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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
05/12/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
This company made a hard enquiry on my credit report without my consent and I want it taken off. I had completed a form inside my credit karma app thinking it was a simulation page on whether I qualified for auto refinancing. However, I was shocked a few weeks later when I started getting letters from different companies about an application I had made requesting for auto loan refinancing. I am using this medium to reemphasize that at no time did I apply for loans in any shape or form through Next Gen. I was only curious, thinking it was a simulation form to determine if I qualified and was only hoping to see the rates, in other to be able to compare with my current APR to give me an idea of how much progress I have made in my attempt to dutifully pay back my auto loan and nothing more. Please I insist this enquiry be taken off my credit report. Thanks and regards ********* ********.
Business response
05/27/2022
Business Response Contact Name and Title: ***** ****** SVP/CRO Contact Phone: XXX-XXX-XXXX ext**** Contact Email: *******@etfcu.org ETFCU records indicate ********* ******** submitted an application authorizing ETFCU to pull credit. ETFCU apologizes for any confusion and, as a courtesy, requested the inquiry be removed from the credit report. Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.) Like I had explained earlier it was the company NextGen that asked me to complete a form to simulate if I qualified for auto refinance and I only completed the form out of curiosity not knowing they had gone shopping for auto refinance on my behalf. When I found out I called both NextGen and Evansville Teachers Union and they treated shabbily without listening to my complaint or reasoning. I want them to take out that enquirer or I might be forced to take legal action. I do not need anyone to submit any application on my behalf. I am learned and capable of applying for whatever I want without the help of anyone. Business Response On May 27, ETFCU did as the consumer requested and asked the credit bureau to remove the inquiry(credit pull) from the consumer's credit record. The consumer **** have to follow up with the credit bureau to determine that the inquiry was removed. Consumer Response (The consumer indicated he/she ACCEPTED the response from the business.) As long as the enquiry is removed I have no further issues. Thank you. Consumer Response Good day. This is just to inform that in spite of the last conversation and agreement by the Evansville Teachers' Credit Union to remove the unauthorized enquiry they made on my credit report, I find up till now they have not taken it out. To make matters worse, I had contacted the credit union to register my complaint and to notify them on the need to honor their side of the bargain, but the representative who spoke to me feigned ignorance and said there was no notification to that effect. To this end I might be constrained to seek legal redress as I have waited patiently for almost 3 months for them to make good their promos. Thanks and regards ********* * ********. Business Response I apologize for the confusion. ETFCU cannot remove the inquiry, but did send an electronic file to Transunion requesting the removal of the inquiry. ETFCU will send another request. If you have further questions or concerns, please contact me directly.Initial Complaint
04/03/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I was looking online about interest rates to purchase a car and the website said it would not do a credit check and they did. I did not provide my social security number. NOt only did they run a credit check but they did it twiceBusiness response
05/09/2022
Business Response ETFCU provided the consumer with the detail regarding his Credit Pull Authorization and authorization to send information to third parties for consideration. ETFCU is still working to further resolve the matter. An update will be provided as soon as additional information is available from ETFCU's third party vendor.Initial Complaint
03/15/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I had an auto loan. My insurance co. paid loan amount off after it was considered totaled in the amount of $22,283.76 on 10-27-21. The insurance adjuster received 10 day guarantee of $22,283.76 on 10-1-21, and faxed a letter to them same day. I am unsure why payment took until the 27th to arrive from ins company? The regular payment was due on the 12th. I assumed the ins co paid the loan off, receiving no correspondence on the loan until 1-12-22. A representative then called me, notifying me that I owed $87.58 as of 12-12-21. The bank could not tell me what this amount was for. I explained to the representative that the ins co paid loan off back in Oct. and that I had heard nothing from them about this loan. That's when they informed me that if I did not pay the amount, it would be sent to collections. So, I reluctantly paid the amount, over the phone that same day. Only to find out that my credit took a hard hit due to remarks made by EFTCU to the credit bureaus!! I have called this bank numerous times trying to get them to send me an itemized statement of charges and a statement stating that the loan is paid in full! To this day, I have not received anything in the mail showing the loan is paid in full. They would not tell me what the remaining charges were for after ins sent check? They would not tell me the remarks they sent to credit bureaus? Also, I have not received anything showing proof that the loan is paid in full, after being threatened with collections. Statement below came 1 day after paying over the phone 1-13-22Business response
04/08/2022
Business Response Mailed letter to member on March 18 stating late fees were refunded and no negative reporting was ever made to the credit bureau.
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Get a QuoteCustomer Complaints Summary
24 total complaints in the last 3 years.
7 complaints closed in the last 12 months.
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