ComplaintsforGECU

• Initial Complaint

  08/22/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  The date of the transaction happened for July 2024. I forgot to make a payment in which the business did not try to reach out to me to collect the payment of my credit card The business GECU Let me the default on the payment. Let my payment default for 60 days and reporting it to the credit bureau. I contacted them asking them. Why wasnt I Notify that I had a late payment and why didnt they try to reach out to me so I can give them the payment? I called the customer service for the ********************** card I asked if they could help me remove this link for my cardio course since I gave the payment and I wasnt notified in the proper time. They said they couldnt help me. I had this credit card for nine years. I have never missed a payment. And instead of taking care of their customers to make sure this isnt effective ********************** score they did nothing

  

  Business response

  08/30/2024

  GECU reached out to ************** to discuss the details of the correspondence and addressed his concerns. *******************************, Vice President of Collections spoke with **************, he was satisfied with the outcome and was provided with direct contact information for GECU for any future inquiries. 

  Customer response

  09/06/2024

   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.

• Initial Complaint

  02/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have an auto loan with GECU. Originally, the loan was set to be withdrawn on the 1st of each month because I was paid monthly at my place of employment. This however changed, and I'm paid bi-weekly. I called GECU to change my payment date to the 16th of every month. I had to call them 4 times to to get this done because they kept charging me on the first of every month still and causing me to be over-drafted. Now the payments aren't being withdrawn at all and every time I call it takes at least 20 minutes to get a hold of anyone. This is the worst customer service experience I have ever had.

  

  Business response

  02/23/2024

  ************** was contacted by GECU ******* Center Assistant Manager, *********************, in regards to the automatic payments set up for his GECU auto loan. Mr. ****** concern was resolved and he was provided a detailed explanation of what occurred. He was satisfied with the follow-up and resolution. He was provided a direct extension and email address to the ******* Center Assistant Manager for any future questions or concerns.

  Customer response

  03/07/2024

   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.

• Initial Complaint

  10/02/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  My name is ********************* and I am writing this complaint on behalf of my mom *********************. GECU has completely taken advantage of my mom and her financial situation. My mom, ********************* is a 67 year old retired women living on her retirement. She earns $1k monthly, however GECU has decided to put her on so much debt without reason. GECU decided to give her a credit card with a 20k open credit and have let her used this card without remorse of how much debt she can get into or how she will be able to pay them back. My mom had also purchased a 2016 ******* Santa Fe back in 2016. She worked really hard to pay her vehicle. However, GECU is holding her title. GECU decided to finance a 2nd vehicle in 2020. At that point my mom was already retired and earned 1k per month. GECU however, decided to finance a 40K vehicle, they made her sign a contract in a language she does not speak (English), they never told my mom she was using her other vehicle as collateral, and they made her attest to a 6k monthly income which she did not earn. They never asked for proof of income, and they still decided to finance her a 40k vehicle. April of this year my mom had to return the vehicle financed in 2020 and she paid off her vehicle from 2016. GECU is now refusing to release her title for her paid off vehicle, they are using harsh, threatening collection techniques, and have caused so much stress to my mom that she has landed in the hospital twice. Her title for her paid off vehicle needs to be released. They completely mislead her and took advantage of her.

  

  Business response

  10/10/2023

  We have attempted to contact **************** to address her inquiry; unfortunately, we have not been successful. Our records indicate we have discussed the details of **************** concern with her on several occasions and offered solutions to her which she did not accept.  GECUs goal is to work with our members and find viable solutions when a member has a unique situation or concern. We would like to speak with **************** to revisit possible options and hopefully reach a reasonable solution for both parties involved.  We ask she contact our Collections Manager, ******************************* at ************** or via email at ********************************************

  Customer response

  10/12/2023

   I am rejecting this response because:
  GECU never gave any options to resolve issue.  I asked to help me with a settlement and they denied threatening to pick up my paid off vehicle saying they could get more from the vehicle than the settlement offer I made.  I need my title of my paid off vehicle to be released.  They cannot hold on to a title of a vehicle that is paid off.  Once again, GECU put me on so much debt by approving excessive amount of loans which clearly didn't match my income.  Once GECU releases the title of my PAID off vehicle, I can make arrangements to work a payment plan with them.  
  
  

  

  Business response

  10/19/2023

  **************** surrendered the collateral securing a GECU loan because she stated she could no longer afford the payments.  GECU discussed the process of surrendering the vehicle with her at this time and made her aware she would be responsible to pay on any balance remaining once the vehicle sold. At this time she assured us she would satisfy the obligation in full in accordance to her signed loan contract. After the sale of the surrendered collateral was finalized we attempted to contact her to discuss her promise to pay on the outstanding balance for the collateral she surrendered but we were not able to establish an agreement or arrangements. Shortly after this, **************** and her son contacted GECU inquiring about a title. At this time GECU was advised **************** was no longer willing to pay the balance owed. **************** and her son were then advised GECU would not release the title until the balance owed was paid. **************** mentioned she was considering borrowing against the title, selling the unit or trading it in. GECU reassured **************** they would assist her with any one of these options and work with the third party as needed to complete whichever transaction she decided on. She then offered a settlement to pay 55% of the balance owed. GECU did not accept the settlement offer as it is our obligation to collect on money owed to the credit union. We encourage **************** to contact our Collections Manager, ******************************* at ************** or via email at ******************************************* if she wishes to revisit the solutions previously discussed. 

  Customer response

  10/20/2023

   I am rejecting this response because:
  The collateral surrendered has nothing to do with the vehicle that is paid off.  We made many attempts to resolve the balance but GECU refused to release a title of a vehicle that is fully paid off!  The vehicle paid off was never used as a collateral for any other loans I had.  GECU is admitting on putting me on a high amount of debt that according to my income, I could not keep up with.  Why would GECU signed off on a 40k plus loan to someone who collects $600 on social security.  I was going to find ways to get a loan on my PAID off vehicle but GECU refuses to release my title.  I will be more than happy to work an arrangement with them once they release the title for my PAID off vehicle which has nothing to do with the debt.  
  
  

• Initial Complaint

  08/29/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I received a call on 08/29/2023 by GECU Collections agent by the name of ****. I was advised if I didnt Pay $509 today on a personal loan, GECU would repossess my vehicle. I have never missed or been late on my car payments. Last month I got a called by GECU as I had fallen behind on a separate loan payments due to loss of employment. I explained to them my situation and was told to make a payment of $170 so that they wouldnt repo my car which I did made the payment on 7/31/23 for $170. Today they called me telling me either I pay $509 or they will repo my car.. I asked if they could give me an extension to make the payment in two weeks when I get paid since I just paid my rent and wont get money until 2 weeks and they stated no. $509 is about half of the entire loan. My car is its own loan which is up to date. I have been making payments and they still want to repo my vehicle.

  

  Business response

  09/06/2023

  We attempted to contact Mr. ********** via phone and email to address his concerns, however, we were unsuccessful.  GECU makes every effort to communicate with our members to provide options and solutions when considering to exercise our right to cross collateralize as stated in our loan contracts. We ask Mr. ********** to contact our Collections Manager, ******************************* at ************** or via email at ******************************************* to discuss this matter further.

• Initial Complaint

  08/10/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  GECU bank charged me overdraft fees without being negative in my account. They said I was negative but they took long to process before I was able to put money in there so they just charged me without being negative 3 times. Then they continue to hold small charges for days to charge more fees based on date, by holding my army check until the day after when they have always gave it to me the night of the day the money goes into my account. I have a recording of them going back on what they said and changing it to benefit the bank. I am sure I am not the only one they do this to. 120 of chargers a month without being negative is insane.

  

  Business response

  08/15/2023

  GECU ************** Manager, *****************************, has reached out to ****************** via phone and email to discuss his concern regarding the overdraft fees on his account.  She has been unable to make contact with him, but has left a message with her contact information.  GECU would like an opportunity to resolve the issue with ******************. Our GECU ************** Manager can be reached at ************.

• Initial Complaint

  08/03/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Bad banking handling on gecus part

  Customer response

  08/04/2023

  Unapproved transactions and money took from a transfer that they thought was a withdrawal 

  

  Business response

  08/15/2023

  Upon receiving this complaint, GECU has made several attempts to contact **************** to discuss the details of his concern. Unfortunately, these attempts have not been successful. We would appreciate the opportunity to have a more in-depth conversation with **************** and kindly request for him to contact **.  **************** may call *****************************, Vice President of Payment and ****** Services, at ************ at his earliest convenience.  

• Initial Complaint

  07/20/2023

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  I am not liable for this debt with Gecu, I do not have a contract with this collection agency, they did not provide me with orignial contract as requested.

  

  Business response

  07/28/2023

  We have attempted to communicate with **************** through email as the phone number listed is incomplete but have not received a response from her regarding the matter. GECU does not have any records or her requesting contracts but will gladly provide them at her request. Please contact our Collections Manager, ******************************* at ************** or via email at ******************************************* at your convenience.

• Initial Complaint

  07/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Early Jan. 2022, I went to *********/North Loop ***** to advise I was constantly getting locked out of online banking, my statements were not arriving in the mail, and my mobile alerts suddenly stopped. I suspected account was compromised and was given printouts for the last month of transactions, changed my debit card, confirmed mailed statements until i was able to get back online, etc. I soon Within a returned to bank, was given the # for card disputes, the lockouts online were still happening, by March '22, I had to go to branch for printouts, suspicious activity was increasing, I kept getting ping ponged back to the ************** who advised that bank was to handle subscription/recurring charges, bank disagreed. By May, I was in a full blown panic since I was now getting default, nsf or stop payments on things i would never submit if I wasn't confident funds were covering my expenses. *****, the manager at the time made a phone call to find I was being billed by GECU for a cash advance from **** when I didn't even live in ***** in **** and never took a cash advance from anywhere. Nobody helped to safeguard my financial assets and was too busy to look into options to handle fraud outside of the "text message scam" options OR PRIVACY when I begged for a private room and telephone to speak with someone else at GECU, they wouldn't close account since I had a line of credit still due and i was making payments on, my debit card was replaced at least 4 times in October alone and even the AIrway branch advised "we don't make appointments to assist members in (my) situation". Or "No, we cannot help you" since my driver's license was in process of being replaced and was taped together (all pieces visible and aligned and other forms of non-picture ID was taken, had my debit/CC, and a mountain of papers with me), and they didn't give a **** about the problem that will likely effect MANY members! "We're with you" is their motto... They are WITH new business, that's IT!

  

  Business response

  07/14/2023

  ****************** was assisted by our employees on several occasions regarding her account and transaction history.  Time was spent reviewing ********************** statements and reconciling her accounts.  In addition, she was assisted with online banking access, completing disputes, and debit card issuance. After these discussions, it was determined all transactions in question were resolved at that time. The GECU management team has been unsuccessful at reaching ****************** to set up the appointment she is requesting.  She may contact our Regional Manager ******************************* at ************ to set up this appointment.  

• Initial Complaint

  06/07/2023

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  Dates: ***** June, 2023 - and others previously.4 Repeat ODP NSF FEE(s) totaling $29.50 EACH within less than 36 hours.The business advertises that it is The Credit Union That Puts You First. It puts chances to deduce your income first, not you.Nature of the dispute is poor accounting practices reflected in the app, and bullying through compounding fees and lack of notifications.The business only refunded one of four, charging me $88.50 (with others previously).I have attached a screenshot of the dates in question - if you follow the flow of funds as reported on the screenshot - youll see that I would have had funds if not for the aggressive improperly timed fund deductions, which also conflicted with my current and available balances as shown on the app. I am requesting a complete refund of all fees, and to likely withdraw all funds, and eventually close accounts if this how how they Put You First.

  

  Business response

  06/08/2023

  **************** was contacted by GECU ************** Manager, *****************************, to discuss her concern regarding overdraft fees on the account. **************** was provided a full explanation of how transactions clear the account and opted in to balance alerts. As a courtesy, all fees on the account were reimbursed. **************** was satisfied with our follow-up. She may contact our GECU ************** Manager at ************ for further questions or concerns.

• Initial Complaint

  05/12/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  In late 2022 I contacted GECU to ask about a deposit activity to a checking account I held with them. At the time they informed a fraudelent check was attempted to be deposited and asked if I knew the person who tried to deposit. Due to emotional distress around this situation I agreed to knowing the person however I do not have knowledge of whom could have attempted a deposit into my account via mobile services. As I was seeking to secure a replacement card on a line of credit I hold with GECU I was informed no services could be rendered due to the fradulant activity. However when I asked if the credit line can remain open, I was informed it would be closed soon due to inactivity which will cause me to lose 7+ years of good credit history. I am seeking for GECU to review the online activity and confirm server/date/ location and time the alleged check was deposited as I have only been in the ************ area in the last 24 months.

  

  Business response

  05/19/2023

  We have reviewed the correspondence submitted to the Better Business Bureau by ****** *****************. The member was contacted and provided her information regarding the dispute.  ****************** concerns have been addressed.

*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. ↩