Complaints

This profile includes complaints for Schools First Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Schools First Federal Credit Union

  15442 Newport Ave Tustin, CA 92780-6473

• 

  SchoolsFirst Federal Credit Union

  9125 Imperial Hwy #A Downey, CA 90242

• 

  Schools First Federal Credit Union

  6501 E Spring St Long Beach, CA 90808

• 

  Schools First Federal Credit Union

  4204 Riverwalk Pkwy Riverside, CA 92505

• 

  Schools Financial Credit Union

  8255 Laguna Blvd Elk Grove, CA 95758-7962

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:07/05/2024

  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.

  To Whom It May ******* at the Securities and ******************* (SEC),I am writing to report potential securities fraud involving HEAVEN ************ and request an investigation into these discrepancies.**Background:**Upon reviewing HEAVEN **************** credit reports from Equifax, Experian, and TransUnion, significant discrepancies were identified:- **Equifax:** Account charged off over ten times with no further details.- **Experian:** Over ten charge-offs ending in May 2024 with inconsistent reporting.- **TransUnion:** No information on the charged-off account.No Form ****** was received, indicating the debt was not canceled or forgiven. These discrepancies suggest inaccurate reporting.**Legal Implications:**The inaccuracies in HEAVEN **************** credit reports may constitute securities fraud under:- **Material Misstatement or Omission**- **Failure to File Accurate Information**- **Market Manipulation****Request for Remediation:**I request the SEC to investigate thoroughly and seek appropriate remediation, including financial compensation of $5,000 to HEAVEN ************ if inaccuracies are confirmed and correction of the credit report.**Attached Documentation:**Enclosed are copies of the credit reports highlighting the inconsistencies.Thank you for your prompt attention to this matter. I look forward to your investigation and a resolution ensuring accurate and fair financial reporting.Sincerely,Heaven ************ ************** July 5, 2024

  Business Response

  Date: 07/17/2024

  ************** opened an auto loan on June 29, 2020. ************** made 27 loan payments, from her checking. ************** was in continuous communication with SchoolsFirst. Documentation shows she was provided with several payment arrangements that she was not able to keep. ************** payments fell behind, resulting in several delinquencies. On Oct 7, 2022, documentation shows the auto loan was 177 days past due.She was told via phone call that her loan was at risk of being charged off. The auto loan was charged off, Oct 25, 2022, in the amount of $12,134.75.Charging off a debt is not one of the events that requires issuance of a 1099-C Form.  A 1099-C Cancellation of Debt form is issued when a debt is deemed forgiven,which SchoolsFirst FCU has not.
  
  On May 12, 2023,************** called SchoolsFirst that the vehicle was having mechanical issues and was looking to sell it and requested a payoff quote. During the call, she was looking for ways to get the vehicle paid off. ************** never followed up and no payment was received. That was the last contact SchoolsFirst had with **************. SchoolsFirst received a lien sale notification that the vehicle was abandoned at a Kia ************** impound was dated July 25, 2023. It was not cost effective for SchoolsFirst to recover the vehicle. A charged off unpaid balance remains on the loan and will continue to report charged off as that is the status on the loan. ************** states potential securities fraud is a result of the inaccuracies on her credit report. Securities fraud involves the deception of investors or the manipulation of financial markets. This is not relevant to SchoolsFirst FCU. The charged off loan does not meet the requirements to receive a 1099-C Form.  The loan will continue to report charged off to the credit bureaus.  We will not be making any changes to our credit reporting. *************************, Manager,Credit Bureau Reporting

• Initial Complaint

  Date:06/10/2024

  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 would like this to be address to the corporate office of CEO ******************************************************** I have an account with ********************** ****** was informed I would be able to make arrangements on another account I was a joint applicant on. I call today to see if the arrangements were on the account for 7/5/24 for my personal account to be informed that they would be closing out my personal account due to the charge off from another account I was joint applicant. I was informed this would not effect my personal account & I would be able to keep my personal account to be told different today. I went into the branch & was there for quite sometime & was informed this would not happen & they would work with me to keep my account & get this matter resolved. I've been with SchoolsFirst CU for a long *********** gotten the run around & given inconsistency of this situation. I want my personal account to remain open & give me what I was promised instead of being mis informed by what the bank told me they would do. I need someone from the corporate office to contact me since I'm getting no where with the representatives on the phone. This is false advertising & broken promises from the Credit ************************** want this rectified.

  Business Response

  Date: 06/17/2024

  We began our investigation upon receiving his complaint and reviewed the Membership, all internal notes and records, as well as the loan security agreement.  Based on our investigation, we verified the following: ****************** called the Credit Union on May 13, 2024, to inquire about the vehicle loan.  During this conversation, a SchoolsFirst teammember explained to ****************** that the vehicle was currently assigned for repossession due to not having payment arrangements on file.  We explained that we could offer arrangements to avoid further recovery efforts.  ****************** said she will call back at a later time once she can commit to arrangements. ****************** called back on June 10, 2024. During this conversation, a SchoolsFirst teammember explained that services would be restricted due to the loss on file regarding the vehicle loan.
  

  ****************** explained to the teammember that she was promised that restrictions would not occur as long has she had arrangements on file.  She stated that she would need more time to make payments towards the loan. ****************** shared that she visited a branch and was not told about any restrictions.  She requested a call back from management before the end of the day. 
  

  ***************** agreed to a repayment plan beginning on July 5, 2024, and during the call we were able to address all the Members concerns. Management followed up with ****************** on June 12, 2024, to ensure she had no other questions, and our Member confirmed she had the information she needed and thanked us for following up.
  If ****************** has additional questions, she may contact our offices and speak to me directly.
  
  
  Sincerely,
  
  *********************************
  Collections Manager
  *********************

• Initial Complaint

  Date:05/24/2024

  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 bought a car thru Carvana in Mar 2024 and was approved for an auto loan by SchoolsFirst FCU. I spoke to *** (manager in loan servicing ***** on 5/22/24 and was told that SchoolsFirst FCU has not yet sent the check to Carvana, even though I have been making payments and interest is accruing on the loan. I have also had the car for about 3 months and SchoolsFirst FCU has now put me in a stressful situation, where ******* may request the car back. I had successfully signed all documents with ******* and received the Utah registration, so the fact that SchoolsFirst FCU has not yet sent the check to Carvana came as a surprise. I also confirmed with *** on 5/23/24 at *************************************** that the title is still pending and he also confirmed that SchoolsFirst FCU is listed as the lienholder; *** stated that the out of state titles take 30 days to process and should be finalized around 5/27/24. I contacted Carvana on 5/23/24 and they do not understand why SchoolsFirst FCU has not yet sent the check, and ******* advised me to contact SchoolsFirst FCU. *** at SchoolsFirst FCU was kind enough to ***** a 30 day extension to receive the title. I did also speak to a **** at SchoolsFirst FCU DMV department on 5/22/24; after explaining the situation and telling him the delay in title is out of my control, he was rude and told me that I am "contradicting myself."

  Business Response

  Date: 06/03/2024

  We are in receipt of a complaint filed with the BBB by ***********************. In the complaint, ******************** states that he bought a car thru Carvana in Mar 2024 and was approved for an auto loan by SchoolsFirst FCU.  He was told that SchoolsFirst FCU has not yet sent the check to Carvana, even though he has been making payments and interest is accruing on the loan. He has had the car for about 3 months and SchoolsFirst FCU has put him in a stressful situation, where ******* may request the car back. In his complaint, ******************** further states that he confirmed with *************************************** on 5/23/2024 that the title to his vehicle is still pending but they expected the process to be finalized around 5/27/2024.  His desired resolution is to be contacted by the credit union and for us to finish the job.
  
  In review of this complaint, we found that ******************** funded his auto loan with SFFCU on 3/11/2024.  The vehicle purchase was made through Carvana which is considered a Non-Franchise dealer and thus is subject to our draft process.  To release payment to Carvana, we require title reflecting ******************** as the registered owner and SFFCU as the lienholder.  To date, we have not received a title or confirmation of title issuance from the state of Utah.  As such, payment has not been released as of today.  ******************** has been in contact with us and has spoken with several teammembers at the credit union.  We appreciate his proactive communication and have given him a 30-day extension to receive the title.   
  
  If ******************** has further questions, please contact *********************, assistant manager consumer loan operations, at *********************.
  
  
  Sincerely,
  
  ***********************************
  Vice ********** ******** Loan Servicing
  
  

  Customer Answer

  Date: 06/03/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  ***********************
  
   
  

• Initial Complaint

  Date:04/16/2024

  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.

  SCHOOLS FIRST FEDERAL CREDIT UNION (SANTA ***)...VIOLATED "FAIR BUSINESS PRACTICE ACT"...levy minor 13yrs old kids saving account of my (2 twins daughters) children....i demand remove minor kids from all legal action of concerns and re-activate kids saving account ASAP...and return funds taken from kids saving account...note: formal affidavit complaint filed 4/15/2024 with "FDIC; CASE# ******** and "FTC"; CASE# ********

  Business Response

  Date: 04/24/2024

  We are in receipt of a complaint filed with the BBB by ******************************* regarding the incoming **** received on 03/25/2024. This resulted in funds being placed on hold for all accounts where she is an owner in accordance with California Code, Code of Civil Procedure CCP *******, et al.
  
  
  On 04/08, levies were paid out for $6.61 from Ms. ******* individual account. **************** is a joint owner on her two childrens accounts where we are still holding a combined total of $14.57.Since the joint accounts require third party notification prior to funds disbursement, this will remain in effect until we receive further communication from Orange County Sheriffs Department.
  On 04/10, **************** contacted the credit union and was informed when a levy is served the credit union is required to move forward with a levy placement for all accounts that a debtor is named on.
  In accordance with California Code, Code of Civil Procedure we are required to move forward when we are presented with a levy order which includes a third-party account. If **************** needs further assistance, she may reach me at ************************
  
  
  Sincerely,
  *******************
  Manager, ******************************

• Initial Complaint

  Date:04/11/2024

  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 receive a notice early 02/2024 that I needed to use my credit card or it would be cancelled for being dormant. I used my card mid February on car parts. They still closed my account end of February. I called them today and was told there was nothing they could do to reopen, I would need to reapply. This impacted my credit negatively and they still want me to repay the $164.74. Since they screwed me, I want them to waive the amount owed.

  Business Response

  Date: 04/19/2024

  Ms. ***** account was dormant and was in danger of being escheated to the State of California in compliance with regulation. As a result, Credit Card correspondence dated January 31, 2024, was sent to our Members requesting contact with SchoolsFirst FCU. Unfortunately, our Member believed performing a transaction on the card would keep the card open. However,by not contacting us regarding the account status resulted in credit card closure.
  

  We contacted our Members by phone on April 17, 2024, to resolve this concern. We were able to clear the dormancy status on their Membership and re-open the credit card. Our Member has agreed to repay all amounts due per with their agreement with us.
  

  If there are any questions, please call our consumer loan service center at ************, during weekdays between 7 am to 7 pm, or Saturday, between 9 am to 3 pm.
  ********************************* Manager, Credit Card Services

• Initial Complaint

  Date:03/05/2024

  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.

  Within one hour, and in spite of my timely payments for over a year on my accounts at Schoolsfirst as well as my timely payment history, we were turned down for a small loan. We may have considered paying the higher percentage rate, yet still within 1 hour, the decision was rather hastily made in my opinion Their website claims to help with financial needs and they have helped us in the past. My daughter and I have been members since 2011, and have many accounts with them. We did not even have a counter offer from them. And because my payments are always timely, SF invited me to skip a payment as a good faith offer. Now, as we spoke to 3 representatives, we told them we are currently experiencing some financial difficulty.. It has been our experience that Schoolsfirst has worked along with us in the past. This time they seemed unwilling to not even give us a counter offer, just a cold form letter Email with 2 blank bullets. one, not being accurate out of 4 bullets. They could not come up with 2 more reasons for a denial. It is a reality that Covid-19 has had a very bad effect on us, having both of our teaching jobs cut because of school closures, I am now a retired school teacher and in need of help. They say they "made every effort" but did not explain what they were. It didn't seem to matter that we have been good long term customers since 2011. I have an excellent payment history, which seems to not have been considered.

  Business Response

  Date: 03/08/2024

  In response to the filed complaint,we took immediate and proactive measures by reaching out to ********************** to address and resolve her concerns regarding the loan decision. Employing a comprehensive approach, we engaged in a thorough examination, delving into the specifics of her request and meticulously considering the intended purpose of the loan. As a result of this diligent process, we approved the requested amount for **********************, ensuring that her financial needs are met.
  SchoolsFirst FCU abides by all fair lending laws and regulations. If you have any further questions or would like any additional information, please feel free to email me at ************************************* or please contact me at ************************. 

   

  Sincerely,

  *******************************

  Manager, Consumer Loan Underwriting

• Initial Complaint

  Date:01/27/2024

  Type:Order 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.

  Im not liable for this debt with emergency of ce . I dont have a contract with the collection agency i did not sign any paper work they did not provide me with original contract ad I requested

  Business Response

  Date: 01/29/2024

  We have reviewed the complaint submitted by ****************************  We do not have a record of an account or loan for ************** in our database.  It looks as though this complaint references a collection agency "CE Emergency" and may have been sent to SchoolsFirst Federal Credit Union in error.

  Sincerely,

  *********************

  Vice ********** ****** ******* Experience

• Initial Complaint

  Date:01/23/2024

  Type:Product 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.

  On 01/23/**** I have now spoken to two representatives from SchoolsFirst about a current ongoing dispute. This dispute was from last year in October of 2023, and I have not heard any more news, and I assumed all was well with the documentation that I had submitted. I recieved a letter asking for further documentation on January 16th, and I have been attempting to be helpful by providing even more to them, despite the lack of communication.As of January ****, the first representative attempted to be initally be helpful, and was taking my information, so they could submit it to Mastercard who would then dispute with the merchant and get back to me with the results. However, I was in an area with poor cell reception and had to place another call back.I believe her name was ***** for the second representative for my callback with the department. ***** decided that they would not submit my dispute despite the charge already being in dispute because it was not a disputable charge and she was condescending despite me trying to explain to her the situation and the policy. She refused to submit the dispute because she deemed it indisputable. She was exceptionally rude and spoke down to me, and completely overlooked what I was attempting to explain to her.I asked to speak to a supervisor and she would not transfer me to one, instead she said I will get a call back, and I am not hopeful.I thought SchoolsFirst was supposed to protect their clients and now I have been treated like this is both a joke and a scam, despite sending video and photo evidence of me being due for receiving a refund from the merchant, and sections in the merchant's policy that are vague and misleading to the consumer. I do not believe my bank should be deciding after month's of no contact that they are the ones who do not believe I have a dispute case. The evidence has been submitted and I have been attempting to work with them.

  Business Response

  Date: 01/29/2024

  On Oct. 18, 2023, ******************* requested to initiate a Debit Card dispute. On this day we filed a Debit Card dispute for the transaction requested, $198.00 to ****** Airlines. A letter advising ******************* that a claim was filed was sent on this same day to the mailing address on file.
  
  On Jan. 16, ****, we reviewed Mrs. ******** dispute per the guidelines set forth in ***************** to the lack of necessary information, we requested additional documentation to support the dispute. A letter with outlining the information needed was sent to our Members address on file. On Jan. 23, ****, ******************* contacted SchoolsFirst to discuss the request for additional information. As ******************* mentions in her complaint, there was a conversation with one of our teammembers that resulted in poor cell service and the call being disconnected. ******************* called back later that day and spoke again with our Dispute & Fraud Claims team. Upon reviewing the information and documentation that our Member provided, it was determined that we do not have the proper recovery rights due to the terms of conditions of the purchase agreement with ****** Airlines. It was identified that this purchase was for a flight, and that the tickets were used by boarding this flight.******************* stated that she should have not been charged for these flights due to missing a previous return flight. Our teammember advised ****************** that due to these reasons we did not have the ability move forward and could not continue with this dispute. During this conversation, ******************* became upset and asked to speak with Management. Our management placed a follow-up phone call the next day, Jan. 24, ****. At this time there was no answer, and a voicemail was left to assist further. On this same day we sent a letter to *******************, at the address on file that included the decision and reason.  
  
  Sincerely,
  *****************
  Manager, Dispute & Fraud Claims

  Customer Answer

  Date: 01/30/2024

  Kyla,

  You have been incorrectly informed on what the $198 charge is for. That charge is not for tickets, but rather a fee for the flight being changed on ****** airlines behalf.

  My concern is with you and the SchoolsFirst representatives being unable to understand what I am contesting in terms of the charges. I am not contesting the entire flight or the charges there. I am not even contesting any flight tickets, as you claim. This is again for a charge to change the ticket. 

  You quote say, that I said I should not have been charged for the flights. I will again explain to you, this is not a flight ticket I am contesting, it is a charge to change the flight. The representative from ****** said I should not have been charged this, and I have explained this to multiple team members now. 

  The second is the lack of response in terms of your disrespectful representative and anyone would not appreciate how your representative spoke down to them, so an apology is expected on the company's behalf as well. When a representative would rather argue and not listen to any of the details you are providing them, then it is better to speak to someone who can rationally handle a situation. 

  You also blatantly made a false claim in regard to a follow-up call and voicemail. Neither of those were received on my end and I have screenshotted my call log to prove this. 

  I would like to speak with a team member within the next couple of days, as this is completely unacceptable on your part and the company's part to not have the decency to call me. 

  Business Response

  Date: 02/08/2024

  In Mrs. ******** rebuttal, she states that she the transaction for $198.00 to ****** Airlines is not a flight purchase fee but rather a fee for rebooking a flight. Upon further review, our Dispute & *********************** manager did reach out to ******************* to further discuss her experience and the transaction in question.
  
  During this conversation, we had the opportunity to review the documents together and discuss what transpired during our Members flight. Along with our review, we were able to further clarify the flight itinerary that we had received and better explain the dispute process. As of January 31, ****, we have moved forward with the formal dispute process and have advised ******************* of all scenarios. In speaking with *******************, she was aware of the different outcomes and was very appreciative of the help.
  
  Along with our review of the dispute,we also did discuss the interaction that our Member had with our teammember. I have advised ******************* that I did have the opportunity to listen to call,and while the information provided was accurate, I could understand that the situation was stressful and offered my apology to ******************* if she felt that our level of service was not acceptable. Again, ******************* was thankful for the follow-up call with no further call back needed.
  
  We understand the frustration that these situations can cause and strive to provide world class service and communication to our Membership throughout this process. We look forward to being able to assist ******************* with any concerns in the future.
  
  
  Sincerely,
  
  
  
  *****************
  Manager, Dispute & Fraud Claims

  Customer Answer

  Date: 02/14/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *********************************
  
   
  

• Initial Complaint

  Date:12/25/2023

  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.

  Schools First Credit Union has two balances in my account. An Available Balance and a Current Balance. The current balance is over $60,000 as funds that were deposited in June 2023 still have not been made into my Available Balance. There is no reason to continue to wait the money as it's all cleared and should now be made available to me for access to use.Please help me get my balance with this bank corrected as I do not have access to all of my checking account funds like I should.

  Business Response

  Date: 01/03/2024

  Our records indicate that in July 2023, ************** deposited 43 checks ranging from $191.51 to $2,683.98, totaling $47,241.67. Each check was drawn from the same financial institution showing the maker of Disposable Contact Lens Settlement Administrator.
  
  In reviewing the items, two of the 47 checks were payable to *********************, 28 had various spellings of his name, and the remaining 17 to entirely different people.
  
  On July 12, 2023, we contacted ************** and informed him that the Disposable Contact Lens Settlement Administrator would research the matter, to which ************** agreed to wait for the resolution. Because there has been no action from the Disposable Contact Lens Settlement Administrator, we have made funds available to ************** on January 3, 2024.
  
  I can be reached at ************ for further assistance and questions.
  
  
  Sincerely,
  
  *********************
  Manager, Fraud Management 

• Initial Complaint

  Date:12/05/2023

  Type:Order 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.

  im not liable with this debt school first credit union. i do not have a contract with this agency. school first credit union. they did not provide me with original contract upon requested

  Business Response

  Date: 12/13/2023

  We are in receipt of the complaint filed with the BBB by ***************************. In the complaint, *************** states she is not liable for the debt with SchoolsFirst FCU as she states she does not have a contract with SchoolsFirst FCU.  **************** states we did not provide her with the original contract upon request. As a result, **************** is asking to have the tradeline removed from her credit report.
  
  After reviewing ***************** complaint, SchoolsFirst FCU is unable to investigate the claim for inaccurate credit reporting, due to missing information as outlined in the Fair Credit Reporting Act. We are unable to determine which tradeline(s) **************** is disputing and the basis of her dispute. We ask that **************** provide the following information in order for us to complete an investigation:
  
  Name of the account holder
  Account number and loan ID(s) being disputed
  The specific credit reporting that is being disputed (i.e. June 2020 30 day late)
  An explanation of the basis of his dispute.
  
  With the above details, **************** may file a credit dispute through the credit reporting agencies directly or mail her dispute to the Credit Union to the address below:
  
  SchoolsFirst FCU
  Attn: Credit Disputes
  PO Box 11547
  *********, ** 92711
  
  SchoolsFirst FCU understands the importance of accurate credit reporting and abides by all fair credit reporting laws and regulations. If **************** has any further questions,she can contact one of our Credit Dispute Representatives at ******************.
  
  
  Sincerely,
  
  *************************
  Manager, Credit Bureau Reporting