ComplaintsforUNIFY Financial Credit Union

• Initial Complaint

  01/23/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They keep piling insufficient funds fee when a company tries to take money out of my account. They also accepted the charge of $292 on my debit card even though my account is severely overdrawn.

  Business response

  03/16/2022

  Business Response /* (1000, 5, 2022/02/23) */ Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Compliant Case #******* for ****** ******. We take each complaint seriously and strive to resolve issues to our member's satisfaction. UNIFY reviewed the account transactions and found all NSF fees were properly assessed in accordance with the disclosures provided at account opening. Although not obligated to, we refunded a majority of the fees as a show of good faith. Regarding the $292 debit card transaction referenced in the compliant, UNIFY has not received any report of dispute or unauthorized use to indicate the transaction should not have been paid. The member is responsible for ensuring funds are available in the account before initiating a debit transaction. In order to close the account as requested, the member will need to deposit funds to bring the account to a $0 balance. Our attempts to discuss repayment options has not generated a response from the member; therefore, we consider this complaint resolved. UNIFY appreciates this opportunity to review and respond.

• Initial Complaint

  01/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  i was due a refund for my claim #XXXXX in the amount of ********** The rep at unifyfcu *****, was very racist and disrespectful and did not process my claim as was promised. I won the claim and was due a full refund for not recieving an item with amazon.com. her email and information is listed below... i was due a refund for my claim #XXXXX in the amount of ********* ***** ********** Card Services UNIFY Financial Credit Union Office: ************ Option 1 Ex. **** *** ************* *** **************** <*****************************> Dec 6, 2021, 10:43 AM to me Dear Mr. ***** As a courtesy I have processed your claim for Credit Not Received. A refund will be due back to you upon winning the claim. We will keep you apprised of any developments. Regards,

  Business response

  02/28/2022

  Business Response /* (1000, 5, 2022/02/11) */ 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 member's satisfaction. We acknowledge Mr. *****'s frustration regarding not receiving the merchant refund from Amazon in a timely manner. It is unfortunate that Mr. ***** felt that he was treated unfairly. Management reviewed the recorded calls and email correspondence between the member and our Card Services representative and did not find any inappropriate conduct on the part of our representative. The merchant dispute was processed in accordance with Visa Rules and UNIFY is pleased to share that Amazon did provide final credit to Mr. ***** on January 31, 2022, resolving his claim. We trust this resolution is to his satisfaction. UNIFY appreciates the opportunity to review our member's concerns and respond.

• Initial Complaint

  12/13/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  So I've now received emails welcoming me to Unify Credit Union which is great however, I still know nothing about the benfits of my checking and svings accounts. I have now made several phone calls and emails to this bank but to no avail. the latest example was today talking to a woman by the name of "T"- at least that what she said that her name was and I had asekd her what interest rates I make money at with monehy in my checkings and savings accounts. She said that she had to send me the link to get the mobible app online with the code. I do that, the link she gives me is the same link to the app for Credit union(s) and not just unify, although she claimed that I would need to do it through the link she'd send. As I'm now in the middle of trying to set this up, I still do not get the answers to my questions of needing to transfer money over to my unify accounts and she is telling me to do this first. the phone of course disconnects and she never even calls me back. Why is she even asking me to verify my cell phone from before if she doesn't even call me back? of course, I am calling again like before several times waiting on hold for longer than 15 minutes at a time. Is it time to quit this group? Am I going to be able to get a person I can contact directly, because this current set up is absoulutely ridiculous...

  Business response

  05/02/2022

  Business Response /* (1000, 5, 2022/03/25) */ Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Compliant Case #****** for ******* ***. We take each complaint seriously and strive to resolve issues to our member's satisfaction. UNIFY regrets that the member's call was disconnected prior to completing her inquiry and for the subsequent wait time to speak to a representative. Our Contact Center management team has attempted to contact Ms. *** to address her concerns and has provided direct contact information to enable her to bypass the call queue, but to date she has not responded. We encourage Ms. *** to refer to the disclosures provided at account opening or our website at UNIFYfcu.com for information on our share products and current dividend rates. Additionally, we invite Ms. *** to enroll in free online banking to view her account and send secure messages to UNIFY if she has additional questions. UNIFY appreciates this opportunity to review and respond. Consumer Response /* (3000, 7, 2022/03/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) Im sorry but as suspected this group is a joke. They're falsely claiming I never responded back to them when I replied to their email from 3/18/2022 on the same day at 3/18/2022. No one likes repeating themselves and even their response below ignores the reason why I had to reach out via phone (after they hung up on me and never called back) in the first place. How can I do online banking when they wont even give this info to me every time I call? So 1) they're fabricating and the story that I never replied back to them, when I did. 2) they never responded back to me 3) I continue to this day to not have my account info. 4) they wont take responsibility for twisting my arm in the phone and hanging up on me Now I'm closing this account. Best of luck to this organization. Business Response /* (4000, 9, 2022/04/13) */ Regarding Compliant Case #****** for ******* ***, it is unfortunate that we have been unable to connect with the member. We have recorded call logs and emails to document our attempts to work directly with Ms. ***. Our latest attempt on April 7, 2022 included a phone message, email, and a postal mailing of the latest account statement with instructions on how to enroll in free online banking. UNIFY is committed to providing the highest level of service to our members and we have made every effort to resolve Ms. ***'s concerns. UNIFY appreciates this opportunity to review and respond. Consumer Response /* (4200, 11, 2022/04/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) Although I have indeed replied back to unify's emails, answering their questions, they somehow still manage to make the false claim that I never answer them, which clearly is not the truth. I don't know how else to tell this to them in another language. It's like talking to a wall, which still remains a red flag in this organization and for sure their claims that « ***** is committed to providing the highest level of service to our members and we have made every effort to resolve *** ***'s concerns. « , are clearly untrue since they continue to not be willing to correspond back with me via the responses I already gave them in response back to their emails. That leaves me with nothing else I can do from my end to account for their continual behavior and attitude. Thé damage and as already done when they chose to ignore me with the calls and hence invited me to write to the BBB in the first place. But what's worse is now they don't even know how to respond back to the customers reply to their original emails. I definitely don't need to hear any more BS from the constituents that work at unify, much less more of theirs on the phone. Most people can be very covert manipulative. They'll try to get you on the phone with them (again) to lower your guard and get you to trust them to 'open up' again to them, and in turn, they'll *** you for doing so after getting you to lower your guard. It is clear how shady some of these banks operate including this one, and I have no desire to get into any further entanglement with them, nor do I have the energy or time. Best of luck to them. So much for delivering the 'Highest level Of service'. And making continual false claims that they've tried every thing they can when they refuse to email me back after emailing me.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩