ComplaintsforSharefax Credit Union Inc.

• Initial Complaint

  03/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  This is in regards to a **** ***** ********* ****. On March 20, 2024 I was told by Pat W******* from ShareFax that he would be speaking with their attorney in regards to "if" they can complete the consumer credit transaction. On March 21, 2024 I received a voice mail from Pat stating that the attorney has advised and confirmed to not proceed with the transaction because it "puts them at an undue risk". He or the attorney referred to me as a "sovereign state citizen" within this approach to contract and stated the vehicle would potentially not be paid for. There is nothing on my credit or any profile of me performing in this predetermined point of view. As a declared Moor/Muur/Moorish/Moroccan/Al Moroc American I am not a "United States Citizen". We are all state citizens inevitably, but this was directed to be derogatory. Treaties and Resolution 75 clearly expresses my rights, which are publicly declared on record. Reserving my right to contract without prejudice has been denied and they are expressing extreme prejudice against me. My credit score and history, along with my public profile that would qualify "good faith" in the approval for the extension of my credit was already established. I have made all of my payments on time whenever I have had the extension of my credit approved. The salesman handling the consumer credit transaction was aware from the beginning, as was every bank, of my signature as it appears on my ID and all documents that require signature. There was no disclosure that this could even occur, nor was I aware of this possibility. I have not been given any lawful reasoning as to how this is not a breach of contract. Now my credit has hard inquires adversely against my profile. ShareFax and their attorney are in violation of Consumer Credit laws, which they adhere to. They are not being fair, although I have only been presenting myself upright in good faith. I should not be forced to change my license or my signature. I have recordings also.

  Customer response

  03/21/2024

  My credit has been adversely changed due to this. The vehicle is worth $27,080.00. I was approved for that amount, which I am due. 

• Initial Complaint

  04/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In June of 2022, I missed a car payment. I was unaware I missed the payment. From then until last month, I was charged a late chargge of $53.25 once each month because of that one payment I missed. I did not receive any notification from the company that I needed to make that payment to stop receiving late charges. It seems highly inappropriate to be receiving a late charge for the same issue for almost a year. Also I didn't see the late charge until I went to look at past invoices. I see invoices every three months, so if i did go look I wouldn't have even seen the charge until 3 months later.

  Business response

  05/02/2023

  Sharefax Credit Union gives our members a ten (10) day grace period on all consumer loans prior to assessing a late fee. After the tenth (10th) day, a late notice is automatically produced and sent to the address we have on file.

  For accounts with no electronic transactions on depository accounts, a statement is sent quarterly (for those members with a checking account or electronic transactions, a statement is sent monthly).

  The credit union also has online banking services and a mobile app that allows our members to view their accounts 24/7.

  Had *** ******** account proceeded to a more severe state of delinquency, she would have been contacted by someone in our collection department. The credit union's policy on late fees is disclosed in the promissory note that *** ****** signed when she purchased the vehicle.

  *** ****** also had her payment set up to be electronically withdrawn from her primary institution on a monthly basis, which would have offered her another opportunity to notice the missed payment.

  We believe the products, procedures and services offered by Sharefax Credit Union allow ample opportunities to discover and rectify any missed payments in a timely manner, thus minimizing the effects of a missed payment with prompt action.

  As side note, we did waive a late fee for *** ****** in April of 2023.

  Customer response

  05/08/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  I only received one late fee notice in April 2023.  I did not receive late fee notices for every month I was charged a late fee.  I should not have been penalized for 9 months totaling $479.25 for one missed payment that I was not appropriately notified of.
  
  Regards,
  
  **** ******
  

• Initial Complaint

  02/01/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I keep getting emails about a statement being ready online, but I can’t login to the account. When I went to talk to them about getting it turned off as I don’t have an account with them they told me I owed over 200 dollars and that is why. I still can’t log in to the account they, can’t tell me why I owe the money, and the only way for me to pay is to go to a branch. The account was closed when there was a positive amount and no bills should have came from it. I can’t even get an account number

  Business response

  02/01/2023

   

  This account was charged-off in June 2018 due to a negative checking account.  A Sprint bill payment took the account negative. If additional information is required, she can contact ******* ******** at ************ for more details.

  Business response

  02/16/2023

   

  According to her monthly statements, the account was still open after the account went negative due to the Sprint charge.  In fact, there was a credit and a deposit made to her account in May, the month following the Sprint charge (see attached).

  Sharefax has no more information to provide this member.  I suggest that she contact Sprint concerning the ACH charge in order to clarify the billing status of her account with Sprint as of April 2018.  Hopefully, she can resolve this matter with them.

  Customer response

  02/17/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ** ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.

  
  

  I had requested the account to be closed, was told it was and those look to be direct deposits which also should not have been processed so that money was taken also! I had closed it due to changing banks
  
  Regards,
  
  ******** *******
  

• Initial Complaint

  01/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I overpaid a company I was financing my car through after doing a refinance and I was first told I didn’t over pay and I wasn’t owed anything.I was then told the account was over paid and I was owed 35$ open further research I discovered it was 94.It took them over 2 years to send the 69 dollar check and now it’s been close to 6 months to receive the remaining 25$ check.I’ve been speak with Joy Whittle and she keeps dropping the ball.I just want the remainder that is owed to me so I can be done.

  Business response

  01/13/2023

   

  Sharefax sent the member two checks one was for $69.30, which cleared on October 17th, and the other amount was for $25.00.  Both checks were mailed to her on 10/13/2022 with copies of her bank statements. This was the same date that we were notified of her issue (please see the attached email).  The member contacted Sharefax later and stated that she never received her $25.00 check.  At that point, a stop payment was placed, and another check was reissued on 12/21/2022 and mailed to her on that date.  If she has misplaced the $25 check or did not receive it, please contact the credit union.  We would be happy to reissue a third check if it has not cleared.  If there has been a change of address or she is having problems with mail delivery, I would suggest stopping at one of our six offices. 

  Hopefully, this will resolve the issue. 

  
  

  Customer response

  01/13/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, reasons for rejection are included below.
  
  Regards,
  
  ******* *****
  

  Business response

  01/17/2023

  I did not see her reasons why our response did not satisfy her complaint.  Please refer me to her reasons so I can respond.  

  Customer response

  01/17/2023

  Sharefax sent me a cancelled check that was dated 10/14/2022 they haven’t sent any other checks.Joy blatantly lied and was adamant I signed something saying I didn’t get the cancelled check.She then proceeded to finally send the cancelled check. people 

  Business response

  01/18/2023

   

  Check #****** for $25 was sent to the member on 10/14/2022.  The member called on 12/21/2022 to state that the check was not received so a stop payment was placed and a replacement check #317211 was sent on the same day.  The accounting department has been asked to investigate if the second check had cleared. It appears that it has not so another stop payment will be placed on this check.  The $25 will be deposited into her account.  Since there apparently is a problem with the mail or we have not been notified of a change in her address, the member will need to visit a branch or shared branching location to withdraw the funds.  

• Initial Complaint

  11/26/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am filing this complaint because I continue to have problems with Sharefax Credit Union IT department. Sharefax overall has been very good to me regarding good customer service. However, they continue to have problems with their website and customer account login. For me, it has been an ongoing concern and they do not seem to correct the issue. They continue to place blame on my browser, but I have researched and contacted my provider and that is not the problem as I can log into other applications. I want this resolved please.

  Business response

  11/29/2021

  The member had a pop-up blocker that obviously she wasn’t aware of.  Once removed, she was able to access the app.  The problem has been resolved.

   

• Initial Complaint

  10/19/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I refinanced my car loan through them, they told me I would get a better rate and a cheap monthly payment as it was less than I orginally bought the car because it was a refinance after getting my loan switched over I realzied the loan officer had without acknowledging me had signed me up for a coverage loan that added to 2k or more to my loan and my monthly payments when addressed the "credit union" fixed my loan but was not able to show the difference in my monthly payments. They told me I would have a lower intrest rate and my rate was the same as my original loan then one they talked me into refinancing and my payments have never budged. I also have to pay a 2$ just to pay my loan. I'm so dissatisfied with this what they wanna call financial institution as they are not looking out for the best options for their customers yet just a way to get your money. I hate them and wish i never switched over from wright patt.

  Business response

  11/15/2021

  The member refinanced a loan rate of 10.59% from another financial institution to a Sharefax loan at 3.50%.  Her payment decreased to $320.78 per month for a term of 48 months, which is less than her remaining term of 50 months.  The member also elected to have enhanced life insurance added to her loan balance  monthly and paid a total of $153.51 before she canceled the insurance.  The problem began when we were notified by the insurance tracking company that the member did not show record of auto insurance and collateral protection insurance was added to her loan per her loan agreement. This resulted in an increase her her loan payment.

  Once she realized the situation, she produced auto insurance coverage and a partial refund was applied to the principal balance for the period covered.  She has since provided evidence of coverage for the full period and the remaining insurance will be refunded to her loan and her payment reverted to the original amount this month.  Hopefully, this clarifies the confusion over the collateral protection insurance and the adjustment in her payment.

  The $2 charge is for payments made through an online portal.  

*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. ↩