Complaints

• Initial Complaint

  12/31/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows:? Creditor Name: University of Wisconsin Credit Union First of all. the account has been reported as charged off, the **** (15 U.S.C. 1681c(a)(4)) mandates that a charge-off can only be reported for seven years from the date of the first delinquency leading to the charge-off. Repeated reporting of the charge-off as a new event does not reset this statute of limitations and is *********** has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. ******* and ******** both showing different payment history.Credit bureaus are all reporting inaccurate payment history, for example EXPERIAN is reporting no payment history from Missing payment history October, November and December of 2020, ****** **** June, July, August, September, October, November, December of 2021 Whereas, Equifax is reporting no payment history on January, February, June, July, August, September, December 2020. This means that two different bureaus are reporting two different inaccurate payment history.

  Business response

  01/10/2025

  Thank you for your membership and for bringing your concerns to our attention. We attempted to connect with you and have not heard back from you. We have reviewed your complaint and summarized how we addressed your concerns in a letter dated January 9, 2025 that you should receive at your home *********** can always contact us by calling **************. 
  

• Initial Complaint

  10/15/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I purchased a lemon vehicle that I found on UW Credit Union website. I was having troubles finding a dealership that was honest and sold cars that ran. I decided to go through **** and purchase from their partner since they were an honest and *********. I read that they would not finance a lemon vehicle and that is what their partners sold me. I have been through h*** I went through o dealership after dealership and no one will help me. Now I am being forced to take a repo! I lost my great credit I had and now the vehicle le doesn't even run! I want the $1688 I paid for the catalytic converter, I want the vehicle taken back! I still have warranty until May 2025. The first day I bought it was the only day it drove the way it should. The second day it died. And hasnt been able to drive regularly since. I want a $0 bill of health. I am a single mother and it took me 12 years to get a 704 credit score! I did all the hard things. I shouldnt have to take a repo for a vehicle that never worked in the first place! UW Credit Union needs to take responsibility.

  Business response

  10/25/2024

  Thank you for bringing your concerns to our attention. After reviewing your complaint, the credit union reached out to you to address your concerns and we have summarized the outcome in a letter dated October 23, 2024 that you should receive at your home address. You can always contact us by calling **************. Thanks so much for your continued membership. 

• Initial Complaint

  09/02/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with university of Wisconsin credit union. I do not have a contract with university of Wisconsin or any bureau. they did not provide me with the original contract as I requested

  Business response

  09/13/2024

  Thank you for bringing your concerns to our attention. After reviewing your complaint, the credit union reached out to you to address your concerns and we have summarized the outcome in a letter dated September 10, 2024 that you should receive at your home address. You can always contact us by calling **************. Thanks so much for your continued membership. 

• Initial Complaint

  07/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have a mortgage with UWCU. In May 2023, I started making early payments to my mortgage. I expected interest after those payments would be calculated on the reduced principal. I paid $170,000 in early principal payments in 2023 but the credit union charged interest as if those payments had not happened. I was also charged 7% interest on variable interest mortgage months before the rate increased from 5% to 7%. I estimate the excess interest charged to be over $2,000 for the year. On 1/1/2024, the new interest charges reflected the reduced principal resulting from the payments but the excess interest charged throughout 2023 was not refunded. I met, in customer service at the ********************************************* office, with credit union representatives on June 27, 2023 and presented this problem. The credit union accepted the information but had no response. I wrote a letter to the credit union on March 6, 2024 and advised them again of the problem. I received no response. I met again with credit union representatives at their office on May 28, 2024 and presented the entire situation and gave them extensive documentation demonstrating the problem. During the meeting, we talked to Dovenmuehle, the mortgage servicer, on the phone and sent them copies of the supporting material that I had brought to the meeting. The credit union representative said they would investigate and get back to me. The only communication I have received from either the credit union of Dovenmuehle in the seven weeks since that meeting is an automated email on May 29, 2024 acknowledging that they have "received your inquiry".

  Business response

  08/19/2024

  Thank you for bringing your concerns to our attention. After reviewing your complaint, the credit union reached out to you to address your concerns and we have summarized the outcome in a letter dated August 14, 2024 that you should receive at your home address. You can always contact us by calling **************. Thanks so much for your continued membership. 

• Initial Complaint

  04/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I signed up for a checking and savings account at my school, ***************, and the rep at the school did not inform me that I had a reserved line of credit for by debit card. I was using the card with the knowledge that if I did not have enough in my card, it would be declined. I use the card for small transactions, and I accrued a negative balance of ***** when it kicked in. Also, I never received a notice that the credit line was activated. I only received a past due balance notification.

  Business response

  04/15/2024

  Thank you for your membership and for bringing your concerns to our attention. A summary of how we addressed the issues raised has been sent in a letter dated April 12, 2024 to your home address. If there is anything else we can do for you, you may always contact us by calling **************. 

• Initial Complaint

  04/03/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had a mortgage with UWCU for approx. 15 years on a home I sold on 11/2/2024. I held an escrow acct. with UWCU to pay taxes and ins. When I sold the home, the escrow was to be disbursed to me. A doc. dated 12/4/2023 from UWCU shows that in Nov., the escrow account was zeroed out by UWCU with the transaction listed as **** Refund", presumed to be escrow refund. By then I had already put in a forward add. to **** to ensure all mail would be forwarded to my new add. I decided to ask as to the whereabouts of this money/check on 12/27/23 since I had not yet received it. I was told that it can't be simply transferred into my UWCU acct. and that a check would need to be issued and mailed. They said that issuing and mailing a check could take up to ***** days and they couldn't tell me if one had been issued at this point in time. The suggested I wait longer as if I had them start the process over it would re-start the ***** day period, surrendering all the time that had already surpassed. I took their suggestion and waited longer. I also learned that even though I had updated my address with UWCU, that was not sufficient w/ the UWCU Mortgage Services, and I would need to submit a paper form with them as well. I submitted the form via mail in Dec. I called UWCU again in Jan. and they said it didn't show the check had been issued and they now suggest a reissuance with the ***** day window restarting. I agreed to this and again waited. I called again 2/29 to determine the status of this check. Again they couldn't tell me if it had been issued, but suggested I wait until 3/14/24 and call them again. I called back 3/18/24 they said no check had ever been issued. 2 customer service supv. assured me this would be expedited and the check would be 2 day air w/i 5 days. It is 4/3, 5 MONTHS after the **** refund" and I still don't have my $5120.56. Today they say check was 2 day aired to my old add. even though they have my current add. I req'd new check again today

  Business response

  04/15/2024

  Thank you for your membership and for bringing your concerns to our attention. We reached out to you and discussed your concerns on April 5, ***************************************************************************************** a letter dated April 12, 2024 sent to your home address. If there is anything else we can do for you, you may always contact us by calling **************.

• Initial Complaint

  01/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have identified certain transactions on my consumer report to be a result of identity theft. I confirm that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be removed, blocked, and deleted within 4 business days from the receipt of this letter. Account ********** WISCU Account Number: **********Sincerely,*****************************

  Business response

  01/26/2024

  Thank you for your membership and for bringing your concerns to our attention. We attempted to connect with you and have not heard back from you. We have reviewed your complaint and summarized how we addressed your concerns in a letter dated January 23, **** that you should receive at your home address.You can always contact us by calling **************. 

• Initial Complaint

  01/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In 2019 I bought a car in June and didnt receive a payment book until August of 2019,I made my first payment in September of 2019. The next month October I made my next payment and set-up bi-weekly payment and pay half a payment in the middle of the month. The next month the Credit Union took a half payment and didnt take another payment the rest of the year.The Credit Union sent me a letter saying my payments for November and December were late and sent the information to the credit bureau and charged me a late fee for the two months and never said anything about a late charge for a August 2019 payment that was not paid.I didnt receive a payment book until August of 2019. If there was a missed payment why was it not mentioned when I received the letter dated December 27, 2019?I paid a full payment in October and then a half payment in the middle of October so I should have always be a head of the payments.I made the payments for November and December 2019 to catch the payment up.But the Credit Union took a half payment out in November 1 2019.Now the Credit union have been charging me a ten dollar late charge every month since 2020 saying I was behind and I have biweekly payments automatically coming from my account. This ********************************************* never sent me anything showing figures pertaining to the account.I when to the ********************** to ask for a balance and saw all these late charges and couldnt believe what I was seeing. I talked to a manager and he told me I never pay my August of 2019 payment. This wasnt true, and he told me I needed to catch the account up so I pay the balance of the remaining balance for the August 2019 payment, if this was the case when I received the letter in December of 2019 why was it not mentioned then ? I would like a full refund for all the late payment. Bi-weekly auto payments and late payments dont go together makes no sense to me. This Credit Union is ripping people off. I couldnt get refinanced to a better rate because of Uw cr.

  Business response

  01/24/2024

  Thank you for your membership and for bringing your concerns to our attention. We attempted to connect with you and have not heard back from you. We have reviewed your complaint and summarized how we addressed your concerns in a letter dated January 16, **** that you should receive at your home address. You can always contact us by calling **************. Thanks so much for your continued membership. 

• Initial Complaint

  12/08/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have a personal loan with UW Credit Union and they have banned me from coming to their branches when I was not disorderly in any way. I asked them for all of my ACH forms that I have filled out since I started this loan with them and they refused to turn them over and told me I needed to leave and would not return the $210 I had just made for a payment on their account. I have filed a discrimination complaint and a lawsuit due to the fact that they are defaming and slandering me and discriminating against me. I think they are putting negative things on my credit report when the November 2023 statement showed I was current.

  Business response

  12/24/2023

  Hello ****************, 

  Thank you for bringing this issue to our attention.   We have been in contact with you via communications with individuals specifically assigned to your case.   If you continue to have additional issues or questions, please follow up with the credit union representatives assigned to your situation. 

  Thanks again, 

  UW Credit Union 

• Initial Complaint

  10/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On September 19, 2022 I cashed a check legitimately in put it in my former bank account. On September 23, 2022 I got a message from uw credit union saying the check was canceled. How do You legally authorize a stop on a legitimate check after it was cashed days before. I did not deposit the check I cashed it and then put it into my account. I want an investigation as I'm not at fault or responsible for any cancelation fees or paying back the check. Uw credit union should not have authorize the check to be canceled as it was cashed Legitimately and not deposited until after it was cashed. This is legally not how the policy or protocol works. I would like to speak to uw credit union's legal department immediately on this matter and have this taken off my name and credit report. I do not acknowledge fault on my put and I don't want my former bank account back I only want to remove the fee's and collection from my name as I did everything legally.

  Business response

  10/19/2023

  Hello *******,

  We appreciate you bringing this issue to our attention. We connected with you on October ************************************************************ the future by calling **************. Thank you for your membership. 

  Customer response

  10/25/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [On October 13th, ********************************** to ask my side of what happened. I explained I pulled up to the drive through at UW credit union to deposit my check. I was told by a teller that the check will be placed on a hold over a week or more. I didn't want to wait so I declined depositing the check. Before I was about to leave I was told by the teller I can cash the check and that there was no hold but I can only cash my check in person. So I pulled out of the drive through and parked then went inside the credit union and cashed the check on September 19th, 2022. Adter cashing the check I wanted a money order to pay housing assistance SDC their portion so the teller who cashed the check informed me that I can get a cashiers check at no extra fee. I then placed the cash from the check I cashed in my account and got a cashiers check made out to SDC housing assistance and left. 5 days later on September 23rd, 2022 I received a message in the credit union app that the check was canceled. After explaining this to the lady representative who contacted me on October 13th, 2023 I told her I'm not at fault and the company at fault was my former landlord Parkeast ************* which I filed a case and went into mediation with. The representative asked if a copy of mediation can be sent to her by email. I sent her a copy after she gave me her information. The representative told me that she must respond back to BBB and I said that is fine. I haven't heard from the representative since this call. I would like to see this matter be resolved by my name being cleared from this as I do not acknowledge fault in the matter. ]
  
  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. ↩