ComplaintsforGesa Credit Union

• Initial Complaint

  04/10/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My car was repossessed 04/09/24 due to not having insurance, which i do understand is needed. I was not sent certified a letter saying that it would be being repossessed. I was not late on payments, it was only because of having no insurance. I purchased insurance today 04/10/24 and called Gesa regarding getting my vehicle back and was told that it has already been repossessed and i would have to pay the remainder of my loan in full $26,000 to be able to get my vehicle back. I have been paying this loan of $502-$511 a month for that last 3years. I canceled my insurance because the price skyrocketed. And i was going to get a more affordable insurance plan. I just want to get the vehicle back.

  Business response

  04/11/2024

  Please accept this as Gesas response to the above referenced complaint.  As a highly regulated financial institution, we are unable to share specific information about our members and their account activities.  We can say that the Credit Union reached out to the member and considers the matter closed.

• Initial Complaint

  03/26/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Hello,On 01/04/24 I deposited a check that I got from my aunt for Christmas at one of your branches ATM machine. The address is ******************************************************************** I am not a member of Gesa Credit Union but I am a member of another credit union that is part of the CO-OP network that shares atms.Everything was fine and the money was in my account and cleared. Then on 01/17/2024 I logged into my online banking account with my ********************************************* to a notice that I was charged $1000 for a "RETURN CHECK DUPLICATE PRESENT". Then on top of that I was charged another fee of $28.00. I contacted my credit union which is located in *********, ** and they told me to contact Gesa. Well Gesa told me to contact my credit union and this went nowhere. I then asked my aunt to intervene. She contacted her financial institution through which she gave me the check to find out if it was indeed a duplicate check or if anyone else had cashed this check. The bank said that the check was only cashed once and that there was no duplicate check(s). They said the check had been cashed only one time and one time alone. And the business that cashed that check was Gesa Credit union. Her financial institution then sent her a digital image copy of the check which showed that the check was cashed by GESA Credit union and no one else. And the date Gesa cashed this check was 1/5/2024 which is exactly one day after i deposited the check into the atm at the location i provided above. I've contacted no one who can seem to help me and this is frustrating. I just want my $1000 back and a credit to cover the $28 return duplicate check fee.I have attached the digital images showing the check was cashed on 1/5/24 at GESA.I am a 100% disabled combat veteran. I live off disability and I need this money back as I live on a very limited income and have a fiance and young child to support. I've tried every avenue and this is all I can do now is contact BBB.

  Business response

  03/28/2024

  Please accept this as Gesas response to the above referenced complaint. As a highly regulated financial institution, we are unable to share specific information about our members and their account activities. We can say that the Credit Union reached out to ************ and resolved his issue to his satisfaction.       

• Initial Complaint

  02/26/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I currently have an auto loan through GESA and since having a change in employment status over the last several months, have been in contact with GESA about my payments getting behind. Both my wife and I have made payments towards the loan even being behind, but have made payments none the less. My wife emailed a ****** that works in the collections department and also has spoke to him on the phone including two other employees in their collections department over the last couple of months to get us back on track with the loan. There have been numerous occasions when calling that department where we have been unable to reach anyone and even after emailing, we have always been told to call their number, yet still no one answers. We both will usually do this a couple of times if not three times each in one day and still cannot reach anyone. Its very frustrating when we are both trying to communicate to avoid repocession. Recently, my wife emailed again saying she had made a smaller payment, and the response was to call but still not answer after several phone calls made. Late Saturday, 2/24/24, a repo guy showed up to take the vehicle. Now we are playing cat and mouse with GESA as our local branch was unable to tell us where we could find our vehicle and make a payment to get it out of impound. This is extremely ridiculous and frustrating because we have always communicated but were never able to get through to anyone. Very disappointing, and we will never do business with GESA in the future.

  Business response

  02/28/2024

  Please accept this as our response to the complaint filed with the Better Business Bureau (BBB).  As a highly regulated financial institution we are unable to share information about our members and their account activities.  We can say that the Credit Union has tried reaching out to the member, and we encourage them to contact us so we may assist them with their issue.    

• Initial Complaint

  01/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 01/21/2024 I submitted a pre-approval with the condition that it would not be a hard credit check per the website. I have submitted a screen shot with the app saying will not affect credit which is false. I would like this to be removed because I did not agree to this misleading agreement. Thank You *********************

  Business response

  01/30/2024

  Please accept this as our response to the complaint filed with the Better Business Bureau (BBB).  As a highly regulated financial institution we are unable to share information about our members and their account activities.  We can say that the Credit Union has tried reaching out to the member, and we encourage them to contact us so we may assist them with their issue.    

• Initial Complaint

  12/08/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have a car loan thru Gesa Credit Union. I have been making smaller payments, but payments none the less. One day they called and said they were repoing my van unless I pay said amount. I paid that, then they wanted double what I paid. When I asked why, they said I hadn't made payments for a few months. Even though I have, it's in their system and showing in my account on their end. The tellers at the credit union keep lying and making excuses saying those payments did not come out. Yet I also have proof from mine and my girlfriends bank statements that they came out, and cleared. Now the company is back tracking, but refusing to look into it further, in a timely manner. On top of all of this, they have charged us a ton of late fees, repo fees, and are making us pay our payments a month in advance. Every time I make a payment on my loan, the amount I owe goes up for some reason. I brought that up too, and the collections department guy said I was lying. Yet I have screenshots I have taken, of the proof. Yesterday they "lost" our payments we had made trying to save our van. This company is just playing games and demanding thousands of dollars right before Christmas. While stating money that was paid is just gone, it some how disappeared from my account and magically fell out of theirs.

  Business response

  12/14/2023

  Please accept this as our response to the complaint filed with the Better Business Bureau (BBB).  As a highly regulated financial institution we are unable to share information about our members and their account activities.  We can say that the Credit Union reached out to the member and resolved their issue to their satisfaction.            

• Initial Complaint

  10/13/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.GESA CU ACCT #: ************ BAL.$3,249 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business response

  10/20/2023

  Please accept this as our response to the complaint filed with the Better Business Bureau (BBB).  As a highly regulated financial institution we are unable to share information about our members and their account activities.  We can say that the Credit Union has responded to their issue and considers the matter closed.

• Initial Complaint

  10/04/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  On June 22 GESA fraud department contacted me through text message about 5 suspicious charges all at ********* in *******, ** at the time I was in *****, **. I contacted fraud department to freeze card. **** was very polite told me to destroy card a new card would be issued and charges would be removed. I called after a month and was told again the charges would be removed it just takes some time to remove them. I received a letter with claim #********** informing me that the 5 charges totaling $529.98 would not be removed from account with no other explanation.

  Business response

  10/12/2023

  Please accept this as Gesas response to the above referenced complaint.  As a highly regulated financial institution, we are unable to share specific information about our members and their account activities.  We can say that the Credit Union reached out to the member and resolved their issue.

  Customer response

  10/21/2023

  Matter was resolved to my satisfaction, thanks BBB

• Initial Complaint

  08/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  My Credit card had a block put on it on 8-24-23 I called multiple departments each time I was sent somewhere else I was sent to the business who deals with the credit card No one will tell me why I have a block on my card and I keep getting the run around

  Customer response

  08/28/2023

  Case number ******** My complaint has been resolved thanks for looking into this matter.

• Initial Complaint

  08/18/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  This is my mothers bank. She has been in ill health for some time and unable to handle her banking matters. She named me power of attorney. I submitted all requested documents to this bank and they have refused to allow me to manage her account. They don't return my calls, they send me encrypted messages that I have no way to open and refuse to help me reset the password that would open them. They told me I merely needed to submit one more item, then I submit it and they ignore me for so long that it's too late to stop checks on her ******************* that are going to be sent for very large sums of money which should not be sent. I call and email repeatedly to get the matter resolved and they tell me basically they'll get to it when they get to it and it's going to take so many business days and excuse after excuse until time runs out to stop these payments which I will probably have to go to court to get returned. In fact, I submitted the docs they asked for right after my mother had a stroke and she lived for 9 more days and as of her death, they still had not settled the matter for which I provided all they had requested to show I am legally her POA.

  Business response

  08/23/2023

  Please accept this as our response to the complaint filed with the Better Business Bureau (BBB). As a highly regulated financial institution, we are unable to share specific information about our members and their account activities.  We can say that the Credit Union is aware of ****************** concerns and has communicated with her regarding those concerns.
  

• Initial Complaint

  07/13/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  The credit union financed a vehicle for ** in July 2022. Based on previous experience, I assumed the first due date would be around 45 days later and I waited for a bill to come in the mail. No bill, welcome letter, or any other paperwork ever arrived. Finally, I went into the branch and asked a representative if they could look up my account. They did and gave me the account number and payment instructions. However, by this time, the original payment was past due and the 2nd payment was coming due. We have paid every month since before the due date, but our payment has always been nearly 30 days past due technically. They have a program to move a payment to the end of the loan but only if you were never past due. They posted the payment due May 28 and paid May 28, on June 3; then, they reported us 30 days late to the credit bureaus. When I attempted to contact them over the phone and speak with a loan officer to see if they would work with us, I called twice, but was unable to reach anyone because the call center refused to put me through or listen. They were very rude. I submitted a dispute with Transunion and got the late payment taken off my credit report. But the company continues to harass me with emails, calls, letters, and text messages every single day like a collection agency because their system has always shown I am late making the payment. I would be more than one payment behind because of their negligence not sending me any paperwork, had I not gone into the branch to get my account info and the website for submitting payments (because I don't have an checking account, it's a different site). If they can resolve this situation they created by moving the late payment to the end of the loan, it would resolve the whole matter. After one year, We have not been late on paying any payment I was aware of before the due date. I don't understand why the call center won't even let me discuss the matter with a loan specialist.

  Business response

  07/17/2023

  Please accept this as our response to the complaint filed with the Better Business Bureau (BBB).  As a highly regulated financial institution we are unable to share information about our members and their account activities. We can say that the Credit Union has tried reaching out to the member, and we encourage them to contact us so we may assist them with their issue.    

*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. ↩