Complaintsfor121 Financial Credit Union

• Initial Complaint

  05/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  121 Financial Credit Union 701 RIVERSIDE PARK PL JACKSONVILLE, FL 3220* Account #: ********** Verification is #* in debt validation law. Verification is a sworn statement/ affidavit of truth. I have also provided you with Black Law definition of verification below as you are partaking in willful non compliance ** ****** ***** - Civil liability for willful noncompliance. I demand proof of delivery letter within 1* days of reporting account. I request certified mail tracking number. If you cant provide the requested information then I demand that you delete this tradeline asap and cease and desist all collection activity including reporting the account. I will take reasonable steps to get justice for the pain you caused me. In pleading. A certain formula with which all pleadings containing new affirmative matter must conclude, being in itself an averment that the party pleading is ready to establish the truth of what he has set forth. In practice. The examination of a writing for the purpose of ascertaining its truth; or a certificate or affidavit that it is true. “Verification-’ is not identical with “authentication.” A notary may verify a mortgagee’s written statement of the actual amount of his claim, but need not authenticate the act by his seal. Ashley v. Wright, 19 Ohio St. 291. Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See McDonald v. Rosengarten, 13* 111. 126, 25 N. E. *29; Summerfield v. Phoenix Assur. Co. (C. C-) 65 Fed. 296; Patterson v. Brooklyn, 6 App. Div. 127, *0 N. Y. Supp. 581. I'm requesting an Accommodation under the Cares Act. Please update the late payment associated with the following account below to "Paid as Agreed" on my credit report, so I can get qualify for a mortgage with a low-interest rate & continue building my relationship with 121 Financial Credit Union.

  Business response

  06/02/2023

   

  Please find the attached letter in regards to compliant ID # # ******** (*********** ******) received on May 30, 2023. Should you need anything further, please don’t hesitate to reach out.

   

   

  Warmly,

  *******

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

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

• Initial Complaint

  12/05/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  121 Financial Credit Union is threatening me and has caused tremendous emotional damage and put me in a state of emotional distress. There are also guilty of defamation of character for claims of “False, Defamatory Reporting, and Harrasment”. In a letter dated November 22, I received a cease and desist letter threatening me against filing any future complaints to the CFPB or BBB. 121 Financial Credit is also guilty of inducement of fraud, they have of marked several of my disputes as “duplicate” and not fulfilled their responsibility to do research into my disputes. These disputes were reviews by a supervisor of the BBB “***** ****” and confirmed that these disputes were not actually duplicates but new disputes in which I provided new information or disputing something completely different from the last dispute - 121 has provided false information to the CFPB by marking these complaints as duplicate which is federally illegal. Last year 121 Financial also denied a claim on the basis of the fraudulent activity I disputed was consistent with my spending behavior. This is false because the card was used in a state that I have never been, and have never shopped or used my debit card. Also they violated a federal law commission to referred to as Regulation E - § 1005.6 Liability of consumer for unauthorized transfers; which states “…(b) Limitations on amount of liability. A consumer's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows: (1) Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $50 or the amount of unauthorized transfers that occur before notice to the financial institution...” Since 121 Financial was notified on the same day that I learned of the loss or theft, I cannot be held liable according to federal law.

  Business response

  12/13/2022

  see attached

  Customer response

  12/19/2022

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

   Complaint: ********

  I am rejecting this response because: 121 Financial has sent another letter from an attorney in order to bully and harass me for using my right file a complaint/dispute against them. They are now attempting to influence the BBB to delete/remove my disputes and complaints to further silence me and violate my rights. They have now requested that the BBB ignore any of my future disputes which is not legal. Send me the results of the dispute in question.

  Regards,

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

  Business response

  01/03/2023

  see attached

• Initial Complaint

  11/04/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I went into a 121 financial credit union to dispute some charges on my account immediately after noticing them (on the same day I first noticed). The branch manager told me I needed to have a cell phone to call customer service to report the charges myself because she was very busy.———— I explained to her my phone was off so I came to notify my financial institution in person (according to the EFTA Regualtion E § 1005.6 Liability of consumer for unauthorized transfers. (5) (ii) The consumer may notify the institution in person, by telephone, or in writing.)—After calling at a later date my claim was denied, for reasons not allowed by the EFTA Regualtion E § 1005.6 Liability of consumer for unauthorized transfers.——((b) Limitations on amount of liability. A consumer's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows: (1) Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $50 or the amount of unauthorized transfers that occur before notice to the financial institution. (2) Timely notice not given. If the consumer fails to notify the financial institution within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $500 or the sum of: (i) $50 or the amount of unauthorized transfers that occur within the two business days, whichever is less; and (ii) The amount of unauthorized transfers that occur after the close of two business days and before notice to the institution, provided the institution establishes that these transfers would not have occurred had the consumer notified the institution within that two-day period.)— Within two days of me noticing the fraudulent transactions, not two days from the occurrence of them.

• Initial Complaint

  08/11/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been attempting to add an authorized user to my 121 credit card since the beginning of July. You’re advised that you can fill out a simple form and then add the authorized user. Well I didn’t have my card number and I was told that they could fill that in. Turns out they can’t which I found out two weeks later when I called on my way home wondering where the card was.. so I had to take the number down while I was driving just so I could submit the form after I found out two weeks later the form wasn’t submitted. I work during their open hours so it says you can use the chat feature on online banking to communicate with them.. yikes forget that! No one even responds to the important messages they pick and choose which ones to respond to. I asked for multiple updates, nothing. Then I called and was told it would be expedited.. now today I found out that’s not possible because I have a P.O. Box.. I was also told my card was ordered 7am 7/27 and now today I’m told it’s 7/30 when it was ordered.. I was quoted it would be here Monday 8/8 and now they are quoting me Tuesday 8/16. I explained multiple times how time sensitive getting this card was. Frustrated doesn’t even begin to explain how I feel. I’m wondering if I just need to end all business with 121 since they can’t even communicate how they say they can or complete a simple task. I don’t get it??

  Business response

  08/15/2022

  Hello ********,
  
  Please find the attached letter for you, regarding ******** ***** (ID #********).
  
  Warmly,
  *******
  ******* *******
  

  
  

• Initial Complaint

  07/25/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  2013 Nissan Altima was purchased while I was on deployment approximately in July 2016. I have records showing I was deployed over seas during this time. My X wife purchased this car while I was deployed with no power of attorney for approximately 27,000 in my name. As soon as I returned stateside and seen the car and the excessive cost, purchased in my name without my knowledge. I went to 121 and complained as well as the dealer that sold the car. 121 said that I needed to take it up with the dealer who sold the car. I do not agree that a car can be purchased without the liable party signing for it. Also, the main reason this issue has come up is I have been financially struggling off and on throughout the course of this loan and I looked at the account fees last week for the entire life of the loan and it comes out to 1104 dollars charged in late fees over the 60 months of the loan for basically every month since opening the account. I have called in and asked for help and they company said there was nothing they could do. However they would continue to tack on late fees every month to get to a level that would pay 3 car payments in fees. But only late not missed. This is not the only issue. The company would only require the min payment every month and roll in the late fee to the principal. So the loan now incurred another 1163 in additional interest based on these fees rolling into the loan. So not 3 payments worth of fees but almost 7 months worth of extra fees when interest is taking into account. Pay was supposed to be January 2023 however these additional costs added seven additional months till July 2023 if I pay an additional payment this month to stop the late payment fee. Otherwise with interest and fees it could go farther. I was taken advantage already with the fact this car was purchased for thousands more than the car was worth while I was gone plus interest on that. They offered $200 for my Trouble now and a skipped payment option. $2100 later.

  Business response

  08/09/2022

  Hi ********,

   

  Please find the attached letter in regards to complaint ID ******** (*********** *******).

   

   

  Warmly,

  *******

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

  Executive Assistant

  *********

• Initial Complaint

  05/02/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Company did not properly verify my information.

  Business response

  05/18/2022

  See Attached.

  Customer response

  05/20/2022

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

   Complaint: ********

  I am rejecting this response because:

   

  The company stated my account was properly investigated. How is that possible if the address is incorrect, the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under:

   

  15 U.S.C. 1681 Section 602 A. States I have the right to privacy

   

  15 U.S.C. 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions

  
  

  According to 15 U.S.C. 1681n (a)(1) any damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1000;

   

  I want one thousand dollars per violation and the account removed

   

  Regards,

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

• Initial Complaint

  04/20/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I paste a copy of the letter that was sent to the other company explaining the issue. 121 Financial refused to give me my funds after witnessing everything that I witnessed. ATM - Request amount - $800.00 Amount taken out - $803.00 Wednesday January 5th 2022 I went to 121 Financial Credit Union drive-through ATM located at ***** ****** *** *************** ******Upon arrival to the ATM I inserted my card, followed the prompt to enter my PIN number, then selected withdrawal and chose checking. I entered the amount of $800.00 to be withdrawn then pressed OK and after that accepted the $3.00 fee. The screen displayed ‘’ Transaction In Progress’’. After a while I noticed that the screen has froze up and my card was stuck and would not come out of the machine, no cash was dispensed from the machine. I made an attempt to call 121 Financial but I could not reach anyone by phone, I then left my vehicle parked at the drive-through ATM and walked inside. My daughter waited in the vehicle to monitor the ATM. I explained to a bank teller inside, he then walked out side and noticed that the ATM had froze up and the screen still displayed ‘’ Transaction In Progress’’. The teller notified the manager and I explained the situation to him, he also went out to the ATM and witnessed the machine still froze displaying ‘’ Transaction In Progress’’. The bank teller came back outside an informed us that he reached out to tech support and that the ATM machine will be shut down to do a reboot. Once the reboot was initiated my card was then released from the machine, the screen was currently blank and it did not dispense the requested funds of $800.00. The manager informed me that it was nothing he could do and I would need to file a dispute with Direct Express in order to receive the funds that was not dispensed from the ATM machine. A dispute was filed with Direct Express on Wednesday January 5th 2022. No resolution yet. A complaint has been filed on Direct Express. They have Cameras

  Business response

  04/27/2022

  See Attached.

• Initial Complaint

  02/08/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This account inaccurately reported from my credit report in 3 credit bureaus like *******, ******** and **********. **************** Date Opened:03/05/2014 The postings on this account was inaccurate and misleading also included inaccurate balances ($1,384.00). I already reached out to them but still now there were no responses also sent disputes to the Credit Bureaus

  Business response

  02/23/2022

  See Attached.

• Initial Complaint

  07/08/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have paid 805.00 monthly on time payments to 121 financial. 121 added extra added protection to my loan totals of $300.00 more a month. Which I have proof that my vehicle was covered by have Insurance cards. Now 121 has sent to my credit bureau that I’m behind on my truck payment and saying I’m 30 days late, while making the payments of 805.00 per month on time . Should not owe any xtra because I had my own insurance. My credit drop over 80 points, and 121 saying I still owe for this added protection, which I feel and have dispute this matter since day one. When I signed my loan agreement, I agreed on $805.00 a month which this September will be a year, I have made 9 months of on time payments.

  Business response

  07/23/2021

  July 16, 2021 
  *** ******* ***** 
  BBB of Northeast Florida & Southeast Atlantic 
  4417 Beach Boulevard, Suite 202 
  Jacksonville, FL 32207 
  **** *** *****: 
  I am writing in response to the complaint filled with the Better Business Bureau by *** ***** ***** on July 8, 2021 (ID# #********). We have researched the situation and reached out to the member directly. 

  As a courtesy, we have attached a copy of the response letter sent to *** ***** *****. 

  ***** ********** 
  SVP Lending 
  121 Financial Credit Union 
  

  
  

*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. ↩