RANDOLPH-BROOKS FEDERAL CREDIT UNION CFPB Complaints
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| Date Received | Timely Response | Product | Issue | State / Zip | Submitted Via | Tags |
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| 08/28/2023 | Yes |
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| I am a member of Randolph-Brooks Federal Credit Union . I would like to initiate an investigation on how this institution intentionally- in my experience and belief - allowed certain debit card transactions into a member 's share draft account for the purpose of profiting from their Courtesy Pay service fees. I used my debit card for my daily and recurring transactions. RBFCU offers two features to help prevent fraud and unintentional debit card transactions. One feature enables a member to freeze all transactions and be alerted when transactions were attempted while the debit card is frozen. Another feature is the ability to decline certain transactions over a dollar amount and be alerted when transactions are attempted when such feature is turned on. As of this past Friday, the feature to completely freeze all transactions was turned off. In addition, the feature to decline debit card transactions over {$1.00} and be alerted when such transactions are declined was turned on. These features were setup on or before XX/XX/XXXX. RBFCU allowed two debit card transactions into my account, bringing my account further negative and charging a {$24.00} each time. They're from XXXX : {$10.00} and {$8.00}. These are supposedly recurring transactions because I did not authorize them at the time it attempted on my debit card though I authorize them to periodically debit my account awhile ago. Even so, my debit card was not frozen to all transactions but enabled declining any transactions over a {$1.00} amount and alert me of this decline. I received no alert about these transactions either approved or declined. I had to find out by casually logging into my account and seeing these transactions pending. I originally called into their Member Service Center on Friday to discuss removing only the Courtesy Pay fees of the transaction in question since they allowed these transactions with the feature declining certain transactions enabled. The first representative proceeded to tell me that I enabled Courtesy Pay on my account and they weren't able to remove the fee. They then asked me do I need to remove the Courtesy Pay feature on my account. I mentioned my issue is not about the Courtesy Pay feature but with allowing the transaction to be approved on my account and then adding their service fees. I told them it didn't matter if I had Courtesy Pay enabled or had sufficient funds for the transaction - my issue is allowing these transactions when it's clear that I instructed the financial institution to decline any transaction over a {$1.00} and trying hide the fact that this occurred. That's when I spoke to a person purported to be a supervisor. I told them my issue again, and they said they're looking into what happened and possibly refund my fees. I was placed on hold several times and after which was told the person over the Spending Controls feature is not available. They asked to call back Monday at XXXX XXXX. to speak with them. The supervisor also mentioned that that person should be able to remove fees associated with the transactions. They also stated that they will put notes on my account as to why I would call back on Monday. At exactly XXXX XXXX. today on Monday, I called the financial institution and was on hold until they finally picked up the phone ( around 25 minutes later ). The representative I spoke with this time saw my account note and transferred me to their Payment Service Center. This person I ended up speaking with asked me if I had a business account and credit card. I laughed and said no - that it's a personal account. I believed that they were given erroneous information so I just told them why I am calling. They proceeded to tell me that the feature I am having an issue is only for alerts. I then interjected to say the feature on the website clearly said decline and alert. The person then said they do not know what I was referring to when I asked to speak to the specific agent over the Spending Controls feature. I told the representative that I sent them an email while we were talking of the screenshot on the screen. I mentioned this feature to decline and alert was already turned on. They then said they would need to investigate and get back to me within 24-48 hours. I then asked can they send me a message on Secure Messages, and they then said they have no ability to do that and that they would leave a message. I then asked can they send me a Secured Email and that they sent me such e-mails in the past. The representative said they would need to speak to me to explain the service. I then said why would you need to leave a voicemail if you need to explain it to me, just to leave me a voice message. I then hung up the phone. I called back to Member Services again to speak with a supervisor. They asked if my call has something to do with my Spending Controls feature and tried to send me back to Payment Services. I told the person this time I have an issue with a supervisor at the call center. I was then connected to someone purported to be a supervisor. I explained to them about why did the first supervisor notated that I have a business account and a credit card when I had an issue with my personal account and the Spending Controls. The person then said they do not understand what I meant what I said. I explained to this person three different ways on why they notate that I had a business account and a credit card and tell me to call back today when there's no specific person over that feature I would need to speak to just for them to start an investigation. I asked them why they could not start an investigation on Friday instead of me having to call back Monday to start an investigation when that person does not exist. The person said they couldn't start an investigation on Friday until I spoke to that specific person. I said they are making to sense because this specific employee does not exist and another representative said today they are initiate an investigation. I asked to send a message to a " Board of Supervisors '' member to call me. The person said they do not have such a board. I told them I had a past issue when they said they would have a " Board of Supervisors '' member to contact me which to this day they did not. I then asked to speak to an executive team member. They said they do not take calls from the public. | ||||||
| 03/22/2023 | Yes |
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| I am writing to file a complaint against Randolph Brooks Federal Credit Union ( RBFCU ) and to request resolution. The mortgage lender ( RBFCU ) approved an inexperienced builder as well as payments up to {$290000.00} based on the builders confirmation of completion. The financial institutions response was negligent and less than ethical. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) determined that my house is 56 % complete. On XX/XX/XXXX, the financed structure built was appraised by XXXX for {$500.00} after adjustment. This said, my home loan can not possibly be secured since the property has no value due to incurable physical deterioration allowed by the negligence that approved an unqualified builder to construct his first home project. {$610000.00} is the estimated total to demolish and rebuild my house in the current XXXX market. This is the amount required to bring my home to correct completion and city code. What happened was there were several examples of negligence and predatory behavior enacted by Randolph Brooks Federal Credit Union including : On XX/XX/XXXX, an incorrect subcontractor list was provided to RBFCU from the builder XXXX XXXX with the now forfeited XXXX XXXX XXXX Examples of work experience were all fabricated as well as the one reference XXXX shared that I called. Experience and qualifications were not confirmed by RBFCU. On XX/XX/XXXX, my builder was approved by RBFCU and later paid with no qualifications, with all responsibility for this decision falling on me, the consumer and homeowner. His LLC was forfeited before completion of my home. I didnt learn this until I hired an independent paralegal who uncovered what my bank missed. This resulted in a new home initially valued at {$570000.00} and is currently appraised for {$500.00} for the developed improvement. I received email confirmation from XXXX XXXX of RBFCU with the green light to close on XX/XX/XXXX. RBFCU did not confirm my correct closing XXXX or details ( corrected on XXXX XXXX and XXXX XXXX ) with me or the correct closing date with XXXX XXXX. My title company closing managers name that was provided by RBFCU on XX/XX/XXXX in the CD listed a former employee that resigned from XXXX XXXX months before my closing date. I jumped in to make the calls and to sort out the incorrect information in order to close in time. XXXX XXXX was frantic and gracious when I confirmed the date of my closing. On XX/XX/XXXX, I closed on my loan with RBFCU while at XXXX XXXX with my builder XXXX XXXX of XXXXXXXX XXXX XXXX. My address was incorrectly listed on the closing documents when forced by my builders inaction and the absence of the financial institutions checks and balances to extend my contract for XXXX on XX/XX/XXXX. XXXX emailed to ask me and the builder to confirm the completion percentage instead of hiring a neutral third-party capable of truthfully confirming the answer to the banks inquiry. While the builder stated the house was 95 % complete on XX/XX/XXXX, the XXXX XXXX XXXX XXXX determined by XX/XX/XXXX, that my house is 56 % complete. I requested on several occasionsincluding XX/XX/XXXX, XXXX RBFCU to request receipts from my builder, as required in the Improvements contract. This request was often met with silence. On XX/XX/XXXX, I was extended the offer by XXXX XXXX in a call to pay interest only until my lawsuit against the builder was resolved. This offer was revoked in a call on XX/XX/XXXX prompted by XXXX XXXX preferred form of communicationafter emailed confirmation on XX/XX/XXXX without explanation, construction completion, or a legal settlement. Recommending an additional loan at an interest rate 3X my initial interest rate to demolish and to build my home correctly, which would double my mortgage and payments. On XX/XX/XXXX, at the encouragement of an RBFCU veteran-member, I typed and mailed a letter to the XXXX XXXX XXXX XXXX after learning the loan terms would be converted immediately, voiding the offer that I honored monthly in a timely manner. The board representatives never responded. On XX/XX/XXXX, the lawsuit petition for my builder and his forfeited XXXX was produced and shared. On XX/XX/XXXX, RBFCUwhen forcing the conversion of my loan before 100 % completionattempted to get me to sign false documents for the converted loan. The materialsshared by XXXX XXXX on XX/XX/XXXX, XXXXreflected a lack of integrity by the financial institution and focused only on the protection of the bank and not at all for me, the consumer. I declined signing the documents. On the RBFCU Construction Loan Modification Closing Package, I redacted signing off on the : One Time Close Affidavit and Payment of Final Bills as it states Builder is certifying that the home is complete and that all contractors, vendors and suppliers have been paid in full. Borrowers Direction to Lender to Release Retainage at the Time of Closing into Permanent Loan, because the bank initially refused to release remaining funds to anyone besides my self-proclaimed and RBFCU-approved builder following my emails to XXXX XXXX of RBFCU on XX/XX/XXXX and XXXX, XXXX. I declined signing the One Time Close Affidavit of Completion and Payment of Final Bills that was focused on protecting the bank while forfeiting any available protections that would stand in in this situation. My custom new build was determined in the appraisal hearing that my house is 56 % complete. It was later appraised for {$500.00} as a result of incurable physical deterioration due to a foundation designed by an unqualified structural engineer and built by an RBFCU-approved unqualified builder. My house isnt warrantable for XXXX and XXXX. Since my new home has no value, my loan as I understand it can not be secured. On XX/XX/XXXX, I received a 54-page inspection report from a neutral / third-party TREC-licensed inspector detailing faulty workmanship that was not completed or to code, with items focused on safety. This did not include damaged or stolen materials in other areas of the build. | ||||||
| 01/30/2023 | Yes |
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| On XX/XX/2022, I booked a hotel reservation online to stay at XXXX XXXX XXXX XXXX, XXXX XXXX. I received a confirmation email with all the details and everything looked legit until I arrived to the Hotel. When we arrived to the Hotel we approached the front desk and showed the confirmation email of our booking ; front desk then said there wasn't any record of a reservation under that confirmation or my name. I went ahead and showed them the transaction on my bank account paying for the stay {$1900.00}. They assured that transaction under XXXX didn't looked like their domain and were able to confirmed no funds were received for any reservation under my name. I made several calls to the vendor listed on my confirmation email and I didn't get a response. After several failed attempts to reach the agent I had to end up paying for a stay onsite, it was already past midnight and had my toddler and family waiting in the car. I instantly disputed the transaction with XXXX through my online banking. The following day I called the dispute center to give more details about the fraudulent transaction to explain the situation and was told to fax any documentation I had. I faxed over the documents as soon as I had access to a fax, I provided the confirmation email, written details of the incident claiming the vendor had failed to provide the services I was charged for. Couple of weeks later I received a " temporary credit '' for the disputed amount {$1900.00}, when this happened I assumed the matter was resolved. Unfortunately on XX/XX/2022 I woke up to a reversal/charge of the {$1900.00} reflected on my account I called XXXX right away and talked to a representative that said the dispute was closed and they had sent me a letter ( which I never received ) I told him I did not received such letter and explain all over again how the vendor failed to provide the service they had charged me for and that I had already provided documentation showing my second charge for the booking I had to make onsite. He instructed me to fax once again a written response with any additional documenting I had, this was now directly to a priority Fax since he was going to escalate the Dispute and reopen the investigation. I faxed my itemized onsite booking receipt and a written response asking for help to resolve the matter. Couple of days passed and I called XXXX to follow up, I was told to wait a couple of weeks that it was " under review ''. Weeks passed and I called to follow and once again I was told to wait now 90 days for a resolution. I called in XXXX to follow up and the representative that answered said the case was still closed and it hadn't been reopen, I insisted to have them review the notes and that I had talked to a representative that had escalated the case, also reminded them that all conversations were recorded and after a long conversation they were able to retrieve the notes and promised to have submitted a request to have the dispute open and once again reviewed. Weeks went by and I didn't see the credit reflected in my account or received any feedback from XXXX so I decided to call again to follow up, this time a female representative talked to me and I was told once again that the dispute was closed and no one had reopened it, I started crying with the frustration and requested to talked to a supervisor or to be instructed to who do I needed to talk to in order for this to be resolve. I was told there wasn't anything else I could do, that I needed to follow their Dispute process, but I had already done so and didn't get anywhere. I asked what kind of investigation had taken place because it felt that XXXX wasn't representing me as their customer. They hadn't done anything even though I'd begged them for help, insisting and proving supporting documentation that I was a victim of fraud. This representative asked me if I had additional documentation and that it would help if I was to get written support from the Hotel that I had to book a stay on site due to a nonexistent reservation, and that she will submit a high priority request to have the Dispute reopen. Within the same day I was able to get confirmation from Hotel Accounting Department stating my previous claim, that the vendor who charged my card didn't have any reservation ready for me and that I had to book a reservation on site. I faxed the documentation the same day. Until today I hadn't received any feedback from XXXX or a credit on my account, so I called the Dispute center again and was told the Dispute was reviewed and it showed as closed, there was nothing they could do but have their supervisor call me back and although the Dispute history had several notes, it didnt seem the last fax was taken into consideration. At this point I've been paying interest on the {$1900.00}, and XXXX intuition has failed to represent me in this matter. Although I have provided supporting documentation that the charge was fraudulent and continue to insist for hep, they have done nothing but ignore my pled. | ||||||
| 10/19/2023 | Yes |
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| RANDOLPH BROOKS FEDERAL CREDIT UNION is in clear violation of the law and will face legal consequences if right action is not taken immediately after this notice is received. It has come to my attention that RBFCU contacted a third party or credit reporting agency XXXX XXXX XXXX with my nonpublic personal information regarding an alleged debt account of {$490.00} ( ending in XXXX ) owed to your company without my written authorization to furnish such information. According to 15USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES 2 ) In accordance with the written instructions of the consumer whom it relates. I never gave you written authorization to contact any third party or credit reporting agency with my nonpublic personal information. Provide me with the original signed consumer agreement between both parties that gave you permission to contact XXXX XXXX XXXX with such information and data. Furthermore, according to 15USC 1681a ( 2 ) ( a ) ( i ) ; EXCLUSIONS ; My transactions or experiences to the person RANDOLPH BROOKS FEDERAL CREDIT UNION are EXCLUDED from my consumer report Your violation of 15USC 1681a ( 2 ) ( a ) ( i ) demands the deletion of the account you reported to XXXX XXXX XXXX because the LAW states my transactions and experiences to RBFCU are excluded from my consumer report which MEANS THIS DATA IS NOT SUPPOSED TO BE FURNISHED OR REPORTED ON MY CONSUMER REPROT REGARDLESS OF WHAT IS INCLUDED IN ANY OF YOUR COMPANY POLICIES. ( a ) INGENERAL-Subject To Section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include all transactions or experiences between the consumer and the person reporting. Pursuant to 15USC 6802 ( B ) - RANDOLPH BROOKS FEDERAL CREDIT UNION failed to provide me with all three of my privacy disclosures ( A-C ) before the reporting of such information to XXXX XXXX XXXX which is another violation of the LAW ; OPT OUT ( 1 ) In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. I never received all three privacy disclosures before this account was furnished to XXXX XXXX XXXX which demands the deletion of this inaccurate account ( Ending in XXXX ) you reported closed on ( XX/XX/XXXX ) I refuse to pay this alleged debt, CEASE AND DESIST all collections activity regarding this alleged debt. According to 15USC 1691 ( c ) Ceasing Communication ; RANDOLPH BROOKS FEDERAL CREDIT UNION will face legal consequences if you contact me any further in attempt to collect this alleged debt and any third party or credit reporting agency with my nonpublic personal information as well as any person you attempt to sell this alleged debt to. Your offenses to reporting this alleged debt to collections amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You then have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a felony along with civil liability and defamation. Under the New Rule REGULATION F which took effect on XX/XX/XXXX, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule you must CEASE AND DESIST the reporting of this debt or I will escalate this matter. According to the IRS Publication a Charge-Off is defined as Income that must get reported on taxes of the consumer regardless if the 1099c form was received from the person which is nonpublic personal information that does not get furnished on a consumer report - making this alleged debt owed to RANDOLPH BROOKS FEDERAL CREDIT UNION unable to be reported to any credit reporting agency or third party with respect to such private information of the consumer involved. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt. | ||||||
| 01/25/2022 | Yes |
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| XX/XX/XXXX I applied for a refinancing of an existing loan on my XXXX XXXX XXXX XXXX, my existing loan I have through Randolph brooks federal credit union, and I was trying to get the interest rate down from 12 % because I had been working at my new job and my credit score was finally up to XXXX, I applied this application number # XXXX. They approved my refinance around 5.3 % or so, then they told me I had to send them the title but I explained since I lived in Florida the state of Florida has and owns the title per Florida state law and they ( rbfcu ) had sent Florida the title so they should know this. Then two weeks later they still hadn't sent me paperwork to sign and responded that I had a laps in my truck being registered and this was a lie, the truck had never been without being registered it went from being registered in Texas to Florida immediately. I sent them proof. Two weeks later they responded and said again that it wasn't registered and I would have to reapply once it had been registered for 6 months I called them and messaged them and told them again that was a lie and proved to them it was wrong. Then they came back and said I couldn't get gap insurance on my truck and they would have to resubmit the loan, I said I didn't want gap just send me the loan paperwork to sign they refused, then they said the loan terms had expired and I would have to reapply. Now it was approximately mid XX/XX/XXXX so I reapplied for another loan in mid XX/XX/XXXX they came back and approved this second loan but with higher interest rate around 7 %. They said my credit score had went down this was the second loan application. I agreed and asked for the paperwork to sign, two weeks go by and no loan paperwork, I call and message multiple times in XXXX they give me numerous complaints on errors with my loan saying again the truck was lapse on being registered, this was again false and a lie, I called them and provided evidence again 3rd time!!. Then they said I couldn't get gap insurance on my truck I said fine just send me the paperwork. Several weeks went by and no loan paperwork to sign I messaged them through their website and called, and refused to let them ignore me even though I work during the daytime and tried everything to get a response. Finally on XXXX they sent me the paperwork to sign, I signed it and received confirmation that it was signed correctly on XX/XX/XXXX. Then I waited and on XX/XX/XXXX they removed the full amount of the original loan so I called and asked what happened with my loan and they said there was an error with signing the paperwork and I would need to apply again for another refinance loan ( 3rd time since XX/XX/XXXX ). I called and complained and told them I was filing a formal age and XXXX discrimination complaint and they said the only way they could reopen that loan would be if they were at fault for the paperwork, they called me back and confirmed they were at fault for not changing the terms of the loan before I signed the paperwork, and they confirmed I had done nothing wrong with signing the paperwork, but they said they still would not reopen the loan and I would need to reapply a third time, now my credit is hit three different times. I told them I felt I was being discriminated against for being a single female over XXXX and they were purposely causing me not to be able to get the loan at the lower rate. They said I would have to reapply. I reapplied XX/XX/XXXX and now the interest rate jumped up to 9 % from original 5 %. I want them held accountable this is discrimination and it is illegal. I have made no less than 12 calls to them numerous messages through their website and emails they purposely refused to give me the loan paperwork in a reasonable time and falsely made statements after they approved the loan and delayed it so I couldn't get the lower rate two different times so I couldn't get the loan at the lower rate. This is Randolph Brooks Federal Credit Union in Texas, I have been with them over 17 years and have paid off at least 7 loans through them while I was married but now I am single and they are discriminating against me. Illegal. | ||||||
| 02/25/2022 | Yes |
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| I am the independent administrator for my father 's account. In XXXX, I went into the credit union to close my father 's personal savings account and open an estate account. At this time, I was told I could not close my father 's savings account because he had money owed on the credit card that was open at the same credit union. I then requested statement balances, and I found the XXXX XXXX had automatically transferred {$520.00} to the credit card with the title " Descriptive Withdrawal '' on XX/XX/XXXX ( my father passed away on XX/XX/XXXX ). No one gave them permission to do this, and I think it was in violation of the law as a credit card in an unsecured debt and I needed to know what was available to pay secure debts first. There is an order to debts owed on estates, and the credit union flagrantly violated this law. I took home the account statement to think about it further, and called the credit union on XX/XX/XXXX to find out more about setting up an estate account and was assured on the phone that I could set up an account and they would not pull money from it without my permission, so I proceeded to the bank in good faith believing they would honor this. An estate is considered a different entity from the person. When I went into the branch on XX/XX/XXXX at XXXX, I was told by the estate department that " we would have to pay a monthly payment on the credit card. '' They then lectured me and told me I had an obligation to them to pay the credit card debt and not to give the money to the beneficiaries instead. I explained that my father had a lot of debt, included secured loans, and I had to be confident they would not pull money out without my permission while I figured out all that was owed. They said they couldn't give me any such assurance and again suggested I wanted to take all the money for myself. I was offended. My father had been a member of the credit union since XXXX, and I have been one since the XXXX. Neither of us deserved to be treated with such disrespect. I left and set up the estate account at a different bank. On XX/XX/XXXX, I reached out to the estate department, and we reached a settlement agreement ( which is attached ). I sent the check certified mail, and the check was delivered on XX/XX/XXXX. They cashed it on XX/XX/XXXX. Today, XX/XX/XXXX, I went into the credit union at XXXX to close the account. I was there for almost an hour and a half and they still have not closed the account. First, I had to video with the estate department, who told me that the collections department would not allow the account to be closed. Then I had to listed as the collections department spoke to the branch representative and not to me. The collections department said they could not do anything without the branch manager 's approval of the letters of administration and the death certificate that were already approved and in the system from a previous visit as well as having showed them to the estate department again today. Then we re-called the collections department and they did not want to speak to me, but finally they did. I read the settlement letter. They told me that the account couldn't be closed because " they were taking a loss on the amount we didn't pay. '' I argued about what a settlement means and only when I asked point blank, " Are you saying you will not close my father 's account? '' did they tell the branch representative to " just close it '' and hung up. The branch representative is not able to close the account of a dead person. Only the estate department has that authority. She tried to video link back to the estate department and tried calling the manager 's office of the estate department, and we waited for over twenty minutes, and no one would answer our calls. I was at the credit union for almost an hour and a half and accomplished nothing. They told me I had to come back and be there in person to do this all over again because the estate department had to " see my face. '' It is unacceptable and unethical that the credit union has behaved this way. | ||||||
| 10/03/2023 | Yes |
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| I trust this letter finds you well. I am writing to bring to your immediate attention a matter of significant concern regarding unauthorized transactions and accounts associated with my name at Randolph Brooks Federal Credit Union ( RBFCU ). I am reaching out to you in the hope of resolving this matter promptly and amicably. I recently discovered that a vehicle purchase transaction was made using my personal information without my knowledge or consent. This transaction, which originated during a period of my XXXX due to health issues and Family and Medical Leave Act ( FMLA ) leave while residing solely in the State of Oklahoma, was conducted by an individual named XXXX XXXX. It has come to my attention that XXXX XXXX not only purchased two vehicles in my name but also opened two accountsa checking and a savings accountat RBFCU without my authorization. Despite my diligent efforts to address this situation, I have encountered significant obstacles in obtaining crucial information from RBFCU. I have made multiple requests for the purchase agreement and loan documents associated with the vehicle transaction, but regrettably, the bank has refused to provide this documentation. This lack of transparency has hindered my ability to understand the full extent of the financial commitments made in my name. Moreover, XXXX XXXX has admitted to his involvement in the unauthorized opening of the two accounts at RBFCU. These accounts were established without my knowledge, and I never submitted any documents or provided personal information to facilitate their creation. XXXX XXXX 's admission that he opened these accounts to address his own financial challenges underscores the fraudulent nature of these actions. I promptly notified RBFCU of the unauthorized accounts and requested their closure. However, to my dismay, these accounts remain open, posing a potential threat to my financial well-being. XXXX XXXX 's ability to deposit checks into these accounts, even though his name is not associated with them, raises serious concerns about the bank 's security protocols and compliance with anti-fraud measures. I have informed XXXX XXXX of my intent to pursue identity theft and civil charges against him, supported by his written admission of guilt. It is essential to address this matter comprehensively to prevent further harm and to hold accountable those responsible for these fraudulent activities. In light of the above, I kindly request the following actions from RBFCU : -Provide all relevant documentation, including the purchase agreement and loan documents associated with the unauthorized vehicle transaction. -Conduct a thorough investigation into the unauthorized accounts opened in my name, ensuring the closure of these accounts. -Review security footage to verify that I did not make any deposits into the unauthorized accounts. -Cooperate fully with law enforcement authorities to address the identity theft and fraudulent activities perpetrated by XXXX XXXX XXXX . XXXX has been terminated from multiple dealerships for falsifying documents on customers is a concerning pattern that may further substantiate my claims of fraudulent activities. I emphasize the urgency of resolving this matter promptly to safeguard my financial interests and to rectify the unauthorized transactions and account openings. I expect RBFCU to treat this matter with the seriousness and urgency it warrants, and I am prepared to pursue legal avenues to protect my rights if necessary. I request your acknowledgment of receipt of this letter and a commitment to providing a comprehensive written response within 10 business days. Your cooperation in resolving this matter is crucial, and I appreciate your attention to this urgent issue. Thank you for your prompt action on this matter. | ||||||
| 08/18/2022 | Yes |
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| I applied for a personal loan for $ XXXX with this credit union on XX/XX/2022 and was denied. The Adverse Action reasoning for the denial was unsatisfactory and was also incorrect so I sent an email to their underwriting department ( XXXX ) to question this. Someone ( named XXXX ... no last name left ) returned my call during my office hours and left me a voicemail. When I returned the call she had given me an phone extension without a voicemail to leave her a message. I called the following day and was told by the CSR who took my call is the extension she left # XXXX is not an extension with a voicemail capability. He checked and found that this particular employee was out of the office and their underwriting department uses a " general '' extension to accept calls yet with no way for a customer explain why their calling nor leave a voicemail. Later that day ( Tuesday XX/XX/XXXX ) I received a call from a gentleman who says he name is XXXX and he is a Senior Underwriter. I questioned how could I not qualify for a personal loan with a XXXX score of XXXX ( 850 is the highest according to their XXXX XXXX XXXX letter ). I also questioned why was the turndown reason listed not accurate. There were two turndowns listed ( 1. Proportion of loan balances to loan amounts is too high and number 2. Too many accounts with balances ). NEITHER one of these are true or accurate. First and foremost out of $ XXXX $ XXXX of available credit to me my balance is less than {$500.00}. Secondly I have a small car loan with a balance of less than $ 3k with a $ 180 monthly payment. In speaking with him he stated the credit union really don't want to do " unsecured '' loans they want to move more to " secured '' loans. I responded with why do the credit union offer this on the website as an option and this borderlines " Bait and Switch ''. I currently have a line of credit ( $ XXXX ) with this credit union that has never been paid or paid derogatory. A person can not achieve the credit score that I have and at the same time have the reasons for the credit unions denial their credit file. To be clear you cant have high credit balances and a high credit score. I have experienced the same challenges before when applying for credit with the same credit union when I have applied. As we moved further along in the conversation XXXX says the credit union takes each application on a case by case basis and I asked if I cant get approved with the outstanding credit that I have than who can?? Furthermore, case by case basis opens the door for humans to interject their personal biases and opinions which is the reason why lenders have guidelines. There isn't a guideline that the credit union has have that I didn't meet. I am NOT an overly sensitive person when it comes to race issues BUT I have to question why I was denied because the reason given is not true or accurate. I am requesting the CFPB use their resources to request this credit union provide data and statistics on who they make loans to and who they don't and IF they find that there is " Red-Lining '', as well as, discriminatory practices that this business be held liable and accountable through compensatory, punitive, nominal, and liquidated damages. I was told that they would review but 1 day they came back with the same denial. I wasn't even offered so much as counter-offer. Please review my credit bureau and you will see there is no derogatory credit accounts nor credit accounts with excessive high balances as this company alledges. I am imploring the CFPB request documents and data to make ABSOLUTELY certain that this credit union is operating according to the lending laws of the United States to protect the protected classes that laws are designed to protect. | ||||||
| 07/29/2022 | Yes |
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| I am a FEDERALLY PROTECTED CONSUMER and I have strong reason to believe that RANDOLPH BROOKS FEDERAL CREDIT UNION is violating my Consumer Rights. I'm going to establish that under FEDERAL LAWS RANDOLPH BROOKS FEDERAL CREDIT UNION ACCT # XXXX is violating my rights and they are furnishing negative information " late payments '' and its damaging my creditworthiness and running my name and ability to extend credit. I have made multiple attempts since XXXX in writing to inform RANDOLPH BROKS FEDERAL CREDIT UNION about the violations pertaining to this credit transaction. I am the Consumer " I EXTEND CREDIT '' MY SOCIAL SECURITY NUMBER, MY SIGNATURE, MY INSTRUMENT FUNDS THIS ACCOUNT and I HAVE THE RIGHT TO COMMERCE. Under THE TRUTH IN LENDING ACT 15 USC 1666B 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. WHICH RANDOLPH BROOKS FEDERAL CREDIT UNION HAS NEVER DONE 21 DAYS BEFORE. THIS ESTABLISHES THERE IS NO SUCH THING AS LATE PAYMENTS. And before RANDOLPH BROOKS FEDERAL CREDIT Tries to say again " we have to report negative information to the credit agencies. 15 USC 1681 S27E THERE IS NO FCRA LAW ON FURNISHERS MUST REPORT NEGATIVE INFORMATION. The question I have for RANDOPLH BROOKS FEDERAL CREDIT UNION is well on who's authority do you have to report this information? Because UNDER THE FTC, GRAMM-LEECH-BLILEY ACT I HAVE THE RIGHT TO PRIVACY. You have no right to my NONPUBLIC PERSONAL INFORMATION I never gave you my lawful, legal. consent authorization to furnish, and spread, for profit to unauthorized non affiliated third parties. And PER FEDERAL LAW 18 USC 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THIS LAW STATES THAT THE UNITED STATES HAS THE " OBLIGATION '' AND ALREADY PAYED THE DEBT 18 USC 8. So the question is how can RANDOLPH BROOKS SAY I OWE THIS " ALLEDGED DEBT '' AND PUT '' LATE PAYMENTS '' ON MY CONSUMER REPORT? AGAIN UNDER 18 USC 8 THE UNITED STATES HAS ALREADY PAID THE DEBT OBLIGATION. There is no way to be late paying on something already paid for. The negative information " late payments '' being furnished on my consumer report are damaging my credit worthiness and prohibiting me from commerce and extending credit which is y right. This is why this is personal to me and I'm calling on the CFPB to ENFORCE my Consumer Protection Rights and protect my Consumer Protection Rights from RANDOLPH BROOKS FEDERAL CREDIT UNIONS practices. | ||||||
| 10/19/2023 | Yes |
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Web | Older American, Servicemember |
| On XXXX XX/XX/XXXX, my estranged husband file for XXXX XXXX bankruptcy. One of the debts he listed on his bankruptcy application was a master card account that my estranged husband and I were joint credit card holders. On or about XXXX XX/XX/XXXX, I received a telephone call from a lady from the XXXX XXXX XXXX ( XXXX ) XXXX XXXX Bankruptcy department demanding payment. She spoke in a rude and very abrasive tone of voice demanding payment. She went on to say that just because my husband filed for bankruptcy that I am still liable to pay the credit card bill and that I need to make an immediate payment. I made a payment that day and subsequently set up an automatic payment from my checking account for {$36.00} to pay the credit card bill every month. On or about XX/XX/XXXX, the XXXX Florida Bankruptcy court notified RBFCU Mastercard bankruptcy department to file any claims they may have by submitting Proof of Claims due to the Bankruptcy XXXX by XX/XX/XXXX. On or about XX/XX/XXXX, Randolph Brooks FCU Mastercard bankruptcy department submitted their Proof of Claim for {$1700.00} for the joint credit card account to the XXXX XXXX Bankruptcy XXXX. Note : as of XXXX XX/XX/XXXX, {$1700.00} was the joint credit card account balance. On or about XX/XX/XXXX, the XXXX XXXX bankruptcy court sent Randolph Brooks FCU Mastercard bankruptcy department check # XXXX for {$1800.00} ( {$1700.00} payment in full for the joint credit card account claim and {$2.00} interest ). Sometime in XX/XX/XXXX, it appeared on my credit reports that the original credit card account number was changed to a new XXXX credit card account number with the balanced transferred to the new credit card account and it stated that the account was closed by grantor with an open balance of {$1100.00}. Unbeknown to me that the bankruptcy court had paid the claim in full and that RBFCU had transferred the balance to a new account and was still taking payment from my checking account. I recently found out that the Bankruptcy court had paid RBFCU the claim in full plus interest ( {$1800.00} ), On XXXX XX/XX/XXXX, I emailed RBFCU requesting to be reimburse the overpayment of $ XXXXand to correct my credit reports and to stop taking payment from my checking account. On XXXX XX/XX/XXXX, RBFCU responded back to my complaint, but they only reimbursed me {$250.00}. That means RBFCU collected a total of {$230000.00} for a claim they submitted for only {$1700.00} ( my payments of {$820.00} and the Bankruptcy court payment of {$1800.00} ). I strongly believe this is fraud and I should be reimbursed the total overpayment of {$820.00} and not just {$250.00}. In summary, as of XXXX XX/XX/XXXX, the balance due was {$1700.00} and RBFCU MC submitted a claim of {$1700.00} to the bankruptcy court in which they were paid the claim amount plus interest ( {$1800.00} plus my payments of {$820.00} ). I should be reimbursed the difference and RBFCU should not be allowed to pocket the over payment. | ||||||
| 08/06/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX Randolph Federal Credit Union Bank XXXXXXXX XXXX XXXX XXXX texas XXXX Subject : Formal Complaint Regarding Refusal to Close Account and Withhold Funds Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the services provided by Randolph Federal Credit Union Bank . Despite my numerous attempts to close my account and retrieve my funds, I have faced significant obstacles and delays, with no satisfactory explanation provided. I have been a loyal customer of Randolph Federal Credit Union Bank for over three years, and during this time, I have encountered numerous instances of poor customer service and a lack of responsiveness. However, the current issue represents the pinnacle of my dissatisfaction with your institution. To provide some context, I requested the closure of my account on XX/XX/2020, and since then, I have been met with nothing but resistance and obfuscation. I have provided all the necessary documents and fulfilled all the requirements set forth by your bank to facilitate the account closure process. Despite this, my account remains active and my funds have not been released to me. Furthermore, I am deeply troubled by the fact that you have withheld a check in my account for an extended period without any valid explanation. This blatant disregard for my rights as an account holder is not only unethical but also potentially illegal. As a consumer, I have the right to close my account and access my funds in a timely manner. The extended delay in processing my request and the failure to provide any substantive explanation for these delays is unacceptable. I urge you to rectify this situation immediately and take the following actions : 1. Close my account promptly and without any further obstacles or delays. 2. Release all funds held in my account without any deductions or fees. 3. Provide a written explanation for the unreasonable delay in processing my request and withholding my funds. 4. Offer compensation for the inconvenience, stress, and financial losses I have endured as a result of your bank 's actions. Please note that if this matter is not resolved within a reasonable timeframe ( I suggest no more than 10 business days from the date of this letter ), I will be left with no choice but to escalate this complaint to the appropriate banking regulatory authorities and seek legal recourse to ensure the protection of my rights as a consumer. I expect a prompt and satisfactory resolution to this matter. I hope that we can resolve this dispute amicably and restore my faith in the services provided by your institution. Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify this situation promptly. Yours sincerely, XXXX XXXX | ||||||
| 07/23/2023 | Yes |
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Web | Older American |
| RBFCU is liable for {$260.00} on a purchase I made from XXXX XXXX on XX/XX/23. RBFCU erroneously investigated my dispute with XXXX XXXX and inexplicably, incompetently deemed the charge " valid ''. This despite the information I provided in which I said I DID NOT RECEIVE THE MERCHANDISE. How can a transaction be valid if I did not receive the merchandise, according to standard contract law? I told the person who recorded the dispute that : XXXX. I went to pick up the item ( cream cheese frozen ) and it had not been refrigerated at the XXXX location. I asked why they did not refrigerate the product and the XXXX representative said that " they did not have a refrigerator ''. I promptly told the XXXX representative that I did not want the product because it was spoiled because they did not refrigerate the product properly. XXXX. I contacted the seller XXXX 's XXXX and told them that I wanted my money back because they sent me cream cheese that had not been properly refrigerated when I went to pick it up and was as a result, spoiled. Therefore, I REFUSED THE SHIPMENT OF CREAM CHEESE AND DID NOT PICK IT UP. XXXX. XXXX 's XXXX said that they would talk to XXXX. I never heard back from XXXX 's XXXX and contacted RBFCU to get my money returned to my account. XXXX. The fault is with both the shipper ( XXXX 's XXXX ) for not telling XXXX to refrigerate the product AND with XXXX for not refrigerating the product after they received it. XXXX. I promptly contacted RBFCU after the holiday, to find out how the charge had been found valid and was told that there was nothing that could be done. Somehow, the person who recorded the dispute did not correctly record the important information which would make an analysis of the charge straightforward. That is : THE CUSTOMER DID NOT RECEIVE THE PRODUCT AT ALL. Unfortunately, RBFCU seems to have compounded the problem by somehow erroneously determining that, despite the fact the cream cheese was spoiled when I went to pick it up, through no fault of my own, and I did not in fact receive ANYTHING for my {$260.00} the charge was somehow " valid ''. This demand letter therefore is precursor to legal action to recover all damages from RBFCU 's egregious breach and violation of their fiduciary responsibility to protect my legitimate use of the RBFCU debit card against fraud from the vendor XXXX 's XXXX. Full payment in the amount of {$260.00} for the violaton is now due and payable to XXXX XXXX. Also, XXXX XXXX now demands that RBFCU explain the incompetent analysis of the charge, and resulting egregious erroneous error in not returning my {$260.00}. | ||||||
| 07/11/2023 | Yes |
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| On XX/XX/2023, I logged into my online account and noticed my son was assessed a NSF fee on his checking account. I thought that since my son was the age of XXXX ( a XXXX ), he could not overdraft his account. I proceeded to chat with a representative via their online chat function in an effort to explain how I understood the policy to work. I also asked if they would consider a courtesy refund, since my minor was upset that his account was overdawn. The representative immediately declined my request. I was not happy because I had 7 other active accounts with RBFCU, all which had sufficient funds. I requested to escalate my complaint and was told to contact their member service number. I called the number, repeated my story and refund request to a rep by the name XXXX. She put me on hold to talk to her supervisor ( XXXX ) and when she got back on the line, she asked if she could connect one of my 7 accounts to my son 's checking to avoid the issue going forward. I thought this was a condition that needed to be met in order to get my refund request approved. After I authorized her to connect any one of my accounts to serve as overdraft protection, she told me her supervisor declined my request. At this point I am extremely upset for many reasons, one being that she had me link an account I would not have linked had I known my request was going to outright be declined. I asked XXXX why her supervisor declined my request and she said, because I authorized the transaction but would/could not expand on any other reasonable explanation. I felt that if I had a non - XXXX name, my request would have been approved. The next day, I closed one of my money market accounts in the amount of XXXX and moved it to another institution, however, it has not sat well with me that out of the 3 employees I worked with, none were willing to service me as I expected. I'm extremely disappointed at the way my request was handled and have taught my son how to manage his accounts, however, the credit union must be willing to understand that not all people understand how overdraft policies work and need to be more empathetic in every situation. | ||||||
| 07/12/2022 | Yes |
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| I have a checking account and debit card with Randolph Brooks Federal Credit Union. I needed to make a cash deposit to an ATM, but there were no XXXX ATMs in my area, however they are part of the XXXX ATM network, where I should be able to use any XXXX ATM to do certain transactions, as far as I knew. I found the nearest XXXX ATM that said it accepted deposits, which was a XXXX XXXX XXXX XXXX ATM attached to a XXXX branch ( address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ). On XX/XX/22 at approximately XXXX XXXX, I used this ATM to attempt to make a cash deposit. I entered my RBFCU debit card ( ending in XXXX ), entered my PIN, and selected cash deposit and entered the cash into the machine as instructed. The machine spent several minutes making noises as if it was counting the cash and then an error message appeared on the screen " Unable to return your cash ''. It then printed out a receipt that says : " We encountered a problem returning your cash. Please contact your financial institution. '' It also has the timestamp and the ATM # which is " XXXX ''. I went to the XXXX XXXX branch in person on Saturday XXXX and briefly spoke with an employee who only told me that I had to contact my credit union to file a claim. I have contacted RBFCU by phone many times over the past few days and have spoken with no less than 5 employees in the payment services department and the claims department, who have repeatedly told me that they have absolutely no way to initiate a claim with XXXX XXXX because there is " no record of a transaction on their end, so there is nothing to file a claim over. '' I have also spoken with the ATM services department at XXXX XXXX over the phone, who also told me that they need RBFCU to initiate a claim with them to start the process of returning my funds to me. So it has come to this, I have both financial institutions giving me the run around. My cash is physically in the XXXX XXXX ATM and whenever they audit it they are going to find the overage, and I don't know how they are going to return the funds to me because RBFCU is refusing to help me or coordinate with XXXX XXXX in any way. | ||||||
| 06/22/2021 | Yes |
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I have two vehicles financed with RBFCU. My goal was to pay off both of these vehicles ( about XXXX owed on each vehicle ). I was eager to pay these off since I'm refinancing my home. My lender needed my debt to income reduced in order to accomplish my goals for the loan. In the early days of XXXX, I tried to make the payments for the total payoff amounts for each loan. For some reason, this was not possible through the online portal which I use to make payments on these loans every month. It forced me to call in order to process a payment. After a few days of attempts, I finally was able to wait on hold long enough to get someone to XXXX XXXX XX/XX/XXXX, I spoke with a rep that determined the total payoff amount for each loan. She told me the interest would have to be two days in the future since that's the amount of time the ACH payments would take to go through. I agree. I then see the total amounts taken from my checking account to payoff each loan. So, those accounts should be closed, right? WRONG! Two weeks later, today, XX/XX/XXXX, my mortgage lender informs me there is still an amount owed on one of these loans. To my surprise, I log into my RBFCU account, and sure enough. It is still open and has an amount still owed of ~ {$1400.00}. Even more to my surprise, there is an additional amount of money in my savings account that is that amount. I quickly make a payment from the savings account to the car loan account in order to pay it off in hopes of moving forward with my mortgage loan. However, this has caused a lot of hassle and could potentially cause me to not be able to close this month. If I can't close this month, I have to pay another month of higher interest, rates could slip, etc etc. The fact is, my payment was wrongfully routed at the discretion of a bank employee to an account I didn't advise. This is ( significant ) costing me money in the form of interest and potentially other fees, ESPECIALLY if mortgage rates increase. |
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| 08/06/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023 I went to the Randolph Brooks Federal Credit Union at XXXX XXXX and XXXX XXXX XXXX I went into the branch to deposit {$450.00} to my checking account. I handed teller XXXX my Drivers License and cash. Upon reviewing my account she mentioned that she was going to update my profile with my drivers license expiration date and issue date. I asked the teller for the purpose of storing that information and she mentioned it was for Compliance reasons. I am pretty familiar with the Bank Secrecy Act and the XXXX profile requirements. Upon inquiring why I hadnt received notification or been given the opportunity to opt out of providing my drivers license details a second teller came up and told me storing this information was a courtesy. The courtesy was for customers in the event they lost their ID and needed to withdraw funds from the account. I mentioned to both tellers Ive been a victim of identity theft and I do not want my ID information release to anyone for this purpose. I am fine with complying with regulations, however I am not comfortable with employees being able to have access to that level of information. I was then mocked and told other customers like it when the credit union is able to go above and beyond. I told the teller as I am a victim of identity theft I am very uncomfortable with anyone being able to walk in and have access to my account because the Credit Union has taken it upon itself to go above and beyond. The teller with the short blond hair then, in a condescending tone said well other people are fine with us going above and beyond as if my concerns of being an identity theft victim was absurd. I filed a complaint over the phone and requested to speak to a XXXX about my concerns and desire to opt out of this above and beyond service. Ive not gotten a hold of XXXX or her co-manager XXXX and have such have caused me to send this formal complaint to ensure my concerns are addressed. . | ||||||
| 06/01/2022 | Yes |
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Web | Older American |
| Attached are documents relating to up to seven of the complaints I could file against Randolph Brooks Federal Credit Union. If I had to pick the one most relevant, it would be credit discrimination thats ongoing since XXXX. They refuse to address it, and they debited my account without my permission to pay a note that has never been delinquent at horrendous interest rates that never shouldve happened. I tried several times for a vehicle refi between XXXX and XXXX -- all were denied when my credit score was above XXXX. I was forced to refinance XXXX Jeep with XXXX remaining on a 3 % loan, at 12.9 % -- after denials at rates ranging from 4.4 % to 7.9 % and even 9.9 % -- which changed to 12.9 % three days later. I was forced to pay two car notes before the loan and another the following week after the new rate was approved. After more than {$20000.00} on the car refi since XX/XX/XXXX, they say I still have more than {$11000.00} to go. I havent been late with any payment yet they kept pocketing. Now, interest on the car note is exceeding 17 % and they now have began charging {$20.00} late fees on notes AFTER I paid on time. The last straw was subtracting {$450.00} from my account without my knowledge on XX/XX/XXXX -- while I was in the middle of talking to bank officials -- loans then collections -- after they ignored emails I've sent them over the past three years. They wont negotiate except to welcome me to apply for another refi. They closed online access, bounced checks, and a lot more. I made more than XXXX calls and nearly 800 minutes getting balances through automated responses. They have ruined my credit and continue to pocket money Ive already paid. I wanted to include scanned attachments, but all include personal information. It took three years to compile iofficial bank documents, emails and more including the voice conversations and the actors involved if needed. | ||||||
| 10/31/2023 | Yes |
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| In XXXXXXXX XXXX XXXX my identity was stolen. An individual went to the bank and cashed two fraudulent checks under my name. I was unaware of the transactions and found that the bank withdrew around {$4500.00} from my account to repay the fraudulent checks that were cashed using my identity. Since XXXXXXXX XXXX XXXX I have made a police report for stolen identity and have spoken to the police multiple times to assist with the case. I have also contacted the bank over twenty times to release the footage to myself or the police. The bank has never pulled the footage and have not cooperated with the police to help find the individual that stole my identity. When I call the bank, I am told that they will " make notes '' and " tell the supervisor ''. It has been a year and I have not been refunded the money that was stolen from me. The bank will not cooperate with me. The bank will not cooperate with the police. I have been unable to speak to someone in an authoritative position to help resolve these issues. Since the money was taken out of my account, I have struggled to pay rent, my car notes, utilities, groceries, and other various bills. I have never overdrafted with this bank, nor have I ever been in bad standing. The bank allowed someone other than myself to come in and cash checks under my name without the funds being in my account. The bank allowed the identity thief to cash two checks in the amounts of {$12000.00} total without the funds being in my account. I have done nothing wrong and have been punished by this bank for the wrongdoings of others. I am financially struggling and would like the money that I earned returned to me. I filed police report. I have cooperated in any way that I can and can not get answers or resolutions from the bank. My balance is negative {$8000.00} as of now and I am out of options. Please help me get back what I worked for. | ||||||
| 06/06/2022 | Yes |
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| On XX/XX/XXXX I purchased a car from XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Their phone number is ( XXXX ) XXXX. During the transaction I let the representative from XXXX know that I was already pre-approved from my bank, Randolph Brooks Federal Credit Union. He stated it was fine but that we were going to finance the car through XXXX and then have title switch the loan over and it would be fine as long as it was done within 3 days. The following Monday was XXXX XXXX On Friday XX/XX/XXXX I called to let RBFCU know that I already bought a car with XXXX but let them know they needed to transfer it into RBFCU 's name. RBFCU stated they called the XXXX representative and sent them an email for the loan pay off information and where to send the check to. The following month I found my loan on the RBFCU website and started making payments on XX/XX/XXXX. Since then I have made every payment through the RBFCU website and have been on time. 3 payments have already been made for the car at the time of writing this. XXXX called me on XX/XX/XXXX at XXXX wnd stated they are putting my car up for repossession as they have not received a payment for the car. I stated to them that I have already made payments through the RBFCU website but XXXX stated they are the lein holder and not RBFCU. I have called my bank and I have called XXXX to try and get the loan and title out of XXXX name into RBFCU but both the bank and the dealership do nothing but point fingers at each other when my credit has been hit for being 60 days late, my credit shows 2 loans for the same car in my name, my time has been lost over 2 days trying to get the two companies to talk to each other, and neither are willing to accept responsibility to move the title and name the proper bank on the loan. | ||||||
| 06/28/2023 | Yes |
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| Dispute Case : XXXX I made a dispute for {$190.00} on XX/XX/XXXX however the whole charge of {$8500.00} was taken from the merchant 's account even after I explicitly written and submitted that I only was disputing {$190.00} of it. The dispute form also ask how much I was disputing. I only stated {$190.00}. The {$190.00} covered the price I had to pay another contractor to fix a house gutter that merchant failed to repair as agreed. The merchant sued me in XXXX XXXX Texas under case no. XXXX. During that time, I have called a few times trying to figure out what was the problem and if the dispute was completed. During that time the dispute always showed pending, and I never got call backs confirming what happened or letters. The lawsuit granted the merchant a judgement of {$8500.00} against me. I called RBFCU customer service once again XX/XX/XXXX and asked my dispute to be escalated so it could be readjusted or stopped. Again nothing. I did get one email that the merchant still did not receive a credit of {$8500.00}. I replied that they have all the information they needed to get their credit back. Over a year and a half later, I get a notice from the merchant 's lawyer for 5 years of statements and other financial documents. I honestly thought that the merchant did receive a credit of at least {$8300.00} or the dispute was cancelled as I never received a letter or call that I won the dispute. During the last few weeks in XX/XX/XXXX, I have called XXXX many times and spoke with XXXX, XXXX, XXXX, XXXX, and many more. Specifically, XXXX who was to help figure out the issue with her manager and call me back. I have been transferred and hung up on. Only information I got was that the credit card services vendor has changed since then. | ||||||
| 07/21/2023 | Yes |
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| I have am a member of and have a home equity loan with Randolph Brooks FCU ( RBFCU ). My payments are due on the XXXX of the month and a late fee is added if the payment is after the XXXX. RBFCU has indicated that payments can me made on their website ( https : //www.rbfcu.org/online/login ). I made my payment on XX/XX/2023 at XXXX XXXX on their website. I received a message that the payment about be posted in 2-3 days. I have now received a statement that includes a late fee of {$37.00}. I emailed RBFCU and asked to have the late fee removed to which I was told that since the payment didn't post to the loan on/before the XXXX, it was late. I advised that I made the payment on their website and was never informed that the payment had to be posted to the loan on/before the XXXX. They refused to refund the late fee. I filed a BBB complaint. XXXX with RBFCU reached out and I again explained the situation. He said that when a consumer makes a payment on their website, it is processed via XXXX which takes 2-3 days for the transaction to happen. I explained that as a consumer, I was not privy to their processing. I as a consumer had no idea that the funds were immediately available. I explained that I have never heard of a creditor charging a late fee for a payment not being posted to a loan/account due to how the creditor processes payments. He said they will not refund the late fee. I asked why none of their websites/written info indicate that the payment must be posted to the loan on/before the XXXX or I would be charged a late fee. He said that he would let his IT dept know and see if they would add language to their https : //www.rbfcu.org/online/login that the payment is late if it's not posted to the account by the end of the grace period. | ||||||
| 08/10/2021 | Yes |
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| I have been a RBFCU customer for years now and their fee charging practices need to be looked at closely. I believe their rules to charge fees are unfair to the customer, especially when compared to other Big Financial institutions. I have given this credit union a lot of my business since the past few years and being profitable to them. I have never incurred any fees. Here is what happened We did 2 transactions at the same time one debit transaction and one credit transaction from the same account. We paid our XXXX Credit Card Bill from Checking XXXX on XXXX and the same time we moved money from RBFCU account XXXX to cover the transfer from the checking account XXXX. Now RBFCU pulled the credit card payment first and then credited the transfer when both were done the same time ( between 3 mins of each other ). That triggered 2 separate fees one on RBFCU XXXX account and another on XXXX. The first fee was the insufficient funds fee of {$24.00} that was triggered on XXXX of XXXX on XXXX because RBFCU did not credit the transfer before pulling the credit card payment it also rejected the payment on the XXXX card on the XXXX and re-applied the payment back on the XXXX card successfully on the XXXX. We reached out to RBFCU customer service explaining this scenario and their representative says they can not waive this fee as it was a valid fee and it was not an error. I believe its an error to blindside customers when we are moving funds between accounts to make payments across financial institutions and the unseen / unknown rules that are put in place by RBFCU that unnecessarily trigger fees when our intention was not to have insufficient funds in our account or deliberately incur any fees. | ||||||
| 07/28/2023 | Yes |
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| XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX to creditdisputes Hello, I have tried again and again with the XXXX XXXX XXXX and XXXX to get supposed delinquint accounts from RBFCU Removed from my credit report. About 6 years ago or so RBFCU spoke to me about ways to build my credit. I GAVE RBFCU {$10000.00} that was put on freeze and i was given a " secured loan '' of my own money that was being " paid back '' to istelf in order to build credit ( loan reference # XXXX ). A little while in, times got rough and I had RBFCU pull out of it. For some reason I have a delinquent report showing about 4-5 months worth of late payments on my credit profile .... but that does not make sense since I can't be delinquent with a fully funded account that I gave XXXX towards .... its hurting my credit and I would really appreciate it If it would be removed. There is another account ( XXXX ) during the same time frame that is also hurting my credit report, and as I closed the first aforementioned account, I did the same with this one... so it should have been closed and not trying to pull, ending in another bad report on my credit... Any help would be greatly appreciated THE ABOVE IS COPY AND PASTED FROM EMAIL I SENT TO THEM ) I have tried to dispute through the company, through XXXX XXXX and all of the credit reporting agencies as well all with no recourse. The bank is Randolph Brooks Federal Credit Union in XXXX XXXX Texas. I currently still bank there with business accounts ( Several ) as well as personal account. I have called several times for a few years and they say there is no way to speak to someone about my issue. Only through email which I have tried over and over again. | ||||||
| 03/28/2023 | Yes |
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| On XXXX XXXX XXXX I mailed RBFCU payment fulfilling the pay-off amount for my vehicle I refinanced through them. I accepted the pay-off slip they provided me with and used this as a negotiable instrument. I included instructions with my payment instructing XXXX XXXX to apply Principal balance to account # XXXX for set-off and requesting that my title be mailed to me. RBFCU failed to do so and responded with an anonymous letter on XX/XX/ stating We are unable to process the payoff you indicated. On XX/XX/, I wrote RBFCU a letter asking them to explain why they would be exempt from the following obligations outlined in the Federal Credit Union Act : ( from the Federal Credit Union Act ) 1795f. Powers of Board ( b ) Collection and settlement of checks, share drafts, etc. ; charges ; rules and regulations ( 1 ), Federal Regulations XXXX XXXX XXXX A Part XXXX Accounts evidenced by negotiable instruments, Title XXXX XXXX XXXX Part 1 1.100 Indirect general obligations, or 1.120 Prerefunded or escrowed bonds and obligations secured by Type I securities I also informed them that I was well within in my rights pursuant the Federal Credit Union Act 8 ( A ) Rights of parties to Contracts ( iii ), which makes it clear that I am not prohibited from offset, as was requested in the original instructions. I also requested validation of the debt and accounting. RBFCU still has not responded to my letter, or accepted my payment. I am claiming there is a breach of contract based on the above codes Ive included from the Federal Credit Union Act. I have enclosed a copy of my original instructions, my Second Notice and Oppportunity to Cure, and RBFCUs correspondence. | ||||||
| 09/06/2023 | Yes |
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Web | Servicemember |
| On XX/XX/2023 I made a payment to my credit card in the amount of {$19000.00} which was reflected on my XXXX billing statement. No updates were made to the credit bureaus so I filed disputes with XXXX and XXXX regarding the balance amount as it was still showing that I owed {$20000.00}. On XX/XX/2023 - I received a response from XXXX that stated RBFCU confirmed that the balance was correct and that my dispute was closed. On XX/XX/2023 - I received a response from XXXX that stated RBFCU confirmed that the balance was accurate despite me uploading a copy of my most recent XX/XX/2023 bank statement showing the accurate amount. By the looks of my reports, it doesn't appear RBFCU has provided an update to these two bureaus since XX/XX/2023, which is concerning considering that XXXX is showing correct information. Due to RBFCU 's failure to update credit bureaus in a timely manner, has caused undue hardship in trying to secure alternate financing, and as a long-term member, I can not understand why something this simple has become an ongoing issue. About a week ago I wrote in and asked this question and received a response ( that's not been removed from my account ) asking me to call in based on my question. I called member services on XX/XX/2023 and waited o ver 20 minutes to be transferred to the credit department only to be told they couldn't help me and that I could email their credit disputes email address for assistance. I simply would just like my information accurately reported in a timely manner just as it has always been on a monthly basis. I am not understanding why this time is different. | ||||||
| 10/23/2023 | Yes |
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Web | Older American |
| I received a text message from Randolfph Brooks Federal Credit Union that a transaction in the amount of {$1600.00} had been approved to clear on the morning of XX/XX/2023. I waited until the bank opened and reported that an authorized transaction had been made to my checking account in the amount of {$1600.00}. The credit union representative contacted the fraud department and she informed me that the amount was taken out by an electronic check and the credit union was unable to reverse the payment therefore I would have to file a fraud complaint. I filed the complaint and closed the checking account and opened up another one with a different account number. The RBFCU fraud department has contacted me on several occasions asking me to tell them what happened, they have required me to sign an affidavit and a police report ensuring me after all this is done the money will be returned to my account. Today is XX/XX/2023 and I just read an email from an individual by the name of XXXX XXXX informing me that the credit union will not be refunding my money because the XXXX XXXX XXXX XXXX was correct this is a civil matter and I should take it up with the local court jurisdiction. I never asked the credit union to act on my behalf as a mediator or to decide to involve themselves in my personal business matters of who, why and how I owe a creditor. I asked them to stop payment on an amount of {$1600.00} that was taken out of my account without my authorization. An unauthorized transaction is THEFT. I am unable to pay my mortgage an other bills that I am responsible for. | ||||||
| 07/20/2023 | Yes |
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| Just about every single time I go to use my credit card my bank keeps flagging it and harassing me constantly and continually to verify hundreds upon hundreds of transactions. Example for today Wednesday XX/XX/XXXX I go to my work and pick up my check for XXXX and at about XXXX when submitting my check for mobile depot, received a message says the bank has up till XXXX to verify the check. Well at exactly XXXX received the following email from ( XXXX ) my Bank : Dear XXXX XXXX XXXX XXXX Item Reference # XXXX ( $ {$9000.00} ) has been deleted from Deposit Reference # XXXX for the following reason : We are unable to accept this check for deposit at this time. Please contact us for additional information at XXXX or XXXX. Then they LOGGED ME OUT OF MY ACCOUNT AND LOCKED IT. ( Both in the App and online banking portal ) I called and was on the phone over an hour while they said looks like our system flagged it because it got the coordinates wrong ( always an excuse ) going up the chain to the head manager who then said we will mark your account with a permanent XXXX so all departs will know your proper area you are in. Well here it is XXXX I go to wholes and bam another XXXX and now how to verify a whole big list of transactions. Now this cost me even more time and money because the store closed at XXXX and I could no longer go inside. This has been going on for the last 6 months and will take this complaint up as high and wide as have to go in order for this to stop even if have to take it to the treasury department or the courthouse. | ||||||
| 01/25/2023 | Yes |
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| I have a 2nd mortgage with RBFCU. I set up my payments originally to post every two weeks with the purpose of paying off the mortgage early. I realized in 2021 this was not happening so I got on the phone with the company and they took all the payment and reposted them as principal payments. They also indicated that going forward they would not take any payments as payments for the next payment due but would post them directly to principal. They also advised that I need to change from a bi-weekly cadence to a semi-monthly since that is the only way the system would pick up the payment to be applied accurately. This scenario has happened multiple times since then and I always have to call and have them update this. My concerns are : 1. when they reapply the payment I dont have a way of knowing how the interest that I would have saved is being impacted and I think this process is unfair and deceptive 2. Its labor intensive on my end to have to keep calling for them to perform the servicing of the loan appropriately 3. By far one of the most concerning any customer who is not aware to check and confirm that the processes that they have set up to assist them in getting out of debt quicker are working they could be paying extra interest and are not aware. The servicer should have appropriate processes in place to ensure they are treating customers fairly and are not unduly gaining interest that they should not be. Thanks. | ||||||
| 09/15/2021 | Yes |
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| A RBFCU MasterCard Credit card was opened in my name fraudulently by an RBFCU employee. I applied for a vehicle loan through RBFCU, was approved, only to find out a couple days later that an RBFCU employee in the consumer lending department fraudulently opened a credit card in my name without my approval or authorization using the same credit inquiry for my vehicle loan. After trying to work it out with RBFCU, I was met with a lot of hostility, specifically from a supervisor named XXXX. After listening and confirming that I did not approve the credit card on the call, she then began to foolishly ascertain that it was not fraud and that she was not going to report it. She left it in my court to resolve this serious illegal act perpetrated by RBFCU 's own employee. Once I knew she wasn't taking this seriously, I reminded her that I had to report this incident to the FTC/CFPB, she then backtracked. I had to read her a definition of fraud/identity theft and explain to her that he has my personal information, including my SSN, and this may not be the end to the fraud. Rather than protect an RBFCU member ( me ) who was a victim of fraud by their own employee, she had clear intentions to protect the employee rather than me by not disclosing his name for me to file a proper fraud report. Overall terrible experience. I didn't expect to be met with such disregard towards a long-standing member who simply wanted a valid resolve. | ||||||
| 05/24/2021 | Yes |
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Web | Servicemember |
| Do to being part of the XXXX hack a few years ago I purchased credit monitoring through XXXX XXXX XXXX part of XXXX XXXX. During a recent refinance of vehicles Randolph Brooks Federal Credit Union ( RBFCU ), where I have been a member for over 20 years financing and paying off vehicles, homes, and other loans, obtained a credit report from XXXX. That report stated that my credit score was XXXX and resulted in the interest being raised a full percentage point over what was originally offered. I immediately went on the XXXX XXXX website because I receive email alerts anytime there is a change to my credit score. I had not received an such email. The website stated that my credit score was XXXX and that had been the score on a chart for the last year. I then used a tool to update my credit score and it increased to XXXX. I also followed up with a phone call ( ridiculously hard to get through and the person I spoke to is XXXX, so was the supervisor I spoke to. I repeatedly asked to speak to someone in the United States and got denied. ) They did confirm that my credit score was XXXX but that there were different models use to determine scores and that I would need to talk to RBFCU about the model used. I contacted RBFCU, actually a person in XXXX XXXX working from home, they told me they were unable to answer that question, why my rate changed or what my credit score was. | ||||||
| 12/15/2021 | Yes |
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Web | Older American |
| I stopped using my credit card after paying it off several years ago. Recently a fraud appeared on my debit card, the bank provided provisional funds while they investigate, and I can use the money in the meantime. Not an often occurence. They stop all activity on the account until I get a new card in the mail and activate it. This time however my prescription came in at XXXX. I didn't have cash so I used my old charge card. A few days later I called the bank to ask how much I owed. In addition to the XXXX for the prescription I had made another 1 or 2 small purchases under {$10.00} on XXXX. I wanted to pay it off immediately. To my surprise it was XXXX. I explained that I didn't make any purchases that large and wanted to dispute the charges. I couldn't. Not only would I have to pay the minimum due for months while the process ran through, but I would have to pay a late fee as well. I explained that I was on a fixed income of {$820.00} per month, on food stamps, medicaid and TX pays my Medicare. I can't afford to pay someone else else 's debt in that amount over time. Because of my slender means it may of necessity be late because I don't have the money. That's why I never used that card after paying it off several years ago. | ||||||
| 03/27/2022 | Yes |
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| Dear CFPB and XXXX, On XXXX XXXX and XXXX XXXX, I performed a balance transfer through the RBFCU online in which I saw a promo offer of 0 % balance transfer. I understood that RBFCU was offering a balance transfer of 0 % in which there is no charge for the balance transfer and the transfer will be subject to the normal billing grace period. During the transfer, I did click on the terms and no where in the offer or terms which states that the balance will be subject to interest before the normal billing or grace period. It is normal that other financial institute display terms and conditions before you can click submit. In the RBFCU process, there was none such display of terms and conditions. So, when I submitted my balance transfer, I expected that no interest or balance transfer charge will occur. Instead I was charged an interest very shortly after my balance transfer as my billing statement closed on XXXX XXXX. As part of my complain, I enclosed screenshot of the RBFCU balance transfer process vs. XXXX XXXX. the XXXX XXXX clearly shows and make a customer aware of the rate and how to avoid interest charge. While the XXXX clearly lacks it and therefore, falsely mislead a customer. This is not acceptable. Thank you. | ||||||
| 05/02/2022 | Yes |
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Web | Servicemember |
| I submitted a dispute in writing to RBFCU on XX/XX/16. I have not received a follow up to the dispute and contacted them via phone to discuss and have not been told anything. I called again today to see if they would reverse late fees on my account since I don't feel as if I was properly notified of the status of my account and that I believed an error in auto draft settings caused the issue. The RBFCU agent advised that they are not liable for system issues since I was auto-drafting from another bank and that they don't recommend auto-draft. I should be able to trust that banks will err on the consumer side when these issues arise. I also sent my dispute in writing and was told I had to send it through another method for it to be addressed instead of them forwarding the message along. This caused additional delays in getting this issue resolved. I believe RBFCU corporate is intentionally refraining from notifying customers of accounts with auto-pay issues because they profit from the late fees. Then they make the phone reps tell customers the company has no ability to manage the auto pay for the accounts they manage. | ||||||
| 04/21/2023 | Yes |
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| I was offered 11.95 % at the the time of application. They generally honored it until recently. Late in XXXX I was bullied by feeling over pressured by a representative by the company asking my permission to increase rates. I politely said " no '' by explanation that I was offered the rate and it was why I applied. She mentioned something about don't I want to increase my limit. I said I haven't applied for it because of the threat of the increase in rates. She asked again. I politely explained " no '' in a certain way. She rebuttaled another thing ... This is upsetting because someone told me she broke the law by continuing to ask but I have a XXXX XXXX and it was not explained to me that I have a choice. My rate should be lower. I still have the same limit. The limit isn't the problem. It is the interest rate. I will now stress myself out to pay it off each month if it gets high when as before I would just be willing to pay it. I don't deserve this. I haven't been charged interest on the new rate but as it stands I don't intend to... | ||||||
| 08/01/2023 | Yes |
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Web | Servicemember |
| I received a phone call last year asking me questions about my business credit card saying they were from the credit union. I had previously noticed announcements about spoofing attempts with RBFCU. I called the customer service number at XXXX. The representative told me not to answer any questions from that number that called ( XXXX ) as it was fraudulent. Fast forward several months and my business card was closed because I didnt respond to their upgrade request. Im now unable to pay it via the app. They also occasionally send paper statements but not with the full account number so Im unable to pay electronically. I asked them to give me the full number but they refused or kept referring me to my personal account. I have to call in every month and wait an average of 25 minutes for a special payment department to locate this closed account or I have to snail mail a payment if I do get the statement in a timely manner via postal mail. I am being severely inconvenienced due to misinformation from the credit union representative. | ||||||
| 06/22/2022 | Yes |
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| 3 nsf fees on XX/XX/XXXXXXXX XXXX XXXXXXXX. due to a {$10.00} retry payment 2 nsf fees on XX/XX/XXXX XXXX XXXXXXXX. due to a {$10.00} retry payment 1 nsf fees on XX/XX/XXXX XXXX XXXXXXXX. due to a fraudulent charge and they wouldnt let me dispute it. This bank refuses to work with us despite current financial difficulties due to my spouses employer refusing to pay due to the business being out of money. I tried to explain our situation and requested they work with us. They stated unless its a merchant or credit union error they will not work with us. I reviewed their user agreement and this is not listed anywhere. All that is listed is : What fees will I be charged if XXXX pays my overdrafts? No fees are associated with the transferring funds from savings or XXXX. For each Courtesy Pay transaction, there is a fee charged per transaction. There is no limit on the total fees we can charge you for overdrawing your account. In the past few months they have stolen hundreds of dollars in fees from our account. | ||||||
| 06/10/2022 | Yes |
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| I opened up a checking account with XXXX bank on XXXX XXXX and a joint bank account on XXXX XXXX and money was withdrawn of out my account through XXXX from XXXX I don't have a XXXX account and never open one. When I found out that my money was missing it was around XXXX XXXX, I contacted the bank and reported it to the fraud department. As of XXXX XXXX, I received a letter from Randolph Books Federal Credit Union ( RBFCU ) showing that someone opened a checking and saving account in my name and called the RBFCU credit union and I reported this as fraud, the account was overdrawn by $ XXXX. That's how I found out about this account because it is being turned over to XXXX systems this is not my account. Once I discovered this was not my account, I immediately called RBFCU. I spoke with XXXX, and she told me that someone had opened a checking and saving account and applied for a loan. I filed with XXXX XXXX Police Department, and they advised me to file a complaint with you. Sincerely, XXXX XXXX | ||||||
| 08/22/2021 | Yes |
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| 1. The mortgage company did not disclose to me that PMI was for the life of the loan And I purchased the house. I was told that when my ratio got down to 80 % I could have the PMI removed. Now theyre telling me that the PMI is for the life of the loan. 2. Every year, when its time to pay my flood insurance and home insurance the mortgage company makes an incompetent mistake. Ive been promised over and over that they will fix a mistake and never make it again, but the mistakes reappear every year. They either pay the flood insurance twice and do not pay the home insurance. Or they pay the home insurance twice and do not pay the flood insurance. This year they paid the home insurance and pay the flood insurance, but then send a second check for the flood payment which was returned to me by the insurance company. Their incompetence is incredibly frustrating. I do not have time to double check them constantly.They should handle things correctly and in a timely manner. | ||||||
| 10/14/2021 | Yes |
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Web | Older American, Servicemember |
| On XX/XX/2021 we purchased a car from XXXX in XXXX. Then on XX/XX/2021 we went to Randolph Brooks Federal Credit Union ( RBFCU ) to refinance the loan. Now two months later, RBFCU has never paid off the XXXX loan. Both XXXX and RBFCU hold an open loan on the same car & both demand car payments from us for the same car! ( yes, in order to protect our credit, we have made car payments to both XXXX RBFCU! ) Neither XXXX nor RBFCU will resolve the situation ; both blame the other for keeping their loan active. Then last night RBFCU called and told us they were backing out of the loan because they had processed the wrong kind of loan ( new car loan rather than refinance loan ). However, today they will not close the loan until they get a close letter from XXXX nor will they refund the car payment we made to them on XX/XX/2021 in the amount of {$560.00}. So were back in the middle between XXXX and RBFCU. How can both require us to make payments on the same car?!!? | ||||||
| 12/30/2022 | Yes |
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| XXXX XXXX I deposited a XXXX check for XXXX and the ATM stated we are unable to process the check submitted. It kept the check and my debit card. After several attempts to get the machine to give me back both items failed, I went inside to customer service I attempted to explain but was met with unprofessionalism and rude personnel, which cause me to lose my composure and become irate after being advised the check could be a stolen. I've banked with Randolph Brooks Federal Credit Union for 10 years. I've never wrote a bad check over drafted my account maintain an average of XXXX. - XXXX in my account. They're response was shrugging and rolling their eyes. I demanded my entire account funds and was told to come back for the check funds. I Called customer services and again was told the only reason that could happen is if the check is fake. i called back this week XX/XX/27 and the check was deposited. IT WAS NOT STOLEN AS THEY ACCUSED ME OF!!!!! | ||||||
| 07/13/2021 | Yes |
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| I bank with Randolph brooks. My XXXX year old son is on my account to deposit his payroll Checks. In XX/XX/XXXX he mobile deposited a check for XXXX $ XX/XX/XXXX at XXXX XX/XX/XXXX. He then deposited the same check on XX/XX/XXXX. The bank successfully cashed his check. A week later XX/XX/XXXX. The check was returned insufficient. Hello he had already cashed this check. How they did not catch this that day is beyond me. Randolph brooks then takes the XXXX $ out of MY account along with a XXXX $ check fee. Depleting my savings. They refuse to refund my money although this carelessness was completely on them. Im now without bill money for the month. Because of their mistake. I put my trust in this bank, and they completely mishandled my funds. Keep in mind my son does not even have identification. But was able to walk into the bank and cash the check that had already been cashed. He also had a XXXX balance in his account at time if transaction. | ||||||
| 10/02/2022 | Yes |
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| Hello CFPB and thank you for the assistance. Randolph Brooks Federal Credit Union or RBFCU has done a poor job managing my card, and an even poorer job responding to my requests for help. I had XXXX credit card with RBFCU, and because I didnt use it at XXXX point for quite some time, they understandably closed it. I had no problem with this, and when my card was used again, they reopened the account which was fine too. What my issue is, is that this happened about XXXX more times ( and deactivation occurring XXXX times as quickly as any other account Ive ever had, for no usage ). Each time, they reported this closure as a new account closure to the credit bureaus. It now appears that I have XXXX closed accounts, which I believe is adversely affecting my credit score. I asked for help and they told me to contact the credit bureaus, and the credit bureaus told me to contact RBFCU. | ||||||
| 06/12/2023 | Yes |
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| They at XXXX XXXX never came to make a move I needed and when I asked to refund what I paid them they refused to do it. So I tried to get my back to return and they would not saying I would have to go through the civil court in the state they are based out of. I then decided to file a report with Federal Trade Commission and upon sending them the complaint against XXXX XXXX and the other company also based in Florida, XXXX XXXX XXXX XXXX as they seemed to both have collaborated against me to keep my property in Illinois where I tried to relocate from while making me all the more financially stressed, FTC recommended I stop payment or get funds put back into my account through my institution and if they will not help then I should file a complaint against my bank. So here I am. | ||||||
| 06/01/2021 | Yes |
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| I was in correspondence with someone I believed to be the owner of the rental property. Due to Covid they were not willing to meet in person but it seemed like I was talking to the owner. I submitted a security deposit of {$1000.00} on XX/XX/2021 and it went through XX/XX/2021. It was done electronically from RBFCU to XXXX XXXX XXXX. They requested more money before signing a lease. I was able to find the true owners phone number and gave them a call, to find out someone was using their name and rental property to scam people. I contacted local authorities for a case, submitted a report on reportfraud.ftc.gov, and contacted my bank which stated they could not do anything, and contacted the bank the money was sent to which stated they need my bank to contact them. | ||||||
| 10/03/2023 | Yes |
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| Unauthorized charges made not by me. My bank decline the claim They say because I turned in items that were me, there were over XXXX or more that was not me at all. Those are the ones I want payed for, the others were mistakes because the day I started the claim I was uncertain on what was me, and not me because of how everything reads on the online platform it does not say names it says, addresses, and abbreviated words. It was very hard to decipher, I spoke to over XXXX to XXXX agents to were nice and kind and were trying to help the other XXXX were very condescending and asking XXXX questions. If you dont pass the question test and answer XXXX of them wrong they denied the claim, the amount is {$4600.00} not counting insufficient funds in late fee charges | ||||||
| 09/12/2022 | Yes |
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| I applied for Texas XXXX XXXX XXXX and was told that I meet all the requirements for them to pay my past due amount plus three additional months. They have reviewed my application and the only thing they need in order to approve me for the funds is for my mortgage servicer to register with the XXXX program. My mortgage servicer is Randolph Brooks Federal Credit Union and they admitted to me that several customers have been denied funds because RBFCU has not registered to participate in the program. RBFCU will only tell me that upper management and their legal department are looking into, but they can't guarantee that they will participate or give me an ETA on how long it will take for them to decide. In the meantime, I am still at risk of foreclosure. | ||||||
| 08/19/2023 | Yes |
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| I deposited XXXX $ into RBFCU atm, ATM indicated a technical error had happened and the money I put in can not be returned I was then provided a ticket with stated I deposited XXXX and the ATM malfunctioned the next day I took that ticket to the bank and they said they would investigate it and it may take up to 10 days, after a few days I received XXXX $ in my account and I called and they said case closed I demanded they opened up another investigation they did so I then waited another 10 days ( 2 weeks since I deposited now! ) and nothing I called and they said case was closed thats it and theres nothing they can do the bank literally robbed me XXXX $ + dollars and they say theres nothing I can do! RBFCU literally commited theft. | ||||||
| 10/25/2021 | Yes |
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| I received a letters in the mail from the banks RBFCU and XXXX XXXX. I received both of them XX/XX/XXXX. RBFCU is a bank that I have never used and it was telling me that I opened an account under my name and even sent me a card. And when I tried to go and close it because I needed a police report. And when I got the report from the police they just told me that they will send it to the fraud but I have yet to hear from them. On the other hand, XXXX XXXX also sent me a letter as well but that letter said that someone tried opening an account but were unsuccessful due to not enough information. And I believe the reason for all of this is because they broke in to our neighborhood mailboxes and stole mine and other peoples mails. | ||||||
| 07/15/2022 | Yes |
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| XX/XX/2022, there were unauthorized transaction in our RBFCU XXXX Checking account for the amount of {$800.00}, which I noticed next week. I reported that next week stating that I have not provided my account information to the merchant who charged our account. I also requested for the fraud claim for {$800.00}. The bank informed me that they can not refund the fraud claim because I supposed to inform them with in two days of the transaction. I did not provide my account information to the merchant. I requested for the complete information about the merchant, which RBFCU did not provide. Our personnel identification was misused by the organization, which gave access to the merchant to withdraw our fund without consent. | ||||||
| 04/28/2023 | Yes |
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| A joint check in the amount of {$23000.00} was issued by XXXX XXXX to me and my ex-husband ( in between the two names, there is " & '' ) on XX/XX/2023. The check was deposited without my consent/signature into my ex-husband account at Randolph brooks federal credit union XXXX XXXX XXXX XXXX XXXX XXXX, TX on XX/XX/2023. A copy of the cleared check shows that the check was signed only by my ex-husband and on the second signature line, it is clearly written " For XXXX ''. The check should not have been accepted by RBFCU and also rejected by the check issuer since it is not properly endorsed. I would like the RBFCU reverse cashed check, so I can claim my share on the check amount. | ||||||
| 01/01/2022 | No |
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Web | Servicemember |
| My grandma has an account at rbfcu and made an acct for me there but refuses to give me my card or information for the account she made without my permission. I only know she made an acct in my name because she had given me my account number at one point in time and told me it was in my name but I can't find my account number anymore so I think they'd be able to go by my name? XXXX XXXX XXXX, dob-XXXX, also I have a trust there as well that she says I have no access to but I've seen paperwork on this inheritance account as well. What are my rights to this and am I able to get my account info and card if the account still does exist? | ||||||
| 02/02/2023 | Yes |
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Web | |
| There is an auto loan in collections on my credit for a XXXX XXXX XXXX financed with Randolph brooks federal credit Union. In XXXX I traded the XXXXXXXX XXXX in for a XXXX XXXXXXXX XXXX through a dealership called limitless auto group. I have my trade in paper work showing I traded the car in. I am not liable for this account anymore and idk why it is on my credit. Ive tried multiple times to dispute this account with XXXX but my dispute gets look over and nothing is done about it as it is still on my credit after being submitted and review and having been ruled against even after providing proof of my trade in paperwork. | ||||||
| 04/14/2023 | Yes |
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Web | |
| No online access to my accounts at Randolph Brooks Federal Credit Union. They have a message on their website ( attachment ) ; I called the number and extension that they provided for online issues and no one will answer. No one can help : The state of Texas said it is a Federal Credit Union and they can not help National CUA said they can not help because the credit unions size is over XXXX XXXX. CFPB could not offer me any assurances over the phone except they would contact the National CUA ; so this is a failed loop. Please can someone take responsibility? | ||||||
| 11/09/2023 | Yes |
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Web | |
| This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior | ||||||
| 09/20/2022 | Yes |
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Web | Older American |
| On XX/XX/2019 I filed a police report ( # XXXX XXXX ) with XXXX XXXX XXXXXXXX XXXX XXXX ) regarding a wire transfer in the amount of {$26000.00} for a purchase of a house through XXXX XXXX / Randolph Brooks Federal Credit Union. The wire transfer appears to have gone to a fraudulent account. XXXX XXXX instructed me to contact the XXXX Fraud Department. Eventually I was able to only recoup approximately {$1500.00} after my wife, who has since passed away, was the looking into the lost funds. I was able to locate the original XXXX report ( attached ). | ||||||
| 01/12/2022 | Yes |
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Web | |
| XXXX has false information on my report that I have fairly attempted to resolve with them and been unable to do so. There is a blatantly false and misleading entry stating that I wrote bad checks on an account for RBFCU ( an account that was shut down during bankruptcy while checks were outstanding ), and this did not happen. Their investigation took the company at its word and did not properly investigate this false allegation. XXXX has wrongly claimed to have verified the information leaving me with no available remedies | ||||||
| 05/22/2023 | Yes |
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Web | |
| In accordance with the fair credit reporting act RBFCU has violated my rights. 15 USC 1681 section 602 states that 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 n ot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thank you and please let me keep me updated on the complaint outcome. | ||||||
| 05/17/2022 | Yes |
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Web | |
| In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Would like a remove of late charge. | ||||||
| 07/15/2021 | Yes |
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Web | |
| Accounts where open without my knowledge, which let me be responsible for paying back, I have been disputing these items for 2 years now I have send FTC reports, police reports but they have yet to removed. Also a few companies removed it from the bureaus for a few months and then put back on which is a violation of my rights. Accounts are closed but are revolving on my reports. XXXX XX/XX/XXXX ( {$940.00} ) XX/XX/XXXX {$1200.00} XXXX XX/XX/XXXX XX/XX/XXXX | ||||||
| 11/29/2023 | Yes |
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Web | |
| This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. | ||||||
| 05/04/2023 | Yes |
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Web | |
| RBFCU migrated their credit cards to a new card and card servicing platform. My prior statements to the migration are not available on the new platform. They did not disclose in the card migration information sent out that my old statements would not be able. If they had I would have downloaded them prior to the migration. Only statements post migration are available online. I have spoken with their customer service several times resulting in no action. | ||||||
| 07/20/2023 | Yes |
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Web | |
| In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 6 o 4 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. | ||||||
| 10/11/2022 | Yes |
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Web | |
| XX/XX/2021 on this date company opened a collection Account number XXXX {$24000.00} that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus. XXXX XXXX | ||||||
| 08/28/2023 | Yes |
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Web | |
| I waited for the IRS to deposit stimulus payments by direct deposit into my account and they did not arrive after months of waiting for them. When I asked for bank statements they refused to give them to me. My CPA advised me today that the payments were deposited to my account with RBFCU XXXX which was the financial institution that I was using at that time and that was several years ago. I did not receive the payments. | ||||||
| 11/21/2022 | Yes |
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Web | |
| Rbfcu keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report. | ||||||
| 02/19/2022 | Yes |
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Web | |
| I have not driven a car in XXXX months due to the unfortunate situation in life I was denied a vehicle loan from my bank XXXX. I have XXXX kids and I have a job so daily they need to go to school and I need to go to work, its a struggle. I asked for a used vehicle loan XXXX months ago to be honest I hate do not know why I was denied. If I can get any help if possible I would greatly appreciate it thank you!!!! | ||||||
| 11/17/2022 | Yes |
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Web | |
| RBFCU refuses to release the title after I paid in full the vehicle loan. They are required to do so within 10 days of pay off. XXXX said what they are doing is against Texas state law. Their reason is because of debt owed on a different account by the co borrower which is not my debt at all. I have legal documents of our divorce decree that states that the title is solely mine and not the co borrowers. | ||||||
| 09/15/2021 | Yes |
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Web | |
| RBFCU - Randolph Brooks Federal Credit Union- opened an account in my name, without permission. They included a minimum deposit amount, {$1.00}, in order to keep the account open and spam me with account statements and upsell marketing documents. I have major concerns about my information privacy and identity security if any bank can open an account without permission. | ||||||
| 05/22/2022 | Yes |
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Web | |
| On XX/XX/22, XXXX PM, received the following text from phone # XXXX : RBFCU : We Have Declined A Few Charges At XXXX For An Amount Of {$130.00} Please Visit Us Here To Review Any Transactions Made : XXXX XXXX XXXX XXXX XXXX I do not have an account with Randolph Brooks Federal Credit Union XXXX and 2 ) I have not purchased anything from XXXX in over 6 months. | ||||||
| 09/19/2023 | Yes |
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Web | |
| RBFCU in Texas is keeping the life savings of veterans! By making internal XXXX process to jump through to receive funds that are already yours. Is there anyone who can help us with this supposed lending & savings institution and getting our fathers life savings back? XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX | ||||||
| 12/09/2021 | Yes |
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Web | |
| Hi, I had a dealership offer to purchase the vehicle at {$17000.00} whole the loan is at {$15000.00}. I am requesting reconsideration to allow the dealership to purchase this loan if not RBFCU will loose money if sent to auction and receives less than what is owed of not less than what the vehicle is worth. | ||||||
| 03/30/2022 | Yes |
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Web | Older American, Servicemember |
| Every day sometimes twice a day..Randolph Brooks Federal Credit Union..is leaving voice mails to call them back..I have blocked them on my phone but they still get through and leave a message..they are harassing me..Please get.them to stop or I will have to change my phone number..Thank you! | ||||||
| 02/11/2023 | Yes |
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Web | |
| Yes I do have overdraft fees at my bank RBFCU but they are charging me XXXX every time I turn around d even when they don't pay for the transaction. I'm on a fixed income and I only get XXXX a month and this month alone I already have over XXXX in overdraft fees alone. This is not fair. | ||||||
| 03/08/2022 | Yes |
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Web | Servicemember |
| Multiple disputes with XXXX and XXXX regarding an account that is no longer held by the reporting Organization ( XXXX ). Account paid to a third party once discovered, XXXX XXXX XXXX. Submitted disputes with the receipt from XXXX XXXX XXXX. | ||||||
| 08/11/2023 | Yes |
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Web | |
| I had a wire transfer from my savings account at RBFCU to XXXX XXXX for a down payment deposit and realized 2 days later that its a fraudulent email and account. My back said since I authorize, I can not file a fraudulent claim with them. | ||||||
| 06/15/2022 | Yes |
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Web | Servicemember |
| I only have one checking account. My checking account is with XXXX XXXX in XXXX XXXX Texas. I do not have a joint account with anyone. I have a single savings account. I have a single checking account. | ||||||
| 06/15/2023 | Yes |
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Web | |
| 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. | ||||||
| 06/05/2021 | Yes |
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Web | |
| The bank is claiming there was a fraudulent and scam check in my account, I do not hold any responsibility about this money. | ||||||
| 11/04/2022 | Yes |
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Web | |
| I didnt finalize a used car loan never got the car yet the loan shows on my report as a closed XXXX XXXX old account. | ||||||
| 01/23/2024 | Yes |
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Web | |
| 01/18/2024 | Yes |
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Phone | Older American |
| 01/18/2024 | Yes |
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Web | |
| 01/11/2024 | Yes |
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Web | |
| 01/11/2024 | Yes |
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Referral | Older American |
| 01/10/2024 | Yes |
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Referral | |
| 01/09/2024 | Yes |
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Web | Older American |
| 01/05/2024 | Yes |
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Postal mail | |
| 01/03/2024 | Yes |
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Web | |
| 12/26/2023 | Yes |
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Web | Servicemember |
| 12/26/2023 | Yes |
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Web | Servicemember |
| 12/26/2023 | Yes |
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Web | |
| 12/22/2023 | Yes |
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Web | |
| 12/21/2023 | Yes |
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Web | |
| 12/20/2023 | Yes |
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Web | |
| 11/27/2023 | Yes |
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Referral | |
| 11/17/2023 | Yes |
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Web | |
| 11/13/2023 | Yes |
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Phone | |
| 11/09/2023 | Yes |
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Referral | |
| 10/24/2023 | Yes |
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Referral | |
| 10/17/2023 | Yes |
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Phone | |
| 10/03/2023 | Yes |
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Web | |
| 09/21/2023 | Yes |
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Referral | |
| 09/21/2023 | Yes |
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Web | Older American |
| 09/18/2023 | Yes |
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Web | Servicemember |
| 09/16/2023 | Yes |
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Web | |
| 09/12/2023 | Yes |
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Referral | |
| 09/11/2023 | Yes |
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Referral | |
| 09/08/2023 | Yes |
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Referral | |
| 08/25/2023 | Yes |
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Web | |
| 08/19/2023 | Yes |
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Web | |
| 08/15/2023 | Yes |
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Web | |
| 08/11/2023 | Yes |
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Referral | |
| 08/10/2023 | Yes |
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Web | |
| 08/08/2023 | Yes |
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Web | |
| 08/02/2023 | Yes |
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Referral | |
| 07/27/2023 | Yes |
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Phone | Older American |
| 07/26/2023 | Yes |
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Referral | |
| 07/25/2023 | Yes |
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Referral | Servicemember |
| 07/25/2023 | Yes |
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Referral | |
| 07/19/2023 | Yes |
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Referral | |
| 07/10/2023 | Yes |
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Phone | |
| 07/05/2023 | Yes |
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Web | |
| 07/05/2023 | Yes |
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Referral | |
| 07/05/2023 | Yes |
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Referral | |
| 07/03/2023 | Yes |
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Referral | |
| 06/27/2023 | Yes |
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Web | |
| 06/20/2023 | Yes |
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Referral | |
| 06/15/2023 | Yes |
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Phone | Servicemember |
| 06/14/2023 | Yes |
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Web | |
| 06/14/2023 | Yes |
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Referral | |
| 06/06/2023 | Yes |
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Web | Servicemember |
| 05/16/2023 | Yes |
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Web | |
| 05/10/2023 | Yes |
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Referral | |
| 05/09/2023 | Yes |
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Referral | |
| 05/09/2023 | Yes |
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Referral | |
| 05/04/2023 | Yes |
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Web | |
| 04/19/2023 | Yes |
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Referral | |
| 04/19/2023 | Yes |
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Referral | |
| 04/18/2023 | Yes |
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Referral | |
| 04/18/2023 | Yes |
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Referral | |
| 04/17/2023 | Yes |
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Web | |
| 03/30/2023 | Yes |
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Referral | |
| 03/27/2023 | Yes |
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Web | |
| 03/16/2023 | Yes |
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Web | |
| 03/10/2023 | Yes |
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Phone | |
| 03/02/2023 | Yes |
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Referral | |
| 03/01/2023 | Yes |
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Phone | |
| 03/01/2023 | Yes |
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Web | |
| 02/28/2023 | Yes |
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Web | |
| 02/22/2023 | Yes |
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Phone | |
| 02/14/2023 | Yes |
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Referral | |
| 02/08/2023 | Yes |
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Phone | |
| 02/08/2023 | Yes |
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Referral | |
| 02/08/2023 | Yes |
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Referral | Older American |
| 02/02/2023 | Yes |
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Referral | |
| 01/30/2023 | Yes |
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Referral | |
| 01/25/2023 | Yes |
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Referral | |
| 01/17/2023 | Yes |
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Referral | |
| 12/22/2022 | Yes |
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Postal mail | |
| 12/15/2022 | Yes |
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Phone | Older American, Servicemember |
| 12/02/2022 | Yes |
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Web | |
| 12/02/2022 | Yes |
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Referral | |
| 12/02/2022 | Yes |
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Referral | Servicemember |
| 11/30/2022 | Yes |
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Referral | |
| 11/28/2022 | Yes |
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Phone | Servicemember |
| 11/09/2022 | Yes |
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Referral | |
| 11/04/2022 | Yes |
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Referral | |
| 10/25/2022 | Yes |
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Referral | |
| 10/19/2022 | Yes |
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Web | |
| 10/12/2022 | Yes |
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Web | |
| 09/28/2022 | Yes |
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Referral | |
| 09/26/2022 | Yes |
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Phone | |
| 09/26/2022 | Yes |
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Phone | |
| 09/23/2022 | Yes |
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Phone | Servicemember |
| 09/23/2022 | Yes |
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Web | |
| 09/12/2022 | Yes |
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Phone | Older American, Servicemember |
| 08/26/2022 | Yes |
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Referral | |
| 08/23/2022 | Yes |
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Referral | |
| 08/23/2022 | Yes |
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Referral | |
| 08/22/2022 | Yes |
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Referral | |
| 08/16/2022 | Yes |
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Referral | |
| 07/20/2022 | Yes |
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Referral | |
| 07/20/2022 | Yes |
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Referral | |
| 07/18/2022 | Yes |
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Referral | |
| 07/06/2022 | Yes |
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Referral | |
| 06/23/2022 | Yes |
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Phone | Older American, Servicemember |
| 06/15/2022 | Yes |
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Web | |
| 06/15/2022 | Yes |
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Web | |
| 06/13/2022 | Yes |
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Web | |
| 06/12/2022 | Yes |
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Web | |
| 06/02/2022 | Yes |
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Referral | |
| 05/25/2022 | Yes |
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Referral | |
| 05/03/2022 | Yes |
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Referral | |
| 04/25/2022 | Yes |
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Phone | |
| 04/24/2022 | Yes |
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Web | |
| 04/22/2022 | Yes |
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Web | |
| 03/18/2022 | Yes |
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Referral | |
| 03/10/2022 | Yes |
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Phone | |
| 03/07/2022 | Yes |
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Web | |
| 03/07/2022 | Yes |
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Referral | |
| 03/03/2022 | Yes |
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Web | |
| 03/03/2022 | Yes |
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Referral | |
| 02/22/2022 | Yes |
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Referral | |
| 02/17/2022 | Yes |
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Web | |
| 02/16/2022 | Yes |
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Referral | |
| 02/03/2022 | Yes |
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Web | |
| 12/23/2021 | Yes |
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Referral | |
| 12/22/2021 | Yes |
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Referral | |
| 12/02/2021 | Yes |
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Referral | |
| 12/01/2021 | Yes |
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Referral | |
| 11/16/2021 | Yes |
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Referral | |
| 11/11/2021 | Yes |
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Web | |
| 11/04/2021 | Yes |
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Web | |
| 10/21/2021 | Yes |
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Referral | |
| 10/19/2021 | Yes |
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Referral | |
| 10/18/2021 | Yes |
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Web | |
| 10/01/2021 | Yes |
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Referral | |
| 09/15/2021 | Yes |
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Referral | |
| 09/15/2021 | Yes |
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Referral | |
| 09/08/2021 | Yes |
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Web | |
| 09/08/2021 | Yes |
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Referral | |
| 09/06/2021 | Yes |
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Web | |
| 08/27/2021 | Yes |
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Web | |
| 08/24/2021 | Yes |
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Referral | |
| 08/19/2021 | Yes |
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Phone | |
| 08/19/2021 | Yes |
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Referral | |
| 08/11/2021 | Yes |
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Web | |
| 08/11/2021 | Yes |
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Referral | |
| 08/06/2021 | Yes |
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Referral | |
| 08/04/2021 | Yes |
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Referral | |
| 07/14/2021 | Yes |
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Web | |
| 07/14/2021 | Yes |
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Web | |
| 06/25/2021 | Yes |
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Referral | |
| 06/23/2021 | Yes |
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Phone | |
| 06/04/2021 | Yes |
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Web | |
| 06/03/2021 | Yes |
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Web | |
| 06/03/2021 | Yes |
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Referral | |
| 05/26/2021 | Yes |
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Referral | |
| 05/20/2021 | Yes |
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Web | |
| 05/16/2021 | Yes |
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Web | |
| 05/12/2021 | Yes |
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Referral | |
| 05/06/2021 | Yes |
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Referral | |
| 05/06/2021 | Yes |
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Referral | |
| 05/06/2021 | Yes |
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Referral | |
| 05/03/2021 | Yes |
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Referral | |
| 04/27/2021 | Yes |
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Web | |
| 04/20/2021 | Yes |
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Referral | |
| 04/17/2021 | Yes |
|
|
|
Web | |
| 04/01/2021 | Yes |
|
|
|
Web | |
| 03/30/2021 | Yes |
|
|
|
Referral | |
| 03/22/2021 | Yes |
|
|
|
Web | Servicemember |