Complaints

• Initial Complaint

  05/31/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  GHS has to be the worst. I first had a car loan and quickly paid that off right off the start i was getting threatened by there staff. They took over $500 out of my bank account in monthly fees during the first month. I spoke to Jim W******, Who is the VP of operations and he told me to go * off. I opened a **** about a year ago and i shut down my card and then GHS started charging monthly fees on with that. After paying my $500 credit limit card, Ghs took out a $25 fee and never told me about it. I was "Late" on 5 months due to GHS and there scam. I have been called discrimination by there upper management including there own CEO ***** W******* They do not care about there members one bit and will scam every dim out of you. I simply want GHS to make things right and remove the FALSE credit report that was due to there mistake

  Business response

  06/10/2024

  This response is in regards to a complaint placed with the Better Business Bureau by Mr. ****** ****** on 5/31/2024; and assigned an ID of #********. Mr. ****** ****** was a member of GHS Federal Credit Union (GHS) from 2/7/2020 to 4/29/2024. Mr. ****** had a savings, checking and credit card with GHS. Over the course of his financial transaction history with the credit union Mr. ****** struggled to maintain positive balances or on time payment history: Checking: 11/14/2022                         Checking account charged off for delinquent balance of $284.20. 2/16/2023                            $25.00 payment towards charged off checking. 2/16/2023                            GHS FCU refunded $100.00 in fees on checking. 6/10/2024                            Charged off Checking Balance is $159.20. Credit Card:                                              Credit Card payments are due by the 14th of each month.         6/14/2023                            Credit Card payment due.         6/24/2023                            Late fee assessed on account.         7/14/2023                            Credit Card payment due.         7/18/2023                            Partial payment received.         8/14/2023                            Credit Card payment due.         8/16/2023                            Partial payment received.         8/24/2023                            Late fee Assessed on account.         9/14/2023                            Credit Card payment due.         9/18/2023                            Partial payment received.         9/24/2023                            Late fee Assessed on account.        10/14/2023                         Credit Card payment due.         10/16/2023                         Partial payment received.         10/24/2023                         Late fee Assessed on account.         11/14/2023                         Credit Card payment due.         11/16/2023                         Partial payment received.         11/24/2023                         Late fee Assessed on account.         12/14/2023                         Credit Card payment due.         12/21/2023                         Partial payment received.         12/24/2023                         Late fee Assessed on account.         1/14/2024                            Credit Card payment due.         1/16/2024                            Partial payment received.         1/24/2024                            Late fee Assessed on account.                                                         No further payments received.         2/24/2024                            Late fee assessed on account.         3/24/2024                            Late fee assessed on account.         4/24/2024                            Late fee assessed on account.        4/29/2024                            Credit Card charged off by the GHS Federal Credit Union Board of Directors for the balance due of $405.40. Mr. ****** has visited the GHS Federal Credit Union branch, located at *** ***** ******* *********** ** *****, on many occasions and has had to be escorted from the branch due to his vulgar language. He has also called the GHS Call Center and has also used the same vulgar language. Mr. ****** files consumer disputes through ******** claiming that the information that we are reporting on his credit history is inaccurate. Each time he files a Consumer Dispute we verify that the information reported is correct and return the verification: Verified as Reported. GHS Has worked with Mr. ****** in good faith to pay his outstanding balances; however, he has not paid the balances due on his charged off checking account or his credit card. GHS Federal Credit Union is a Federally charted financial institution (Charter #****). GHS Federal Credit Union follows the laws of the Federal Government and the contractual terms of our agreements with credit reporting agencies and third parties when reporting all transaction information. These include: Fair Credit Reporting Act       15 U.S.C. § 1681 Fair & Accurate Credit Transactions Act     Public Law 108-159 Equal Credit Opportunity Act     15 U.S.C. 1691 **** Master Service Agreement ******** Master Service Agreement  ********** Master Service Agreement  ******* Master Service Agreement EOscar Master Service Agreement GHS Federal Credit union will not change credit reporting details; unless there is an error in reporting, as required by the laws and agreements noted above. There are no errors in the information that has been reported on Mr. ****** ******. To directly address complaint #******** from Mr. ******: Mr. ****** did not have any issues with GHS Federal Credit Union until he overdrew his checking account in 2022 and refused to pay the credit union back. None of the staff at GHS FCU has used vulgar language with Mr. ******. As you can see from the included email communication it is he who continues to use this language with the GHS employees. Mr. ******s credit card was shut down due to non-payment and a past due balance, he did not shut it down. Mr. ****** has received his monthly statements on his accounts and credit card; which is how he would have been informed of past due balances and late fees and charge offs that were occurring on his account and credit card. I personally have never communicated with Mr. ****** in any manner other than email. I have included those emails for your review. I have never used discriminatory language with Mr. ******. The credit reporting that has been made on Mr. ****** is correct. It is unfortunate when consumers misuse the Better Business Bureau to pressure reputable businesses into altering credit reports with inaccurate information. GHS Federal Credit Union stands firm against such tactics and remains committed to maintaining accurate credit reporting. We believe in upholding the integrity of our financial practices to protect other lenders at risk for loss from consumers who do not honor their legally binding contractual agreements. Sincerely, ***** W******* ***President/CEO GHS Federal Credit Union Email:    *******************Phone:  ***** ******** En: Original BBB Complaint / Credit Card Statement / ******** Dispute / Email Messages 

  Customer response

  06/12/2024

  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.   All this information is incorrect. I was never escorted out of the office and ***** is giving false and not the whole story. There was fraud cases back in last year and GHS said they found it to be inaccurate since its local. Even with police reports showing a house fire and getting mugged in binghamton. They then closed all card accounts for this and which i was fine with. I went in about a year or so ago to make a credit card payment ($25) and the teller said the credit card was open and i could take money out. I then told the GHS employee how this is not correct. I then asked after i make the 25 payment would i be able to take money out or do i need to wait a certain amount of days to have it marked as i did the payment. They told me since i made the payment 45 min ago i would be fine and not marked as late. A few days later i get a letter in the mail saying i have a late payment with a late fee. I went to dispute this with a witness with me who if needed can message the BBB as well. I was discrimated by the GHS employee and have been disrelated since. I simply want GHS to fix there mistake. They closed my GHS mobile app where i was unable to get statements and find out my balance. This again where GHS like to hide infomation from there members and scam them out of financials. I have been disputing this for several months and every time i go in they treat me like i am worth nothing. There is over 20 police reports with the ****** County Sherriff of reports of how GHS scamming. We also have 53 other GHS members who have went thru the same thing and willing to stand up. I was told once that my account went to collections and asked for there number and which ***** refused to give. Which violated several state laws. This is where we are currently where GHS reported false information to the credit agency and refused to admit GHS made a mistake. I am also dislexic and requested several meeting with ***** to just get my point accross and to just make an agreement both partys will agree to if its simply me paying the full balance and ***** retraining there employees when a card is shut down they dont use it or something. But ***** refused to do so. We also requested several times to speak to the attorney that represents GHS and ***** is refusing to give this information. ***** and GHS have discrimated several times and just unwilling to help.  Regards, ****** ******

*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. ↩