ComplaintsforEnvision Credit Union

• Initial Complaint

  04/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am having credit history issues on my accounts through credit bureaus based off of not paying my loan on time, this is now the third time Ive had this issue, they corrected it one-two time already. Now I have two late payments on my account through all the credit bureaus. I have called multiple times in reference to this the first time and second time, it got resolved after about six tries. Now Im having the same problem again. I have not called in reference to Fix and for the third time quite yet, but I will do call then sometime in the coming days. But this is getting completely ridiculous, I have gone through this ordeal once or twice, and I dont want to keep having to do this once every couple of months because they cannot get their act together. The last time I spoke to anyone said you were paying directly through your account, there should not be any issues. But for some reason, I keep having the same issue of late payments on my loan through envision. theyre supposed to be a good company to work with, so far this has been a complete nightmare every couple of months because they cant get their act together. So I have to file a complaint, and get a hold of envision again and fix this problem again. would not use them at this point if it was not for my employer, using them as the direct credit union.

  Business response

  04/29/2024

  We completed the correction in January 2024 that resulted from a Stop Payment; the member has provided no information regarding additional disputes.  However, in going further back with research it does seem that there was a late payment reflected in October 2022 after the Flowersmerger, which appears to have been reported in error, as the member did not miss any payments at that time.  We have taken the necessary steps to remove this late payment from the credit report, and it should be updated in 5-7 days. 

• Initial Complaint

  03/11/2024

  Complaint Type:

  Delivery Issues

  Status:

  Resolved

  More info

  I ordered a single checkbook for my business account (member 196776). They sent two checkbooks. Both were misprinted entirely with wrong account number and other details. They stated they would order a replacement. They sent me a correct checkbook, but charged me for all three, including the two misprints. Contacted organization a week ago. They stated they would correct it immediately. A week went by and it is still incorrect, showing two additional charges of $***** for the unordered and incorrect books.

  Customer response

  03/11/2024

  Update. We were contacted today **** for the bank to state they would investigate with the check company and work on processing the refund (which is what they also stated a week ago but we will monitor to ensure this happens this time). 

  Business response

  03/19/2024

  Please see our response attached.

  Customer response

  03/20/2024

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  Regards,

  **** ******

   

• Initial Complaint

  01/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have had major problems with dealing with this Credit Union since they have been in business, since they switched over from Flowers credit Union to envision credit Union. I now have a line of credit with envision and have made a $2600 payment to try to pay off the entire balance,there is a late fee on my account up until this very second. I had called multiple times with no response to the issue. The customer service agent in charge of my account so theyre gonna call me back today at five, they did not call me back at five. I am tired of the **************** issues, as well as the issues with my accounts, which had no answer still to this moment. I have contacted him at least-five times in the last two business days. And had zero response. I have talked and talked and talked with no resolution or any sign of the problem getting fixed. I am probably going to pull all of my accounts and just use a different Credit Union altogether. It is very convenient because it isnt through my employer, but that is still not make it easier to deal with because they have not been that great to deal with from the start.

  Business response

  01/23/2024

  Thids member had a payment returned on his loan on 12/29/2023 due to a stop payment being issued. Because of this revolving nature of this particular account and how the payment was reversed, the account actually cycled and was looking for the entire balance due in order to make the loan current, which was incorrect. This was corrected as soon as it was discovered on 01/08/****, and there has been no negative impact to the member's credit report. We reached out via phone and email on January 10. **** to the member as well.

• Initial Complaint

  10/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Misleading False Reporting/Payment Status is Incorrect. Envision Credit Union Account **** ****** ****** ****** ***** These accounts are inaccurate and I'm seeking litigation, please delete at once. This inaccurate information is reporting on my credit report. I will want it to be removed now. I sent several certified letters one on 04/13/2023 and again on 07/26/2023 yet nothing was resolved. I want them deleted now.

  Business response

  10/11/2023

  October 1, 2023

  RE: Response to Better Business Bureau Complaint ID# ********

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

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

  ******** ** 

   

  To whom it may concern:

  The above reference consumer has initiated several disputes with Envision Credit Union, requesting the removal of derogatory marks on his credit rating. The accounts referenced were accounts which were charged-off but were subsequently paid in full. It was determined that the reporting was accurate and was not due to an error on the part of Envision Credit Union; therefore, the reporting cannot be removed. In fact, the member acknowledged the late payments in the most recent dispute received July 2023. We requested further details in response to this dispute but did not receive any additional information. This documentation is attached.

  We do not have a record of a dispute received April 2023.

  The member also filed a dispute in February 2021, in which the reporting information was confirmed to be accurate. This documentation is also attached.

  Please let me know if there is additional information needed. Thank you for your assistance in this matter. 

  Regards, 

  ***** ********, VP Lending

  Envision Credit Union

  Business response

  10/11/2023

  Please see the additional attachment.

  Customer response

  10/11/2023

  [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 information that is being reported from Envision Credit Union to the three major bureaus is being reported inaccurate. Under the law 15 U.S. Code 1681i (5) Removal of Inaccurate/Invalidated Credit Information, and 15 U.S. Code 1681e (b) Compliance procedures maximum accuracy.  Envision Credit Union is in violation of my consumer rights under 615 USC 1681(b). The permissible purpose of the consumer report is that in this law consumers have the right to have anything excluded from the credit report. This law is used for noncompliance of the furnishers. There are several inaccuracies that I have disputed directly with Envision Credit Union and the major credit bureaus, but they continue to violate my right. Not once have I acknowledged late payments in my most recent dispute sent out in July 2023.  I did point out all the inaccurate information and yet this this information is still being reported. These accounts cannot be reported as charged offs with a written off balance.  They were paid in full as agreed, in which the letter states that Envision Credit Union provided in their response to my complaint. This is also a violation of consumer law. I am hoping to resolve this issue by getting Envision Credit Union to remove this negative information from my credit report without taking legal action.
  Regards,
  ******* ******

   

  Business response

  10/13/2023

  *** ******** accounts are reported correctly. We have forwarded *** ******** complaint to our Credit Union's attorney.

• Initial Complaint

  09/11/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On Sept 8, Envision Credit Union forcibly took money from my account to pay a debt that was less than 30 days late. When I contacted the bank, *** (?) answered the phone and was very dismissive to my financial distress. This bank and the people in it are disgusting. This action will cause my account to overdraft and put me in even more financial distress. I was unable to even talk to anyone about the situation because *** (?) put me on hold pretending to contact my loan representative and hung up on me. And then when I called back I was sent to a voicemail box, which means that no one would listen to my complaint or help my situation. I have been with this bank a long time, and I am disgusted by their treatment of their customers and their lack of ethics. They should be shut down. What bank forcibly takes money from someone's account without contacting them first, putting them and their family in a worse situation? Apparently Envision Credit Union does. Horrible people.

  Business response

  09/12/2023

  Please see the attached response.

  Customer response

  09/12/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  Regards,

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

   

• Initial Complaint

  06/15/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Envision Credit Union, unknowingly added insurance to my vehicle. When I contacted them about the payoff on the vehicle, which was supposed to be paid off in Aug 2023, they told me the amount was $5500, when it was only supposed to be at the time, about $1400. They said the vehicle was uninsured from 20 Jan 2020 to 2 Sep 2020 and we need to provide proof of coverage during this time period. This proof was then submitted to them. They have since come back and said they needed proof for an additional time period from 19 Mar 2019 to 19 Jan 2020. I has asked about what was the resolution for the first proof that was sent in. They came back and said that no partial or full refund would be refunded unless they received both proof of coverage. I told them that wasn’t right because proof had been sent in for the first time period, how could they come up with something extra? And why didn’t they say all this the first time? They are really trying to keep this car from being paid off on time.

  Business response

  06/29/2023

  Please see the attached response letter from our VP of Lending.

  Customer response

  06/29/2023

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  Better Business Bureau:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  Regards,

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

   

• Initial Complaint

  05/10/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Hello, I am reaching out regarding an unfavorable recent experience with Envision. Back in April of this year, I spoke with my Account Manaher ********* *. And we spoke about it being more fesable for me to split up my car payment into two payments biweekly instead of Monthly. I was advised to visit a local branch to fill out the form and move forward. I visited the ******** Branch and I worke with ****. I entered the info on the Form just as **** told me to which included start dates and withdrawal dates. Apparantly I entered the wrong start date and which was March the 3rd if I am not mistaken. I put March the 3rd because that was my next pay date and I was under the impression that, that is the day the first payment would pull. I then selected for the 1st and the 15th of everymonth therafter. But because the form ws submitted after the 1st, it didn't pull and it put me as being behind on my car note again. I don't think this error is fair to me becuase I only filled out as instructed by ****. I am not saying he is horrible for this. But I feel as though I should have been coached through this process a little better. I spoke with a managher about this and nothing happened. All he said was is that he understands, but **** is not at fault. Since then I applied for a loan with a loan company to help me catch up on my car note, but it turned out to be a fraudulent loan company. I gave them accesss to my envision online account to deposit the funds directly via ACH deposit. Once I learned this was a fradulent company, I contacted Envision and I asked them to close my account. I was told that I had to send a request in writing which I did. However, the account was never closed. I was then told that I had to open at least a savings account because of my car loan being with Envision. I tried to fund that account but was not told that the payment did not go through until days later. I have been at this for weeks now and it has caused severe stress and anxiety.

  Business response

  05/11/2023

  Better Business Bureau,

  
  Ms. ******** ****** came into the branch to set up her loan payments to come out of her paycheck on auto pay. As stated in her complaint, **** assisted this member with getting the proper form filled out. lt is the members' responsibility to know when their paychecks are going to hit the account so that the form is filled out correctly. Ms. ****** selected for her payments to come out on the lst and 15th of each month with the start date on 3/3/2023. **** explained to me that he was not aware that she was needing her payments to withdrawal on the ********, he only knew that she wanted her payments to come out on the 1st and 15th' Without knowing that she wanted her first payment to come out on the third, how would have **** known to advise her that she was filling the form out incorrectly? I came into this matter when ******** reached out to me to let me know the member wished to speak to the manager. When speaking to ********, she let me know that she had already informed the member that I was going to be looking for a solution to fix this error. When I contacted the member, I apologized for the error that had occurred and asked if she had the funds to catch the payment up and I offered to assist in fixing the form, if needed. She then stated that she had already used the funds that were intended for her loan payment.

  
  * ****** *******
  AVP/Branch Manager
  ******* ********* ******
  **** ********
  ************ *****
  ******************
  

  Customer response

  05/17/2023

  [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:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is un-satisfactory to me. On the form, the start date says March 3rd, which I was under the impression would be the date the funds would pull and then begin on the 1st and the 15th. I am nowher upset with ****. But I feel if this was my first time ever doing a form like this, it should have been explained to me better. I didn't know if the funds had not been taken out. I selected the 3rd because that was my next pay day. I do not feel I have been treated fairly in this matter, and I do not feel valued as a customer with Envision Credit Union.

  Regards,

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

• Initial Complaint

  11/09/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On November 1, 2022 Envision Credit Union repossessed my car for past due payments on my lifestyle loan and because my car was used as collateral. When I called to see how much I needed to pay I was advised to pay $2,519.36 and I could get my car back. I also received a notice in the mail that stated “notice of plan to sell property” after 11/17/22 if I did not pay my past due amount. However, my past due amount was for $1,477.35 so I was curious why the balance was so high. Prior to my car being repossessed I advised Envision CU that I was in a financial hardship due to losing my job. I started a new job but I was playing catch up from being unemployed for so long. To make a long story short I came up with the money to pay. After I made a payment I called to see where I could pick my car up and was advised that I needed to sign a GPS contract before my vehicle could be released which I totally disagree with because I’m not paying on an auto loan and it wasn’t in my initial contract. When I requested for a breakdown of the amount I paid I was then advised I also needed to pay additional money to the towing company to get my car back which was information the representative failed to mention until after I made a payment. When I finally received the email with the balance breakdown, it showed I paid an additional $1,000 plus the past due amount and my car was located in ****** **** and I live in ***********. Not only do I have to pay more money but I now have to find transportation to pick up the car in another **** where I don’t live that’s 2 hours away. I feel the representative for Envision CU intentionally made it difficult for me causing major stress to get my car back. When I called to speak with a manager, he advised me that he would find out what was going on and would call me back but never received a call. I am still without my vehicle and no answers to what’s going on. This is unacceptable.

  Business response

  11/17/2022

  Please see the attached response to Ms. ********** complaint.

   

  -****

  Customer response

  11/17/2022

  [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 issue regarding my account still being locked a week after my payment was processed has not been addressed. I’ve also requested 3 times via email for an itemized breakdown of my charges after noticing online my loan payment was reversed (I have a receipt to show what my balance was before my account was tampered with). I was ignored and placed on hold for a long period of time after requesting to speak with a manager in charge just to be told I could be transferred to someone’s voicemail. I requested to have a different representative to contact regarding my account but my request was ignored. I felt the representative over my account was being spiteful and extremely vindictive. As a black African American female with disabilities and health issues I feel I have been discriminated against and targeted after I explained I was suffering from a financial hardship from previously losing my job. This issue has caused emotional distress and more financial hardship. Envision Credit Union had my car towed to ****** ****, ** making it difficult for me to retrieve my vehicle. I had to find transportation on 11/15/22 and extra money to pay someone for gas to take me two hours away to pick up my vehicle and drive it back to *********** with an expired tag. My tire was flat when I picked up the vehicle plus fluids kept leaking out of of the vehicle causing it to over heat. Issues that was not existing with the vehicle before it was repossessed. I received my car back a week after I satisfied my account claiming to be waiting for a GPS to be installed which never happened. I had to leave my job early on 11/16/22 just to have a GPS installed on the vehicle in Envision CU parking lot which was handled very unprofessionally and which I was advised was suppose to be done 48-hours after I paid my past due balance and additional unknown charges to the credit union in the amount of $2,520 on November 8, 2022, almost $1,100 more than what I actually owed. Envision CU also made me pay an additional $175 with continued threats of holding my vehicle until another payment was received. I feel it would only be fair to be compensated for the inconvenience Envision Credit Union and the staff through this entire process has caused. I have also asked that Envision CU not contact me at my place of employment due to potential job loss for violating my employers policy regarding no personal phone calls at work regarding personal matters and I again request that my employer number be removed from Envision CU contact list. 

  Regards,

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

  Business response

  12/01/2022

  Ms. ******** returned ******* ******** (AVP Member Solutions) call today 12/01/2022 and agreed to speak again tomorrow 12/02/2022 at 1pm in hopes of reaching a resolution.

  -**** *******

• Initial Complaint

  11/08/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I AM VERY DISTURBED AND UPSET WITH ENVIISON CREDIT UNION HAS NOT RESPONDED BACK TO ME I SENT A LETTER REQUESTING THE PROOF OF CONTRACT. I NEED THESE ACCOUNTS DELETED FROM MY CREDIT REPORT THEY VIOLATING MY RIGHTS

  Business response

  11/17/2022

  Please see the attached response to Ms. *****'s complaint.

   

  -****

• Initial Complaint

  03/01/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I completely paid off and closed my ** ***** ******** CU / ENVISION CU account. It is still showing up as three separate accounts on my credit. Two of the accounts say they have been paid and closed with $0 owed. Today (02/28/22) I checked my credit & it decreased 33 points due to inaccurate reporting from ** ***** ******** CU / ENVISION CU saying I owed a total of $5,321. I have documentation to show proof of innacurate information. Reporting information that is inaccurate or not reported correctly violates the Fair Credit Reporting Act. It has led to financial injury and mental distress. I have contacted them almost 5 times without receiving any type of resolution or remedy for these violations. I requested to have all three accounts removed off of my credit due to so many violations, defamation, and negligent enablement of identity fraud. I have also contacted the Better Business Bureau, Attorney General’s Office, & Federal Trade Commission as well.

  Business response

  03/10/2022

  Good afternoon,

  Please see the attached response to *** ******'s complaint.

   

  Thank you,

   

  **** *******

*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. ↩