SAN DIEGO COUNTY CREDIT UNION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/07/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	CA 92108	Web
This is to complain against the San Diego County Credit Union ( SDCCU ). URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I wish to practice my right as a customer of SDCCU to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with SDCCU. In order to clear up the myriad of letters and correspondences I have hitherto sent to SDCCU respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of SDCCU to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money, and are a financial institution that maintains a traditional relationship and way of working with its customers. During the complaints process with SDCCU, I found their communication ineffective, which further hides their conduct to management and diminishes the service offered to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem that they choose to manage in a way that is not in line with the rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. General Obligation : Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by Ice Investments which involved me making deposits for a total amount of XXXX XXXX from my SDCCU account to these fraudulent investment companies. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following : ( i ) whether SDCCU did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of SDCCUs custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that duty was breached ; ( iii ) whether SDCCU promoted the transactions in question despite being aware of the nature of the transactions in question ( iv ) whether SDCCU was in compliance with its own policies and procedures ; ( v ) whether SDCCU owed duties to me, what the scope of those duties was, and whether SDCCU did not uphold those duties ; ( vi ) whether SDCCUs conduct was unfair ; and ( vii ) whether SDCCU has within its power the ability to, and should, compensate me for the harm that has befallen me. Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent organization. In this case, this means that the payment service provider should not turn a XXXXXXXX XXXX to known facts pointing to a real possibility that their customer is being scammed. In other words, SDCCU must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that SDCCU did not foresee the fraud and disregarded even the most obvious dangers in this respect. Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learned from the errors of the past. SDCCUs Position : On XX/XX/2022, SDCCU wrote in a letter as your financial institutions we sent the funds at your request and as you specifically authorized to the beneficiaries you provided. Refuting SDCCUs arguments from a purely logical perspective : SDCCUs position is that the features of the situation at hand do not generate a genuine obligation to protect innocent and helpless victims ; they are essentially arguing that common-sense-based approaches are doomed to fail, leaving their exclusively technical account of the subject matter as the only meaningful choice. For reasons which are unclear, this extremely serious situation barely gets the attention it deserves even though ample evidence has been offered in support of this complaint. In SDCCUs view, it is implied that we should not home in ( and consequently rely on ) on unwritten laws, practicality, good judgment, reasonableness, sharpness, sensibleness, past outcomes, and insight, when taking appropriate precautions. To underscore, once again, such views are at odds with common sense and are wildly irresponsible. Imagine a view according to which the one and only thing that can make SDCCU morally obligated to do something is having it written down somewhere. Pursuant to this view, if SDCCU encounters the suffering of totally naive victims, they are only obligated to intervene in or remedy the situation, to the degree required by written material. This is unbecoming for a reputable establishment such as SDCCU. I have reviewed the material hereto sent by SDCCU carefully, and it, unfortunately, provides no response to my fundamental argument concerning the degree of care. Given its size, influence, and the resources at its disposal, this establishment clearly had a far greater capacity than an individual such as myself had, to determine the level and likelihood of risk that a client such as myself is subjected to and had a duty to intervene as they now do to query in particular out-of-pattern transactions of this kind. It is perfectly obvious that SDCCU, inadvertently, employs a subtle approach in addressing some of the key questions in a manner that neither provides me with adequate support nor protects anything other than its own interests. It is SDCCU here, that has the burden of proof, to show that it has exercised the duty of care, that is to say, that SDCCU adhered to a standard of reasonable care in relation to the matter at issue given its extensive experience compared to mine. It is SDCCU that claims that the damages which I have suffered in connection to this matter have not been reasonably foreseeable and that my proposed degree of care is not, and has not been, commensurate with SDCCUs capacity, experience, expertise, or scope of services in any way. To re-emphasize, SDCCUs indisputable overriding purpose is by no means to purely execute transactions in a XXXX and blank fashion, but rather to strike a balance between executing those transactions and capitalizing on its undeniably vast capabilities to protect consumers thereby enhancing market integrity. Apropos of the fluidity of the concept of reasonableness, all SDCCU has done in this regard is set up a dichotomy of having or not having the legal obligation under consideration, however, that does not go one inch toward explaining why various regulatory authorities, such as the FCA, has maintained that financial institutions can, and should, protect consumers using their systems, advanced technologies, and rich experience. SDCCU is obliged to take some action if it is sufficiently aware of the real possibility that fraud may be being perpetuated. If you don't question its customers instructions or raise the possibility of a scam with the customer in these circumstances, it may be liable if the red flags indicate the customer is : particularly vulnerable, or if the possibility of fraud was serious or real, not just suspected. There are some recommendations to organizations for protecting customers from financial harm that might occur as a result of fraud or financial abuse ; and gives guidance on how to recognize customers who might be at risk, how to assess the potential risks to the individual and how to take the necessary actions to prevent or minimize financial harm. These recommendations are established as a general principle, the organization should deliver a service that : 1 ) Takes a proactive approach to minimizing risks, impact, and incidences of financial harm and it sets out systems and tools for the prevention and detection of fraud and financial abuse. As a general point, it says organizations should ensure that all systems are developed using technologies and methodologies that are effective in the prevention of fraud and financial abuse, through authorized and unauthorized payments, thereby minimizing the risk of financial harm to customers. As regards the detection of fraud and financial abuse, it says the organization : A ) should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse. It then lists the following examples of suspicious activity on customer accounts : a. multiple cheque books; b. suddenly increased spending ; c. transfers to other accounts ; d. multiple password attempts ; e. logins from new devices, multiple geographical locations ; f. sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. g. a withdrawal or payment for a large amount ; h. a payment or series of payments to a new payee ; i. a financial activity that matches a known method of fraud or financial abuse. B ) organizations should have a process in place to ensure that staff makes contact with the customer to verify the financial activity, challenge its authenticity, explain the nature of the suspected or detected fraud, and discuss an appropriate plan of action. SDCCU are yet to show, or otherwise provide me with, a compelling argument that their wide-ranging experience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to avert the fraud at issue. By contrast, I have provided a multitude of sound and powerful reasons by which requiring their involvement has not only been pressingly relevant but also eminently reasonable and well-justified. Rather than empathizing with and undertaking substantial efforts to convey their knowledge of the existence of such regulations abroad and thereafter use it to protect and proactively relieve the plight of consumers who have been cheated out of their money and whose role in society is properly fulfilled, positively contributing to local economic growth, development, and sustainability SDCCU adopts a rather insouciant attitude toward my financial predicament portrayed herein. I am deeply convinced that the disastrous results that I have previously elaborated upon will continue to ensue if no responsibility is adopted by SDCCU in relation to this matter. I have also thoroughly detailed why they can not simply dismiss this problem by strictly adhering to legal technicalities which, after careful reflection, struck me as being nothing more than self-interest. Indeed, it seems to me utterly unfair to disregard fragile, sensitive, and vulnerable consumers who are afflicted by such allegedly malevolent acts, thereby keeping an unjust status quo that is corrupting our society at its core. Conclusion : Based on my analysis, and as confirmed by various authorities concerned with such matters, there is abundant evidence that forward-thinking financial institutions ought to take reasonable steps to forestall fraud, or at least mitigate its risk by using an effective risk management system, demonstrating their undisputed ability to responsibly and pre-emptively respond to questionable transactions in the digital arena. The use of such systems, largely based on newly adopted technologies aimed at effectively navigating the evolving threat landscape, is only one of a number of possible endeavors undertaken in this connection, alongside the application of past knowledge and experience related to popular fraudulent practices. Astonishingly, I am pondering how it is that, despite being shown that SDCCUs business conduct was insufficient insofar as background checks are concerned, they keep refuting their indisputable role and responsibility in connection with the matter herein discussed. The points that I have hitherto made are too crucial to be taken lightly. SDCCUs non-observance of the fundamental principles of justice that is, to completely overlook and not even remotely try to mitigate the suffering of vulnerable consumers is inexcusable given the size of the establishment and the vast resources at its disposal as the direct result of the patronage of clients like myself. If it was, indeed, solely my responsibility, we must then believe at least one of the following clauses : a ) financial institutions have absolutely no role whatsoever in preventing and detecting fraud, b ) the fraud in question was not reasonably foreseeable, or c ) the transactions in question were not sufficiently alarming. It is extremely unfortunate that SDCCU pushes quite hard for me to believe all three of these thingsdespite evidence to the contrary. In summary, I respectfully ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome. Thank you.
11/10/2022	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	FL 326XX	Web
San Diego County Credit Union ( SDCCU ) " charged off '' our account at {$120.00}, and did not notify us. We have sent several certified letters and had a dozen phone calls with them defending our case.. to no avail. What is especially notable here is that : 1. They lost our first dispute letter to them in XX/XX/XXXX 2. They refused our 2nd letter in XX/XX/XXXX ( sending it back to us unopened ) 3. They have on record returned mail from us, proving we never received any written communication from them regarding a charge off. 4. Our 3rd dispute ( sent certified mail ) was recorded as delivered in XX/XX/XXXX, and after almost 2 months, they have not responded to us, as they verbally promised and are legally bound to uphold a 30-day turn-around for all despite responses. 5. between the 1st and 2nd dispute, we worked with our credit repair agency because the reportings were false, and we assumed they would be easily deleted. More Explanation : In XXXX, during the height of the pandemic, we lost work, and decided to consolidate our resources and invest in creating a better financial future for ourselves. This resulted in making agreements with creditors to pay off accounts, making lower payments on our mortgage and hiring a credit repair agency to help us with any outstanding debts and wrongfully reported accounts. We became very serious about creating a solid future for our family, and it seemed to be working. However, we were living in a very small condo at the time, and the health-risk of covid in our neighborhood, and in such close proximity to neighbors was a definite threat. So, we made the decision to travel to Florida and rent a farm house for our health, safety, and to have peace of mind and build income for our family. We had all of our mail forwarded to us at this time. We continued to work with our credit repair agency and pay off any old debts, and clear up any wrongful reportings. We stopped using SDCCU, as we were not local, and they really make communications difficult. They don't even help with online banking over the phone. We left a little bit of money in that account ( just in case ). And, we did not close the account because we didn't know if we would be back in XXXX XXXX. Note : Since our mail was forwarded, and we were just renting am airbnb, there would be no need to change our address with SDCCU. We received our mail every other week from the mail service that we used. There were several pieces of banking mail that we never did receive, including a credit card that we ordered. this particular credit card did have fraudulent charges because someone intercepted it. WE HAD ABSOLUTELY NO IDEA THAT SDCCU HAD SEBT US ANY MAIL, AND WE NOW ASSUME IT WAS RETURNED TO THEM BECAUSE UPON SPEAKING TO THEM, THAT WAS VERIFIED. DURING OUR STAY IN FLORIDA, WE ALSO GOT LOCKED OUT OF OUR ONLINE BANKING ACCOUNT AND ATTEMPTED TO RECEVE HELP LOGGIN IN OVER THE PHONE TO NO AVAIL. There were multiple times during this situation with SDCCU when they could have made good with our accounts and completely remedied the situation prior to reporting us as a charge-off. 1. They could have called, emailed or texted.. Because they have those forms of communication for both of us, and we continue to receive electronic communications from them 2. They could have admitted that their returned mail indicated we did not receive their US postal service communication 3. They could have acknowledged our dispute and considered all of the details of our case 4. They could have been within the legal timeframe of responding ... in fact, they could have responded in the first place. This incorrect mark on our credit reports is preventing very necessary career advancement and funding for housing. It is unjust and a complete mistake on so many levels. We only found out about this mistake through our credit repair/ monitoring company. We have never had a charge-off our mark like this on our credit without being warned. There have always been phone calls. In fact, our other banking institutions send texts whenever they suspect wrongful activity or if the account gets to zero. Here are dates and details : XX/XX/XXXX : ( This is the day we discovered the problem ). Spoke with XXXX in " credit disputes department at SDCCU. '' she told us exactly how to write a dispute, and we completed and mailed the dispute. ( long wait... working through credit repair agency, XXXX : Spoke with XXXX and XXXX, XXXX for 3+ hours asking him to investigate what ever happened to our first dispute.. he would not find our original calls or letter, and told me that it was never possible to speak with someone in the Credit Dispute department XXXX We concluded that for whatever reason, we were lied to on our XXXX call. XXXX told me that SDCCU had on our record that they had retuned mail from us. This made me confident that our case was clean, and clear because they could see that we were never informed. XXXX : Spoke with XXXX again to ask what else we could do to remedy this, and was told that they would look favorably on us if we paid the {$120.00} and to send Certified mail. We sent certified mail which was denied by them and sent back to us.. we received it weeks later XXXX : For good measure, we sent another certified letter that day. making 2 in 2 days. XXXX : We had a local friend in XXXX XXXX pay our bill in cash for us at the location. XX/XX/XXXX : our mail was recorded as delivered to SDCCU XX/XX/XXXX : Spoke with XXXX and XXXX and was told that the mail had not yet been picked up by anyone at the bank. No one had seen or opened it. XX/XX/XXXX : Spoke with XXXX and XXXX who said there was still no info on the dispute letter they received 7 days prior. XXXX could not answer why we were not emailed, called or texted regarding our alleged charge-off before it became a problem, and that she would email me that day with more info on that. XX/XX/XXXX : XXXX, an assistant manager called, claiming that he really wanted to help us with this situation, and that if we could repeat our story he would personally go to the department and make sure it was taken care of fairly. XXXX also said we should have been notified electronically regarding this problem prior to it becoming a problem. XXXX acted like he cared, and assured me that this would be taken care off in the XXXX time period, and implied he would call back and/or personally help. XX/XX/XXXX Spoke with XXXX who assured us that they were working on it. After this we ended our agreement with the credit repair agency, and learned how to speak on our own behalf, sending accurate disputes to the credit repair agencies. While SDCCU has failed to inform or communicate with us once again as per their investigation or findings, they " apparently ' " verified '' it with the credit bureaus. Once again, completely removing the " community '' principles on which their business is allegedly built. Not to mention they going against proper laws on credit reporting. We have gone over and above to communicate clearly with them and explain our situation, defending that we are in the right. They have ignored truth, lacked communication and created a credit trap for us that is so extremely detrimental to our family ... over {$120.00}?? All during a pandemic? When we have evidence that we were working on our credit, paying off bills and being very mindful of our financial relationships. When we clearly had spurt mail forwarded, and they clearly have returned mail from us. This would have never occurred had we received communication from them in the first place We are attaching : a receipt for credit repair notarized agreement for forwarded mail ( 3 attachments here ) photos of a returned mail from SDCCU our first dispute from XX/XX/XXXX our second dispute letters from XX/XX/XXXX 6
09/21/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	CA 92110	Web	Older American
On or about XX/XX/2023, the San Diego County Creit Union ( SDCCU ) charged me over {$1200.00} in administrative fees regarding an overdraft problem on my account edning in XXXX. There were over XXXX fees largely dealing with multiple credit card withdrawal attempts in succession. The Bank would not let me use the checking account until the administrative fees were paid first ; causing further cash flow problems and overdrafts. The Assitant Bank Manger ( A.M. ) removed 3 of the 30-35 fees, but indicated that I would have to pay the rest. I immediately appealed it on the spot, but was told that I would have to escalate to the bank manager ( B.M. ) who would not be in for several days. I asked if someone else in the adminsitrative heirarchy could help ; she denied claiming that she had been a bank manager for over 20 years. I was clear that the Bank should expect litigation based on her behavior, a lack of judgement and fund of knowlege ; not to menion frank negligence, bad faith, and sicrimination. I mentioned that federal regulations are cracking down on the abuse of consumers by such administrative meneuvers and that there should not be a jury in the world who would side on over XXXX in fees being charged simultaneously before being able to use the account. The Bank should have been aware of the problem and contacted me since it had apprently been giong on for several weeks. I started to mention the NCUA and CFPB but was informed that the bank XXXX governed by the NCUA. Clearly, for credit unions with over XXXX XXXX dollars in assets, the CFPB regulations are controlling. .A " reasonable person '' standard applies since I could not have possibly forseen the situation or the aftermath of the Banks 's behavior. The A.M.s demeanor, tone of voice, and psoturing was abusive, particualrly since I was visibly shaking and I just turned XXXX, at least 20 of those years banking with SDCCU. I consider this a form of elder abuse on top of the bad faith and negligence expressed by the Banks behavior. The next day I came in to the Bank and requested that a different bank employee rather than she or her subordinate, be present to witness any conversations, since I believed I had placed stop payments on the account the day before ; I was informed that was not the case because I was concerned about the stop payment fees. Although the initial incident also involved one of the A.M.s subordinates, I requested that an indpendent employee witness the interaction. The XXXX exclaimed that she could not spare a bank employee for this purpose. I remained calmly in the waiting area for about half an hour and no more than 3-4 customers were observed ; the Bank had about 7-8 employees there. I videotaped the interactions, and indicated that I was doing so ; there were no objections. Then I held the phone up to the XXXX and insisted on my right to due process. She called one of the majority of employees simply doing nothing but gossiping, to witness the interaction. I thought I placed stop payments the previous day, but was informed that I was too worried about the additional fees. I specifically demanded that stop payments be placed ; copies of the stop payments were given to me. I indicated to the Asst. Manager, that she had been very unprofessional and that Im XXXX XXXX XXXX and was visibly shaking and my voice was cracking indicating distress. I also infomred her that I overheard at least one employee spaking about the indicent from over 20 feet away, and that this was a violation of the banking confidentiality requirements. Allthough upset, I was respectful and professional in my interactions. As a XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive seen it all and attempted to keep my composure to the fullest extent possible. The XXXX indicated that she could call another branch to take care of me. I responded that I had been with the Branch for over 20 years and insisted that she and her subordinates deal with me in professional and respectful manner at that Branch. I went to the Bank the following Monday and indicated to the B.M. that I should not have been charged such exhorbitant administrative fees and I detailed some of the abusive behaior of her staff. I had full clinical days the rest of the week. The fees reamin on that account. I am exhausting administrative remedies by this complaint and will proceed wqith litigation accordingly. The extreme negligence and bad faith will not support the Banks immunity on the federal or state levels. The agent for service of proceess is XXXX XXXX according to corporate records. SDCCU is allegedly voted San Diego Countys top credit union although they are frequently writing to their own customers to remind them to coninue voting them the best. If that is true, SDCCU should be prepared for XXXX and XXXX reviews documenitng the behavior so that other consumers do not face, not only the exhorbitant adminsitrative fees, but also be protected from the Banks unprofefssional and frankly cruel behavior in this case.
10/27/2022	Yes	Checking or savings account Checking account	Incorrect information on your report Information belongs to someone else	CA 92115	Web
In XXXX, XXXX, I opened a " XXXX XXXX Checking Account '' with my then XXXX nephew who lived with me at that time. Since he was a minor I co-signed as guarantor of the checking account as required by San Diego County Credit Union. At that time, I was told by XXXX that I would only be responsible for the account until my nephew turned XXXX ( which, was only a month later in XX/XX/XXXX ). XXXX 's Truth-in-Savings Disclosure backed up what I was told in person by the branch representative : " The Teen First Checking account is for minors ( ages XXXX ). A parent or legal guardian must be a joint owner on the account until the minor reaches the age of XXXX. The joint owner consents and agrees to be the guarantor for any and all financial liabilities incurred through the use of any services, UNTIL the minor reaches XXXX. Teen First Checking accounts do not require eStatements. When the minor reaches XXXX, the account will be converted to a FREE Checking with eStatements account and will require eStatements to avoid a monthly fee. '' The moment my nephew turned XXXX the account was removed from my view on my existing online account ( for my own XXXX checking/savings ) and I could no longer access it. Based on the information provided to me in person when opening the account, the account disclosure referenced above, and the fact that I could no longer see or access the account details/balance/etc, I assumed and trusted that the account had been converted to my nephews own checking account with estatements. Fast forward a couple of years later : my nephew is now XXXX XXXX XXXX living in another state and has changed his address with XXXX. My nephew suffered a traumatic event and fell behind on his finances, and let his account become overdrawn. XXXX closed his account as a charge-off and reported it to both my nephew AND MY credit report. It was only at this time ( XX/XX/XXXX ) that I was notified ( by my credit monitoring, NOT by XXXX ) that XXXX had apparently kept me on the account as a 'joint ' checking and was holding me financially responsible. XXXX clearly had MY correct address and contact information, as I am a long-time upstanding client with zero history of negative comments from them on my own. XXXX made ZERO good-faith attempt to contact me to a ) let me know they had added me to a converted joint account that I could no longer access from my own online checking account ; b ) made zero attempts to advise me that this " joint '' account had it's address changed from my own to something in another state ( note, I was not receiving paper statements anyway, since their disclosure quoted above clearly says they give it " Estatements '' ), and c ) made zero attempts to contact me when the account was overdrawn and about to be reported to the credit bureaus. Had XXXX done any of these things, I would have gladly made an attempt to remove myself from the account ( and made a complaint at that time that their account disclosures are misleading and inaccurate ), and also would have offered to pay the account off so they could have their money prior to them ruining the credit of a perfectly upstanding client of theirs. So far, I have paid the negative funds in the charged-off account ( so the derogatory remark on my credit would at least be marked as 'paid ' ) and submitted disputes to 2 separate departments within XXXX. XXXX has refused to remove the remark, refused to acknowledge their account disclosure is inaccurate, and refused to acknowledge they made zero attempts to contact me at my address and contact information of record. The account in question was in good standing UNTIL my nephew reached the age of XXXX, and that was the only period I should be responsible for, based on the guarantee I agreed to while opening the account. I do not even have the account number for the account in question, because it was not MY account
08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92103	Web
In XX/XX/XXXX, I moved from XXXX to XXXX XXXX. I opened an account with XXXX. I rarely used this account, as I kept my main bank in XXXX. On XX/XX/XXXX, I went in to their XXXX XXXX branch to make a cash deposit. The teller informed me I no longer had an account at XXXX. I was flabbergasted. She informed me the account had been charged off, and they had closed it. I asked how much it needed to be brought to a {$0.00} balance, she told me it was {$170.00}. I immediately paid it. I was confused and had more questions, but I was rushed out. XXXX had closed several locations due to COVID, leading to more customers visiting one location and less staff. They wanted you to get in and out as quickly as possible. I later went back to the branch, asking how this was possible. A banker printed off my statements. I had been completely unable to access my bank statements online- I had been locked out of my online account without notice when XXXX charged off my account. Upon seeing the statements, I saw several car insurance payments for " XXXX XXXX, '' and several fast food or XX/XX/XXXX trips that I know I never made. I also do not have XXXX XXXX I have had XXXX XXXX ever since I got my drivers license. The only person who would be able to do this was my roommate at the time. He used my other bank card ( XXXX in XXXX ) but since there were more funds in that account it did not cause an issue like this. The banker told me the charge off showed on my credit report, which floored me. I asked how to fix it, and he said I could file a dispute, but my chances weren't good since it had been over 60 days since the account was charged off. In XX/XX/XXXX, I filed this dispute, but as I expected, it was denied. I continued to try fighting the mark on my credit report with the credit reporting agencies throughout XXXX and XXXX. I couldn't get anywhere, and each dispute resulted in being told to go back to XXXX with my complaint. Several visits to XXXX and conversations with bankers were fruitless. I kept being told I was out of luck since so much time had passed ; they disregarded the fact that their COVID closures made it extremely difficult to talk to anyone. I kept being told I should have checked my statements, which was impossible since my online account was inaccessible and I later discovered my roommate had been discarding the printed statements that had been mailed. This lead me to file a complaint with the XXXX XXXX XXXX, where I was connected with XXXX XXXX at XXXX ( see attached correspondence ). She has been completely unsympathetic and insists it is my fault for not checking the statements. It has been so incredibly frustrating. Not only was I stolen from, my credit is now destroyed because I was a victim of fraud, and XXXX refuses to fix my report. I have even offered to file a police report against my roommate from XXXX, and I was told it would not affect their decision. To summarize, I was a victim of crime as my roommate stole my card and used it to sign up for his car insurance payments, causing the account to close and default. I had absolutely no idea my account was even closed until I was in a branch trying to make a deposit. The teller did not tell me it affected my credit report, so I had no reason to file a dispute. It wasn't until I met with a banker that I found out why my account was closed and that it was on my credit report, but it was now past the 60 day requirement to file a dispute. My appeals to XXXX, the credit reporting agencies, and now the XXXX have gone nowhere. I had a credit score above 700 before this, and am now barely over 600. This is the only derogatory mark on my report, and it's for a crime that was committed against me, which blows my mind, and I can not understand how or why XXXX will not help.
11/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 92071	Web	Servicemember
In XXXX my father was diagnosed with terminal pancreatic XXXX. We went to San Diego County Credit Union, where he had his vehicle loan. He made me the beneficiary without any concerns from the bank. He died shortly after in XX/XX/XXXX. I assumed making the payments on his vehicle loan and kept possession of the truck. Never missed a payment and maintained the loan and vehicle. Around XX/XX/XXXX, over 14 months later, I contacted the bank for the account number so I could start making automatic payments from a different checking account. At that time I notified the agent of my fathers passing. She was very kind and told me there were no issues because my XXXX had put me on his account. I continued to make the vehicle payments timely. Approx XX/XX/XXXX, I received a call from a very rude collector from XXXX asking me where the vehicle was parked. I was unnerved by the question and ask why they are asking where it is when the payments are current. The agent stated I couldnt make payments on a deceased persons account. I asked the agent to have XXXX from the branch contact me, because he was aware of our situation. I continued to make payments. They continued to be cashed. At some point on XXXX I received another call from a very condescending collector asking me why I havent paid the truck off and telling me the vehicle isnt mine to pay on. I again requested a call from XXXX at the branch. XXXX and I spoke when he called me and he explained I needed to refinance the loan into my name. I told him I was confused because the reason my extremely sick father came into the branch was to do exactly that. He said we simple added me to the checking and savings accounts and not the loan. Which is confusing because my XXXX banked at XXXX. So our only purpose would have been to handle the vehicle loan. I told XXXX I was in the middle of refinancing my home and could he give me more time to decide either to payoff the vehicle or refi. He agreed. XXXX called me again on XX/XX/XXXX and asked the status of my refi/payoff. I told him my brother would be refinancing the truck for me, however he was on XXXX and we would come in as soon as he returned. XXXX agreed and I told him we would call for an appt upon his return. At this time, payments are still current. This morning, XX/XX/XXXX, I awoke to my vehicle missing in my driveway. I contact the police and learn my vehicle has been repossessed. When I contact SDCCU, they inform me, the reversed my payments for the last 90 days and that authorized them to repo the vehicle. At no point did anyone contact me to EVER to inform me if any past due payments. They Took 3 months of payments and put them into my dads savings account. My brother is returning from abroad today, however because the vehicle is impounded now I have to pay in full to retrieve vehicle from tow. Please help me understand how this practice is legal or acceptable. At no point did anyone advise me the vehicle was in default, or in danger of being repossessed. I feel this practice was entirely predatory. I am a single mom without the ability to pay repossession fees and impound. I had to miss work today because my vehicle was unknowingly taken from my driveway. If XXXX has communicated to me they were putting my payments into my dads savings account and I was in jeopardy of repossession, I wouldnt have asked XXXX to wait for my brothers return from abroad to refinance. This was completely miss handled and I feel I was mislead into thinking there was no urgent matter. I have never missed a car or mortgage payment. I pay my debt timely and to find myself sitting in the rain at a tow yard seems pretty low for a bank my dad trusted to take care of his daughter upon his death.
11/14/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CA 92122	Web
On XXXX I tried to deposit a check from my condo insurance company ( XXXX ) to repair my damaged bathroom. It had been damaged due to a water leak and required extensive repairs. The check was for {$4200.00}. Its was made out to me and my wife as both our names are on the property. However San Diego County Credit Union ( SDCCU ) rejected the check as my wife is not on the account. She previously had a joint acct. with me but during covid her employer was closed. She is a teacher and her school was closed. Her acct. became negative, was overdrawn and closed. I paid off the fees and such and left my own acct. there. I offered to have us both come in and sign the back of the check. SDCCU refused. I then asked to speak to the XXXX. A XXXX XXXX XXXX XXXX and was told to wait. Then XXXX XXXX, a different SDCCU employee, came out and gave me XXXX card and said she doesn't have time to see you. You should leave. I then took my wife to XXXX XXXX XXXX to open a joint act there so I could cash the check. I am still without a functional bathroom. They refused stating there was some issue with my wife and SDCCU so they couldn't open an act for her and I together. This same SDCCU revoked my credit cad 10 years ago despite the fact that I was current and never missed or made a late payment. The same SDCCU denied my request for a mortgage against my condo which I had previously paid and and was free and clear with a value of {$900000.00}. I only requested $ XXXX for home repairs and they rejected it despite my being a member for 30 years. I soon obtained {$150.00} K financing from a mortgage broker which was shocked that SDCCU turned me down. They have also charged me numerous over draft fees despite my having sufficient funds in the account. SDCCU has lied and said they are there to service their members but refuse to provide me with good service and in fact have ruined my credit by closing my oldest credit card for no reason. Also by Refusing to service my financial needs causing financial harm and affecting my health as I am still without a functional bathroom. I believe that they owe me an apology and a credit for every time the charged me a OD fee when there were funds in m account. I believe that they are violating their own status as a credit union by engaging in practices that do jot meet the standard for being licensed as a credit union. I ask that their status as a member friendly credit union should be investigated. I believe they should refund me for the unfair OD fees, and also remove any negative reports which other credit unions or banks look at as I still can not cash the check and am still without a bathroom.
11/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 91915	Web	Servicemember
So back in XXXXXXXX XXXX XXXXXXXX I had accidentally made a double payment for {$500.00}. I called XXXX and asked how do I go about them reversing this. The representative I spoke to had told me that there is no way possible on their end to reverse the charge. However she stated that. Should call my financial Institution where the money was coming from ( XXXX XXXX XXXX XXXX ) and have them do a stop payment and stop the charges from going in and once that was done and I got the money back to just go back in to the SDCCU app and make the payment. I asked her to ask her supervisor would there be any fees or inconvenience I would run into if I were to do this. She then proceeded to ask her supervisor and came back on the phone and said no that I should be fine. When I went back in to the app a couple days later to make the payment as she told me I would be able to do my online payment features were disable & I was instructed to call XXXX. I proceeded to call and they said that my online features were XXXX for having the transactions reversed. I then asked for a manager/supervisor to give me a call. Someone from management gave me a call a couple business days later and I explained the situation to them and she then told me for now the only way I could make a payment was through my financial institutions bill pay ( XXXX XXXX XXXX XXXX ). She said she would investigate and get back to me. She got back to me and told me that my online features were disable for a year until XXXX of XXXX. So I will have to continue using bill pay or going into a XXXX branch location to make the payment. I stated that going to a branch location would be impossible as I had moved out of state, so bill pay it is. Fast forward to XXXX of XXXX and my online features still hasnt been reactivated and I am being charged a {$25.00} fee every month I make a payment because I make the payment on the XXXX of everything month through my financial institution ( XXXX XXXX XXXX XXXX ) however since they have to electronically send a check or physically mail out a check SDCCU. SDCCU doesnt receive the check on time. I as the consumer am having to pay the extra money and fees all because a representative and their supervisor made a mistake. I cant control the United States postal service delivery time nor can I control when my credit union procresses and mails out the checks. I am asking for these fees to be reversed and my online account services be reinstated.
07/12/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 30101	Web	Servicemember
Hi, I was on international travel for our honeymoon with a return date of XX/XX/23 and a return flight of XXXX. I was alerted by the hotel upon checkout that my sdccu card declined. I checked my balance to verify that the funds were in my account and they were. The hotel tried numerous times and each time declined. We had to wait until sdccu bank opens on XXXX time zone approximately an hour to speak to a bank representative. I was informed that the bank was experiencing an outage and declining all cards. I enforced the bank rep that I had a flight to catch in 2 hours but am unable to check out with the hotel because my funds are tied up. The sdccu representative was very rude and stated there is nothing that can be done and I would just have to wait. I requested to speak to a manager to which she stated none was available. She took my phone number and said one will call me. Ultimately we missed our flight and had to pay over {$500.00} to rebook. I used my credit card which is for emergencies and did not have a limit to cover the hotel. Also, I had pending automatic transactions to include bills that were declined and returned with retuned payment fees added. We were stuck in another country until we contacted family as we were desperate to get home. Once the sdccu outage was over I discovered several over draft fees in my account due to my deposits being returned during the outage. This is very disheartening. My daughter, husband, and I all bank with sdccu for nearly 20 years. I am requesting all over draft fees as a result of this outage to be refunded. I am also requesting that sdccu take care of the additional flight fees due to missing our flight from not being able to check out of the hotel and a refund of the returned payment fees accrued from my bills attempting to be debted from my account. My deposits were returned and therefore everything either bounced or resulted in over draft fees. My family and I would like to continue to bank with sdccu, however, if this situation is not resolved we will have no choice but to bank elsewhere. Feel free to email me at XXXX or call at ( XXXX ) XXXX. Thank you.
07/04/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	CA 92596	Web
During year XXXX I loaned funds from my personal account at San Diego County Credit Union, XXXX XXXX to a close personal friend ( app {$26000.00} ). I can not currently access my account to provide exact dates/amounts. I was reimbursed in full XX/XX/XXXX and funds deposited in my SDCCU savings account. XX/XX/XXXX I went to SDCCU to withdraw funds from my account and was referred to XXXX XXXX XXXX, Asst. Branch Mgr., who proceeded to question, harass, embarrass, humiliate me & ultimately denied my cash withdrawal request. Her apparent authoritarian conclusion was that I was incapable of handling my own financial affairs ; further evidenced by a referral to XXXX XXXX Department of Public Social Services. Representative at my door XX/XX/XXXX XXXX AM was courteously sent away by me. XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me an investigation with SDCCU Fraud Investigations Dept. was initiated. The letter provided a case #, an email account, telephone # to contact the Fraud Investigations Dept. and no other details. XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me the investigation had concluded with same email, telephone # and no other details. Unable to access my acct I had contacted my attorney who advised me to send an email informing SDCCU & XXXX XXXX of our intent to file complaints with the Better Business Bureau & the Consumer Financial Protection Bureau followed by a lawsuit citing harassment, discrimination, interference in my personal financial affairs & illegally holding personal funds XXXX which I had done on XX/XX/XXXX. Sent 2 additional emails asking for information ( XX/XX/XXXX & XX/XX/XXXX ). No response to date from SDCCU. In conclusion, I am still unable to access my account. SDCCU blocking access with no communication or explanation why. I need to file XXXX taxes but am unable to access pertinent tax forms relative to my SDCCU acct. SDCCU incompetence is impacting my financial affairs including my standing with the Federal & State govts. I need a resolution NOW.
04/13/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	CA 920XX	Web	Older American, Servicemember
My wife and I have a saving and checking account at San Diego County Credit Union at XXXX, California. On XXXX XXXX we made a {$50.00} deposit and got a receipt, it showed a balance of {$56.00} in the checking and {$11.00} in the savings before the deposit. I told the teller that was impossible because we haven't made any withdrawals in month. The teller went to the computer and told us have been paying for a Accidental Death And Dismemberment Insurance Policy. I said we did not have a policy and how can they just take money out out of our accounts with out our permission. My records show that that XXXX sent us a mailing stating that because we had an account with them that we were eligible to get a free {$3000.00} policy all I had to do was to sign the form and send it in so I did. The insurance company 's is XXXX XXXX. I called them and they refunded me one payment of {$90.00} after several weeks. I called them back to tell them they still owe us {$90.00}. After some weeks I received a letter dated XX/XX/2023 they want me to fill out a form and have it notarized. I'm not going to do this because it seems suspicious to me. I feel that we have been set up and if so how many people have been taken advantage of. I think that XXXX is responsible letting this happen to us and should make our accounts hole again.
07/07/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	CA 92124	Web
This has been a consistent problem XXXX checking account where fees are being charged regardless of the chronological order of transactions or the balance. I called a representative of the bank and inquired today about what charge caused the NSF fee and she said she did not know when I asked how could that be? the response was " You were charged an NSF fee with a chuckle " even though I asked for an accounting of my account. I feel powerless and like I am being profiled. Please look into this I work very hard for my money and this is ridiculous. XXXX XXXX XXXX - XXXX transactions PreAuthorization XXXX XXXX XXXX Transaction in Process ( Pending ) {$8.00} XXXX Check Hold ( Pending ) {$75.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX - {$25.00} XX/XX/XXXX {$83.00} Transfer fee - {$5.00} XX/XX/XXXX {$100.00} From XXXX XXXX {$16.00} XX/XX/XXXX {$110.00} NSF ACH Not Paid XXXX - {$32.00} XX/XX/XXXX {$96.00} Acorns Invest ID XXXX XXXX XXXX XXXX XXXX XXXX NAME : XXXX XXXX- {$100.00} XX/XX/XXXX {$120.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19.00} XX/XX/XXXX {$220.00} # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX - {$6.00} XX/XX/XXXX {$140.00}
12/09/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	CA 92584	Web	Older American
Can not access account as it was closed. Since a new account was created, I can not access XXXX XXXX information or any previous account information so as to pay my bills, receive deposits. XXXX is frozen to me since I am not first name on account held as as shared account -- my husband is listed as primary. He died, so I can not access his, mine, and our accounts. Legally married since XXXX XXXX, XXXX, with proof of marriage license. This money is mine since he is deceased all monies and access of accounts are mine. XXXX XXXX caused the account to be closed and a new account established. I am no longer able to access the account to pay bills or receive auto. deposits from Social Security, XXXX, any money coming to me. I can not receive Government deposits to the new account. The original account will not be carried over to the new account. My bills are going into collection and my income is not coming in it is being bounced out and the SDCCU is not allowing those deposits into the new account. BAD ENOUGH THAT MY HUSBAND OF XXXX XXXX IS DEAD, I CAN NOT USE MY MONEY! WHERE IS IT GOING! THIS HAS TO BE A CRIME. I am desperate to get this resolved. Please, please, please help me access SAN DIEGO COUNTY CREDIT UNION -- my funds!
08/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34471	Web
CFPB + XXXX + San Diego County Credit Union, On a recent review of my credit reports I discovered your company pulled my credit on XXXX without my written authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I request that you mail me a copy of my signed authorization forms that gave you the right to view my credit within 5 business days of receipt so that I can verify its validity. If you can not provide me with proof that I authorized to view my credit report, then I am demanding that you contact XXXX immediately and have them remove the 4 unauthorized hard credit inquiries. Please send me a written confirmation that you have complied with my requests. I fully expect these unauthorized credit inquiries to be removed from XXXX immediately as you will not find my written authorization as I did not give it. Your failure to act will be this matter being referred to the Attorney Generals Office. I can be reached at the mailing address on this letter and expect this resolved within 30 days or less of receipt. Attached to this complaint are : - Copy of drivers license - Copy of social security card - Copy of address - Copy of complaint - Snapshot of the 4 unauthorized inquiries on XXXX
09/17/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92562	Web
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
11/11/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 91945	Web
XXXX XXXX XXXX XXXX I have my direct deposit going there from my job which every other payday there is a deduction from my money due to a overdraft protection fee whice I do not have overdraft protection I spoke with a manager there at the bank about my concerns of the matter of funds being deducted from account problem was fixed so I thought it happened again overdraft fee due to excepting payment to go thru from these companies and deducted from my account not reimbursed I called the fraud department and they canceled my card was supposed to receive another card never did I had to go into the bank I went to a auto store whice name I will not say I proceeded to purchase items with my debit card thinking my direct deposit money was in there from work which transaction was denied due to payment was not available the cashier tells me that I have XXXX $ in my account by looking at his screen then I asked him how do u know my balance is XXXX $ in my account he turns his computer around lets me see whice there was my personal information of my account exposed on the screen I said no way so I proceeded to pay cash
08/17/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	CA 92009	Web
Dear CFPB ; Over the last 48 hours, my debit/checking account received six overdraft charges totaling {$190.00}. Upon noticing the problem within the first 12 hours, I immediately contacted this credit union to ask for a waiver or reduction of fees. I also deposited earnings from my food delivery job, and knew that a deposit from days earlier was already coming via ACH. Today my balance shows a positive {$120.00}, which would be up to {$310.00} if the fees had not been charged. My email and calls to them were discouraging. They explained they could not help me at all. Finally on a second call, they stated that they would remove {$32.00} of the {$190.00} if I deposited {$170.00} to the account today. This is after explaining as much as I could about how I was trying to fix the problem and that this amount of fees is an extreme hardship at my current low employment level. I'm on food stamps right now. It's completely my fault for causing the overdraft, but I expected way better from my local credit union and really wish they could have shown more grace.
06/21/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	CA XXXXX	Web
I have been a customer of the credit union for over twenty years. I am satisfied with the quality and banking service provided. However, most recently, I found I have been charged monthly for a number of months without having signed up for a Bill Payer Plus service. I never signed up for the this service provided by San Diego County Credit Union. I don't have any payments through the systems. I noticed charges have been incurred for the last few statements. I called SDCCU. They claimed I signed up for this service in XX/XX/2021. I asked for proof of this? They could not provide it. I also searched my email and communication. There is no record of me signing up. Since then, they have been charging me {$4.00} for this service, monthly. I don't check my statements as thoroughly. So, that is on me. However, the call agent was willing to refund me XXXX months of the fee, ~ {$20.00}, while the fees have amassed to {$140.00} over the last two and half years.
05/25/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA XXXXX	Web
I paid off my auto loan with SDCCU earlier this month, which required me to call customer service. The agent assisted me with making the final payment, informed me my title will be sent in the mail, and closed my accounts. Notwithstanding the payoff and closure, the bank pulled the payment from my checking account. Customer service informed me that it was the " system '' and they have no control over it. They informed me that this will take 3-5 business days for the funds to be returned and there is nothing they can to to cancel/intercept the payment and wire the funds back to me. Essentially, I was blown off. Apparently one has to explicitly request the scheduled payment to be canceled otherwise it automatically pulls the funds.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92115	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX : I am writing to request an investigation of the following information that appears on my XXXX XXXX report : Dispute XXXX Account # : XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : The account with XXXX Bank in question is showing as settled for for less than full value, but I paid the full amount owed. Please update & remove the account now thats its paid in full. Enclosures : Copy of credit report with report number XXXX XXXXXXXX Last bill statement from XXXX Bank XXXX XXXX from XXXX Bank XXXX you for your assistance. Sincerely, XXXX XXXX
06/03/2022	Yes	Checking or savings account Checking account	Managing an account Cashing a check	CA 91941	Web
A lost check was cashed by the payee one year after the date of issue because his bank ignored the issue date. My bank withdrew the funds from my account. I had placed a stop payment on the check when the payee informed me that he had lost it two months after I wrote it. My bank refused to do anything because stop payments are only valid for 6 months. Thus the payee was paid twice. Stop payments should be permanent. Obviously a lost or stolen check can be cashed after 6 months if a bank chooses to do so, which makes the payor liable for double the amount of the check. Thus there is no real protection with a stop payment and no real protection for a lost or stolen check. The UCC code should be changed.
05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92592	Web
The below inquiry appeared on my XXXX XXXX XXXX report. I did not give permission to SAN DIEGO COUNTY CREDIT UNION to inquire about my credit. I contacted XXXX, XXXX and San Diego County Credit Union to find out who made this inquiry. NOT ONE OF THE COMPANIES ABOVE THAT I CONTACTED COULD HELP ME IN FINDING OUT WHO AND WHY THIS INQUIRY WAS MADE!!!!!!! Alert Type New Inquiry via XXXX Processed Date XX/XX/2022 Creditor Type Credit Unions Alert Date XXXX Creditor Name SAN DIEGO COUNTY CRED Phone Number ( XXXX ) XXXX Creditor Address XXXX XXXX XXXX , XXXX XXXX , CA, XXXX
06/20/2023	Yes	Checking or savings account Checking account	Closing an account Can't close your account	CA 92057	Web
I have called three times and e-mailed three times trying to close my Checking and Savings accounts with San Diego County Credit Union. They refuse to do so. I have attempted to close the accounts all 6 times I've contacted them yet my accounts remain open. I have included pictures of the numerous times I've tried to close accounts via contacting SDCCU. I circled them in blue. You can see this has been going on for multiple months. I am also more than willing to find phone records of when I have called in the past three months to attempt to close my accounts as well.
11/21/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CA 92592	Web
On XX/XX/23, I did two ATM withdrawals back to back ( ATM XXXX XXXX XXXX XXXX XXXX CA XXXX ), one for {$800.00} and another for {$200.00}. The transactions deposited {$750.00} and {$150.00} back ( {$100.00} short ). When I saw that the bills being dispersed were crumpled in the machine, I counted and realized I was short {$100.00} total. There was a post-it note saying broken. I called my bank and they said they would process it, but I have just been rejected. This is unacceptable as the ATM was broken and my funds were not deposited.
04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	HI 967XX	Web
XXXX XXXX XXXX XXXX was reporting a bill that was not mine. XXXX took out insurance on my car without my consent. My car already had insurance. I contacted my insurance company XXXX. XXXX contacted XXXX XXXX XXXX XXXX Department and had them correct their mistake on XX/XX/23. I got the official letter in the mail from XXXX stating that bill was removed from my account. I want to make sure that my credit is fix because it went from a XXXX to a XXXX because of XXXX error. I want my credit return to its XXXX. Thank you
10/21/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	CA 92840	Web
Someone got ahold of my phone and debit card and deposited some checks into my account .I went into a XXXX XXXX to give them my written statement and to seek assistance I informed them that I have a police report that I submitted with my other bank they said leave them my best contact number and they will get back to me. 2 months go bye with no calls or messages beside a notice saying that I owe XXXX dollars and my accounts closed if I don't pay the amount owed I will be reported to XXXX
08/20/2022	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	CA 91915	Web	Older American
XX/XX/22 transferred {$190000.00} from San Diego County Credit Union XXXX to XXXX XXXX account XXXX. The person who did the transfer was XXXX XXXX XXXX and they did not take his age into consideration. They should not have approved the transaction.without consulting the wife who is a co-owner of the savings account. Being a customer for over 30 years and weekly visits they have done a due diligence to at least call the wife who is co-owner. We have used the bank for investments as well.
10/13/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	XXXXX	Web	Servicemember
15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. Account opened without my consent, I had my information taken off the dark web and have been battling issues with trying to repair my information and credit. Please help with getting this account removed from all 3 credit bureaus XXXX, XXXX and XXXX.
11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92220	Web
XXXX XXXX I MOVED OUT OF RESIDENCE XX/XX/2021 UNDER AGREEMENT BY LAW. THERE WAS NO BALANCE DUE AN ACCOUNT WAS OPENED FRAUDULENT IN XX/XX/2021 I REQUESTED DOCUMENTS OF CONTRACT, SIGNATURES AND DISPUTED NO DOCUMENTS EVER WAS RECEIVED NOW STATUS IS IN COLLECTION. THIS IS AGAINST THE GUIDELINES ALSO XXXX IMPROPERLY SENT XXXXXXXX XXXX INACCURATE CREDIT SCORE WHICH I WAS DENIED A ACCOUNT BECAUSE MY CREDIT SCORE IS XXXX NOT XXXX
09/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 91913	Web
Hi, My name is XXXX XXXX. I am XXXX who owns my own company called XXXX XXXX. I was denied credit at San Diego Credit Union for a car loan. They said my credit was XXXX, when my account show my credit is XXXX ( XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX ). I am filing a complaint against the Credit Bureaus. They are giving inaccurate credit reports on this file. Please check into this if possible.
09/03/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NV 89081	Web
SAN DIEGO COUNTY CREDIT theres a collections account reporting on my credit report that does not belong to me at an address that I have never lived at before. Account number XXXX Date opened XX/XX/2021 XXXX passed due {$270.00}
09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 92139	Web
SAN DIEGO COUNTY CRE Last reported XX/XX/XXXX {$340.00} Reported balance Highest balance {$0.00} Information not available OVERVIEW Highest balance $ XXXX Monthly payment -- Opened XX/XX/XXXX ( 6 yrs, 1 mos ) Term
07/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 92081	Web
I keep on sending request that this account has in fact late in making my payment last XX/XX/2020, because I never remember I paid late. I tried to contact the bureaus and the company so many times already.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92109	Web
Sent in notices about inaccuracy of my credit file in XXXX and XXXX of 2022. Last correspondence was sent via USPS and is attached to this complaint.
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	CA 92101	Web
My credit account been having transactions since XXXX till Now XXXX transactions I am totally unaware of...
01/23/2024	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA 92173	Web

01/22/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92111	Web

01/22/2024	Yes	Checking or savings account Checking account	Problem caused by your funds being low Overdrafts and overdraft fees	CA 92019	Web

01/18/2024	Yes	Money transfer, virtual currency, or money service International money transfer	Fraud or scam	CA 92024	Web

01/05/2024	Yes	Mortgage Other type of mortgage	Closing on a mortgage Trying to communicate with the company to fix an issue with the loan closing	CA 92084	Web

01/03/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	CA 94603	Web	Older American

12/16/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	CA 92584	Web	Older American

11/22/2023	Yes	Checking or savings account Checking account	Closing an account Company closed your account	MN 55419	Web

10/11/2023	Yes	Checking or savings account Savings account	Managing an account Deposits and withdrawals	CA 92110	Referral

10/10/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NE 68135	Web

08/21/2023	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	CA 92584	Web

08/15/2023	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	NC 28560	Web	Older American

08/14/2023	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	TN 37160	Web	Servicemember

07/25/2023	Yes	Mortgage Home equity loan or line of credit (HELOC)	Incorrect information on your report Information belongs to someone else	CA 92009	Referral

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92019	Web

05/08/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 92011	Phone	Servicemember

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92019	Web

02/22/2023	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92127	Phone

01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92056	Web

01/11/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92083	Web	Servicemember

11/22/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92105	Web

11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92115	Web

10/13/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 92040	Web

10/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92115	Web

09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92532	Web

09/21/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92530	Web

09/21/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 91917	Phone

09/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92530	Web

09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92115	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93455	Web

07/28/2022	Yes	Vehicle loan or lease Loan	Credit monitoring or identity theft protection services Billing dispute for services	CA 93720	Web

07/15/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	CA 92084	Web

07/06/2022	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	CA 92109	Web

06/21/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92126	Web

06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92131	Web

05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	CA 92126	Web