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A BBB Accredited Business since
BBB has determined that Warren Federal Credit Union meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.
BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.
Reason for Rating
BBB rating is based on 16 factors. Get the details about the factors considered.
Factors that raised the rating for Warren Federal Credit Union include:
- Length of time business has been operating.
- Complaint volume filed with BBB for business of this size.
- Response to 3 complaint(s) filed against business.
- Resolution of complaint(s) filed against business.
- BBB has sufficient background information on this business.
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||0|
|Total Closed Complaints||3|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||5|
This business is in an industry that may require professional licensing, bonding
or registration. BBB encourages you to check with the appropriate agency to be certain
any requirements are currently being met.
These agencies may include:
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Type of Entity
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Complaint Trends - Last 3 Years
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BBB Customer Review Rating Overview
BBB Customer Reviews Star Rating represents the customers opinions of the business. The Customer Review Star Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score. Below is the Customer Review Star Rating scale.
|Positive Review||5 points per review|
|Neutral Review||3 points per review|
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Read Complaint Details
Complaint: I obtained the loan in March 2014 form Warren Federal Credit Union, I never received any information regarding account information to make a loan payment on my loan. I contacted Warren FCU to make a payment and they then charged me a $25 dollar fee to make a payment over the phone. I bank online, had I received loan informatin in the past 8 weeks from Warren FCU I would have been able to make the payment in the time period for my bank to post the payment, however due to the negligence of Warren FCU not sending me loan information at all, and refusing to waive the fee of $25.00 to make the payment over the phone, I have now incurred a financial loss as a result of the negligence of a company Not sending loan documents to me.
Desired Settlement: Refund the Fee Warren FCU charged me to make a payment over the phone.
Re: Case #********
Better Business Bureau:
BBB's Final Determination: Consumer accepted resolution offered by the business.
Read Complaint Details
Complaint: Warren fedreal credit unit charged me 1592.00 dollars for "force placed insurence" in a 8th month time frame. In March of 2012 I purchased a motorcycle from ************** in ********, Colorado and it was financed through Warren Federal Credit Union. To finance my loan I was required to provide proof of insurance which I provided liability insurance. I had no idea that I needed full coverage for it. Then they put in affect "force placed insurance" on the motorcycle that was approximately 200 dollars a month. It cost me 500 dollars a year for full coverage from my insurance company (Dairyland Insurence Company policy # CO XXXXXXXXX). In this 8 month time frame no one contacted me in anyway or form. They have my email, phone, and a address where I received mail at the time. They said that they sent me 2 or 3 letters to XXXXX C.R. 18.3 ********, Colorado. This is where my mother lived at the time and I receved my mail. They said the letters got sent back to them. I never received any emails or phone calls until 11/12 from a collections employee named Alan his direct number is XXX-XXX-XXXX. He informed me that I needed full coverage so I went down and got full coverage as soon as I found out I needed it. He then told me that he needs me to pay at least 277 dollars because my account shows 106 days delinquent. So I asked him to look up my payment record. He then read me my payments and they were on time every month. So, I continued to ask him why the computer said I was delinquent even though I was not. He told me that's how the computer says it. I then asked if I could refinance my loan so he transferred me to Andrea whos number is XXX-XXX-XXXX. She took my info and turned it into a under-writer. I then called her back a week later and left a message. She called me the next day and said that I am pre-approved for refinancing. I asked her what my interest was going to be and she said it was going to be a little higher from 13% to 18%. I asked why it was higher because if anything it should be lower and she said because on my credit it says I'm 120 days delinquent on my motorcycle loan. I just don't see how they can say that and ruin my credit when I have always made my payments on time. So, the main issues are the insurance money in which I had no idea I needed full coverage because I was not contacted and the delinquency on my credit report. Thank you for your time.
Desired Settlement: i want a refund of the 1592.00 dollars that they say i owe for the insurence and i want the delinquency off my credit for good.
Business Response: Business Response /* (1000, 6, 2013/03/13) */ In response to the compliant received regarding Case #XXXXXXXX, Warren Federal Credit Union has reviewed the Member's account and other activity surrounding the compliant. On March 9, 2012 the Member completed a contract for the purchase of a 2010 Honda Motorcycle with ************** in ******, Colorado. As part of this contract, the member completed an agreement to provide property insurance with Warren Federal Credit Union as the lien holder. The Member signed this agreement which included required comprehensive and collision deductibles showing full coverage requirements. Letters requesting insurance coverage information were mailed to the address provided by the Member on the date of purchase. The first letter was dated April 26, 2012, the second was dated May 24, 2012, and a full policy with premium amounts was mailed on June 7, 2012. In addition, a premium of $1,941.00 was added to the Member's loan on July 9, 2012 with an effective date of March 9, 2012. The Member obtained the required insurance coverage on November 6, 2012. This coverage was verified and a partial refund of the policy premium was refunded to the Member's loan account on November 27, 2012 in the amount of $349.00 leaving him responsible for a total of $1,592.00 for the lapse period of March 9, 2012 through November 5, 2012. As a portion of this Member's compliant, he appears to feel that the credit union did not try hard enough to contact him. The Credit Union must rely on contact information provided in order to relay valuable information to them and we must be able to rely on their signatures on disclosures provided as acknowledgment that they understand the contractual obligations of obtaining financing with us. Furthermore, the Credit Union's requirement for full coverage insurance is an industry standard to protect collateral used to secure a loan. As the Member failed to provide proof of the required insurance coverage, the forced placed insurance was issued based on nothing more than the outstanding loan balance at the time. This all being said, Warren Federal Credit Union is constantly pursuing ways to help our members. The credit union would be willing to negotiate with this Member to bring the loan current as reflected on our system and would spread out the forced placed insurance amount over 12 months, which would reduce the payment. Consumer Response /* (3000, 8, 2013/03/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) i am more concerned about my credit i do not understand why and how the have ruined my credit. i want my credit cleared and restored to its oringnal score. Business Response /* (4000, 10, 2013/03/26) */ In the member's reply to our earlier response, he wishes to have his credit repaired. In accordance with the Fair Credit Reporting Act (FCRA) as well as the Fair and Accurate Credit Transactions Act (FACTA), the credit union has a responsibility to furnish fair and accurate information surrounding a consumer report. The credit union has conducted an investigation in this matter and has deemed that the credit information being reported is true and accurate given the member failed to provide neither the updated contact information nor the agreed upon coverage causing the forced placed insurance to be applied. Even though the member did continue to make monthly partial payments through January, he has since failed to make either February or March payments. Therefore, the credit union has no duty to correct this information and will not be accommodating the member's request to have his credit repaired. However, the credit union will again be willing to bring the loan current as reflected on our system and would spread out the forced placed insurance amount over 12 months, which would reduce the member's payment. Finally, immediately before receiving the initial BBB complaint, the member was applying for a refinance of this loan. The credit union requested proof of income in order to finalize an underwriting decision. Although proof of income was not received, the credit union would also be willing to re-underwrite for a possible refinance if the member would be willing to provide us with the proof of income. The credit union is genuinely interested in resolving this matter and we hope that we are able to find common ground with our member.
BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved
Read Complaint Details
Complaint: they placed insurance on our truck,when insurance was already on it,proof has been provided,yet they continue to harrass us for payment. we were contacted two months ago about insurance on our truck.at that time we provided proof again,even though we had provided insurance at the time of purchase in march.we have been with the same insurance co. for over twenty years.then we began reciving recorded messages at all hours of the night to contact warren about our account.when we called the next day the people said our account was fine.next we began getting personal calls reguarding our insurance,again we provided what they requested.a week later we recived another call reguarding the same thing.after reciving four addional calls from different represintives on the same subject we have had enough.they do not have commucation,and could have treated ourselves with some kind of professionalism to say the least.to date we have been told by warren on six occasions the matter has been resolved,only to continue to recive late billing notices and phone calls.
Desired Settlement: we feel there should be some kind of penalty for the consistant harassment we have recived along with our administrative time consumed
Business Response: Business Response /* (1000, 6, 2013/02/08) */ In response to a compliant received, Warren Federal Credit Union (WFCU) has reviewed the member's account and other activity surrounding the compliant. The loan for the 2008 Dodge Ram was placed on WFCU books April 2012. Per the member's comments regarding the numerous calls, it was likely that the members did receive several calls leading up to the January 15th resolution of the forced placed insurance issue as the members made 7 out of the 9 payments after their due date (anywhere between 4-15 days after). Although there is a 10 day grace period for all WFCU loans, it is the credit union's practice to place one courtesy call on Tuesdays, Thursdays, and Saturdays for early delinquency. These calls are conducted during appropriate times as designated by law. Payment History is as follows: May 21 (6 days late) June 25 (10 days late) July 30 (15 days late) received $25 late fee August 13 (2 days early) Sept 21 (6 days late) Oct 22 (7 days late) Nov 13 (2 days early) December 19 (4 days late) Jan 22 (7 days late) In addition, during this time the credit union mailed three (3) letters requesting proof of insurance prior to the insurance being force placed on 1/8/2013. On that same day, WFCU call center staff called the member and were informed that CPI should not have been added as he had insurance all along. At that time, the member disclosed necessary insurance information which enabled the credit union to begin resolving the issue. On 1/15/2013, the WFCU Collection's Supervisor conversed with joint member. The Supervisor confirmed that a full refund was coming that same day and then followed up to ensure that it posted properly. Following resolution of the force placed insurance matter, the member's payment was due January 15th but payment was not received until January 22nd. Once again the member began receiving courtesy calls regarding the delay in payment. Due to review on the payment history of this member, the credit union has adjusted the member's due date to the 22nd as a courtesy to member. Consumer Response /* (450, 13, 2013/03/04) */ From: J & L Pipeline Sent: Friday, March 01, 2013 12:39 PM To: firstname.lastname@example.org Subject: Re: Case # 46030441: Warren Federal Credit Union Marcy, Damian Schlereth, emailed me the information that Warren Credit Union sent to you regarding our case. I did receive a letter from them stating that we needed to provide them with our insurance information. Here are the things that happened after that: 1) To start out before we were able to drive the truck off the lot that information was required by the loan company. Our insurance information was given at that time. At the dealership. 2) Since the purchase of this truck was due to an accident ( our truck was unable for use due to another driver running a red light ). After purchasing called our insurance to add the 2008 dodge truck. At that time my insurance sent them evidence of insurance. 3) I received a letter asking for insurance evidence and again I called my agent and she sent in again. 4) My husband starting getting calls from Warren credit union stating that we were late on our payments. I checked my records and we were current. But the calls kept coming they were steady and really aggressive. 5) After that again I called my insurance and they sent it off again. 6) On one of the many calls my husband got upset with the person due to this customer service man was very very rude to him. Saying we needed to pay our bills and so on. 7) I called and asked why they are saying we are late and finally got told that they had added 9,000.00 to our loan for insurance coverage and even though they received payments they were short due to the insurance added. 8) After that I sent the information through their website and email with copies of proof of insurance. Also while talking to the customer service person she said I had to also email the information to the company they use for insurance. That was done as well. 9) Still getting calls. 10) On one of the many calls my husband got upset with the person due to this customer service man was very very rude to him. Saying we needed to pay our bills and so on. That is why he called the BBB. 11) While he was getting in touch with the BBB. I called and asked for a supervisor. I told her what was going on. About all the calls and the harassment. She was very helpful and very professional. She actually got things taken care of and also said that she was going to talk to the gentlemen's supervisor regarding his demeanor on the phone with my husband. I believe this was the order of events. The supervisor was helpful and corrected everything which stopped the calls. I have to say again she was very professional. The one thing I do have to comment on is the payment history showing when we were late and when we were early did not have anything to do with the calls and harassing calls. It was due to the insurance being added and us not paying the full amount due. Everything is fine now just wanted to inform you on the events. Sincerely, Jolene and Lynn Johns
BBB's Final Determination: Consumer accepted resolution offered by the business.