BOEING EMPLOYEES CREDIT UNION

2016-03-21

Camano City, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Lynnwood, WA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Galena, OH

Managing the loan or lease

Consumer Loan: Vehicle lease

Complaint: Loan amount was for {$7400.00}. Due date was XX/XX/XXXX. Payment was received on XX/XX/XXXX for {$7400.00}. They are now trying to collect {$73.00}. They are calling the lendee 's work. The company is Boeing Employee 's Credit Union. They were chosen for this car loan by XXXX of XXXX in XXXX Washington
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

Beacon Hill, WA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-25

Redmond, WA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-23

Bellevue, WA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Seattle, WA

Credit card protection / Debt protection

Credit card:

Complaint: Subject : BECU VISA Credit Card Compromised Again My BECU ( Boeing Employees Credit Union ) VISA card has been compromised for the XXXX time in 5 years. This most recent compromised happened despite it being one of the new " Chip and Pin '' cards. Action needs to be taken to better protect us cardholders from credit card fraud and from the enormous, time-consuming hassles to replace the compromised card. Each time I 've been hit by fraud I must ( 1 ) get and activate the new VISA card, ( 2 ) switch all my direct auto pays from the old card to the new card, ( 3 ) deal with delinquent payments and late fees, ( 4 ) check all XXXX credit scoring sites, lose my online credit card activity associated with the fraud-impacted card repeatedly. I live in XXXX locations throughout the year ( XXXX in XXXX State and XXXX in XXXX, XXXX ). I occasionally ( frequently ) receive phone calls from VISA credit card security questioning recent charges. The XXXX recent fraudulent charges were made in XXXX, XXXX at a grocery store and a convenience store which should have immediately raised flags but did n't. I feel I have taken all the recommended steps to protect against credit card fraud, but I am again and again forced to jump through the hoops of compromised card replacement. I use a separate " online '' VISA card which surprisingly but gratefully has n't been compromised. I have the new " Chip and Pin '' security VISA cards. I scrutinize VISA charges. What more can I personally do? I am most disappointed that I must repeatedly run this very time-consuming gauntlet to switch cards and that there is no apparent consequences for the perpetrators of the fraud or the businesses where it occurs ( aside from a transaction charge-back ). Should n't credit card companies be required to facilitate the card switching resulting from credit card fraud?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-30

Federal Way, WA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XXXX XXXX, I opened a BECU checking/saving account for my XXXX-yr-old daughter, and at the same time co-apply for her a XXXX credit card. XX/XX/XXXX, I noticed the credit balance reached the limit ( {$500.00} ). I called my daughter and discovered some fraud charges. So I call BECU XXXX department and got credit back within 5 days. BECU cancelled the old cards and sent us XXXX new cards a week later. As soon as those cards activated around XX/XX/XXXX, more fraud charges were posted on the account. My daughter called BECU XXXX to report. They asked her to pay her portion ( {$74.00} ) and put the rest on a claim for investigation. three weeks later, there is no answer. We came to the bank, XXXX/XXXX/XXXX, and was asked to fill-out a fraud claim form. Two weeks later, I called for status, BECU agent asked me to file on-line with her on XXXX/XXXX/XXXX. Two weeks later, I called again XXXX/XXXX/XXXX. And here is the answer from BECU : " We are still working on your claim. It usually takes about 10 work days. Your claim took too long because during the holiday we have too many fraud cases. BECU does n't know when your claim is going to end. ''
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-27

Cascade, WA

Fraud or scam

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-15

Seattle, WA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Seattle, WA

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Seattle, WA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am writing to complain against BECU 's punitive and uncompromising charge of {$25.00} against a transfer I tried to make and which BECU rejected for insufficient funds. On XXXX, I tried to make an overseas deposit for {$1000.00} using the XXXX. I requested XXXX to cancel the transaction immediately on XXXX when I realized that I ordered the transaction from the wrong bank account, but it appears that XXXX did not honor my request. I called XXXX and they said they were looking into the issue. Today I called BECU.org and explained my problem and requested a reversal of the charges but they refused. My complaint is that although BECU rejected my transaction, the BECU Credit Union still fines me {$25.00} for the transaction that they dishonored. I would have understood if BECU honored the transaction by giving me an overdraft and then charging me a fee, but they did not. I have had an account with BECU for a while, and I have never had a failed transaction. BECU prides itself as a CREDIT UNION, and it proudly advertises itself as more caring and friendly to its " members '' not " customers '' as the big banks call us. I suppose the word " members '' to BECU means the same as the word " customers '' to the big banks ; it 's just a matter of semantics ; the word " members '' sounds friendly in need and not in deed, because the bottom line is the same : " we, your friendly credit union, will not give you, members, a first time warning, but PUNISH you with an unreasonable fee even if you make a transaction that does not go through, and even if we ( BECU ) do not incur any loss of funds on our side, and that is the rule and that is how we treat our MEMBERS. '' I find this policy punitive and disrespectful and BECUs business practice loathsome and as pleonexic as the big bank 's policies. Please help me recover my money.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-01

Bonita Spgs, FL

Dealing with my lender or servicer

Student loan: Non-federal student loan

Trouble with how payments are handled
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Marysville, WA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-11-28

Bellingham, WA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-11-03

Lacey, WA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-24

Marysville, WA

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-10-22

Lacey, WA

Incorrect information on credit report

Credit reporting:

Personal information
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-10-15

WA

Credit card protection / Debt protection

Credit card:

Complaint: fraudulent charge showed posted to my credit card account. Charge XXXX XXXX FL.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-10-08

Snohomish, WA

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-09-19

Seattle, WA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I got on a bus and a man approached me striking up a casual conversation. He sounds like a good guy and it seems like we are getting along well. After I get off the bus he follows me and asks me where I am headed. I point in the general direction and he also says he is going in the same direction. We continue talking and I begin to try to get away from him but he stops me and asks for my name. I give him my name and he gives me his. Then as I turn away he asks if I he could get XXXX dollars to ride the ferry. At the moment I have no cash and I tell him no. He insists that he needs some cash or he will have to stay the night downtown and that he has a 9 year old at home alone. So I figured he was a nice guy so why not go to an atm and get XXXX dollars for him. When we arrive to an atm I go to get the money as I punch in my code I do n't notice how close he is to me. He stops me and takes control of atm from my right side and asks me if i withdraw money at all that day. I say XXXX bucks earlier then he tells me he needs XXXX dollars and that I have enough to spare. I hesitate and I do n't know what to do or how to respond and before I know it he has XXXX dollars in his pocket. We walk out and I do n't know what to do. This man is way bigger than me and I ca n't do anything to him physically and he is still hanging around me. He convinces me that he is going to pay me back the next day and he gives me his number and gives me a time and place to meet a XXXX time. At this point I am really hoping he will pay me back and having had an hour conversation he seemed like the guy that would. Next day I go and meet him expecting him to pay me back. At this point he pulls out his phone and tells me I need to show him my debit card and he can do it electronically. I am confused and suspicious and I ask him why he needs my card. He says, " just swipe to get the transfer info '' so I pull out my card. He takes my card and swipes it. And then says he ca n't give me back my card for awhile because he needs to get the transfer through. Again he tells to see him the next day and refuses to give me my card. At this point I want to call the police but I do n't know if I can because I gave him the card. He assures me there is nothing to worry about and that my money will be back by the next day then he rushes off before I could do anything. I follow him for awhile then I lose track of him. Frustrated and confused, not knowing any of my rights as a citizen, I do n't know what to do. I get home and check my bank account and I have lost XXXX dollars within 2 days of meeting this man. He was still using money frequently and so scramble to find answers online. I find some info tells me to contact the bank and cancel my card and to call the police. The damage is done and its really late but I call my bank anyways. I am able to cancel my card but the guy contacts me trying to get information about my card, telling me to unblock it. I play stupid and tell him I do n't know what is happening. He wants to meet again tomorrow to " Solve '' this problem and I am really scared. I do n't know what to do and if I can call the cops on this guy. I do n't know if this is classified as a scam or identity theft but I feel like I ca n't do anything about it. I know the guys first name, where he says he works, and i have his phone number. I feel like I was being nice at first. Then he just kept taking advantage of me and I have really bad anxiety so I 'm scared to say NO even if I know I should.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Untimely Response

2015-09-17

Antonino, KS

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-05

Portland, OR

Can't repay my loan

Student loan: Non-federal student loan

Can't temporarily postpone payments
Complaint: The terms of my private student loan with BECU were changed without my knowledge. When I began paying back my student loans XXXX have never missed a payment ) in XX/XX/XXXX I had up to XXXX XXXX month forbearance periods available to me. In XX/XX/XXXX I became unemployed and reached out to my lending institution letting them know that I would like to opt for the XXXX month forbearance available to me. They told me that they were no longer offering these forbearance periods and I would need to figure out how to pay. For XXXX months I barely made my payments of {$600.00} per month on unemployment checks ; until I was lucky enough to find employment again. I feel violated by those periods of forbearance being taken away from me. Those periods of time were a safety net for me as a financially independent young adult who holds {$80000.00} in private debt. Is the institution allowed to do this without notifying me? If they did notify me in a monthly payment contract opt in is that predatory?
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-04

Bellevue, WA

Credit determination

Credit card:

Complaint: Approximately two weeks ago, I applied for a {$500.00} credit card as a cosigner for my college student. Although my credit score is exceedingly high of XXXX and I already had a personal credit card with this credit union for over 20 + years and have demonstrated ability to pay off debts fully each month with my own assets, I was denied credit. Reason being that my debt to income was too high. I have been a stay at home parent for the last 18 years and was told I could only include my own personal income for the application. Of course, being a stay at home parent, I could only put down my own interest and dividend income according to the credit union. I was told that even though it was denied, the application would be sent to a loan officer for review and I would be notified within 4 days of the status. After not hearing from Boeing Employee Credit Union for quite some time I called them on XXXX XXXX and inquired about the credit application. I spoke with XXXX and she confirmed it was denied due to debt to income ratio being too high. I spoke with her regarding the CFPB that states I should be able to include my spouses income on the application because I have reasonable access to his working income and reside in XXXX the XXXX community property states - Washington state. I was told I could not include my spouses income without his name on the application if applying for credit in my own name. I then told her I would file a complaint with the Consumer Financial Protection Bureau which she was not familiar with. I later received a call from XXXX from the underwriting department and she said that they would process the credit card application due to the fact that I do show the ability to pay and that I had been a credit union member for a very long time. I again asked her about the CFPB which states that I should have the ability to include the spouse income on the application since this is a community property state and I have Access to the funds. Again I was told that I can not include spousal income without his name on credit application. My concern is that from my research on the CFPB website and the credit card act of 2009 that was later amended to protect consumers, specifically women or men that stay at home,1 ) compliance Is NOT being followed by Boeing Employees Credit Union ( BECU ) and discriminating against stay at home parents who have high credit rating and have demonstrated ability to pay. 2 ) BECU is NOT in compliance in regards to consideration of spousal income in the community property state of Washington. It is my understanding that for credit card applicants who are XXXX or older, the Bureau 's revision allows card issuers to also consider third-party income if the applicant has a reasonable expectation of access to it. The rule applies to all such applicants regardless of marital status, and the Bureau expects that it will ease access to credit particularly for stay-at-home spouses or partners who have access to a working spouse or partner 's income. I have not yet received the credit card which was verbally agreed upon to be processed on the phone. However, I do expect it should be in the mail soon. What I expect from this complaint is that BECU reviews their procedures and make the necessary changes to ensure that they are in compliance with the CFPB current credit ruling to protect consumers and not discriminate against applicants.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-24

Broadway, WA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response