ComplaintsforRio Grande Credit Union

• Initial Complaint

  02/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was recommended Rio Grande Credit Union by family. I started an account a few months now. I have online banking and ive been seeing double charges. I'm working on getting a new vehicle. They said this is a great bank. So I've had this bank for the last few months. I've been noticing on online banking that if I use a certain amount of funds it takes twice the amount then a week or so later it credits it back into my account. So last month and this month they have done repeated overdraft on me just to put money back into my account a week later for the hold on funds. After I'm forced to pay overdrafts fees. This is the second month and it's been a disaster of a bank. I called and reported this. I get " that's so weird " " I'll note your account " then I asked to get an inquiry into my account and get a reverse on all the overdraft fees she said that's impossible we are very strict and will not but I'll send this out. Just to have another hit on my bank double charging again 3 hrs after I reported it. Horrible nightmare banking with them. I'm constantly checking my account to see how much money they took now. It should be like this. The amount today alone is more then 50 not including last month.

  Business response

  02/21/2024

  Due to privacy, Rio Grande Credit Union cannot divulge personal member information to third parties not on the account and/or loan. We have responded directly to Mrs. ********** and are actively working with her regarding her complaint.
  

  Customer response

  02/23/2024

  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.
  
  Regards,
  
  ******** *********

• Initial Complaint

  10/06/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am filing this complaint cause I became a member of Rio grande Credit union in February of 2023 while I was living in ABQ. I moved back to NY as my job transferred me back and I was trying to make a payment of my account at a shared branch in New York and the credit union told me my account was blocked. I called and spoke to someone at the credit union at Rio Grande Credit Union and while I did not have my member number, I gave therm my social and they told me they were not able to pull up an account. They searched with my name and the account was found but I was advised to go into a branch, but being that I am not living in ABQ anymore that is not possible. I have asked them to make sure my correct social security number is on file but have been unsuccessful.

  Business response

  10/10/2023

  Hello,

  Due to the privacy regulations we are unable to address here, please advise member to contact us and we will be reaching out to him.

  Thank you, ***** ********

   

   

• Initial Complaint

  12/13/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Resolved

  More info

  I received an unsolicited advertisement from the company. When I called to ask to be removed from their mailing list, the representative said that I had to be a member to be removed. I found that to be absurd because the advertisement was to try to get me to be a member. Essentially they are saying the only way to stop receiving unwanted mail from them is to give in and join.

  Business response

  12/23/2022

  ***** **********
  Thank you for bringing this to our attention. Please rest assured we have opted you out of any future mailings. We respect your wishes to not receive any further mailings from us. We apologize for any miscommunication you may have received and will ensure our team members are educated on our opt-out process.

  Customer response

  12/23/2022

  TY

• Initial Complaint

  07/19/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  For the two months I go to the bank to get my money. They trow my loan at me I've tried to pay it but they tell me I can't have any money. I live on this I'm about to lose my place. I don't understand why they even took it out they say I have to wait twenty four hours. Still then I don't get nothing. I live on this I will lose everything. My home, my utilities will be turned off.

  Business response

  07/19/2022

  We have reviewed the member's situation and have sent it to two additional departments to determine what action will assist the member. We will contact the member by phone. Due to privacy requirements we are not able to provide a specific response.

• Initial Complaint

  06/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Rio grande credit union is a complete and utter joke along with their employees and upper management. Just terrible. I have an auto loan with them only ( would never ever even think of banking with them ) and I deposited 1k dollars into atm ******** at 3:26pm mountain standard time on 6/18/2022 And the atm stated “we encountered a problem and cannot return your cash” ( have the receipt matching that ) also took a picture as well. The atm kept my thousand dollars and did not deposit them into my account. I spoke today with a mikayla m**** and her supervisor ( can’t remember her name) and she is not suited for her position as a supervisor as she has no customer service skills, lacks empathy, did not solve the problem, nor tried to help. I need this resolved asap. I know 1k may not be a lot of money to some people, but it is to me and I need this rectified immediately.

  Business response

  06/23/2022

  Good Afternoon - A dispute was done on this transaction and provisional credit was given on 6/21/2022. That money was then used by the member to conduct a transaction. The member was made whole on 6/21/2022. Thank you.

• Initial Complaint

  06/14/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I opened a new account with Rio Grande Credit Union around May 8, 2022. My credit score was 752 and I applied for a credit card as well to continue to build credit. My plan is to buy a new car and I wanted to make sure my credit stayed excellent. I waited a couple of weeks and had received no card. I called and they told me someone had forgot to order the card and that they would take care of it. On May 28th I received my physical card and used it for one day for small purchases. The next day my card was being declined so I called member services and they said I was 30 days delinquent. I explained the situation that I had not even had the card for 2 days so I could not be delinquent. The person at Rio Grande Credit Union assured me that this would be corrected and that my card was ready to be used and it would not affect my credit. A week later I checked my credit score and it had dropped from 756 to about 511. I saw that Rio Grande Credit Union had falsely reported I was 120-149 days late on my payment for my card! I immediately did a dispute online with Transunion. On 06/14/2022 I went into the bank and spoke with a supervisor about the situation and they told me it was out of their control and that I could only file the dispute. On top of this I have been given 4 different interest rates for my credit card with no one able to give me a correct answer. I have called and been transferred to about 10 different people who advised me that they cannot help me and that their was no supervisor able to help me. I went to the mail on 06/14/2022 and received a letter from Rio Grande Credit Union advising that I am 44,000 days late on my payment! I called again and reported the false information and no one could assist me and I was hung up on. I am beyond frustrated and this is a nightmare of a bank. I need help restoring my credit for this incompetent bank fraudulently reporting false information.

  Business response

  06/27/2022

  Hello. Due to the private nature of the information required to resolve this issue, we have contacted this individual with the steps that we have taken to solve this issue. Thank you.

• Initial Complaint

  02/21/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  8/23/2020 2014 Ford Focus financed loan amount $10692.23 purchased cap insurance for $510.00 total $11,202.23. Joint Death Protection was purchased on loan Vehicle was totaled 10/3/2021 Progressive insurance paid Rio Grande $8,011.74 After several months Rio Grande claims no cap insurance and no death protection on loan. My husband main borrower passed away 12/27/2021 and according to Rio Grande there is an outstanding balance $475.41. I don't understand why. I continue to get late payment notices and that my son's credit will be affected since he is a joint borrower.

  Business response

  03/16/2022

  March 14, 2022

  
  Better Business Bureau
  Complaint ID #********

  
  Due to privacy, Rio Grande Credit Union cannot divulge personal member information to third parties not on the account and/or loan. We encourage our member to contact us directly so we may review the account. We also appreciate Mrs. ***** encouraging our member to contact us directly as well.
  Sincerely,
  
  Tia S*****
  VP, Consumer Lending

• Initial Complaint

  02/07/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have a loan at this bank, and after multiple issues that I've had with the bank, came so very unsettling news. I was given false information about my loan. so I finally got fed up with the not answering and the never getting answers to my questions, i chose to change my loan to a different bank. In the processes of doing this i have found out that Rio Grande credit union not only didn't inform me that my loan officer no longer works there, but they cannot find the title to my vehicle that I have proof that it is in their possession. My supposed loan officer put the loan under a vehicle that is not the vehicle the loan should be under, nor do I know where she got the information for the vehicle she put the loan under. She also ran another credit check on me without my knowledge or approval, and there's nothing I can do to get that back. And to top it off they are trying to tell me that it is my responsibility to get a new title for them loosing the title, and only offering to credit me $5 to get a new one. This is in no way my fault that they lost my title to my vehicle. And they need to be apprehended for loosing legal documents and that has not been put in a proper secure area, and for the loan officer putting false information under my loan that was never given to her by me.

  Business response

  03/16/2022

  March 14, 2022

  
  Better Business Bureau
  Complaint ID #********

  
  Due to privacy, Rio Grande Credit Union cannot divulge personal member information to third parties not on the account and/or loan. We have responded directly to Mr. ****** regarding his statement and encourage him to contact the Credit Union directly. We have previously provided him with a resolution.  
  Sincerely,
  
  Tia S*****
  VP, Consumer Lending

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