GOLDEN 1 CREDIT UNION, THE
Consumer Complaints
There are over 122 complaints on file for GOLDEN 1 CREDIT UNION, THE. Dated between 2019-12-11 and 2017-01-05.
Complaints Page 4
2018-03-26
Coalinga, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Complaint: I have been a member of Golden One Credit Union, I was looking for a good credit card so I talked to a local representative about their XXXX card. I was told that it was a fixed APR at 10 % as long as I am a member. I recently received a letter telling me that they were changing to a flexible rate ... I did not want that new I want what was promised me when I applied for. The closed out my card ... I want my card at the rate promised when I applied ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-21
Sacramento, CA
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-14
Brawley, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Personal information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-12
Vallejo, 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 non-monetary relief
2018-03-09
So Effingham, NH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-02-27
CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Complaint: On XX/XX/2018 I received a message from my banking institutions loss prevention services regarding an attempted transaction for {$150.00}. I flagged the transaction as unauthorized and my XXXX debit card was deactivated. When I called the bank in the morning, they cleared the transaction and deducted {$150.00} from my checking account. I then contacted the company that initiated the transaction and found out that they use a service offered by XXXX called XXXX XXXX XXXX and that if your billing information is out of date, they receive your current bank account information so that they can continue to charge your account. I then called my banking institution and asked to opt out of their updating services as I am very concerned that they willfully provide my banking information to XXXX and/or merchants without my knowledge or consent. The customer service representative said there is no way to opt out of this service and nothing can be done to prevent my bank or XXXX from providing my current account information to merchants. This is very alarming that my banking institution will provide my account information to anyone other than myself but then to tell me there is nothing I can do to protect my financial information is absolutely ridiculous. Banks need to protect my information, not freely distribute it like they are doing with this so-called service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-02-15
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-02-07
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: XX/XX/17, Golden One Credit Union notified me via an email Alert ( below ). I said the charge wasn't mine, but was told charge went thru a 2nd time and had been approved by XXXX for {$360.00} : ALERT FOR CARD ENDING IN XXXX XXXX Transaction details Your Golden 1 Credit Union VISA card was recently declined for a transaction. If you did not make this transaction or have questions, please contact us at XXXX.
Transaction Details : Transaction Amount/Currency : XXXX USD Merchant Name : XXXX Merchant Location : XXXX, US Merchant Category : Discount Stores
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-01-09
Elk Grove, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-08
San Jose, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I was told I could change the date of my loan payment after the first payment was made so I called the agent as I was directed to and I set it up with a woman sadly to say I do n't remember her name but I 'm sure they would have some kind of record of it I told them I want to move my pay date to the XXXX and unfortunately that did not happen I 've been having problems with this loan company credit union since I bought the car they do n't have my right birthdate my maiden mother 's maiden name is wrong it 's been a complete nightmare so thinking I 'm making my payments on time with the 10-day grace. Actually it looks like I was late on my payments that is ridiculous and I 've talked to several people at the Golden 1 and last time I talked to somebody they said they took care of it obviously not because my credit score drop drastically. Also I had an incident with the water company where my mail was stolen and I had no idea that the bill was due super busy and it 's the last thing I even ever expected the previous tenants went down to the post office and put some kind of vacation hold on our mail and of course being very busy it just weeks went by and sadly to say I was n't keeping track and she was collecting our mail so again another late charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-12-28
Antioch, CA
Managing an account
Checking or savings account: Other banking product or service
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
2017-12-21
Green Valley, AZ
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 explanation
2017-12-20
Kenwood, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-12-06
CA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Problem with personal statement of dispute
Complaint: On XX/XX/2017, my credit card was auto-drafted without my awareness. I did not receive a bill or notification from Golden One Credit Union for the amount due until after it was reported 30 days late. The debit was paid in full upon receiving notification of the amount due.Furthermore, I have never been late in the past, nor have I ever carried a balance on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-12-06
Lincoln, CA
Took or threatened to take negative or legal action
Debt collection: Other 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
2017-11-28
Fresno, CA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Can't stop withdrawals from your account
Complaint: I was the victim of a theft of checks from my home- office/bedroom. These checks were endorsed by me and deposited to my checking account using my mobile phone. I was not aware of this theft until I began receiving notices from my bank that the Federal Reserve had sent them an order to reverse the deposit of the checks and remove the funds from my account.
XX/XX/XXXX I deposited a check for {$170.00} On XX/XX/XXXX this deposit was reversed.
XX/XX/XXXX I deposited a check for {$140.00} On XX/XX/XXXX this deposit was reversed.
XX/XX/XXXX I deposited a check for {$200.00} On XX/XX/XXXX this deposit was reversed.XX/XX/XXXX I deposited a check for {$75.00} OnXX/XX/XXXX this deposit was reversed. XX/XX/XXXXXX/XX/XXXX I deposited a check for {$180.00} On XX/XX/XXXX this deposit was reversed. XX/XX/XXXX I deposited a check for {$120.00} On XX/XX/XXXX this deposit was reversed.
XX/XX/XXXXI deposited a check for {$85.00} OnXX/XX/XXXX this deposit was reversed.
{$980.00} total was taken from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-17
Antelope, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-16
CA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Unable to receive car title or other problem after the loan is paid off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-15
Antelope, CA
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-13
CA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: On XX/XX/XXXX, I was contacted by phone by Golden 1 Credit Union XXXX fraud unit stating they were calling to verify suspicious activity on my XXXX credit/debit card. I was told that charges had been made at the artist 's website XXXX on XX/XX/XXXX as follows :XX/XX/XXXXWithdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$25.00} XX/XX/XXXXWithdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00}XX/XX/XXXX Withdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} XX/XX/XXXX Withdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} XX/XX/XXXX Withdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$50.00} XX/XX/XXXX Withdrawal POS Withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$25.00} They asked me if I had authorized the charges. I said that I absolutely HAD NOT authorized any of those charges and that they were definitely and without any question or doubt, fraudulent charges. I then asked what I needed to do to obtain fraud protection with regard to the charges. I was told to go into my branch of Golden 1 and report the fraudulent charges and sign an affidavit swearing or declaring the charges as fraudulent. I went to my branch immediately and filed the affidavit as instructed. I explained that the charges were made for points. That is points that can be cashed in for various merchandise. I explained that all XXXX needed to do was to find out what XXXX account the points went to and there they would find the thief. I said that the record would show that the points did not go into my account but they had to go into someone 's account. Also, since I had provided my XXXX number ( obviously ) ONLY to XXXX, then whoever made the fraudulent charges had to have been either an employee of XXXX, or an accomplice of an employee. I also explained that I HAD authorized charges previously on XXXX but that every one of the previous charges were exactly {$5.00} each because {$5.00} is the cost of a three month core membership. While the representative at my branch was filling out the affidavit, he asked me if I had authorized a {$5.00} charge on XXXX several weeks earlier. I said yes, as I had just explained that {$5.00} charge was for a three-month core membership. He acknowledged that he understood and removed that {$5.00} charge from the affidavit. I told him that is was very important that ONLY the charges made onXX/XX/XXXX were to be addressed in the affidavit. After I signed the affidavit the Golden 1 representative told me to not worry because I was protected from fraud as part of Golden 1 services. I asked if my signing and filing of the affidavit of fraud was all I needed to do and I was told yes. He then told me that the affidavit would be sent or copied to the fraud unit that had contacted me, along with all other information I provided to him.
About two or three weeks later I received a letter from Golden 1 XXXX Fraud Services stating that my claim had been reviewed and that they decided that since I had approved ( the {$5.00} ones ) charges at XXXX previously to the string of fraudulent charges, they had determined that the charges were NOT fraudulent. The letter further stated to the effect that they were through with my claim and that it was my responsibility to investigate the matter on my own. Well, I had sent three emails to XXXX, the first of which was within two days after the fraudulent charges were made. XXXX was unreachable by phone so I was at the mercy of using email only. In my emails to XXXX I explained everything that I explained to the Golden 1 Representative at my branch. I had no idea of how else I could further investigate the matter and the XXXX fraud unit provided no suggestions. The total {$400.00} charges were deducted from my checking account so I received zero fraud protection whatsoever. It seemed to me that as far as further investigating the matter, I was at the mercy of XXXX and as far as being denied fraud protection, I was at the mercy of the Golden 1 VISA Fraud Unit. Who was I to argue their decision? The fraud unit 's letter also said I had sixty days to investigate the matter, after which time the statute of limitations would expire. By the time the sixty days expired, XXXX had not followed through on their end ( no surprise considering that the fraudulent charges had to have been made by one of their employees. ) Golden 1 was of no further help and the XXXX Fraud unit had disregarded my signed affidavit and essentially then called me a liar. I find it incredible that the XXXX Fraud unit could ignore and disregard my signed affidavit. That affidavit is a legal document yet it is perfectly fine for them to totally reject a legal document. Why was I instructed to file the affidavit in the first place if anybody could nullify it on a whim and speculation? I find that very disconcerting and it speaks volumes about the apparent worthlessness of legal documents!
XXXX XXXX / ( XXXX ) XXXX / XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-11-10
Fresno, CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: I was approved for the credit card on XX/XX/XXXX for {$2000.00}. To day is XX/XX/XXXX. I went in to the bank to see what was taking so long to get my card. I was told it 's because of my credit score. my credit score is at XXXX. To qualify for a bank credit card your credit must be at XXXX. I FEEL LIKE I BEEN LIED TO '' AND DISCRIMINATED AGAINST AS A XXXX MAN ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-02
Stkn, CA
Getting a loan or lease
Vehicle loan or lease: Loan
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
2017-09-18
California Conservation Cent, 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
2017-09-14
Antioch, CA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-09-08
Philatelic Center, CA
Improper use of your report
Payday loan, title loan, or personal loan: Personal line of credit
Credit inquiries on your report that you don't recognize
Complaint: Called to apply for a credit card with Golden1 credit union, my main bank. Received a letter from Golden1 about a week later saying that I was denied for a {$20000.00} personal loan. I was afraid my identity had been stolen and called to shut down my debit card immediately. The next day I called Golden1 fraud services. They did an investigation and said that because credit cards and personal loans are initially processed as the same, that they had processed my credit card as a personal loan application. I was very upset and tried to explain that I did not apply for a loan and certainly was not expecting a credit card with a limit of {$20000.00}, which is one third of my gross annual income. I told them that this would negatively impact my credit score and was also inaccurately reported to the credit reporting agency as I did not apply for the loan. I asked them to contact the credit bureaus and correct the related inquiry to reflect a credit card application instead of a {$20000.00} personal line of credit. They refused and I issued a fraud alert with XXXX and XXXX. I would like to take further action to remedy my credit score and prevent this from happening to anyone else. I no longer trust credit unions and do not see them as a positive alternative to banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation