ComplaintsforHAPO Community Credit Union

• Initial Complaint

  01/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ACC: **** COMMUNITY CREDIT UN (SECOND LISTING) ACCT# ************Consumer reporting agencies have assumed a vital role and have a resposibility to report consumer information to the best of their ability with MAXIMUM ACCURACY.I contacted Experian and asked them to investigat and remove the inaccurate and re-aged account about from my consumer report which thay are illegally repoorting. I requested proof such as documentation supporting their reports and Experian has not been able to provide them to me. This is a violation of the Fair Credit Reporting Act and this disputed item may not report on my credit report if it cannot be supported by any evidence or proof.Experian's credit reports for me of December 2023 and January of **** show RE-AGED and INACCURATE reporting of the second **** COMMUNITY CREDIT UN account with a balance of $11,381.00 reported. The information in my credit file shows two different accounts with the same company, but with exactly the same account numbers, which is also impossible and inaccurate. Also, the DATE OF LAST ACTIVITY and DATE OF LAST PAYMENT on the account are MISSING, in violation of the ***** so the entry is both INCOMPLETE and RE-AGED. In another instance, another false date of last activity is reported by EXPERIAN, that conflicts with reports from EQUIFAX and Transunion reports. This shows the **** COMMUNITY CREDIT UN account with a balance of $11,381.00 EXPERIAN reported is ILLOGICAL, INACCURATE and FACIALLY FALSE DATA that is LOGICALLY INCONSISTENT and hurts my credit reputation. The **** demands credit reporting agencies must only report accurate and complete data, which Experian has failed to do.

  Business response

  01/24/2024

  HAPO CCU is in receipt of the complaint reported through the Better Business Bureau.  In accordance with privacy regulations, we cannot provide detailed information regarding our response.  We will contact you directly.

  Sincerely,

  HAPO Community Credit Union

• Initial Complaint

  12/05/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Im Not Liable For This Debt They Did Not Provide Me With The Original Contract As Requested

  Business response

  12/05/2023

  HAPO CCU is in receipt of the complaint reported with the Better Business Bureau.  In accordance with privacy regulations, we cannot provide detailed information regarding our reply through this channel.  HAPO will contact you directly regarding our findings and response.
  
  Sincerely,
  
  HAPO Community Credit Union 

• Initial Complaint

  11/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Fraud Hapo is charging 50% interest on a auto loan they are loan sharking with crazy unethical amount of intrest I have been paying for 3.5 years on this auto loan and I have paid the amount Of the loan off but being charged unethical interest this is against the law HJR 192 I paid an addition $1500 toward my principal oct/nov and they are reporting false information hapo credit union bank reduced the actual amount then falsely raised it again on my credit profile resulting in a -20 points for Hapo credit union bank Increase. Remove this fraudulent inaccurate info immediately.

  Business response

  12/01/2023

  HAPO CCU is in receipt of the complaint reported through the Better Business Bureau.  In accordance with privacy regulations, we ****** provide detailed information regarding our response.  We have attempted to reach you by phone and email. To address your questions and concerns, **** is preparing a letter to be mailed directly to you.  Again, please contact us directly so we can review your complaint.
  

  Regards,

  HAPO Community Credit Union

• Initial Complaint

  08/17/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I recently moved to **************** to care for my 95 year grand mother because my mother recently passed away, i added myself to her checking account with a power of so that i could help her with her day to day finances. **** had refused to give my grandmother a debit card or checks to her account and had told her that she needed a letter of cognitive dissidence from her doctor to have access to her funds. she did not have access to this account or funds for a couple of years in the excess of $60,000 plus dollars. For the first month things seemed to be okay until I started using the account to pay bills my mothers creation $3,000 and a home owners Policy for almost $5,000 while relocating from ********** halo canceled our card and called it fraud when I called I was asked to face time halo and told I needed to come into the branch which I did then I was told I needed to bring my grand mother the next day which I did. **** promptly closed the account and told me that they suspected abuse because I had spent too much money and that I needed a court order to have access to the funds and that **** was going to be keeping the rest of her money now $50,000. They called the police to my home the next day and told the police they suspected abuse because her toe nails were long. The officer was more than happy with the environment and care I was providing and they did not stay for long. We currently do not have heating and air conditioning in our home and it is over 100 degrees here for months I informed Hapo that our bills were being paid through this account and that we did not have air and my grandmother is 95 and this excessive heat was dangerous for her health **** stated they were doing what was best for Hapo and that my grand mother and I should sign up for benefits or welfare, it was appalling. Clearly Hapo is using her money for their own financial gains and cannot produce her funds as they have misallocated their own funds under gross negligence.

  Business response

  08/17/2023

  Ms. ******, 

  HAPO CCU is in receipt of the complaint reported through the Better Business Bureau.  In accordance with privacy regulations, we cannot provide detailed information regarding our response.  We will attempt to contact you directly regarding resolution.

  Sincerely,

  HAPO Community Credit Union

• Initial Complaint

  08/15/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have made multiple attempts to provide proof of insurance on my new car that hapo is the lien holder on.Instead of explaining to me exactly what they want and trying to resolve the situation they are charging me an extra ****** for not providing proof.I have called them over and over again and they will not help me.How can they get away with this?

  Business response

  08/17/2023

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

  HAPO CCU is in receipt of the complaint reported through the Better Business Bureau.  Due to privacy policy compliance, we cannot provide detailed information regarding our response.  We will attempt to contact you by phone for resolution.

  Sincerely,

  HAPO Community Credit Union 

• Initial Complaint

  04/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I contacted **** Credit Union *************************** about fraudulent activity on my checking and savings account that I noticed after I was informed by a merchant that they had received a *** check back to them that I had written on this same account. I check my balance daily, and I wrote that check based on what the mobile banking showed me was my balance and was what my own records showed as my balance.When I received that call from that merchant, I went back to my mobile banking app with **** and found that there was a fraudulent charge on my account for the amount of $179.98 to some merchant that I do not know or have had any business with. I called the **** ***** number and had to wait for quite a while until someone answered. When the person I spoke to answered, I could not understand her due to her mumbling and her voice sounding like she had just gotten out of bed and was not awake yet. Then supposedly her computer was slow to respond so I had to wait on that also.When I told her why I was calling about the fraud charges I was reporting, she did not listen to my questions and did not provide me any assistance in getting this situation resolved. When that fraudulent charge was deducted from my account that caused the check I had written to bounce and I incurred the *** charge also that **** attached of $28.00. This was not due to anything I had done because I am very aware of my finances due to buying a home after losing my home in a house fire last month.I want all that money returned to my account as in the $179.98, the *** charge of $28.00, and I also want an explanation as to how this keeps happening with this **** account. I have had to get a replacement card multiple times because of fraudulent charges. I am on the edge of closing my account and looking for a bank that can treat me with respect and be careful with my money that I am entrusting to them to keep safe.

  Business response

  04/19/2023

  HAPO CCU is in receipt of the complaints reported through the Better Business Bureau.  For privacy reasons, we cannot provide detailed information regarding our response.   We have attempted to contact our member directly for additional details and provide resolution. 

  Sincerely,

  HAPO Community Credit Union 

  Customer response

  04/20/2023

   
  Complaint: 19950617
  
  I am rejecting this response because the business has not tried to contact me about anything since I made this complaint.
  
  Sincerely,
  
  *****************************

  Business response

  04/20/2023

  HAPO CCU has left three voice messages at the phone number provided and sent an email notification for follow-up.   Please contact me at ********************** so we can provide you resolutions. 

   

*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. ↩