Complaints

This profile includes complaints for We Florida Financial's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  We Florida Financial

  9560 Pines Blvd Pembroke Pines, FL 33024-6258

• 

  We Florida Financial

  6079 W Oakland Park Blvd Lauderhill, FL 33313

• 

  We Florida Financial

  680 NE 124th St # 5548 North Miami, FL 33161-5548

• 

  We Florida Financial

  1982 N State Road 7 Margate, FL 33063-5710

• 

  We Florida Financial

  4300 Alton Rd Miami Beach, FL 33140

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:03/01/2023

  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.

  A charge off was put on my credit report on December 4,2022. My mom opened an acct in **** and somehow my name was on it I was 9 years old! She died June 2022, I did not know that she owed the bank 84$ . They didnt call, email or write me a letter pertaining the 84$ but they can find me to put it on my credit report! I still paid the 84$ on February 17,2023 and the account is closed. I dont think I should have this on my credit for 7 years. I wasnt given the opportunity to pay a lousy 84$ so you wouldnt put this on my credit report!

  Business Response

  Date: 03/16/2023

  03/10/2023
  Re: Complaint Letter XX1250-00
  Dear *************************,
  In reference to the complaint submitted, weve reviewed your account and found the following
  information.
  The account was originally opened back in **** without you on it. On 11/13/1995 a new application was
  signed having you added as a joint owner of the account. Please see the attached application.
  Accounts that remain negative for more than 45 days are charged off. The account was charged off on
  10/06/2022 with a negative balance of $84.24. $80.50 was due to fees, leaving a true negative balance of
  $3.74. All account owners are responsible for the activity on an account. Having a charged-off account
  impacts the credit of both account owners.
  The negative amount has been paid in full. Your credit report will be adjusted to show that it was a charged
  off share that was paid in full. Per the Fair Credit Reporting Act, we have to report fairly and accurately.
  All documentation we have shows that this is accurate. We will not be removing this from your credit.
  If you have any further questions please give us a call at ************ Monday through Friday 9AM-5PM.
  Sincerely,
  **************** Department
  *******************************
  We Florida Financial
  ************

  Customer Answer

  Date: 03/17/2023

   
  Complaint: 19523583
  
  I am rejecting this response because: I was not aware that there was a charge off! I was not notified! I wouldve been more than happy to pay.  You were sending information about a charge off to a DEAD woman!! I will leave negative reviews on We Florida Financial! 
  
  Sincerely,
  
  *************************

  Business Response

  Date: 03/23/2023

  Good Morning, 

  We Florida Financial has no further response at this time.

   

   

  Customer Answer

  Date: 03/23/2023

   
  Complaint: 19523583
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:01/03/2023

  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.

  We Florida Financial should reconsider its policy of blocking an account holder from speaking to a supervisor on the phone when requested. In more than one instance when the issue was not resolved by the ground level employee I requested a supervisor and was immediately told a supervisor was not available and also told the supervisor would provide the same response. In one instance I was told a supervisor would return my call in 24 to 48 hours and I never received this call. This credit union needs to improve their customer service by not blocking access to the next level supervisor.There is no information on the Internet stating the physical location of the headquarters of We Florida Financial . This shows this credit unions lack of transparency. This should change with street address added to their PO Box address.

  Business Response

  Date: 01/23/2023

  1/23/2023 
  
  
  
  Re:Complaint Letter ID ******** 
  
  
  
  Dear *********************, 
  
  
  In reference to the complaint submitted on 01/04/2023, we have reviewed your account and found the following information. 
  
  On 12/20/2022, you spoke to a representative in our Member ******************** regarding fees that were charged to your account. During that conversation with our representative, you both discussed the fees that were charged to your account and why. At that time, you requested to speak to a supervisor and the representative submitted a request to management in the **************** department. You were advised that you would be contacted within ***** hours. ***** the Assistant Member Relations Manager contacted you, and you were unavailable, we left a message with our contact information. We apologize for the difficulties that you have experienced. All request to speak to a next level manger are within ***** hours of the request.
  
  If you have further questions, please contact ** at ***************************. 
  
  Sincerely, 
  
  
  
  ********************;
  Member Relations Manager 
  We Florida Financial 
  P:************ 
  F:************ 
  A:1982 ******************************************* ** 33063 
  E: ********************************?  
  WeFloridaFinancial.com 

• Initial Complaint

  Date:12/29/2022

  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 went to Bank November 28, 2022 to obtain a new debit card and report my card. lost given a number to call to obtain a new debit. I called December 8-/ i was told card will take 10 business days/ called December 14 I was told card will take ***** business days. I went to bank December 23 @ 3:00 pm ask the teller if my debit card came to bank, he looked in a file no debit card. I ask teller if my card comes to bank please call me to pick up.My card came December 27, 2022 to the ***************** Office and was sent back awful customer service ************ good luck speaking to a real human

  Business Response

  Date: 01/24/2023

  1/23/2023 
  
  
  
  Re:Complaint Letter ID ******** 
  
  
  
  Dear *********************, 
  
  
  In reference to the complaint submitted on 12/29/2022, we have reviewed your account and found the following information. 
  
  In November, your previous card was set to expire, and the system generated a replacement card to go out to you. Unfortunately, we did experience a delay in the processing of those cards, and it was sent out on the 29th of November to be delivered to the address on file. Despite the delay in processing, the card, regrettably, was never delivered to your address as it was supposed to. We apologize for the incorrect information that was offered considering the delay as this was a volatile situation that we were still attempting to resolve. Upon notification of your situation, we had our Senior Member Relations representative, ******* reached out to you. Another card was issued to you and to ensure that the card would be delivered we had it routed to the *********** branch where you retrieved it. We were able to confirm that you activate the card on 1/4/2023 restoring your access to your account.
  
  If you have further questions, please contact us at ***************************. 
  
  Sincerely, 
  
  
  
  ***** Amin 
  Member Relations Manager 
  We Florida Financial 
  P:************ 
  F:************ 
  A:1982 ******************************************* ** 33063 
  E: ********************************?  
  WeFloridaFinancial.com 

• Initial Complaint

  Date:11/29/2022

  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.

  To whom it may concern;On June 22,2022.my account started over- drafting unknowingly, as the WeFlorida Financial failed to communicate via text or **** or phone contact.The bank allowed for my account to go negative ******** .when my overdraft limit has always been 1,000.00.My account was over drafted 61 times with no notice at all.I have made numerous contact with the bank and the bank seems to care less and refuses to return all the fees,that were caused by fraud. WeFlorida financial, found that all transactions that I reported as fraud were confirmed as fraud . My first communication was with ****** (supervisor.)on 8/23/2022 at 2:50 pm at the ************** location.Two months passed and contacted the bank and the bank stated my case was closed . I proceeded and when back to the branch and made contact with ******************************************************,(GM)contacted me on October 28,2022 @ 12:27pm.******, stated the she was contacted by Corporate and they offered to re-emburse twenty Nsf. fees that the bank had already returned thirteen fees in the past.I proceeded to decline their offer as the bank is not entitled to keep my money. It is now November 29th,I have yet to hear from the bank another month has gone by and the bank continues to neglect to return my money. That would be a total of 33 NSF. Fees out of 61 NSF. Thats a difference of 28 NSF. Fees totaling ********. Why is it that this bank is stealing my money as they arent entitled to any of my money, as this was all caused by fraud and confirmed by the bank. I never received any Type of notice or contact from the bank until my account went negative 2,449.42.I am requesting for help in this matter and Thank-you in advance.*****************************

  Business Response

  Date: 12/05/2022

  
  12/5/2022
  
  
  
  Re: Complaint Letter ID ********
  
  
  
  Dear *****************************,
  
  
  In reference to the complaint submitted on 11/29/2022, we have reviewed youre your account and found the following information.
  
  On 7/14/2022, you reported your debit card stolen. When the card was reported stolen, there were also transactions that were stated as fraud. Those transactions began on 5/11/2022 and ended on 7/12/2022. There was a total of 22 transactions that took place during that time frame and were reported for fraud. On 6/22/2022, you began receiving fees. There was a total of 61 courtesy pay fees, and 1 NSF fee between 6/22/2022 and 7/20/2022. We Florida Financial returned 6 of the fees totaling $234.00 on 7/27/2022. On 8/8/2022, 7 fees were returned totaling $273.00. The 13 fees returned were based on the fraudulent transactions which had incurred a fee. All fraudulent charges were returned to you. On 10/28/2022,you were offered 20 additional fee returns, however these were declined. After review of the account on 12/5/2022, it was noticed you did not have alerts on online banking setup. In addition, statements were not setup for electronic transmission. Notices are sent to members when fees are charged on their account. In order to prevent this from recurring, please contact We Florida Financial to discuss best practices for protecting your account. In addition,the remaining 49 fees will be returned to you. This will be a total of $1,911.00. You should see the fee refunds reflected within the next 30 days.
  
  If you have further questions, please contact us at ***************************.
  
  Sincerely,
  
  
  
  ***********************
  Fraud Manager
  We Florida Financial
  P: ************
  F: ************
  A: ******************************************************** 33063
  E: *********************************** 
  WeFloridaFinancial.com

• Initial Complaint

  Date:11/18/2022

  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.

  Ive recently reached out to the credit union directly to resolve an issue regarding a dispute charge that was originally approved in my favor. A month or two later the disputed charge of $285 was reversed out of my account unknowingly and without any notice which put my account into a negative state. I was advised that the dispute was reversed due to me not acknowledging a letter that was sent. I never received any notice about the dispute. However, I contacted the credit union to simply request the 3 NSF fees to be refunded since I was able to add money to my account to make it positive on my own. The credit union has done this in the past on multiple occasions. Now they are advising me this isnt something they can do. I no longer want to have an account with the credit union and I will be closing my account with the branch.

  Business Response

  Date: 12/09/2022

  December 9, 2022
  
  
  *********************************************************************************************** 33313
  
  Re: Complaint #********
  
  Dear **************;
  
  We have reviewed your account and made a business decision to refund the insufficient fees at this time. The account has been credited $117.00 on December 9, 2022.
  
  Please contact us at ************ if you have any further concerns.
  
  Sincerely,
  
  
  
  **************** Department
  We Florida Financial
  

• Initial Complaint

  Date:11/07/2022

  Type:Customer Service 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 am not liable for this debt with We Florida Financial and do not have a contract with Florida Financial. They do not provide me with the original application like I asked.

  Business Response

  Date: 11/22/2022

  11/18/2022
  
  
  Re: Complaint Letter XX9807-00
  
  
  
  
  Dear *******************************,
  
  
  
  In reference to the complaint submitted, weve reviewed your account and found the following information.
  
  On 12/12/2018 you signed an agreement to be the owner on the account in question. See attached document.The account became overdrawn on 06/04/2021 and remained with a negative balance until it was charged off as a loss to the Credit Union.
  
  The account was charged off on 07/09/2021 with a negative balance of $2,668.99. $149.50 was due to fees, leaving a true negative balance of $2,818.49. You are responsible for the activity on an account. Having a charged-off account impacts your credit reporting. 
  
  Per the Fair Credit Reporting Act,we have to report fairly and accurately. All documentation we have shows that this is accurate. We will not be removing this from your credit. Our investigation has been completed.
  
  If you have any further questions,please give us a call at ************ Monday through Friday 9AM-5PM.
  
  Sincerely,
  
  
  
  
  **************** Department
  *******************************
  We Florida Financial
  ************

• Initial Complaint

  Date:10/26/2022

  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 was in a car accident and once the insurance paid this bank, they still took my monthly payment of $512 from my bank. There is an aftermarket warranty being refunded and gap insurance being activated and they are holding onto my payment and threatening my credit score if I dont keep it up-to-date Instead of pushing out my due date like every other bank would. After the first phone call, they refunded the money to the credit union savings account, which I had to set up a wire transfer to my bank to get. By the time the transfer was set up, and I tried to move the money, they took it back without authorization And are now holding it. I have called three times about this issue and have been working with the dealership to try and escalate getting this refund to them.

  Business Response

  Date: 11/15/2022

  Re:Complaint Letter XX5715-01
  
  
  
  
  Dear *********************,
  
  
  
  In reference to the complaint submitted, weve reviewed your account and found the following information.
  
  On 09/20/22 we received the check from your insurance company that was applied to the loan. Insurance funds get applied to principle and doesnt go towards your monthly payment. At that time,the loan was due for the September 22nd payment in the amount of $512.37. It was automatically drafted and applied to the loan on 10/03/22 to cover the September payment. A request was submitted to have the payment reversed and stop all future automatic payment on 10/14/2022 after you spoke with our ************************** The payment was reversed prematurely and for this reason it was placed back on to the loan to cover the initial September payment. Your loan is currently due for the 10/22/22 payment in the amount of $512.37 with the next payment coming due on 11/22/22.
  
  Per your contract, until the loan is paid in full, youre still responsible for making payments. Failure to make the payments can result in potential late fees, interest accrual, and possible credit reporting. Members can apply for loan extensions which can ***** some reprieve, but your loan doesnt qualify due to its maturity.
  
  If you have any further questions please give us a call at ************ Monday through Friday 9AM-5PM.
  
  Sincerely,
  
  
  
  
  **************** Department
  *******************************
  We Florida Financial
  ************

  Customer Answer

  Date: 11/16/2022

   
  Complaint: 18317988
  
  I am rejecting this response because:
  
  I do not have the car, I do not have power of attorney of the vehicle, the dealership is still processing the extended warranty cancellation. Once that is refunded, then the gap coverage will activate paying off the remainder, but they are still trying to hold me responsible while it processes. If I continue making payments on it until its done then I will have paid for gap coverage for nothing.
  

  Sincerely,
  
  *********************

  Business Response

  Date: 12/19/2022

  Dear *********************,
  In reference to the complaint submitted, we have reviewed your account and found the following
  information.
  Per your contract, you agree to pay us all you owe even if the vehicle is damaged, destroyed, or missing.
  Please see your attached retail installment contract. You are responsible for the payments until the loan
  is satisfied in full. Failure to make the payments can result in potential late fees, interest accrual, and
  possible credit reporting.
  Purchasing GAP coverage is optional. Once the payment comes in, it will be applied to the principal
  balance. If there is a surplus, we will cut a check to you, or you can withdrawal the funds at once of our
  locations.
  If you have any further questions, please give us a call at ************ Monday through Friday 9AM-5PM.
  Sincerely,
  **************** Department
  *******************************
  We Florida Financial
  ************

  Customer Answer

  Date: 12/23/2022

   
  Complaint: 18317988
  
  I am rejecting this response because:
  
  the after market warranty has now been canceled now the gap will kick in. We fl will get paid, regardless of their harassment towards me and my boss (they called her trying to get money from me). 
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:09/30/2022

  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.

  I saw my credit report and I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. Evaluate and investigate those account that is not 100% accurate. Here are the lists that indicates the company name, balance, and date last reported:Account Name WE FLORIDA FINANCIAL Balance $0.00 Account Number XXXX

  Business Response

  Date: 11/10/2022

  11/04/2022
  
  
  Re: Complaint Letter XX7926-01
  
  
  
  
  Dear *************************,
  
  
  
  In reference to the complaint submitted, weve reviewed your account and found the following information.
  
  On 09/21/2015 you financed a loan through We Florida Financial. The purchase agreement was for *******************, **** It was to purchase educational services. Attached is the Consumer Promissory Note.
  
  In March of 2016 the loan was charged off due to it being over 90 days past due. The amount is still owed but due to the age of the charged off loan, weve agreed to have it removed. You should see the change reflected within the next 30 days.
  
  If you have any further questions,please give us a call at ************ Monday through Friday 9AM-5PM.
  
  Sincerely,
  
  
  
  
  **************** Department
  *******************************
  We Florida Financial
  ************
  

• Initial Complaint

  Date:09/08/2022

  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.

  Ive sent several letters to we financial. Theres an account with a $139 balance acct#******that doesnt belong to me. Im only asking for a removal of the account from my profile. *** sent countless letters by certified receipt starting back on 7/8/22 we financial informed me they had not record of The account, and encouraged me to write their branch location in *******,**. So I was left hopeless to tried and fix that matter on my own Im simply asking for a removal of this account from my Credit report.

  Business Response

  Date: 09/20/2022

  
  09/19/2022
  
  
  Re:Complainant Letter XX6065-00
  
  
  
  
  Dear *******************,
  
  
  
  In reference to the complaint submitted, weve reviewed your account and found the following information.
  
  On 08/11/2009 you signed an agreement to be a joint owner on the account in question. See attached document. The account became overdrawn on 7/15/2018 and remained with a negative balance until it was charged off as a loss to the Credit Union.
  
  Accounts that remain negative for more than 45 days are charged off. The account was charged off on 09/05/2018 with a negative balance of $936.76. $797.00 was due to fees, leaving a true negative balance of $139.76. All account owners are responsible for the activity on an account. Having a charged-off account impacts the credit of both account owners.  
  
  If you have any further questions please give us a call at ************ Monday through Friday 9AM-5PM.
  
  Sincerely,
  
  
  Member Solutions Department
  *******************************
  We Florida Financial
  ************
  ******************************************

  Customer Answer

  Date: 09/20/2022

   
  Complaint: 17935737

   

  in 2009 I was 11 years old? This isnt my account I wasnt even eligible to open my own account 
  Please remove account from my credit profile 
  I am rejecting this response because:
  
  Sincerely,
  
  *******************

  Business Response

  Date: 10/03/2022

  09/30/2022
  
  
  Re: Complainant Letter XX6065-00
  
  
  
  
  Dear *******************,
  
  
  
  In reference to the complaint submitted, weve reviewed your account and the documents. We found the following information.
  
  On 08/11/2009 you signed an agreement to be a joint owner on the account in question. See attached document. Based on the identification and the signed membership application you are a joint signer on this account. In 2009 our records indicate you were a student at the time and you were 19 years old.
  
  If you have any further questions please give us a call at ************ Monday through Friday 9AM-5PM.
  
  Sincerely,
  
  
  **************** Department
  *******************************
  We Florida Financial
  ************
  ******************************************

  Customer Answer

  Date: 10/04/2022

   
  Complaint: 17935737
  
  I am rejecting this response because I say this in all humility and respect that's not my signature, ive never lived at that address this is NOT MY ACCOUT.Im once again asking for a removal of this account ive send in countless documentation informing we that this isn't my account and for whatever reason their still reporting it this has been emotionally draining for me. Transition and Equifax have already removed this account im simply asking for WE FINANCIAL TO remove this from Experian. 
  
  Sincerely,
  
  *******************

  Business Response

  Date: 11/03/2022

  11/02/2022
  
  
  Re: Complaint Letter XX6065-00
  
  
  
  
  Dear *******************,
  
  
  
  In reference to the complaint submitted, weve reviewed your account and found the following information.
  
  As mentioned in the previous response on 08/11/2009 you signed an agreement to be a joint owner on the account in question. See attached document. According do all the documents you were eighteen at the time of signing. The account became overdrawn on 7/15/2018 and remained with a negative balance until it was charged off as a loss to the Credit Union.
  
  Accounts that remain negative for more than 45 days are charged off. The account was charged off on 09/05/2018 with a negative balance of $936.76. $797.00 was due to fees, leaving a true negative balance of $139.76. All account owners are responsible for the activity on an account. Having a charged-off account impacts the credit of both account owners. 
  
  Per the Fair Credit Reporting Act,we have to report fairly and accurately. All documentation we have shows that this is accurate. We will not be removing this from your credit. Our investigation has been completed and moving forward we will not respond to future complaints.
  
  If you have any further questions please give us a call at ************ Monday through Friday 9AM-5PM.
  
  Sincerely,
  
  
  
  
  Member Solutions Department
  *******************************
  We Florida Financial
  ************