GREENSTATE CREDIT UNION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/31/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	WI 535XX	Web
On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX in XXXX, Wisconsin. I traded in XXXX XXXX on the XXXX. I had full insurance coverage on my XXXX. I have had full insurance coverage on all my vehicles since I started buying vehicles. I am not so ignorant as to not purchase insurance, plus it is the law. For some reason, the men at the dealership focused on speaking with my husband. When I asked my husband about the insurance, he said that the dealership would contact our insurance company to let them know we had changed vehicles. I have XXXX children, a XXXX-year-old and an adopted XXXX-year-old. I work full-time and am XXXX years old. Both of my children have special needs and are quite challenging. I have little time for anything other than working and taking care of them. I was incredibly happy that I did not have to contact the insurance agency. In early XXXX of XXXX I spoke with our insurance agent about the renewal or something else, I don't recall. At that time, I found out they had not gotten the update of my vehicle. At that time, I gave them the information needed to change the insurance to my newly purchased vehicle. In XXXX. My husband got a voice mail message from GreenState Credit Union that said we had to call them right away. I called them right away. Like every other time I had called them in the past, I got an answer service/voice mail. I left a message, and no one called me back. In fact, this has happened several times with this company. When I was setting up the automatic payment at the start of the loan, it took me several calls to get to someone that could help me. Several days later my husband handed me the phone and said someone from the credit union was on the line. English is not his native language ; he has problems understanding things over the phone at times. He gave me the phone and I spoke with a woman who told me that I did not have insurance on my vehicle and that they had force placed insurance. I told her I did have insurance ; however, I was told that my change of vehicles was too late, and that I had been sent many letters about this. I did not receive any such letters. I never saw them at least or I certainly would have addressed the problem. The woman on the phone was not friendly and spoke to me like I was a criminal. This led me to get angry and with the amount of stress in my life my anger management is not particularly good. I responded with some not so nice language and told her I was going to bring the car and put it in their parking lot or something to that effect. After the phone call, I went to my online account to make sure the insurance was updated. I saw on my loan details that they had charged me {$2600.00} for force placed insurance. {$2600.00}? That is an insane amount I worked at a bank for 15 years. I was the XXXX of the XXXX XXXX XXXX This was outrageous. Never once would I have charged a client that much money without speaking to them. Bear in mind, I did not receive any calls about this until after they had charged my loan. I purchased my car on XX/XX/XXXX. I updated my insurance company on XX/XX/XXXX of XXXX. Taking into consideration the 30 days granted before an insurance change is made, and the fact that the insurance was effective on the vehicle as of XX/XX/XXXX, there were approximately 41 days that my vehicle was technically without insurance. I was charged {$2600.00} for 41 days. In addition, they raised my payment amount more than {$200.00}. When I saw the {$2600.00} charge, I immediately transferred {$3000.00} to my loan. Then every month when my auto payment went through, I got a late notice and had to pay the extra amount. They finally put my payment back after the last email I sent them. It took me over three months to get a response after they raised my payment. There was no phone call or written response, I just noticed that the payment amount had been reduced to the original amount. I am a responsible consumer with particularly good credit. I have never experienced something like this in my life. I think charging me that much money is reprehensible. I understand that I made the mistake. I should have known more and been more aware. But the last few years since losing my job in banking and the struggles with my children, I don't pay good attention to details. Not to mention that no one called me. I want other consumers to be aware of this type of behavior from a financial institution, and that this financial institution is not looking out for their customer 's needs. They must not have very well-developed customer service procedures. It is likely that because technically I am not their customer, the dealer is, so they don't care about me.
11/14/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	IA 52405	Web
So. On XX/XX/XXXX I noticed I over drafted and went under {$220.00}. I immediately transferred {$500.00} from a money market account but that took 3 days to get there. In the mean time I got 5 {$34.00} over drafts totaling {$170.00} bring my over draft to {$390.00}. That is 74 % of the amount I went over. So that is fine. the {$500.00} brought me to a positive. Do to a miscalculation on my part I went under again this time it was {$58.00} again I get the Overdraft Fee 's this is a total of 7 over draft fees for {$230.00} this put me under for a total of {$290.00}. So this is 4x what I over drafted. How is this legal. As that would mean a person could never get out of this hole. I contacted my bank they reversed a single overdraft fee ( I did not include in my calculations ). I then asked them when I signed up for the over draft protection and they said I did it back in XXXX. I don't remember signing up for this over draft protection. The form was not my signature but a generated one. As it could have been filled out when I set up my minor son 's account that has to be attached to mine, until he is XXXX.
08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IA 50208	Web
The green state credit union and XXXX consumer reporting agency are violating at least two of the clauses of 15 U.S.C regarding the reporting of a charge off as debt and as an open account. Green State continues to furnish this account information as debt when they clearly charged this account off and it's not only canceled debt but pursuant to the IRS its now considered income of which I have to pay taxes on. as XXXX and Greenstate is very much aware income can not be furnished on anyone 's consumer report XXXX XXXX XXXX ( a ) ( i ) they have claimed tax credit and is still furnishing on my consumer report as debt Secondly it is being reported as an open account. this violates 15 U.S.C 1681 e.b recently i had an identity theft issue and XXXX checked all accounts but came back as verified and accurate on this issue when it is not.
09/26/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IA 52302	Web
I wanted proof that over drafted my bank account which i did not overdraft. Plus it was a business account that is not suppose to be on my personal consumer report. Plus they verified it and it company name is spelled wrong. So there are inaccuracies. So this must be deleted. As you can see it says XXXX XXXX. It was a business account that has nothing to do with my personal credit report. It is spelled wrong. Which mean by law that is was verified correctly and it so inaccurate to it my be deleted.
09/07/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	IL 60517	Web
Someone was writing checks and i had a XXXX XXXX and when i got out from recovery i noticed the problem right away and called the financial institution to correct the problem i recently filed an identity report.
10/15/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	IL 60653	Web
this account with GREENSTATECU is not mine. I did not personally open this account. This account either belongs to someone else or is some used my identity to open this account.
07/10/2023	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	MD 206XX	Web
XXXX received from : GreenState Credit Union dated XX/XX/23. Report # XXXX Spoke with XXXX, XXXX XXXX on XX/XX/23. Accounts were not opened.
01/19/2024	Yes	Checking or savings account Checking account	Managing an account Fee problem	PA 19382	Web

01/17/2024	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	AZ 85138	Referral

01/16/2024	Yes	Mortgage Conventional home mortgage	Trouble during payment process Paying off the loan	TX 75013	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IA 50701	Web

12/28/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	IL 61265	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IA 501XX	Web	Older American, Servicemember

12/10/2023	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	IL 60098	Web

12/06/2023	Yes	Mortgage Conventional home mortgage	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IA 52302	Web

11/03/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	IA 50312	Web

10/09/2023	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	IL 60504	Web

09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60154	Web

09/23/2023	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	IL 60649	Web

08/25/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	WI 53066	Web

08/04/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	IA 50315	Web