Complaints

• Initial Complaint

  01/07/2025

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I used they ATM at location and it didn't depense my money nor a receipt but my cash app balance were different as of they deducted from my account. Cash app put the money back and blaze withdraw my money from my account today on Tuesday 12/06/2025. When I realized it my account were negative and taking my bill money I went to the branch and spoke to the manager very rude and were no help to me I spoke to ***** ****** was no help assisting me as I were judged. Then I spoke to ***** in customer support and we're no help when ask to speak to a upper manager she had me on hold for a good 30 minutes then reply that the manager are in meeting. I'm so disappointed on how are bank will have no care that I'm most definitely seeking into help with the way this business service people and will like to get feedback from a better support team before I reached higher to address my fairness of being mistreated.

  

  Business response

  01/07/2025

  This individual is not a customer of ********************. She was in our ************ location yesterday and spoke with branch leader to discuss her issue. The *** in question balanced each day. This is an issue between the individual and CashApp and does not involve an account with ********************. 

• Initial Complaint

  12/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Tried to get Fraud charges off my account since April 17, 2024. That I'm getting interest charges on.

  

  Business response

  12/17/2024

  The Director of Member Experience reached out to this member directly to resolve her concerns.

• Initial Complaint

  10/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I open an account with this institution and ever since theyve been holding my money and deposits to charge me additional fees!!! I have asked multiple times for a manager to call me back and I never get a return call they have gone so far is to hold insurance funds, verified funds And so forth and then let my payments go through and charge me $28 per payment for a courtesy of them, allowing my charges to go through when I have money available that theyre just holding for days on end until they let it become available I want them to reverse the charges that theyve caused me and then I will close my account and go elsewhere.

  

  Business response

  10/10/2024

  The Director of Member Experience has directly reached out to the member to resolve her concerns.

  Customer response

  10/11/2024

   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.

  they called me yesterday, specifically the Director mentioned in their response. She waved 10 of the most recent fees - Which I believe is the maximum she is allowed to do without going above her. She also sent an update for them not to hold my deposit, but she did not explain what the issue or caused. The issue previously has been. I plan to take my business elsewhere because of the multiple issues that Ive had with this institution, but I think it was last effort They put for now that I contacted your office. 
  

  As sad as it is, considering they have consistently done nothing in the past when I havent contacted you guys the fact that they at least responded this time. Seems like a partial win..

• Initial Complaint

  07/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Spire is refusing to close my accounts because of a past due car loan. It's been on my credit since January in collections. I feel I'm being held hostage by them because they refuse to close my accounts and let me deal with the debtors they have on my credit report. How is it legal to deny me to close an account that mine?? Can I take them to court?. My car loan account has nothing to do with checking or savings. The car was ****** I paid ****** the warranty was 5000 they sold the car for 3300. They are overcharging me on this voluntary repo. They threatened me with calling the cops after I was told to wait on the manager. They put me out because I didn't want to sit down. My race had a lot to do with the threat of the police. I don't know what to do, but I hope you can help. I also have a video being threatened with police and being put out just cause I wanted my accounts closed.

  

  Business response

  07/17/2024

  The Collections Manager has reached out to the member directly about his account status. 

  Customer response

  07/18/2024

   I am rejecting this response because:
  
  They sent an email, saying call them. I've done that before contacting the BBB. They told me to go into their institution to close my account. When I got there I was told to step out of line and wait for the manager. Within minutes I was approached twice by 2 different employees, told to leave and threatened with the police, because that's what white people do to get their way with blacks in their establishments. I don't feel safe going back, and I'm looking for legal representation on the matter.

  

  Business response

  07/29/2024

  We have reviewed your BBB request to close your accounts.Currently, we are unable to close them due to the loan status.
  If you have further questions, please contact me at ************.

  Customer response

  07/30/2024

   I am rejecting this response because:
  
  They are charging me full price of this vehicle along with the warranty. Warranty was upward of *****+ What I owe doesn't reflect the actual price for the vehicle. I tinted the windows and put ***** rims on the vehicle. Mr *********************** at the ******* location valued my car at ******. They sold it for the price of the rims and tires I put on the car. The amount I owe is closer to 5 to ***** no more. I don't understand how they could send debt collectors after me and themselves. Both are on my credit report as if I owe for 2 vehicles. It's not legal to be constantly harassed by debt collectors and the people they represent. I DO NOT OWE BLAZE CREDIT UNION 10,000$ FOR A 2015 CHRYSLER 300. 

  

  Business response

  08/02/2024

  We have reviewed your BBB request to adjust your loan details. Currently, we are unable to close the accounts or change the value of your loan. If you have further questions, please contact me at ************.
  

  Customer response

  08/05/2024

   I am rejecting this response because it's on my credit report. I haven't used or deposited money in that account in over a year. I have a totally different bank. I can deal with Spire through the 3 credit bureaus. I want the account closed, the checking. I have no access and have not had any for almost a year, what's the point if I, the owner can't access it. I was threatened with the police after I was told over the phone to come in to close it. I will not return because of that past threat. Spire needs to close that checking account and savings. They can leave the auto loan account open, as I do owe an amount to be determined. The auto loan account it has nothing to do with the other 2. I understand keeping the loan account open, but not checking and savings. They are making this more difficult than it has to be. I mean it's in collections. They want it both ways and that's not fair, or legal.
  

• Initial Complaint

  07/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Im paying double on a vehicle for insurance, when I have two insurances . The lady was also very rude to my fianc, asked her when she was going to stop talking.

  

  Business response

  07/17/2024

  The Consumer Lending Manager has reached out to the member directly about his desired refund.

• Initial Complaint

  05/28/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had a Blaze Credit Union membership with a savings account, a checking account, and a ********************** card account - all of which were in good standing. On May 22, 2024, when I attempted to pay the entirety of my credit card statement using online banking, I learned that my membership had been terminated all of a sudden, (I learned this after my login attempts failed). I called in a few times to find out what exactly caused this termination to occur, and I was told that they could not share any details, none whatsoever. While I do not care much for why they ultimately decided to close my membership, (since all I was trying to do was PAY MY CREDIT CARD STATEMENT), what I DO care about is the lost credit card rewards that I was attempting to earn, (rewards that could have been earned at countless other banks and/or credit unions who do not close customers' accounts when they attempt to pay their credit cards). With that being said, should Blaze Credit Union decide to not explain why they decided to close my membership, I am fine with that. However, I am seeking $200.00 plus the monetary value of the credit card rewards points for the purchases I made, (with the $200.00 being the credit card spending bonus I was planning on earning - I was just a few weeks away from earning this bonus when Blaze Credit Union decided to close my membership). I would be glad to do everything the way in which I intended - which would require my membership to be reopened such that I could complete the spending I was intending to spend. I am also willing and ready to file smalls claims court documentation to remedy this situation should Blaze Credit Union not be willing to settle this situation without litigation. Thank you very much for your time and understanding. I am looking forward to hearing back soon.

  

  Business response

  06/03/2024

  The Director of Member Experience has reached out directly with the member to let him know about their credit card reward points.

• Initial Complaint

  10/03/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  The nature of my dispute is I had an account with a financial institution called diversified credit Union in ******, **. Spire credit Union bought them out. My funds were transferred to Spire credit Union. I received no notice that I would be billed just for having my money in their Bank. The amount of money was roughly $25 at the transfer I believe and after looking back at my statements after months have gone by I noticed they've been taking money. When I realized what was happening I contacted a woman in ****** *********** New Branch store and requested that my money be returned and to close my account. She was very rude I wish I remembered her name but I did not think there would be an issue. She told me I had to come into the bank to fill out a form. When I asked if she could email me a form because I lived out of town she acting like that was the first time she'd ever been asked that question. She emailed me the form I printed it out and signed it. I took a screenshot of it on my phone and I emailed the sign form back to her. That has been 2 months ago and I have received no money and no acknowledgment and my account has been closed. I still get account emails sent to my email address. The commercials on TV do not match the in person customer relations. ******************** in my opinion is a big business that buys up small town businesses and charges fees to those people who never had to pay fees before. Just to have their money sit in a savings account. I will never talk highly of spire credit Union to any of my friends relatives or coworkers.

  

  Business response

  10/13/2023

  SPIRE Credit Union spoke with our member. We apologized to him and have proceeded with his request.

• Initial Complaint

  01/06/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I was charged over drafts 6 of them in fact. I was only over drawn for 2. When I called to ask about it was told me they go on real time activity. Then stated in the same breath that it was because of pending charges. But pending charges are all ready deducted from my account. So they move stuff around so they charge you more overdrafts.. Also I was over draft for a ********** trip and I had just deposited 470 $ an couple hours before. I feel this bank does what ever it can moves payments around to deducts the big ones so they can overdraft all the little ones. I know for a fact I had the money in there for the ********** and the at & t payments yet somehow was charged the 33 each time. I am so fed up with this bank ripping off the underdog while they get rich and the low income people get poorer. I want 4 of these overdrafts refunded.

  

  Business response

  01/20/2023

  SPIRE Credit Union spoke with ******************** regarding her concerns. We emailed her a copy of all debits that occurred in her account after the deposit she mentioned in her review. SPIRE presented a resolution which was accepted by the member.

• Initial Complaint

  11/30/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Notice was received mid August stating I did not have insurance coverage on my vehicle and if proof was not received additional insurance would be added to my loan. I provided proof of insurance, which I was told would be sufficient. I then received an additional notice stating proof was not sufficient and they would be adding the insurance. I provided a different proof verifying coverage for the entire period in question, and was again told that the proof would be sufficient. The insurance was added on to my loan in excess of $1100 for 3 months. Even though I had provided proof of coverage. They are refusing to remove this fraudulent insurance from my loan and are now negatively reporting on my credit. The people responsible to fix this will not return my call and they have their debt collectors calling me telling me "there's nothing they can do".

  

  Business response

  12/12/2022

  To Whom it May ********************* you for the notification of the recent case filed with you by ***************************
  
  We have reviewed the complaint regarding Hiway needing proof of insurance coverage to remove the additional charges on Pamelas loan.
  
  We have reached out to our provider that gathers the information about proof of insurance for our borrowers. ****** previously had ********************* and on 04/26/2022 changed over to State Farm however ****** did not add the 2019 Dodge Journey on to the ******************** until 08/26/22. Our provider had verified this information with State Farm.
  
  Therefore, ****** had a lapse of coverage between 04/28/22 08/26/22 which is why she is being charged the $1,194. If she can provide sufficient proof of coverage between 04/28/22 08/26/22, then she will receive the $1,194 charged to her.
  
  ****** will need to speak with ******************** to get this resolved since there is a lapse in coverage and provide a new proof of insurance coverage for the dates of the loan.
  
  We will contact *************************** to assist her with regards to this documentation needed.
  
  Please dont hesitate to contact me if you have any further questions regarding this case.
  Sincerely,
  *******************
  Hiway Credit Union

  Director of Member Experience/ Member Advocate

  ************

• Initial Complaint

  08/26/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Someone got my information and charged over **** on my card from feb until now,2022. it was sent to the fraud department at spire bank but they would not refund my money even though it was an online purchase to some out of the country casino which i do not believe is even legal in *****************, I was told when I got an account with spire that there was a 100 percent fraud protection on it yet I am not protected. please help me in getting my funds put back into my account. After all 100% is 100%.

  

  Business response

  09/01/2022

  Dear ********************,

  
  SPIRE Credit Union (SPIRE follows the **** Core Rules and **** Product and Service Rules as published by **** along with Regulation E (REG E), which covers claims / disputes.
  REG E clearly defines obligations of a consumer along with the corresponding action to be taken by the financial institution. Here is an excerpt from the Regulation:
  

  Periodic statement; timely notice not given. A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution's transmittal of the statement to avoid liability for subsequent transfers. If the consumer fails to do so, the consumer's liability shall not exceed the amount of the unauthorized transfers that occur after the close of the 60 days and before notice to the institution, and that the institution establishes would not have occurred had the consumer notified the institution within the 60-day period. When an access device is involved in the unauthorized transfer, the consumer may be liable for other amounts set forth in paragraphs (b)(1) or (b)(2) of this section, as applicable
  

  Our records show that you first contacted us on 8/23/2022 at which time we received a debit card fraud claim for ~200 small transactions that began 2/25/2022.  The 60 day dispute timeframe had expired before SPIRE received the dispute notification.
  

  However, SPIRE did credit your account for all the transactions from February, March, and April 2022 (48 in total).  Additionally, we have refunded all overdraft fees incurred on the account from the open date through 8/31/2022.

*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. ↩