Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:03/14/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My employment status changed due to FMLA leave on 9/30/2022 which directly affected direct deposit amounts to my account as a overdraft protected Signature member of this banking establishment. Since that date, there have been over 20 overdraft charges that previously would not have been charged. I have been an account holder in good standing since 2016. On 2/17/2023 I was diagnosed with a malignant breast tumor. I continued to try and rectify all fees that accrued on the account. However, on 3/3/2023 they denied a $5 debit card charge (covered with my overdraft protection) and charged a $30 fee for their inconvenience. As an admittance of their error, they refunded $90 (three overdraft charges) but did not change the status of my rejected life insurance.

  Business Response

  Date: 03/20/2023

  We are very sorry to hear of our members recent diagnosis and regret that the status of this account is adding to her difficulties at this time.
  Overdrafts on this account have been a regular occurrence since at least 2020, as have our members requests for refund of fees.  We have refunded overdraft fees of $450.00 in the past year alone. The account has a limit to the amount it can be overdrawn.The negative balance on the account reached that limit prior to presentment of the item in question. The $5.00 item was a pre-authorized debit for AD&D insurance and not a debit card charge for Life Insurance.  Returning the item unpaid was not an error. The refund of $90 in fees to which the member refers was another in a series of our goodwill gestures and attempts to provide assistance.   
  Notes on the account indicate that we have recommended  to the member that she discontinue automatic debits against the account and to cease using her card when the balance is already negative.  

• Initial Complaint

  Date:02/21/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 02/21/2023 I called to report fraud on my card after I sat on the telephone over an hour wait to be told they can't do anything about it. I am out $43.92 I am on SSI and cant afford to be ripped off. **** did not care to help only wanted to transfer the blame and make me wait on the phone. Boy if it takes this long that means not enough people or they have a lot of problems with these cards????. ************* practice is what this bank need's Fraud is a crime and your people ask me to wait let them pull more money out?????????

  Business Response

  Date: 03/20/2023

  Thank you for providing feedback regarding your recent experience when you filed a dispute for an unauthorized charge on your account. Per our phone conversation on March 16, 2023, your complaint stemmed from a dispute of a charge from the *************** for $16.95 that posted to your account on February 23, 2023.*************** reimbursed your account for $16.95 the following day, on February 24, 2023. We now consider this matter to be resolved with no further action needed.

• Initial Complaint

  Date:02/09/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In 2006, I went to Wescom to apply for an auto loan. To put it simply, life was wonderful until I got into a car accident and was rendered unable to maintain the car payments. For financial reasons, I informed them that I would need to arrange a voluntary repossession. About 6 years later, I've been served with court documents demanding my presence in connection with the car loan. When I show up to court, the judge dismisses the case because the Wescom attorney didn't show up. Here we are in February of 2023, and I've just checked my credit report to find out that Wescom has made a hard inquiry into my credit history without my permission. The hard inquiry that was performed without my permission should be removed, and I'd appreciate it if they'd stop doing it in the first place.

  Business Response

  Date: 02/17/2023

  We have researched your complaint and have found that the credit report inquiry Wescom Credit Union completed was valid and necessary.  Please contact Wescom Credit Union, *********************, at *************************** to further discuss this matter.