ComplaintsforMountain America Federal Credit Union

• Initial Complaint

  04/09/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have my truck loan and HELOC with MACU, and have been happy thus far. There closest branch is about 100 miles away, but with being done online and with Docusign, it should not be an issue. As such, when we began looking for a Travel Trailer, they were the logical choice. I applied online last week, and they pulled my credit report and said they would get back to me. I finally heard back from someone today, wherein they had to ask the same info that was provided in my application, and then had to send me a link to upload a copy of my drivers license and take a live picture of myself, which I did, and then they then pulled my credit report, for the second time. Only then did they tell me that I needed to drive into the branch with 2 forms of ID to continue with my loan. Mind you, I have been an existing customer for years, and while I appreciate being careful, this is ridiculous to run me through all of this, pull my credit report twice, only to then tell me, I had to drive 100 miles to show ID. They wasted my time and adversely affected my credit report, which could have been avoided, had they simply told me this up front.

  

  Business response

  04/10/2024

  Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
  
  We appreciate your feedback as it will assist us in providing a high standard of service to our members.

  Customer response

  04/11/2024

   
  Complaint: 21550625
  
  I am rejecting this response because: quite frankly, it does not address it. Its just you saying youll reach out to me. You do not acknowledge nor address, the actions that you took, that ultimately adversely affected my credit report, nor do you offer a resolution.
  
  Sincerely,
  
  *********************

  

  Business response

  04/17/2024

  Thank you for providing your additional comments. We found that, on April 17, 2024, you spoke with one of our representatives who is working with you regarding your complaint. We thank you for being a member of the credit union and the opportunity to address your concerns. 

   

  Customer response

  04/18/2024

   
  Complaint: 21550625
  
  I am rejecting this response because:

   

  it is not a response and takes no responsibility for what was done and how I was treated.
  
  Sincerely,
  
  *********************

• Initial Complaint

  04/02/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have been with Mountain America for 25 years and only now have ran into an issue to which they are not willing to correct their mistake.When I opened my accounts 25 years ago I had them set up to automatically cover each account in needed situations. If I ran my debit card and there was not sufficient funds, then money would pull off of my credit card to cover it. If my credit card payment was due and I hadn't paid it, money would pull from my checking to cover that. All accounts were set up to be able to move money back and forth to ensure everything was covered.This last September I was sold on opening a 6 month CD. I specifically asked the agent and he said this account and funds would be handled the exact same way, however if money was ever pulled out before maturity date that there would be a penalty for doing so. This was still great as i was earning a higher interest rate on my money sitting in the 6 month CD. I advised him that I was ok with the penalties, but just wanted to ensure that the money there was still liquid and could be used back and forth as needed like always, he said yes it would be "LIKE ALL OF MY MONEY AT MOUNTSIN AMERICA ALWAYS HAS BEEN, but penalties would be assessed. So I proceeded.Fast forward 4 months and I get back into the country ( I work for the airlines so am gone for sometimes months at a time) and I get a voice-mail that I need to call. I call and am advised that I am behind on 2 credit cards over 90 days to the tune of ******. Yet I have over ******* sitting there in my 6 month cd, which by the way had fully matured. They say they don't know why it didn't automatically cover things, but that I'm stuck with the negative credit reporting. Eventually after trying to talk to higher *** I'm told that cd money doesn't move automatically. Even if so why hadn't it moved once fully matured??This is beyond ridiculous and needs corrected. I'm supposed to be closing on a home loan in the next week and they have offered 0 help

  

  Business response

  04/03/2024

  Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
  
  We appreciate your feedback as it will assist us in providing a high standard of service to our members.

• Initial Complaint

  03/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  they repoed my truck due to a payment that was late 104 days don't know the exact date it was. they did not send me any mail because they didn't type the right address in when i told them my address . they never gave me a notice I also told them to split the payment into two weeks when they called me and told me about it the first time and they said they would do it and then i heard nothing about it until they repoed my truck on the 25th of march. so when i came home to it gone i started to freak out. So i called them and they said they took it and if i wanted to get it back i would have to pay them ******** to get caught up with the late payment and 705 for the repo fee. so i payed it so i could get my ************ asked them if they could remove it from my credit report because they never gave me proper notice about the situation and at first they said no. so i had to call them again just for them to put in a clame and they said they will look at it

  

  Business response

  04/01/2024

  Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
  
  We appreciate your feedback as it will assist us in providing a high standard of service to our members.
  

• Initial Complaint

  02/23/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I went into Mountain America Credit Union to get my account number before filing my ******************** Tax Return.The person at the counter gave me a card with my account and routing number to use while filing my taxes.When I did not receive my refund, i contacted the *** and was told the money was deposited in my account. I went to ********************************************* and found out the account number they provided me was somebody else's account number. ********************************************* sent the money back to the ***.I have been trying to get my $179 tax refund since March 27, 2023.I would like Mountain America to assist me in getting my refund due to their error.

  

  Business response

  02/26/2024

  Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
  
  We appreciate your feedback as it will assist us in providing a high standard of service to our members.

• Initial Complaint

  02/21/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for the debt/ inquiry that's posted on my credit profile with Mountain America Credit Union. I did not sign a contract to move forward with the subject, and still my credit was pulled and resulted as an inquiry on my profile.

  

  Business response

  02/22/2024

  Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
  
  We appreciate your feedback as it will assist us in providing a high standard of service to our members.

• Initial Complaint

  01/29/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Bank finished their dispute in about 3 days, they never offered temp credit, they dont return emails or contact at all. They stole my money, as far as Im concerned.

  

  Business response

  01/30/2024

  Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
  
  We appreciate your feedback as it will assist us in providing a high standard of service to our members.

• Initial Complaint

  01/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have identified certain transactions on my consumer report to be a result of identity theft. I confirm that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be removed, blocked, and deleted within 4 business days from the receipt of this letter. Account Name: MTN AMER CU Account Number: ************Sincerely,*************************

  

  Business response

  01/30/2024

  Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
  
  We appreciate your feedback as it will assist us in providing a high standard of service to our members.

• Initial Complaint

  01/23/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I use my debit card to pay RAYNE for service that was never provided. I disputed the charge and apparently their new staff isn't trained properly. They asked for Photos a letter from a Plumber documentation which all were provided on a timely basis, and they denied the dispute. **** and ******************* assured me that they would take care of it but never did as soon as I get my direct deposit into my other bank. I will be pulling the rest of my money out at one point I had hundreds of thousands of dollars in this bank, and I slowly have been transferring it out because I knew they were going downhill as all the other reviews say. They do not care about people, they do not care about members, all they care about is making money and not doing their job correctly.

  

  Business response

  01/24/2024

  Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
  
  We appreciate your feedback as it will assist us in providing a high standard of service to our members.

• Initial Complaint

  01/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I just spilled a charge with my Mountain America debit card. I have been a member for over six years and excellent standing and at one point had a large amount of money with which I know I've taken out.The dispute was for a service that I paid with raiyne water. They caused damage to my home and did not do the job. I have letters from plumbers and the builders multiple photos and they did an initial dispute. As for all the documents I sent them 17 and then reverse the charge Back to my checking account with no notice . The person I spoke with in the dispute department seem knew they had an accident. I don't think they understood what I was saying but now I'm stuck with a product that does not work. That was not guaranteed with my Mountain America credit card I will be with dry and the rest of my money.

  

  Business response

  01/16/2024

  Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
  
  We appreciate your feedback as it will assist us in providing a high standard of service to our members.

• Initial Complaint

  01/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In accordance with the Fair Credit Reporting Act. The List of accounts in the files provided has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions.15 U.S.C ****c. (a) (5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C. ****s-2 (A) (1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.Account Name: MTN AMER CU Account Nubmer: ********

  

  Business response

  01/11/2024

  Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
  
  We appreciate your feedback as it will assist us in providing a high standard of service to our members.

*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. ↩