BOEING EMPLOYEES CREDIT UNION

2015-07-17

Federal Way, WA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2015 we disputed an unauthorized set of transactions on a joint account held at BECU ( credit union becu.org ). This was done via my wife 's debit card so the dispute was done under her name but it 's a joint account in XXXX of our names. On XXXX/XXXX/2015 BECU notified us they were crediting the account and would notify us in writing if anything further was needed. When examining my XXXX 2015 statement ( approx XXXX/XXXX/2015 ) I discovered the credit ( XXXX $ ) had been reversed. I then went into BECU on XXXX/XXXX/2015 to inquire and was told they had mailed us a letter in XX/XX/XXXX we 'd not responded to so they reversed it and it was closed. They then claimed there was nothing further to be done. We never received a letter and BECU can provide no proof that we received this letter either. A new copy was provided to us on XXXX/XXXX/2015 showing it dated XXXX/XXXX/2015 and claiming we had until XXXX/XXXX/2015 to respond. This was unacceptable to me as we never received this letter they claim to have sent and once I did discover the reversed charge went back to inquire within a reasonable timeframe. Statements close on XX/XX/XXXX so on XXXX/XXXX/2015 when I went into the branch to question this it was still within XXXX days of my notice of this charge. BECU easily could have prevented this issue by ensuring this written communication which has a very short time frame ( less than XXXX weeks to respond ) was handled via a tracked mechanism. i.e. certified mail, XXXX, etc. There 's been no proof offered this letter ever was sent to us at all beyond their claim of it having been sent. We did file the required paperwork with them immediately disputing the charge ( i.e. within the required XXXX days ).
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-06

Cascade, WA

Managing the loan or lease

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2015-06-19

Renton, WA

Credit line increase/decrease

Credit card:

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

Disputed: Yes Timely Response

2015-06-19

St Joe, AR

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I request to dispute the payment late for XXXX days that has been appearedIn my credit score information. I have some reason why I late to pay. The reason is when I got accident my insurance company said thatThey will pay off my car so I delay my payment. The XXXX reason are I have already pay for the insurance full coverage withXXXX XXXX but my lenders which is BECU still charged me for full coverages insurance. In that time I need to pay XXXX for the insurance. After I talked to themThey said that they will reduce my monthly payment but the monthly paymentStill in the same amount. Then I delay again my payment. Thanks for ur attention. I ll wait for ur best resolution and suggestionBecause this case has already ruined my credit score so much.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-11

Federal Way, WA

Credit card protection / Debt protection

Credit card:

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

Disputed: No Untimely Response

2015-06-04

Bryn Mawr, WA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-12

Everett, WA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: my bank the BECU decided to take my SSA treasury state check well it was n't a check it was wired funds external wired funds and I 'm mentally XXXX I go to compass health in Washington XXXX XXXX XXXX. I had a bank representative from this number and is on a recorded line because they record their phone conversations XXXX And they have a recorded phone call me talking to a representative from Boeing becu representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check funds from me. The representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check but the BECU bank in XXXX wa still proceeded to take the funds from my checking account from the ssa treasury and XXXX. so the bank BECU Boeing In XXXX wa took it from me illegally I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and do a claim to proceed to get my funds back that they took I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and doing the file when they should n't have considering someone from the banking of us bank from the number XXXX told me and guaranteed me on a recorded line phone conversation guaranteeing me and telling me that they the bank in XXXX Washington BECU Boeing that they can not touch that or take that funds for me out of my checking
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-08

Tacoma, WA

Credit card protection / Debt protection

Credit card:

Complaint: I have a dispute with a local towing company. Towing company charged higher amount than they promised and also higher than they are allowed to as per law. Also as per their service agreement they have to take care of all my stuff but they did not bring my front license plate. So I opened a dispute with BECU under their visa dispute program but to my surprise I found that they have contracted it out to third party company and this dispute department did not investigate my dispute properly and their decision was " '' towing services were completed we do not have dispute rights against the merchant '' '' we are not disputing whether towing services are provided or not we are disputing the amount they charged and their service. ( i.e. they lost my license plate ). Also I had to call police because towing company was harassing me at my home. Also I feel betrayed that BECU convinced us that we are protected and they will take care of us in such event but actually they contract it out to third party company who really does not care.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-04-30

Federal Way, WA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: When applying for the loan, borrower costs provided to us over the phone was different from final borrower costs on the disclosures. Approximately XXXX $ had been used to buy down the interest rate and financed into the loan, thereby increasing the loan balance significantly. This appeared to have been done with the sole aim of appearing to be competitive. When asked to pick a different rate, several additional fees were added, again bringing up the final borrower costs for the loan.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-03-31

Lake City, WA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-03-30

Tacoma, WA

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: Yes Timely Response

2015-03-08

Kent, WA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2015-02-08

Bothell, WA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2014-12-30

Renton, WA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2014-12-30

Bainbridge Is, WA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2014-12-02

Bellevue, WA

Money was not available when promised

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2014-11-18

Seattle, WA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2014-10-10

Longview, WA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Untimely Response

2014-09-25

Longview, WA

Managing the loan or lease

Consumer Loan: Installment loan

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

Disputed: Yes Timely Response

2014-09-25

Longview, WA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-08-26

Kent, WA

Fraud or scam

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-05-21

Bonney Lake, WA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2014-05-06

Des Moines, WA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2014-04-07

East Union, WA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2014-03-25

Seattle, WA

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response