ComplaintsforSummit Credit Union

• Initial Complaint

  05/16/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have a court order appointing my firm guardian of a member. The member unexpectedly passed away on 3/8/2024. Summit is refusing to give me the balance of his account the date of passing. I would not have known to request this information needed to report to the court prior to his death because i didn't know he was going to die. I was his guardian until the second he passed and they are REFUSING to give me the balance on his account when i was still the guardian before his passing so i can do my court duty and finalize his accounting to the court. Summit member number *********. I am not requesting any information outside of my guardianship. I am ordered by the court to provide a final accounting and if i need to utilize an attorney to get what we need i want to get refunded the attorney fees.

  

  Business response

  05/20/2024

  The person filing this complaint has the wrong Summit Credit Union. We are a ************** based credit union named Summit Credit Union. They are trying to file a complaint on the much larger Wisconsin based Summit Credit Union. We are not in any way affiliated with this Wisconsin based Summit Credit Union. 

• Initial Complaint

  02/14/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I found out on February 10, that I had not been issued a new credit card from my banking institution summit credit union. I was going to use my credit card to rent a car on Saturday for my birthday. I needed a credit card. I called my financial institution yesterday to find out why I didn’t get issued a new credit card because my old credit card expired January 2024. I spoke to Deana who said that they would issue out a new credit card. Later on that day I ended up getting a voicemail stating that there was a reason why I didn’t get issued a new credit card. I texted Summit credit union to ask what was going on. They texted me back and told me that Diana called me to let me know what was going on. I just spoke to Diana and she told me that the reason why I didn’t get issued a new credit card is because they found a fraud. She told me it was some abbreviated business or corporation that started with a G but I told her that doesn’t sound like anything familiar. I asked her why did it take so long to get in contact with me and she couldn’t explain. I would like to be notified as to why I was not notified or continued to be notified earlier about a fraud on my account back in October 2023. I am questioning why it took them four months to reach out to me as to why there was a fraud on my account. She said they try to reach me one time but I don’t see a call or a voicemail on my phone or an email. I think that is unacceptable is a loyal summit credit union customer I should’ve been contacted more I need some answers to my questions why I stayed on hold with to speak to the fraud department but I ended up hanging up . I need answers.

  

  Business response

  02/14/2024

  Ms. ****** called our office and spoke with a Call Center Representative in regards to her Credit Card not accepting a charge. The Representative researched the issue and found out a we would have to order a new card because her existing card had a fraud charge attempted back in October. Our records show that a text message and email was sent to the phone number and email address on file at the time. The Representative called Ms. ****** back and left a voicemail message sharing what she had learned and that a new card would need to be ordered. Ms. ****** apparently received the voicemail after hours and texted in inquiring about the message.  The Representative called Ms. ****** back in the morning and shared with her that her existing card was blocked on 10/27/2023 due to a fraud alert. Ms. ****** was concerned that she only received one notification in October about the alert. She stated that she should have received multiple notifications and a letter. The Representative attempted to escalate the call, but Ms. ****** ended the call before the transfer was made. Ms. ****** then texted our office to let us know that she had reported us to the BBB. A Call Center Manager called Ms. ****** immediately upon receiving notification of the text and explained to her the process and that we could expedite a replacement card. Ms ****** shared that she did not want a card expedited and ended the call.
  

  Customer response

  02/14/2024

   I am rejecting this response because:
  I spoke to someone from them Summit credit Union this afternoon stating that I was sent an email and and text noted why my card was blocked and why I different receive a new card.  She explained in great detail. What happened, and why I never get issued a new card. She did apologize for what happened.  

  While I was on the phone with a representative, I had to search my text messages under “fraud” and found that I received a text message on October 27, 2023.  I never read the message and I’m attaching the text message I received this response.  I also did the same with my emails and never received that as well. Therefore, I had no knowledge that my card I’ve been fraudulently used. As well as never receiving any other notification other than that one text on October 27, 2023 at 8:59 in the morning. Initially, I wanted my credit card to be expeditiously sent to me because I wanted to use it to rent a rental car. I was texted yesterday afternoon that there was a reason why my credit card had not been sent to me, and that I should call the credit union back. I was under the assumption that maybe I didn’t pay the balance, or that they had my address wrong. But now that I am finding out what happened and that I was not aware that my card was fraudulently used, I am very displeased.  Even though there was an apology given, I am still not very happy about how I was notified and that there was never any follow up regarding my credit card from the credit union or fraud services.

  
  

• Initial Complaint

  09/18/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My account at this Summit Union had a credit breach. I found out my daughter account theater I am not authorized on was given my info & hers vice versa. After speaking to them two times I was told this would be corrected. My daughter was then making calls to rectify problem. After speaking with a Lucy that called my home phone, I was told my account would be corrected. The workers at this company are incompetent and do not do what they say. I am fed up. I talked to a Makayla on phone with me today and I told her I never set up a verbal password. She was more interested in asking me do I want the proper spelling of her name. This company I have written a google review on them when this issue happened. I submitted an Online review for *********** *** ** ***** ******** that is local in my city.

  

  Business response

  09/18/2023

  Hello, this is Sam W*********.  I am the CEO of Summit Credit Union.  Very sorry to hear that you are having a problem with our call center.  I am glad to work with you directly.  Please feel free to call me on my mobile number at ************ to discuss.  I tried to call the number listed on the BBB complaint, but it seemed to be a disconnected number.  Thank you.  

• Initial Complaint

  12/20/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a notice that I have a collection from SUMMIT CREDIT UNION on my credit report. It says it was opened on July 28 2014 for $500 with account number starting in ******XXXXX that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA. I would like for this collection to be removed asap or I will file a CFPB and FTC report.

  

  Business response

  12/20/2022

  We stand behind the reporting. We have spoken this member on phone number ************, not the one listed on the dispute as ************* The email address that she listed on the dispute is the one in our system. The address is different. After skip tracing, the *** ******* ******** ** it is a new address effective September 2022. The member has not updated this address with us. We have a copy of the signed loan document from 2014 with her wet signature on it. As far as we can tell, we have not reported anything derogatory to any credit bureau as it pertains to this loan. Please let us know if you need additional information. We have our contact notes regarding several contacts we have made with this member.

• Initial Complaint

  07/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I checked my credit report and noticed I had late payments from SUMMIT CREDIT UNION . At the time, I was transitioning between jobs and going through an economic hardship. As you can see, I have made most of my payments on time so I am asking in goodwill faith for this one time to please remove these late payments from my account. I am trying to increase my score to qualify for a mortgage and I would greatly appreciate if you guys would forgive the late payments.

  

  Business response

  07/21/2022

  Summit CU is unable to arbitrarily remove credit history from a credit report simply upon request. Ethical and contractual responsibilities do not allow this.  We hope you understand.

• Initial Complaint

  07/17/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had line of credit with this institution for 9 years. I endured 6 month layoff per covid and experienced major set back.But God is great, problems are temporary. My loan got charged off at $1001.54 and account closed over year ago. One Year later on July 8th, I took check for $1003 to reconcile and payoff. However,... Although the credit report shows $1001.54, the credit union statement shows $1001.54.They would not accept me paying charged off balance and actual balance as payoff.. They added newly applied interest even though account was closed over year ago and I'm not a member. In spite of hardship with economy, inflation,covid, layoff, I made it a point and showed character to pay my debt IN FULL WITH NO SETTLEMENT. They showed no character no class and unjustly added interest to an account that was already closed and charged off a year prior. It seemed personally to them to be difficult which is opposite of credit union mission statement especially considering the many who run from debt, and try to do settlement. I paid balance in full. Thier agents over phone advised $1001.54 but strangely when I went to branch, fee's were added to a charged off account. Many people leave their account in negative Especially recovering from 6 month layoff. I did right thing and was handled rudely, disrespectful, and with no regard. I ADVISE anyone in Greensboro or any part of North Carolina NOT TO deal with this credit union. Their service, accountability, professionalism is horrible. There communication is disjointed and they don't care about their members past or present. Kate in collections seemed she personally wanted to be difficult. If looking for a new bank, ********* ***** ********* are great credit unions.

  

  Business response

  07/18/2022

  The principal balance on the loan when it was charged off on 7/27/2021 was $1,001.54. I have also included a copy of the Line of Credit Agreement and Disclosure that Mr. ******* signed on 6/4/2013. Interest will continue to accrue at 15.95% until the balance is paid in full (see page 2). When a payment is received, interest is always applied first, and when interest is satisfied, the rest of the payment will be applied to principal. Mr. ******* did not pay the balance in full, so on his credit report, we will report his
  new principal balance of $187.65. Interest will continue to accrue until it is paid in full. See the below conversations between the Collections staff and Gary *******. Mr. ******* also called our Collection Agency ********* on 7/8/2022 before coming to the branch to ask for a settlement and they sent the request to us. We denied the request through ********* as well. The payment of $1,003.00 that Mr. ******* paid was applied to his account at 12:59pm on 7/8/2022, after his conversations with the Collections staff.

  Kristen B******* | VP of Collections and Asset Recovery

  Summit Credit Union | 8210 West Market Street, Greensboro, NC 27409

  Office: 336-662-6285 | Fax: 336-662-6104

  Customer response

  07/18/2022

   I am rejecting this response because:
  She clearly stated in first sentence I paid principal balance. They charged loan off,.closed account and I haven't been a member for over a year. I've done my part and paid principal balance that was charged off year ago and balance reported to credit bureau.  They agree with me in saying they continued adding interest to closed account. COVID was a national pandemic that changed many things since 2013. There's many unpaid debts they still have from members very recent, I showed class and paid mine. 

  Thanks 
  

  
  
  

• Initial Complaint

  05/01/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The account that I have with Summit Credit Union has violated my consumer rights under the Fair Credit Reporting Act. My late payments are supposed to be private. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions. 15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt—

  

  Business response

  05/02/2022

  The statutory codes referenced appear to be directed to credit reporting agencies, and are not related to the operations of Summit Credit Union.  If Summit Credit Union has reported something in error on your credit report please let us know the specific details of that error and we will seek to resolve the issue immediately.  

• Initial Complaint

  08/27/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I received my bank statement with several charges too a cash app I never have had cash app service explained this too my bank whom ever made these with draws from my account it was over 600 dollars taken from my account I was not using my card I couldn't find it and the lady at the bank said I didn't have a active card during these charges so how were someone able too take money from my account I been this bank along time they should been able too taken care of this matter I can't read too good my girlfriend had just had eye surgery they wouldn't even help her fill out the paper work there was about 6 cash app back to back for 100,00 and more 2 charges I didn't even file I very upset they think I'm just gonna let my hard earn money go.

  

  Business response

  08/30/2021

  The Cardholder disputed a $100 transaction on July 13 as fraud on his debit card.  The cardholder did a transaction with *********** on 7/13/2021 for $19.99 that caused the checking account to be overdrawn.  The disputed $100 transaction was actually an overdraft transfer from his savings account to his checking account, not a debit card transaction.  If a member of the Credit Union signs up for overdraft protection with Summit Credit Union, we will, with our a fee charged, transfer funds to cover the overdraft, in increments of $100, from a savings account designated by the member to their checking account. 
  
  The Cardholder disputed a second $100 transaction on July 31, 2021 as fraud on a different debit card.  The cardholder did a transaction with ******** for $32.01 and it also took his checking negative.  This created a second $100 overdraft transfer from his savings account to his checking account, not a debit card transaction.
  
  In total, the Cardholder disputed three Cash App transactions in the amounts of $75.00 each and one Cash App traction in the amount of $100, $325 in total, as fraud.  These four transactions totaling $325 was returned to the cardholder as a provisional credit to his checking account on August 24, 2021.  He also disputed the two $100 overdraft transfer transactions.  These transfers were not fraud, but rather an overdraft transfer from his savings account to his checking account.  Despite our attempt to explain this to the Cardholder, he was not able to understand the difference between the Cash App transaction and the overdraft transfer.

*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. ↩