ComplaintsforRally Credit Union

• Initial Complaint

  02/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On or about July 2023, my wife, *******************, purchased a vehicle from ******************* motors in ******** **. As part of the purchase agreement, ******************* selected Rally Credit Union as the bank to service her auto loan. My wife was NOT given any choice in this matter, nor was she told which bank was chosen until the time the agreement was going to be signed. As a result, she felt that she had no choice but to use Rally Credit Union as her loan servicer. Unfortunately, her experience with Rally has been terrible, at best. 3 months into her agreement, a payment was missed due to circumstances beyond her control. Attempts were made to try and avoid this missed payment, but Rally refused to help and simply ignored her. Now because of that missed payment Rally has started a relentless campaign of harassment against her. This included multiple daily harassing phone calls, and letters. As an example, in one of their latest phone calls, Rally reprimanded my wife because she did not pay their late fee, even though she did pay the full payment due. I would like to note that on Rally's online payment page, late fees ARE NOT shown or indicated anywhere. In addition, no late fees are reflected in the "amount due" that is shown on the page. As a result, I am formally asking that Rally cease and desist harassing my wife. If they want to work with her to resolve the issue, we are willing to work with them.

  Business response

  02/27/2024

  **************** - 

  I have forwarded your complaint to the Collections team to assist.

  Please let me know if you have any further issues.

  Sincerely,

  ***********************, *************** Officer

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

  Customer response

  02/28/2024

  Complaint: 21351659
  
  I am rejecting this response because: I am still waiting for the collection team to contact me, as noted by *************** in her response.

  
  Regards,
  
  *************************

  Business response

  03/01/2024

  **************** - 

  *************************, Director of Collections, informed me that he has left three voicemail messages for you on 2/27,2/28 and today.  Maybe it would be easier if you called him directly.

  His contact information is - 

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

  Thank you.

  ***********************, CMO

• Initial Complaint

  02/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On January 29,2024 my friend (*****************************) and I (***************************) went to deposit Mr. ********* check into my account because he couldnt get it cashed. So i signed under his name and the check of $2,488.00 was now in my account. The teller told us it would clear in about 2 to 3 business days. The date it was supposed to clear was on the receipt and it "cleared" on the date of recipt. So after I take all the money out of my account and give it to ******, later that day my bank account read -$2,488.00. so I go to the bank and ask them how this has happened. They then tell me the check was altered and fictitious. And the teller tells me that I'm going to have to pay all that money back when I didn't see a red *****. Not none of that cash i got. Why should I have to pay it back? And my question is this why did the check clear if it wasn't cleared? That is a mishap on the bank not myself. They should have went through all their security measures in order to clear that check and now I'm stuck with a debt? That's not happening I will close my account. Is there any way I can get this resolved to where I don't have to close my account but I do need help with it.

  Business response

  02/02/2024

  **************,

  Rally has received your complaint posted to the BBB -Central ***** website. At this time, we are gathering information regarding your complaint so that we can better assist you.  We will contact you at the number we have on file.  I am sorry for your inconvenience.  

  Sincerely,

  ***********************, CMO

• Initial Complaint

  10/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not reliable for this debt with Rally Credit Union. I do not have a contract with Rally Crredit Union, they did not provide me with the original contract as I requested.

  Business response

  10/11/2023

  ****************** - 

  We have received your complaint and forwarded to the appropriate person to handle.  Please let me know if you need further assistance.

  Thank you.

  ***********************, CMO
  

  Customer response

  10/11/2023

  Complaint: 20697228
  
  I am rejecting this response because: In accordance to the Fair Credit Reporting Act Rally Credit Union has violated my rights. 
  15 U.S.C **** section 602 A. States I have the rights to privacy. 
  15 U.S.C **** section 604 A. It also states a consumer reporting agency cannot furnish an account without my written instructions.
  Regards,
  
  *********************************

  Business response

  10/11/2023

  ****************** - I have forwarded your rejection to my team for resolution.  Someone will be contacting you.

  Thank you.

  ***********************, CMO

• Initial Complaint

  11/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In August of this year (2022) my husband and I applied for a land loan and were assisted by an amazing lady. We were grateful to close on October 13th. And were told our first payment was on December of 2022. However, we both opened our credit to find a new account with a balance of 51k. We even received a latter statement in the main stating we owed 51k principal payment. I called them after making my first payment to find out what was going on because after my first payment the balance went up to 54k. I called and called no one had answers. Finally I got a hold of someone NAMED ******************************* EXT. **** Who said h*** call me back within 2-3 business days. NEVER GOT A CALL.Called back today November 21, 2022 called the same extension **** and was rudely greeted by a *****. Who told me I quote it was reversed due to an error As soon as I heard those words. I asked Why was this error made? Seeing as they have my personal info and social I also inquired as to why was I not informed? This will be recorded to my credit that now I owe more because of this error. ***** answered back by saying youre asking questions youll never get the answers too he than began to argue with me. After asking for a supervisor he stated it was a female named ***** and shell be calling me. NEVER GOT A CALL. ********* do better.

  Business response

  11/28/2022

  **************** - 

  I have received your complaint and have forwarded to the appropriate department.  Please let me know if you do not get a response and/or if you need further assistance.

  My email address is **********************

  Sincerely,

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

  CMO

• Initial Complaint

  06/27/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I am in the process of filing for chapter 7 bankruptcy, and I have a car loan account # ***** ********* CCU that had one last payment of $432.96 when I went in to make the last payment if found that ********* CCU had added $511.75 in attorney fees were added, without any description or detail on 6/9/22 so I asked to be contacted by ****************** who is handling my account at ********* and she told me the charges are related to the **7 agreement. So, I reviewed the agreement at that point and found the charges hidden in the legal verbiage of the agreement related to the ** 7 ********* CCU fully knew that the loan would be complete before the final discharge and there would be no need for an agreement as there would be no loan at that point in time. The fees which were charged are excessive and unnecessary, considering how much was left for me to pay on the loan and is purely taking advantage of my financial hardship. I contacted ****************** and asked if ********* would rescind the agreement and/or charges and my request was declined

• Initial Complaint

  06/06/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This bank has got me into a lot of issues lately ! There trying to *** me and being rude all the time telling me their gonna *** me for the personal reason but they just want the money I dont recommend this bank its the worst they cant even help you out !

• Initial Complaint

  05/19/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  ********* has continuously called and harassed us about our late car payment. Times have been tough and we have fallen behind, but always pay the payment before the next payment is due. Their customer service is horrible and they constantly use scare tactics saying they will repossess our truck or we can voluntarily turn it in. They call us at work and never let us speak to a manager when we ask. We hate to but have considered changing banks. They recently withdrew the majority of my check (with the payment less than 10 days late) forcing me to try and find other means for money to get to work, feed my family and pay other bills. I called and spoke to a lady today and just got the same runaround. Threatened to repo my truck, tried to coerce me into agreeing to pay the remaining balance next week when I asked for assistance. Was again not allowed to speak to a manager. Its been beyond angering and frustrating for myself and my wife. This will be the second time we have reported them to the BBB. We would like an apology from the bank and the customer service employees to possibly take classes on how to better manage a situation like this.

  Business response

  05/31/2022

  **************, 

  NavyArmy has received your complaint.  We have forwarded it to the appropriate team for investigation.  They will contact you directly.

  Thank you.

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

  CMO

• Initial Complaint

  05/06/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On Wednesday, May 4, I went to NavyArmys website to change my personal information- more specifically my address. When I submitted the change, an email was sent to someone NOT on my account that contained all of my personal information. When I contacted the bank, they let me know that they do not know how this happened and could not tell me how they are going to keep my information private in the future.

  Business response

  05/18/2022

  ******************** -

  I passed your complaint and request to be contacted over to our Digital Banking team.  From my understanding, the issue has been resolved.  NavyArmy left a voicemail for ******************** on 5/9/22 and 5/10/22.  If further assistance is needed, please contact NavyArmy as soon as possible.  You can email me and I will forward to the staff assigned to the complaint.

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

  Thank you.

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

  Chief Marketing Officer

  NavyArmy Community Credit Union

• Initial Complaint

  02/18/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had a car loan with NavyArmy CCU. Feb of 2021 the vehicle was in an accident and paid by the insurance company as totaled. At the time of the car loan, NavyArmy sold me GAP protection and stated it would cover everything insurance didn't pay. Unfortunately this was not true and $275 remained owed. But the issue with this, is NavyArmy NEVER told me I owed it. At all. They removed the account from my online account and never called or mailed any letters about the balance owed and instead opted to report this on my credit report. I talked to several managers who admitted this should not have happened and even provided supporting documentation. However, the issue still remains on my credit account. I spoke to a manager again , and they stated even though this is incorrect, there is nothing they can do for my report and I'd have to wait 7 years for it to fall off. My request is for this to be correct, for Feb,Mar,Apr,May and June month reports to show ON-TIME and paid, and the account load status to show "Paid off-Satisfactory". The original way it should have been.

  Business response

  03/01/2022

  ********************,

  
  NavyArmy has received your complaint posted to the BBB - Central ***** website. At this time, we are gathering information regarding your issue. We will respond as soon as possible.

  
  Thank you.

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

  Chief Marketing Officer

  Customer response

  03/01/2022

  Complaint: 16779118
  
  I am rejecting this response because: Still awaiting solution to credit report error. Thank you.
  
  Regards,
  
  *****************************

  Business response

  03/22/2022

  ********************,
  
  Our records indicate that this issue has been resolved.

  Please let us know if you need further assistance.

  Sincerely,

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

  Chief Marketing Officer

   

  Customer response

  06/29/2022

  Complaint: 16779118
  
  I am rejecting this response because:

  I had a car loan with NavyArmy CCU. Feb of 2021 the vehicle was in an accident and paid by the insurance company as totaled. At the time of the car loan, NavyArmy sold me GAP protection and stated it would cover everything insurance didn't pay. Unfortunately this was not true and $275 remained owed. But the issue with this, is NavyArmy NEVER told me I owed it. At all. They removed the account from my online account and never called or mailed any letters about the balance owed and instead opted to report this on my credit report. I talked to several managers who admitted this should not have happened and even provided supporting documentation. However, the issue still remains on my credit account. I spoke to a manager again , and they stated even though this is incorrect, there is nothing they can do for my report and I'd have to wait 7 years for it to fall off. My request is for this to be correct, for Feb,Mar,Apr,May and June month reports to show ON-TIME and paid, and the account load status to show "Paid off-Satisfactory". The original way it should have been.  Correction to a credit report

  
  Regards,
  
  *****************************

• Initial Complaint

  12/27/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  NavyArmy community credit union does not want to help resolve a money issue because they say it has been too long since the issue happened. Due to Covid-19s pandemic its has been really difficult resolving issues, I would hope that NavyArmy could help me with a resolution? Last month NavyArmy supposedly sent me a document to fill out but I didnt receive it. All I need is for NavyArmy to resend the application for dispute, so I can get my money from big mouth direct in the amount of ****** dollars.

  Business response

  01/18/2022

  Hello **********************,

   

  I have received your complaint.  I have requested that someone contact you to gather more information.

   

  Thank you for choosing NavyArmy for your financial needs.

  ~***********************

  Chief Marketing Officer

*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. ↩