ComplaintsforUW Credit Union

• Initial Complaint

  01/16/2024

  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 ********** WISCU Account Number: **********Sincerely,*****************************

  Business response

  01/26/2024

  Thank you for your membership and for bringing your concerns to our attention. We attempted to connect with you and have not heard back from you. We have reviewed your complaint and summarized how we addressed your concerns in a letter dated January 23, **** that you should receive at your home address.You can always contact us by calling **************. 

• Initial Complaint

  01/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In 2019 I bought a car in June and didnt receive a payment book until August of 2019,I made my first payment in September of 2019. The next month October I made my next payment and set-up bi-weekly payment and pay half a payment in the middle of the month. The next month the Credit Union took a half payment and didnt take another payment the rest of the year.The Credit Union sent me a letter saying my payments for November and December were late and sent the information to the credit bureau and charged me a late fee for the two months and never said anything about a late charge for a August 2019 payment that was not paid.I didnt receive a payment book until August of 2019. If there was a missed payment why was it not mentioned when I received the letter dated December 27, 2019?I paid a full payment in October and then a half payment in the middle of October so I should have always be a head of the payments.I made the payments for November and December 2019 to catch the payment up.But the Credit Union took a half payment out in November 1 2019.Now the Credit union have been charging me a ten dollar late charge every month since 2020 saying I was behind and I have biweekly payments automatically coming from my account. This ********************************************* never sent me anything showing figures pertaining to the account.I when to the ********************** to ask for a balance and saw all these late charges and couldnt believe what I was seeing. I talked to a manager and he told me I never pay my August of 2019 payment. This wasnt true, and he told me I needed to catch the account up so I pay the balance of the remaining balance for the August 2019 payment, if this was the case when I received the letter in December of 2019 why was it not mentioned then ? I would like a full refund for all the late payment. Bi-weekly auto payments and late payments dont go together makes no sense to me. This Credit Union is ripping people off. I couldnt get refinanced to a better rate because of Uw cr.

  Business response

  01/24/2024

  Thank you for your membership and for bringing your concerns to our attention. We attempted to connect with you and have not heard back from you. We have reviewed your complaint and summarized how we addressed your concerns in a letter dated January 16, **** that you should receive at your home address. You can always contact us by calling **************. Thanks so much for your continued membership. 

• Initial Complaint

  12/08/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have a personal loan with UW Credit Union and they have banned me from coming to their branches when I was not disorderly in any way. I asked them for all of my ACH forms that I have filled out since I started this loan with them and they refused to turn them over and told me I needed to leave and would not return the $210 I had just made for a payment on their account. I have filed a discrimination complaint and a lawsuit due to the fact that they are defaming and slandering me and discriminating against me. I think they are putting negative things on my credit report when the November 2023 statement showed I was current.

  Business response

  12/24/2023

  Hello ****************, 

  Thank you for bringing this issue to our attention.   We have been in contact with you via communications with individuals specifically assigned to your case.   If you continue to have additional issues or questions, please follow up with the credit union representatives assigned to your situation. 

  Thanks again, 

  UW Credit Union 

• Initial Complaint

  10/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On September 19, 2022 I cashed a check legitimately in put it in my former bank account. On September 23, 2022 I got a message from uw credit union saying the check was canceled. How do You legally authorize a stop on a legitimate check after it was cashed days before. I did not deposit the check I cashed it and then put it into my account. I want an investigation as I'm not at fault or responsible for any cancelation fees or paying back the check. Uw credit union should not have authorize the check to be canceled as it was cashed Legitimately and not deposited until after it was cashed. This is legally not how the policy or protocol works. I would like to speak to uw credit union's legal department immediately on this matter and have this taken off my name and credit report. I do not acknowledge fault on my put and I don't want my former bank account back I only want to remove the fee's and collection from my name as I did everything legally.

  Business response

  10/19/2023

  Hello *******,

  We appreciate you bringing this issue to our attention. We connected with you on October ************************************************************ the future by calling **************. Thank you for your membership. 

  Customer response

  10/25/2023

  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, details of the offer I reviewed appear below.
  
  [On October 13th, ********************************** to ask my side of what happened. I explained I pulled up to the drive through at UW credit union to deposit my check. I was told by a teller that the check will be placed on a hold over a week or more. I didn't want to wait so I declined depositing the check. Before I was about to leave I was told by the teller I can cash the check and that there was no hold but I can only cash my check in person. So I pulled out of the drive through and parked then went inside the credit union and cashed the check on September 19th, 2022. Adter cashing the check I wanted a money order to pay housing assistance SDC their portion so the teller who cashed the check informed me that I can get a cashiers check at no extra fee. I then placed the cash from the check I cashed in my account and got a cashiers check made out to SDC housing assistance and left. 5 days later on September 23rd, 2022 I received a message in the credit union app that the check was canceled. After explaining this to the lady representative who contacted me on October 13th, 2023 I told her I'm not at fault and the company at fault was my former landlord Parkeast ************* which I filed a case and went into mediation with. The representative asked if a copy of mediation can be sent to her by email. I sent her a copy after she gave me her information. The representative told me that she must respond back to BBB and I said that is fine. I haven't heard from the representative since this call. I would like to see this matter be resolved by my name being cleared from this as I do not acknowledge fault in the matter. ]
  
  Regards,
  
  ****************************

• Initial Complaint

  04/24/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This is a prejudice institution don't let the people of color in all the adds fool you. I have had an account for 20 years, I make over 6 figures and I was denied on a ****** dollar loan. These people should all be disgusted in themselves the bank is full of peons that have no power in life. They take there limited roll in customer service and treat people horribly. What is the point of having an account at an institution for 20 years when they treat you like a *** off of the street. I can't wait to close my account and do all of my buisness with USAA. I graduated from a UW system school.have an account for 20 years and get denied for a loan that's ***** percent of my income. I work for the government and I have my own buisness. It's a shame these people mascsrade as a community institution. They are a complete joke unless you leave it to beaver when you look in the mirroelr ***** far away from this institution full of clowns. Be great if someone could explain why they don't just come.out and name themselves the biased prejudice university credit union.

  Business response

  05/02/2023

  Thank you for your long-standing membership with the credit union.   We have reached out to you by phone to discuss your complaint and your experience with applying for a loan.   We will follow up with you in a letter to your address on file. 

• Initial Complaint

  01/06/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Through a phone call at about 4:30pm on January 6th, I requested information from UWCU regarding a letter dated December 29th, 2022 and an e-mail sent with that letter as an attachment dated January 6, 2023. Specifically, I advised that a supervisor would be needed to help me. UWCU indicated that I would be transferred to a supervisor and it would be "just a minute". They checked in with me at least three times, but were unable to contact a supervisor. After the third time checking in with me within about 5 minutes I was placed on hold for a very long time, over half an hour. I was placed on hold for an unacceptably long time and the expectation for a hold time that would be any close to that was not made clear. The time on the line was over 49 minutes, almost the entirety of the time on hold. After 49 minutes I was transferred to a survey line and disconnected. I am unable to speak with somebody to address my concern. This is unprofessional and my issue I called to address remains outstanding. I felt ignored and believe that this correspondence was unprofessional. This causes me a lot of stress because I have trusted this Credit Union to be responsible for a lot of my money.

  Business response

  01/18/2023

  Thank you for bringing your concerns to our attention.   After reviewing your complaint, the credit union has been in touch with you by phone to address your concerns and we have summarized those discussions in a letter dated January 17, 2023, that you should receive at your home address.   Thanks so much for your continued membership.

   

• Initial Complaint

  11/15/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Loan Number: ********** We have tried to recast this loan for over 2 months with awful customer support and policy to streamline this. UW CU has lost letter(s) that have been sent multiple times and keeps refusing to recast the loan. The current process to do this is extremely dated and is not functional. The process is broken, and it is impossible to find someone actually to help us solve this problem.

  Business response

  11/28/2022

  Thank you for bringing your complaint to our attention.   After reviewing your situation, it appears that you are having trouble collecting notarized signatures from individuals in two different locations.  We sent you instructions on obtaining those signatures in a letter dated October 20th, 2022.   If you need additional help in getting those documents signed, please contact us at **************.

• Initial Complaint

  09/12/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Hello, in April of 2019, I opened up an HELOC with the University of ******* Credit Union. I made payments on this and was able to do this successfully until such time as the pandemic began in March of 2020. I was employed as a substitute teacher in the ******* ** school district. At or around March 2020 schools throughout the state of Wisconsin were closed through executive order. I filed for unemployment and did not receive benefits until a year later, I was issued at least one 90. day late, and 3 30 day lates in November and December of 2021 and March of 2022. In April of 2021, I graduated from ******* University with an MS in Clinical Mental Health Counseling and applied for a Wisconsin state training license. I had an oral agreement for employment upon receipt of my training license, however, I did not receive my training license until a year later in May of 2022. I started work counseling in June of 2022.I have been seeking out a Home Equity Line of Credit with Cashback for a family emergency. Many times I had been notified of these 3 30 day lates from UWCU. I have worked with MS ********************** recovery agency since March of 2022. Currently my ********************** rating has improved by 100 points.Last night, I spoke to a loan processor and expressed my frustration about the 30 day lates. The loan processor informed me that during the pandemic there was a government program to help folks. I had not been made aware of such a program from UWCU. I also was not given the opportunity to make any kind of payment arrangements. I called and was called many times and spoke to their collection's office many times. I informed them of my circumstances and was told that notes would be added to my account. I was told they never were. I have asked for good will removals, statements, and access to my online records at UWCU and been denied. I request removal of 3 30 day lates and one 90 day late from my ********************** record.

  Business response

  09/21/2022

  Thank you for bringing your complaint to our attention.   After receiving the complaint, we were able to contact you by phone and resolve the issue to your satisfaction.   We will also mail you a summary of the action we agreed to take with your accounts for your records.

  Customer response

  09/21/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  I am very satisfied with the Credit Union's actions to resolve the situation. ****, the collections manager, was outstanding and very helpful.

   

  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *****************************

  
  

• Initial Complaint

  05/16/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. University of Wisconsin CU # ****** & ************, has violated my rights. 15 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 ***********. (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. 15 U.S.C 1666B: A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In addition to violation of, 15 U.S.C. **** ***************************** Section 805 ********************************************** b(5), 15 U.S.C. **** C(A), 15USC **** d(2).Attached below are discrepancies written in yellow between 3 credit bureau reports and UWCU.

  Business response

  05/24/2022

  Thank you for letting us know about your concerns regarding your credit report.   Upon receiving your notification, we investigated your credit history with the Credit Union and made sure the credit history reflected your payments correctly.   We sent you a letter summarizing these actions on May 23^rd along with contact information for the employee handling your case in the event you have further questions.   Thanks again for your membership with the credit union.

  Customer response

  05/24/2022

  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, details of the offer I reviewed appear below.
  
  [All the laws cited in the initial report were violated. Please take the accounts of my report or pay me $1000.00 per violation according to 15 USC ****n (a)(1).]
  
  Regards,
  
  *******************

• Initial Complaint

  04/05/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with **** WIS CU plus they did not provide me with the original application like I asked.Account No:51056224****Amount Disputed:$21,458.00

  Business response

  04/18/2022

  I am responding to the Better Business Bureau complaint #******** that you filed in April 2022 regarding your auto loan, account number ending in ******.

  In the complaint you state that you are not liable for the debt.

  After reviewing the loan documentation, we found that you are liable for the debt:

        On September 7, 2018 we received a vehicle loan application from *************************************** located at ***** ************************************************************

        The vehicle loan application was for a 2018 ****** Altima, with the last 6 of the vin number being 294282.

        UW Credit Union gave an approval for the loan application on September 7, 2018.

        UW Credit Union received the signed loan documentation from *************************************** on September 7, 2018.

  I have enclosed copies of the original signed loan documentation which include:

          Retail Installment Contract

          UW Credit Union Express Application

          Wisconsin Title & License Plate Application

  We had received payments beginning in October 2018, with the last payment received in February of 2021 .

  In August of 2021 your loan balance of $21 ******* was charge off at 327 days delinquent and in September of 2021 your loan was placed with the collection agency, Radius Global Solutions.

  On April 13, 2022, we attempted to contact you via phone at the number you provided and left a message. At the time of this letter, we have not received a response to our phone call from you. Please review the enclosed documentation and follow up with me if you need additional information.

  Business response

  04/18/2022

  Thank you for bringing your compliant to our attention.   After reviewing your complaint and reviewing the documentation of your loan we can confirm you had completed the loan documentation for the car loan and it was properly reported.   We have attempted to reach out to you by phone but have been unsuccessful.   We are sending you the document you requested via US mail.   If you have further questions dont hesitate to reach out at the contact number we provided in the voice message or the letter.

*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. ↩