GOLDEN 1 CREDIT UNION, THE

2019-04-29

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-04-29

Sacramento, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-04-22

Canoga Park, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-04-17

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-04-01

Rocklin, CA

Problem with customer service

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-03-26

Cardiff, CA

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-20

Discovery Bay, CA

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Complaint: Closed Savings account with Golden1 Credit Union on approximately XX/XX/19 in the amount of {$480.00} .Customer service number XXXX. As of today, XX/XX/19 no cashiers check in the mail. Contacted Golden1 and was advised that I have to wait 90 days before new check could be issued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-28

Fremont, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-20

Orange, CA

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Billing dispute for services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-15

Sacramento, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-14

Sacramento, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Overcharged for something you did purchase with the card
Complaint: Bank : Golden 1 credit union Card : Visa I was double charged {$150.00} twice by XXXX XXXX on XX/XX/19. I contacted the merchant XXXX XXXX in XXXX, ca and they said they only charged once when my statement shows {$150.00} twice. I contacted golden 1 to dispute the charges and they are refusing to return my {$150.00} back to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-05

Sacramento, CA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-04

Woodland, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-01

North Sacramento, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-01-28

CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have owned my cell phone number for over 10 years. Someone named XXXX XXXX keeps giving my number out to his debt collectors. Everytime i explain this to them and ask them to remove my number they either don't believe me and keep calling or they lie and don't fix it. It was over a year since i got any debt calls and now Golden one credit union is calling for this man again at all hours. I have saved all the messages they left. But as soon as it started happening i called them and explained that it has been a quiet year and i didn't want this starting again because he is a liar and this isn't his number. I called twice and golden one representative told me twice that my number would be removed this was over a month ago and they are still calling early in the morning and throughout the day leaving messages looking for this man. i'm so tired of this ... my parents are old and i am their caretaker so i need my phone free ... it is hard for them to remember a new number since i have had this number for so long ... my dad is XXXX and my mom is almost XXXX so to learn a new number would be very difficult for them. I would like to know if Golden One will stop calling from this complaint filed? thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-01-21

Redding, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-01-20

San Jacinto, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I bought a car in XX/XX/XXXX. I was sent payment information for my new loan through Golden 1 Credit Union. The payment was due on XX/XX/XXXX. On XX/XX/XXXX I used XXXX XXXX XXXX to pay my car payment. I provided the account number provided to me by Golden 1. On XX/XX/XXXX I received a letter saying the payment was 15 days late. I logged onto my XXXX account and saw it was paid electronically on XX/XX/XXXX. I called Golden 1 and was told they never received a payment. I said it was paid electronically through XXXX. The agent on the phone kept saying it might have been lost in the mail. I said it was not mailed, it was electronically transferred and I already verified this with XXXX. They told me it transferred on XX/XX/XXXX and the money has left my account on that date. Golden 1 has the {$510.00} payment. The agent at Golden 1 was provided a tracer number but said she could not locate my payment. I asked her to make a note of this dispute because I did not want my car to be repossessed or to be marked late for payment. She said she could not do that. I then wrote two dispute letters and provided the proof of payment from XXXX to both complaint addresses. I received two more letters on XX/XX/XXXX from Golden 1 stating the payment was late, and they have not received a response from me. Even though I have called and sent two letters, and they are going to take appropriate steps to collect. A second letter stating it was 21 days late arrived as well. I have now sent two more letters in response. Golden 1 Credit Union 's response is unacceptable. They just seem to throw up their hands and ignore the issue. XXXX transferred the loan payment of {$510.00} on XX/XX/XXXX. My loan is not late, and they have lost my funds and refuse to respond or address the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-22

Long Beach, CA

Improper use of your report

Vehicle loan or lease: Loan

Reporting company used your report improperly
Complaint: On or around XX/XX/2018, Golden1 Credit Union made an inquiry of my XXXX credit report without my authorization. Shortly before this inquiry was made, I authorized a car dealership to make a credit inquiry and to share my car loan application with prospective lenders. Hence, the right of accessing my credit file was never openly extended to prospective financial creditors. Furthermore, the dealership, XXXX XXXX XXXX, has made independent inquiries of my credit in the past ( i.e., " XXXX XXXX XXXX '' appears on my credit report as an inquirer ). Accordingly, at the time of submitting my application to the dealership, I reasonably understood that only the dealership was authorized to access my credit and that financial institutions ' authorization was limited to receiving a copy of my application only. I have communicated in writing and by phone with Golden1 Credit Union, including providing documentation of the limited authorization I gave to them to receive access to my application only, and have requested that they contact the credit bureau to remove the unauthorized inquiry they made of my account. Golden1 Credit Union has refused to remove the unauthorized inquiry they made of my credit, asserting that they will only do so at the request of the dealership.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-19

Sacramento, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: My child was the victim of phishing fraud. My child used their debit card connected to their youth account to make purchases on a spoofed website which did not clear. The debit card information was subsequently used to open a fraudulent XXXX XXXX account through which three transaction were attempted in the amount of {$1000.00}, but only two cleared. The cleared transactions are as follows : XX/XX/2018 : {$1000.00} XX/XX/2018 : {$1000.00} I have attempted to dispute these transaction, however on XX/XX/18 Golden 1 Credit Union indicated that the claim was denied because, " you grant [ ed ] a person authority to use your card and that person exceeds the authority given, you are fully liable for all charges even if the amount of the actual use exceeds your permission unless you have notified us prior to the unauthorized charges that used of the device is no longer permitted. '' On XX/XX/2018, when I called in to seek clarification I was told, " by providing the debit card information on the spoofed website, my child granted authority to open the XXXX XXXX account and make subsequent transactions. '' At no time were these unauthorized charges permitted. The fraudulent XXXX XXXX account nor where the subsequent charges issued therefrom. After reporting these facts to Golden 1, they are determined that my child was an active participate in the fraud. The XXXX XXXX account has been closed as had my child 's youth account. Per XXXX XXXX my child 's information was used, however the year of birth was manipulated to appear that my child was over the age of 18. At no time was debit card information provided to any individual with the intent to grant authorization to use the card or make any XXXX XXXX transactions. I believe that Golden 1 was negligent in its duty to my child and me as account holders. Golden 1 should have never authorized these transactions through my child 's youth account. The bank should have used more caution with youth accounts because of the nature and vulnerabilities of children. Multiple transactions were attempted, two of which were successful. Additional attempt was halted only after my child discovered the fraud and took action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-12-08

Norwalk, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I had my identity stolen by someone and had made several hard inquiries which I had never authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-01

Northridge, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-09

Corcoran, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-30

Long Beach, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: Golden 1 Credit Union has ran my credit without my permission and I am requesting the removal of the hard credit inquiry from my XXXX credit report. I have attached a copy of my pre-approval letter from my credit union, XXXX XXXX XXXX, which shows that there was no reason for my credit to be ran.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-10-22

Sacramento, CA

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: On XX/XX/XXXX, we Met XXXX XXXX, loan officer for Golden 1 bank. She stated we will be able to get a loan for 6.25 %. She also stated we can lump in the closing costs with the loan. XX/XX/XXXX we got a call from her stating the underwriter will not allow us to lump in the closing costs because the loan can not be more then 75 % of the value of the home as the second loan was a cash out. She also stated because the line of credit was a cash out, the rate is now 7.25 % First of all, as a loan officer, she should have advised us about all this prior to making us pay for an appraisal out of pocket. We agreed to continue with the loan because XXXX told us that the closing cost will be about {$7000.00}. Then a few days later she stated the closing cost will be exactly {$8700.00}. When we agreed, she sent us a new disclosure for us to sign with the 7.25 % but now the cost was {$9200.00}, just a few days later. After that I received a call from the processor, XXXX XXXX, who stated the closing cost will be {$10000.00}. She also told me that the underwriter is not accepting my husband 's divorce document from 8.5 yrs ago ( that was accepted by 2 other banks ) because it is not stamped, is not the full divorce decree and there is no mention of my husband not having to pay child support. I again submitted the stamped documents, clearly showing on the second page that " there are no minor children from this marriage ''. XXXX also stated we needs to submit a copy of the modified divorce degree from 2 yrs later. ( this was submitted at the initial meeting on XX/XX/XXXX ). I re-sent it but I was informed that it is not acceptable because it does not have my husband 's signature. It has been accepted by 2 other banks and has the attorney 's signature that represented my husband in XXXX. Either way, all the documents, the original and the modified have been stamped as " endorsed and filed '' w the date on them. Again Golden 1 stated we need to go back to court and get the full decree. I was informed about this on XX/XX/XXXX, almost 1 month later. Called the court and they stated they no longer have the documents in house because it has been such a long time. We were instructed to submit a request online to get the documents from a warehouse and wait for a confirmation e-mail in 2 days. Once we get the e-mail, we can contact the court if we don't hear back in 10 business days. Golden 1 locked the rate until XX/XX/XXXX and by the time we get the documents, it would be outside of the date. I contacted the bank to get an extension since they never told us early enough that the documents are not acceptable and never even told us why they are not acceptable when 2 other banks accepted them. We were informed we can get an extension for 7 days. ( They bank never even offered this to us on their their own without me asking for it but would have charged an extension fee ). They also did not advise us about an extension fee but I remembered from previous loans if it does not close in time, either the rate will go up or we have to pay a fee for a rate lock extension. When we were informed about that we got a 7 day extension for free, they were quick to add, we will still have to pay extra because the loan will not close in time. I believe Golden 1 was dragging their feet and this was all about getting additional fees on us. By the way, we picked up the documents from court, and surprisingly, it was the same document ( original and modified decrees ) we already had initially submitted to Golden 1. Since we felt Golden 1 is stalling and is trying to increase the closing cost and fees, we went over to XXXX XXXX and started a loan process on XX/XX/XXXX. Since I paid for an appraisal per the request of Golden 1 Bank 1 month ago, the new loan officer with XXXX XXXX contacted Golden 1 to release the appraisal to him. Golden 1 contacted me and told me I have to withdraw my application from them in order to release the appraisal. I will have to wait for the loan application to be cancelled and then XXXX 's supervisor, XXXX XXXX will release the appraisal but " it is a process '' indicating it will take time. I believe they are stalling so that they would delay closing in a timely manner with XXXX XXXX or are forcing me to pay for another appraisal. In addition, I have tried to get in touch w both XXXX and XXXX 's managers. I have not heard back from either. I also requested the contact information for the underwriter 's manager to find out why the documents are not acceptable over a week ago. I still don't have that information. Overall my main complaints are : 1 ) quoted me for a lower interest rate to bait me 2 ) loan officer did not advice me about the loan being treated as a cash out so the rate would change 3 ) quickly made me pay for appraisal so I would be financially invested then changed the rate 4 ) they were so letting me know when additional documents were needed 5 ) they were unclear about why documents are not acceptable 6 ) quoted 4 different closing cost in 2 weeks 7 ) trying to increase closing costs with an additional extension fee by not closing in time 8 ) stalling in releasing the appraisal I paid for 9 ) extremely poor customer service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-18

Roseville, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response