ComplaintsforPark Community Credit Union, Inc.

• Initial Complaint

  03/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I called to pay off the balance of a credit card that I have with Park. I tried paying through the app but for some reason, it would not accept my information, which is a problem I have had with this credit union since I opened an account there. I was informed that I would be charged a $5 fee for paying by phone, which I agreed to, but the service rep charged the card I was trying to pay off instead the payment method I provided. Now I have $5 on my credit card, and was told I would need to pay another $5 to pay off the first fee! It’s such a hassle trying to get anyone on the phone to fix this problem, and no one ever replies to emails at this business. I would not recommend this credit union to anyone. In addition to the scam they are running with the payment fee, they have also consistently charged my card two to three days earlier than the date agreed upon for my reoccurring loan payment, and no one is willing to help me set up a payment method on the app so that I can pay it manually. I want the $5 fee taken off my card and applied correctly to the payment method I authorized.

  

  Business response

  03/14/2023

  Please see the attached response letter.

  thanks.

  Customer response

  03/14/2023

   
  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.
  
  Sincerely,
  
  ***** ****

• Initial Complaint

  07/22/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Hello, I am requesting that Park Community Credit Union remove all false information about me off of my credit reports. I was not late with any payments. Please remove the false information. Please send them this because I have tried to contact them requesting this be done and they won't do it.

  

  Business response

  08/01/2022

  Response letter is attached.

  Have a great day.

  Customer response

  08/02/2022

  
  Complaint: ********
  
  I am rejecting this response because:
  I can't see what their response to the complaint is on the sheet that was sent to me. I attached a copy.

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

• Initial Complaint

  07/12/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have a no fee checking account with Park Community. Unknown to me, Park began charging fees to my account and draining the balance. I received no notice from Park by phone, email, or mail that fees were being charged. I did not agree to the fees and expect the funds to be returned.

  

  Business response

  07/22/2022

  Response letter is attached. Have a great day.

  Thank you sharing the complainant information regarding the above referenced case number. Park Community Credit Union strives to provide excellent member service and works extremely hard to minimize any hardships to our members.  We certainly understand Mr. ******** frustration of having fees on his membership account.

  Park Community Credit Union has attempted several times to contact Mr. ****** to help address his concerns with the fees, however he has not returned the calls. Mr. ****** is correct that there are no monthly service fees for a HiChecking account. The fees that Mr. ****** has incurred are dormant account fees.  An account is considered dormant if there is no activity for 12 months and the balance is less than $1,000 in combined shares. Mr. ******** account met these criteria.  Dormant account requirements and fees are disclosed to the member at account opening.  Park Community Credit Union mailed two notices to Mr. ****** regarding his account dormancy.  On July 31, 2021, a “Risk of Dormancy” letter was mailed to the address on file informing Mr. ****** that action was needed in order to prevent his account from going dormant and receiving fees.  On August 31, 2021, a second  letter was mailed  advising Mr. ****** his account had fallen into dormancy status and fees would be assessed. Mr. ****** also received account statements each month that showed the dormancy fees on his account starting at the end of August 2021 and made no contact with Park.  
  
  If Mr. ****** has any other questions or concerns, we will be happy to discuss with him.  Please let us know if you need any additional information.
  
  Sincerely,

  Customer response

  07/25/2022

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I have received no letters indicating that account dormancy fees were being charged to my account. Park Community has provided no proof that such fees were communicated to me. It is my request that Park refund the fees and close my account.
  
  Regards,
  
  ***** ******

• Initial Complaint

  05/11/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I purchased a car for 11000 park had a lein on the car til the loan was PIF. Park community federal has done nothing but tax me with repo fees then things like when I had full coverage they taxed me more with insurance fees. I tried several times to resolve this matter and didn't get anything resolved can u please help I want others to know how the are enclosed is from the bank.Thanks again ******* *******

  

  Business response

  05/24/2022

  See attached response letter.

  thank you

  Customer response

  05/29/2022

  
  Complaint: ********
  
  I am rejecting this response because:
    This is not accurate whatsoever. See attached file. 

  #1 i have supplied sufficient documentation on letterhead showing proof of my full coverage insurance along with park listed as leinholder on said vehicle on numerous times. Notice the dates that insurance is added is only after the car was totalled in a wreck. The car NOT repossessed 2 times but t hey have the audacity to charge 500$ for a repression cancelation fee. Even though it wasn't repossessed.  

  Park made the savings account negative on their part by telling not to pay the repo company a dime I wS to pay park in a lump sum totalling 2000$ in CASH  only as stated by Martha in the loan department.  No other forms of that payment was or would be excepted including fl coverage along with 2 extra months worth of car payments.

  The 1 month I did fall behind park took it upon themselves to pay my car loN ou t of my Christmas club funds which was empty for  Christmas time. 

  I messaged Martha weekly so I was always I contact with the loan provider.

  the last issue i want to address is in February of this year i went i to park with 890$ to be told I need to pay more then i owed I refused to pay a cancelation fee 500$ along with paying my insurance more the monthly.  As in the files I sent u ca see their contradictions numerous times.
  Sincerely 

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

  

  Business response

  06/14/2022

  Please see attached response. 

• Initial Complaint

  01/08/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Beginning on or around November 24, I filed a handful of disputes with my bank, Park Community Credit Union, for debit card transactions (withdrawals) I had not authorized. When this series of disputes dragged on for over 10 days, and I still had not received credit for charges I did NOT authorize, I contacted PCCU requesting they please apply the credits I was entitled to. Since that date, PCCU has made a practice of issuing me credit in the amount of $200-$400 then just a few CALENDAR days later, yanking the money back OUT of my account with no notice, no warning, and without any reason given. On or about 12/21/21, I spoke with ****** ********, who told me everything was now "sorted out." She changed my bank debit card number, issued my credits, and told me I should now not have anymore issues. That was on a Friday. The VERY NEXT Monday, PCCU had once again without notice, warning, or any reason given REVERSED the credits, making my checking account end up at a negative balance. I have repeated emailed, called, and asked this bank to please just give my money back, but to date, they not only ignore my requests for them to do the right thing, they flat-out ignore my emails and won't take my calls. As of 1/8/22, Park Community Credit Union owes me $546.00, despite me sending them one final demand letter on 1/6/22. All I want is the money that is MINE and has always been MINE, then I will close my account and never communicate with them again. But since they refuse to make this right, let alone refund MY MONEY, leaving me penniless in the meantime, I have no choice but to file this complaint.

  

  Business response

  03/10/2022

  Business Response /* (1000, 5, 2022/01/19) */ Thank you sharing the complainant information regarding the above referenced case number. Park Community Credit Union strives to provide excellent member service and works extremely hard to minimize any hardships to our members. We certainly appreciate Ms. ********'s frustration with her debit card disputes. Ms. ******** has filed multiple disputes on her business account with Park. Business accounts are not subject to *** * coverage and attendant obligations regarding provisional credit. Additionally, she has acknowledged to Park that she is utilizing her business account for personal purposes, in violation of Park's account rules for business ********, perhaps because Park has already charged off a loss on Ms. ********'s personal account. Park Community Credit Union has worked diligently with Ms. ******** to resolve her debit card disputes. Since the opening of the business account with Park in August 2021, Ms. ******** has been issued four separate debit cards and filed a total of 20 debit card dispute claims across all four cards. The claims that Ms. ******** has filed with our processing center have all been completed except for one claim of $129.94. All claims received provisional credit upon filing. Based on the conclusion of the customary and independent dispute process, several claims were denied (provisional credit reversed) due to either the merchant having already posted a refund to Ms. ******** or Ms. ******** not providing responses/documentation to the processing center for the claim. Park has gone out of its way to assist Ms. ******** by voluntarily providing courtesy credits on two separate occasions ($136.37 on 12.10.21 and $294.41 on 12.20.21) to her accounts for eight disputes that had been denied because she failed to provide any responses to the processing center. Additionally, on 12.10.21 Park also refunded $288.00 in NSF fees on her account as a courtesy. Park even hand-delivered a debit card replacement to her home, as Ms. ******** stated she was unable to come into a branch. Regarding Ms. ********'s statement that Park is ignoring her emails or not taking her calls, Park denies this assertion as completely false. Park has initiated calls to Ms. ******** and responded to her emails. *ven in the last "demand letter" email from Ms. ********, Park responded to the request. Park denies any wrongdoing with regard to Ms. ******** and her ******** at Park. Despite our efforts to assist Ms. ********, her actions and commentary with Park employees have been abusive and harassing. Ms. ******** has been notified that Park is closing her checking account due to the consistent problems that have been reported of the unauthorized use of her account. Please let us know if you need any additional information.

• Initial Complaint

  07/06/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I purchased 2 pair of boots on line from a company called ************** in the amount of 55.26 with **** card ending in **** issued by Park Community Federal Credit Union. I was never notified of shipping which website said I would be within 5-7 days so I notified cardholder services, after several attempts to email website and emails were returned as undeliverable. Gave the gentleman on the phone all the information and he said if any other information was needed I would receive a letter in the mail.... Twenty days later I received a letter asking for the exact same information I had already given. Also stating I only had 7 days to respond either by fax or mail a letter. I have no fax machine so I hand wrote a letter and mailed in via United States Postal Service. On June 18 I received a letter stating my dead line was approaching and they had no response from me, I immediately called the number on the letter, spoke to a lady who assured me someone would contact me.

  

  Business response

  07/13/2021

  July 13, 2021
  
  
  RE:  **** ******* Complaint ID: ********
  
  
  Dear Conciliation Department and Mr. *******:
  
  Thank you sharing the complaint regarding the above referenced case number.  Park Community Credit Union strives to provide excellent member service and works extremely hard to minimize any errors or hardships to members. We certainly appreciate Mr. *******’s concern regarding his credit card dispute.
  
  We talked with our card processor to ensure they have the correct information to process his dispute. His account will be credited for $55.26.
  
  We reached out to Mr. ******* to let him know his **** dispute claim has been processed. If he has any other questions or concerns, we will be happy to contact him. 
  
  Please let us know if you need any additional information.
  
  Sincerely,
  

  **** ******

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

*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. ↩