Complaints

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

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  Envision Credit Union

  440 North Monroe St. Tallahassee, FL 32303

• 

  Envision Credit Union

  PO Box 5198 Tallahassee, FL 32314

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:07/01/2024

  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 went to Envision on 5/23/24 to apply for a loan. A 2021 ****** maxima I saw online in **********, **. I told the loan officer precisely that I didn't want a car that had been in an accident. I decided to have ******************* ***********) to send me the Car fax report. The car had front end damage and on the drivers side. At that point which was 5/24/24 I contacted loan ******** ************************* that I do not want the car. She gave me a form to sign and I did so to cancel. 30 days later its showing that I have a loan for $28395.00. So I am asking that they cancel this loan like it was supposed to be. I am asking BBB for help to resolve this problem.

  Business Response

  Date: 07/10/2024

   

   

   

   

   

   

   

  ************** purchased a vehicle out of state sight unseen, he sent check and they delivered vehicle. They did not disclose a wreck on auto. Member came in to do a stop payment on check since he did not want car after not being told information on the vehicle. I submitted a stop payment request but it was denied since he had already signed paperwork with dealership and had the vehicle there was nothing we could do. We told member he had to contact the dealership he purchased the vehicle from to see if they would get vehicle back and return his check since information was withheld. I was told for legal purposes there was nothing we could do.

  When member came in we did form and *** submitted it to back office, I cannot find a case or email if she CC'd me in it. Whoever she spoke with in back office said it would be up to him and dealership to resolve since we could not cancel a check they had since he signed documents with dealership and took vehicle. They were saying it was basically the member getting car for free if we canceled check, he was told to contact them to try and get it resolved. Since then, I do not know if he spoke with the dealership about returning the vehicle or if he still has possession. When member came in, we did form and *** submitted it to back office, I cannot find a case or email if she CC'd me in it. Whoever she spoke with in back office said it would be up to him and dealership to resolve since we could not cancel a check they had since he signed documents with dealership and took vehicle. They were saying it was basically the member getting car for free if we canceled check he was told to contact them to try and get it resolved. Since then, I do not know if he spoke with the dealership about returning the vehicle or if he still has possession. 
  

• Initial Complaint

  Date:06/21/2024

  Type:Billing 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 have a **** * form for the amount. I can use this a taxable income on my taxes correct?  ]

  
  

  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,
  

  
  

  
  

  ***** ******

  
  

  
  

  
  

   

  Business Response

  Date: 07/08/2024

  *** ******,

  Please note that charge off balances over $600 and is unpaid, can be reported as income on a 1099. 

• Initial Complaint

  Date:04/29/2024

  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 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

  Date: 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

  Date:03/11/2024

  Type:Delivery 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.

  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

  Date: 03/19/2024

  Please see our response attached.

  Customer Answer

  Date: 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

  Date:01/11/2024

  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 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

  Date: 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

  Date:10/08/2023

  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 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

  Date: 10/11/2023

  Please see the additional attachment.

  Business Response

  Date: 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

  Date: 10/13/2023

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

• Initial Complaint

  Date:09/11/2023

  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.

  [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,
  

  
  

  
  

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

  
  

  
  

  
  

   

  Business Response

  Date: 09/12/2023

  Please see the attached response.

• Initial Complaint

  Date:06/15/2023

  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.

  [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,
  

  
  

  
  

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

  
  

  
  

  
  

   

  Business Response

  Date: 06/29/2023

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