SCHOOLSFIRST FEDERAL CREDIT UNION

2017-03-30

Upland, CA

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: Yes Timely Response

2017-03-30

Newport Beach, CA

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-03-07

Foothill Ranch, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

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

Disputed: No Timely Response

2017-03-03

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2017-02-09

Baker Ranch, CA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-24

City Ranch, CA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2017-01-11

Alta Loma, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: Yes Timely Response

2017-01-09

Encino, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I have a car loan through Schools First Federal Credit Union and have had difficulty dealing with them in terms of receiving billing statements and written communication about the status of my account. In addition, they have given me misleading information over the phone which has led to the placement of my vehicle into " repossession '' status. I also have attempted to rectify the payment issues and have made several calls to their customer service department, but the representatives are not helpful and appear to be determined to repossess the car regardless of my attempts to bring the account current. I use the car to get to work and depend on the car as my sole form of transportation. I also utilize the vehicle for advertising purposes for a travel agency business and the vehicle currently has a " wrap '' for XXXX on it because I also use this vehicle to advertise for the travel business. The actions of School First Credit Union have caused me a great deal of XXXX frustration and my requests that they communicate with me through mail and written statements have been ignored. When speaking with their phone representative XX/XX/XXXX, I specifically asked when I needed to send in a payment, and was assured that if I mailed a payment in before XX/XX/XXXX, that it would be credited before the 60-day late period. I also mailed a payment to them on XX/XX/XXXX which would have put my account within the 30-day late period if they had accepted these two payments. I am anticipating bringing the account current right away but because they will not accept my payments or honor what they indicated to me on the phone, I am unable to do so. This has caused a great deal of emotional distress and places my ability to work into jeopardy. In addition, my parents are both deceased and I am divorced and have no other source of financial assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-05

Rncho Domingz, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: Information that is being reported is not mines. This account was not verified.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-13

Eagle Rock, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2016-12-10

Lb, CA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I had my mortgage on auto pay from my bank. I had over XXXX in accounts there and when my checking account does not have enough funds, it automatically pulls from my savings account. However, last month they decided they would not do that for reasons they can not explain.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-03

La Jolla, CA

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed

Disputed: Yes Timely Response

2016-12-02

Chino, CA

Using a debit or ATM card

Bank account or service: Other bank product/service

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

Disputed: Yes Timely Response

2016-11-15

Coto De Caza, CA

Bankruptcy

Credit card:

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

Disputed: No Timely Response

2016-11-06

Salton City, CA

Billing disputes

Credit card:

Complaint: on XX/XX/2016 I enrolled into a XXXX Counseling XXXX for all my credit cards. I enrolled through XXXX. XXXX of my credit cards with Schools First FCU was enrolled into the program and accepted by them. I was to make reduced payments of {$170.00} effective immediately. Around XX/XX/XXXX-XX/XX/XXXX I began to receive collection phone calls on my account from Schools First FCU regarding my Credit Card Account. I received a voicemail that it was imperative that I returned the call back to them. I phoned back their office and spoke with a collections representative regarding my account. I also let her know that I was enrolled into a consumer debt management program. She stated that she had that information on file, but that she needed to speak to another department. I also informed her that a payment of {$170.00} ( proposed payment was sent to Schools First on XX/XX/XXXX ). She re-assured me that she was looking into the issue and not to worry. I also asked her to make sure the account was not going to be reported as past due to the credit bureaus or any late reportings. After she came back to line doing her research she told me that the credit union had not properly processed the information and in fact after speaking with that department my proposal was accepted and good to go. She also assured me that everything was taken care of and I was not to worry about anything. I should not get any more collections calls and everything was good to go on my credit card account. Now as of today, Schools First FCU is reporting my account as beyond 30 days past due to the credit reporting agencies and providing false information when in fact I was told something different on XX/XX/XXXX and XX/XX/XXXX. Also my XXXX spoke with Schools First Federal Credit Union on XX/XX/XXXX and they confirmed as well that everything was good to go and the proposal was accepted.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: No Timely Response

2016-09-19

Diamond, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-09-02

Riverside, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Disputed: No Timely Response

2016-08-31

Anaheim, CA

Credit card protection / Debt protection

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-04

Fullerton, CA

APR or interest rate

Credit card:

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

Disputed: No Timely Response

2016-07-05

Newport Beach, CA

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2016-07-01

Tustin, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Disputed: Yes Timely Response

2016-06-18

Brea, CA

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-06-02

Upland, CA

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: Yes Timely Response

2016-03-03

Crescent City, CA

Using a debit or ATM card

Bank account or service: Checking account

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

Disputed: No Timely Response

2016-02-10

Las Vegas, NV

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response