The Credit Union Loan Source

I always use to make my payments thru the ACH form that I used for about 2 years straight. They were doing a system change when I went to make my monthly payment and redirected me to western union payment option to pay my bill. So being that this was the other option I paid my bill as usual. 3 days later I see 2 charges on my account from them. I called them to find out what's going on and the rep tells me I signed up for auto draft. He said that I signed up the month before when I paid my bill through the one time payment ACH form. And that they changed the form from one time payment to auto draft. I told him I never signed up for auto draft and used the form one form that I used the pass 2 years. And if they were changing it they should have let customers know about the change. Then he said a lot of customers did the same thing and that if he refunds it, it would take 70 days to get the refund. ***. I have overdraft fees as will as other living expenses. This company does not care. I will be looking for another company that who's management have more sense to INFORM customers of changes.

where do I begin? This loan company is full with crappy service, agents, online portal doesn't work, wrong information on bills and payments, and a lot of more other issues. As I am writing this complaint, I am on hold with the CULS 3rd time. 1st time on hold for 32 mins, then disconnected the call, 2nd call on hold for 45 mins, a representative came and took my information and said to me hold on, 2 mins later, call disconnected. placed 3rd call and it's been 22 mins and counting.
I just need basic information and no one had the decency to call back since it took 40+ mins to even get someone on call. When I check my account online, the numbers doesn't match with what was provided to me at the time of the sale. The interest rate is not correctly displayed, neither is the total loan amount. I am not at all happy with this service.

Started receiving mailings from this company and they looked like another mail from a scuba diving group I was not interested in joining. So I ignored them for a few months until my wife opened one. The mail represented a past due notice and continuing payment request for a loan that appears to be for $7000 which I have no evidence or knowledge of taking out. They do not answer the phone or email requests for information.
Product_Or_Service: None

I pay on time every month and this month without notice they decided to do automatic draft. Sent me a letter, took 3 days last call I was # 56 on hold for over an hour, then told, that the letter was a typo and I would have to got to the account they set up to cancel it. This is not how a reputable company should work. I use the online form I always use to make my payment and the girl I talked with stated yes it was the same form but they change the one time to automatic. I will not use this loan service for another vehicle. also btw the online site they have set up, if you try to use the contact . It states "test email".... doesn't spark much assurance they'll even see it.

CULS has updated their website to make payments and it doesn't work. There are no options for recovering an account or resetting information. When I call customer service no one answers. It goes straight to hold music and in the several attempts I've made to contact them, no one has answered.

The new payment methods are no longer free (changing this without notice) and is redirected to a 3rd party processing company called Western Union Speedpay. Every login attempt has been unsucessful.

I can't wait to get rid of this awful company. What a waste of space.
Product_Or_Service: Auto Loan

I've been with this company for 4 years. I pay my bill on-line using the same account each month. Several times I paid my account and for some reason the payment does not go thru. I then receive a letter in the mail stating that my bank refused the transaction. When I contact the bank it's stated they never received the payment request from the credit union loan source. When I call them back all they say is sorry again your bank refused the transaction. This happens at least 2 times each year. When I call and pay on-line using the same information it goes thru.

Paid my last payment and still haven't received my title. I called today and they said it was mailed on on the 1/15 and I should have received it but since I didn't I have to send another email to the title dept. The young lady hung up the phone didn't give me the email address after I waited 45 minutes on hold!
Account_Number: XXXXXXXXXXXXXXXXX

CULS says they are available 24 hours to help with your loans. I was on hold 1/2 the day today. Got no one. I sent a email got no one.

Being a customer of Credit Union Loan Source for my vehicle loan for over 3 years, I have experienced poor customer service, and a horrible experience.

Typically I send my payment from the website https://www.culoansource.com/payments and I am able to submit a one time payment form, as they are behind time and do not have an online portal that allows you to make online payments.

This month Jan 2019 I log go to the website: https://www.culoansource.com/payments to fill out the one time payment form, however it is missing. After waiting over 20 minutes to speak to someone, I am told that is no longer an option as of Jan 2019. Frustrated I asked the rep if this was communicated with customers, and his response so boldly was "No, you can pay via Western Union for a $7.50 charge, you can mail in your payment (which will make it late and there is no confirmation given, or you can sign up for recurring payments. He also stated that he will not waive the $7.50 fee for making the payment.

I am disappointed with this company, their lack of communication with customers, and lack of payment options.
Account_Number: XXXXXXXXXXXXXXXXX

My insurance company paid the Credit Union Loan Source (CULS) for a total loss. CULS is still billing me monthly payments, they have not acknowledged the payment my insurance company sent and they are misapplying interest and principle payments. I contacted them on the phone and their customer service could care less. They do not have any answers and will say anything to get you off of the phone.

I was financed from a dealership for a vehicle. I never received a call, email, or letter until this week for my contract or payments. I finally received a bill from them stating that I am past due on my account. Just got off the phone with a rep for the company and they said they sent me a welcome package but I have never received anything from them. I would just like to go on the record that this company is the worst I have ever dealt with. Very poor customer service. I would like for my contract to be revised so that I don't have to deal-out $1700 all at once for two payments.
Product_Or_Service: Loan
Account_Number:

CULS as they are called is unable to provide you with a monthly statement repository. You have to log in with account number, last 4 of social and last 4 of VIN number. It only gives you an account snapshot for the month and doesn't show you month of month no matter long you have been paying the loan. I pay more than the amount due each month and they are sending me notices to state I am past due even though if the payment is due on the 22nd and late after 10 days I pay on the 25th and more than the allotted amount each month, therefore I should be ahead and not past due at all. The interest rate applied and the payment application doesn't add up considering how long I have had the loan and how many months are due they don't equate, especially paying more each month. Customer service is a joke as they always have to get additional assistance to review the account or wait for someone to call you back at their convenience. If I had it to do all over, I would not select them as a loan provider

Never sent car title to new lien holder
I originally financed an auto loan through this company in November of 2015 VIN: ***. On April 5, 2017 I refinanced my loan through USAA who sent paper work requesting the title and lien from Credit Union Loan Source. I found out once I paid off the loan from USAA that the lien and title were never released from this company even though the original loan was paid in full. The Customer Service hours are also not conducive to working individuals located outside of the east coast so I have been unable to resolve this problem. It is required by law that release of liens or titles are to be released within 15 days of payment in full so I am extremely displeased finding out that the original loan company is illegally holding my car title.

DO NOT USE THIS COMPANY FOR YOUR LOAN! Their customer service is abhorrent. Their ability to communicate in a professional manner is nonexistent. They will screw you over when you attempt to file a total loss settlement by filing a repossession notice at the same time as a payoff request, refusing to work with your insurance company to complete the process, and then notifying the Credit Bureau when your account is past due because of their refusal to complete the total loss process. Go elsewhere for your loan needs.

This company is set up to charge you fee after fee. How they handle your online account is appalling and apparently, they are that way to maximize the fees they charge you. You are not given a username and password to access your account information, but rather you have to use your account number/last 4 of VIN/last 4 of Social to "LOGIN" to your account. Anything you want to change online has to be changed via a pdf form. The issue is that once you submit a form you have no way of knowing everything went through correctly because they never call/email/mail you a confirmation. The debacle started the first month I tried to set up automatic bill pay with them. I didn't know when my first payment would be due so I submitted the form to withdrawal on the 15th of the month. The next month I received a letter stating that my account was past due and that a late fee was added to my account. I went back online and submitted another automatic withdrawal form for the 1st. Again never knowing if it was accepted or if there were issues. The next month I received yet another bill stating my account was past due and another late fee had been applied to my account. At this time I tried to call their customer service number, but after being on hold for 10 minutes I decided to try their online forms again, big mistake, and maybe I was simply missing something. I chose to send another automatic bill pay request for the 1st. This month I received yet another bill stating my account was late and another late fee had been applied to my account. At this point, I was forced to wait on hold until customer service answered. I was told that my previous forms had not been applied because I hadn't submitted a cancellation from first, again no call/email/mail message. Why would you allow someone to set up auto bill pay in a way that will cause a late fee to be applied every month without notifying the customer? When I asked to change my date to the 1st he stated I would have to submit a form for that...

the lengthy review by *** is entirely true and exactly what I have experienced. The CULS web based payment system is a joke and VERY inconvenient to use. I just attempted to payoff my loan early and could not even do that. They don't tell you anywhere I could see that the maximum payment amount they will accept is 3000.00. Any more than that you must use the pay by phone option. Even when making a normal payment you must, I repeat, MUST make your payment at least 4 days before the due date even on-line. Really!!! If you fail to do this and want to make a last minute payment you must use the pay by phone option. So if you are wondering why they push the pay by phone option,,,,that's because they charge $7.50 for that privilege. I will be letting the dealer know how dissatisfied I am and that my next vehicle will not be from them.

This company deserves two stars at the most. With 4, people are likely to deal with them not knowing what a horrible system they run.

The company they contracted to pick me car up for repossession couldn't find my car . I waited more than an hour, missed work and had to Pay for transportation to and from the recovery lot. I have paid all fees and still don't have my car

The company contacted me for an attempt to collect a debt. I told the company I was not aware but could I clear up the debt. At the time I still had my car. She told me I couldn't. I explain to her that I had sent money in and she told me that could not be applied to the debt only the principal. She told me the it was documents I needed to send in. I sent all those documents in and tried to clear the debt before repossession. This company tried to run the price of getting my car back purposely for fees. My electronics is in this car and my child's uniforms. This was a matter of communication. *** did this purposely.
Product_Or_Service: 2016 Acura

I have had multiple attempts over the past few months to login into my account. It has been unsuccessful due to inaccurate information on file. I called the customer services line, ***, multiple times and I am unable to get through to a live representative. I have emailed *** twice and have yet to receive a response over the past few months. There is no other contact information available for this company. My bank has been sending them a check since November 2017 for my car payment and I am unable to see my account information. I am starting to believe that this may be a fraudulent company. I need someone to investigate this and contact me immediately.