ComplaintsforUNIFY Financial Credit Union
Credit Union
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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
08/29/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
My account has been restricted and my documents are attached for verificationInitial Complaint
07/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
On 6/1/24, Unify advertised a bonus of $250 bonus for new members. The first $150 to be received for opening a checking account. An additional $50 to be received after a direct deposit of $500/mo. The final $50 could be received if 50 debit card transactions of at least $5 were made (screenshot of original offer with date stamp is attached). On 6/1/24, I opened a new Free Checking account with an initial deposit of $25. On 6/12/24, my employer made a direct deposit of $500. By 6/25/24, I had made more than 50 debit card transactions over the $5 minimum threshold. Between 6/1/24 and 6/13/24, Unify reduced the bonus offer by $100 so that the revised offer is now $150, not $250: The 1st $50 to be received just for opening an account. 2nd $50 to be received after the direct deposit. Final $50 received after 50 debit card transactions (screenshot of the revised offer is attached). On 7/1/24, 2 separate bonuses of $50 each were credited to my checking account. I first contacted member services online on 7/1/24. I was told that my account was ************************ only $50 for opening the account (not $150) plus $50 for my direct deposit and that I could earn an additional $50 with 50 debit card transactions of $5 or more within 60 days of opening. On 7/3/24, I called member services via phone. The first member service rep acknowledged that the bonus showed $150 at the time I opened the account and it is now showing $50. She told me that 1 of the $50 bonuses that I had already received on 7/1/24 was the direct deposit and the other $50 was for debit card transactions. She said I would not receive a bonus for opening the account because I was out the credit union's "footprint." There is no mention of a "footprint" nor any restrictions concerning qualifying for the account opening bonus tied to location. The 3rd service member rep only repeated what the online rep said.Business response
07/19/2024
Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for *************************. We take each complaint seriously and strive to resolve issues to our members satisfaction.****************** contacted UNIFY on 7/3/24 regarding promotional credits. His issue was escalated on 7/3/24 and his request was honored on 7/10/24. UNIFY attempted to contact him on 7/10/24 to notify him of resolution. We apologize for any inconvenience this may have caused. At this time, we consider the matter closed.Initial Complaint
05/17/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I received concerning notifications from Amazon about deliveries linked to an account I didn't create. Upon resetting the password, I found a debit card in my name, fraudulently opened. Despite my efforts, UNIFY Financial Credit Union, the card issuer, hasn't helped resolve this issue, leaving me vulnerable to identity theft.Business response
05/24/2024
Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for **************************************. We take each complaint seriously and strive to resolve issues to our memberssatisfaction. UNIFY conducted research and was unable to locate any account records or cards in Ms. *****Vanriels name. UNIFY reached out to her to discuss but was unable to reach her. A voicemail was left for her to contact us directly to discuss further. At this time, we consider the matter closed.Initial Complaint
05/15/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have a savings and checking account with **********************. the bank has blocked my access to both my accounts on-line and through there mobile APP. I filed a bankruptcy and that is the reason i was told i can't access my account. that makes no sense.Business response
05/24/2024
Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case # ******** for *****************************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY apologizes if ********************** was informed the reason for her online banking restrictions were due to a bankruptcy. We would like to clarify, that ***************** has access to view her account online, however, transactions online may be restricted due to causing a financial loss to UNIFY and that is why Ms.Dicksons online banking has restrictions at this time. As outlined in our Membership Booklet, UNIFY has the right to suspend services and/or accounts for defaulting on or having a delinquent loan, or for causing a financial loss to the Credit Union. At this time, ****************** may continue to conduct business on her savings and checking accounts by calling our ************** at ************ or by visiting a local branch. We apologize to ****************** for any inconvenience. At this time, we consider the matter closed. If you have any further questions regarding this matter, you may contact UNIFY at 1.************ and request to speak with our *******************Customer response
06/04/2024
Complaint: 21426847
I am rejecting this response because: the business didn't take a loss. that is why they have insurance. I have been with this credit union over ***** years. i was never given a booklet stating the response that was provided.
Sincerely,
*****************************Business response
06/18/2024
UNIFY Financial Credit Union (UNIFY) appreciates the opportunity to respond to Ms. ******** rebuttal. UNIFY sustained a financial loss due to Ms. ******** loans being discharged in chapter 7 bankruptcy. Credit unions are not-for-profit organizations and losses directly affect the entire membership. The National Credit Union Administration (****)Share ************** only protects our members shares on deposit if UNIFY were to become insolvent.The **** Share ************** is for the protection of the member, not the Credit Union. The ****s Share ************** protects membersaccounts in federally insured credit unions in the unlikely event of a credit union failure, and covers the balance of each members account,dollar-for-dollar up to the insurance limit. More information can be found by visiting the **** website, ***************************************************.
As for the Membership Booklet that was referred to in UNIFYs first response, every member is given a copy at the time of account opening and it is available to view any time on our website. It may be found by following this link: ********************************************************************************************* ****************** would like to further address the matter, she may reach out to the ****************** at ************. At this time, we consider the matter closed.Initial Complaint
04/29/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Unify doesn't let me close my account although there is no activity on the account for many2 years. I cannot withdraw the $ 5 account balance on the account since it was deposited by the federal credit union when I open the account. I don't want the $ 5 deposit at all.All I want is to close the account and not being charge $ 5 per month for account inactivity.I'm asking BBB for help with closing this account.Thank you.Business response
05/03/2024
Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding complaint number ******** for ***************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY conducted research and was able to fulfill the request to close the account. *************** has been contacted and all needs have been satisfied. At this time, we consider the matter closed.Initial Complaint
04/21/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am writing to urgently request assistance with accessing my late father's accounts at **********************. As the designated power of attorney for my incapacitated mother, I submitted the required DPOA documentation on March 27, 2024, and received confirmation of its receipt on March 29, 2024. Despite assurances of a 1-2 business day processing time, I have yet to gain access or receive any update.Repeated inquiries on April 2 and April 12, 2024, have resulted in promises of contact within 1-2 business days, yet no follow-up has occurred. Efforts to escalate the matter were met with a disconnection under the guise of audio issues.The lack of communication and access has placed my mother's financial well-being at risk, with overdue bills and inaccessible social security income as immediate consequences. Given the absence of progress through provided channels, I am left to consider legal recourse.I implore Unify Financial Credit Union to immediately contact me with an update on my father's account access. Your prompt resolution of this matter is crucial.Business response
04/24/2024
Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for *************************. We take each complaint seriously and strive to resolve issues to our members satisfaction.UNIFY has confirmed with ****************** that a proper resolution has been met to his satisfaction. At this time, we consider the matter closed.Initial Complaint
04/19/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I opened an account with them several years ago when there was no minimum balance required. Their policy changed at some point, unbeknownst to me. I contacted them to close my account and was told the money I had was depleted by service fees and the account was closed when the balance was zero, again, without my knowledge the entire time. I was told a manager would contact me within 48 hours, but that was over a week ago. Shameful!Business response
04/24/2024
Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for *************************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY conducted research and reached out to ***************** on 04/23/2024 to confirm resolution. A check was mailed to the member on 04/24/2024. We apologize to ****************** for any inconvenience. At this time, we consider the matter closed.Initial Complaint
04/16/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I am not liable for this **** with UNIFY FCU FKA WESTRN FCU I do not have contact with UNIFY FCU FKA WESTRN FCU they didnt provide me with the original contract as requestedBusiness response
04/24/2024
Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for *****************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY conducted research and our records show that *********** applied for a personal loan on 3/18/2024. When applying for a loan, it is disclosed and agreed upon that credit will be pulled to proceed with the application. ************ agreed to this disclosure. On 3/19/2024, ************ called our ************** to follow up regarding the status of the loan application.The loan was denied, and an Adverse Action notice was mailed on 3/21/2024 with the reasons for UNIFYs decision. No loan was created for ************; therefore ************ is not indebted to UNIFY.
UNIFY Financial Credit Union is obligated to report accurate and complete information. As such, we have reviewed all relevant information provided and completed our investigation into this matter. Based on our investigation, UNIFYs pulling ************** credit was done properly and accurately, as required under the Fair Credit Reporting Act.
At this time, we consider the matter closed.Initial Complaint
03/28/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Your Company : UNIFY FIN CU is furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.UNIFY FIN CU *********** Balance Owed: $425Business response
04/01/2024
Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case # ******** for *************************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY has conducted extensive research for ****************** on multiple occasions. In compliance with the Fair Credit Reporting Act, all information being reported to the credit bureaus is complete and accurate. On 02/26/2024 UNIFY mailed ****************** a copy of the signed loan agreement and statements proving the validity of the account being reported. ****************** may contact us with any further questions or concerns.At this time, we consider this matter closed.Initial Complaint
03/12/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I paid off a car loan in January 2024. I requested my account be closed and a check issued for those funds be sent to me. I was told the check was mailed on January 12, 2024. I did not receive said check. I called the company to request another check be issued. I was sent an indemnity form which I filled out and sent back. I was then told it could take up to 90 days for another check to be issued. This is totally unacceptableBusiness response
03/19/2024
On January 10, 2024, ********************* requested her account be closed and authorized UNIFY Financial Credit Union (UNIFY) to mail an Official Check to her address on file for the remaining funds. UNIFY completed her request on January 12, 2024. ******************** stated she did not receive the check and notified UNIFY on February 5, 2024. UNIFY received an Indemnity Agreement from ******************** on February 9, 2024, and a new Official Check was issued on February 12, 2024. We have been in contact with ******************** and the issue has been resolved to her satisfaction. At this time, we consider the matter closed.Customer response
03/26/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
*****************************
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Customer Complaints Summary
39 total complaints in the last 3 years.
16 complaints closed in the last 12 months.