Complaints

• Initial Complaint

  08/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I closed my account with ******************************************* cause I dont live close to that bank and I was told there was a $3 check writing fee and I would only get $2 back and that was advised it was in their policy, I do not recall that was in their policy and it does not cost $3 to print a check. I will not recommend this bank to anyone.

  Business response

  08/26/2024

  Thank you for your message. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your message per the ************************************ Act and 10CFR 1016. If the person in question is a member of our Credit Union, we will respond to him/her directly as required by applicable laws.

• Initial Complaint

  08/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I applied for their cashplease loan and I was denied because they said I didnt make any deposits and then I was still charged $20 even though I didnt even go through the full loan application. I was denied, eleven though I did have deposits coming into that account I just hadnt had a deposit in the last month. I just want the $20 credited back to my account so I can close the account and be done with this bank. I have never heard of charging a fee to apply for a loan. This bank is a ripoff.

  Business response

  08/19/2024

  Thank you for your message. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your message per the ************************************ Act and 10CFR 1016. If the person in question is a member of our Credit Union, we will respond to him/her directly as required by applicable laws.

• Initial Complaint

  07/22/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  On August of 2022 I was looking to buy a car. I went to a dealership and saw a Lexus 2009 with about 90k miles for sale. I drove it ant it was ok. The store offer me to finance with Marine FCU. They financed the vehicle for 17k and one of the questions I made to the bank person on the phone was how long have you been doing business with the dealer and if they had any trouble with vehicles purchased there. They said so far so good with the dealer. Well the vehicle only worked for a few thousand miles and now the bills to repair it are outrageous. I called the bank on **** of 2024 and explained the situation. I asked them to pick it up and take it to the auction for sale and I will pay the difference. They told me that the car has too many issues and it's too old and with too many miles for them to pick it up (but it wasn't old when they finance it) Now I'm paying for a car and for insurance on a vehicle that doesn't work and the repairs are higher than the book value of the vehicle.My question is.. it wasn't too old or with too many miles when they did a contract with me but now that the car is broken and very expensive to fix the vehicle is too old and with too many miles (i drove the car less than 10k miles in 2 years because of the mechanical issues)The bank basically told me that if I stop paying they will have their lawyers involved. So now they are threaten me with lawyers. How is FCU controlling the quality of the dealers and their products before they sign contracts with consumers?

  Business response

  07/23/2024

  Thank you for your message. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your message per the ************************************ Act and 10CFR 1016. If the person in question is a member of our Credit Union, we will respond to him/her directly as required by applicable laws.

  Customer response

  07/23/2024

   
  Complaint: 22026482
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******************************

• Initial Complaint

  05/23/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I'm writing urgently to address errors on my credit report caused by the sharing of my personal information with credit bureaus, leading to significant financial and emotional distress.According to 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to be handled confidentially.Additionally, per 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot disclose account details without my explicit consent, which I have not given.The discrepancies associated with MARINE FCU have negatively impacted my financial situation and need immediate correction.Furthermore, I emphasize compliance with 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under certain circumstances.Below are my account details for your reference:Account Number: **************I urgently request a thorough review of my account, prompt correction of the credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns promptly may result in legal action. Your immediate attention to this matter is appreciated.Sincerely,***********************

  Business response

  05/23/2024

  Thank you for your message. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your message per the ************************************ Act and 10CFR 1016. If the person in question is a member of our Credit Union, we will respond to him/her directly as required by applicable laws.

• Initial Complaint

  01/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I Recently came to find out that my ID had Fraud/Stolen and contacted all three credit agencies, upon putting a Freeze on my credit came to find out that someone has applied for credit without my consent. I reached out to Marine Federal and was advised to contact all three agencies to dispute the credit inquiry that did not belong to me. Upon reaching out to the credit agencies they informed me that I needed to contact the bank directly because these inquires where done online and I needed to contact them directly. I have filed a police report and sent documents showing where this inquiry showed on my credit to the above Financial instution and was advised again to contact all three credit agencies. I am requesting that his inquiry be scrubbed from my credit as I am not the one whom done this, looks like it was for a possible auto purchase online through a third party. Marine Federal Date of inquiry is 10/08/22

  Business response

  01/20/2023

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the CreditUnion; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10CFR 1016. If the person in question is a member of our Credit Union, we will respond to him/her directly asrequired by applicable laws.

  Customer response

  01/21/2023

  
  Complaint: ********
  
  I am rejecting this response because I am not a member of this credit union however I work for ****** Bank. My original request had the police report uploaded to show I was a victim of ID theft, the bank should be able to pull my social of***-***-****and show that there is an inquiry done and scrub it from my credit. I’ve contacted the credit agencies and was told to dispute the inquiry through the bank since it was done online. All I am asking is it be removed from the agency that this bank reports to

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

  Business response

  01/23/2023

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10CFR 1016. We will respond to him/her directly as required by applicable laws.

• Initial Complaint

  07/11/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I made a phone payment for my new car loan on 6/7/22 and it was confirmed paid. On 7/10/22 I received a letter in the mail telling me the payment was returned to me due to an invalid account and they charged me $50. There’s no proof that I entered a wrong account number. There was no notification that the payment had not gone through. They would not waive the $50 fee and there was no recourse for me to dispute it. I had no way of knowing the payment wasn’t accepted, no opportunity to try again. The customer service was horrendous and the fee is predatorious. I cannot believe that a banking institution would have such poor standards

  Business response

  07/12/2022

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10CFR 1016. If the person in question is a member of our Credit Union, we will respond to him/her directly as required by applicable laws.

  Customer response

  07/12/2022

  
  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.  The issue was resolved with the bank after complaint was filed.
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  06/30/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have no knowledge of this account that is reporting on my credit report. (a) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of— (1) appropriate proof of the identity of the consumer; (2) a copy of an identity theft report; (3) the identification of such information by the consumer; and (4) a statement by the consumer that the information is not information relating to any transaction by the consumer. (b) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection (a) of this section— (1) that the information may be a result of identity theft; (2) that an identity theft report has been filed; (3) that a block has been requested under this section; and (4) of the effective dates of the block. Remove this account from my credit report and release me from all debt claimed to be owed.

  Business response

  06/30/2022

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10CFR 1016. If the person in question is a member of our Credit Union, we will respond to him/her directly as required by applicable laws.

• Initial Complaint

  06/02/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been a victim of fraud-specifically gift card fraud. Someone who was impersonating my CEO contacted me by email and by text, asking me to purchase $4,100 in ***** and ****** Play gift cards. This is was my second week with the company & it is an advertising firm, where we offer incentives such as gift cards for clients who sign up to work with us or for conferences. The perpetrator spoke to me just as our CEO would have, asked me to purchase the various gift cards, as they said they were on the conference call & needed to be able to give the gift card codes to the clients and that is why they were not able to speak to me directly. Being the new employee that I am, I did what was instructed. When I questioned why it was a different number being used for the texts, they stated they were on the conference call & had to use a different number. When I questioned more about the gift cards, the perpetrator started to become more aggressive and I worried about making sure I was doing the right thing for our company. I only received 1 call from Marine Federal Credit Union asking me if I was making a purchase at **** **** for a gift card and was I being forced to make this transaction. Not once did Marine Fed let me know there is a gift card scam going on & to make sure this was not a scam. Not once did they try to protect my account other than a simple call to make sure it was me that was making the purchase. I have screenshots where I was told that I would be reimbursed for these purchases and to hold on to the receipts. When speaking with Marine Fed, I was told that this does change things, as it sounded like this was more legitimate. As soon as I realized I had been a victim of fraud I immediately reached out to Marine Fed. They did not seem to want to help, but took my info. When I spoke with Visa, I was told that in fact this was fraud & I should be protected & receive my money back from Marine Fed. I received a letter stating I was responsible for all charges

  Business response

  06/03/2022

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10CFR 1016. If the person in question is a member of our Credit Union, we will respond to him/her directly as required by applicable laws.

  Customer response

  06/03/2022

  
  Complaint: ********
  
  I am rejecting this response because:

  I am not certain that Marine Federal Credit Union will reach out to me. I am a member of Marine Fed, but how do I have assurance that they will reach out to me and help me with this resolution. This is their standard response on all the other complaints they have received.
  
  Sincerely,
  
  ********* **************

• Initial Complaint

  05/22/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Unanswered

  More info

  I paid off my vehicle loan in full with Marine Federal in April of 2020. I spent months making phone calls to them and getting the run-around about my title. They continiously lied and told me it was mailed. They then changed their story and said they had confirmation it was received by me. They changed the story again and claimed they are waiting for DMV to send them the title. After getting the run around for MONTHS I finally got ahold of someone who admitted they have no record of the title being sent to me or a new one being requested. She told me she personally ordered it and would over night the title to my office in *** ****. It did not come for a week or two and when it did, it was only a request for title (not the title itself). I continue to get correspondence at my office (the latest was April of 2022). This issue with my title caused me to not be able to sell the vehicle as intended for quite some time. Eventually, I was able to find a buyer that would go to DMV with ne and work with me to request a new title and change it to her name at that time. I spent $250.02 at DMV for the title fees altogether. Had Marine Federal given me the title when I paid it off, the Buyer would have had to pay any transfer fees, not me. Marine Federal is unorganized and was not able to provide me with a title after my loan was paid off. They also failed to remove the lien after it was paid. I had to get proof from DMV that it was showing on record and then make dozens of phone calls to Marine Federal to get it cleared up before I even contemplated selling it. They breached the agreement and put all the work and costs on me associated with giving me my title back. To this day, they keep sending me a duplicate title request and I sold that vehicle myself months ago. I'd like to be reimbursed for the $250.02 I spent out of pocket because they failed to give me a title after I paid off my loan.

• Initial Complaint

  02/25/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I have a issue with Marine Federal Credit Union. I had injured my knee cartilage at work. I requested to skip a month February 9, 2022. 23rd February I was called and told no because I did not pay August or November. After research I proved it was paid. Then I was told I owed insurance. Insurance proved I only used it for one month, and provided proof of me having insurance. I do not think they kept up with my payments and whether cash or withdrawal. I also paid from my other account at***** Federal and I have proof. I was advised not to send it to them but I may do it anyway. I asked them for proof of me not paying they have not sent it to me or try to talk about something else. I am upset because now they are threatening to repossess my vehicle. I do not understand why I was not told months ago about the payment and insurance issue. She told me the manager told her to tell me they won't do escape them off until I pay the fees, I do not owe any fees. They are planning to repossess my vehicle next week. It is something different every time I speak to them. I do not feel like they're being professional or thorough and handling my account. I was sent a statement and it was late approving a statement was incorrect. Every time they say I didn't pay enough I have proof that I did, this is a mess someone doesn't know what they're doing. Because when I stop and let them know to trace the number oh yes here it is you didn't make a payment. Because I'm going through physical therapy I am unable to travel back to Jacksonville to in person. I want my billing and account cleared of all errors. I have separated from the military recently and I am trying to get on with my life as a veteran and head of a family this is really causing problems. We do need my vehicle. They should make this right.

  Business response

  03/08/2022

  Business Response /* (1000, 5, 2022/02/25) */ Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the Graham-Leach-Bliley Act and 10 CFR 1016. If the person in question is a member of our Credit Union, we will respond to him/her directly as required by applicable laws.

*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. ↩