SCHOOLSFIRST FEDERAL CREDIT UNION

2019-10-31

San Jacinto, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I have had my checking account with SchoolsFirst FCU for a fee years and have ALWAYS paid my bills on time with them. My account is a functioning daily usage account. I have been threatened by a customer service agent called XXXX that my debit card usage will be cancelled and that I will be allowed ONLY ATM use because of the number of disputes that Ive had! I have ALWSYS povided and offered to provide physical AND email conversations with vendors that VERIFY and SUPPORT the logic of my disputes.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-24

Anaheim, 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: During the. Of time between XXXX and XXXX of this year SchoolsFirst continues to close and display negative information on my credit accounts stems from unauthorized charges by what looks like my ex girlfriend. SchoolsFirst violates the fcra set in place to protect consumers who are victims of identity theft and fraud and should honor all rules and regulations set forth tllby the cpfb re the manor
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-16

Irvine, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-10-03

Jurupa Valley, CA

Incorrect information on your report

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

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

Timely Response

2019-09-19

Santa Ana, CA

Can't contact lender or servicer

Payday loan, title loan, or personal loan: Title loan

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

Timely Response

2019-09-18

Fullerton, CA

Incorrect information on your report

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

Account status incorrect
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2019-09-10

Salton City, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Schools First Credit Union has issues with their insurance system. I upgraded my home insurance and their system is having issues recognizing that I submitted proof of insurance several times even though they have even notes in their system showing that I have submitted proof of insurance. They keep generating threatening letters and final warning letters claiming they will start charging me for home insurance services even though I already hold a policy with XXXX and have provided them with copies many times over. There is either a glitch in their system or someone is not marking the correct boxes in their system upon reviewing my documents.
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Timely Response

2019-09-03

Anaheim, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-08-14

Chula Vista, CA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-14

Costa Mesa, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Timely Response

2019-08-10

Jamaica, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-09

San Gabriel, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-27

San Jacinto, CA

Fraud or scam

Money transfer, virtual currency, or money service: Virtual currency

Complaint: Date of Occurance : XX/XX/19 XXXX XXXX XXXX ( XXXXXXXX ) XXXX-XXXX XXXX va Schools First Credit Union Transfer Amount : {$150.00} XXXX does not offer fraud/scam protection services for their clients. Although it is deemed as trusted by banks, neither institution is willing to help me get my funds back. My bank, SchoolsFirst Credit Union, denied my right to file a claim for any XXXX authorized transactions. They say I have no option but to attempt to contact the person who Scammed me. This person is unreachable and non-communicable, they did not and will not send the product or goods that were promised as part of the transaction. His name on XXXX Account is XXXX XXXX. His Email : mailto : XXXX and phone number ( XXXX ) XXXX-XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-26

Huntingtn Bch, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-07-23

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-07-18

Garden Grove, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-07-02

El Toro, CA

Trouble during payment process

Mortgage: FHA mortgage

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

Timely Response

2019-04-23

Meridian, ID

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-04-19

Huntingtn Bch, CA

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

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

Timely Response

2019-04-18

Anaheim, CA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: On XX/XX/XXXX my personal loan with Schoolsfirst Federal Credit union charged off, I was unaware that this action was taking place since in all previous conversations no mention was made to me that this was happening. Because this loss took place my Membership was in danger of being closed. On XX/XX/XXXX I emailed XXXX XXXX and XXXX XXXX and outlined the discrimination and retaliation that I felt I was receiving. I felt that no mention of my account being charged off was mentioned in an effort to close my account, prevent my direct deposit from being received and cause me further financial hardship. I received no response, acknowledgment or phone call to discuss my concerns. On XX/XX/XXXX I was advised by XXXX XXXX that I had to make a deposit to cover the {$22.00} negative balance in my account so that my Membership could be closed. Not once was I provided a payment arrangement or options to prevent my account from being closed as all other members are offered. I was told by XXXX that she never asked me to pay on the personal loan because she wanted me to pay on my car loan. So to me that tells me that management was purposely setting me up to cause a loss to have restrictions placed on my account with the intent of closing my membership. On XX/XX/XXXX I emailed XXXX XXXX, XXXX XXXX & XXXX XXXX as I realized that my account had been shut down. I received a response from XXXX XXXX who promised to look into my complaints and respond to my claims. Her response was unfair, deceptive, and abusive. In my response to her I asked if she would have responded to any other member the way she had to me. As is standard with upper management when it came to my membership I received no response. On XX/XX/XXXX I responded to XXXX 's email that highlighted how my Membership according to her wasn't closed. I would like to point out that when your Membership is under par {$5.00} it is an attempt by the credit union to close your accounts. You have to satisfy the {$5.00} minimum but every time you deposit those finds will once again be offset in an effort to close your membership. My debit card was canceled without my prior knowledge, my direct deposit was captured, my funds were not made available to me without the assistance of management. In her response to me XXXX denied closing my account although the facts show otherwise. XXXX spent time outlining assistance provided to me in XXXX and didn't address my current concerns. On XX/XX/XXXX I was forced into payment arrangements that I knew I couldn't afford to meet but again was not receiving any assistance that a typical member would receive a reage, deferment were now being denied because management forced me into creating a loss and were retaliating based off the emails that I sent to upper management. I was told by XXXX XXXX that I couldn't be removed from my husbands account where I appeared as a joint unless he removed me. I asked that my direct deposit be deposited into this account and was told my debit card would not be canceled or restricted as any action taken would have to come from my husband. On XX/XX/XXXX I realized my debit card was canceled this came after Schoolsfirst realized I had redirected my direct deposit into my husbands account where I am listed as a joint. Because I didn't have access to my money I wasn't able to put gas in my car and ran out of gas on the freeway almost costing me my life. I had been guaranteed my membership on my husbands account wouldn't be impacted without notice they canceled my debit card. No previous calls, letters or emails were sent to me. Schoolfirst has not been unfair to me as a previous employee not being granted the same assistance or service as a typical member. They have been deceptive as they have allowed my account to create a loss preventing me access to my account fully. They have been abusive in their handling of my account which has caused me harm as all their Standard Operating Procedures have not been followed. I confirmed when calling in that automatic closures take place every Saturday my account was closed on a Wednesday purposely and with intent to cause me harm.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-20

Kenmore, MA

Credit monitoring or identity theft protection services

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

Didn't receive services that were advertised
Complaint: Yesterday, I placed a complaint at XXXX XX/XX/2019 Complaint # XXXX regarding 2 Personal Loans that were inaccurately reported as Constructive Fraud to me. SFFCU TOLD ME THEY DO NOT REPORT LOANS TO THE CREDIT BUREAU WHEN I GOT THE LOANS. Today, I received an email from XXXX XXXX, Assistant Manager at the Member Contact Center fax # XXXX SFFCU. He responded by saying I could call to address my issues. He put my CHECKING AND SAVINGS BANK ACCOUNT NUMBER IN BOLD NUMBERS IN THE EMAIL. MY phone was recently hacked. This creates Identity theft and is outrageous.WHY DID HE DO THAT? And what happened in my complaint number above lead to screwing up my credit0 do to their Constructive Fraud on the Overdraft loan 80 and the Personal loan 81. I now can not purchase a car NOW. XXXX XXXX is greedy and needs to be fired .... training his Personnel to do Constructive Fraud with my age to make money for the bank making look XXXX to do Constructive Fraud. SENDING MY BANK ACCOUNT NUMBER OVER THE INTERNET I COULD REPORT HIM TO THE POLICE. HE IS A FOOLISH MAN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-03-19

Kenmore, MA

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I received a Personal Loan that ultimately was Constructive fraud. The loan was suppose to be placed into my checking account and I would pay off the credit cards that I choose called peer to peer. But instead Schools First Federal Credit Union made it a Credit Card Rewrite Loan forcing paying off the cards themselves. They misrepresented the loan they gave me in writing. I got loan 81 XX/XX/2018. . They also were lying stating that they only do loans up to 48 months when they do them for up to 60 months. I have XXXX XXXX which was for {$6800.00} with interest is {$7900.00} at 7.45 %. My loan documents say nothing about a Credit Card Rewrite loan. I paid it down to {$5400.00} so far. The loan documents are not accurate do to the CONSTRUCTIVE FRAUD. I always pay. Never late! I was also offered Overdraft Protection on my checking account with them which I was told was not a line of credit. However, if I had insufficient funds it had a 3 % fee which does not affect the credit score. And I was also told the bank does not send out disclosure notices on it. When I finally used it several months later, my statement showed a 12.90 % rate for the {$1300.00}. I called and asked several times for the disclosure notice to be mailed but it was never mailed. Another bank I do business with sent me a disclosure notice on their Overdraft Protection today. It is not a line of credit. The overdraft protection above turned out to be a line of credit from SFFCU. CONSTRUCTIVE FRAUD AGAIN. Again, I was not accurately informed again. It was not for insufficient funds. Also, I was offered a line of credit at 8.49 % elsewhere at {$5000.00} at the same time as the {$1300.00}. XXXX offer. Why would I take {$1300.00} at 12.90 %? This is Constructive Fraud or IMPLIED DUTY OF GOOD FAITH TODAY SFFCU offered me {$20.00} to correct the interest of {$6.00} on the overdraft protection with new loan options which will r hi n my credot score. However, the issue is they gave me a loan lying about what it really was and deceived me on loan 81 also. I would not have taken it. I will need an email or fax to send documents.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-06

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-03-06

Las Vegas, NV

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Company disputes the facts presented in the complaint Closed with monetary relief

Timely Response

2019-02-21

Palmdale, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response