There are over 122 complaints on file for GOLDEN 1 CREDIT UNION, THE. Dated between 2019-12-11 and 2017-01-05.
2018-10-10
Sacramento, CA
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 explanation
2018-09-29
Nyc, NY
Can't use card to make purchases
Complaint: My card is disabled and blocked. When I tried to inquire on the reason : 1. I was given the answer that my card was fine - its just a glitch. A " glitch '' that is now lasting for more than a month 2. I called again, was told that it was " fraud '' and I should get a letter at anytime - which I never received.
3. I was told I am not " qualified '' to get information on why my account is blocked.
My account is always paid on time - I am a big spender. I spend a lot, and I pay it off. Somehow this bank does not like that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-09-25
Sacramento, CA
Transaction was not authorized
Complaint: My checking account was defrauded out of $ {$950.00} out of a fraudulent company .Golden 1 told me They are. It responsible for the loss since I invertly gave them my account number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-09-18
CA
Their investigation did not fix an error on your report
Complaint: This company checked my credit or ran a hard credit check on me WITHOUT my consent, without my authorization. Illegal! Thus this should NOT show up on my credit report and must be deleted with all three credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-09-18
Sacramento, CA
Problem with personal statement of dispute
Complaint: Unbeknownst to me, while on vacation in XXXX, for 4 weeks, an automatic payment to XXXX XXXX XXXX XXXX XXXX scheduled on the XX/XX/XXXX was returned due to insufficient funds on my account.
Upon returning from vacation, my investigation on my account led me to the conclusion that because of the bank imposing a hold on a check I deposited resulted in this event.
In this age of technology commerce, banks should not be allowed to hold funds longer than a day. The funds can be easily verified by making a call to the institution. My bank is local, therefore, it makes no sense on holding it for that long.
Another note for Golden 1 to consider is that I have been a long time member and I have my pay check direct deposited to my account.
I'm asking Golden 1, as an act of good faith, to indicate a technical errors caused the funds to be unavailable
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-09-06
Greenwood, CA
Debt was result of identity theft
Complaint: I opened a checking account with Golden One Credit Union on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called Golden One and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out Golden One 's fraud paperwork. Golden One gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The XXXX XXXX XXXX. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-26
San Jose, CA
Company closed your account
Complaint: {$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name GOLDEN 1 CU Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$690.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times XX/XX/XXXX Days Late XXXX Remarks Canceled by credit grantor ] ] ] I would love to resolve this and remove from from credit. As I am new to credit and would greatly help you benefit in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-23
Orcutt, CA
Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-22
CA
Problem during payment process
Complaint: XXXX has been non-compliant with removing the unverified account GOLDEN 1 CREDIT UNIO which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GOLDEN 1 CREDIT UNIO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-20
Butte Creek, CA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-14
Discovery Bay, CA
Transaction was not authorized
Complaint: A company by the name of XXXX XXXX XXXX located in XXXX, California charged my Golden1 Credit Union Account in the amount of {$2300.00} onXX/XX/2018. I filed an Electronic Funds Transfer Dispute with Golden1 on XX/XX/2018 and explained to them that I had not done any business with this merchant and submitted all of my supporting documents. I called back a few days later for an update and was told my claim had been denied however, a reason was not inputed by the Claims Rep. I then requested to speak with a Supervisor and was transferred to Mr. XX/XX/XXXX, he couldn't provide a reason and stated he would return my call the next day, which he did not. I began to do a little research of my own and found EFT transactions are Government Regulated by Reg E. My Financial Institution where I have been a member for over 13 years and have two bi-monthly payroll deposits should have at least took a little more time to research my claim, contacted the Merchant to ask for supporting documents and followed the Reg E proper protocol and procedure prior to denying my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-07
Sacramento, CA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-08-01
Dixon, CA
Confusing or misleading advertising or marketing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-07-23
Vacaville, CA
Credit inquiries on your report that you don't recognize
Company Response: Closed with non-monetary relief
2018-07-21
W Sacramento, CA
Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-07-03
Gardena, CA
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-27
Gold River, CA
Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-06
N San Juan, CA
Complaint: I did my tax returns on XX/XX/XXXX and accidentally typed one digit wrong for my account number since I chose direct deposit. Golden One Credit Union refuses to be of any assistance and did not check the social or other info to verify it was the correct account. I already contacted them and the irs to no avail. A letter of indemnity was sent 90 days ago. It was {$570.00}. The other account withdrew the money immediately and supposedly spent it. The money was deposited into the other account XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-06-06
Sacramento, CA
Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-04
Agua Caliente, CA
Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-20
Atascadero, CA
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-15
Auburn, CA
Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-05-04
Alta Hill, CA
Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-04
Antelope, CA
Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-24
Bounced checks or returned payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation