX.XXXXXXXXXXXX.XXXX ( XXXX e-mail ) XXXX XXXX XXXX XXXX Home / Landline OK to leave voice message XXXX XXXX XXXX XXXX Fax HISTORY DETAIL XX/XX/XXXX, as every year for the past 20 years, my husband and I received a renewal billing from XXXX Insurance for payment of our Flood Insurance and we promptly paid and soon received the attached Flood Policy Declaration that shows the Policy Period of XX/XX/XXXXXX/XX/XXXX.
XX/XX/XXXX, as every year for the past 20 years, my husband and I received a renewal billing from XXXX Insurance for payment of our Homeowners Insurance and we promptly paid and soon received the attached Hazard Policy that shows the Policy Period of XX/XX/XXXXXX/XX/XXXX.
XX/XX/XXXXand XX/XX/XXXX, as every year for the past 20 years, XXXX promptly delivered to the Golden 1 Credit Union ( G1CU, mortgage lender ) the same Flood Policy Declaration and Homeowners Policy which G1 requires on our First Mortgage and Equity Line of Credit.
XX/XX/XXXX, from XXXX XXXX, G1CU Insurance Services Manager, we received the attached letter via USPS.
Per XXXX letter : A review of your loan ( doesnt state which loan ) indicates the flood insurance on your property has expired.if you do not respond within 45 days, we will purchase on your behalf, the premium in the amount of {$1000.00} ( includes a policy fee of {$49.00} ) will be added to your loan We contacted our XXXX agent, who promptly sent three ( 3 ) additional copies of current Flood Insurance Declarations to Golden 1, with the expectation they would assure their loan servicing agencies to update their paperwork to show compliance with Flood Insurance requirements.
We discussed all this with the Golden 1 insurance department employee ( XXXX XXXX ) who had initiated the XX/XX/XXXXletter and he indicated to us that all parties should now have the proper / correct paperwork, and that we are not the only ones who had the problem and he has written a memo suggesting changes XX/XX/XXXX, I sent an online message to the G1 as follows and attached From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XXXX XXXX, XXXX XXXX:XXXX XXXX To : XXXXXXXX Subject : Complaint re Flood Insurance ; Attn : XXXX XXXX Importance : High 1. Complaint Letter re Flood Insurance 2. XXXX Flood Policy Declaration 3. Copy of G1s XXXX letter XXXX, NOTICE OF FLOOD INSURANCE REQUIREMENT ( 2nd letter received from G1CU on XXXX by USPS ) The unsigned form letter goes into great detail about the Federal law requires lenders to ensure that flood insurance is obtained and maintained for properties located in a Special Flood Area ( SFHA ) etc., talks about FEMA and demands we send proof of flood insurance coverage to : Golden 1 Credit Union Its Successors and/or Assigns ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX-XXXX XXXX, my husband and I went into G1s XXXX Branch. We met with XXXX XXXX, Member Relationship Specialist, at the branch ( Phone : XXXXXXXX1 Ext # XXXX, E-mail : XXXX XXXX XXXX assured us G1s error would be corrected. XXXX, XXXX XXXX, XXXX XXXX sent me an e-mail message, copied G1s Insurance Services also attaching a copy of our Flood Insurance Declaration to her message.
XXXX, XXXX XXXX, XXXX XXXX copied me on her email to XXXX XXXX which said : I will forward this over to XXXX. Contact info for XXXX XXXX : Insurance Services Representative, Service Operations Golden 1 Credit Union ; Phone : ( XXXX ) XXXX XXXX ; Fax : ( XXXX ) XXXX, e-mail XXXX XXXX, XXXX XXXX, I received a phone call from XXXX XXXX XXXX XXXX Golden 1 Credit Union . XXXX XXXX, identified herself as a G1 employee in the insurance department, verified our Mortgage address, loan number ; said info is correct on your Flood Policy Declaration and coverage is in effect from XXXX XXXX. XXXX said she had no idea why XXXX XXXX, G1 Insurance Services Manager sent the XXXX letter s and said today shell send ( by mail ) a copy of our Flood Policy Declaration to XXXX a 3rd party outside company who handles G1s insurance XXXX, XXXX XXXX, I sent e-mail to the G1CU ( attached ) : XXXX, Phone call from XXXX XXXX re Flood Insurance Policy XXXX XXXX said / verified our flood insurance was not expired and policy period is XXXX XXXX ; and the copy his department had would be forwarded to the department that handles insurance requirements Also, Manager XXXX said ( regarding his XXXX Flood Insurance letter ) : With G1, you have TWO mortgage loans ( see below ) and both loans require insurance coverage ( fire coverage / flood insurance etc. ) 1st Position : First Mortgage # XXXX 2nd Positon : Home Equity Loan # XXXX Problem ( per Manager XXXX XXXX ) : Insurance policy collection for each loan is not handled by the same G1 insurance department, servicing company or 3rd party / outside companyapparently, XXXX services our First Mortgage, while XXXX, a 3rd Party outside company, may service the Home Equity Loan (? ) We, the customer, has no idea who does what because the G1CU has never made it clear to us is confusing because the letters we have received have many different phone / fax numbers etc. and when I have called, the person at the other end refuses to listen to me and simply says you have no insurance coverage Manager XXXX said our flood insurance declaration was received for our First Mortgage ; but apparently was not received for the Home Equity Loan ( XXXX failed to provide reason why not, when XXXX provided it to G1 ). Also, XXXX verified that the loan numbers and addresses on the declaration G1 received are correct.
I argued, we obtained both loans thru G1, regardless of who handles insurance for which type of loan, its G1s responsibility to coordinate insurance documents, not the customer, who has no idea who does what.
XXXX agreed, said you are not the only ones who had this problem, I wrote a memo suggesting changes XXXX, Hazard Insurance, basically attached to this letter are ( form ) documentation that pertain to IMPORTANT INSURANCE INFORMATION CONCERNING THE HOME LOAN and goes into great detail, saying this document is an attempt to collect a debt etc. as they do not have proof of current coverage or there is a lapse in coverage also, PROCECURE FOR SUBMITTING WRITTEN NOTICES OF ERROR AND WRITTEN REQUESTS FOR INFORMATION but the cover letter, pertaining to Loan # XXXX ( which is one of my Golden 1 account numbers and is NOT one of my G1 Loan numbers says : Our records show that your Homeowners ( Hazard ) insurance expired, and we do not have evidence that you have obtained new coverage. Because Homeowners ( Hazard ) insurance is required on your property, we plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance Golden 1 Member Service Contact Center Golden 1 Credit Union XXXX XXXX XXXX XXXX ) or XXXX XXXX XXXX XXXX XXXX.XXXX. XXXX XXXX XXXX, CA XXXX-XXXX Golden 1 Credit Union XXXX XXXX Branch XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX G1 Reference # XXXX / G1 Unique Identifier # XXXX XXXX XXXX, Member Relationship Specialist E-mail : XXXXXXXXXXXX.XXXX Phone : XXXX XXXX XXXX XXXX ex XXXX XXXX XXXX | Insurance Services Representative | Service Operations T XXXX XXXX XXXX XXXX XXXX F ( XXXX ) XXXX XXXX XXXXXXXXXXXX.com XXXX XXXX, Insurance Services Manager ; ( XXXX-XXXX )
|
| 08/04/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American |
|
Re : Complaint by XXXX vs The Golden 1 Credit Union XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Flood Insurance Declaration ( XXXX XXXX XXXX ) Policy # XXXX Policy Period : XX/XX/XXXX XX/XX/XXXX Premium Paid to XXXX : {$450.00} Homeowners Policy ( XXXX XXXX XXXX ) Policy # XXXX Policy Period : XX/XX/XXXX XX/XX/XXXX Premium Paid to XXXX : {$1300.00} G1CU, 1st Position First Mortgage Loan # XXXX G1CU, 2nd Positon Home Equity Loan Loan # XXXX My husband ( XXXX ) and I purchased our home in XXXX XXXX in XXXX and have resided in there ever since.
After Flood Insurance became mandatory, we purchased it thru our Home Insurance carrier, XXXX and continued as notified, to pay for that coverage thru XXXX ever since ; with our most recent renewal being XX/XX/XXXX and we expect to renew our policy in XX/XX/XXXX.
Same applies for Hazard Insurance. We purchased it thru our Home Insurance carrier, XXXX and continued to pay for that coverage thru XXXX ever since, with our most recent renewal being XX/XX/XXXX.
Since XXXX the process we have used for paying our flood insurance and our Home Owners Insurance ( Hazard ) has been followed with no problem until XX/XX/XXXX.
We contacted XXXX, and they assure us, in a timely manner, they forwarded to the Golden 1 Credit Union ( G1CU / G1 ) proof of our coverages on property located at XXXX XXXX XXXX, XXXX, CA XXXX. We have no reason to doubt them, because for the past 20 years they have billed us, we have paid them and no word from G1.
XX/XX/XXXX, G1CU sent their first form letters to us, stating we are not in compliance with Flood Insurance and since then ( XX/XX/XXXX and XX/XX/XXXX ) we have received two more letters, another one regarding lack of Flood Insurance and the last letter, the lack of Hazard Insurance and those letters state both insurances are expired etc. and they will charge us to place insurances on our two mortgages ( outrageous amounts ).
In conclusion, since XXXX ( nearly 20 years ), XXXX XXXX XXXX, the facilitator, has provided the Golden 1 Credit Union , the mortgagee, with proof of insurance coverages on our residence.
The process went smoothly until XX/XX/XXXX, at which time the G1CU began sending us threating and confusing form letters ( mostly unsigned ) stating we are not in compliance with the Federal guidelines and subject to harsh repercussions.
We are long-time G1CU customers and it would have been nice if someone had first reached out to us to inquiry instead of thrusting forth as they have, giving the impression we are guilty of failing to abide by the rules we signed when obtaining our mortgage loan.
XX/XX/XXXX, my husband will be XXXX, and in XXXX the same year, I will be XXXX. The balance on our first mortgage is $ XXXX and the balance on our equity loan is {$0.00} and our property is worth a lot more.
Upon receiving G1s first letter, we contacted XXXX, who assured us they have provided G1CU with proof of our insurance coverages and upon our insistence, three more times, XXXX again provided G1CU with documentation and we doubt XXXX is lying.
When we visited the G1CU XXXX XXXX, the representative made a copy of the Flood Policy we brought along and forwarded it to G1s Insurance Department. A day or two later, I spoke to XXXX XXXX, G1s Insurance Department Manager, and he verified being in possession of the policy declaration and volunteered that many customers are having the same problem as us and XXXX said he wrote a memo suggesting changes to G1s procedures. We believe G1 has changed procedures, gotten a new computer etc. and G1s lying and has received proof of our coverage.
We just hope somebody takes the time to read and understand all this stuff. On one side, we have provided plenty of evidence that weve complied with our flood and hazard protection requirements and, on the other hand there is plenty evidence that were being unduly harassed.
There must be something less than legal or ethical going on someplace, given were both seniors and we wonder if we should seek a good lawyer.
We dont know for certain, but it would seem the Golden 1 has recently made changes in personnel or policies or contracted with an incompetent 3rd party for servicing / insurance because suddenly they are not receiving our insurance policies from XXXX This issue must be resolved and soon.
Sincerely, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX e-mail XXXX ( XXXX e-mail ) ( XXXX ) XXXX Home / Landline OK to leave voice message ( XXXX ) XXXX Fax HISTORY DETAIL XX/XX/XXXX, as every year for the past 20 years, my husband and I received a renewal billing from XXXX XXXX for payment of our Flood Insurance and we promptly paid and soon received the attached Flood Policy Declaration that shows the Policy Period of XX/XX/XXXX XX/XX/XXXX.
XX/XX/XXXX, as every year for the past 20 years, my husband and I received a renewal billing from XXXX Insurance for payment of our Homeowners Insurance and we promptly paid and soon received the attached Hazard Policy that shows the Policy Period of XX/XX/XXXX XX/XX/XXXX.
XX/XX/XXXX and XX/XX/XXXX, as every year for the past 20 years, XXXX promptly delivered to the Golden 1 Credit Union ( G1CU, mortgage lender ) the same Flood Policy Declaration and Homeowners Policy which G1 requires on our First Mortgage and Equity Line of Credit.
XX/XX/XXXX, from XXXX XXXX, G1CU Insurance Services Manager, we received the attached letter via USPS.
Per XXXX letter : A review of your loan ( doesnt state which loan ) indicates the flood insurance on your property has expired.if you do not respond within 45 days, we will purchase on your behalf, the premium in the amount of {$1000.00} ( includes a policy fee of {$49.00} ) will be added to your loan We contacted our XXXX agent, who promptly sent three ( 3 ) additional copies of current Flood Insurance Declarations to Golden 1, with the expectation they would assure their loan servicing agencies to update their paperwork to show compliance with Flood Insurance requirements.
We discussed all this with the Golden 1 insurance department employee ( XXXX XXXX ) who had initiated the XX/XX/XXXX letter and he indicated to us that all parties should now have the proper / correct paperwork, and that we are not the only ones who had the problem and he has written a memo suggesting changes XX/XX/XXXX, I sent an online message to the G1 as follows and attached From : XXXX XXXX [ mailto : XXXX ] Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Complaint re Flood Insurance ; Attn : XXXX XXXX Importance : High 1. Complaint Letter re Flood Insurance 2. XXXX Flood Policy Declaration 3. Copy of G1s XX/XX/XXXX letter XX/XX/XXXX, NOTICE OF FLOOD INSURANCE REQUIREMENT ( 2nd letter received from G1CU on XX/XX/XXXX by USPS ) The unsigned form letter goes into great detail about the Federal law requires lenders to ensure that flood insurance is obtained and maintained for properties located in a Special Flood Area ( SFHA ) etc., talks about FEMA and demands we send proof of flood insurance coverage to : Golden 1 Credit Union Its Successors and/or Assigns ( ISAOAS ) XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, my husband and I went into G1s XXXX Branch. We met with XXXX XXXX, Member Relationship Specialist, at the branch ( Phone : XXXX Ext # XXXX, E-mail : XXXX XXXX XXXX assured us G1s error would be corrected.
XX/XX/XXXX, XXXX XXXX, XXXX XXXX sent me an e-mail message, copied G1s Insurance Services also attaching a copy of our Flood Insurance Declaration to her message.
XX/XX/XXXX, XXXX XXXX, XXXX XXXX copied me on her email to XXXX XXXX which said : I will forward this over to XXXX. Contact info for XXXX XXXX : Insurance Services Representative, Service Operations Golden 1 Credit Union ; Phone : ( XXXX ) XXXX XXXX ; Fax : ( XXXX ) XXXX, e-mail XXXX XX/XX/XXXX, XXXX XXXX, I received a phone call from ( XXXX ) XXXX Golden 1 Credit Union . XXXX XXXX, identified herself as a G1 employee in the insurance department, verified our Mortgage address, loan number ; said info is correct on your Flood Policy Declaration and coverage is in effect from XX/XX/XXXX XXXX/XXXX/XXXX.
XXXX said she had no idea why XXXX XXXX, G1 Insurance Services Manager sent the XX/XX/XXXX letter s and said today shell send ( by mail ) a copy of our Flood Policy Declaration to XXXX a 3rd party outside company who handles G1s insurance XX/XX/XXXX, XXXX XXXX, I sent e-mail to the G1CU ( attached ) : XX/XX/XXXX, Phone call from XXXX XXXX re Flood Insurance Policy XXXX XXXX said / verified our flood insurance was not expired and policy period is XX/XX/XXXX XX/XX/XXXX ; and the copy his department had would be forwarded to the department that handles insurance requirements Also, Manager XXXX said ( regarding his XX/XX/XXXX Flood Insurance letter ) : With G1, you have TWO mortgage loans ( see below ) and both loans require insurance coverage ( fire coverage / flood insurance etc. ) 1st Position : First Mortgage # XXXX 2nd Positon : Home Equity Loan # XXXX Problem ( per Manager XXXX XXXX ) : Insurance policy collection for each loan is not handled by the same G1 insurance department, servicing company or 3rd party / outside companyapparently, XXXX services our First Mortgage, while XXXX, a 3rd Party outside company, may service the Home Equity Loan (? ) We, the customer, has no idea who does what because the G1CU has never made it clear to us is confusing because the letters we have received have many different phone / fax numbers etc. and when I have called, the person at the other end refuses to listen to me and simply says you have no insurance coverage Manager XXXX said our flood insurance declaration was received for our First Mortgage ; but apparently was not received for the Home Equity Loan ( XXXX failed to provide reason why not, when XXXX provided it to G1 ). Also, XXXX verified that the loan numbers and addresses on the declaration G1 received are correct.
I argued, we obtained both loans thru G1, regardless of who handles insurance for which type of loan, its G1s responsibility to coordinate insurance documents, not the customer, who has no idea who does what.
XXXX agreed, said you are not the only ones who had this problem, I wrote a memo suggesting changes XX/XX/XXXX, Hazard Insurance, basically attached to this letter are ( form ) documentation that pertain to IMPORTANT INSURANCE INFORMATION CONCERNING THE HOME LOAN and goes into great detail, saying this document is an attempt to collect a debt etc. as they do not have proof of current coverage or there is a lapse in coverage also, PROCECURE FOR SUBMITTING WRITTEN NOTICES OF ERROR AND WRITTEN REQUESTS FOR INFORMATION but the cover letter, pertaining to Loan # XXXX ( which is one of my Golden 1 account numbers and is NOT one of my G1 Loan numbers says : Our records show that your Homeowners ( Hazard ) insurance expired, and we do not have evidence that you have obtained new coverage. Because Homeowners ( Hazard ) insurance is required on your property, we plan to buy insurance for your property. You must pay us for any period during which the insurance we buy is in effect but you do not have insurance Golden 1 Member Service Contact Center Golden 1 Credit Union ( XXXX ) XXXX ) or ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Golden 1 Credit Union XXXX XXXX Branch XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX G1 Reference # XXXX / G1 Unique Identifier # XXXX XXXX XXXX, Member Relationship Specialist E-mail : XXXX Phone : ( XXXX ) XXXX ex XXXX XXXX XXXX | Insurance Services Representative | Service Operations T ( XXXX ) XXXX XXXX F ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Insurance Services Manager ; ( XXXX )
|
| 02/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hi CFPB, I feel so safe already just knowing that your agency exists to help me resolve our dilemma.
1. We've had this vehicle loan with Golden 1 since around XXXX. Never been behind until Covid hit.
2. We entered into a Covid deferment and payment reduction around XXXX from around {$390.00} per month to {$290.00} per month. Never been late on this new payment.
3. The new payment of {$290.00} was set up for autopay through Golden 1 's website not through our bank.
4. Around XX/XX/XXXX, I checked my credit report and found that Golden 1 had reported a 30-day late for the month of XX/XX/XXXX for {$98.00}.
XXXX. Upon learning this, around XX/XX/XXXX, I immediately contacted Golden 1 to research. I first spoke with XXXX who transferred me to XXXX ( the only Golden 1 representative who seemed to care enough about consumers to listen ). XXXX confirmed my address. Here I found out that they still had my very old address. I told XXXX that I already changed that address around XXXX in writing when I applied for new Covid payment, XXXX told me that the address change need to be done by phone, I told XXXX that I changed the address again by phone BEFORE and AFTER I entered the new payment plan. I have several notes of when I spoke with different Golden 1 representatives in XXXX. This was red flag # 1 to me! If Golden 1 still has not updated my correct address, how would I receive proper notices and billing statements from them?
6. XXXX told me that my new payment plan ended around XX/XX/XXXX. I told XXXX that I around XX/XX/XXXX, I spoke with XXXX / Golden 1 and my notes listed 4 options. On my notes, I circled # 2 which said, " long modification extends 3 years. '' But XXXX told me that the paperwork I signed was only an extension of 12 months. I told XXXX, that if it's 12 months only, that meant that the payment of {$290.00} on Golden 1 autopay should have been rejected by their system when the term expired- IF GOLDEN 1 started billing me for the original payment of {$390.00}, or that I should have gotten a notice than I owe Golden 1 {$98.00} for each month around XX/XX/XXXX ( upon expiration of the 12 month plan ) - BUT I DID NOT GET ANY NOTICE OR ANY BILL from Golden 1.
7. IMPROPER AND INACCURATE BILLING LED TO INACCURATE CREDIT REPORTING AND DAMAGING OUR CREDIT.
ATTACHED are proof that Golden 1 billing system is not accurate.
7.1. Screenshot of Golden 1 online account services. Please see where it says that my outstanding bill is {$390.00} for the month of XXXX. Screenshots of their website does not show an area where I could have seen that {$98.00} was delinquent since the Covid term expired. There's no breakdown! Nothing to even give me a hint that I needed to pay them {$98.00} per month.
XXXX.2 IF I owed {$98.00} per month since XXXX, that means, as of XX/XX/XXXX, I owed Golden 1, {$290.00} ; and as of XX/XX/XXXX, I owed {$390.00} ; and as of XX/XX/XXXX, I owed {$490.00}. But when I logged on to the website around XX/XX/XXXX, the screen showed that I owed {$390.00} not {$390.00} ( total of {$98.00} from XXXX to XXXX ) or {$490.00} ( as per phone conversation with Golden 1 representatives ).
7.3 Over the phone, on XX/XX/XXXX, per XXXX, my account shows that it is 54 days past due and the outstanding balance is {$490.00}.
XXXX. INABILITY TO KNOW HOW MUCH I OWE WITHOUT TELEPHONE CALL - It sounded like XXXX 's figures are close or accurate BUT the problem is that although Golden One 's internal system shows their representatives how much a customer like me owes but as a customer, I am not able to see what I actually owed them? I did not receive any bills in the mail and their online system was showing an inaccurate amount due.
One of their representatives basically told me that customers would need to call Golden One in order to be sure of how much is owed. What? How many customers do they have? And how many would have to phone them to make sure that they are charged an accurate bill?
8. INACCURATE INFORMATION OVER THE PHONE ABOUT AUTOPAY. The day after I spoke with XXXX, the representatives I spoke to blatantly told me that the autopay was set up externally - to imply that the payment was being sent from my bank to Golden XXXX - that I set that up and that I should contact my bank to get information.
Basically I felt like Golden 1 was washing their hands- passing the blame on me as consumer, instead of investigating on their end so they could fix the issue- if it's a technical glitch which harmed the consumer.
I told the representatives that I already checked external transfers from my bank and nothing was set up by me. I told them that the autopay was set up by Golden 1 either on their website or by their representatives over the phone- since I believe that Golden 1 required verification of accounts when setting up payment from banks instead of transfer from a Golden 1 savings or checking account.
ATTACHED is a screenshot showing that the autopay was set up from Golden 1 's end not my bank.
9. AUTOPAY ISSUES - Their autopay system should have rejected my {$290.00} a month payment as soon as the Covid term expired so that I would be alerted that the payment is due - since I was not receiving any notices. I don't routinely log on to their website but even if I did, there is nothing there that showed I owed {$98.00} for a number of months.
10. PROBLEM AND HARM DUE TO IMPROPER BILLING PRACTICE WAS THE INABILITY FOR ME TO PAY WHAT I ACTUALLY OWE MINUS PHONING THEM.
Because the website only showed {$390.00} outstanding balance for the month of XXXX, IF I only paid that amount online, I would have had 60 days derogatory for around {$190.00} ( {$98.00} per month x 2 months ).
11. FINANCIAL HARM- I am not the primary on this account. The Primary account holder has been financially harmed by this irresponsible and neglectful billing practice. Due to the derogatory reported on his credit, he was not able to refinance for lower rate.
I am a cosigner on my children 's financial aid. My children 's future was also impacted due to the 30-day late that Golden 1 posted on my credit. I had to use our emergency reserve funds to pay the balance of the tuition just so my child can remain in school.
PLEASE NOTE THAT ONLY XXXX cared enough about customer service - had empathy to find ways to help me.
NOTE that I paid twice on XXXX ( {$490.00} and {$490.00} ) even though the payment due on their website was only around {$390.00} - just to make sure that any delay on Golden One 's end would not give them a reason to post 60-day late on our credit report. I paid once online and another inside a Credit Union.
I had to pay online and then also go into a credit union that would accept the car payment so that we would not get hit with 60-day late because I'm told that even if I make the payment of {$490.00} on XX/XX/XXXX, it may not post until couple of business days later.
|
| 04/21/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Monday XX/XX/2021, I XXXX XXXX XXXX received a SBA EIDL Grant in the amount of {$10000.00} to my personal bank account with XXXX.
On that same day, XX/XX/2021, I logged into my online bank account & to my surprise my SBA EIDL Grant was Permanently being held.
I did not receive a formal email, text message, or phone call from XXXX informing me that my SBA EIDL Grant was being permanently held, nor did they inform me that additional documents would be needed.
After calling XXXX on XX/XX/2021, I spoke with one customer service representative who informed me my SBA EIDL Grant was being permanently held because it was deposited into my personal bank account. The representative didnt have the resources to assist me so I requested to speak with someone in the correct department.
I was then transferred to XXXX, I believe she was a escalation representative. I then requested that she connect me with someone higher up.
After many holds & XXXX informing me that there was no one in the department that handles the SBA cases that was willing to speak with me, she continued to attempt to get me off the phone by advising me to send an email instead.
Of course, I refused to do so, I demanded to speak with someone in charge.
Once more, I was placed on multiple holds for extended periods of time.
Afterwards, I was connected to XXXX XXXX.
Mr. XXXX XXXX, proceeded to undermine me by raising his voice & asking me questions in the line of ; why I received a SBA Loan, did I plan on using it to open a new business, etc.
I proceeded to advise Mr. XXXX XXXX that I received a SBA Grant because I, like millions of others business owners, have suffered an economic loss due to the COVID-19 pandemic.
Mr. XXXX XXXX proceeds to argue back & forth with me despite me informing him that the SBA & IRS doesnt require sole proprietors & independent contractors to have a business bank account. Nor does the SBA require a business bank account to deposit the EIDL Grant.
Mr. XXXX XXXX informed me that in order to have my SBA EIDL Grant released back into my account by XXXX I would have to provide proof that I am in fact a business owner.
Mr. XXXX XXXX stated that all I needed to do was email my DBA to XXXX I did so within a few minutes after our call ended.
Afterwards, I received a voicemail from Mr. XXXX XXXX on XX/XX/2021 at XXXX stating that he reached out to XXXX business services department BSA , however, he was unable to speak directly with a representative.
I called Mr. XXXX XXXX back at XXXX on XX/XX/2021 & he informed me that he was still unsuccessful at reaching someone in the XXXX business services department , however he would keep me updated.
I asked Mr. XXXX XXXX if he could confirm that my DBA document was received ; he could not. Mr. XXXX XXXX then asked if I had received a confirmation email from XXXX business services department & I informed him that I did not.
I followed up with Mr. XXXX XXXX on the following day XX/XX/2021 between the hours of XXXX Unfortunately, I received Mr. XXXX XXXX voicemail ; I did not leave any voicemails.
I received a missed call & voicemail from Mr. XXXX XXXX at XXXX stating that he had received my missed calls & that he had reached out to XXXX business services department, however, he was unable to receive an ETA regarding when my SBA EIDL Grant would be released.
Mr. XXXX XXXX went on to say that he had a woman contact in the XXXX business services department who informed him my DBA was in fact received.
I proceeded to call Mr. XXXX XXXX back between the hours of XXXX I received Mr. XXXX XXXX voicemail , I did not leave any voicemails.
I checked my email at XXXX & received an email from XXXX business services department stating the following : Hello, Thank you for providing this document. As stated in the previous email, we also require the completed Business Ownership Questionnaire. Once that is received, your case will be sent over for review.
Thank you, BSA - Corporate Compliance XXXX XXXX XXXX XXXX I called XXXX back at XXXX & spoke with a representative by the name of XXXX . I informed her that my contact regarding this matter was Mr. XXXX XXXX, however, I was unable to reach him.
I informed her that I provided proof that I am in fact a business owner & I was uninformed that I would have to now submit a Business Ownership Questionnaire.
XXXX places me on hold then proceeds to inform me that the form would be mailed to me within 3-5 business days.
I informed XXXX that this was unacceptable & that I would like the form email to me immediately.
XXXX continued to place me on hold after hold before returning to me & informing me that the Business Ownership Questionnaire would be emailed to me.
Upon checking my email, the Business Ownership Questionnaire stated that XXXX has the right to request my tax documents, articles of incorporation, partnership agreements, association documents 1040 & schedule C, corporate resolutions, purchase or acquisition agreement, & letter from the IRS assigning employer identification number ( EIN ).
I completed the Business Ownership Questionnaire form which asked for my business name, how many employees I had, the type & amount of my Grant, whether I had a business account, why I was using my personal bank account, & what I would be using my Grant for.
As of today, XXXX has yet to release my XXXX XXXX XXXX XXXX XXXX has changed my a courtesy pay fee of {$29.00} that occurred when I was under the impression that my funds were in my account.
|
| 03/19/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
In XXXX I filed for bankruptcy. I had just modified my mortgage loan and I was working as a XXXX. After the market crash in XXXX my business income completely dropped and I was facing some serious financial hardships. I was falling behind on my new loan modification payments, however, I sent in XX/XX/XXXX payments for XX/XX/XXXX, which is the first payment due under the modification agreement, another payment for XX/XX/XXXX and XX/XX/XXXX. I was in contact with the collection department and they new I was going to send all three payments. I was told by them to go to any branch and make the payments. When I went to the branch the teller couldn't process the payment because her system wouldn't allow her to make three payments at once. I asked het to make one payment instead so I wont be three months late, and she couldn't process that either. I asked her to call collections, and she did get on the phone with them and just said to mail the check. I was having a problem doing that because I was going to be late for XXXX if they received the check after the XXXX. And that's what happened. 30 days later I got the check back in the mail and Golden 1 and XXXX started immediately the foreclosure process and had a sale date at the court house in two weeks. The were not willing to work with me after several calls, I had to stopped the foreclosure through the bankruptcy.
Once in the bankruptcy I made my monthly payments to the trustee, than the trustee will pay the mortgage and arrears on the account. During the bankruptcy I had no access to the account nor was I receiving mortgage statements. Once the discharge happened I learned that there was {$7900.00} in suspense and another amount of a payment from the trustee for {$3200.00} The trustee 's last payment to XXXX was on XX/XX/XXXX. My first payment directly from me to XXXX was on XX/XX/XXXX and each other month there after. That's when I learned there was a great amount of excess payments from the trustee to the lender. I questioned over and over again and I have just been given the round around for over three years by the lender. I submitted a complaint with the Department of Oversight, but they couldn't help me. Recently I submitted a complaint with the XXXX XXXX XXXX. When I submitted the complaint with the Department of Oversight XXXX responded saying they had issued a cashier 's check refund to the trustee for {$7900.00} I personally when to the trustee 's office and showed them the letter. They denied receiving such fund from XXXX. When I complained through the XXXX XXXX XXXX I asked Golden 1 to show me a copy of the check. They did show a copy of the check for {$7900.00} keep in mind these are payments I made to the trustee and the trustee disbursed this payments to the mortgage lender. In other words this is my money. The check is made to XXXX XXXX XXXX which is a Bank in XXXX Texas, and it's endorsed by Texas XXXX XXXX. I sent a copy of the check to my bankruptcy attorney and she received a response from the trustee 's attorney saying they had no record of ever receiving this payment and that it was certainly not deposited to the case. It's been deposited and endorsed by somebody else. The XXXX XXXX XXXX gives 7 days to respond or they close the case. They closed the case after I received the copy of the check I responded to the lender asking who and why they sent my payments to a Bank in Texas. I'm assuming they didn't respond in 7 days and the case got close. This is why I'm starting my complaint here and get to the bottom of this mess my lender has created for me first by rushing a foreclosure, then by entering the wrong amount in the arrears to the court and refusing to give me back the money. They basically claimed twice the amount on the arrears, causing me so many problems, because the trustee had to increase the payment for arrears to be covered during the period of the bankruptcy, which it was not necessary if the lender would have enter the correct amount. This could've had detrimental consequences for me if I couldn't made that payment increase, they would have rush to issue a relief for stay to continue the foreclosure knowing the had a lot of my payments in suspense. Which they actually did when the trustee mistakenly made some errors with the payments and the lender rush to request relief of stay.
There's another amount of {$3200.00} they also didn't applied to my loan principal. They said they were payments from the trustee they had put in suspense and then re applied them to the loan, but that is not true because I was making the payments for the months they claimed they reapplied to. Also, during the period in the bankruptcy they were not applying the entire amount received from the trustee. I discovered this from the payment history and to this day I do not know were or how they applied the rest of the payments. It's been more then three years and this lender is not willing to do the right thing. I need help. Unfortunately I can not afford more attorney costs. I went through four attorneys in this bankruptcy costing over {$9.00} when a BK shouldn't exceed {$5000.00}. I experience attorney negligence, attorney death, trustee errors handling my payments, a true nightmare that needs to be over soon I hope.
|
| 10/22/2018 |
Yes |
- Mortgage
- Other type of mortgage
|
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, we Met XXXX XXXX, loan officer for Golden 1 bank. She stated we will be able to get a loan for 6.25 %. She also stated we can lump in the closing costs with the loan. XX/XX/XXXX we got a call from her stating the underwriter will not allow us to lump in the closing costs because the loan can not be more then 75 % of the value of the home as the second loan was a cash out. She also stated because the line of credit was a cash out, the rate is now 7.25 % First of all, as a loan officer, she should have advised us about all this prior to making us pay for an appraisal out of pocket. We agreed to continue with the loan because XXXX told us that the closing cost will be about {$7000.00}. Then a few days later she stated the closing cost will be exactly {$8700.00}. When we agreed, she sent us a new disclosure for us to sign with the 7.25 % but now the cost was {$9200.00}, just a few days later. After that I received a call from the processor, XXXX XXXX, who stated the closing cost will be {$10000.00}. She also told me that the underwriter is not accepting my husband 's divorce document from 8.5 yrs ago ( that was accepted by 2 other banks ) because it is not stamped, is not the full divorce decree and there is no mention of my husband not having to pay child support. I again submitted the stamped documents, clearly showing on the second page that " there are no minor children from this marriage ''. XXXX also stated we needs to submit a copy of the modified divorce degree from 2 yrs later. ( this was submitted at the initial meeting on XX/XX/XXXX ). I re-sent it but I was informed that it is not acceptable because it does not have my husband 's signature. It has been accepted by 2 other banks and has the attorney 's signature that represented my husband in XXXX. Either way, all the documents, the original and the modified have been stamped as " endorsed and filed '' w the date on them. Again Golden 1 stated we need to go back to court and get the full decree. I was informed about this on XX/XX/XXXX, almost 1 month later. Called the court and they stated they no longer have the documents in house because it has been such a long time. We were instructed to submit a request online to get the documents from a warehouse and wait for a confirmation e-mail in 2 days. Once we get the e-mail, we can contact the court if we don't hear back in 10 business days. Golden 1 locked the rate until XX/XX/XXXX and by the time we get the documents, it would be outside of the date. I contacted the bank to get an extension since they never told us early enough that the documents are not acceptable and never even told us why they are not acceptable when 2 other banks accepted them. We were informed we can get an extension for 7 days. ( They bank never even offered this to us on their their own without me asking for it but would have charged an extension fee ). They also did not advise us about an extension fee but I remembered from previous loans if it does not close in time, either the rate will go up or we have to pay a fee for a rate lock extension. When we were informed about that we got a 7 day extension for free, they were quick to add, we will still have to pay extra because the loan will not close in time. I believe Golden 1 was dragging their feet and this was all about getting additional fees on us. By the way, we picked up the documents from court, and surprisingly, it was the same document ( original and modified decrees ) we already had initially submitted to Golden 1. Since we felt Golden 1 is stalling and is trying to increase the closing cost and fees, we went over to XXXX XXXX and started a loan process on XX/XX/XXXX. Since I paid for an appraisal per the request of Golden 1 Bank 1 month ago, the new loan officer with XXXX XXXX contacted Golden 1 to release the appraisal to him. Golden 1 contacted me and told me I have to withdraw my application from them in order to release the appraisal. I will have to wait for the loan application to be cancelled and then XXXX 's supervisor, XXXX XXXX will release the appraisal but " it is a process '' indicating it will take time. I believe they are stalling so that they would delay closing in a timely manner with XXXX XXXX or are forcing me to pay for another appraisal.
In addition, I have tried to get in touch w both XXXX and XXXX 's managers. I have not heard back from either. I also requested the contact information for the underwriter 's manager to find out why the documents are not acceptable over a week ago. I still don't have that information.
Overall my main complaints are : 1 ) quoted me for a lower interest rate to bait me 2 ) loan officer did not advice me about the loan being treated as a cash out so the rate would change 3 ) quickly made me pay for appraisal so I would be financially invested then changed the rate 4 ) they were so letting me know when additional documents were needed 5 ) they were unclear about why documents are not acceptable 6 ) quoted 4 different closing cost in 2 weeks 7 ) trying to increase closing costs with an additional extension fee by not closing in time 8 ) stalling in releasing the appraisal I paid for 9 ) extremely poor customer service
|
| 11/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX, I was contacted by phone by Golden 1 Credit Union XXXX fraud unit stating they were calling to verify suspicious activity on my XXXX credit/debit card. I was told that charges had been made at the artist 's website XXXX on XX/XX/XXXX as follows :XX/XX/XXXXWithdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$25.00} XX/XX/XXXXWithdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00}XX/XX/XXXX Withdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} XX/XX/XXXX Withdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} XX/XX/XXXX Withdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$50.00} XX/XX/XXXX Withdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$25.00} They asked me if I had authorized the charges. I said that I absolutely HAD NOT authorized any of those charges and that they were definitely and without any question or doubt, fraudulent charges. I then asked what I needed to do to obtain fraud protection with regard to the charges. I was told to go into my branch of Golden 1 and report the fraudulent charges and sign an affidavit swearing or declaring the charges as fraudulent. I went to my branch immediately and filed the affidavit as instructed. I explained that the charges were made for points. That is points that can be cashed in for various merchandise. I explained that all XXXX needed to do was to find out what XXXX account the points went to and there they would find the thief. I said that the record would show that the points did not go into my account but they had to go into someone 's account. Also, since I had provided my XXXX number ( obviously ) ONLY to XXXX, then whoever made the fraudulent charges had to have been either an employee of XXXX, or an accomplice of an employee. I also explained that I HAD authorized charges previously on XXXX but that every one of the previous charges were exactly {$5.00} each because {$5.00} is the cost of a three month core membership. While the representative at my branch was filling out the affidavit, he asked me if I had authorized a {$5.00} charge on XXXX several weeks earlier. I said yes, as I had just explained that {$5.00} charge was for a three-month core membership. He acknowledged that he understood and removed that {$5.00} charge from the affidavit. I told him that is was very important that ONLY the charges made onXX/XX/XXXX were to be addressed in the affidavit. After I signed the affidavit the Golden 1 representative told me to not worry because I was protected from fraud as part of Golden 1 services. I asked if my signing and filing of the affidavit of fraud was all I needed to do and I was told yes. He then told me that the affidavit would be sent or copied to the fraud unit that had contacted me, along with all other information I provided to him.
About two or three weeks later I received a letter from Golden 1 XXXX Fraud Services stating that my claim had been reviewed and that they decided that since I had approved ( the {$5.00} ones ) charges at XXXX previously to the string of fraudulent charges, they had determined that the charges were NOT fraudulent. The letter further stated to the effect that they were through with my claim and that it was my responsibility to investigate the matter on my own. Well, I had sent three emails to XXXX, the first of which was within two days after the fraudulent charges were made. XXXX was unreachable by phone so I was at the mercy of using email only. In my emails to XXXX I explained everything that I explained to the Golden 1 Representative at my branch. I had no idea of how else I could further investigate the matter and the XXXX fraud unit provided no suggestions. The total {$400.00} charges were deducted from my checking account so I received zero fraud protection whatsoever. It seemed to me that as far as further investigating the matter, I was at the mercy of XXXX and as far as being denied fraud protection, I was at the mercy of the Golden 1 VISA Fraud Unit. Who was I to argue their decision? The fraud unit 's letter also said I had sixty days to investigate the matter, after which time the statute of limitations would expire. By the time the sixty days expired, XXXX had not followed through on their end ( no surprise considering that the fraudulent charges had to have been made by one of their employees. ) Golden 1 was of no further help and the XXXX Fraud unit had disregarded my signed affidavit and essentially then called me a liar. I find it incredible that the XXXX Fraud unit could ignore and disregard my signed affidavit. That affidavit is a legal document yet it is perfectly fine for them to totally reject a legal document. Why was I instructed to file the affidavit in the first place if anybody could nullify it on a whim and speculation? I find that very disconcerting and it speaks volumes about the apparent worthlessness of legal documents!
XXXX XXXX / ( XXXX ) XXXX / XXXX XXXX XXXX XXXX XXXX, CA XXXX
|
| 01/12/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I had an account with golden one for many years during the time I lived in California.
XXXX started drawing monthly payments from the checking account without my knowledge after many months of no activity in the account.
This caused the account to go negative however I was unaware that this had happened.
I received a letter in the mail on on XX/XX/XXXX informing me that my account had been overdraw for over 45 days and was closed and reported to XXXX XXXX
The following morning I called them immediately and asked first what was needed from me, second where the funds were drawn from and third why I was just not being informed when they had my phone number, my e-mail, and my address.
They said they needed the money paid and that it was reported to XXXX XXXX and they could not affect it anymore until the money was paid.
In response to the other questions they said they had advised me via mail, when I informed them I was not advised as I did not ever receive any mail with any advisement to them they claims well, then you would have to take that up with usps and tried to claim that since I had gotten one letter although i received it over 30 days late in my mail box, that therefore the mail service was working and I was indeed advised of the situation.
This I found quite curous as they were trying to claim a letter I did not receive was an advisement that took place. Dropping that matter for now I continued to dig in a similar statement to the following.
" Well, you had my e-mail and phone number, why did you not first attempt to call or e-mail me. Additionally why was there no delivery confirmation, tracking number, or signature requested on this supposed advisement from you. '' The representatives response was that they could not be bothered.
I find it shockingly damaging and predatory to close someones account and send reports to a consumer reporting agency without " being bothered '' to call the members known phone number, nor e-mail them, nor indeed even verify they have received your supposed advisements via putting tracking or delivery confirmation or requiring a signature for delivery of those supposed advisements.
They took a damaging act and attacked my consumer report because they simply could not be bothered to use any of the several up to date confirmed communication paths that were open to them. Additionally they initially refused to give me the number to chex systems stating that I could simply " XXXX it. '' After calling XXXX and finding out why they attempted to draw funds without my knowledge and fixing that issue, as well as immediately going to my current bank and wiring the negative balance to the account I additionally asked how i can protect my consumer report and they said there was nothing they could do and it was " int the queue to clear ''. I pried the number for XXXX XXXX out of them and was advised it may take 7 days for things to show.
After 7 days I contacted XXXX XXXX to contest and press the issue. Unfortunately they claimed they would need my full first and last name, social security number, date and place of birth, as well as the past 5 years of living addresses in-order to proceed.
I asked whether they were a government agency and they said no they were not. I said there is no way your getting all that information out of me and they said " ok ... ''.
So... now I turn to you cfpb. This should be criminal behavior. They had my number, they had my e-mail, they had my address. They chose instead of reaching out to me via my number, or e-mailing me, or sending me confirmed mail or signature verified mail they chose to send unverified snail mail that I did not received. When i was notified I was helpless to affect anything although none of it is fault of my own and now I may have irreparable consumer report damage that can not be undone without giving a less than trustworthy non govenment entity far far too much data about me than I am comfortable. This I also feel ought to be illegal if it is not already.
I have since closed my account and now file this in hopes you will further pressure tham. I have advised everyone I know of the situation and that they should not trust golden 1 and am unsure of what further action I can take aside from watching my credit score and contesting any fallout from this.
It should not be legal for a company to take aggressive action against a customer without first attempting all reasonable and available means of contacting that customer and notifying or settling any disputes in a more reasonable matter. This is predatory and evil behavior from a bad actor that " could not be bothered '' to use reasonable means at their disposal to actually advise or notify the individual. They found it easier to launch an aggressive attack on that persons identity. I think they " could be bothered '' and should be held fully accountable for their horrible actions which label them in this engagement as a wanton bad actor of our financial system.
|
| 05/17/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : Complaint against Golden 1 Credit Union To Whom It May Concern : I would like to file a formal complaint against my credit card issuer ( Golden 1 Credit Union ). I had a XXXX card issued through Golden 1 Credit Union which has now been closed ( # XXXX XXXX XXXX XXXX ). In XXXX, 2017, I received a phone call from Golden 1 Credit Union fraud detection informing me that they potentially had spotted some fraudulent activities with my XXXX card. I confirmed that most of the charges that they had mentioned to me were not made by me. The charges were mostly cash advanced taken from multiple cities including XXXX, WA, XXXX XXXX, WA, XXXX XXXX, CA, XXXX, CA, etc. which I did not authorize. I did inform Golden 1 Credit Union that some of the charges are valid.
Golden 1 Credit Union informed me that someone from the fraud department would contact me by phone within 48 hours. I did not receive any calls or correspondence from Golden 1 within this time frame. I made multiple attempts to reach the fraud department at Golden 1 and left messages for a return call to get additional information and to close this account to prevent further fraud charges. On XX/XX/XXXX and XXXX XXXX, 2017 I received a total of three letters from Golden 1 Credit Union ( letters attached ) informing me that they have closed my file and that the charges are valid and that I am responsible to pay. I feel that Golden 1 Credit Union has failed to do a thorough investigation of the claims in questions and closed the investigations without doing an extensive review. I want Golden 1 Credit Union to show evidence for ALL of the charges in question to prove that they are valid charges. I have that right under the Consumer Credit Protection Act.
I also feel that Golden 1 Credit Union is placing the blame on me as if it was my fault that someone has committed fraudulent activities on my card. I have been the one that has been complying with Golden 1 to resolve this matter.
Golden 1 is not stating the facts. For example, on the letter dated on XXXX XXXX, 2017, Golden 1 states that my claims confirm my card to have been lost. That is not correct. In the letter dated on XXXX XXXX, 2017, Golden 1 claims that they needed my assistance to view photos at their branch location which is located 30 miles away from my home and work and will take me an hour to get there. I can not drive far due to my XXXX and I asked Golden 1 Credit Union if they can mail, email, or come to my home to show me these pictures and they refused too. I informed Golden 1 Credit Union that I could perhaps have a friend drive me to the branch location on a Saturday, however, I was told that someone from the branch would contact me first to schedule a time and that never happened. Instead Golden 1 once again placed the blame on me and now claiming that I am not fully cooperating which is not correct. I am more than willing to cooperate. In addition, I feel that Golden 1 Credit Union is discriminating against me based on my XXXX. I informed Golden 1 Credit Union that I would have to take additional time off from work to travel to the nearest branch location which is located in XXXX, California and that I may need additional time to arrange for travel due to my XXXX. I also received another letter from Golden 1 Credit Union dated also on XXXX XXXX, 2017 informing me that my XXXX credit card has been revoked because of the loss of my card with my PIN. I never lost my card and my PIN number was not written anywhere. I feel that I am being discriminated and wrongfully accused by Golden 1 Credit Union and I wish to file a formal complaint in addition to a XXXX and discrimination complaint. I spoke with XXXX XXXX, Supervisor at Golden 1 Credit Union and specifically asked her to provide me with evidence that I took the cash advances and made charges to my credit card and she did not provide me with any evidence. I asked her to show me any proof that I made any transaction to the locations in XXXX, WA, XXXX, CA XXXX XXXX, and CA. The only picture that XXXX XXXX stated that she had was a valid transaction that I made in XXXX XXXX, CA which I informed Golden 1 Credit Union that I made. I once again informed XXXX XXXX that I want Golden 1 to re-open this case and thoroughly investigate ALL of the charges in question. XXXX stated that she will nor re-open this investigation. I do not feel that I should pay for charges that I did not make or authorize. I want Golden 1 Credit Union to do a thorough investigation and show me ALL pictures, video surveillances, and any proof of ALL transactions. I want the Consumer Financial Protection Bureau to assist me and investigate this matter further. Please feel free to contact me at XXXX. I have further information and can furnish medical documents/reports pertaining to my XXXX if required.
Thank you, XXXX XXXX XXXX XXXX XXXX.
XXXX, CA XXXX XXXX XXXX
|
| 06/23/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
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On XX/XX/XXXX I received a letter that my account was going to be closed. I called the Golden 1 Credit Union. I spoke with XXXX from the bank and she information me that was something that happened 3 yrs. ago. I was like " What '' 3 years ago your kidding. She said no and I told her that I did an appeal to keep my account open and it was approved. She said that they care to close the account and open a new one. They she told me that the account my husband and my son were going to be closed also. At this time I was in the branch. The branch I went to was XXXX XXXX XXXX, XXXX. The person that was helping is XXXX and I was still on the phone. She told me that it was an oversight, that they had to close the account. I told her that my kids have accounts there too. She said that the ones that were going to be closed was the one with my older son and my husband. I told my son is in the XXXX and I have no contact with him at time he needs his funds. This was going on for some time. XXXX put me on hold and she was talking with some one. Then she comes back on the phone and tells not to worry that they are only going to close the account where there was a lost. But there was not a loss because I paid the negative balance. I repeated myself multiple times to make sure this was correct. Because I told her there was a dead line of XX/XX/XXXX. She said no you will be fine. At the same time she told me to write another letter telling Golden 1 that my appeal was approved, that why after 3 years am I just receiving this letter.
Then on XX/XX/XXXX I went in to the branch and make a deposit on my son account the one in the XXXX and they told me it was restricted. At that time I spoke with the manager XXXX. I told her everything all over again and because it was Saturday they had no one in the back office. She asked for the name I spoke with and the dates. I told her that I would need to call her back.
On XX/XX/XXXX I called the back office with member care department and I spoke with XXXX and then with XXXX in member escalation department. She looked over the and she said that XXXX did receive the letter that she ( XXXX ) was going to have XXXX call me back. She would be in @ XXXX and she should call me back by XXXX. So at the same time I left a message for XXXX with the names. Later XXXX called me and I told her I left her a message, but I gave her the information again. I waited and I called back on Wednesday XX/XX/XXXX. I was told she was at lunch and that they sent her an email and I should receive a call back. I received a call from XXXX and she was told that I was going to receive a letter that they sent out. So I am waiting and waiting.
Now XX/XX/XXXX I called XXXX to help because no one is calling me and no letter. I told her this and now the other account with my husband is restricted. I told her I have my direct deposit in that account. I also told her that no one has called me or nor have I received a letter. She said that she was call me back. XXXX is now tell me that it has to do with a credit card. I told her that I call a few weeks ago and I was told XXXX that I called to get the balance and due date. I was told that the due date was XX/XX/XXXX, but because I had made a payment it was XX/XX/XXXX. The next day I called my payroll and they told me that it was deposit into my account. So I went to the branch to withdrawal my funds and XXXX was helping me. I was there for an hour. We went all over again the same information and she told me that I could not take me funds out. I that she need to talk with the person in the back office and he is not there. That she would call me back. I am waiting and waiting. XXXX calls me and told me she has done everything she has done. That I need to call the number she is give me. I called and now I am talking to XXXX, she is telling my something different. I had to explain the whole thing. I told her that I want to withdrawal my funds. XXXX told me fine that I came. So now I am going back to the branch and XXXX and a teller help me. I was told that the funds in my son account was sent out. With no information given to me. So now I am leaving and I see XXXX and I told her that I go my funds out. She said hold on. So now I am in her office. XXXX is asking me if I call the number and I send yes, I told her everything that I was told. She was on the phone and she did not tell me who she was talking to. I repeated myself again. I told XXXX that I have done everything I was asked to do. No one is helping me and no calls, no letters. Then XXXX is telling me that I have to give back my money back. At that point I was done. I said NO, I am not giving you my money back. I have done everything I was told to do, Golden 1 has not taken a loss a, No one is helping. This all started XX/XX/XXXX we are now XX/XX/XXXX and no one is given me an answer. I said sorry but I am not giving you my money back.
|
| 08/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Servicemember |
|
I am a new customer at Golden One Credit Union. I initiated an ACH of XXXX to fund my account from XXXX on XX/XX/XXXX using the account number on the monthly statement issued. The ACH is still to be located due to Golden One 's inability to accurately notate accounts, initiate investigations in a timely manner, and follow through with said investigation to a satisfactory resolution, ie, locating the ACH.
During this prolonged problem and investigation, XXXX has delayed responses, ignored requests for account and trace numbers used in the ACH, sent incorrect numbers in response to our requests, and later fixed them. This has caused extreme distress for all involved and made the matter more complex to resolve while adding to the already long timeline.
On XXXX XXXX, XXXX I contacted Golden One and spoke with XXXX a customer service rep who communicated my ach was not it and therefore I had to cover NSF fees. I explained the situation and she removed them. I asked her to notate the account seeing as how the ach was not in and I had sent it on XX/XX/XXXX. I requested she read the notes back to me as I wanted to ensure the bank was aware of the problem until it could be resolved.
A snippy response from XXXX after " Reading '' the notes prompted me to ask for a manager. I was transferred to XXXX XXXX, who empathized and " notated my account '' on the situation. She was to be the point of contact until this was resolved.
Since it had been more than the originally quoted 5-6 days ( by chat representative, XXXX with XXXX ) on the receipt of the deposit, I also asked her repeatedly in our calls to initiate an investigation on the matter.
XXXX escalated the matter to a specialist who responded days later saying it could take 10 days.
On XXXX XXXX, I spoke with XXXX again to request further assistance, investigation on the matter ect. she finally told me she needed a trace number. Still no investigation.
On XX/XX/XXXX, I contacted Golden 's service center to follow up. I was greeted by a rep who knew nothing of the matter and there were NO notes in the account!
After pressing and pressing for a manager, I was connected with XXXX XXXX. I spent close to 2hrs on the phone with XXXX XXXX He made a genuine effort to solve the problem. I asked him to submit a complaint against both XXXX and XXXX for failing to take notes and further actions to solve the problem.
I learned through this process that Golden one 's account number is in fact, the member number. And that the actual account number is called the book number. Surely many have incurred fees as a result of not knowing this!
I scheduled to speak with XXXX XXXX business days later to ensure progress.
Then, after pressing and pressing for an intermediate solution my checking account was credited the ach amount of {$4000.00}, which I had sent to them from XXXX on XX/XX/XXXX. I provided snapshots of my XXXX account, and emails that I had exchanged with their people to support my claims.
XXXX initiated a long overdue investigation on the matter during this call.
XXXX delayed their response in getting me a trace number. Still, I provided it to XXXX on that same day.
When I spoke with XXXX on Tuesday XX/XX/XXXX I was informed the credit union could not locate the transaction with the trace number and that the case would be closed.
I insisted, with updated evidence of communications with XXXX that they NOT close the case as it was not a resolved matter to no avail. See the written communications attached. Finally, on XXXX the " account number aka golden one member number I used to send the transaction was finally sent to me via email. This is what Golden one was supposedly waiting for to restart the investigation.
Since that call I have copied XXXX on all emails from XXXX. I sent an email to the general GoldenOne email inbox. Golden Credit Union has been unresponsive in solving the matter.
XXXX insists they are providing the correct Trace number on the transaction.
All of this is included in the attached emails.
Golden insists they can not locate the transaction using any of the numbers provided, therefore they can not return it.
XXXX insists they can not do anything until Golden One returns the deposit.
I am stuck in the middle and am requesting an intermediary to help solve this problem.
|
| 02/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I AM BLOCKED FROM MY ONLINE BANKING ; Permanently?
Golden1.com is now requiring me to receive a text message or phone call in order to pay my bills.
We do not have such agreements, and if they say I do it's only because the computers do not let you have a choice in the matter and coercion is the only end result.
Under the US Debt ACT, I have a right to my bills, and Golden1 is requiring a phone number or an email in order to pay my bills.
I have been a member since 2005, and I never needed a phone before or email ....
Golden1 still refuses to do anything to rectify the situation, where I can not logon to the golden1.com website to view my bills for over two-weeks now going on three or more weeks without knowing how much my bills are, as they required me to go paperless to pay bills online but will not let me see those bills .... [ violation of both federal and state laws ] I called numerous times, and all customer service reps said they could help, but only wasted my time harassing me and NOT fixing the required phone number to access bill pay -- -we 're not in a contract to require a phone number to pay our bills.
they don't get it.
Help me from this controlling monopoly running credit union who is NOT playing by the RULE of LAW created in UNITED STATES OF AMERICA Under the Debt ACT!
Failure to see my debt/ the debt is NOT VALID Failure to allow me to see my debt -- Thou Shall Pay restitution thereof for all expense thereof AND IS/Will Be req 'd to pay fines of not less than {$5000.00} for breach of contract to do such banking -- as we did not have a contract to require a phone number to pay bills, and where an additional {$5000.00} fine for time and troubles and abuse of such systems placed per FDIC to receive such funding under Credit Union Rules, where such State Statutes exists under Law in California can be held against such credit unions for failing to help people pay their bills...
I even went into the bank to see if they could remove the phone number requirement from their website, and they said they could and did.
Now I can not logon at all, because it now shows there is no way to be verified, and the only button that is clickable is the CANCEL button. The phone number requirement is not selectable, and the website will not let me logon still to pay my bills.
Numerous weeks have gone on and overdrawn in my account -- Golden1 refuses to let me login, despite asking in person and on the phone numerous times.
SO THAT'S iT?
NO MORE BANKING ONLINE BeCAUSE I DON'T HAVE A PHONE?
STOP Please HELP me stop stupid behavior in either directly a violation of my constitutional rights for a contract to pay my bills and as stated under the US DEBT ACT, The right to view such bills, where I am being deprived to that right and why you have received this complaint.
If the norm is to have a phone or if one does not, do they exist?
Under the Debt Act, one does not need to prove they have a phone number to pay their bills.
Nor will you find such rules/laws stating that I gave up my right to pay my bills online in anyway due to the surrendering of a personal phone number ; where Golden1 simply required a phone number without consent, before requiring me to sign up to view my online banking where I thought it was strange that a bank was able to deprive people from their rights to pay their bills if they didnt provide either a phone number or email, where they have always had these on fileand never asked for them since 2005.
When asked to provide a phone number I put XXXX XXXX XXXX the first time, but didnt workso I had to put my phone number for real, or I wouldnt be allowed to view my bills ; but when prompted for an email, I was angry by this point and realizing they didnt have these rights to ask such questions, I put, XXXX ..., or something like thatAs I never seen anyone violate my Countrys Positionality of my Rights to pay my bills before Under these here US LAWS for which it STANDS.
I have to have a phone number beginning now in order to pay my bills?
Golden1s way or no way at all when requiring such demands is a violation of numerous laws I never agreed to.
|
| 03/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I've been filling out loan applications for 2 weeks. Monday, XX/XX/2023 around XXXX I got a call from representatives of XXXX XXXX that told me they were loan officers of this company and could get me a loan. They emailed me paperwork that I signed and sent back, along with a copy of my CA drivers license. Maybe an hour later they asked me to do an account verification action that would boost my credit score. I gave them access to my mobile banking app and they remotely made deposits, 2 @ {$900.00} each to my account. I then sent them back the available funds ( {$1500.00} ) in XXXX. They said they needed to do a second transaction to get my credit score up higher as it was still too low. They deposited funds again, 2 @ {$900.00}, but they were not available so they said they would call me back in the morning. The morning of XX/XX/2023 I got a call from the same person representing XXXX XXXX as a loan officer and part of the funds, {$1400.00}, had cleared so I again sent them that amount in XXXX. They said I would have the principle of the loan balance deposited into my account later that day, by XXXX XXXXXXXX. At XXXXXXXX XXXX I got a call from the same loan officer that said my credit score was still too low and they needed to do one more account verification payment the next morning in order to fund my account with the {$6000.00} loan. The morning of XX/XX/XXXX this same person called but I told him I felt 2 payment verifications were sufficent. He assured me only one more and I relented. He made 2 more deposits, a {$1500.00} and a {$500.00}, but most was on hold so i only sent him {$1100.00} in XXXX. He said I'd have the loan principle in my account within one hour. I then got a call from a representative from XXXX XXXX, who said he had a {$10000.00} loan for me. I signed the paperwork from him and waited. He called 20 min later and asked if I had tried to get a loan from anyone else in the last 48 hours. I said yes, and he said they were bad people and I shouldn't have done business with them. I first called my bank, Golden 1 Credit Union, at this time. They said the account was under review and would not speak to me. I could no longer access my account at this point. I waited and the guy from XXXX XXXX called again, said my account was frozen and his {$10000.00} loan he had given me was frozen along with my account. And that he would try to cancel his loan to me, and get his money back. I called Golden 1 a second time, again saying I had been scammed, and was told my account was in review and I couldnt do anything, nor were they able to speak with me about it. For 30 days. I tried to stop direct deposit of my work check into the account but it was too late. And my employer, XXXX, said they couldnt stop payment on the check nor issue a new one until it was rejected by bank and returned to them. Obviously Golden 1 kept my paycheck. I went the morning of XX/XX/2023 to the XXXX police department with my documentation and filed a police report. It is report # XXXX. They said it would be 7-10 days before they would get to it. I emailed golden1 with the police report number and brief explanation and requested to speak with someone. I later received an email from them that the account was locked but that I could access online. I was unable to. I went to the branch office of golden1 credit union on XXXX XXXX in XXXX, CA today, XX/XX/2023, and was told that they were holding me liable for the fraud and that they were keeping all my money in the account and still wanted another {$2000.00} from me. Thats when I came home to file a complaint with you.
|
| 09/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I used the ATM at the Golden one Credit Union in XXXX on XXXX XXXX. I used a debit card from another credit union that is connected to Golden one. I tried to withdraw a XXXX dollars from the ATM and the ATM said XXXX dollars was the most money I could withdraw. So i entered the amount instructed by the ATM and tried to withdraw XXXX dollars as the ATM instructed. The XXXX dollars did not come out the ATM. No money ever came out the ATM and I got a receipt that said XXXX dollars withdrawal and at the bottom of the receipt it said exceeded the daily limit. Even though the ATM said in the previous screen that XXXX dollars was my limit. I did not withdraw money out of my account from an ATM the entire day or previous day. Then as I recorded the incident on my XXXX XXXXXXXX because I thought the ATM made a mistake and said I withdrew money when I did not. So I wanted evidence to show the branch during business hours. The ATM processed my card inside the ATM and did not let it out. I could not use the machine or retrieve my debit card from the Machine. This was a security issue. So I called the Golden 1 customer service line and spoke the a representative on the phone. When I explained the entire issue above to the Golden 1 representative above she told me to call my Credit union and report the card lost or stolen. I told her it was not lost or stolen and that the ATM at her branch ate my card. she said there was nothing she could do and that I had to call my branch to request a new card. I told her that my rent is due tomorrow at XX/XX/2021 and that i wont be able to pay my rent due to me card being eaten or processed inside the ATM. She said there is nothing she could do. I then asked if I could make a complaint about the ATM at the Golden one in XXXX, California. She then said that I had to call my credit union and report the incident to them about my card being processed in the ATM and not let out. I said you cant even make a note or report that my card was taken by the ATM. She said no and told me to tell my credit union which would then contact the branch she works at Golden One. She then told me that my debit card was shreded and i would have to contact my Credit union to figure out why .So I called my Credit union to tell them the issue. They told me I have to wait 10 days for the new card to arrive in the mail. I can not pay my rent for 10 days. I can not but food or gas until my card arrives in 10 days. I then told the XXXX XXXX XXXX representative that i wanted to report the Golden 1 credit union in XXXX for processing my card and possibly shreding it even though i have plenty of many in my account and even though my card is not fradulent. My credit union told me that was a fabrication and that there is nothing they could do to report the incident or make a complaint and that I would have to call Golden 1 credit union to file a complaint about the ATM in XXXX California on XXXX XXXX. Now i can not pay, my rent, buy food or get gas because of this incident. The ATM at the Golden! on XXXX XXXX in XXXX, California is well-known for eating ATM 's and not dispensing the money that is printed on the receipt. Please let me know if there is any action I can take to file a complaint on this branch. I am willing to take legal action, Thank you
|
| 01/28/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On XX/XX/XXXX, I received an email from XXXX Tax Collector saying that my check bounced from Golden 1 Credit Union. When I opened my account I am showing that there was enough money to cover the check. I called the bank and they told me that there was no money in the account to cover the check payment. Please see the rejection below from XXXX XXXX XXXX Collector. On my online statement, I show that I have more than enough to have covered the transition listed below. Clearly, this was an opportunity for the bank to take money from my account although funding was there. Please respond to my request if you need further documentation regarding this issue I can be reached at XXXX and XXXX.
Thank you in advance for your time in processing this request. It is my request to invest to see if the company is going this to other members as well.
XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$22.00} {$2700.00} XX/XX/XXXX Checking Deposit @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$100.00} {$2800.00} XX/XX/XXXX Checking Deposit @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$1400.00} {$2700.00} XX/XX/XXXX Checking Deposit @ XXXX Online Transfer " STD '' XXXX from share 0 {$100.00} {$1300.00} XX/XX/XXXX Checking Deposit @ XXXX Online Transfer " STD '' XXXX from share 1 {$200.00} {$1200.00} XX/XX/XXXX Withdrawal ( Item # ACH FEE ( S ) ) {$30.00} {$1000.00} XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$43.00} {$1000.00} XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$120.00} {$1000.00} XX/XX/XXXX Checking Deposit @ XXXX Online Transfer " STD '' XXXX from share 1 {$800.00} {$1100.00} Here is the count tax letter received via my email also see attached to the bank statement from Golden 1 XXXX XXXX Tax Collector : Payment Rejected XX/XX/XXXX at XXXX AM PrintRaw message XXXX XXXX To : XXXX Your bank has dishonored your e-check payment. The reason given was : Insufficient funds ( R01 ) Please contact your bank if you need further information about why the payment was unsuccessful.
If your e-check was rejected for any reason, you may be charged a service fee.
Please contact us at ( XXXX ) XXXX if you need further information about why the payment was unsuccessful.
Return Confirmation # XXXX Your payment has been returned.
Payment and Return Summary Transaction Details Payment Date : XX/XX/XXXX XXXX AM PST Return Date : XX/XX/XXXX XXXX AM PST Recipient : Tax Collector Location : Public Site Received Via : Online Payment Type : e-check Account Information : THE GOLDEN 1 CREDIT UNION Account # XXXX Paid By XXXX XXXX XXXX Adjustments Original Amount Charged to Your Account Amount Returned to Your Account Total Balance Remaining Charged to Your Account ( if any ) Payment : {$2100.00} {$2100.00} {$0.00} Total : {$2100.00} {$2100.00} {$0.00} If your payment was returned by your bank, you may need to submit a replacement payment.
|
| 04/06/2023 |
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 |
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I am undergoing a financial hardship since XXXX of XXXX when my husband lost his job. In XX/XX/XXXX inflation was up 15 % which made it hard to pay the amount due. I called Golden1 in XXXX of XXXX asking how could I apply for a hardship to lower the monthly payment and I was instructed on how to do that and did so just before my XX/XX/XXXX grace period was over which took it out to XX/XX/XXXX. It took Golden 1 several weeks to complete my request as Golden 1 was behind in these requests. Once I signed the hardship loan on XX/XX/XXXX I had an understanding that my loan would be made current and I would be able to make the new payment of {$290.00} and the months, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX would be deferred to the end of the loan and my new payment would be due XX/XX/XXXX with a grace period of 14 days. I noticed the payment was updated in XX/XX/XXXX but the due date was not and made it impossible for me to catch back up because this was not deferred correctly. I called and debated with someone on the loan team and they were quite rude and not helpful at all. The Golden 1 representative I talked to before this when I applied for the hardship program explained everything incorrectly which was on a recorded line. Please pull call from XX/XX/XXXX. This is not my error. It is Golden 1s error because the employees are not trained properly to pass on correct information and gave me a false understanding. If I had the correct information then I would have made another payment before that. Instead I was making payments to other debt when I could have made Golden 1 the priority because I thought XX/XX/XXXX was the new due date. As you can see, I have my checking account with you and have been a customer for many years. That being said, since your employee gave me incorrect information which helped cause the error I would ask you that as good customer service and good faith that you would report that these were reported in error as I was making every attempt to keep my account current and had your employee provided me with the correct information this all could have been avoided and also you all were behind for 2 months in handling the hardship program-also not my fault. I am asking you to please re-consider as this is hurting my credit and it just isnt fair since I made an effort to handle this and have been a long time customer.
Also that being said Golden 1 is violation my rights and in violation of the fair credit reporting act rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
This account remains OPEN. Also reported in error. Please correct your errors. Your response will also be published publicly.
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| 03/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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Hi, i opened both a savings and checking account with Golden 1 Credit Union back in 2020. And was issued an ATM card that i used connected to my account. The last time i had used my ATM was on XXXX XXXX, XXXX. ( It was a Friday. ) At which time i had withdrawn {$200.00}. Leaving my account balance at {$350.00}. Then on that following Monday I had discovered via the mobile app that my balance was now at {$6200.00}. Unsure of the funds deposited I had called Golden 1 to inquire about my findings. I was told that I had numerous transactions on that date and discovered that I did not have my ATM on me. The employee helping me over the phone was a woman and unfortunately i did not get her name. She had advised me that I needed to file a claim on my account. And was reassured that she was able to file the claim for me as we spoke over the phone without having to go in person to the nearest branch. It is important to note that the employee had also told me that she had not ever filed a claim with a deposit transaction so i was placed on hold as she learned how to submit my claim on her end. Appeased i obliged and answered all questions asked of me. To my dismay it would take a few days and in the meantime I was unable to access any funds. So I waited. Since that time, I have NEVER had my balance corrected. And to date they have closed my account leaving me with a negative balance and forwarded me to collections. I am now in XXXX and can not open another account in any other bank. I ended up having to file 2-3 more claims within my account to try and get me back to my original amount of {$350.00} because apparently the first original claim filed was not done correctly nor were the subsequent claims filed after trying to fix the negative amounts left from their inability to correctly file my claims. Did that make sense? I have spoken to numerous employees via phone and in person from both customer service and the fraud department. And have sent several emails requesting management handle my situation and correct my account. They also kept several direct deposits of mine to pay back whatever negative amount was still showing up in my account at the time. Both my stimulus check of {$1400.00} and tax return of {$560.00} totaling to {$1900.00}. And of course the {$350.00} that i had in my account when i had last used my ATM. From beginning to end i have been cooperative and patient with them. Only voicing fustration via email. I have had several conversations with employees that made me feel like I was losing my mind for it was noted in my account that i was already told of the reason why my account was not in good standing. I did lose both my mother and grandmother last year and all of this did start at the beginning of Covid well. But it does not dismiss the fact that I have been wrongly handled by Golden 1.
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| 05/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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Web |
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There is not an option for my specific scenario. My account wasn't closed however, the bank cancelled my debit card with out advising me first. I have a large amount of money in this account and upon attempting to get gas, found that my card was declined. I immediately called into my banking center and was told that my card had been cancelled ( supposedly BY ME, yet I NEVER called in with such a request ).
I advised that I HAD never called in to cancel ANYTHING and needed access to my money ASAP. I was told there was nothing they could do because, A ) the department I need to speak with was closed and B ) they could 'reactivate ' my card and instead I'd have to be snail mailed another one. I was LIVID as that is the only card I have and use every day for everything from food to bills to gas. I was on the phone with the customer service agent for over an hour ( she kept putting me on hold ) and STILL she had no explanation as to WHY I wasn't given PROPER contact prior to my card being cancelled ( via someone from the bank ACTAULLY SPEAKING TO ME ) to advise that my card was going to be cancelled. Had they ACTUALLY SPOKEN TO SOMEONE I could have explained that it was a mistake on their end because I had NEVER called in and reported ANY fraud. After all the time on the phone she never gave me any resolution. Since my card was cancelled, I couldn't get gas for my car and was FURIOUS. She said she'd call me back first thing the next day with a solution.
She NEVER called so I called the bank AGAIN and was told they could replace the card but it would 5-7 BUSINESS days. Mind you, this 'error ' happened on a Thursday meaning I was to have NO ACCESS TO MY MONEY for possibly 9 days since weekends are not 'business days '. I advised that I needed my card ASAP and was told they could expedite it to the address on file and someone would have to be there to sign for it. I then told them that I work full time and not home during the day therefore would not be there to sigh for it. I requested they send it to my work so I'd have access ASAP and they refused saying, it HAD to be the " address on file ''. They are essentially blocking me from my OWN MONEY. I have never had overdrafts on my account, I am a long time customer AND I have NEVER been in the red with my account, EVER. How is this possible that they are able to CANCEL my card WITHOUT MY AUTHORIZATION????? I have ZERO access to my money, the banking center is located in XXXX California and I now reside in XXXX California and they are doing NOTHING to assist me in getting access to MY MONEY ASAP. HOW is this legal??????????
|
| 01/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On Thursday XX/XX/ 2022, Golden 1 Credit Union seized my checking account funds the day I received my payroll check. The used these funds to pay on my delinquent credit card issued by their institution. They seized {$2300.00} and have yet to contact me back about my dispute of this or my requests for a claim of exception or hardship. I placed a call to them XXXX Friday XXXX 2022 and was advised that a manager would call me back the following Saturday XX/XX/ 2022. I did not receive a call as I follow up and was told they did not have a Manager available due to staffing issues to contact me. I went into a local bank that same day to speak with a Branch Manager, that simply made a call to the same department I contacted and was reiterated the same, that no one was able to assist me. The Branch Manager confirmed with the representative that there was a request to contact me about the issue and that I should receive call no later than Tuesday XX/XX/ 2022. The representative also stated to the Branch Manager, that it "... probably wont help speaking to them as the funds will most likely not be returned. '' As far as collection tactics I had not received any written delinquency notices via mail or email to collect the debt. I was informed on XX/XX/ 2022 by the representative that they do NOT send any written correspondences to collect, but rather will attempt 1 phone call to collect and if no contact is made by the consumer, they will seized all account funds. I advised the representative that this was not fair and due to my financial hardship my phone has been disconnected a few times and the message was not received. She did not indicate any other correspondence that would have been sent prior to the seizure and only stated that it is within the terms of the agreement that this could take place. However within the agreement it does not indicate the collection tactics that are to be used. The representative stated they limit the communication so that the consumer does not close the bank account.
Considering the climate of the financial instability, of which I had been impacted with a loss of Child Support income, and the inability to sustain my payments, I feel that this practice was unfair and inhumane. They offered not solutions or have made contact to assist me. I have XXXX children and my income for employment is for our livelihood and they ceased all of my funds. The collection tactics are unfair.
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| 12/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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To Whom It May Concern, I am writing to express my dissatisfaction and frustration with a recent experience I had with Golden 1 Credit Union regarding my auto loan payment. I have been a loyal customer, and until now, my experience with your services has been satisfactory. However, the handling of my auto loan payment for XXXX has left me extremely disappointed.
I noticed a late payment charge on my account for XXXX auto loan payment, which was surprising since I had set up auto-pay through the Golden 1 app. Upon checking, I discovered that the auto-pay feature was inexplicably turned off, resulting in missed payments. This issue led to a significant drop in my credit score by XXXX points, causing me undue stress and potential long-term financial repercussions.
When I contacted your customer service for assistance, I spoke with multiple representatives, each requiring me to explain the situation repeatedly. Despite my efforts to resolve the issue, the responses were consistently unhelpful and inconclusive. Notably, the last representative suggested that the problem might have been due to XXXX XXXX XXXXXXXX ( XXXX ) putting a stop on the transfer. However, upon contacting XXXX, I confirmed that there were no such holds or stops initiated from their end.
It is clear to me that the fault lies within the Golden 1 system or process. The lack of accountability and failure to provide a satisfactory explanation or solution is unacceptable. The impact of this error on my credit score and the time wasted in attempting to resolve this issue with your customer service team is concerning and reflects poorly on Golden 1 Credit Unions commitment to customer service. Therefore, I request the following actions be taken immediately : 1. A tho
rough investigation into why the auto-pay was disabled without my authorization.
2. A reversal of any late fees incurred due to this error.
3. A formal apology for the inconvenience and the poor customer service experience.
4. Measures to ensure such an incident does not recur in the future.
I expect a prompt response to this letter, outlining the steps Golden 1 Credit Union will take to rectify this situation. Failure to adequately address these concerns may force me to reconsider my banking relationship with your institution and seek legal advice.
Thank you for your immediate attention to this matter.
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| 06/27/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I was in forbearance with the Golden 1 Credit Union Mortgage Dept from during the Pandemic and was approved for a deferment for the months of XX/XX/XXXX to XX/XX/XXXX ( which outstanding mortgage payments were pushed to the end of the loan ) and start fresh with regular mortgage payments in XX/XX/XXXX. I have made payments from XX/XX/XXXX through XX/XX/XXXX. Somehow my XXXX and XX/XX/XXXX payments were applied to the deferment and caused me to be behind again. I have made numerous calls to the Golden 1 CU Loss Mitigation Dept and they finally corrected the error in XX/XX/XXXX. However during these months my mortgage payments was misallocated since it was showing I was delinquent. The following are where my payments were applied to : XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX I have made 15 calls to the Golden 1 CU with no resolutions. Each time I call I get transferred from customer service dept to collections s dept and then to loss mitigation dept. Not one dept is willing to help me resolve this. Is as simple as movi g the oayments back to where it belo gs to but the whole organization do not have one single person or dept that can do that. Each phone call is approximately 2 hrs long as i am transferred and passed on to another dept each time. I spoke to several supervisors who said they will help me resolve this and reach out to the loss mitigation dept but never receive a call back. When I call to speak to the same supervisor I always get another supervisor and have to explain the situation again. Still with no resolutions. I am very stress and frustrated, therefore I reached out to our congressman XXXX XXXX who then provided your website to file a complaint. I have health issues and have been struggling to make my mortgage payments but tried my best to do so. I would push back other bills just to make sure mortgage payments are made. I have been working g part time only on reduced schedule due to health problems. And in XX/XX/XXXX I had XXXX and did not work nor made my mortgage payments for both XXXX and XX/XX/XXXX. I am afraid that I will lose my home and this is the only home I have to keep a shelter for my children. Please, please help me resolve this.
Sincerely,
|
| 12/19/2018 |
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
|
|
Web |
|
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My child was the victim of phishing fraud. My child used their debit card connected to their youth account to make purchases on a spoofed website which did not clear. The debit card information was subsequently used to open a fraudulent XXXX XXXX account through which three transaction were attempted in the amount of {$1000.00}, but only two cleared. The cleared transactions are as follows : XX/XX/2018 : {$1000.00} XX/XX/2018 : {$1000.00} I have attempted to dispute these transaction, however on XX/XX/18 Golden 1 Credit Union indicated that the claim was denied because, " you grant [ ed ] a person authority to use your card and that person exceeds the authority given, you are fully liable for all charges even if the amount of the actual use exceeds your permission unless you have notified us prior to the unauthorized charges that used of the device is no longer permitted. '' On XX/XX/2018, when I called in to seek clarification I was told, " by providing the debit card information on the spoofed website, my child granted authority to open the XXXX XXXX account and make subsequent transactions. '' At no time were these unauthorized charges permitted. The fraudulent XXXX XXXX account nor where the subsequent charges issued therefrom.
After reporting these facts to Golden 1, they are determined that my child was an active participate in the fraud.
The XXXX XXXX account has been closed as had my child 's youth account. Per XXXX XXXX my child 's information was used, however the year of birth was manipulated to appear that my child was over the age of 18.
At no time was debit card information provided to any individual with the intent to grant authorization to use the card or make any XXXX XXXX transactions.
I believe that Golden 1 was negligent in its duty to my child and me as account holders. Golden 1 should have never authorized these transactions through my child 's youth account. The bank should have used more caution with youth accounts because of the nature and vulnerabilities of children. Multiple transactions were attempted, two of which were successful. Additional attempt was halted only after my child discovered the fraud and took action.
|
| 05/02/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
I have had an account with Golden 1 Credit Union for almost 30 years and was able to continue with the account when I relocated to my home state of Alabama. I have an ATM ( only ) card which is tied into my savings account. I do not have a debit card due to the fact that privilege was taken away back in XXXX when I had an issue with my checking account. I always receive a new ATM card via mail upon expiration of the old one. I had not used my ATM card since XX/XX/XXXX due to to the pandemic and attempted to use it on XX/XX/XXXX when I discovered I could not remember my pin number. I called Golden 1 Credit Union in an attempt to recover my pin number, but discovered that the ATM card had expired XX/XX/XXXX, so I needed a new ATM card and could not remember if I had received a renewed one.Instead of the telephone teller stating that a new ATM card will be mailed out immediately, she copped an attitude and stated that I needed to apply for another one. I immediately quipped that was not the proper procedure for an ATM card, perhaps a debit card which I do not have. She demanded I apply for a new card which was very odd because I had never encountered this problem with my ATM card ever!! It arrives in the mail like clockwork when the old one has expired. She refused my request for a supervisor and demanded information for an application. I complied because I know I have a XXXX credit score and excellent credit and she stated it would be a soft pull. She immediately comes back to the phone and states " you're not qualified. '' Not qualified for what I replied. I then remembered that there is a freeze on my credit report and wandered how she pulled the credit. I received the denial letter today, XX/XX/XXXX, and refers to XXXX XXXX which I am assuming goes back to XXXX when I had a problem. I have never done a credit pull in the past for the renewal of my ATM card. I hung up the call and called back and demanded a supervisor. The supervisor investigated the situation and was perplexed and stated " there is absolutely no reason why you should be denied an ATM card '' and that she would send one out immediately. The bogus denial letter is attached.
|
| 02/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am writing to request your assistance in resolving my concerns, after an ongoing issue with the Credit Union has left me rather perplexed and distressed given the experience which I have had in my short time as a new member of Golden 1 Credit Union.
Please note that after my initial email to you requesting assistance and escalation to Credit Union management after multiple notably confusing interactions with customer care staff that my family members whom reside in New York were contacted without my knowledge to inquire about me and my information. While I can certainly appreciate doing ones diligence for a new Accountholder, I do believe that this was indeed unnecessary, at which time I amiably worked directly with XXXX XXXX XXXX in Financial Investigations to confirm both the validity of my identity as the accountholder and the check deposit from my father ( the check writer ).
Please note that I have provided all of the information requested of me and even information in excess to verify not only my identity, but the deposited check itself which has since been adequately verified with XXXX XXXX and your representatives. In addition, my XXXX father in addition to myself took a great deal of time over the last 48 hours to work with the Credit Union to ensure this matter was resolved, and I request that this be honored in full promptly. Please be advised that per what Ive been advised by Golden 1 representatives, this check has indeed been verified by the external bank with confirmation of funds availability as well.
Please be advised that my distress at this time stems from the arduous process which I have been placed through these past two days, & with the information provided to me this afternoon by your staff today on a call today ( Inbound recorded - XX/XX/23 ) that once XXXX XXXX signs off on the check today, all funds would be available.
This credit union has lied on several recorded calls with agents promising the release of my funds, and have taken no accountability for the abhorrent treatment of me and the economic hardship caused me.
This matter is an emergent matter.
|
| 12/13/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2022 I experience issues while trying to receive an instant deposit from XXXX XXXX to XXXX XXXX. XXXX XXXX provided the trace ID and compensation for the instant payment not being received. XXXX XXXX initially emailed me saying my funds are subjected to being on hold, although XXXX sent this as an instant payment. Being an employee with XXXX XXXX, I called support to get assistance with the deposit not appearing & attempted to provide them a XXXX digit trace number. The support agent informed me this was a charge onto my account and will be released in XXXX days. She mentioned the system didnt acknowledge it as a credit, although my email stated the deposit was subject to hold. In addition, the company turned my Courtesy Pay off from my account. The policy states, after not bringing the account to a positive balance after XXXX days, you will be removed. Removed and Disqualified are separate things, disqualification happens after XXXX days. On the XXXX day, I was removed. I requested to be re enrolled XX/XX/XXXX and spoke directly with a supervisor. He confirmed I was enrolled and would need to wait XXXX. After waiting XXXX, I reached out XX/XX/XXXX informing this supervisor my Courtesy Pay wasnt activated. He informed me, he didnt give me the proper instructions and I would need to now request this at XXXX XXXX. It took approximately a week for Courtesy Pay to be active and it was only after sending the email about contacting CFPB. I feel as if I am being mistreated, mislead & the products have been deceptive. I also feel these are intentional acts. Ive been asked for additional verification, in order to get external transfers released although the account hasnt been red flagged for the transfer. Ive been asked to prove I am a Ca resident in order to open additional accounts although I am a XXXX XXXX employee. I emailed the company asking for a response & my dispute was reversed on my account yet my email has not been acknowledged for products, services, or my appeal that I requested in writing. I have been mistreated as a member and mistreated as an employee.
|
| 04/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is complaint is because Golden1 Credit Union has violated several of my rights and they refuse to correct them and or acknowledge them all together. Under the Fair Debt Collector Practices Act ( FDCPA ) 15 U.S.C 1692 ( G ) Section 809 ( B ) I disputed a claim and requested a validation of debt For Account # XXXX in the amount of {$70000.00}. They have failed to do so properly even with ample time given. Golden1 Credit Union Had an obligation to respond and properly validate the alleged debt or they admit by silence and agree that I do not owe this debt. Golden1 Credit union has also violated my cease-and-desist letter by continuing to collect a debt in which I believe I do not owe and which they agree by not rebutting any statement I sent. Golden1 Credit Union is also reporting to credit reporting agencies that I owe this debt which is hindering me from getting a loan and getting approved for credit from lenders by claiming fraudulently that I owe such debt. Golden1 Credit Union and I entered into contract on or about the XXXX of XX/XX/2022 for a vehicle. Upon me learning of the fraud inside of the contract I sent them a letter of recission under 15 U.S.C 1635 ( a ) notifying them in accordance with the bureau. Also I informed Golden1 Credit Union that under 15 U.S.C 1605 Except as otherwise provided in this section, the amount of the Finance Charge in connection with any consumer transaction shall be determined as the SUM OF ALL CHARGES, payable directly or indirectly by the person whom credit is extended. Ive pointed out to Golden1 Credit Union being the indentured trustee where that was violated in said contract and contacting me for any reason about a debt or attempting to collect a debt according to 15 U.S.C 1692 ( b ) ( 2 ) which states that you may not state that I a consumer owes any Debt. So not only is Golden1 Credit Union not validating a debt in question but they are violating my cease and desist order and reporting to credit reporting agencies about this debt and I have NEVER given them permission to do so. They have an obligation to produce
|
| 01/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
XX/XX/XXXX I called Golden 1 to let them know not to let XXXX XXXX XXXX rental manager XXXX XXXX, into my account, I informed XXXX of the fraudent activity I authorized my rent an amount Im on XXXX XXXX XXXXXXXX XXXX calculated affordable income a rent amount that is not to be changed only by XXXX XXXX, On XX/XX/XXXX I informed this apt manager XXXX XXXX she must of made a mistake i showed her the transactions she was taking was over my rent calculated by XXXX, this manager was aware she didnt stop, she kept taking the wrong rent amounts, XXXX credit union adjusted the wrong rent amounts taken, on XX/XX/XXXX then on XX/XX/XXXX I was informed by mail XXXX credit union stated the statue of limitations has passed and they can not cover the fraudent over charging of rent amounts after consideration, XXXX then took all the charges back, a Rep from XXXX informed me that they called XXXX apt manager XXXX XXXX XXXX informed her of the overcharges, XXXX got back to me stated apt manager told the rep from XXXX to read the lease, the lease only states rules of the apartments nothing about overcharging of rent by XXXX its against the law. Only XXXX can change the rent amounts. XXXX took XXXX XXXX word for it only so XXXX dose n't have to cover the overcharges of course. I have moved from these slum apts on XX/XX/XXXX I informed XXXX I moved to change my address, I thought they did come to find out from informed delivery I could see image of my XXXX credit card was sent to my old adderess someone found it activated it charged {$550.00} the only one who could do this is the apt manageXXXX XXXX XXXX with all my personal information actiivated the credit card XXXX XXXX informed XXXX about my credit card sent to the old address XXXX stated to me " it must of been a Glitz in the computer as to why XXXX sent to old address I informed XXXX Police XXXX XXXX sending CFPB the police report.please send back all documetns I have court soon this is my proof. apt manager kept my deposit in bad faith also.stressed out.thank you.
|
| 12/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
In XXXX of XXXX I received an overdrawn statement from my bank. I acknowledged that my account was overdrawn by {$29.00} for LIFE insurance. There's one other charge for XXXX XXXX at {$150.00}. At the bottom of the letter stating the account was overdrawn it states " If the account isn't brought to a positive balance within 45 days the account is subject to closure and reporting to XXXX. '' This statement was dated XX/XX/2021 for the LIFE insurance.
I was told by the representative when I reached out on the XXXX to pay, I explained the hardship I was experiencing with COVID and losing my job. I said I wanted to bring the account current. She informed me the account was closed as of XX/XX/2021.
As you can see, that IS NOT 45 days. This was the only contact I had with Golden 1 was through email and the phone call. I asked the representative " How can I take care of the bill while my account was closed. '' she replied " I don't know. There's nothing you can do. '' Later, I find that the company sent my bill to collections. I was calling that day to take care of the bill. I never got a run down of how my bill turned into over {$300.00}. I wanted more information on the fees I was to pay and never got a response. I am not disputing that the account was overdrawn. I AM DISPUTING THE 45 DAYS the company says they will give to bring the account into positive standing AND THE REPRESENTATIVE NOT GIVING ADEQUATE AND ACCURATE INFORMATION ON HOW TO PROPERLY RESOLVE OUTSTANDING BALANCES AFTER ACCOUNT CLOSURE. The account was not 45 days out and I have no other proof of Golden 1 attempting to reach me.
I emailed the billing department and explained my hardship. I had been with this union for years, while I was waiting on a response from them ( Which they never responded to! ) they sent my account to collections without ever replying to me explaining what the next steps were or procedures after account closure. They never explained what the fees were on how the amount got up and over {$300.00}.
|
| 04/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2021 I noticed a large charge for {$1800.00} was removed from my account for a company, XXXX XXXX, XXXX. I immediately knew this was a fraudulent charge because I live in XXXX, CA. and this company is only in XXXX, Florida. I tried reaching out to the company first. The company has no website and no known contact information. So, I immediately ( that same day ) reached out to our bank, Golden 1 Credit Union, to file a fraud claim investigation. I was told that Golden 1 would issue a temporary refund while the investigation completed. Months went by and Golden 1 never reached back out to me, nor did they keep me up-to-date on the investigation. On XX/XX/2021 I received an email telling me that Golden 1 concluded their investigation and found that the charge was correct. This is absolutely untrue. I called Golden 1 Credit Union immediately on Friday, XX/XX/XXXX asking to see the " proof '' they had that this charge belonged to me. They told me they would provide that but could only do so by sending me it through the mail. I waited, and as of today, XX/XX/2021, I have not received ANY proof from their investigation. I, once again, spoke to someone today XX/XX/2021 and am being told there is " nothing else we can do ''. Golden 1 is taking back the {$1800.00} on Friday, XX/XX/XXXX. This is completely wrong. The bank has refused to work with me on proving this charge was made by me or my wife. This company only does business in Florida. I have never been to Florida.
I was finally able to find a phone number for this company and called it five times. I only get two spanish speaking individuals and when I mentioned my name and that I was calling about a fraudulent charge they immediately hang up on me.
There is NO WAY that Golden 1 reached out and spoke to this merchant. If they did they would have immediately realized this is fraud. How can I be responsible for {$1800.00} when I NEVER made this purchase?
|
| 10/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX.
Car was Financed with Golden1 Credit Union and Gap Coverage with XXXX XXXX My son had a Total loss accident on XX/XX/XXXX.
Today is XX/XX/XXXX and my account with Golden1 has been placed in collections for {$8100.00} as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX has been calling me on behalf of the credit union. My credit score is at poor and it saddened me that this has become a nightmare.
XXXX paid right away and I assumed my Gap Coverage would take care of the balance shortly thereafter. After numerous calls with XXXX, Golden1 Credit Union, and XXXX i was told not to worry it would be taken care of.
Months go by I assumed the credit union was paid in full. Unfortunately, they were not and this balance became my responsibility. XXXX made the first payment of {$2500.00} in XXXX and this left me with a balance. I was unaware why, called and called, I finally was told that I also needed call XXXX Dealership to issue a refund to the credit union. This was the first time I was ever told this and it now months after the accident. The rep. told me they dont know if they can back dated to XXXX because it is now XXXX but she would do her best. By now my account has been sent to Collections and XXXX XXXX XXXX are calling me for money that I understood the Gap Carrier was to pay. XXXX issued payment XX/XX/XXXX in the total amount of {$3400.00}. XXXX made an additional payment of {$190.00} XX/XX/XXXX. To my surprise XXXX XXXX XXXX has no record of these payments and as of today, they are requesting {$8100.00}. I called the credit union twice today and each rep. treated me very unprofessional and like XXXX! I am totally disappointed and my credit score is damaged. I feel that I have been treated unfair, between the insurance carriers, the credit union and the dealership this should not have happened and I should have a XXXX balance due. Please help!
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| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX Golden 1. I made my external transfer for my May payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all 3 credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX.
I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made
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| 06/25/2020 |
Yes |
- Checking or savings account
- Savings account
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- Opening an account
- Unable to open an account
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Web |
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I applied for three products, at the same time. It is a requirement listed in the account agreement that an interested applicant must be a member in order to be eligible to apply for any other products or services. This fact is pretty consistent in the banking and credit union arena, but what isn't commonplace ( as far as im able to conceptualize ) is why a savings account would be declined based on credit factors, when there are no credit or even debit capabilities other than overdraft protection for a linked checking account. Further, I was interested in applying for a XXXX checking account, but since that requires an in person application process I began with a free checking account application, along with my initial reason for my visit of an auto loan, as well as the aforementioned savings account. The adverse action notice was written as though my application was for an auto loan and savings, and was declined for both products, which is fine. My concern isn't that i am being denied financial products, the financial industry is designed to make it very difficult for people with less than desirable credit profiles to secure anything worthy of being called credit, that is nothing new for me, going on 8 years of denial notices already in my attempt to climb back up. My concern lies here : What happened to my Checking account application? There is no mention of or inkling showing any sign that I even applied, but I definitely did, because ( as per the terms of the credit unions requirements for membership ), it was required in order for me to apply for an auto loan. Were the documents ignored, or misplaced? Either way I feel taken aback, confused about the adverse action notice for a savings account, and concerned that my personal information was misplaced, hacked, stolen, or deleted without my knowledge.
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| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with cash advance
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Web |
Older American |
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Re a fraudulent Personal Line Loan Account XXXX with Golden1 Credit Union : A Golden1 Loan Statement was received XX/XX/2023 for a Personal Line Loan of {$20000.00} with {$7000.00} advance against the line on XX/XX/2023. .A letter dated XX/XX/2023 was received on XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Golden1 advising I would shortly receive a Debit/ATM card for new associated account XXXX XXXX XX/XX/2023 my husband XXXX XXXX called the company and spoke to XXXX, XXXX ID XXXX to advise of this account having nothing to do with me, having never had any relationship or accounts with Golden1 Credit Union. On XX/XX/2023 I wrote to Golden1, attention XXXX XXXX advising that I had no knowledge of what this, it is a case of mistaken identity and please review documentation and correct company records. On XX/XX/2023 another statement of Loan was received from Golden1 Credit Union, showing most of the credit line being drawn, leaving a balance owing of {$19000.00} after advances. On XX/XX/2023, my husband wrote to XXXX XXXX, Chief Lending Office, copy to XXXX XXXX, XXXX & XXXX of Golden1 reiterating that Ido not now or ever have had have any account of any kind with Golden1 Credit Union, nor any need for a Debit/ATM card.
We notified the Police of this as a case of Identity Theft and, at their recommendation, also file a report with the FBI at fbi.gov. Notice was given to our Credit card company, and to the Credit Reporting Agencies. As well, XXXX was contacted and case no. XXXX established with the company, with Restoration Specialist XXXX XXXX. She and I had a joint phone conversation with a rep at Golden1 Credit Union, which was cut short after being put on hold for several minutes. A security freeze has been placed on my credit, as recommended by XXXX XXXX.
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| 01/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I bought a car in XX/XX/XXXX. I was sent payment information for my new loan through Golden 1 Credit Union. The payment was due on XX/XX/XXXX. On XX/XX/XXXX I used XXXX XXXX XXXX to pay my car payment. I provided the account number provided to me by Golden 1. On XX/XX/XXXX I received a letter saying the payment was 15 days late. I logged onto my XXXX account and saw it was paid electronically on XX/XX/XXXX. I called Golden 1 and was told they never received a payment. I said it was paid electronically through XXXX. The agent on the phone kept saying it might have been lost in the mail. I said it was not mailed, it was electronically transferred and I already verified this with XXXX. They told me it transferred on XX/XX/XXXX and the money has left my account on that date. Golden 1 has the {$510.00} payment. The agent at Golden 1 was provided a tracer number but said she could not locate my payment. I asked her to make a note of this dispute because I did not want my car to be repossessed or to be marked late for payment. She said she could not do that. I then wrote two dispute letters and provided the proof of payment from XXXX to both complaint addresses. I received two more letters on XX/XX/XXXX from Golden 1 stating the payment was late, and they have not received a response from me. Even though I have called and sent two letters, and they are going to take appropriate steps to collect. A second letter stating it was 21 days late arrived as well. I have now sent two more letters in response. Golden 1 Credit Union 's response is unacceptable. They just seem to throw up their hands and ignore the issue. XXXX transferred the loan payment of {$510.00} on XX/XX/XXXX. My loan is not late, and they have lost my funds and refuse to respond or address the issue.
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| 01/03/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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The bank let someone else 's tax refund go into my account I called the bank and told them it didn't belong in my account the bank rep said well if the IRS put it there then it belongs there. So I am thinking well maybe it was owed to me. I get SSI and I am not allowed to have over {$2000.00} in my account at any given time so I withdrew the {$XXXX} after waiting almost five days after I informed them, still they did not take it out so I did and it got stolen from me I tried to make a police report but they almost laughed at me because I told them XXXX dollars was stolen from me by a guy who gave me a ride to the bank and all i knew was his first name and what kind of vehicle he drove which had paper dealer plate on the back nothing on the front so the police said you want to file a report on money that was not yours that was stolen from you from a guy with the first name and a vague description of his vehicle,? And I said yes they looked at me like I was insane and kinda laughed under their breath. This was in XXXX of 2019 of which i had spoke to an officer who said I might be charged with fraud because I took the money out of my account I told him the IRS put it in my account and the bank did not try to return it. XX/XX/XXXX the bank put a hold on every dime I had saying the IRS put the hold on it they did not because I called them. So they took over {$300.00} of my money and told me they were closing my account on XX/XX/XXXX which means they also plan on taking my XXXX and XXXX income!!! My phone is going to be shut off my rent is due I wont be able to pay my car insurance or storage lot fee where my fifth wheel trailer is being stored and they told me to call the police officer whom I spoke with already in XXXX Who has not called yet.
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| 07/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Servicemember |
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In XX/XX/2023, I made what I thought to be a payment to my Golden 1 credit card account. There was a pop up saying system maintenance in progress but nothing to state I couldnt make the payment. I assumed the payment went through because it acted like it did. Fast forward, I find out the payment didnt work due to their constant system maintenance. When I called to not only make the payment but also take care of the late issue, I was told that I shouldve known better and had other methods to make the payment. This is not true because I did my due diligence in making the payment. Even if I had known it didnt go through, which I didnt, I am a XXXX veteran. Golden 1 does not need to know of my accessibility to other methods like phones, vehicles, internet, etc. I made the payment in the one way I was able to. I am now being punished for this.
Golden1s terrible system and constant upgrades hinders our ability to make payments.
In addition my response to them included the following : It is not acceptable to be literally the only credit card company that does not send out Payment Upcoming emails. Unlike all major companies like XXXX XXXX, Golden1 instead sends out generic emails that say Your Statement is Ready. Statement is confusing, misleading, and the emails do not give details like date due, amount due, etc. Please take a note from XXXX XXXX playbook.
Your system upgrades are confusing and misleading. They should completely shut down the site with a full page System Upgrades in Progress banner. Instead, Golden1 allows a user to log in and perform some things, as in my case, just to later find out they didnt work such as my payment made within the 30 day grace period.
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| 12/22/2021 |
Yes |
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- Trouble during payment process
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Web |
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I am writing you in order requesting assistance with my Golden One Mortgage.
On XX/XX/XXXX, I filed a complaint # XXXX. Golden One responded with a resolution that I did not agree with due to the fact they insisted that I signed a trial modification agreement that will extend my mortgage term to 40 years! The amount due each month was only a savings of {$100.00} less than what i pay as we speak.
When I spoke directly to Supervisor XXXX ( XXXX loss mitigation dept ) he promised that if I send the modification documentation back to him and cross a line across agreement and write " DECLINE '', he will accept it and the missed payments that was honored and approved through the COVID 19 Relief Program in XX/XX/XXXX will be applied behind the total loan amount.
In XXXX, XXXX ( Supervisor # XXXX ext. XXXX ) promised I will not have nothing to worry about. He told me to continue making my monthly mortgage payments and everything will be fine. I trusted in him since he was the only representative to return my calls and he was the supervisor over XXXX XXXX XXXX XXXX XXXX, the original loss mitg. rep. that continue to speak to me in a very disrespectful and racially motivated manner.
As of today, this mortgage issue is not resolve. XXXX XXXX ( XXXX ext. XXXX ) has been sending threating letters and trying to force me into signing a modification I was told to decline months ago by his supervisor. He is claiming I am in breach of contract with my lender when I have continue to make timely mortgage payments for over 18 months after my COVID 19 deferment was approved.
I need assistance with my mortgage that is not being handled appropriately by Golden OneXXXX.
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| 04/29/2021 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Applied for a XXXX loan through XXXX XXXX. Before I submitted application I checked SBA guidelines dealing with deposits into personal checking accounts. There was nothing in the Cares Act of 2021, or on the XXXX XXXX website that stated sole proprietors couldnt use their personal accounts to receive deposits. Ive been reselling shoes for years and in XXXX I grossed a substantial amount from it. My funds were deposited on XX/XX/XXXX at XXXX into my Golden 1 personal checking account and was frozen by XXXX the same day. I spoke with Golden 1 and they referred me to their XXXX department. They asked for documents to prove I am a business ; however a-lot of the documents they asked for dont apply to me. They asked for XXXX XXXX XXXX, partnership agreements, state licensing and plethora of other things. I submitted my Schedule C, my EIN number ( even though as a sole proprietor it isnt required ) and docs from XXXX XXXX showing that it is in fact me who applied for the loan. They still have stated it doesnt prove anything and that theyll send my loan back to the lender. Now i may be liable for a loan that I couldnt even use, and it may not be forgiven because I couldnt spend it on what it was authorized to do. In addition Golden 1 doesnt even offer business accounts so their clients that receive these government loans are met with yet another barrier to overcome. I believe Golden 1 collects interest on our money so not only are they refusing to release funds but they are capitalizing from it and i believe they may be creating these rules to launder money. I think somebody needs to take a deeper look into how golden 1 conducts business because it isnt right.
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| 04/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I am having a very hard time dealing with Golden1 Credit union on a car loan. I recently went bankrupt due to the pandemic, I lost my job and I decided to keep my vehicle in order to continue searching for a job and transport my family. I called the bank to let them know my situation last year, they help me reducing my payment from {$580.00} to {$440.00} for 12 months only. I told them I was going to file for bankruptcy and wanted to keep the vehicle, and they told me to call them back once I was discharged from chapter XXXX to discuss my other options. Few months after I did, with my discharge documents and they ask me to send the discharge documents, plus a hardship letter to see the other options. After receiving all that they send me a letter with my new lower payment of {$330.00} for 12 months. I was very happy until they decided not to honor it, saying they made a mistake on my loan, that they already modify my payment previously. Where I am standing today XX/XX/21 is whit another plan with payment of {$450.00} for 38 months, after being treated very disrespectful over the phone for several months now. I never been late on my payments with them, and I really want this people to do something else for me. My vehicle is worth {$13000.00} and I still owe them {$16000.00}. I ask them to give me 48 months instead to lower my payments, but don't think they want to do it, they are very arrogant when I try to continue to negotiate, after the fact that they are not honoring what they put on paper for me. They should reduce my balance to get to the lower payment they offer me, and never deliver. Please help me!!
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| 03/02/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
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On XX/XX/XXXX, I deposited XXXX checks made out to " XXXX A XXXX and XX/XX/XXXX and AS A SOLE AND SEPARATE PROPERTY '' using the ATM at my bank, the Golden 1 Credit Union. XXXX check was in the amount of {$81.00} and XXXX for {$4000.00}. These checks were for claim losses due to a flood written by my flood insurance carrier, XXXX XXXX XXXX XXXX XXXX.
When I checked my on-line balance the following morning I was appalled to discover that the $ XXXX check was credited back out of my account, and I have since learned they were mailing it back to me. Upon calling them, they stated they do not deposit 3rd party checks. This is incredulous, XXXX checks were made out to me and my mortgage company and were not 3rd party checks. They did not even bother to first call me or the insurance company to insure there was funding to pay the check. I have since been unable to deposit my claim loss check in my account. My mortgage company is lost and will not endorse an insurance check.
I have spoke with their Escalation & Support Desk, which has provided instruction so I can expedite the deposit of the $ XXXX check as soon as it is returned to me. But today I received a call from a supervisor named XXXX XXXX who informed me they would not deposit the check. I need the funds to pay the contractors I have hired to repair my home who are waiting to be paid. It 's bad enough to be flooded, and I have done everything responsible to protect my property, including buying flood insurance, but now I am being screwed over by my own bank that I have been with since 1975.
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| 07/17/2020 |
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
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Web |
Older American |
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When I presented my complaint to the card business, I was told it would take up to three months to resolve the issue. My assumption was that someone had used my credit card number.
My credit card statement dated XX/XX/2020 showed a charge in the amount of {$1500.00}, that was posted on the statement XX/XX/XXXX, made by XXXX XXXX XXXX The telephone number was XXXX CA, with a reference number following. It was a bogus number.
I disputed the charge, and the transaction post date was shown as XX/XX/2020. The terminology used is as follows : DISPUTE ADJ TO ACCOUNT {$1500.00} with reference number following, but no minus sign.
On post date XX/XX/XXXX, again : DISPUTE ADJ TO ACCOUNT {$1500.00} with the same reference number as XX/XX/2020 but this time, with minus sign. It was explained to me at the time that an error was made by listing the {$1500.00} twice, but was unable to explain why the minus did not show up for the second listing.
On XX/XX/2020, I received a letter from the resolution team for the card company that reads as follows : " The credit previously issued to you, in the amount of {$1500.00}, is now considered permanent and this notice serves as a final resolution of your claim .... '' I was not given any reason for the charge on my account, or that any investigation was done.
However, I have learned that the telephone number for XXXX XXXX XXXX is bogus, and I believe this card company I'm with do not have the tools with which to " catch a thief '' My record shows that I pay all bills that belong to me.
|
| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I was flagged as having a delinquent account with the Golden 1 Credit Union for a joint credit card under another member, XXXX XXXX XXXX XXXX. This account was under his information and we were no longer in contact for over 4 years before the account was put into collections for non-payment. I was never contacted regarding outstanding payments for this account even though I have an account with the Golden 1 Credit Union and had my email, phone, and living residences on file.
I only found out about the delinquent account when I received an official credit report which showed the damaging effects that it had on my credit score when trying to purchase a home in late XXXX. Throughout the mortgage/loan process I reached out to the Golden 1 Credit Union multiple times and they said that they would look into it and eventually someone at their call center said that the case was closed and the flag removed, that was in XXXX XXXX. I also followed up with the debt collector that the account was sent to and they also said that the issue was resolved. I checked back in XX/XX/XXXX and it still shows the delinquent account, it is still hindering my credit score from improving appropriately.
I filed a dispute request through XXXX in XX/XX/XXXX and there was no change in the issue at hand so it said to go through this site for next steps.
I'm looking to get this removed from my account, credit report, etc so that I can financially move forward without the damaging effects from another person continuing to hinder my credit.
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| 04/14/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Servicemember |
|
On XXXX XXXX I tried to purchase a companion animal for my daughter. The website has all the necessary stamps making it appear legit. I proceeded to reach out to the owner and inquire more information. Upon speaking to the opener it all seemed legit at first. I was promised a companion animal same day. With all the required akc documention. I then started to notice a change in behavior. After looking into it more with the help of a police it was a scam. I then requested a refund from the seller directly. They said they would. Once they became aggressive and didnt I went to XXXX XXXX directly and inquired on how to get a refund. The seller wanted me to close the case ( which meant to XXXX XXXX no dispute could be filed ) I refused to close the case and the seller never gave me my item or refund. XXXX XXXX wont give me my refund for item not received. I went to my bank. Filed a dispute. I called my bank as soon as I noticed it was possible scam to have the transaction stopped. They temporarily issued a refund. I received a email saying they couldnt permanently give me my refund. I called and asked for a explanation and now they are saying because it was a money transfer its not covered. However XXXX XXXX never explained it was a money transfer. And I never reached a item. The item was XXXX with a. Fee making it XXXX. I provided. Documention from the seller saying I would get a refund and still cant get help. The scammer also scammed a person I know shortly after me. We all reported this to the XXXX
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| 09/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
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Web |
Older American |
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I was contacted by a person stating he was from " XXXXXXXX XXXX '' a group I belong to and is very reputable. He said he had an opportunity to show me how to invest in XXXX and make quite a bit of money. This was in XXXX of XXXX. After learning what he was going to do I reluctantly invested {$1000.00} from my Golden1 account. I watched it grow in the trading platform called XXXX. I then deposited another {$1200.00} from my XXXX XXXX business account on XX/XX/XXXX. Then another {$1000.00} on XX/XX/XXXX for a total of {$3200.00}. I was then told I c Ould join their {$10000.00} club and make {$60000.00} in three weeks. I was excited because I saw how much my money was growing. So, I deposited another {$7000.00} on XX/XX/XXXX to join the club. I was told at this time that it had to be all in one deposit in order to join. I told them to for get it I will take my money back. He called a little while later and said he worked it out with the company and if I just deposit {$5000.00} more, they would let me in. I told him I only had {$4000.00}. A bit later he called and said that would do and he was doing me a huge favor. He said I could make {$75000.00} in three weeks. I deposited it on XXXX. I watched it grow and grow. Finally it was time to withdraw my funds and I could invest again. I was told to look for an email with instructions. The email said I had to pay their fee upfront to be able to retrieve my funds. {$24000.00}!!!!! This is why I knew I got scammed. He disappeared and so did my money.
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| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Ive paid online one time payments every month with the same XXXX billing account for over 2 years. One month I noticed the money still in my account, I call, they say it didnt go threw because account not found then I say ok I still have time to make the payment date lets pay again, then its confirmed, I contact my bank to make sure everythings clear on their end which it was and I assume the payments paid, again. Then a couple weeks later I received a letter stating its not paid and Im behind. I call them again, they say again account was not found, they see the attempted payments and tell me theres a grace period, they apologize say they dont know what happened or whats going on and continue to take my payment again yet this time I might as well add on the next months bill. Now on my credit report its stating a late payment, Ive called customer service 5 different times questioning how it was late when it was there computer system error not taking the account numbers and every time they dont see a late payment but see the multiple attempts to make my payment then advise me to write a letter which I have twice and they say its accurately reported then I call customer Service again once receiving the letters and they dont see the late payment. they wont take this off my credit report when I have over three years of on time payments while this rrrors clearly a computer error ( I am still making my payments with the same account numbers to this day with no issues ).
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| 07/28/2021 |
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
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|
Web |
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Golden one has still not addressed the issue properly as a business institution should. There have been claims that my story has changed which again is falsified information. My story never changed. It has been stated that I was given multiple reasons why my claim was denied which again is incorrect. My claim was only denied based off of speculation on where the card had been used. So I need documentation and proof of evidence stating exactly why my case was denied and the evidential factors as to why my case was denied. I have filed a police report in this matter and need sufficient reasoning as to why my case has been denied. Extensive research was supposedly conductive but during this research XXXX stated I used my credit card at an ATM which again was false information. She was adamant about this and stated I had been using my credit card at the ATM which let me state again never happened. So I have been targeted by XXXX which what seems to be a personal vendetta during this claim investigation rather than any help what so ever and shes suppose to be a manager. Very disappointed in Golden 1 and how this claim has been handled. Golden 1 even makes false claims on their website stating members have zero liability for fraud. So yes I need a letter and documentation of the evident golden 1 claims they have on this claim which should be no problem for them since they conducted extensive research. Type it in a letter in depth and with great detail. Thank you.
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| 03/17/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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My name is XXXX XXXX, and I bank at Golden One in XXXXXXXX XXXX, off XXXX. I've had problems with deposits to my accounts, being pulled out ; illegally, I spoke to XXXX different tellers, XXXX being a banking XXXX, and no assistance was given to me, my funds were taken, and never credited back to my account, this has been an ongoing issue, prior to this bank changing locations, here in XXXX XXXX, I am also displaced as a result if a specific form of harassments, from affiliates of my sons, who unfortunately, in their youth, joined a group of militia, and this has been an ongoing night, because of the harassments, along with illegally being displaced from my homes, forced into the streets, and sleeping outside. Over a decade, I have endured various forms of harassments, my banking should not be affected illegally, this is privacy issues, theft, discrimination, and embezzlement. XXXX check that I deposited back in XXXX of XXXX, was XXXX, and the bank pulled it, another occasion, where I emailed a gentleman working there, in XXXX, XXXX, someone pulled XXXX, then its various hits XXXX here, XXXX there, all of which had been appropriately reported, from an email address of XXXX, no assistance, and in fact, I have not been able to access that particular email account, for a variety of malicious reasons, and evidence. Please give me a call to further assist. I appreciate your rapid response.
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| 04/08/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX//2020 I attempted to close this Golden 1 Credit Union savings account by entering an ACH transfer from this account for the remaining balance of {$20.00} to my primary bank. The account I was attempting to close had been opened with a minimum balance as a requirement of an auto loan that I have since paid off. Since opening, I have never overdrawn this account nor have there been any transactions in it.
Although the transfer would have drawn the account down to {$0.00}, not a negative balance, the transfer was stopped for non-sufficient funds, and I was charged a {$29.00} fee for the returned ACH. On XXXX/XXXX/2020, I called Golden 1 customer service to request the erroneous fee be reversed, have my balance transferred to my primary checking account, and to have the Golden 1 account closed. I explained that the stoppage of the ACH was an error, since the ACH would not have overdrawn the account. The agent claimed that the fee was not an error on the part of Golden 1 and he was therefore unable to reverse it, although he was unable to explain how a non-negative balance constituted NSF. He also claimed there was no manager I could speak with to escalate the issue and explained that if I wanted to close the account, I would now need to deposit {$9.00} to cover the overdraft ( caused by Golden 1 unjustifiably stopping the ACH ) first, then I could request the account be closed.
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| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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On XX/XX/2023 I was alerted to a drop in my credit for a delinquent payment on an auto loan that has not had a late payment in 3 years. I had auto-pay set up on the prior payment which had processed. Upon further investigation I called the company ( Golden1 Credit Union ) and was advised that the employee could remove the late payment mark on my credit score on their end due to a failure in their system. ( done at XXXX XXXX ). It was confirmed that the automatic payment wasn't present in their system. There was also confirmed by the employee that no email would be sent to confirm said reoccurring payment.
Upon calling back at XXXX ( to Golden1 Credit Union ) and asking for a letterhead of confirmation either mailed or emailed i was advised that the previous employee was incorrect by their standards. At this point I asked about the app and security updates which has plagued the application. Unfortunately there are no branches within decent distance so all contact has been via phone and application. Employee also enquired about phone calls that were to be sent out at 14days past due which were never received and no confirmation could be given by the employee they attempted contact.
Also no statements have ever been sent to address on account NOR were they digitally sent.
There was no written notice about cancelled autopayment, no phone call, nor email.
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| 04/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I purchased property in XX/XX/2021. Escrow account was opened with my mortgage as I called them to cancel the escrow, they denied stating that my XXXX is more than 80 %, and if it become less than 80 % I can request the cancellation. I ordered the appraisal through bank Golden1 Credit union, which was completed on date XXXX XXXX. The appraised value came lot higher, thanks to recent increase in the property prices.
My PMI got removed.
Bank did not paid my supplement property tax to the county, for which there was delinquency reported on my account and I have to pay the fine. When I contacted bank that why they did not pay supplement property tax, I got response that they do not pay supplement taxes. But I was not notified of that earlier. I had to pay the fine of {$350.00} due to bank 's mistake. The original amount was due onXXXX of {$3000.00} and I paid {$3000.00} on XX/XX/XXXX, XXXX. There was another amount due {$510.00} for which I paid {$560.00} After having this frustrating experience, I requested to cancel my escrow account so that I can take of my taxes by myself, since with the recent appraisal my XXXX become less than 80 %. But now bank is denying my request for escrow cancellation saying that they will apply the original appraised value at purchase date. This was also not notified to me earlier and I did not see such term in their agreement.
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| 02/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
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Web |
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On XX/XX/2018 I received a message from my banking institutions loss prevention services regarding an attempted transaction for {$150.00}. I flagged the transaction as unauthorized and my XXXX debit card was deactivated. When I called the bank in the morning, they cleared the transaction and deducted {$150.00} from my checking account. I then contacted the company that initiated the transaction and found out that they use a service offered by XXXX called XXXX XXXX XXXX and that if your billing information is out of date, they receive your current bank account information so that they can continue to charge your account. I then called my banking institution and asked to opt out of their updating services as I am very concerned that they willfully provide my banking information to XXXX and/or merchants without my knowledge or consent. The customer service representative said there is no way to opt out of this service and nothing can be done to prevent my bank or XXXX from providing my current account information to merchants. This is very alarming that my banking institution will provide my account information to anyone other than myself but then to tell me there is nothing I can do to protect my financial information is absolutely ridiculous. Banks need to protect my information, not freely distribute it like they are doing with this so-called service.
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| 11/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I am a single mother with XXXX daughters and XXXX XXXX XXXX 30 days ago I spoke to a representative from Golden One Credit Union Bank ( XXXX ) for my car loan. I informed them of my basic need to reduce the amount of my monthly payments to something more affordable since my income had reduced dramatically. I also informed them that this loan is owned by myself and my ex-husband, whom is currently incarcerated and there is an active restraining order. There is also a no contact order which makes it impossible to receive a signature.
That being said they have decided to not allow me my price reduction on my car loan due to this signature that I simply can not obtain. They then transferred me to their collections department stating that they could find a program that could further assist me and I have since received no further assistance or information to assist me in this issue.
I also wanted to include that when they initially assisted me with the issue, I was informed that they could help me, but that I would need to submit a loss mitigation packet which would take 20 days to process for an answer to consider a decision. After I waited the 20 days and filed all the paperwork, only to have a superior tell me that they would have never assisted me with the reduced payments without my ex-husbands signature.
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| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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I received a letter dated XX/XX/2023 from Golden One Credit Union offering me a Loan Modification due to me being laid off from my job in XX/XX/2023.
I was told by their XXXX XXXX XXXX. to NOT MAKE MY XX/XX/XXXX payment and to follow the modification schedule and make my next payment on XX/XX/2023 for the amount of {$320.00}. I made that payment prior to XX/XX/XXXX and the payment was not reported to my credit report and my account did not show current. Instead XXXX XXXX decided to report my account 60 days past due. Even though I made my payments according to their modification schedule.
Golden one has ruined my credit by reporting my Auto Account 60 days past due and they refuse to fix their mistakes. Since then I have made a {$650.00} payment to bring the account current and cancel their loan modification agreement. I would never agree to a loan modification if I knew they would continue to report my account delinquent while I'm making payments.
This is violation of the Fair Credit Reporting Act and another example of banks abusing their powers with unfair and deceptive practices. My account was always current over the years until I was laid off due to a mass layoff by my employer in XXXX. That is the only reason I asked for help and they offered a modification agreement.
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| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I requested specific information from XXXX in order to resolve an issue with Golden 1 Credit Union. I reached out to Golden 1 Credit Union President/CEO XXXX XXXX in XX/XX/XXXX via certified mailed as well as XXXX XXXX and Senior VP XXXX XXXX on XX/XX/XXXX. Both requests were not responded to. I would think they would be empathetic regarding the climate of our world right now and how everyone is struggling just to survive and a consumer does not just reach out for no reason unless they really needed assistance. I then reached out to XXXX in XX/XX/XXXX. What is suspicious and odd to me is to reach out to a financial institution on two occasions and not receive a response about information reported to a reporting agency such as XXXX and then that reporting agency does not properly investigate or fulfill my request. I sent my request on XX/XX/2020, I then track the item to see that XXXX must have received my letter on XX/XX/2020, yet on XX/XX/2020. XXXX generates a response to me stating they are investigating and will respond, however I never received any of the information that I requested. That is odd that both entities are taking a hands off approach when a consumer is reaching out for assistance. I also believe that XXXX is in violation for not researching my request.
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| 05/17/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
Older American, Servicemember |
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I am the Executor of the Account in Question : originally I was told it would take 30 days to close this account. The explanation given was : " our backroom processing was behind in the closing processes ''. This was XX/XX/23, I explained to the Bank Officer/Notary that the account was only earning .10 % with an amount of {$180000.00} and the beneficiaries would like to have the money in a higher earning account. She said she would push the process along and we could expect the check in about 3 weeks. XXXX XXXX XXXX was the Officer. I called the Cust. Service number and went thru the entire process with another person for over 45 minutes. She said that the paperwork was misplaced and she would get it processed asap. ( XX/XX/23 ), our line was disconnected and I never heard back from her. XX/XX/23, still haven't rec 'd funds! Called a branch in XXXX, spoke with a wonderful banker there, XXXX, she told me that the branch dept. still hadn't processed our claim. XXXX was very helpful and assured me that she would personally finish this transaction and send the funds asap. After having spent 26 years in Banking myself, I find that the initial Banker involved should have taken the same tact and followed this request with the same attitude as XXXX. XXXX if you have questions!
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| 12/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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On or around XX/XX/2018, Golden1 Credit Union made an inquiry of my XXXX credit report without my authorization. Shortly before this inquiry was made, I authorized a car dealership to make a credit inquiry and to share my car loan application with prospective lenders. Hence, the right of accessing my credit file was never openly extended to prospective financial creditors. Furthermore, the dealership, XXXX XXXX XXXX, has made independent inquiries of my credit in the past ( i.e., " XXXX XXXX XXXX '' appears on my credit report as an inquirer ). Accordingly, at the time of submitting my application to the dealership, I reasonably understood that only the dealership was authorized to access my credit and that financial institutions ' authorization was limited to receiving a copy of my application only.
I have communicated in writing and by phone with Golden1 Credit Union, including providing documentation of the limited authorization I gave to them to receive access to my application only, and have requested that they contact the credit bureau to remove the unauthorized inquiry they made of my account. Golden1 Credit Union has refused to remove the unauthorized inquiry they made of my credit, asserting that they will only do so at the request of the dealership.
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| 09/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Called to apply for a credit card with Golden1 credit union, my main bank. Received a letter from Golden1 about a week later saying that I was denied for a {$20000.00} personal loan. I was afraid my identity had been stolen and called to shut down my debit card immediately. The next day I called Golden1 fraud services. They did an investigation and said that because credit cards and personal loans are initially processed as the same, that they had processed my credit card as a personal loan application. I was very upset and tried to explain that I did not apply for a loan and certainly was not expecting a credit card with a limit of {$20000.00}, which is one third of my gross annual income. I told them that this would negatively impact my credit score and was also inaccurately reported to the credit reporting agency as I did not apply for the loan. I asked them to contact the credit bureaus and correct the related inquiry to reflect a credit card application instead of a {$20000.00} personal line of credit. They refused and I issued a fraud alert with XXXX and XXXX. I would like to take further action to remedy my credit score and prevent this from happening to anyone else. I no longer trust credit unions and do not see them as a positive alternative to banks.
|
| 06/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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XX/XX/2021, I inquired about a deposit that was unexpected put into my savings account in the amount of XXXX $ . I asked for Golden One Credit Union to look into the issue. The credit union did there investigation and stated that there was nothing abnormal about the deposit. Golden One sent a letter stated that they did do there investigation and stated that the money came for us XXXX XXXX and that everything was ok.
XX/XX/2021, Golden One froze my account took all my money and stated that there was a mistake and that another Golden One member had deposited a check into my account back on XX/XX/2021 into my savings. I tried to inquire about the issue XX/XX/2021 was severely mistreated and was told that it wasn't my money to spend in the first place and that until the money is paid my account is frozen and they seized all my finances.
Last night around XXXX XXXX we were able to go through the automated system and speak to an individual who did a little more digging and they did locate the notice about the investigation that i did back in XXXX but nothing has came of it.
I'm a single mother of XXXX and now I have no money and I'm emotional distressed because of golden one credit union s mistake- please help ive never had anything like this happen before
|
| 01/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was told I could change the date of my loan payment after the first payment was made so I called the agent as I was directed to and I set it up with a woman sadly to say I do n't remember her name but I 'm sure they would have some kind of record of it I told them I want to move my pay date to the XXXX and unfortunately that did not happen I 've been having problems with this loan company credit union since I bought the car they do n't have my right birthdate my maiden mother 's maiden name is wrong it 's been a complete nightmare so thinking I 'm making my payments on time with the 10-day grace. Actually it looks like I was late on my payments that is ridiculous and I 've talked to several people at the Golden 1 and last time I talked to somebody they said they took care of it obviously not because my credit score drop drastically. Also I had an incident with the water company where my mail was stolen and I had no idea that the bill was due super busy and it 's the last thing I even ever expected the previous tenants went down to the post office and put some kind of vacation hold on our mail and of course being very busy it just weeks went by and sadly to say I was n't keeping track and she was collecting our mail so again another late charge
|
| 01/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
On or around XX/XX/XXXX of 2021 I bought a jeep from XXXX XXXX of XXXX CA. Within days it was brought back for repairs. It stayed at the dealer for 2 weeks. I complained and was told to come and get a different jeep. The dealer told me the paperwork would just be modified and updated to the new jeep I still currently drive. That never happened. The credit union who originally financed me is Golden One CU. My account number is my XXXX XXXX. Golden One CU has had proof the jeep was returned back to the dealer the day it happened, ( XX/XX/XXXX approx ). They since have been charging me for the jeep that was returned to the dealer and have refused to take me off the note. They told me it it was only a clerical error and should be fixed soon. After contacting them monthly 3 or 4 times a month.. they told me to continue to pay so my credit wouldn't be effected. I had to stop paying because I couldn't pay for both the returned and new jeep at the same time. This was about 4 months ago I stopped paying.. They have since ruined my credit, ( XXXX to a XXXX ). They refuse to repay me the 6 months of payments for the returned jeep and refuse to to do anything until the dealer pays them. This I a matter between the XXXX and the dealer not me.
|
| 01/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I have owned my cell phone number for over 10 years. Someone named XXXX XXXX keeps giving my number out to his debt collectors. Everytime i explain this to them and ask them to remove my number they either don't believe me and keep calling or they lie and don't fix it. It was over a year since i got any debt calls and now Golden one credit union is calling for this man again at all hours. I have saved all the messages they left. But as soon as it started happening i called them and explained that it has been a quiet year and i didn't want this starting again because he is a liar and this isn't his number. I called twice and golden one representative told me twice that my number would be removed this was over a month ago and they are still calling early in the morning and throughout the day leaving messages looking for this man. i'm so tired of this ... my parents are old and i am their caretaker so i need my phone free ... it is hard for them to remember a new number since i have had this number for so long ... my dad is XXXX and my mom is almost XXXX so to learn a new number would be very difficult for them. I would like to know if Golden One will stop calling from this complaint filed? thank you
|
| 11/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
golden one placed two negative marks on my credit due to a system issue that did not advance duplicate payments made over multiple months. Because the dealership did not put the correct number on file. They did not contact me to remediate not even by mail. I was informed of this issue after they placed the first negative mark and after i called the second mark. I havent had one late payment by any of my accounts and my credit score was XXXX now its XXXX i feel like this was done on purpose to adversely and negatively impact my score.
when i contacted golden one in early XXXX, they informed me that they would fix and it would take 10 days on a recorded call. they issue was that multiple payment in month were not advanced properly. after 10days with no call back. i contacted Golden one and they informed me that they could not correct the issue. I spoke to another rep who said they could fix it and when i called back after 7 days again they again said they would fix one mark and not the other.
incorrect information from the dealer did not allow me to remediate this issue golden ones billing system not advancing my payments properly.
golden one not using an alternate way to contact me.
|
| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
This company Golden One stole XXXX from me and had been improperly reporting my credit card pavement as late as they had when I paid to it in the wrong account now I have found out they purposely done this things. I have been with this bank for over 20 years and this company as reported me negatively to the credit agency. In fact I had a identity theft on my account and this company tried to turned it around on me. In fact this company had wrongly report myself to the adult protection agency claiming I was trying steal money from my boss who rarely even pays my work balance. In fact this company told the adult protection agency XXXX that my account was overdrawn they have been given out my bank information to anyone and for that have violated their own policies. In fact they have not resolved the problem and now the company is has the adult agency investigating me based on a lie their company told out vindication ans spite. False reports are a crime and so is giving the adult agency personal business is not something that this company should have done. This company has been racist to me since I have been with them and tent are stil racist, practicing lies and undermining me a a person.
|
| 06/27/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
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Web |
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I made a account with XXXX on XX/XX/XXXX to get into the hype of investing in crypto currency. On XX/XX/XXXX however my account was hacked into and was used to purchase crypto currency for {$1000.00}. Then the currency bought was then transferred to a Third party wallet. I only knew of the transaction because of an email that XXXX sent to me. I immediately contacted there customer support and went through a process through the next couple of days to secure my account with them only for them to tell me that they are not liable for what happen and could not help me. I then proceeded to go to my bank golden one credit union and file a fraud claim on debit card and after there investigation they failed to help me as well with this fraud. They told me that the information they received was mine but failed to understand that someone had hacked into the XXXX account which had personal information on it and had my debit card on file which they used to purchase said currency. Even after telling my bank this they failed to understand and kept giving me the same answer and it just felt like going in circle. Which lead me to here for a last effort to try and get my money back.
|
| 02/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American |
|
I have an existing mortgage with the Golden-1 CU in CA. I recently attempted to procure a rate-reduction mortgage refinance ( from 5.5 % to 3.5 % ). I saw the G-1 's published rates steady at-or-about the 3.5 % level and initiated the process only to be told those rates were for " purchases only '' and not refinancing. I was shocked by this response and began researching rates more broadly only to discover refinance rates are significantly higher and it is now the norm for lending institutions to blatantly discriminate against citizens wishing to refinance. As someone who worked in mortgage finance most of the 1980 's and has been a real estate executive in CA state civil service for 27 years, I know the majority ( if not all ) conventional fixed-rate mortgages are sold secondarily into XXXX/XXXX ( qualifying ) tranches based on " risk '' ; defined by income, debt ratio, and LTV. The market is, in effect, discriminating against the lowest-risk borrowers who, like me are higher-income/low LTV families pursuing payment, which makes the loan even less risky. This discriminatory practice is just WRONG, and it should be stopped immediately.
|
| 09/04/2019 |
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 |
Servicemember |
|
On XX/XX/2019, I made my last payment before trading my truck into XXXX XXXX on XX/XX/2019. One month later, Golden 1 Credit Union started harassing me about missing my payment. Then they reported me 30 days late on my payment then 60 days late on my payment. I gave them all of my documents and even contacted XXXX XXXX XXXX Department to have them write a letter to Golden 1 Credit Union, XXXX, and XXXX. XXXX has closed my dispute 3 times and I have had to reopen it every time. XXXX has always sided with Golden 1 Credit Union even when the information was false. I spoke with my bank XXXX XXXX XXXX XXXX and XXXX has spoke with XXXX in XX/XX/XXXX and explaining that no payment has been returned from any truck payment. Golden 1 Credit Union failed to get back in-touch with me until XX/XX/2019. I contacted my bank numerous times and the answer has remained the same. Today however, I found out that on XX/XX/2019 Golden 1 Credit Union finally cashed the EFT funds that was paid on XX/XX/2019. My online bill pay service confirmed that information.
I have been harassed, ridiculed and have had this business destroy my credit without just cause.
|
| 11/18/2023 |
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 |
|
|
On XX/XX/2023 I got a credit card charge for XXXX XXXX XXXX XXXX XXXX in XXXX Ca for {$15.00}, on this day I was not in XXXX as I live in XXXX XXXX.
On XX/XX/2023 there was another charge at a XXXX for {$130.00} On XX/XX/2023 there was a charge again at a XXXX for {$41.00} On XX/XX/2023 there was another charge at a XXXX XXXX for {$110.00} I contacted Golden One to inform them that these charges were not me and I wanted to file a credit card theft claim, they filed the claim and said they would open an investigation.
As I was recently looking at my credit card statement I see the reversed the money they put into my account and took it back.
I called and spoke to two customer service agents, the first one told me that I was basically out of luck because they claim my chip in my card was used and since the card was still in my possession that they do not believe it is fraud. This however again is impossible as I was not in XXXX on these dates I was in XXXX XXXX using my Debit card.
Golden one rep said he would request for my case to be reopened, but due to it being a weekend I could not speak to someone in their fraud department.
|
| 08/21/2023 |
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 |
|
|
XX/XX/XXXX & XXXX XXXX, my credit card with Golden 1 CU was charged for various transactions while the card was in my possession. I was receiving text messages to confirm purchases and it immediately raised red flags knowing I did not make the purchases. I called the bank and had them close the card and dispute the charges. Upon them researching they came to the conclusion that the charges are indeed mine because the chip was used however I did not make these purchases. They added the charges back to my card, charged me interest, charged me late fees, and never informed me of this decision that they made. They never communicated with me until I reached out, my account was completely blocked and I didnt know until I attempted to log in online to make my payment. I submitted a request for this to be escalated to a higher up as these charges are not mine and I am not going to pay for fraudulent charges, interest on these charges and late fees.
XX/XX/XXXX {$170.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$450.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$60.00}
|
| 06/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
You are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
I have notified XXXX, XXXX, and XXXX that the following account is reporting inaccurate.
The terms on the following account is invalid. The payment summary is incorrect and the following account is no longer reporting to all XXXX credit reporting agencies it is only now reporting to one.
|
| 12/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/XXXX Checking Deposit-XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$2600.00} {$6100.00} XXXX XXXX ACH Returns : XXXX XXXX XXXX ( XXXX ) XXXX XXXX| Balance= {$3500.00} XXXX Available Balance= {$3500.00}. Available Balance with ODP= {$3500.00}. -- - -- - XX/XX/XXXX XXXX XXXX XXXX ( PAYMENT XXXX {$240.00} {$3500.00} As you can see my balance should have been {$6100.00} and more than enough to cover the {$4300.00} that XXXX tried to EFT with an auto pay. However the credit union ( The Golden 1 ) decided to try and pay XXXX before adding the ACH from my payroll check. This has caused a chain reaction that I'm trying to undo now. As XXXX charged me interest and a late fee. I also went in and made a manual payment on the XXXX not knowing they would try again, so now XXXX has taken the XXXX from my account TWICE and this has caused my mortgage payment to bounce .... I find it abhorrent that financial institutions can structure same day transactions in a way to cause harm to me the consumer! The credit union has informed me that I have to take it up with XXXX instead of fixing their wrong. Thanks for your help.
|
| 08/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
A company by the name of XXXX XXXX XXXX located in XXXX, California charged my Golden1 Credit Union Account in the amount of {$2300.00} onXX/XX/2018. I filed an Electronic Funds Transfer Dispute with Golden1 on XX/XX/2018 and explained to them that I had not done any business with this merchant and submitted all of my supporting documents. I called back a few days later for an update and was told my claim had been denied however, a reason was not inputed by the Claims Rep. I then requested to speak with a Supervisor and was transferred to Mr. XX/XX/XXXX, he couldn't provide a reason and stated he would return my call the next day, which he did not. I began to do a little research of my own and found EFT transactions are Government Regulated by Reg E. My Financial Institution where I have been a member for over 13 years and have two bi-monthly payroll deposits should have at least took a little more time to research my claim, contacted the Merchant to ask for supporting documents and followed the Reg E proper protocol and procedure prior to denying my claim.
|
| 12/11/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/2019 I went to the Golden 1 credit union bank atm to deposit money. I am not a customer of golden 1 but I am with XXXX XXXX XXXX and frequently use that ATM for deposits. I accidently put my XXXX XXXX XXXX EDD debit card into the ATM machine and proceeded to make a deposit of $XXXX. The machine kicked out $XXXX, I assumed because it was wrinkled. It gave me a receipt, and I walked back to my truck, then realized i left my card in the machine. Upon walking back up to the atm I noticed a large amount of money going back into the machine. I grabbed my card and then noticed that I'd used the wrong card, looked at the receipt and saw that it said that my transaction had been canceled. I went into the golden 1 bank showed them the receipt and told them what happened. They told me they couldn't help me unless b of a sent them a Regulation E form. XXXX XXXX XXXX said they have no record of the transaction and therefore will not send the form. I have been on the phone with both companies back and forth for over a week and no one will help me resolve this.
|
| 01/11/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
On or around XX/XX/XXXXXXXX I applied for a credit card with GOLDEN 1 credit Union. The bank asked me to verify myself by going into the branch with proof of ID, residency and taxes.
On XX/XX/XXXXXXXX i did just that. I visited the branch and met with the personal banker ( see attached business card/docs ). The rep XXXX XXXX ( member XXXX XXXX XXXX ) assisted and verified that the " BACK OFFICE '' received all requested docs.
Since then the bank closed my acount. I have called repeatedly and I keep getting told my remaining funds will be sent within 7-10 days. This was before XXXX ( the new year ). I called recently about 2-3 days ago and I was told " XXXX XXXX XXXX DECIDED I AM NOT ENTITLED TO THE FUNDS IN MY ACCOUNT '' and told me to contact the people who wrote me the checks to file a claim with theiir bank. HOWEVER< these checks have been cleared and negotiated back in XXXX and XXXX XXXX and one check was a cashiers check which CAN NOT even be claimed once cashed.
I WANT MY REMAINING FUNDS SENT TO ME ASAP. It is illegal what this bank is doing
|
| 04/27/2023 |
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 |
Servicemember |
|
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
|
| 06/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I went on XXXX and saw a seller selling shoes. I then contacted him to make the purchase. He stated the price of {$150.00} each pair. I wanted 3 pairs which is a total is {$450.00}. I accepted the price and ask how do I pay for them. He then said XXXX XXXX or XXXX XXXX. I said I can do XXXX XXXX because I dont have an XXXX. I then sent the money on XX/XX/2019 to user $ XXXX. This was his wife account because his was not working. I then waited for a tracking number because the seller was stating he was giving me a tracking number once the order is shipped. I never recieved a tracking number nor did I recieve the item I was intended. I then contacted XXXX XXXX for assistance, they told me to contact the bank I use. I filed a dispute with Golden 1 credit union. They replied back with a letter stating they cant issue the refund due to the Visa Rules and Regulations. They told me to contact the third party I used which I did already. I dont know where to go from here if both company 's do towant to help.
|
| 11/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Older American |
|
I was the victim of a theft of checks from my home- office/bedroom. These checks were endorsed by me and deposited to my checking account using my mobile phone. I was not aware of this theft until I began receiving notices from my bank that the Federal Reserve had sent them an order to reverse the deposit of the checks and remove the funds from my account.
XX/XX/XXXX I deposited a check for {$170.00} On XX/XX/XXXX this deposit was reversed.
XX/XX/XXXX I deposited a check for {$140.00} On XX/XX/XXXX this deposit was reversed.
XX/XX/XXXX I deposited a check for {$200.00} On XX/XX/XXXX this deposit was reversed.XX/XX/XXXX I deposited a check for {$75.00} OnXX/XX/XXXX this deposit was reversed. XX/XX/XXXXXX/XX/XXXX I deposited a check for {$180.00} On XX/XX/XXXX this deposit was reversed. XX/XX/XXXX I deposited a check for {$120.00} On XX/XX/XXXX this deposit was reversed.
XX/XX/XXXXI deposited a check for {$85.00} OnXX/XX/XXXX this deposit was reversed.
{$980.00} total was taken from my account.
|
| 03/11/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On XX/XX/XXXX I obtained my monthly updated credit report from XXXX XXXX. I noticed an inquire from Golden one credit union dated XX/XX/XXXX still posted on my XXXX credit report. I had previously tirelessly repeatedly disputed this with Golden one back. Informing its agents and managers that the agent who assisted me during the date prior to inquire instructed me to complete a client form in order to assist me, otherwise they could not assist. I was also assured that it was not going to post any inquire on my credit report as I was only seeking information on home purchasing. The agent explained the form was required to show the number of customers assisted regarding the subject matter. I did not authorize this agent nor Golden 1 credit union to make such an inquire to my credit. An inquire which caused a 30 point drop of my credit score. I was lied to and mislead by the Golden one credit union employee. I only wish this inquire removed. This is financial abuse and financial harassment.
|
| 12/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Servicemember |
|
About 3 weeks ago, I found out that people have been living off our bank account for at least 2 years, maybe 3. We have been dealing with hackers and the Man in the Middle attack. They are reusing check numbers, taking money left and right using the names of places I frequent like XXXX, XXXX or XXXX. I discovered over {$3000.00} stolen in the last 60 days.
My bank is Golden1. They know about this but will do NOTHING to get to the bottom of this. We've been with them for over 20 years. I've begged for an investigation and they won't do it. I've had about 10 different credit cards given to me by them this year because they keep getting compromised. I firmly believe there are people at 2 of the banks I go to that are behind this. We even changed bank account numbers and that failed.
I've written the FBI, gone to law enforcement and nothing. Law enforcement tells me they don't do hacking or fraud.
I don't feel safe and am scared everyday. I don't know where to turn. Please help us!
|
| 12/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have been regularly making payments on my loan and receiving confirmation emails about each payment, showing they were completed. I go to buy a house and show I have a late payment on my credit and it hurt my credit for almost XXXX points ( XXXX down to XXXX XXXX XXXX ). The company tells me they have been trying to reach me and I am in collections, which is surprise to me considering I have record of every payment made.
I made sure the loan is paid in full, sent a full description of the issue to the company of the misunderstanding asking them to clear this from my credit, which they declined to do.
I then disputed with the credit bureaus, which have all ran reports saying the report is accurate. I am still paying regularly on this loan, but want to get this cleared as it shows up for every business loan, line of credit, refinance, etc. that I attempt to do.
Attached is the original dispute I sent to the company, as well as the attempt to dispute with the credit bureaus.
|
| 01/06/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied for a loan with Golden 1 Credit Union along with a checking and savings account that was denied clearly due to discrimination. I am an eligible consumer applying in good faith. Golden 1 Credit Union used my credit card ( social security card ) fraudulently because I did not receive a benefit, instead I received an adverse action letter. Golden 1 Credit Union also refused to open my checking and savings account that I requested to be opened at the same time of requesting the extension of credit. Another example of me being discriminated against. I requested these accounts on XX/XX/23. I sent a letter and the vice president responded with further explanations of her discriminating against me. I then sent her a letter stating the laws her company violated. These companies commit fraud against us consumers right and left and I am writing to the CFPB to fix this because I am being denied necessities in life and its unfair and against the law! Please handle this promptly!!!!
|
| 03/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/ I called golden 1 CU to request a stopped ach payment to XXXX due to fraudulent loan and customer service stated theyre fees which find with me as long no stopped will be in place for all future transactions and received a letter from golden1 to sign the documents to stop ach payment in which i returned in mail. But to my surprise on XX/XX/23 I received email from golden1 of my account overdrawn. I have an unauthorized ach payment of {$430.00} taken from my account so I called golden1 cu customer service and spoke to specialist stating that there was no stopped payment done and they can not accept ach stop payment and need to speak with 3rd party regarding this, told her the situation until she suggested to file dispute then called XXXX and my account was closed but I will not get my money back since I need to payback XXXX. Now my account is in negative balance because of this overdrawn. Golden1 representative stated they dont do stopped payment at all.
|
| 11/08/2023 |
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 was disputing charges with golden one that were made out of state and they never were investigated, just charged off. They continued to accuse me of the charges and never provided any proof to cleared my name of them. I asked them several times to prove that I made the charges, they refused and just continued to harass me and eventually while promising to investigate ended up charging it off.
This creditor and furnisher has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
|
| 02/02/2021 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2020 I engage with Golden 1 to refinance a loan they currently held. In XX/XX/2020 I raised my concern with the loan officer XXXX XXXX when I noticed property tax request for funds in the refinance at the same time that the original loan was set to pay property taxes. I was very clear that Golden 1 should coordinate as to which loan would pay the property taxes ( between the original mortgage and the refinance ) so as to avoid a double payment. Loan officer XXXX XXXX assured me a double payment would not be made. Golden 1, did in fact, double pay my property taxes ( approximately {$5100.00} out of the original loan, and the second approx. {$5100.00} out of the refinance loan ). Since XX/XX/2020, I have engaged in 36 telephone calls with Golden 1 in an attempt to obtain reimbursement. Golden 1 has provided a variety of responses including certain dates that I should receive reimbursement. All of the dates have passed without payment.
|
| 04/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
I have a Golden 1 Credit Union Bank I had returned a smartphone back to XXXX last year and the manger from XXXX out of a XXXX XXXX store did the return he was the manger and I was giving a recite for the phone and then I went to the bank to get the money for the phone to pay the bills and well the following week I noticed that my checking account was closed and I was not able too reopen it due to it going in to XXXX XXXX XXXX and well I get SSI and was only ever given a week at the beginning of month to deposit the money to the account and I had the paperwork saying I was only charged for one phone and paperwork for refund for one phone and for some reason they took XXXX dollars from me and I have banked with them for 6 years and I have been Paid the same for the whole time and the decided to only allow me one week so sad when I retur n one phone get recite for one phone and they charged me for three p hones.
|
| 11/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2023, I made a purchase online to website XXXX for a cellphone case. The item were sent incorrect type of case. I contacted and emailed the merchant about the wrong item, but no response. Then, I dispute with Golden 1 Credit Union to recover my money, but the bank doesn't do anything about it. The XXXX # XXXX and amount for the case {$80.00}.
Another XXXX # XXXX for the unauthorized charges from XXXX for the amount of {$6900.00}. I contacted the company and were told the case will be escalated to management. But I have not heard back. I contacted my bank Golden 1 Credit Union about the dispute and were told to call the merchant and workout something. If nothing happens, then get back to us. I have been waiting to get my money ( bank didn't give me a provisional credit ) instead I have to wait until Fed. This is unacceptable. I would like to get assistance from CFPB to help me recover my money the bank doesn't want to help.
|
| 10/20/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Confusing or missing disclosures
|
|
Web |
|
|
As a XXXX state employee had the unfortunate experience of dealing with Golden 1 Credit Union. Today I spoke to XXXX. I explained to XXXX ( and multiple other mangers in this institution ) that back in XXXX I asked them to place a stop payment on a creditor that I had hired an attorney to help me with. MULTIPLE times they said that they could place the stop payment from this creditor. After completing all of the suggestions recommended by this banking institution. NOT once did it work. Then they tell me that after they filed a claim on my behalf that I an essentially out of XXXX dollars. Also still not trying to accept responsibility for their FAILURE with the stop payments. Horrible attitude on this guy, no compassion, even tried to justify their failure. I mean cmon where is the customer service on this planet. As I have stated previous if the stop payment was effective I wouldn't need to talk to ANYONE ELSE!!! Go figure right??
|
| 09/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I opened a checking account with Golden One Credit Union on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called Golden One and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out Golden One 's fraud paperwork. Golden One gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The XXXX XXXX XXXX. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.
|
| 09/22/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
I want to know if I am eligible for the Civil Penalty Fund through the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 to provide compensation to consumers who have been harmed by violations of federal consumer financial protection law. Golden 1 Credit Union misappropriated funds from my trust account into my stepmothers without my permission. My father was on the trust account with me while the stepmother wasn't. I am the Executor and Trustee of my father 's living trust. Golden 1 Credit Union had a copy of this trust in the branch where the fraudulent transactions took place. The application for the trust account was signed and notarized at this branch as well. This is egregious that Golden 1 allowed these transactions to take place. My father died a month later after the last transaction from XXXX. So Golden 1 allowed an XXXX old man to empty out his life savings to his wife who was never on the account.
|
| 09/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
For a whole year Golden 1 has paid my mortgage on time. This is a recurring payment that I have made through this credit union.
This month - I was paid a day early XXXX XXXX. I contact customer service at Golden 1 to ensure my mortgage was paid. To my surprise I received a letter that my mortgage was NOT paid. Now XXXX not only late but I have to double my mortgage payment. I do NOT have double {$4300.00} dollars. This caused me great harm and great hardship.
Golden XXXX made sure other bills were laid but seemed to have missed the one I called to ensure it was paid. I would have had it paid that say but bill pay wouldnt only allow next day - XX/XX/XXXX. Even though funds were available XXXX XXXX XXXX. XXXX months I received an increase Golden 1 continued to show original pay.
XXXX. When I received my paycheck I never received a text stating it was deposit instead my account was block where I was unable to log in.
|
| 07/12/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Outrageous service fees for recent financial records. {$5.00} for each statement for a total of more than {$180.00}. I need financial records for my father 's rep payee account and trust account. I supervised both accounts while he had XXXX XXXX. After he died Golden 1 automatically terminated both accounts before I could download the full records. I went into the local Golden 1 office. They printed only the most very recent financial records for me. When I requested all the financial documents going back to mid 2016 they told me they will charge me {$5.00} for each and every month! It is Outrageous that they turn simple access to relatively recent financial records into a gross profit making scheme. {$5.00} for the first month is one thing, but {$5.00} for each and every month is just plain thievery. These people are crooks. A {$180.00} for me is a big deal because I am XXXX and living on a fixed income.
|
| 02/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
|
| 05/04/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
XX/XX/XXXX I received my stimulus check in the amount of {$1700.00}. Given I had a negative balance of {$250.00} in my golden 1 bank account already, I was expecting them to take out money owed when I received my stimulus check in which they did. Supposedly on XX/XX/XXXX they redeposited that {$250.00} back into my checking account because they wanted to help their customers get their full stimulus check. I never signed up for that action for them to redeposit {$250.00}. I knew I owed that, so I was expecting them to take that out. Now, I owe them {$250.00} again. I feel like that was a scam/fraud move, a potential gain for their business given this epidemic. I paid a debt already and they gave it back to me unknowingly and when I check my account I see I have a negative balance again of {$250.00} when I never opted in to receive my full stimulus check knowing I had a negative balance of {$250.00}
|
| 06/04/2020 |
No |
- Money transfer, virtual currency, or money service
- Money order
|
|
|
Web |
|
|
I was sent an email on XX/XX/XXXX, but not just an ordinary email but to my school email. The scammer basically told me that he was a professor teaching disabled students abroad, and was in need of an assistant until he got back home ( XXXX ). The pay seemed nice and so I accepted the offer. On XX/XX/XXXX he had sent me a ( fake ) check of {$1900.00} to be deposited in my bank and I was to help pay for a security deposit of {$1400.00}. On XX/XX/XXXX I deposited the check, and on XX/XX/XXXX I sent two cashapp payments of {$400.00}. On XX/XX/XXXX I sent two payments off XXXX . Everything seemed normal until today XX/XX/XXXX my bank was in the negative {$1100.00}. I called my bank today XX/XX/XXXX and they told me that since I had already deposited the check and they gave me the money there's no way I could get the money back. They told me to resort to the police.
|
| 01/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened my account XXXX XXXX. Around XXXX XXXX I was applying for an XXXX loan so I called customer service to make sure I wouldn't have an issue depositing the funds in my account. The rep on the phone said I was fine. XX/XX/XXXX I get my loan proceeds and the same day the bank puts a permanent hold on the funds demanding I send them documentation. I send out documents on XX/XX/XXXX. XX/XX/XXXX they look at my account and discover my SSN is incorrect ( the banks error ) and freeze all of my accounts. They tell me to bring SSN into bank to verify and sign new signature cards. I go into the XXXX, CA branch on XXXX to update my info and they refused to help despite my account being 100 % frozen and no access to any funds. The assistant manager spent 20 minutes arguing with me in the lobby instead of 5 minutes to update my info and have me sign a new card.
|
| 02/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
It looks like I got scammed by a website called XXXX. I placed an order ligaly for a fire arm that I never received {$460.00}. Some one contacted me the next day asking if I wanted to complete my order and I did. They said they were going to ship the order in 48 hours. I thought they were going to send me more information but nothing. I contacted XXXX to get my money back, also my back golden1. And no help from both companies. Not sure if this is going to help but it seem like no one is going to do anything and this person is going to keep scamming people. The bank did nothing. As far as I know XXXX my have blocked this person. I thought fraud was a crime so why is no one going after this person and I'm left to pay a bill that my bank transfered to this person. Not fair at all. I have all the information about this person if you need more info. Thanks
|
| 09/18/2018 |
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 |
Servicemember |
|
Unbeknownst to me, while on vacation in XXXX, for 4 weeks, an automatic payment to XXXX XXXX XXXX XXXX XXXX scheduled on the XX/XX/XXXX was returned due to insufficient funds on my account.
Upon returning from vacation, my investigation on my account led me to the conclusion that because of the bank imposing a hold on a check I deposited resulted in this event.
In this age of technology commerce, banks should not be allowed to hold funds longer than a day. The funds can be easily verified by making a call to the institution. My bank is local, therefore, it makes no sense on holding it for that long.
Another note for Golden 1 to consider is that I have been a long time member and I have my pay check direct deposited to my account.
I'm asking Golden 1, as an act of good faith, to indicate a technical errors caused the funds to be unavailable
|
| 03/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XX/XX/2022, I made a payment to XXXX XXXX Tax, and the payment was rejected by Golden 1 credit union I had over {$4300.00}, in the bank which is why I was making the payment. Well, the bank rejected the payment and I received a notice days later from XXXX XXXX XXXX Collector. I contacted Golden 1 credit union and they told me that it should have cleared but don't worry the Tax Collector will put the payment through again. A got a letter in the mail that said I now owe an additional {$53.00} for the return payment. So I call Golden 1 and did as instructed and I am still frightening them today. I am out of my {$2100.00} and {$53.00} fee due to XXXX XXXX XXXX Collector.
What I want : The Golden 1 currently owe me a {$53.00} fee for the return payment and {$2100.00} for the tax payment sent to XXXX XXXX XXXX. Golden 1 currently has my {$2100.00}.
|
| 08/30/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
XXXX XXXX XXXX, the decedent, has a mortgage loan with XXXX XXXX XXXX XXXX. The house is titled in the name of her trust. I am the acting trustee and also the person named on the will as the executor. I have been paying the monthly mortgage out of my business account and billing the client trust account for repayment. Meanwhile, the checks are being cashed, but not being applied to the loan. The bank is continuing to send delinquent notices and refuses to tell me what they are doing with the checks that are being cashed.
They are refusing to give me any answers until they have all of the IDs of the successors in interest of the property, ie the beneficiaries. I am the representative of those successors in interest as the trustee of the trust. The credit union is refusing to work with me and provide me with information on the loan.
|
| 12/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I recently took out a XXXX auto loan ( {$33000.00} ) with Golden1 credit Union on or around XX/XX/2022. Golden1 Credit Union sent that amount to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. I was informed by the XXXX XXXX that they can not find the vehicle, therefore I can not register the vehicle in XXXX. As a result, my insurance company informed me that they can not insure the vehicle. I have followed up with Golden1 Credit Union and they can not give me any answers about what is going on. I have reached out to XXXX XXXX multiple times, and they are not returning my phone calls or email messages. I want Golden1 Credit Union to cancel my loan and force XXXX XXXX to take their vehicle back, because I can not keep a vehicle that I can not get registered or insured in the state that I purchased in and live in, XXXX.
|
| 04/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
During the months of XXXX XXXX and XXXX there were inaccurate billing issues. XXXX of 2020 the company reported to the credit companies that I had made a late payment. I have two bank accounts, one ending in XXXX and the other one ending in XXXX. I had made my payments accordingly, then kept getting notified that the account was not found. XX/XX/XXXX my payment was returned, XX/XX/XXXX was attempted to pay again, returned, XX/XX/XXXX was attempted, returned, then XXXX was processed. They can not explain what happened, my bank had no issues ( who I contacted ) and Ive used the same accounts and the same processing for my payment every month for the 3 years Ive had the account. They made me pay multiple fees and it clearly states I was properly making the payments and now it affects my credit score dramatically.
|
| 08/11/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Recently I applied for Economic Injury Disaster Loans and I was approved with the documentation that as requested from the XXXX XXXX XXXX. The loan amount that I signed for and agreed to pay for was {$89000.00}. The ACH deposit inside my account XX/XX/2020. Golden Credit Union placed a Permanent hold on my funds from the XXXX Loan deposit. I spoke with a representative regarding the hold and was advised I need to show them documents before or if they decide to release the hold from my loan. I told the Rep my business is a DBA/ Fictitious business name filed with XXXX XXXX XXXX XXXX XXXX California XXXX They currently have my loan frozen inside my own account. its unfair practices. I was approved for a loan and the bank blocking ACH Deposits for my busines which I have to pay for monthly.
|
| 07/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited XXXX XXXX at the Golden ATM it the XXXXXXXX XXXX XXXXXXXX totaling {$410.00} on XX/XX/2023. The checks were as follow.
{$400.00} {$0.00} {$1.00} {$12.00} When I checked my account a XXXX later it showed that each check was individually withdrawn due to poor image quality. I have contacted the bank via phone and was told it could take up to XXXX days to resolve. I later received a letter telling me there was an issue with my deposit but required no action. I made an inquiry at the bank and was told it could take XXXX days. I informed them that it had already been XXXX days. The teller said that they should have returned the checks to me. it has currently been XXXX days with no resolve or access to my funds and they still have not returned the checks to me as I was told.
|
| 02/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
On XX/XX/XXXX I went to refinance my car in Golden 1 credit union. They run my credit and they approved my loan. They ask to send all the paper work so I did but in couple days I received a call saying that they change their mind because my social was a work social not permanent. I told them I felt discriminated for their actions because first they saw my credit that didnt start with the number XXXX like everyones but yet they run my credit told me I was approved and then they change their mind. Second I felt like they assumed that probably I would get deported some point on the process of the Loan. I never felt so low and unequal like this before. I understand they protecting their money but I know for a fact they wouldnt treat permanent citizens like this.
|
| 01/26/2024 |
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 |
|
|
I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : THE GOLDEN ONE CREDIT UNION Inquiry Date : XX/XX/year> I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report.
I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
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| 12/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Golden One Credit Union is illegally reporting information on my credit report and is not in compliance with the Fair Credit Reporting Act. They are reporting 3 different accounts of my credit on 3 different credit reporting agencies which is illegal under the fore-mentioned Act. In light of this I request that the account be removed from my credit report immediately. Also I have also made numerous attempts to have this debt validated from them and their collection agency The XXXX XXXX XXXX XXXX, to no avail. This also is clearly not in accordance with the Fair Credit Reporting Act, and grounds for this account to be removed from my credit reports. I would like all collections efforts ceased and this removed from all credit reports immediately!
|
| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 10/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Auto dealership forge my signature with Golden one bank. I tried to dispute the charge off against my name for {$25000.00} but I was denied by the bank, even when supporting documents from the court stating that I was awarded an abstract of judgement for {$43000.00} XXXX XXXX superior court of XXXX XXXX XXXX XXXX which was never satisfied and it is now a tort or dormant judgement. All necessary documents was provided to them and they still denied it. My case still open since 2010 with no movement becaused I can not afford a lawyer and could not get a loan due to credit issues. I tried getting help from FBI and Secretary of State but no help at all. Please let me know if you could help me out.
Thank you XXXX XXXX XXXX
|
| 03/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XXXX XXXX XXXX I was made aware that my account was put under review due to fraudulent activity. The fraudulent activity was three mobile deposits and the next day i pulled out the money in cash. I brought the physical checks to my local Golden1 and they told me to call the Golden1 customer service number again to request the review to be cancelled, when I called the person on the phone told me it was another company that deals with the review, but they have never told me the name of said company and the one time they sent me to them I was left on voicemail and Im constantly told that I to wait for them to contact me. I need access to my account to pay bills and this has been far more than a nuisance.
|
| 10/26/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Golden1 had a planned outage, Friday XXXX to Sunday. On Monday, XXXX I was still unable to access my account. Bills are due. I called from work at XXXX, and requested a call back and held my place in the queue. I never received a call back. When i tried to reset my password, a telephone number not mine was linked to my account. Golden1 XXXX XXXX page shows a number of people with the exact same issues. I dont know if my bills have gotten paid and I dont know whether my funds in my checking are adequate to cover everything. The bank will not call me back and the branch is open minimal hours. My bank has locked me out of my account and will not respond.
Tuesday XXXX at XXXX all issues persist.
|
| 01/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I submitted a complaint about Golden one credit union, report # XXXX open case, I tried to remember all the unfairness I want to also mention the excessive fees that went along with all the charges from the Landlord unauthorized amounts the bank gavith then took it back all the over fees of {$30.00} each over the limit because of no fault of my own. I sent you the proof through mail the complaint was online the bank transactions statements shows all excessive fees that really killed me. please add to the complaint Thank you again for helping me. I am disabled and on a fixed income the unauthorized transactions all the fees left me in RED litterally. im so stressed out upset worried.
|
| 05/29/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I have a Golden 1 Credit Union checking and credit card accounts. I used their mobile app to transfer {$500.00} at about XXXX on XX/XX/2021 from my Golden 1 checking account to my Golden 1 credit card. Immediately the money was deducted from my Golden 1 Checking account, but it has been 32 hours and it has not shown up on my credit card account. Their customer service tells me that it can take up to 3 business days for the funds to be available in my credit card account. This is ridiculous. I could understand maybe 24 hours, but a bank should not be able to leave funds in limbo for 3 business days. This was an internal transfer, and it should be against the law for them to do this.
|
| 07/31/2019 |
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 |
Servicemember |
|
They did not clearly specify that they needed Tax Returns they asked me to state my income then ran my credit I never wouldve consented to running my credit if they disclosed of the fact that they would determine my eligibility exclusively base on my Tax Returns I felt like they should disclose this information before running my report I did not clearly understand that they may have requested Tax Returns specifically. They should have clearly stated that I needed Tax Returns before running my credit this has effected my credit adversely and would have clearly been prevented if they did.
Please remove this hard inquiry please remove based on the confusion and lack of clarity.
|
| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my golden one credit card account. To this day the company continues to report to XXXX and XXXX each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to Golden one who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.
|
| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Having a car loan with Golden1 Credit Union continues to be a bad experience. Because the experience was so bad, I paid off the loan on XX/XX/2021 after five or six payments. Terrible website you can't log into, not sending me statements, and customer service that didn't answer the phone was enough.
Today is XX/XX/2021, and I paid off the loan on XXXX XXXX, yet they are still reporting to XXXX and XXXX that I have a loan. This is negatively affecting my credit score which is a problem as I am mortgage shopping and my FICO dropped below 800 for the first time in many years, and it is because of Golden1.
Why can they not simply report the loan as paid off?
|
| 04/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have recently checked my credit report and the following account The Golden 1 Credit Union ( Account Number : XXXX ) ( Account Type : XXXX XXXX XXXX ) is reporting late for XX/XX/XXXX. Also this account has stopped reporting to XXXX. Please report to all XXXX Credit bureaus and report to XXXX all payments made on time including all dates from starting date of this account opening from XX/XX/XXXX- XX/XX/XXXX as current. I have never been late for this account. This is a violation pursuant to 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 03/10/2023 |
No |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
The problem i am having with golden 1 is that they just randomly closed my account set for XX/XX/23, they never called or emailed me i went to the store and my card declined. When i called them and asked why they said they are closing my account simply because my transactions dont line up with there bank. I never did anything fraudulent with my account my direct deposit and autopays where set to this account. They simply told me to go to the bank and get my cash and keep saying they have no other reasons why. Even speaking with reps they even told me they see no strange activity or reason for the department to close my account.
|
| 03/29/2023 |
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 |
|
|
In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
These are the creditors as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
{$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name GOLDEN 1 CU Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$690.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times XX/XX/XXXX Days Late XXXX Remarks Canceled by credit grantor ] ] ] I would love to resolve this and remove from from credit. As I am new to credit and would greatly help you benefit in the future.
|
| 12/10/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I have called before about someone trying to scam me be sending me money to my bank account. The amount was {$2400.00}, I didnt know they were scamming me they claimed to be a sugar dad I knew of the scam after I put the check in my account. Called the FTC, the person I talked to stated the money that went into my account would be mine. They opened a report to find out what happened, but later today I get a charge for my bank saying they took the money back out so now I have - {$2400.00} in my savings. I was just confused because I was told by the ftc and my bank that the money would be mine.
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXXXXXXXXXX Balance {$0.00} GOLDEN 1 CU XXXX Balance {$2300.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
|
| 02/07/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
XX/XX/17, Golden One Credit Union notified me via an email Alert ( below ). I said the charge wasn't mine, but was told charge went thru a 2nd time and had been approved by XXXX for {$360.00} : ALERT FOR CARD ENDING IN XXXX XXXX Transaction details Your Golden 1 Credit Union VISA card was recently declined for a transaction. If you did not make this transaction or have questions, please contact us at XXXX.
Transaction Details : Transaction Amount/Currency : XXXX USD Merchant Name : XXXX Merchant Location : XXXX, US Merchant Category : Discount Stores
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
in accordance with the Fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) Is also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as a late payment.
I have dispute this inaccuracy since XXXX. Please remove negative remarks from all credit bureaus.
|
| 09/29/2018 |
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 |
|
|
My card is disabled and blocked. When I tried to inquire on the reason : 1. I was given the answer that my card was fine - its just a glitch. A " glitch '' that is now lasting for more than a month 2. I called again, was told that it was " fraud '' and I should get a letter at anytime - which I never received.
3. I was told I am not " qualified '' to get information on why my account is blocked.
My account is always paid on time - I am a big spender. I spend a lot, and I pay it off. Somehow this bank does not like that.
|
| 05/04/2023 |
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 |
|
|
On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from XXXX XXXX and XXXX XXXX XXXX XXXX in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.
|
| 04/23/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
I applied for a HELOC loan through Golden 1 in late XXXX. I was conditionally approved, and then was told that they were using 1 % of my XXXX loan debt to calculate my income to debt ratio. They indicated that I needed to obtain a letter from my student loan company which explicitly states that I am on an income based repayment plan, and what my payment would be once the federal pause is over. I obtained this letter and they again denied the loan, stating that they do not accept income based repayments.
|
| 06/06/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
I did my tax returns on XX/XX/XXXX and accidentally typed one digit wrong for my account number since I chose direct deposit. Golden One Credit Union refuses to be of any assistance and did not check the social or other info to verify it was the correct account. I already contacted them and the irs to no avail. A letter of indemnity was sent 90 days ago. It was {$570.00}. The other account withdrew the money immediately and supposedly spent it. The money was deposited into the other account XX/XX/XXXX.
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 06/13/2021 |
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 |
|
|
XX/XX/2021 through XX/XX/2021 there were fraudulent unauthorized charges on my Golden 1 credit card. I took action by disputing the charges and filing a police report. The companies fraud department changed their story multiple times and unfairly denied my claims taking zero action. Although the Golden 1 website states members have zero liability with unauthorized fraudulent charges. They have now canceled my account due to my multiple attempts to dispute these unfair and unjust denials.
|
| 08/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Golden 1 credit union told me to go to the bank with the person name on the check to release funds I went there handed them the letter over yall send me and they said they could not find the account I will like them to disburse my funds or I would have to take legal actions Attached is the letter they send to me which was a lie they need to stop telling fabricated stores and refund my funds thats left in my bank account that is clearly not theres I can be reached at XXXX
|
| 03/27/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been adding principal payments to my mortgage loan which was due XXXX 2025. I assumed that was an agreement between the lender and me that, as long as I paid the full amount by 2025, there would be no penalties. Now the loan is within one payment of me paying it off, but the lender says if I do n't make a monthly payment, I will be assessed a late fee, plus extra interest, even if, by terms of the loan that last payment is n't due for another 8 years.
|
| 03/26/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
Older American, Servicemember |
|
I have been a member of Golden One Credit Union, I was looking for a good credit card so I talked to a local representative about their XXXX card. I was told that it was a fixed APR at 10 % as long as I am a member. I recently received a letter telling me that they were changing to a flexible rate ... I did not want that new I want what was promised me when I applied for. The closed out my card ... I want my card at the rate promised when I applied ...
|
| 12/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We closed our purchase with this company in XXXX, and since then, we have received a myriad of spam/nuisance emails from this company. I have used the 'unsubscribe ' feature 5 or more times, and each time the system says that I've been removed from their marketing database. However I continue to receive nuisance emails. I also opted out of marketing emails during my loan signing, however this company persists in sending their marketing messages.
|
| 06/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Opened a Golden One Checking Savings Account received confirmation and went to fund account and showed repeated technical errors which didn't allow account to be funded, or edited to my, the customers, and members, needs. Reached out repeatedly and the Bank itself seems confused as to the issue have already email, gone in person, and spoke on the phone multiple times and each department re-directs the issue to another. What's the problem?
|
| 09/29/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Older American, Servicemember |
|
Not a good area to discuss this on your site ... ..XXXX ... ... XXXX and XXXX are XXXX websites that are all crooked scams ... ibought a small freezer from XXXX and then discovered that it is a fake scam site ... then idiscovered that all three sites are the same thing ... XXXX knows they are scam sites and allows them tocontinue ... ..they should have already shut them down ... ..XXXX and XXXX need to be regulated by the gov ...
|
| 08/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account GOLDEN 1 CREDIT UNIO which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GOLDEN 1 CREDIT UNIO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 06/12/2022 |
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 XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 staes I have the right to privacy.
15 USC 1681 Section 604 a section also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 166b : a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
|
| 07/06/2023 |
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 |
|
|
In accordance with the Fair Credit Reporting Act this creditor 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 instructions.
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
18 months and problem is still not fixed. I have made several in branch visits and phone calls. On XX/XX/21, I was instructed to mail a letter and was promised a response in 30 days. I have not received anything and the information is still missing. They refuse to speak with me directly, they only accept letters. I have tried repeatedly for over 18 months to resolve this. I have included two letters I was asked to sent.
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My account at Golden One credit union was overdrawn by about XXXX dollars including their fees. It took me time to pay it off but they promised to remove my delinquency from XXXX XXXX 30 days after the payment. They still have yet to remove my account from XXXX XXXX after payment and Ive been denied opening up a new bank account with XXXX XXXX XXXX because of their negligence in removing my account as promised.
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureaus are reporting inaccurate information on GOLDEN 1 CREDIT UN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.
|
| 11/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below THE GOLDEN 1 CREDIT UN XXXXXXXX
|
| 12/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
|
|
Web |
|
|
I got involve to a romance scammers.
I sent a lot of cashier checks and when I finally realized I was scammed, I went to my bank Golden1 credit union to see if they can get back my money or help me out in anyway to get them back.
My bank said they could not and did not give me more information what I can do to help me or where to go.
When i was still manipulated and into the romance scam, i was XXXX.
|
| 10/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2021 I was scammed by someone I meet on snap chat .She told me she was going to give me XXXX just to have my attention. After the funds were available she started being very wired and didnt wan na give me proof that the check was real and really her and wanted me to send her money. So I quickly went to my bank and told them it was a scam. The bank closed my account and been under investigation.
|
| 12/07/2022 |
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 XXXX XXXX XXXXXXXX, had 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 instruction.
15 USC 1666B : A creditor may not treat a vehicle loan consumer credit plan as late for purpose or credit cards
|
| 02/19/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Golden 1 credit union I was trying to get a loan from online got a letter saying i was approved so went through the steps to get the loan an hour later golden 1 called me saying there was something deposited into my account that was fraud and they are shutting my account down and i beed to pay back what is owed to golden 1 wich is XXXX $ cause i am responsible. Nothing they can do.
|
| 07/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Per court order my ex husband is sole owner of account and I was to be removed. I went to golden one and they could not help me or get into the credit account file to make the change. I reported on all three credit bureaus discover credit cart is reporting in my credit file as well and it is the same issue it in not a joint account I do not have access or own these credit cards
|
| 12/06/2017 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
On XX/XX/2017, my credit card was auto-drafted without my awareness. I did not receive a bill or notification from Golden One Credit Union for the amount due until after it was reported 30 days late. The debit was paid in full upon receiving notification of the amount due.Furthermore, I have never been late in the past, nor have I ever carried a balance on the account.
|
| 11/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Servicemember |
|
I was approved for the credit card on XX/XX/XXXX for {$2000.00}. To day is XX/XX/XXXX. I went in to the bank to see what was taking so long to get my card. I was told it 's because of my credit score. my credit score is at XXXX. To qualify for a bank credit card your credit must be at XXXX. I FEEL LIKE I BEEN LIED TO '' AND DISCRIMINATED AGAINST AS A XXXX MAN ...
|
| 04/19/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
On XX/XX/XXXX to XX/XX/, I started buying XXXX through trader name XXXX who works at XXXX XXXX XXXX ( the company ) and I invested out of my pocket a total amount of {$50000.00} XXXX not knowing that it was a scam. The bank never told me that it was fraudulent activity that they just closed my account due to unusual activity on XX/XX/ XXXX XXXX
|
| 02/14/2019 |
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 |
|
|
Bank : Golden 1 credit union Card : Visa I was double charged {$150.00} twice by XXXX XXXX on XX/XX/19. I contacted the merchant XXXX XXXX in XXXX, ca and they said they only charged once when my statement shows {$150.00} twice. I contacted golden 1 to dispute the charges and they are refusing to return my {$150.00} back to my account.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( Golden 1 Account Number XXXX )
|
| 03/26/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Hello, I am a XXXX year old male who is having issues with XXXX account from golden one. I am of age to possess this account. Golden one will not allow me to transfer fund out of account. Golden one is illegally holding fund that I can not access. I pay the taxes every year on this account and can not access any of the money?
|
| 08/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XX/XX/21 my son & I went to a dealership to purchase a new car. We were told I would need to co-sign on the car. Later when loan documents began to be mailed to us we discovered that the loan was actually written with me as the primary buyer and my son as the secondary buyer. Very dishonest and disheartening sales practice
|
| 06/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The Golden 1 Credit Union Acct # XXXX account was settled in full on XX/XX/2020. They have yet to update my credit file and are in VIOLATION. This is impacting me from getting the credit I deserve and I demand that the account now be removed from my credit file. They have failed to communicate with me in a timely manner!
|
| 09/11/2019 |
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 did not authorize or give consent to this company nor did I try to purchase or consent to running credit report I have no knowledge of this company or inquired any purchase with this company I have no accounts with this company nor did I authorize them to run any credit report for any business or purchase
|
| 10/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XXXX XXXX I made consumer transaction to purchase a new car and was required to put a cash down payment which my consumer rights were violated. The contract did not disclose clear and conspicuously my rights as a consumer when entering the contract. Due to these violations I demand to rescind my rights.
|
| 10/30/2018 |
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 |
|
|
Golden 1 Credit Union has ran my credit without my permission and I am requesting the removal of the hard credit inquiry from my XXXX credit report.
I have attached a copy of my pre-approval letter from my credit union, XXXX XXXX XXXX, which shows that there was no reason for my credit to be ran.
|
| 12/28/2022 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I'M SUBMITTING A COMPLIANT REGARDING MY GOLDEN 1 CREDIT UNION CREDIT CARD ACCOUNT WITH A RECENT XXXX DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF XXXX XXXX AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.
|
| 01/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
on XXXX19 amount of {$11.00} was taken out of my golden 1 checking account thru XXXX from XXXX. I did make a purchase but seller never sent me the item. I have tried disputing with XXXX and XXXX and now with golden 1 and no refund has been sent to me. i need help getting my refund
|
| 03/20/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Closed Savings account with Golden1 Credit Union on approximately XX/XX/19 in the amount of {$480.00} .Customer service number XXXX. As of today, XX/XX/19 no cashiers check in the mail. Contacted Golden1 and was advised that I have to wait 90 days before new check could be issued.
|
| 11/16/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
This Car had too many problems the 2nd day I had it.
It also had 3 cracked rims someone tried to fix it .and problems with alignment.
The warranty was not honored which is a breach of contract.
Also, They never disclosed to me that they were gon na take my financial assets.
|
| 10/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
THE GOLDEN 1 CREDIT UNION XXXX and XXXX accounts have been settled in full since 2019. My recent credit reports are still showing balances that are highly impacting my credit scores and preventing me from getting the credit I deserve. Correct or delete the accounts right away!
|
| 10/10/2023 |
No |
- 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 |
|
|
I was checking my credit report and noticed unauthorized hard inquiries on my credit report. I have no knowledge nor did I request any new credit. I believe these inquiries are identity theft and would like this removed as soon as possible I also reported this to the FTC
|
| 06/12/2023 |
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 am getting multiple HARD INQUIRIES on my XXXX app.
1. Golden 1 Credit Union XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
|
| 11/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX XXXXXXXX involved me making deposits for a total amount of XXXXXXXX USD from my Golden 1 Credit Union account to fraudulent investment firm ( s ).
|
| 09/18/2018 |
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 |
|
|
This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! Thus this should NOT show up on my credit report and must be deleted with all three credit agencies.
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Creditor sent letter stating that I have to contact each CRA to lift block, however each CRA informed me that they need a Credit Reinsertion Letter from Golden 1 to ensure that all 3 accounts are reported accurately.
|
| 06/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
Company reached out to claim that I have been offered a job and emailed me a check to deposit and then asked me to put it into a gift card. {$1000.00}. Impersonated company named XXXX XXXX using email XXXX XXXX
|
| 11/19/2022 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
XXXX of XXXX I got a starter loan from golden 1 credit union all payments were made on time they are currently inaccurately reporting lay payments to my credit report I need these to be disputed immediately
|
| 01/02/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
GOLDEN 1 CREDIT UNION ; in the XXXX system Date of Closure : XX/XX/XXXX XXXXACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/XXXX this is not right and need to be removed
|
| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Golden 1 Credit union performed an unauthorized Hard inquiry on my credit report on XX/XX/2019. I did not approve this inquiry, as such I would like it to be removed from all credit reporting bureaus.
|
| 06/19/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
account balance have to be XXXX balance somebody used my card without my permission, card stolen bank ignoring my dispute never fix it, I'm not responsible for all charges on this credit card
|
| 10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
|
| 09/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My checking account was defrauded out of $ {$950.00} out of a fraudulent company .Golden 1 told me They are. It responsible for the loss since I invertly gave them my account number.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I tried to inform them of the police report going on about the testing and I sent them copies of the police report. They still went ahead and charged me.
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 01/30/2021 |
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 |
|
|
On XX/XX/20 I was notified that someone applied for a credit card in my name at Golden 1 Credit Union in XXXX. I did not apply for this credit card.
|
| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX Golden 1 credit union I was never later with my payment XXXX XXXX this is not my account XXXXXXXX XXXX account
|
| 05/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
My car was broken into and all my information was stole causing my bank accounts to get shut down due to fraud activities.
|
| 01/06/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
golden one bank has fraud accounts under my name they need to be investigated and whipe and clear out the system
|
| 07/11/2023 |
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 |
|
|
The car was paid in full even it was Indiety theft by someone. I paid vehicle in full still reporting chage off.
|
| 07/11/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
Trying to link my account up with XXXX XXXX and Golden1 credit union is not partnered and can not be verified.
|
| 12/08/2018 |
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 had my identity stolen by someone and had made several hard inquiries which I had never authorized.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
THIS ACCOUNT IS NOT RELATED TO ME THE GOLDEN 1 CREDIT UNION
|
| 03/30/2020 |
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 |
|
|
I have no legal binding accounts or loans with this company
|
| 04/27/2022 |
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 have inquiries that I did not authorize or approve of.
|
| 05/26/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
My dispute against XXXX XXXX was not taken seriously.
|
| 06/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I think I'm getting identity theft
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Miss use of personal information.
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 12/20/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
|
|
|
| 11/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/19/2023 |
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 |
Servicemember |
|
|
| 11/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 11/15/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 10/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 10/13/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Foreclosure
|
|
Referral |
|
|
|
| 10/05/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Servicemember |
|
|
| 09/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American |
|
|
| 09/28/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/16/2023 |
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 |
|
|
|
| 09/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 09/09/2023 |
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 |
|
|
|
| 09/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 09/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/11/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Phone |
Older American, Servicemember |
|
|
| 06/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 06/19/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 05/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Phone |
|
|
|
| 05/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 05/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 05/04/2023 |
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 |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/14/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/17/2023 |
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 |
|
|
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/31/2023 |
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 |
|
|
|
| 01/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 01/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 01/25/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/24/2023 |
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 |
|
|
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 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 |
|
|
|
| 11/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/02/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem with fees or penalties
|
|
Referral |
|
|
|
| 11/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Opening an account
- Unable to open an account
|
|
Phone |
Older American |
|
|
| 10/11/2022 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Postal mail |
|
|
|
| 09/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/08/2022 |
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 |
|
|
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 09/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
Older American, Servicemember |
|
|
| 08/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
Older American, Servicemember |
|
|
| 08/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/04/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
|
| 07/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/03/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
|
| 06/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
Older American |
|
|
| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 06/23/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 06/16/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 06/14/2022 |
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 |
|
|
|
| 05/31/2022 |
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 |
|
|
|
| 05/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
Older American |
|
|
| 05/22/2022 |
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 |
|
|
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/15/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 05/06/2022 |
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 |
|
|
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 04/26/2022 |
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 |
|
|
|
| 04/24/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/20/2022 |
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 |
|
|
| 04/05/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 03/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/25/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/09/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
|
| 02/09/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 02/08/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Phone |
Older American |
|
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 01/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/14/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 01/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Postal mail |
|
|
|
| 01/06/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Referral |
|
|
|
| 01/04/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Referral |
|
|
|
| 01/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 12/28/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 11/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 11/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/18/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Referral |
|
|
|
| 11/15/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Referral |
|
|
|
| 11/09/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 10/08/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 10/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 10/02/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
|
| 09/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/13/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 08/24/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Referral |
|
|
|
| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 08/16/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 08/09/2021 |
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 |
|
|
|
| 08/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 08/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
Servicemember |
|
|
| 07/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 07/08/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
Servicemember |
|
|
| 06/25/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/21/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/17/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 06/16/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 06/14/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American, Servicemember |
|
|
| 06/10/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 06/07/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/05/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 06/02/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 06/01/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 05/30/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
Older American |
|
|
| 05/27/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 05/17/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 05/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 05/12/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 05/06/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 04/30/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 04/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/20/2021 |
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 |
Older American |
|
|
| 04/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Referral |
|
|
|
| 04/12/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 04/08/2021 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/29/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 03/17/2021 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 03/08/2021 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
|
| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 02/22/2021 |
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
|
|
Phone |
Servicemember |
|
|
| 02/02/2021 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
|
| 01/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/07/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 12/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Referral |
|
|
|
| 12/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/18/2020 |
No |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 12/16/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 12/14/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 12/09/2020 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Referral |
|
|
|
| 12/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 12/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 11/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Phone |
|
|
|
| 10/30/2020 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Phone |
|
|
|
| 10/26/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
|
| 10/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 09/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 09/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 09/21/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 09/15/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 09/12/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
|
| 09/07/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Referral |
|
|
|
| 08/24/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Wrong amount charged or received
|
|
Web |
|
|
|
| 08/17/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/14/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Referral |
|
|
|
| 07/29/2020 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Postal mail |
|
|
|
| 07/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 07/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Phone |
Older American, Servicemember |
|
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 07/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
Servicemember |
|
|
| 07/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Referral |
|
|
|
| 06/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 06/02/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 05/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Postal mail |
|
|
|
| 04/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 04/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Referral |
|
|
|
| 04/01/2020 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 03/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Postal mail |
|
|
|
| 03/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 02/04/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Older American |
|
|
| 01/28/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 01/18/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 01/16/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
Older American |
|
|
| 12/20/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Web |
Servicemember |
|
|
| 11/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 11/13/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 11/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Referral |
|
|
|
| 10/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 10/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 09/24/2019 |
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
|
|
Postal mail |
|
|
|
| 08/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
|
| 08/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 08/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 07/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Phone |
|
|
|
| 07/09/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
|
| 06/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Phone |
|
|
|
| 06/21/2019 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Referral |
|
|
|
| 05/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 04/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 04/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Referral |
|
|
|
| 04/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/01/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Phone |
Older American, Servicemember |
|
|
| 03/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Referral |
|
|
|
| 02/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 02/20/2019 |
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 |
|
|
|
| 02/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 02/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 02/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 01/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 12/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 11/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Referral |
|
|
|
| 10/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
|
| 10/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 08/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 08/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Referral |
|
|
|
| 07/23/2018 |
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
|
|
Phone |
|
|
|
| 07/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 06/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 06/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 06/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 05/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/15/2018 |
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
|
|
Web |
|
|
|
| 05/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Referral |
|
|
|
| 04/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Phone |
|
|
|
| 03/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Postal mail |
|
|
|
| 03/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
Servicemember |
|
|
| 03/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 03/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/15/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Phone |
|
|
|
| 01/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Phone |
|
|
|
| 12/28/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Postal mail |
|
|
|
| 12/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American, Servicemember |
|
|
| 12/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 11/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 11/15/2017 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Postal mail |
|
|
|
| 11/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Referral |
|
|
|
| 09/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Phone |
|
|
|
| 09/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Postal mail |
|
|
|
| 09/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Referral |
|
|
|
| 08/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 08/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Referral |
|
|
|
| 07/25/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 07/25/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 07/11/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 06/26/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Unable to open an account
|
|
Referral |
|
|
|
| 06/26/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Referral |
|
|
|
| 06/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Referral |
|
|
|
| 06/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 05/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 04/27/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 04/26/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Postal mail |
|
|
|
| 04/17/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 02/27/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 01/08/2017 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Referral |
|
|
|
| 01/04/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Referral |
|
|
|