EECU Credit Union

All I can say is this is the first of many platforms that I will tell you guys why not to bank at EECU anymore. I have a 780 score with 0 delinquent account on my credit. I have never had a bankruptcy or had a loan problem until now. I've been banking with EECU since I was a student and have done multiple car loans with them that have been paid off. Their mortgage department loan officers Trudy Brandon and Trisha are not all on the same page. Diane Morales, the supervisor, didn't want to take my calls after she knew Trudy messed up and had me pay off all my bills. And after all that, they still told me I didn't qualify due to the debt to income ratio. Mind you, I paid off $60,000 off my credit report. Trudy kept saying they follow Freddie Mac and Fannie Mae guidelines which have had government bailouts. The moral of the story is they are not an equal housing lender and after all they have put me through Trudy was still asking me to come up with $23,000 down. What a joke of a bank. If I didn't have a loan with EECU right now I would close all my accounts with them and never do business again. Do yourself a favor and do business with a bank that appreciates you and does make you feel like you have rat credit or you can't pay your bills.

EECU has discussed this matter with Mr [redacted] on numerous occasions in the not too distant past As of the time of the writing of this response, EECU has reached out to Mr [redacted] to explain the accuracy of the credit reporting EECU was unable to reach Mr [redacted] EECU will continue its efforts to contact Mr [redacted]

After several unanswered calls to Mr [redacted] , we were able to reach him and resolve this matter to the satisfaction of both parties Based on our understanding of the facts, the late payment resulted from a dispute between Mr [redacted] and his insurer regarding the insurance deductible We routinely communicate with our members during these types of trying situations, both by phone and correspondence, and are happy to report that Mr [redacted] has paid the loan in full and this matter has been resolved We thank the Revdex.com for its time and attention to this matter

Complaint: [redacted] I am rejecting this response because: The banker I opened the account with never informed me that I was authorizing consent for a credit checkOnce I realized this had been done I revoked it via email, I have that emailI continued to receive inquiriesThis answer is not satisfactory Regards, [redacted] ***

It's our understanding that this matter has been resolved Thank you for your time and attention to this matter

Ms [redacted] , thank you for reaching out to us about this matter We are glad that we were able to resolve this concern for you Thank you for your continued membership in EECUIf you have other questions or concerns, please feel free to contact us at [redacted]

I reject the response due to the fact that I had to file a complaint in order to get an understandingI as a customer should be treated fairly no matter my financial situationUpon speaking with [redacted] we came to the payment agreement, the payment was made Monday October 26, but I was informed no action would be stopped until the documents were receivedShortly after the documents were faxed I made attempt to reach Mr [redacted] on more than one occasion today is Wednesday October 28, and I have yet to receive a response from him

Respectfully, as we mentioned in our earlier response, the credit inquiry is the result of an auto loan application Ms [redacted] made through a third-party car dealership Certainly, if Ms [redacted] contends that the inquiry was not legitimate, we would ask that Ms [redacted] call EECU’s Chief Lending Officer who has left her telephone messages We are happy to visit with Ms [redacted] at any time I hope that this response resolves and finalizes this matterWe sincerely appreciate the opportunity to address Ms [redacted] ’s concerns

Revdex.com: Last week I submitted a complaint [redacted] against my bank EECU regarding fees I incurred from themEECU has since refunded those fees and therefore my dispute has been resolvedThank YouI have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

Mr [redacted] , thank you for reaching out to us regarding the auto insurance and credit reporting issues related to your vehicle loan We apologize that this matter was not resolved sooner We have been advised by our third-party collateral protection insurer that the insurance policy will be cancelled We will also take the necessary steps to update your credit report to show that your loan is being paid as agreed

EECU, a not-for-profit, member-owned, Texas state chartered credit union, prides itself on providing its members with a broad array of competitive products and services We’re more than just a credit union for our members—we’re their financial advocate and we strive to provide our members A Better Way of Banking®We are devoted to helping the people and communities we serve, and we care about each member on a personal levelIn an effort to resolve this matter amicably, EECU has, or will shortly, refund the fees in question

I am in .receipt of the above-referenced complaintWe have been in contact with Ms[redacted] and have explained the subject transactions to herIt is our understanding that we havesettled this complaint to Ms [redacted] satisfaction.If you need additional information or if you have additional questions, please do nothesitate to contact me

EECU, a not-for-profit, member-owned, Texas state chartered credit union, prides itself on providing its members with a broad array of competitive products and servicesWe’re more than just a credit union for our members—we’re their financial advocate and we strive to provide our members A Better Way of Banking®We are devoted to helping the people and communities we serve, and we care about each member on a personal levelIt concerns us greatly when members believe that we have failed to meet or exceed their expectationsWe thank you for bringing this matter to our attentionIt's our understanding that an EECU representative has reached out to you to discuss your concerns in more detail Thank you for your membership in EECU

Mr***, thank you for reaching out about the issues with your wife’s debit cardWe apologize that this matter was not resolved for you more quicklyHowever, we can report that we refunded the disputed charges to your account and replaced Mrs***’s debit card We have been working closely with our debit card processor to identify the issues that caused this delay to ensure similar issues do not arise in the future Thank you for your membership and patience as we worked toward a resolutionIf you have other questions or concerns regarding this matter, please feel free to contact us at [redacted]

Complaint: [redacted] Is EECU going to remove the inquiry from my credit report? Regards, [redacted]

We want to thank Mr [redacted] for bringing this matter to our attention We will use the lessons learned from the recorded calls to enhance our member communications With that said, we want to make sure that Mr [redacted] knows that his refinance loan was approved on August 12, 2016, the date of his initial call His request for a deferral of payment was subsequently approved on August 15, EECU has, on several occasions, reached out to Mr [redacted] regarding his loan approval As of the time of the writing of this response, we have not heard back from Mr [redacted] regarding his acceptance of the loanWe appreciate the opportunity to respond to this inquiry and look forward to working with Mr***

Revdex.com: I am willing to speak to EECUCould they call me againI no longer have their phone numberI appreciate the company's responds and I look forward to speaking with themThank you Revdex.com and EECU [redacted]

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

Ms***, thank you for contacting us about the issue with your daughter’s savings account. Please feel free to contact us at *** if you have other questions or concerns

The business response was that the amount of the force-placed insurance was refunded back to my account - that is what SHOULD have been done on one of the several occasions that I called them, I faxed the info to them, I uploaded the info to them or my agent called them
Instead, their lack of customer service caused me a significant amount of time and frustration to resolve AND an additional $in my monthly paymentMy time is worth something, the processes EECU has put in place for this are inadequate and have cost me time at work and an additional $in my monthly car payment - which they do not even acknowledge in their response
My request for compensation of my time and the additional $in my car payment that I had to make because they took over a month to resolve this stands
Regards,
Carrie Medina