The Credit Union Loan Source

Every time I contact the credit union loan source they cannot find my account. I am unable to login online since they changed their system.
Every time I contact the credit union loan source they cannot find my account. I spend on average a hour on the phone with them while they find my account I am unable to login online since they changed their system. I have called 8 times and have followed 8 different sets of directions to be able to login online. To this day I still can't login. How this doesn't violate some sort of laws is beyond me. All I want to be able to do is access my account. I have not received a statement in the mail since May. My address has not changed. I have been told that they send a statement every month. I never receive one.

Lender has not provided billing information after multiple attempts.
I purchased a vehicle on July 5 which was financed by Credit Union Loan Source. I have yet to receive any information from them. My first payment is due August 19,2019 and I still haven't received any type of loan documents; although this lender account was added to my credit report on July 5, 2019. I have contacted this company twice with August 13, 2019 Being my last day to contact them. I explained to the agent that I was concerned about not receiving anything from them. She stated that they would mail it again and email it. I still haven't received either. I also asked her what date did they mail out the first time and she said that they are unable to tell a date because it sent out by the computer. This is beyond unacceptable and illegal. Why am I having to beg for my contract information.This is awful and I will definitely be refinancing in a year just to to get away from this company.

I moved from North Carolina to Pennsylvania and have been asking CULS to send my title to the Pennsylvania DMV for 3 months now.
: I moved from North Carolina to Pennsylvania in April 2019 and ever since have been unsuccessfully trying to get CULS to send my title to the Pennsylvania DMV so that I may register my car in Pennsylvania. The DMV had to make several efforts to communicate with CULS in an attempt to secure my title, as my husband and I provided all of the necessary information. First, CULS stated they did not have a fax number several times (the DMV does not have a scanner). Then, after several attempts at communication, they miraculously did have a fax number. After much effort, CULS confirmed via email to the DMV that the title request was successfully received. Yet, no title was ever received by the PA DMV. I emailed CULS explaining the situation and expressing my frustration on June 23, 2019. On June 24, 2019 CULS emailed back saying the title had successfully been printed and confirmed the correct mailing address. She also said she would follow up the next week with a tracking number. She never followed up, so I e-mailed her again on July 13, 2019 (two and a half weeks later), and she has never responded and there is still no title. At this point, I have been trying to get CULS to send my title to the Pennsylvania DMV for 3 months now. I called and spoke with a CULS representative on July 17th who said it could be 60 days until I receive my title, but they were unable to provide any specifics about when the title would be mailed or received. They said they would e-mail me with an update, but they have not.

CULS was unable to provide me with a copy of my title in order to plate my vehicle in a different state.
After moving to Indiana, I needed to transfer my registration from GA to IN. In order to do this, the IN BMV has to send a request to CULS. It took until the 4th request for the company to acknowledge that I had sent a request. Which meant that I had to purchase 4 separate temporary registrations in order to legally drive my car. Every time I contacted CULS I was provided with a different address to mail the form and was assured that it was the correct address. The last request was sent on July 3rd and I called on July 19th to figure out what the issue was and they informed me that they had just received the request on July 18th. Which means that first class mail took 10 business days, which it does not. Instead, the company received my request and did not attempt to resolve my issue until at least a week later when I called. I suspect that is likely the first time they opened the letter. Now they are telling me that GA will take up to 30 days to send the title, and my final temporary registration is set to expire in 13 days.

I strongly recommend not using this company for any current or future services. I paid my lien in full in April of 2019. I received a physical letter in the mail shortly after and was notified that I should receive my title in about 6 weeks. It is now 7/8/2019 and they just released my title to the state of Georgia. This was done not by their doing, but more from inquiry and learning that they did not release my title in April of 2019 as required. I am having to argue with them daily to try and get them to release my title and work with the state of Georgia so that I can simply pick up my title and sell my car. When asked why it to so long their response is "We released the title on 7/5/2019". They do not care about serving their customers and doing what is required of them which is simply do your job. If you are working with them and have a good experience, I applaud you as that is most likely few and far between. I hope (fingers crossed) that I can get my title this week, but I would probably have more luck building a rocket and being the first person to land on Mars, find intelligent life, return to Earth, and start a new career as a Martian liaison.

Late payments, withdraw from my account WITHOUT authorization, reporting on my credit report
I bought my vehicle a few years ago and financed with CULS. I've never had problems with them until a few months ago. They called me stating that I missed a payment A YEAR AGO! I first stated to them that I never got any letters, phone calls, emails, text messages, etc. about this "past due" amount. I argued with them about it, they didn't care. I brought my account up to date, EVEN paid the late fees that were over $200. Now, I'm trying to purchase a house and they JUST reported late payments for the last 6 months. WHAT?! The list goes on. They are continuously trying to automatically take payments out of my account when I NEVER signed up for that. I also informed them via email that they needed to stop because I wasn't approving funds to come out of my account. Not only that, BUT I switched bank accounts and only leave money in that account they are trying to take payments from for certain things. They are charging me for NSF at CULS AND my bank account. Why am I paying these charges when I never authorized this to be taken out of my account?! I want my money for these charges and these late payments on my credit report, GONE!

This company is certainly in turmoil and management is obviously less than competent.

It is now June 2019 and I have not received a statement since February 2019. In May 2019, I called the company and asked for an Amortization Table - instead I received an Account Payment History Report showing payments. Interesting that the actual payment dates are NOT shown on the report (only partial dates shown - i.e., instead of showing "03/05/2019" the report shows "03/0"). Which gets to my initial reason for requesting an Amoritization Table: I am certain they are not using the date the payment was received, but the date they applied the payment into their system. The interest charged fluctuates from $42.11 in July 2018 to $51.75 in August 2018 to $42.16 in September 2018. I have worked over 35 years in the Financial and Audting Areas of several companies - from the scant information provided, these folks appear to be manipulating Cash Applications to create more income by delaying the date they enter the payment. (As a side note I pay via Auto Pay from my bank and the date when the bank sends the payment is always the same).

They are using the excuse they installed a "new system" and are working the kinks out. Well, they had problems before, and certainly did not address them in the new systwm. One point - in August 2018 they show a payment for the month on the Payment History Report, however on the Monthly Statements of August and September 2018 they do not show the payment made in August. The same thing happens for the months of January and February 2019 - no payments are shown even though payments were made (seen by observing the Loan Balance on the Monthly Statement and by seeing the payments reflected on the Account Payment History Report, albeit the Payment History does not show the full date - see above).

I always pay ahead - on my last statement received (Feb 2019), it says I have a "Payment Due Date" of September 2019. Maybe in their lack of business acumen, they think they do not have to send out a Monthly Statement to those individuals who are responsible in handling their debts - my Credit Rating is 820, and I worked diligently and methodically to get to that point.

At this point (due to lack of Monthly Statements) I have no idea what my balance is or where they might have used their under-handed trick of Cash Applications again.

Sorry to say, my wife was hood-winked into using this company by buying a car from a dealer while I was overseas on a business trip. In that respect, even though we have puchased three new cars through the dealer over the years, we will never purchase another auto from them again. If that dealer cannot check out the competency of the credit companies they use for their Customers, I certainly will not use them again.

If you are considering using this company, just realize working with The Credit Union Loan Source LLC is taking the wrong step. In the many years I have been on this earth, I have used alarge number of Financial Services companies, but never have I been involved in such confusion and incompetence. Just an FYI - this is the first time I have ever given a company a "1". If there was a Zero, CULS certainly deserves it.

Completed payoff of loan on March 27th. CULS billed me for a car payment in April and May. Refund took multiple attempts. Their service is horrible.
On March 27th $18,212.43 was debited out of my account (XXXXXXXXXXXXXXXXX) to payoff car loan. On April 17th a car payment of $493.74 was debited out of my checking account without my authorization. Contacted customer service and was transferred to supervisor Demond Stickler. He refunded my car payment on April 30th. On May 17th a second car payment was debited from my checking account without my authorization. I again contacted Demond Stickler and the payment was refunded on May 23rd. I have April and May statement showing no payment was due and no balance remaining. I received a letter stating my payment was late May 28th. I also received a June statement requesting $493.74. I have not had access to my online account in several months to verify any information. I have requested a copy of all financial records and have not received any to date. My title has not been received after payoff on March 27th. Customer service has been horrible every time I contact CULS. Long waits and no resolution for issue.

ONLINE ACCESS FOR ACH
I HAVE TRIED ON SEVERAL OCCASIONS TO START ACH WITHDRWALS FROM MY BANK ACCT FOR MY MONTHLY INSTALLMENTS WITH CULS. ORIGINALLY I SENT IN THE ACH FORM WHICH I SENT IN A TIMELY MANNER TOO HAVE IT WITHDRAWN ON THE DUE DATE AND EVEN CALLED, AND THE ASSOCIATE, ADVISED THAT THEY RECEIVED IT. I THOUGHT ALL WAS GOOD UNTIL I RECEIVED A PAST DUE NOTIFICATION, I THEN CALLED BACK AND ANOTHER ASSOCIATE ADVISED THAT THE RTNG NUMNER WAS INCORRECT FOR MY BANK ACCT. SO SHE CXLD THAT FORM THAT WAS SUBMITTED INITIALLY AND SAID FOR ME TO INITIATE ANOTHER FORM, HOWEVER I CANT I HAVE TRIED AND TRIED ONLINE TO NO AVAIL DUE TO EACH TIME I TRY IT SAYS THERE IS AN ERROR AND NO ACCT EXIST. SO NOW THEY STILL HAVE TO TAKE AN ADDITIONAL $7.50 FROM MY ACCT EACH MONTH ALONG WITH THE PAYMENT WHICH IS NOT RIGHT OR FAIR. THIS IS TOTALLY NOT RIGHT FOR CUSTOMERS TO HAVE TO PAY THE HIGH MONTHLY PAYMENT AND THE ADDITIONAL CHARGE OF $7.50 BECAUSE THEY WILL NOT ADJUST THERIR SYSTEM TO BE FRIENDLY FOR THEIR CONSUMERS! SHAME ON CULS! TOTALLY OUTRAGEOUS.

I would give them no star at all. they are the worst company I have ever had to deal with in my 71 years of life. Will not return calls. never answer messages except to say someone will be in touch in a few days. Cannot get to payment history as they keep it blank. Cannot reconcile with their records. Take forever to get them on the phone and when you do you are either traded form department to another or no one knows anything and gives you generic answers for everything. Big mistake in allowing the dealership finance with them . Told dealership about problems. will not ever use a company I am not familiar with again.. Can't figure out how they stay in business.

Sent certified letter with money order and change of state registration form. Signed and received by "M.Porter", a company employee. 41 days later I call to check progress. No one knows anything... I described there was a signature receiving it. Stephanie from Title department takes ALL pertinent info and promises a call back before end of business. Just like other comments....NO CALL! I call back next day to speak with her. She doesn't have correct vehicle, account #, or contact info right. How could you begin to solve problem when you aren't engaging yourself with info provided. Give her ALL pertinent info again with a promise of a call back by end of day. NO CALL AGAIN! I call to speak with a manager. Nope! As if they are protecting each other. Truly most incompetent people I've had any business with in a long time! Call Stephanie back again to get an answer. You can predict the answer... "Even though you have a signed certified letter receipt from our employee M. Porter, we did not receive it." I have no other belief, than someone has done something with the money order and the rest went to the trash. Filed a complaint and investigation with USPS on potential fraud with a federal money order. I will blast to the moon and back in the event we find fraudulent activity. What a joke of a company! To Stephanie and M.Porter, I'll see that what is right and just come to light, and see to it someone be held accountable.

Processing loan payments.
I have an auto loan with culs with due date on the 16th of each month. I receive a monthly payment invoice to be used for payment. In April I did not receive payment coupon so I paid on electronically before due date incurring a fee of $7.50. I received the payment after the due date and was told by company rep that it was late because of installation of new system. In May I received the payment coupon and mailed a check on 2 May for payment due on 16 May. Payment had not cleared my check on 14 May so I again called company to see if there was a delay in processing my payment. Told it was my problem. I checked my online account on 15 May and my account did not show my May payment being made. not wanting to impact my excellent credit rating, I again paid on line incurring the $7.50 fee. Checked my bank on 16 May and it showed my written check was cleared on night of 15 May. My on line account for CULS still did not reflect the payment as being made. I called customer service again on morning of 16 May and was told both payments (on line made on 15 May and check mailed on 2 May) were posted to my account, but the system I could access had not been updated to show both. Was told that my written check was received on 15 May. I know post office can be slow, but don't believe it takes 14 days for my payment to get from Atl, GA to Miami, FL. It appears to me that (1) the company does not have sufficient trained employees to process payments, (2) the employees do not know how to do their job, or (3) there is an intentional delay in processing mailed checks. Either way customers who never want to be late in making payments are forced to pay online thereby incurring a service fee of $7.50. Terrible business model and/or poor customer service!

CULS set up automatic ACH monthly payments which I did not authorize.
CULS set up a new website and did inform me of this. The website was inoperable. I called CULS and was informed by CULS employee Tyler Flowers that CULS had many complaints as mine. That when CULS swapped over to a new webpage the systme automatically set up automatic ACH payments. This caused my checking accoutn to overdraft.

CULS financed a vehicle for me.Vehicle was paid off January 2019 and not title has been received for vehicle
2013 Ford Edge purchased and finance though Credit Union Loan Source in 2013..Acct: XXXXXXXXXXXXXXXXX.. Final payment made to bank 1/31/19 in the amt of $1350.27. Phone agent assured me that title for vehicle would be received within 30 days approximately...No title to vehicle has been received as of 5/15/19. Phone contact made with CULS regarding vehicle title in 04/19, phone agent gave me email address to inquire stating that I couldn't speak with anyone in the title depart only email at ***@CULS.com. phone agent stated note on account indicated on 2/13/19, title had been reviewed, nothing further about when title was sent. Emailed company to inquire...no response
Customer service: XXX-XXX-XXXX

The worst finance company I have ever dealt with. For two months they say we are past due then call them about it and they say they are updating system and they found no past due payments. then today receive another notice and several past due charges and they inform me its from June or August of 2018. Have refinanced with another company that I have dealt with before. Will never do business with CULS ever again.

Unauthorized withdrawals from my account and disputed pay off balance . Difficult to contact. Each representative gives different pay offs.
I've paid for this vehicle for almost 5 years without any problems. Month of April, Paid $600 for 4/15 payment (payment due was $564. 5 yrs. of pmts. Almost always paying more than due. Checked my bank acct. on line pmt w/d by CULS 4/8. Also 4/9 CULS w/d $607.50 unauthorized from my account. Notified CULS spoke to Crystal 4/14 was told they only had received pmt. for 4/8. Was told to go dispute charges through my bank. 4/19 went to bank, missing a day off my job and $250 pay, to dispute the unauthorized w/d by CULS. When bank rep. Open my account a 3rd unauthorized w/d 4/18 in amount $607.50 was w/d by CULS. Bank rep. Called CULS. Was asked by them to email my statement showing w/d because they had received no payments for 4/9 or 4/18. Also said they would call her back after reviewing the statement she emailed them. Never called my bank rep back. Next day bank stopped pmt on the two unauthorized w/d's for 4/9 & 4/18. 4/8 pmt. remained as authorized pmt to CULS. Bank returned $1200. Back into my account . 5/6 rec'd letter and statement from CULS. Letter stated my pmt. for 4/8 was returned for NSF and my April pmt was now past due. Also, the statement showed $600 and charges of a late fee of $84.27 and NSF charge of $30 was added to my account making my balance $994.89 instead of $364.89 as it should have been. Checked my CULS account on line and what previously 4/14 showed my payoff as 364.89 was showing my payoff as $1617.97. CULS added the $1200 of unauthorized disputed payments that they had no record of receiving back to my payoff balance and in addition charged me with $90 NSF fees for the two disputed withdrawals. And did not give me credit for my 4/8 payment. Numerous calls have been made to CULS with a no less than 30 min waits to speak to a person each call. Each giving different payoff balances. This is the worst company I have ever dealt with and will never do business with again. Almost done paying off a $40,000 loan and now all this. I've requested in a letter a statement of my payment history from them so I can see that I have been given credit for all my payments to my account. Never had a problem until now. This company needs to be audited by the feds.

As a first time customer, I am expericing issues with making a payment on line. I am trying to register, because I will revisit the cite to make online payments. I am not a person that uses money orders or checks to submit payments. I want my payment made online. However, I have a letter from this business that lists my account number. When I go online to register with that account number, the system reports there is not an account found. There a no other options to help find the correct account number, if this is indeed the wrong account number listed on my letter from the company. And of course, when you call the 866 number, the business is closed. So what options does this leave your customer? What customer wants to deal with this?

I have been with CULS for a little over a year. Because of some hardships I ended up being late on my account. I had to start making partial payments but months after I was able to get a better paying job and was able to make my payments. I would make two payments some months so I can catch up on my car note. Within the last two months ago a woman named Tanesha H and I were in contact a lot about my bill. But one day she stopped picking up the phone and wouldn't return my calls so I've been contacting with James who works at the union. We have been in contact about my current account and he told me I would be caught up after a payment would be made for this month. I had That payment set up on the 24th of the month. A day before April 23rd, 2019 that I receive a call from Ms. H stating that I was 28 days behind on a payment that was made on the phone with James on April 5th 2019. Ms. H insitested that I didn't but I know I did and my bank account shows the date they have taken it out. I've asked her for information that I should already have meaning my statement, the last payment was taken from my account, how much more do I have to pay on this loan and I received nothing. She didn't state she couldn't give me but there was hesitance as if she couldn't get me that information. By April 25th when I looked back into my bank account they stole $637 from me and they weren't suppose to. They were only to take out $309.66 (really should be $287)out of my account and I would have been up to date. I've asked if there was someone that I can speak to higher up and was told Ms. H was the higher one up but wouldn't give me a name or number to Ms. H's boss. They don't know what's going on and it makes it very frustrating that I can't just go up there because the credit union is in a different state. It's been a lot of stress with this company within the last two months and at this point something needs to be done about this.

I have been with the company Credit union loan source for two month can't do on line because their a 23 page you read and need approve with cost and fee but they don't tell what they are in that 23 pages can't approve with know what the charges are
now they received my first payment fine and posted it finally I received (2)
statement on for the first month and another for this month payment then couple days later I received a three statement and all three have the wrong due day they change it from the 28th now due on the 20th called ask for new statement have never got it
call and spoke with Mike at union county Kia in NC and ask with gives with this fly by night loan company you put me with got my payment this month over the phone they waved 7.50 charge because of no statement Javita at CULS said she sent a statement to my email and the authorization code for my payment did receive the statement but no authorization code so this is only two month two wonder what the next 6 years will be like
if you a have chance do not deal with the company thank you

This has to be the worst business that ever existed. You can never reach anyone to explain additional charges on your account and their employees are so uncouth, unprofessional and rude as the is long.

Their website was built by kindergartners. You cannot view anything about your account. I tried logging in several times, it kept going to the terms and conditions but never allowed me to view my statements or anything about my account. I have never regretted doing business with a company so much as I do with this company. They are a joke.
Product_Or_Service: Car loan