ComplaintsforConnexus Credit Union
Credit Union
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
03/06/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
My client was told upon assuming this solar loan it would be transferable. Connexus credit union along with Mosaic have since then have changed their policy and are no longer allowing transfers. This will cause the home not to sell to these buyers.Business response
03/12/2024
March 12, 2024
Thank you for providing the concerns submitted by ***********************************. At Connexus, we take all complaints seriously and diligently work for resolution.
Unfortunately, Connexus is not able to disclose any information to ****************** about her clients account without proper authorization from the client. This can be addressed by having the member call our ********************* at ************.
After this authorization is on file, we will gladly address any concerns brought forth.
Sincerely,
********************************;
Member Experience Specialist
Connexus Credit UnionInitial Complaint
03/01/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
Connexus Credit Union renewed my CD at maturity without notifying me. now asking for 1 year interest as penalty which is more than $2000. contacted them repeatedly but they are referring to a manual published in 2023 which they never sent to me. the original CD started in mid Feb 2019.Business response
03/07/2024
March 7, 2024
Thank you for providing the concerns submitted by *************************** regarding his Share Certificate. At Connexus, we take all complaints seriously and diligently work for resolution.
As general background, Connexus members have a 10-day grace ****** upon maturity of a Share Certificate to withdraw the funds or choose not to renew, otherwise, the certificate will automatically renew for the same term. The process and grace ****** are standard in the industry.
Such terms are clearly disclosed in the Account Information Disclosure under the Truth in Savings section. Further, as required by the Truth in Savings Act of 1991 as implemented by the **** (12 CFR Part 707), Connexus provided the Truth in Savings disclosures to the member prior to opening the Share Certificate. Since the member did not instruct otherwise, his Share Certificate accounts automatically renewed. Therefore, in order to withdraw the funds, the member would be charged an early withdrawal penalty as set forth in the applicable disclosure.
We hope the above addresses the members concerns for closure of this matter.
Sincerely, cc:***********************
********************************; 86 ************ Unit B
Member Experience Specialist ******,** 02169
Connexus Credit UnionInitial Complaint
02/13/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
Connexus purchased my trailer loan the day it closed with the orignial lender. i never gave them permission to open a savings account or make deposits. they never gave me the loan number or member number and when i called about it the reps insisted i could only verify if i gave my email or text codes. SO THEY REFUSED TO GIVE ME THE **** I NEED TOPAY THE LOAN. I do not use email. I do not use text. they wont update my address, give me the loan number or member number because i do not use email or texting. They bought the loan and opened a savings account that i did not agree to. THEN THEY SENT A MEMBER STATEMENT BUT REDACTED THE LOAN NUMBER AND OPENED A SAVINGS ACCT WITHOUT MY CONSENT AND MADE $5 AND $10 DEPOSITS WITHOUT MY CONSENT fORCES ME TO JOIN THEIR CREDIT UNION IS NOT MORAL AND NOTHING I AGREED TOBusiness response
02/22/2024
February 22, 2024
Thank you for providing the concerns submitted by *********************** regarding her share deposit account with **********************. We take all complaints seriously and diligently work for resolution.
On 1/19/24, ************** financed a purchase through our business affiliate, *****************. The loan was assigned to Connexus, and as a result, ************** became a Connexus member.
As part of the above-mentioned financing agreement, the member signed an application and a Membership/Account agreement agreeing to become a member.
In order to receive a loan from a credit union such as Connexus Credit Union, an individual must be a member of the credit union. Such a requirement is set forth by either federal (see 12 U.S. Code ?1759) or ********* state law (see Wis. Ch. 186). As Connexus Credit Union is a ********* state-chartered credit union, we must comply with Wis. Ch. 186 that provides a share deposit means a balance that is established and maintained by a person at a credit union that confers membership rights to that person. In other words, to join a credit union, you must be a member, which happens by opening and maintaining a share deposit account (most commonly known as a savings account).
As part of the membership process and based on Ms. ****** prior written consent and authorization, a savings account with the initial opening deposit of $5 was opened with loan funding thereafter. A welcome letter was sent to the member with loan information shortly after opening the loan. If ************** needs her loan information, she will need to contact our ********************* at ************ and provide the appropriate level of authorization.
This membership savings account only needs to remain open until the loan is paid in full, at which time we will be pleased to close the account and send the remaining balance to the member.
We hope the above addresses the members concerns for the closure of this matter.
Sincerely,
********************************;
Member Experience Specialist
Connexus Credit Union
Enclosed: Membership/Account AgreementInitial Complaint
02/06/2024
- Complaint Type:
- Delivery Issues
- Status:
- Answered
Received a voicemail from ***** saying he was calling in regards to my personal loan...I do not have any accounts with Connexus. Unless I have been the victim of identity theft, I do not know why he is calling. I've read the other complaints and it seems like Connexus has a habit of running customer info for personal loans without their consent. Not sure where to go from here but its incredibly unnerving.Business response
02/14/2024
February 14, 2024
Thank you for providing the concerns submitted by ******************************* regarding her share deposit account with **********************. We take all complaints seriously and diligently work for resolution.
In October 2023, **************** financed a purchase through our business affiliate PatientFi, LLC. Connexus funded this loan, and as a result, **************** became a Connexus member. The phone call referenced by **************** was not related to a personal loan but instead was an introductory call that is made to new members to welcome them to the credit union and answer any questions they may have.
As part of the above-mentioned financing agreement, the member signed an application agreeing to the following:
Should PatientFi, LLC (PatientFi) acquire your account as a result of your credit application, Patient Fi may further assign your contract or loan. If your contract or loan agreement is assigned to Connexus Credit Union, you will be required to become a member.
In order to receive a loan from a credit union such as Connexus Credit Union, an individual must be a member of the credit union. Such a requirement is set forth by either federal (see 12 U.S. Code ?****) or ********* state law (see Wis. Ch. 186). As Connexus Credit Union is a ********* state-chartered credit union, we must comply with Wis. Ch. 186 that provides a share deposit means a balance that is established and maintained by a person at a credit union that confers membership rights to that person. In other words, to join a credit union, you must be a member, which happens by opening and maintaining a share deposit account (most commonly known as a savings account).
As part of the member process and based on Ms. ******* prior written consent and authorization, a savings account with the initial opening deposit of $5 was opened with loan funding thereafter.
This membership savings account only needs to remain open until the loan is paid in full, at which time we will be pleased to close the account and send the remaining balance to the member.
We hope the above addresses the members concerns for the closure of this matter.
Sincerely,
********************************;
Member Experience Specialist
Connexus Credit Union
Enclosed: Loan AgreementInitial Complaint
01/13/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am a victim of identity theft. I've noticed unauthorized transactions and suspicious activities linked to my identity. I've filed a police report, but I need assistance in resolving this issue. I hope to recover my financial losses, clear my name, and request your help in removing this inquiry from my credit report. Please help meinthismatter. CONNEXUS CU 07/23/2023.Business response
01/19/2024
January 18, 2024
Thank you for providing the concerns submitted by Mr. *************************************** regarding identity theft. At Connexus, we take all complaints seriously and diligently work for resolution.
Connexus received an application on 7/23/23 for a personal loan, which was instantly declined.Therefore, no account was opened here at Connexus.
If ************** feels he is a vicim of identity theft, he will need to submit a credit dispute to the credit bureaus and provide Connexus with a police report number.
If ************** has any questions, he may contact Connexus at ************.
We hope the above addresses *************** concerns for closure of this matter.
Sincerely, cc:**********************************
**********************; ***** ********
Member Experience Specialist *************, ** 92551
Connexus Credit UnionInitial Complaint
01/12/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Conexuss credit union as of 1-2-2024, was notified by aqua finance that they bought from conexuss a loan , conexuss will not and has refused to allow me to close a share savings account connection to said loan I've reached out conexuss and aqua finance I have a letter stating that aqua finance has control over said loan ,I need a senior manager to contact me and explain to me why they still have control a loan should me proof and if they don't release me control of my savings accountBusiness response
01/19/2024
January 19, 2024
Thank you for providing the concerns submitted by ********************************************* regarding his share deposit account with **********************. We take all complaints seriously and diligently work for resolution.
In November 2018,********************** financed a purchase through our partner *****************. As part of that financing agreement, the member signed an application agreeing to the following:
Should *****************. (AFI) acquire your account as a result of your credit application, AFI may further assign your credit transaction. If your credit transaction is assigned to Connexus Credit Union, you will be required to become a member.
In order to receive a loan from a credit union such as Connexus Credit Union, an individual must be a member of the credit union. Such a requirement is set forth by either federal (see 12 U.S. Code ?****) or ********* state law (see Wis. Ch. 186). As Connexus Credit Union is a ********* state-chartered credit union, we must comply with Wis. Ch. 186 that provides a share deposit means a balance that is established and maintained by a person at a credit union that confers membership rights to that person. In other words, to join a credit union, you must be a member, which happens by opening and maintain a share deposit account (most commonly known as a savings account).
Thereafter, as part of the member process and based on Mr. ********** prior written consent and authorization, a savings account with the initial opening deposit of $5 was opened with loan funding thereafter.
As mentioned to ********************** by several of our ********************* Consultants, this membership savings account only needs to remain open until the loan is paid in full, at which time we will be pleased to close the account and send the remaining balance to the member.
We hope the above addresses the members concerns for the closure of this matter.
Sincerely,
**********************; cc:*****************************************
Member Experience Specialist 10 *********
Connexus Credit Union **** Landing, ** *****Initial Complaint
12/13/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
Have loan previously set up on auto payment, but due to Connexus policy changes they stopped being able to accept payment via debit. I was not made aware of these changes until my account was 38 days past due. I immediately re setup my autopay and brought account back to current but still took a hit to my credit score despite doing nothing wrong. My autopay was setup, nobody got ahold of me to re setup a new autopay.Business response
12/20/2023
Thank you for providing the concerns submitted by *********************************** regarding his loan and the associated loan payments. At Connexus, we take all complaints seriously and diligently work for resolution.
As general background,Connexus made a change to our Digital Banking platform on 11/1, wherein the organization no longer allows debit card payments through our online loan payment portal. Multiple communications were sent to members via email and standard mail, and one of our ********************* consultants also proactively called and spoke with ********************** on 10/25/23 to make him aware of the upcoming change. ********************** said he would make the necessary changes.
As a one-time courtesy,Connexus has refunded ********************** the $10 late fee he was assessed due to this change. Connexus did not report ********************** late to the credit bureaus,and he has since set up autopay for his loan payments.
We hope the above addresses the members concerns for closure of this matter.
Sincerely, cc:*******************************
**********************; **** ******************************
Member Experience Specialist ***************, ** 33917
Connexus Credit UnionInitial Complaint
12/06/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
FULL OF RACIST SCAM ARTIST STOLE MONEY FROM ME AND REFUSING TO PAY ME MY MONEY *********************** (*******)******************* (*******)Business response
12/08/2023
To Whom is May ****************** response to complaint #******** filed from consumer ***************************** on 12/6/2023, Connexus Credit Union is not at liberty to discuss the employment details of former employees. It should be noted that the employee was paid in full, and that Connexus Credit Union is committed to our Diversity,Equity and Inclusion focus as well as upholding our Connexus Values.
Thank you.Initial Complaint
11/23/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Connexus makes it also impossible for customers to make ther load payments ther online payment process almost never works in most customers cant pay in person because they load office is in the middle of no whereBusiness response
11/28/2023
November 28, 2023
Thank you for providing the concerns submitted by ***************************** regarding his loan payment. At Connexus, we take all complaints seriously and diligently work for resolution.
On 1/18/22, ************** entered a loan agreement with Connexus Credit Union for a vehicle loan in the amount of $33,571.42 with a monthly payment of $566.44 that would be due on the 21st of every month commencing 2/21/2022. Pursuant to the loan agreement as signed by the member, ************* agreed to and is responsible for making timely payments until the underlying loan is paid in full.
We apologize for any issues ************** experienced while trying to make a loan payment online. To avoid any late fees in the future, we recommend that ************** consider setting up recurring ACH payments,as he had in place previously before cancelling them on 10/28/23. Additional loan payment options can be found on our website under Pay my loan (www.connexuscu.org/pay-my-loan/). If ************** needs any further assistance, we invite him to contact our ********************* at ************.
We hope the above addresses the members concerns for the closure of this matter.
Sincerely, cc:*************************
**********************; **************************
Member Experience Specialist ***********, ** 60130
Connexus Credit UnionInitial Complaint
10/29/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
bank discriminated against me, as i provided credit for the loan and they refused me and accused me of bank fraud for stating laws that they thought i didn't know. especially after i asked them to verify the risk that they take on loans, and told them my ssn is a credit card which it is by lawful definition, and the creditor cant be denied and my contract is used as collateral, as it is a negotiable instrument pursuant of 12 cfr 360.6(2) and 16 cfr 433.1(c). i started citing laws they choose to ignore me and all i wanted was a approval since a quid quo pro was suppose to occur and didn't ( value for value exchange ), which can also be defined as unauthorized use of credit card per law. all caps name ***************************** is the estate and ssn. provides what the bank uses to make so called loan, but its actually my money per HJR 192 of 1933 Constitutional rights may not be infringed simply because the majority of the people choose that they are. ********* **************** 2 C3d 756. reaching out to get a resolution before i ***Business response
11/03/2023
November 3, 2023
Thank you for providing the concerns submitted by Ms. ************************ Connexus disagrees with *************** conclusions and assertions. As **************** notes, she submitted an application, and that application was denied. The denial of credit based on a lack of creditworthiness is not discrimination.
Further, without exception, a social security number is not a credit card. **************** never provided credit for the loan. There was and is no contract between **************** and Connexus Credit Union. Instead, as previously stated, **************** submitted an application, which is one element (offer) to a contract. In the present matter, there was no acceptance of the offer, and no consideration exists. Similarly, without a contract, there is no corresponding collateral/security agreement. In no uncertain terms, a social security number is not a credit card, and repeatedly stating or relying on this incorrect statement does not make such a statement accurate.
Lastly, 12 CFR ***** is entirely inapplicable this code pertains to transactions of securities in the secondary market. 16 CFR 433.1(c) states the definition of a creditor but lacks any reference to a negotiable instrument.
We hope the above addresses the consumers concerns for the closure of this matter.
Sincerely,
**********************;
Member Experience Specialist
Connexus Credit UnionCustomer response
11/03/2023
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.
not a Ms, and once again it's a lot of avoiding and deflecting Everytime that I state laws that are facts. There is most definitely a application ( traded security ) that was used and anything that involves my *** card is a consumer credit transaction.. I see you also ignored the *** 192 document that was attached. which speaks of lawful constitutional money.....the bank cannot verify the risk that they take on loans 15 usc **** , because the *** provides that credit that they so call loan out. I already know that I will eventually have to take you all to court as my credit was extended and I gained nothing in return. and giving false and misleading information pursuant to 15 usc ****... please verify the risk that the bank takes on loans ?? If I am incorrect !!! 12 CFR 7.4008 states that a bank should not engage in unfair and deceptive practices, etc etc.... furthermore you tried to correct me on the *** card not being a credit card which is also false , given the lawful definition I provided. On the behalf of my estate the all caps name which was on that application....I know you all will probably ignore this response, because you can't prove anything. or do anything without that *** that I provided,.. august 2nd 2023 was when I applied. And I still have all info I gave that day. Can't deny the creditor a extension of their own credit. Because it's a credit deposit not lawful money. Per *** 192 **** which you ignored
Regards,
***********************Business response
11/10/2023
November 10, 2023
Connexus Credit Union received the response from *********************** (*****). The statements and positions of ***** have been universally rejected throughout the country and the reliance on the stated authorities is misplaced. Please see the following as discussed by one court related to HJR-192:
These vapor money, unlawful money, or redemption theories of debt are all, in essence, based on the premise that because ***************** went off the gold standard in **** with the passage of HJR192, ***************** has been bankrupt and lenders have been creating unenforceable debts because they are lending credit rather than legal tender. ********************, No. 15-3527, 2015 WL *******, at *2 (E.D.N.Y. July 1, 2015) (quotation omitted). This theory whether premised on fraud or some other cause of action has been universally and emphatically rejected by numerous federal courts for at least the last 25 years. Id. at 214 (citing cases).
The vapor money theory of recovery is patently frivolous no matter how disguised under a legitimate cause of action. See, e.g., ***************** Mortgage LLC,No. 09-2445, 2010 WL ******* (D. Nev. May 10, 2010) (dismissing, in some instances sua sponte, claims alleging fraud, conversion, conspiracy, extortion,securities fraud, and violations of the Truth in Lending Act (TILA), the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA),and GAAP, based on vapor money theories of recovery where the plaintiff claimed his loan was invalid because it was made with credit rather than cash);****** v. Countrywide ***************** No. *****, 2010 WL ******, at *4 (W.D.N.C. Oct. 7, 2009) (dismissing utterly frivolous and patently ludicrous claims of fraud, racketeering, and conspiracy based on vapor and unlawful money claims, and advising plaintiffs that their tactics are a waste of their time as well as the court's time, which is paid for by hard-earned tax dollars).
Based on the above, Connexus Credit Union is unable to respond further.
Sincerely,
**********************;
Member Experience Specialist
Connexus Credit UnionCustomer response
11/10/2023
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.
I will be taking you all to court....as you can see, Once again you failed to verify the risk you all take on loans. And I am the director and original creditor and it can't be proven otherwise with case laws that have nothing to do with what I originally stated. I will make sure to use these responses as evidence. Per GAAP you all don't lend any money from your own reserves or assets. !!! And that is a fact. And Can't be proven otherwise eitherAnd the creditor cannot be denied a extension of their own credit
Regards,
***********************
*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. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business.
Customer Reviews are not used in the calculation of BBB Rating
Contact Information
Customer Complaints Summary
43 total complaints in the last 3 years.
16 complaints closed in the last 12 months.