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Business Profile

Credit Union

Decatur Earthmover Credit Union

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 3 total complaints in the last 3 years.
  • 1 complaint closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:03/25/2025

    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.
    My husband and I went to the Decatur earthmovers back and received a loan for 1500.00 dollars in march 2024. We made all payments on time till sept 2024 . My husband passed away in July 15 2024 . I went into bank to pay my loan when the loan officer came up to me a said I didn’t have to pay this loan because there was a death claim in my loan . Since my husband passed it was payed for. So a few month went by and I got a ding on my credit report for this loan . I called the bank and they said I stilled owed the loan since my husband died before the 6 months of paying on the loan . I have been going back and forth with them on this for awhile they even wouldn’t let me take some of my money out of my account until I talked to someone there about this loan. Now I called to pay my car payment and the lady said they could repo my car if I didn’t pay this loan. And I’m not late on my car payment they are telling me I have to talk to there lawyer before I can make my payment .

    Business Response

    Date: 03/27/2025

    On 5/16/24 ***** ******* and *****
    ******* were issued an unsecured loan in the amount of $1500.00. The loan was
    issued with voluntarily joint loss of life credit protection, the members were
    given disclosure documents at time of closing stating the loan details and
    credit protection plan. On 9/3/24, Mrs. ******* provided the credit union with
    a death certificate stating her husband had passed away on 7/15/24. At the time
    Decatur Earthmover Credit Union did file the claim with the insurance provider for
    Mrs. ******* for loss of life. The claim was denied by the insurer, based on
    the length of the loan. Loans must be at least 6 months from issue to be
    covered on a death claim, this information is disclosed in the documents
    provided to the member at the time of closing a loan. All credit protection is
    reviewed at the time of closing the loan and is to be reimbursement when a
    claim is filed. This means payments are still required while waiting for the
    claim to be completed.

    Once the claim was denied, the
    credit union made attempts to work with the member by offering a refinance
    option to reduce the monthly payment. The credit union was and would be willing
    to refund all payments made for the loss of life protection based on the
    situation. The total of $16.51 would be refunded, this is the compensation the
    credit union was ready to offer when doing a refinance of the loan. Mrs.
    ******* was sent the new loan documents at her request to review, the documents
    were never signed or returned to complete the refinance. Additional attempts
    were made to contact Mrs. *******; however, the member did not respond to those
    calls or emails.

    Due to cross collateralization,
    and the fact that the unsecured loan is delinquent, all transactions require
    the member to speak with someone prior to doing transaction. This is an attempt
    to get payment arrangements from the members. No payments or transactions have
    been denied.

    Customer Answer

    Date: 04/02/2025

    I have talked to the loan officer about this situation and was told I did not have to pay this loan. When I went in to pay the loan in sep 2024 the loan officer came out and told me I had a death clause in my agreement and did not have to pay this loan so I did not pay it then 2 months later I get a ding on my credit report so I called them and they said there loan officer made a mistake . I feel that this was not my fault this was the banks fault for telling me I did not have to pay this. 

    Customer Answer

    Date: 04/14/2025

    Today the Decatur earth movers had my car repossessed . My car was in good standing they are trying to force me to pay this other loan that was told to me by there bank that it did not have to be because of my husbands passing . I also called to pay my last car payment and they refused to take the payment unless I signed documents for a new loan .
  • Initial Complaint

    Date:12/31/2023

    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.
    On November 7, 2023 Decatur Earthmover towed my car stating I was 108 days behind on my payments. My car payments are due on the 21st of every month. I knew I was going to have surgery on August 28th of 2023 and that I would be out of work for a month. So on August 16th, 2023 I paid 2 car payments. My car payments are $241 & I gave them $500 even after hours using their deposit box. Then on September 3rd of 2023 I made another car payment of $241 in person. That would have put me on track to pay my payment on November 21st, but they towed it on the 7th. They didn’t give me a receipt for either transaction. Normally if I pay in person they give me a receipt, and if I pay after hours I get a receipt sent to my email which did not happen. Decatur Earthmover is telling me they also do not have those receipts. They wanted me to pay off the entire loan plus the towing fees which came to a total of $3091. Which I did not have at the time nor could I come up with that amount of money in 21 days. Now I am in debt to them and my credit is being effected when my car should have not been towed in the first place. They cannot provide me with the receipts, and I am not the first person they have done this to. On the same day my car got towed, Shawn Thompson also got her car towed. They told her the same thing, she owed $2000 and they couldn’t provide her the receipts.

    Business Response

    Date: 01/02/2024

    On March 22, 2021, Ms. ******** ********** borrowed $6410.00
    with a monthly payment of $241.00, first payment due on April 22,2021. In
    January of 2022 and February of 2022 no payments were received which put the
    loan payment delinquent by 60 days. In March 2022 a $241.00 payment was
    received still leaving the loan in a delinquent state. In April a repossession
    of the vehicle was issued, and the member redeemed the loan bringing everything
    current on April 20, 2022.  Payments were
    received timely for the months of May and June. No payment was received in July
    2022. During August 2022, Ms. ********** made 2 payments bringing the loan
    current. No payment was received in September 2022 and the loan continued to be
    in a delinquent state until November 2023 at which time a second repossession
    was issued. On a second repossession, the outstanding balance in full and all
    associated fees are required to redeem the collateral.

    Regarding the August 16, 2023 payment, all items
    placed in the night depository are logged when they are retrieved during open
    hours. Our log indicates one (1) cash payment of $241.00 was received and
    credited on August 16, 2023. This payment would satisfy the missed July 2023
    payment causing the loan to stay more than 30 days delinquent when the next
    payment of $241.00 was credited on September 5, 2023 for August payment. Each
    consecutive payment made was credited for the prior month due to the
    delinquency.

    Decatur Earthmover Credit Union stayed in communication with
    Ms. ********** during 2023 as the loan continued to be delinquent from August
    until action was taken in November. In November the member was given an
    opportunity to redeem the vehicle for the amount owed once the vehicle was
    repossessed.  When the member failed to
    redeem the vehicle, the vehicle was sold at auction. The auction value did not
    cover the full balance owed on the loan therefore leaving a balance owed by Ms.
    **********. Documentation was mailed to Ms. ********** during the
    repossession process to include the balance still owed.

    Customer Answer

    Date: 01/04/2024

    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.

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