Complaints

• Initial Complaint

  12/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I am writing to dispute the inaccurate reporting of the account *************** my credit reports. Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I have identified several discrepancies in the way this account is being reported. Specifically, I found that the account status, payment history, Date of Last Activity (***), and Date of Last Payment (DLP) differ across the three bureaus, which violates the Fair Credit Reporting Act (FCRA) requirements for accuracy and consistency in reporting. Both TransUnion and Experian report the account as charged off, while ******* also lists it as charged off but with inconsistent details and a different notation in the payment history. TransUnion and Equifax report the *** as 10/31/2024, while Experian reflects a different ***, which is a clear inconsistency. The reports show different DLPs, with some showing the last payment in November 2018, while others suggest the account remains active. This inconsistency violates the ****'s mandate for uniform reporting. I have previously reached out to the credit reporting agencies to resolve these discrepancies, and they have advised me to contact you directly as the furnisher of this information. As the source of the data, you are required to ensure that the information provided to the credit bureaus is accurate, complete, and consistent. The discrepancies in the reporting of this account across the three bureaus are not only confusing but also damaging to my credit standing.Therefore, I am requesting that you immediately investigate this matter and remove this account from my ********************** report due to the multiple violations of the *****

• Initial Complaint

  12/13/2024

  Complaint Type:

  Product Issues

  Status:

  Unanswered

  More info

  **** send in the mail a policy for life insurance. I accepted and was billed correctly since 2012, I find out today its more like Aflac, so that means there is no life insurance. Im way older then I was then so come to find out the company they do business with is **************, I called them they dont even offer life insurance.

• Initial Complaint

  11/13/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.TXTCU ACCT #: ***************** ***. $984.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

• Initial Complaint

  09/30/2024

  Complaint Type:

  Product Issues

  Status:

  Unanswered

  More info

  As of today Sunday September 29th i have been charged on overdraft fee. On a traaction that "posted". When did transactions start posting on weekends? And if transactions are posting on weekends whey did I have to wait for a transactions to fall off my account the didn't go through on a Thursday. But, did fall off until that following Monday. I'm so tired if hearing it's your master card and thats how they operate while this low down sheisty charge a literal fee for everything. Even when the funds get returned the still charge that fee as part of the limited amount. I absolutely hate this bank. They've even charged me a fee for bad address after walking into the ***** and giving them a completely different mailing address. They literally mailed my card to me at this address. Never had a pleasant conversation with a representative. They always have attitudes even the managers. I had fraud on my account and wasn't in the state and the manger on the phone was a complaint a****** for no reason and didn't try to assist me in any way. And literally caused their associate to get a bad survey to to his actions of escalation instead of de-escalation. Did I mention i hate this bank. I'll be writing as many reviews as possible and will be asking those around me to do the same

• Initial Complaint

  09/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I tried to open an account but was denied and was not given an exact reason of why I was

  Business response

  09/25/2024

  Thank you for allowing us an opportunity to respond to this complaint. The application in question was submitted via our online account application on September 4, 2024, the application did not pass our screening process and was declined. As a result, an Adverse Action letter was emailed to the address provided on the application. The letter included the steps for obtaining additional information in reference to the decline since it was based on information from other sources. In addition to the Adverse Action Letter, a Texas Trust Credit Union representative called him on the same day and the decline reasons were communicated at that time. We reached out to him again on September 17, 2024, following the complaint to review the original decline. He requested to resubmit his application, it was declined in the screening process again and the information was shared with him. Unfortunately, we have been unable to open his account at the writing of this response. Our goal is to provide exceptional service and we do not want to turn away someone from opening an account. We would be happy to help him open an account once the screening process items have been cleared. 

• Initial Complaint

  08/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On July 22, 2024, I proceeded as normal to pay my car payment with Texas Trust Credit Union (TTCU) using their online portal. Previously, I have done this numerous times in the past. But, on this date, I realized and learned that TTCU had changed their online banking portal. On this evening, using the contact portal on the website, I sent a message to ask TTCU for assistance with making a payment. Compliant - no information was provided prior on how to access the new online banking portal which was very confusing. The next day information was shared with me about how to access the portal, but I learned quickly to get setup, I had to have a member # was required to access. I didn't have the information and so I had to contact TTCU once again by phone, but it took a few days since I had to call during the business day when I had time from work. After getting the member #, and finally got setup in the new banking portal. But I learned, there was no option to make my payment from my other bank account as previous. I logged on the website and found a way to make one payment outside of the new banking portal. A week later, I got additional funds to make another payment, but I learned that the option to pay through the website once logged one said "my account was on hold, call collections" to do so. I found this disturbing and ridiculous as I had made a payment recently and was attempting to make another payment to further catch up my account. I logged onto the new banking portal to see if I can try again to setup paying from my other account. But, the system did not appear to be working. I once again sent a message to TTCU about the need to make a payment, but they stated again to contact collections. Basically, they are refusing to allow me to make a payment online and as result my account is not able to be caught up (as I can't call). Complaint: The bank is preventing me from making a payment as I have done many times, and not further wanting to assist me.

  Business response

  09/05/2024

  We communicated with ****************** on August 22nd and advised that the pay by web feature was not available to him due to the severity of delinquency on his account when he tried to pay. The credit union was engaged in trying to reach out to Mr. ******* during this time. We did make contact on our eighth attempt of the month, on July 16th and offered to set up the payment. He refused and said he would take care of it himself. The issue of his loan reporting late, happened at the end of June as he was more than 30 days past due impacting his credit report. We did advise ******************, there are other ways to make payment and to communicate with us when we are trying to reach out to him to prevent this from happening again.

   

   

   

   

  Sincerely,

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

  Texas Trust Credit Union

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

• Initial Complaint

  07/01/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was charged a wrong address few of 5 to my account after I changed my mailing address to my PO box almost a year ago. Never heard of a bank charging a fee for a wrong address in the 1st place which is horrible business. But to be charged a fee after specifically going onto one of the fewer bank branches they have to change it makes me upset and I will be opening a account with anywhere back since this how you all want to do disservice to the community.

  Business response

  08/21/2024

  August 21, 2024
  
  ***************
  Business Representation and Data Insights Specialist, Better Business Bureau
  
  Re: Complaint ID *******
  
  Dear Ms. *******
  
  We have reviewed the formal complaint submitted by *********************** to the Better Business Bureau and provide the following information in response. 
  
  Our records indicate that Ms. ****** account was opened March 31, 2014, with an address of ***************************************************. Her address was then changed to ********************** ******************* on April 26, 2017.On October 13, 2022 it was changed from *************************************************** to ******************************************.
  
  On April 18, 2024, we received notification from the United States ************** that the address we had was a bad address, therefore, per our fee schedule, we began charging a $5 bad address fee monthly. This fee was charged in April,May, and June. ************** updated her address on July 1, 2024, to ************************************************************************************************************************** and we removed the bad address flag on her account.
  
  It was determined that one of the bad address fees had already been refunded out of courtesy.  Then, the decision was made to refund the other two fees as well.
  
  Since receipt of this complaint, we have attempted to contact ************** at ************ on the following dates; July 18th, 19th, and 30th. These phone calls were followed up by an email to ************** on July 30th, which was sent to the email address provided in the BBB dispute.The phone calls and email resulted in no response.
  
  Texas Trust Credit Union provides a fee schedule as a part of the account opening process and continues to provide an updated fee schedule on our website. Thank you for allowing us the opportunity to address Ms. ****** concerns and we apologize for any inconvenience this may have caused.
  
  Sincerely,
  
  ***************************
  Vice President, Payment Solutions
  Texas Trust Credit Union
  
  CC: *****************, CEO/***************************, President

• Initial Complaint

  06/27/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have fallen in a financial hole and have been struggling to get out of it, I finally broke down and asked for help from my mother so I could get my finances back in order. Luckily, my mother was able to loan me $1300 to satisfy incoming transactions to my checking account and to avoid cell phone service disruption and wifi service disconnection which I need because I do have to work from home 2 days a week. I deposited the check from my mother on Monday , 6/24/24. The employer who completed the transaction said there would be a 2 day hold on the check. The next day when I looked at my account it said there would be a hold until 7/3/24. In the meantime, my the money my mother loaned me to help has been wiped out due to fees because of this hold. I have been a member of this credit union for approximately 30 years. It has changed hands and business names from General Technologies, to qualtrust and now Texas Trust and after all these years, and after all of the checks I have deposited for well over 1300 in the past (that did not have holds placed on them) they suddenly decide to punish me and assist in depleting the help I desperately needed to get things back in order. I called and spoke to a very nice lady on 6/25/24, she said she would have someone from the branch I went to call me to assist me . A lady did call and left a voicemail, but when I call her back it goes straight to voicemail so I called the main branch number and have been on hold 20+ minutes and no one answers. I have a job and cannot sit on the phone all day. By no means to I claim to be 100% faultless but to place an additional burden on me for such a small check is I fathomable. I feel like I am being punished for falling on hard times. I have made poor financial decisions but in the last year and a half my sons father shot himself in the head and is dead. There were funeral costs and travel I had to help cover and then my daughter graduated high school. These are expensive times. Im disappointed

  Business response

  07/19/2024

  Please see our attached response to the complaint. Thank you in advance for assisting to resolve this matter. 

• Initial Complaint

  03/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  Credit Union has violated the personal loan contract. Poor communication and not providing documentation as required by law are also a factor. I attempted to resolve my issue with the credit union and the were unwilling cooperate in any manner. After multiple requests for my loan documents, statements and payment coupon since July 2023 I missed a payment in error as I had no resources for the account. Despite my immediate resolution and never having a late they refused to remove the **** from my credit. In March of 2024 after multiple requests over the months I was finally able to get access to my requested documents and after review have found the credit union in breach of contract and several federal regulation.

• Initial Complaint

  03/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  There is an item on my credit report that lists TXTCU as the creditor for account *****************. I don't believe that I've ever had an account with your company. The account status says that this account is currently opened and if this is true, then this is definitely not my account because I have no open accounts with Texas Trust Credit Union. I never received any correspondence via mail stating that there was an account that was charged off and needed my attention. This goes against the **** and the protection of consumers. How are you reporting a debt that I did not legally verify? Please take note that my information was compromised in the ************ breach, and you failed to send debt validation or any copy of my identity that would deem me liable. With any loan or agreement there should be copies of ID and SSN on file and this was not sent to me. Furthermore, after contacting the *** they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status when there was no 1099c sent. This is called tax fraud upon the *** and you will be reported for such. You violated the **** 15 USC 1681eb by reporting information that's not 100% accurate. The *** directed me to file form 3949a for illegal tax violations upon your company. At this time, I am only demanding you to remove this item from my credit report.

  Business response

  03/27/2024

  Morning *****************, 

  Attached you will find our response to the complaint filed by ***************************. Thank you for allowing us the opportunity to address ****************** concerns and we apologize for any inconvenience this may have caused. 

*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. ↩