Business Profile

Credit Union

Golden 1 Credit Union

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

This profile includes complaints for Golden 1 Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

136 total complaints in the last 3 years.
48 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:12/30/2022
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.
On April 7th, 2022 Golden 1 allowed a transfer of $50,000 from my trust account into ***************************** account without my authorization! Then on May 6th, 2022 Golden 1 allowed 2 transfers of $65,584 and $6,250 once again from my trust account into ***************************** personal account. If Golden 1 will read page ***** of their Member Disclosure Policy Manual and realize that safeguards were placed on the account before these large transfers were made. The manual also points out that...if the negligence is due to Golden 1 they will be responsible. This is Golden1's chance to abide by their policy's in the interest of justice. I sued this credit union in an arbitration court and it was a dog and pony show! A COMPLETE JOKE! I didn't get the outcome I deserved so I filed an appeal and it never took place. I am giving Golden 1 this opportunity to fulfill their Member Disclosure Policy and reimburse me or I have the legal right to file a suit against them in Superior court and I will ask the court for punitive damages. Punitive damages are $121,000 xs 3= $363,000!
Business Response
Date: 01/03/2023
January 3, 2023
*************************
2031 ********************
***************, ** 95762

Dear **************:
We received your complaint filed with the Better Business Bureau on December 30, 2022.
In summary, you state that Golden 1 Credit Union improperly allowed three transfers totaling $121,842.60 to be made from your trust account. You further state that Golden 1 should be financially responsible for those transfers pursuant to its Membership Agreement with you.
The account at issue was property of the ********************** Living Trust, of which you and your father, **********************, were co-trustees. You pursued claims against Golden 1 relating to these transfers from your fathers trust account in an arbitration you initiated in December of 2020. As you are aware, your claims (including negligence, among others) were denied in their entirety in the Arbitrators Award of August 13, 2021. We have enclosed a copy of that Award here for your reference. Accordingly, we consider all issues relating to the trust account and the transfers in question to be fully and finally resolved.
If you have any remaining questions, please direct your inquiry to attorney ********************** at ******************: ************************. As you know, ****************** represents Golden 1 Credit Union in connection with your claims. Her contact information is in the enclosed correspondence.

Sincerely,
Golden 1 Credit Union

enclosures: Arbitrators Award.
Initial Complaint
Date:12/28/2022
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.
Golden One filed an incident on Chex System stating that I owe them money. After multiple attemps to pay them, I was finally instructed to deposit $59 into my savings account at Golden One and they will use that to pay what I owe them. This was done and completed in Oct 2022. Once the money was deposited, Golden One immedietly debited my account for the amount owed. I have tried contacting them multiple times but nobody that works there seems to know what is going on. They claim they sent a letter to both Chex System and myself but I never recieved it. Their incident is still showing up on my Chex System report saying I owe them money even though it has been months since I paid fully.
Business Response
Date: 01/05/2023
Dear ***********************,

We received your complaint filed with The Better Business Bureau and **************************************** on December 28,2022.

In summary, you are upset you are being reported to ChexSystems after your account was paid in full. You claim ChexSystems is still showing an amount owed, and you and would like the error to be fixed. You also state you never received the paid in full letter from the Credit Union.

Our records show all fees were paid on October 18, 2022. We mailed you a paid in full letter on December 29, ****************************************************************** full.

Golden 1 Credit Union does not remove members records from ChexSystems after their accounts are closed and reported. We do, however, update the record status when the funds owed are paid, but the record remains in ChexSystems for 5 years.

If you have any additional questions, you may contact our ***************************** at 1-877-GOLDEN 1. Thank you for bringing your concerns to our attention.
Customer Answer
Date: 01/05/2023
I am rejecting this response because: Golden One Credit Union claimed multiple times over the phone that they mailed me a letter stating the account was paid in full. However, their response shows they never mailed the letter until they received my complaint on BBB. I still have not received the letter and the **** Systems has not been updated.

Business Response
Date: 01/06/2023
Paid & Full letter was mailed and attached. This matter is now closed.
Initial Complaint
Date:12/22/2022
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.
I received a check in the mail last week. I deposited it in my account via mobile banking because I work so much. I deposited it, the first day my bank doesn't issue funds, second day I received $250, and 3rd I received the reminder of the cashier's check. So Monday my account is in the negative, Golden 1 Credit Union returned the check! I'm like what in the world !!..... My bank processed the check and when I called Golden 1 Credit union the first 2 times they stated that with me not having an account they couldn't look up the check. So I called a 3rd time and I asked them to look to see if the check was real and Lord beholds the lady stated she could find that check number. My account is in the negative and no one is trying to help and do anything for me. I feel so unprotected by my bank now. Then charged me an return check fee and they placed restricted on my mobile deposit like I did this mess on purpose and I didn't . I have 2 girls I have to support !
Business Response
Date: 12/27/2022
Dear *************************,

We received your complaint filed with The Better Business Bureau on December 22, 2022.

In summary, you deposited a Golden 1 cashiers check via mobile deposit at your financial institution. The check was returned, and you are requesting Golden 1 to reimburse the returned check fees assessed by your bank.

After review of the check image you provided, it has been determined that you were a victim of suspected fraud. Per your conversation with ******* on our Centralized Complaints team, on December 22, 2022, you were informed that Golden 1 is not responsible for any fees associated with the fraudulent check deposited at your institution. You were advised to contact local authorities, as well as your financial institution for further assistance.

If you have any additional questions, you may contact our ***************************** at 1-877-GOLDEN 1. Thank you for bringing your concerns to our attention.
Customer Answer
Date: 12/27/2022
I am rejecting this response because: the Cashier's check is from Golden1 Credit union and it's their responsibility solely because their name is on the check. This check was a forgery and your bank should be held accountable for what happened to me. All of my bills are behind and I can even go on my birthday trip and not to mention my kids Christmas! If this happened to your kid, mother or father you'd want your money back as well !.
Business Response
Date: 12/27/2022
There is no new information. We have responded to your complaint and encourage you to reach out to your Financial Institution and/or law enforcement.
Customer Answer
Date: 12/29/2022
I am rejecting this response because:same as previous
Initial Complaint
Date:11/29/2022
Type:Service or Repair Issues
Status:
ResolvedMore 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.
I was given false information regarding my final loan payment:Locations and addresses given by representatives were to businesses that could not process my payment and or ATM machines. For example, I was given the address 770 Golden *********** as a branch, upon inspection I found this to be a ************* Credit Union Branch *************) I was told I could mail my final payment, which I did, only to be told by another rep later that this was false as well. How am I supposed to make my final payment when i am being sent on wild ***********? Why am I being treated like this? I was sent a late notice to send payment by mail and when i call to confirm the **************** I am told payment can only be made in person. WHERE? Why am I being given false information over and over again. what is going on?
Business Response
Date: 12/08/2022
December 8, 2022

*******************************
115 ******************
*********, ** 94965

Dear *******************************,
We received your complaint filed with Better Business Bureau on November 29, 2022.
In summary, you state you were given misinformation regarding the options available to make your final vehicle
loan payment. Additionally, you received a late notice with instructions to send the payment by mail which
differed from previous instructions to make the payment in person. You are requesting assistance with this
matter.

Our research confirms you were originally provided with correct instructions by the representative who informed
you the final loan payoff cannot be processed through Pay-by-Phone or Online external payment services.
Payoffs can be delivered in person to a branch location or mailed to:

Golden 1 Credit Union
Consumer Loan Servicing
8945 ****************
************** 95826

On October 26, 2022, we received your payment of $221.81; however, the payment could not be processed as
the date was missing from the check. A phone call was made the following day and a voicemail left to inform you
that we were unable to process your payment. On December 2, 2022, a payment for $220.84 was received and
credited to the account. Due to your experience, the payment was applied with an effective date of October 20,
2022, leaving a balance of $0.76 which was covered by Golden 1 as a member accommodation.

Once the final payment is confirmed on December 16, 2022, the Credit Union will release interest in the vehicle
and the title will be transferred electronically to the **** The *** will then begin their processing and the title
sent to the address they have on file for you. In addition, you may also request a paid in full letter after this date
by calling our ***************************** at **************.

Thank you for bringing your concerns to our attention. We apologize for any inconvenience this may have
caused.

Sincerely,

*************************
Manager, Retail Delivery & Experience
Golden 1 Credit Union
Customer Answer
Date: 12/08/2022
I am rejecting this response because: I could have made a ********** payment online and was never given or informed of the option. Are you aware of this option??? Only after I escalated this glaring issue with a customer service representative who informed that my final payment could be made online through the online system, a fact that was never mentioned, your response does not mention this option as well. Why did Golden one Credit Union NOT inform me of this payment option??? I was never contacted by Golden One regarding the check that was mailed in October either by phone, email or conventional mail. What was the date of the phone call and voicemail that was left by Golden one credit union? Where is the check currently?
Business Response
Date: 12/15/2022
December 15, 2022

*******************************
115 ******************
*********, ** 94965

Dear *******************************,

We received your additional complaint filed with Better Business Bureau on December 9, 2022.
In summary, you are inquiring about a call and voicemail you received regarding a check payment submitted
without a date. In addition, you would like to know where the check is today, as well as confirmation that the
Credit Union is aware that a final loan payment can be made via Online Banking.

Our research confirms you were originally provided with correct instructions by the representative who informed
you the final loan payoff cannot be processed through Pay-by-Phone or Online external payment services.
Payoffs can be delivered in person to a branch location or mailed to:

Golden 1 Credit Union
Consumer Loan Servicing
8945 ****************
************** 95826

On October 26, 2022, we received your payment of $221.81; however, the payment could not be processed as
the date was missing from the check. A phone call was made the following day and a voicemail left to inform you
that we were unable to process your payment. This check (#***) was returned to *************************** at **************************************************************** on December 7, 2022.

We reviewed your phone call on December 2, 2022, with our ************** representative who misinformed
you that you can make your final payoff via the Online external payment service. Furthermore, on this call an
updated payoff amount was not given to you, which resulted in the loan not being paid off in its entirety. This
payment for $220.84 was received and credited to the account. The remaining loan balance of $0.76 was
covered by Golden 1 as a member accommodation with an effective date of October 20, 2022.

Once the final payment is confirmed on December 16, 2022, the Credit Union will release interest in the vehicle
and the title will be transferred electronically to the **** The *** will then begin their processing and the title
will be sent to the address they have on file for you. In addition, you may also request a paid in full letter after
this date by calling our Member Service ************** at **************.

Thank you for bringing your concerns to our attention. We apologize for any inconvenience this may have
caused.

Sincerely,

*************************
Manager, Retail Delivery & Experience
Golden 1 Credit Union
Customer Answer
Date: 12/16/2022

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
Initial Complaint
Date:11/23/2022
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.
Ive been calling since 10/27/2022 and was told by agent that I had to come in branch where there was a nursery while customer stood in line.. if I wanted my over draft off which is causing a domino affect and then I emailed the concat person for the ******** branch at kmonaan@golden1 on numerous occasions called agin on 11/2 told the same thing and left messages for this branch person and still no response .. called in yesterday 11/23 and was told now to fill form that needed to be mailed 1st and then couldnt find for under forms as directs called again today and them was told to fill form out on line and that couldnt happen and them was told I would have to. Come in branch as I have anxieties the murder that happen in Sept 2022 .. now Im in branch and told I cant speak to branch manager .. Im so frustrated that the left hand doesnt know what the left hand is going her
Business Response
Date: 12/06/2022
December 6, 2022

***********************
60 ************
****, ** 95242-8329
Dear ***********************,
We received your complaint filed with the Better Business Bureau on November 23, 2022.

In summary, you state you have experienced difficulties with unenrollment from Golden 1 Credit Unions Courtesy
Pay program. In addition, youve been given various explanations on how this can be done and request assistance
with this matter.

Thank you for bringing your concerns to our attention. Our records indicate you first contacted the Credit Union by
phone regarding this matter on November 22, 2022. The assisting representative advised that a signed Courtesy
Pay Opt-Out form was required, which could be dropped off at a local branch or sent by mail to remove the service
from your account. On November 23, 2022, you called and expressed your frustrations with the ******** branch,
claiming you were unable to get assistance from the branch manager. The representative was able to schedule an
appointment at our ******** Morada location on Friday November 25, 2022, at 10:40 a.m.; however, you were
unable to attend. Review of the account shows Courtesy Pay is active as of the date of this response.

To be removed from the program we must receive a completed Courtesy Pay Opt-Out form, which has been
mailed to the address on file. In addition, you may print the form directly from our website at
www.golden1.com/checking-savings/courtesy-pay-opt-out. Once the form is complete, you may return it at your
local branch, or mail it to the following address:

Golden 1 Credit Union
P.O Box 15966
************** 95822-0966

If you have any additional questions regarding your account, you may contact our *****************************
at **************.

Sincerely,

*************************
Manager, Retail Delivery & Experience
Golden 1 Credit Union
Initial Complaint
Date:11/11/2022
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.
My mom died in July. She had a traditional *** to be split with my three siblings. In order to receive my benefit I was told I needed to open a "Shell" account and was asked all kinds of personal questions about my financial status to do this. I have now have two of these accounts. The documentation on these accounts indicate I will be charged a large service fee. I have yet to receive the funds.
Business Response
Date: 11/22/2022
November 21, 2022

*******************************
*************************************
*****, ** *****

Dear *******************************,

We received your complaint filed with the Better Business Bureau on November 11, 2022.

In summary, your mother passed away in July 2022 and her Golden 1 Credit Union *** was to be split and distributed to the named beneficiaries.You were instructed to open an account to receive your funds; however, as of the date of your complaint, the funds have not been received. You are requesting assistance in this matter.

Thank you for bringing your concerns to our attention. We are sorry for your loss. We attempted to contact you at the phone number provided in your complaint but have been unable to reach you. To better assist, the Credit Union will need additional information to locate and research the account. To proceed, please contact *******, one of our Complaint Specialists, directly at ***********************.

Sincerely,

*************************
Manager, Retail Delivery & Experience
Golden 1 Credit Union
Initial Complaint
Date:11/06/2022
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.
I don't really remember the date but I know it was last year about the beginning of the year and I was trying to receive a loan through an some on line company.and contacted the bank Golden ******** and employee got on the phone I told wat I was trying to do get a loan I didn't no I guess the people on line were not legitimate thats why I called my bank to help me out or let me know that your not getting a loan cause of but no she didn't say she ur trying fruad close my account and put me down in systems under fraud which inconvenience my life I can not make it with a bank account so I lost a lot of money cause I didn't have made real hard for me to live my life so I can't get a bank account and to pay 500 back that I never received. Now on my credit report it issue with Golden ******** is resolved no money owed and my name is steal in the systems and I can't get a bank account
Business Response
Date: 11/15/2022
November 15, 2022

*******************************
************************************************************ style="mso-special-character:line-break">

Dear *******************************,

We received your complaint filed with the Better Business Bureau on November 7, 2022.

In summary, you state a loan you obtained outside of Golden 1 Credit Union was later determined to be a scam. Because of this, your Golden 1 account was reported to ChexSystems as resolved; however, this has limited your ability to open accounts at other financial institutions. You are requesting the negative information be corrected.

Our records indicate you opened a Golden 1 checking and savings account on July 30, 2018. On August 9, 2018, two mobile deposits in the amounts of $505 and $997 were made. Both checks were returned on August 13, 2018, as altered/fictitious and a letter was mailed to you on August 16, 2018, indicating the accounts would be closed on September 30, 2018.

As of November 11, 2022, a balance of $22.98 is owed due to returned check fees assessed to the account. Golden 1 Credit Union does not remove members records from ChexSystems after their accounts are closed and reported. We do update the record status when the funds owed are paid, and the record remains in ChexSystems for 5 years.

If you have any additional questions regarding your account, you may contact our ********************** at
**************.

Sincerely,

*************************
Manager, Retail Delivery & Experience
Golden 1 Credit Union
Initial Complaint
Date:10/31/2022
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.
I have a car load with Golden 1 credit Union There shouldnt be any negative reporting in my credit at all I have send them multiple letters by registered mail to fix this issue And they still can Not fix anything all of this is stressing me out because its affecting my credit big time .
Business Response
Date: 11/09/2022
November 9, 2022

********************************************
3586 ****************
*******,** 90262

Dear ********************************************,

We received your complaint filed with the Better Business Bureau (BBB) on November 1, 2022.

In summary, you claim Golden 1 Credit Union is reporting inaccurate information to the Credit ****************** (CRAs) regarding your vehicle loan. You state you have sent multiple letters requesting to resolve the issue; however, as of the date of your complaint, nothing has been done. You are requesting the negative information be removed from your credit report.

Our research confirmed on April 20, 2022, you filed Chapter 7 Bankruptcy, which was discharged on July 25, 2022. This is reporting accurately with the CRAs and may impact your credit score. Please note, the Credit Union does not have the ability to view or update your credit score.

On October 12, 2022, our ********************** conducted an in-depth review of the account information and payment history per your request. A letter was sent to you the same day, confirming Golden 1 is not reporting any late payments to the CRAs. Upon receipt of your complaint file with the BBB, a second review was completed confirming our previous findings that the information reported is complete and accurate.

Thank you for bringing your concerns to our attention.

Sincerely,

*************************
Manager,Retail Delivery & Experience
Golden 1 Credit Union
Customer Answer
Date: 11/09/2022
I am rejecting this response because: here are some paperwork that Golden 1
is still reporting negative marks to my credit report and the same paperwork was sent to Golden 1 by mail as well and they have not fix anything yet mistakes like this are affecting my credit big time.

Business Response
Date: 11/18/2022
November 17, 2022

********************************************
3586 ****************
*******,** 90262

Dear ********************************************,

We received your rebuttal complaint filed with the Better Business Bureau (BBB) on November 10, 2022.

In summary, you claim Golden 1 Credit Union is reporting inaccurate information to the Credit ****************** (CRAs) regarding your vehicle loan. You state you also provided additional supporting documentation for us to review. You are requesting the negative information be removed from your credit report.

Our research confirmed on April 22, 2022, Golden 1 was notified you filed Chapter 7 Bankruptcy, which was subsequently discharged on July 25, 2022. This is reporting accurately with the CRAs and may impact your credit score. Please note, the Credit Union does not have the ability to view or update your credit score.

On October 12, 2022, our ********************** conducted an in-depth review of the account information and payment history per your request. A letter was sent to you the same day, confirming Golden 1 is not reporting any late payments to the CRAs. Upon receipt of your complaint filed with the BBB, a second review was completed confirming our previous findings that the information being reported is complete and accurate.
Since receiving an additional complaint from the BBB on November 12, 2022, our ********************** conducted an additional review of your account along with the documentation you provided from Experian. The result of this review is aligned with our previous correspondence, the information on your credit report is still complete and accurate.

Thank you for bringing your concerns to our attention.

Sincerely,

*************************
Manager,Retail Delivery & Experience
Golden 1 Credit Union
Customer Answer
Date: 11/20/2022
I am rejecting this response because: you continue reporting negative marks to my credit report
and I have submitted evidence as well to you I did file for bankruptcy
but the account with Golden 1 is protected in the bankruptcy there should not
be any negative marks reporting at all I have been in talk with some experts in law as well
and if this is not fix I do not have another choice than to hire them to deal with you Golden 1 because you are not doing anything to fix this problem at all and this mistake is affecting me big time.

Business Response
Date: 11/29/2022
November 29, 2022

********************************************
3586 ****************
*******, ** 90262

Dear ********************************************,

We received your rebuttal filed with the Better Business Bureau (BBB) on November 21, 2022.
In summary, you claim Golden 1 Credit Union continues to report inaccurate information to the Credit Reporting
Agencies (CRAs) regarding your vehicle loan. You also provided additional supporting documentation for us to
review. You are requesting the negative information be removed from your credit report.

As stated in our last response dated November 17, 2022, our research confirmed on April 22, 2022, Golden 1
was notified you filed Chapter 7 Bankruptcy, which was subsequently discharged on July 25, 2022. This is
reporting accurately with the CRAs and may impact your credit score. Please note, the Credit Union does not
have the ability to view or update your credit score.

Upon receipt of each of your BBB complaints, our ********************** has conducted thorough reviews of
your account along with the documentation you provided from Experian. The result of this review is aligned with
our previous correspondences, the information on your credit report is still complete and accurate. Golden 1
Credit Union has no control over what the CRAs are reporting on their end, and we highly recommend
submitting a dispute directly with the agencies that you believe have inaccurate information. You may call
Experian to get additional information at ************ or visit the link below to submit a dispute.

https://www.experian.com/disputes/main.html

Thank you for bringing your concerns to our attention.
Initial Complaint
Date:10/24/2022
Type:Service or Repair Issues
Status:
ResolvedMore 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.
Death in family. Received money. Called Golden 1 on Wednesday 10/19/22 was advised best option was to open a certificate account 35 mth at 3%. Was not advised of penalty for early withdraw. Was not sent disclosures until the weekend. Immediately called golden 1 to cancel or transfer to their 27 mth cert now available. Advised of $1900 fee. Tried to transfer to the new cert option of 27 mths at ****% which came available the day after I opened mine. Escalated to supervisor on 10/23/22 and 10/24/22. Will not waive the penalty to even transfer to their new program that came available 10/20/22. I've been a great customer since the 80's with **********************. They even pulled the call and they did not disclose the penalty would be so much as I had googled that they penalty would be 90 days dividends and have NO dividends at this point. They said I had the same day only to change my mind. A 10K car purchase has a longer cooling off period than this 65K transaction.
Business Response
Date: 11/02/2022
Please see attached.
Customer Answer
Date: 11/02/2022

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.
Initial Complaint
Date:10/21/2022
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 May/June of ************************************************************************************* with. The stop payment was never effective. Months had gone by and I kept getting reassurance from the bank telling me they could fix the problem. During those months different specialist had me try different things from my side. In August/ September 2022, one person suggested filing a claim. This claim that I filed based on what one of the employees told me to do has been used as a tool for them to ignore the fact that the stop payment that eas originally setup in May/June. They keep stating that due to the claim that was filed there is nothing they can do. I spoke to ****** (worst attitude and customer service I have experienced); who was angry and purposely avoiding the original stop payment. He kept switching his statement how the stop payment was effective but they are not 100% effective. To which I responded that someone could have told me in May/June of 2022 that this wasn't going to work and I would have left the bank. Which he got really upset about. Due to this I begin receiving other courtesy chrages to my account as punitive for my complaints. Which overdrafted my account costing me more money. The original stop payment in May/June 2022 was/is the problem. If that was successful none of these other actions would be necessary.
Business Response
Date: 11/02/2022
Please see attached.

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.

Cookies on BBB.org

Complaints

Customer Complaints Summary

If you've experienced an issue

Filter and sort by

Sort by

Complaint status

Complaint type

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Complaint statuses

Business Response

Customer Answer

Business Response

Customer Answer

Business Response

Complaint statuses

Business Response

Customer Answer

Complaint statuses

Business Response

Golden 1 Credit Union is NOT a BBB Accredited Business.