Complaints

• Initial Complaint

  07/27/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  P1FCU is saying I missed a payment and that I'm "delinquent." I don't know why this would be because to my knowledge I have set up automatic payments. On top of that, though, I'm having trouble even talking to them about the issue, because when I tried calling today, their automated system just keeps hanging up on me when I ask to speak to someone. Also, a couple days ago, when I did get through, I got someone in a foreign country who didn't seem to understand me, and didn't seem to understand the situation/couldn't do what I needed. I asked if I owed anything and if I was current, and the person couldn't give a direct answer to this question. The letter I received says I owe them $100 but the person I spoke with on the phone said I made a payment of around this amount on July 3rd already. I tried to talk to the people at the branch in person but they said they couldn't help me with the card and I had to call the customer service for the card. Now they're threatening to take me to court for not paying. I don't know what's going on, but it's not my fault, as I have given permission to auto pay and have tried again and again to figure out what's going on and they aren't helping me. I want this figured out and to be brought current asap, and my credit reporting from them changed, because again, it isn't my fault. They are really having an issue on their end, and it's putting customers in a bad spot.

  Customer response

  07/29/2024

  I need to add some information to my complaint: 
  
  I called the business again on Saturday, July 27th, using the number on the back of my credit card. I was told by the automated system that my minimum due was $125. I was then told by the customer service representative my minimum due was $25. I informed the representative that I was told three different amounts (these two plus being told my minimum due was $100 in a letter). This person could not answer my question about if I currently had automatic payments setup (again I thought I had). 
  
  Because this person didn't seem to know what I needed to pay, what they were doing or how to help, I didn't make a payment that day. Instead, I waited until I could go into the branch today. The branch then told me my minimum due is $225 (a fourth amount). This person seemed to know what they were talking about, so I paid this amount. I was told I don't have automatic payments setup, but was told they couldn't tell me if I ever had. I got the payment date to make the payment on time next time.
  
  I was told by the customer service person I called on the phone that I had made a $100 payment on July 3rd, but I am also being told that I haven't made a payment since February, and with this I still don't know what happened or what's going on. 
  
  I would still like the business to contact me and straighten some of this out. I do also still think because of the confusion the business has caused, I should have some forgiveness with what's reported to credit and perhaps a refund of any late fees.
  

  
  

  Business response

  08/07/2024

  Hi *******, Thank you for taking time to express your concerns and allow us to research your situation. Our team is actively working to contact you and fully rectify this situation. Due to the confidential nature of your business, we are unable to comment on specific details of your complaint. However, we will work diligently to communicate with you to better understand how we can better support you as a member. We appreciate you bringing this to our attention. Members like you are vital resources in helping us improve our service level!

  Customer response

  08/07/2024

   
  Complaint: 22054442
  
  I am rejecting this response because:
  

  The business did not respond to what I described happening. Saying they can't respond to it at all because of confidentiality isn't acceptable.
  

  They did not make any offer to fix credit reporting or do anything for me because of my confusion being in part their fault.
  

  I also have not been contacted.

  Sincerely,
  
  ***************************

  Business response

  08/09/2024

  Hi *******, It sounds like our team has made contact with you to further understand the situation and work toward a solution. 

   

  Thank you!

  Customer response

  08/09/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and while I didn't think they wrote enough in their response, I find the resolution they made over the phone once I spoke to them today good enough. 

  I'm disappointed that they wouldn't fix my credit, but they got rid of several late fees and gave me a way to talk to someone in the ** next time there's a problem.

  Sincerely,
  
  ***************************

• Initial Complaint

  05/23/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  They denied US currency to be deposited into a personal account that was earned through working.

  Business response

  05/28/2024

  Hi ****,

  We would love the opportunity to hear more about your experience. Due to the sensitive nature of member account details, please contact us at ***************************************** so we can research your situation further. We look forward to hearing from you!

• Initial Complaint

  05/15/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  They kept me from eating for an entire weekend when they put a hold on my account because of pos at the pump. I had 65$ and the hold was for 150$. I do not appreciate not being able to buy something to eat.They put a fraud alert on my accounts and did not "Fully Disclose* it. They disclosed the would put a fraud alert on them but did not get into the details that it had *teeth" and that my banking would be restricted after that. For trying to cash a 2000 check that I had no idea was bogus. I had nothing to do with the manufacture of any financial instrument like that.They have labeled me a criminal. They have mad me feel like a criminal Therefore I have become their criminal. I will take their money now and never pay it back. My loans. It is my "Inconvience banking fee". Which they have already paid in full. I see no reason to fulfill any contract with them over this matter or issue them a refund **** refund my fee to them.

  Business response

  05/16/2024

  Hi *******, Please reach out to our member experience team by email at ***************************************** to further investigate your concerns. Due to the sensitive nature of your account details we are unable to provide specifics on this platform.  Thank you for reaching out and we look forward to hearing from you. 

  Customer response

  05/16/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  12/20/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I called P1FCU on 11/6/23 about auto loans. I spoke with loan ******** ************************************** Before I submitted anything, she asked to "take a look at my credit; I said sure. She did not specify it was a hard credit inquiry before submitting documents; I was under the impression that this would be a soft inquiry as she did not say otherwise. I explained that I was between jobs but I had received a job offer letter to start on 12/4/2023. She confirmed that my offer letter would suffice with my ************, VIN/mileage, registration, and driver's license.On 11/15/23, I confirmed ALL of the requirements to submit for an auto loan. ***** advised to submit only those documents, and I did. That day, she said my application was declined due to length of employment and I did not have a first paystub included and we may need to do another credit pull if after 30 days (further email correspondence is attached). I was NOT informed of these "variables" that she only stated after a hard inquiry was pulled. I verbally said, as well as in my job offer letter, that my start date would be 12/4/23, so it would not be possible to have a first paystub by 12/6/23 to be within the **************************************************** these conversations will now be two (2) hard inquiries 30+ days apart. Supervisor, ***************************************, contacted me on 11/28/2023. She apologized that ***** is "a newer loan officer" and did not handle my application properly. I asked P1FCU to remove the hard inquiry because 1.) I unknowingly consented since ***** did not clarify this; and 2.) ***** failed to provide all information that caused the decline. ******* emailed after speaking with the ** of P1FCU that they would not remove the hard inquiry because they say I "consented."I hope to have support in removing the hard inquiry from my credit report.

  Business response

  01/03/2024

  Hello *******,

  Due to the sensitive nature of your inquiry we are unable to address the specifics of the situation. For details related to the resolution of this request please contact us by email at *****************************************. 

  Customer response

  01/04/2024

   Hello, 
  
  I received a message to contact member experience with P1FCU following my formal grievance filed with the Better Business Bureau. I am following up within the required 7 day window to see how P1FCU is willing to resolve my grievance report and to answer or address any questions there may be. 
  
  I have cc'd ****** R, Resolution Consultant, from the BBB as part of this email thread. 
  
  Thank you,
  *************************
  

  
  

• Initial Complaint

  12/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I applied for My200 promotion with P1FCU on Aug 7th 2023 (terms attached). All requirements for this promotion have been met including 20+ debit card transactions, however P1FCU is refusing to honor the $200 bonus claiming that some of the debit card transactions have been posted as ACH transfers. The ONLY exception noted in the terms was in regards to ATM transactions. I had no control how the debit card transactions were posted. Debit Card Transactions means any cash withdrawals, payments with merchants for goods and/or services and Card transactions on the Internet. I AM ASKING P1FCU TO HONOR THE CONTRACT AND TO POST THE $200 BONUS TO MY ACCOUNT ASAP AS ALL REQUIREMENTS FOR THIS PROMOTION HAVE BEEN MET.Thank you.*************************

  Business response

  12/11/2023

  Hi *********,
  Due to the sensitive nature of your inquiry, we will be unable to address the details of your concerns on this platform. We would be happy to assist you with a review of your account details if you would give us a call at ************ or email us at ****************************************** We look forward to hearing from you! 

  Customer response

  12/11/2023

   
  Complaint: 20987383
  
  I am rejecting this response because I have already contacted the business several times in regards to this matter, however P1FCU refused to post the $200 bonus.

  I will email them again and I will inform BBB if the matter is resolved.
  
  Thank you for all your help!
  *************************

  Business response

  12/12/2023

  This matter has been escalated by the complainant to our regulatory agency, the ***************************. Further communication regarding this matter will be routed through the IDOF. 

   

  Thank you, 

  ***********************************, VP of Member Experience

• Initial Complaint

  07/25/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Potlatch no 1 Financial credit union. End of May 2023 I was trying to get approved to buy a house. When they pulled my credit report the car payment was double what it was originally set up to be. after calling the Credit union and getting the run-around. finally found out. P1FCU attach a huge late payment without notifying me. It was because of a lack of insurance verification. In which I did not know the car insurance company did not send the info. So rather than notifying me they added the cost of insurance. Then when I continued to pay the original car payment. they reported it as being late to the credit bureaus. I had to call the credit union multiple times. All I got was the run-around. They claim they informed me of the payment hike. yet I saw nothing. I make my payments on the app and it indicated nothing was wrong. A few of the representatives said they don't communicate through the app. If that is the case they shouldn't offer the app. Fast Forward to Today 7.25.2023 once again a late payment again no idea why. I have a couple hundred dollars late payment. according to my records on the app I paid on the 18th Payment was due on Saturday the 15th. So far according to my bank statements, I have had to pay $2,203.01 in late payments since May 2023 also according to my bank statements I always make my car payment(according to the payment stubs. P1FCU just has such terrible communication that they attach late payments and report you to the credit bureau without telling you. What I want is for them to correct the error to the credit bureau and refund my late payments. I will never do business with them again.

  Business response

  08/07/2023

  Hi ********,

  Due to the sensitive nature of your inquiry, we will be unable to address the details of your concerns on this platform.  We would be happy to assist you with a review of your account details if you would give us a call at ************ or email us at *****************************************.  We look forward to hearing from you! 

• Initial Complaint

  07/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  P1FCU is in the habit of charging overdraft fees BEFORE I even over draft!! They say that they are charging for things pending but until that money comes out and actually over drafts me they have no right!! Ive gone thru my account and put their fees back and then subtracted the things they were charging me for and I would not have incurred those fees! They have charged me over draft fees for things pending even AFTER my paycheck was automatically deposited so those pending charges that hadnt even come thru yet were cleared! Their over draft fees have been the cause of me over drafting at times and they only have two refunds instead of the third one that actually caused the over drafting! They also charge double over draft fees for cash app transactions because of how it works. It shows them pending (over draft charge one) then it deposits back and then they take it (over draft fee number two) this is outrageous and fees should NEVER be charged until you ACTUALLY become negative/money actually is taken!! Banks are constantly being sued for this type of activity/banking practices!

  Business response

  07/14/2023

  Hi *******,
  Thank you for sharing your concerns. We would be happy to go over your statement with you and give you alternative overdraft options. If you would like, please email us at *****************************************. 

  Customer response

  07/14/2023

   
  Complaint: 20304200
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***************************

• Initial Complaint

  11/22/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I entered a 2-step Construction loan program with P1FCU. They initially told me that when it came time to refinance the loan the interest rate would be no more than the Construction Loan rate (****%). The house is now complete and they are now telling me the refinance will be at current market rate, as high as *****%. Additionally they charged me for monthly inspection costs during the construction phase ($1500) which I paid at closing. Then they only ordered one inspection over the 18 months of the construction loan. I also paid $350 at Construction loan closing to cover a ************************ by the original appraiser, they then hired a different appraiser and asked me to pay the second appraisers invoice of $900 before they will share the ************************ with me. They have apparently pocketed the original $350 I paid at the first closing for this reinspection/appraisal.

  Business response

  11/30/2022

  Thank you for reaching out, we are currently researching the details related to this complaint internally.  We will respond to all appropriate parties in your documented concerns as soon as our research has concluded. Thank you!

  Customer response

  12/05/2022

   
  Complaint: 18453867
  
  I am rejecting this response because:

   

  IT has been 5 calendar days since I received the response from P1FCU, which was to say P1FCU is researching the situation.  So far no resolution has been proposed.

  
  
  Sincerely,
  
  ***************************

  Business response

  01/23/2023

  P1FCU has fully resolved this matter with *****************

• Initial Complaint

  10/31/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On July 18th I was admitted to the hospital with turned out to be Leukemia. I have been banking with P1fcu since 2014 and have have several loans personal and auto through them all kept in good standing and paid of on time with no incidents. I currently had a auto loan through them and with no income and no way to pay I made the hard decision to do the right thing and volunteeringly returned the car. After an extensive conversation with the bank they said they would sell the car and I would be responsible for the remainder which was perfectly acceptable. The last conversation took place on August 18th and I had not heard anything from them until I contacted them mid September when I found they had closed my checking account and applies money I needed for medication to the remaining balance. When I called them on this they said they had sent out a letter the prior Friday. This was the same day they closed my account. At the time I was still in the hospital and I was told I could have someone go to a local affiliate and withdraw the money. When I had done that the person I sent was told they couldn't release the funds to them. I called the bank back and was told I could have someone come to the bank and they would release the funds to them at the branch. I called today October 31 to verify this and am being told that there are no notes and since the person is not on my account they can't do that. I am not mobile so I have no way to get there to withdraw my funds especially since they closed my checking account and debit card.

  Business response

  11/14/2022

  Hello ****,
  Were so sorry to hear about your diagnosis, we cant imagine how overwhelming all of this must have been for you. Through our research we were able to confirm that you successfully conducted the business you referenced in your complaint.  Please reach out to ***************************************** for any additional support we can provide you.  Thank you for your message!

• Initial Complaint

  06/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Not necessarily this specific branch, but the company as a whole. We worked with P1FCU to get a car loan when we were younger that turned into a voluntary repo and we paid on the debt for a while now. We finally had the money to pay off the remaining balance. We were told we only had to pay 5,500$ to get it off of my credit score. We paid *********, a company that P1FCU had us pay our payments to, and told everything was fine on June 13th 2022. On June 24th we got an email saying my credit score dropped 102 points. It was all derogatory marks from P1FCU. We called to figure it out. We were called names, we were hung up on, we demanded to talk to their legal team and were hung up on, MANAGERS called us stupid and hung up on us. Not a single person could explain what was going on or why. The only thing I could think of was the person that I talked to that said they put it on the credit report said he did it all MANUALLY. This indicates to me that he did this damage to us intentionally even though we paid our debt off. We were also told by ********* that they are doing everything wrong and illegally and way before they even are allowed to take these kinds of actions. I have never dealt with such evil people.

  Business response

  07/07/2022

  Thank you for reaching out to us in regards to your loan situation.  P1FCUs VP of Loss Prevention has been in phone correspondence with you to resolve this matter.  We appreciate our members feedback as it helps us improve our service into the future.
  
  Sincerely,
  P1FCUTell us why here...

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩