Customer ReviewsforHorizon Credit Union

This company is absolutely evil. We purchased a toy hauler when I was working I contacted ***** and then got long-haul Covid which changed my life. I am disabled. I have brain fog. I fall asleep when I least expect it. I am unable to work. I have horrible, horrible muscle pains, we got two months behind on our payments to them and I had already started a hardship application with this company. I had to go through all of our financial information and give it to them. They dropped the ball and the next thing I know the repo man is here taking our toy hauler after I offered him what my I had not to take it he was intimidating he took it and the next thing you know we receive letters that we are being ***d for an additional ****** some dollars for money that they didnt get because we didnt finish the contract with them. I have children to feed have mortgage. We have bills I did not hide from them. I notify them of our hardship and they dont care they are disgusting people they hire attorneys ************************ who works with *********, ******, ******************* In *******, ********** to *** us after they sold the toy hauler under fair market value anyhow, they called us for a hearing for Motion of summary judgment and obviously we are unable to pay $15,000 to them after attorney fees if I cannot make the $333 month And after we were just behind two months, and I had notified them of this come up with Dollars in a month or 14 days I wrote letters to the attorneys, D*** and ****, pleading our case not to go to trial and explained our situation that I was disabled. I have already been devastated by the fact that I lost my job. but to top it off they had to go ahead and *** us after I sent them emails with photos of our family showing that we are real people and what they are doing has ruined us financially emotionally. So yesterday the first garnishment of my husbands wages took place and we now have no money to pay our mortgage so my husband $3000 check we got $800.

Thank you for your review. Horizon Credit Union's internal department has sent a response back directly to ******************. Due to the nature of the response and the privacy laws we cannot disclose personal financial information. 

I am a woman in my 50's who had good credit. I bought a new car in June of 2022 at Lithia and my credit application sent me through Horizon Credit Union. We have two homes and had the car registered at one but our mailing address is the other. Horizon sent all the information to the non mailing address and this resulted in our 1st payment being late. Even though they had my other address and email - there was no notification of this. I got a phone call and I went to my local branch and made the payment and set up autopay. There was a problem where they didn't think I had insurance so I had USAA send the information and even made extra on the payment so there wouldn't be a problem while that was sorted out.We bank with a small local bank. If there is ever a problem, a fee, or anything goes into overdraft we get a letter immediately with their logo on the envelope and our names in capital letters. I'm not allowed a lot of characters here so - long story short. I come to find out that they have been reporting me as "late" every month and charging me $10 - which is now $180. We have not received a single notification of this. In fact, going to the branch and talking to the call center - no one could figure out why this was happening because they could only see on time payments and then fees.You can't directly contact the collections department who are apparently the only holders of this information. The guy calls me a few hours after the call center sends a request. Apparently they have been trying to reach me by phone (you know the calls where you answer and there is dead air). They never resolved the insurance issue so they charged me an outrageous fee that they never notified me of and have been charging me a $10 a month late fee which they have not notified me of. The guy literally said to me "The problem is, you set up autopay".Now I can't buy the house that just came up for sale that is directly through my sons backyard event though my income, equity, etc

02/08/2024
*********************
*********************************
************************************
********, ** 59803
Thank you for allowing Horizon to respond to the complaint of ********************
************ purchased a 2022 **** Escape Hybrid from ********************************** on May 31, 2022, on a retail installment sales agreement (Agreement). On the same day, the Agreement was assigned to Horizon and ************ became a member of Horizon Credit Union. ************ provided the address of ************************************************************************************************* on the Agreement, her auto title application, and her signature card with Horizon.
************ later provided Horizon with an address of *************************************************************************** with an Address/Contact Change Request. (See attached). All initial contacts with ************ were at the ************************************* address since until August 30, 2022. Horizon was possessed of no other address prior to August 30, 2022.
Also on August 30, 2022, Horizon attempted to send a late notice to ************ at the ***************** ***** Road address. The collection letter was generated automatically on August 30, 2022 but Horizon recently discovered ************ did not receive this single letter. ************ did, though, receive all other communications from Horizon via email and phone.
Horizon is not aware of which address ************ considers a mailing address versus a non-mailing address. Horizon contacted ************ at ***************** ***** Road before August 30, 2022, and at ******** Drive after August 30, 2022.
************, as a part of her loan agreement, promised to insure the collateral (2022 **** Escape Hybrid). (See the attached welcome letter stating Ms. ***** insurance obligations). But by July 26, 2022, ************ still had not provided Horizon with proof of insurance on the collateral. (See Notice One). On August 23, 2022, Horizon sent a final notice that the collateral was still not insured. (See Final Notice). Remember, these notices were sent appropriately to the ***************** ***** Road address because ************ had not yet provided the ******** address in ********
until August 30, 2022. Ms. ***** loan payments increase to $665.97 to pay for insurance forced placed on the collateral. (See attached Notice).
Even though ************ payments increased on her loan because of the forced placed insurance, her direct deposits continued to be the original payment of $612.62, thus creating several late payments and late payment charges. Horizon attempted to contact ************ on numerous occasions only to be told by ************ that she purposely ignores calls and keeps her voicemail full to avoid unwanted messages. Her telephone messaging system was constantly in overload status and Horizon was unable to leave messages. ************ additionally never responded to any of Horizons email communications regarding the wrong payment amount after the insurance was forced placed on the collateral.
As to Ms. ***** late payments, Horizons records show that Ms. ***** first payment was due on July 14, 2022 and the 14th day of the month each day thereafter. Horizon received Ms. ***** first payment on August 31, 2022. And I reported ************ 30 days late to the credit reporting agencies, as was appropriate. And as we indicated Ms. ***** payments continued to be the wrong amount and late because of the forced placed insurance.
As to Ms. ***** statement that she was told her account was current, *********************** records have always shown her account with late payments and late charges. (See attached payment history)
If you have further questions, please let us know and again thank you for this opportunity to correct any misunderstandings.
Signed,
*************************
Collections Manager
*****************
**********************

Just say NO! Several disappointments with their services. Not out to help the members. Makes me wonder how they stay open. After 10 plus years as a member Im looking for a different place to do business!!!

******, Thank you for your submission. It is my understanding that our branch manager contacted you and corrected the situation to your satisfaction. If that is not the case, please call our branch manager again or ************ as soon as possible. Thank you again.

I was contacted by the local branch manager and posted a credit. Thanks for taking care of it in a timely manner.