The Credit Union Loan Source Reviews (%countItem)
The Credit Union Loan Source Rating
Address: 10800 Alpharetta Hwy STE 208 #759, Roswell, Georgia, United States, 30076
Phone: |
Show more...
|
Fax: |
+1 (404) 675-1027 |
Web: |
|
E-mails: |
Sign in to see
|
Add contact information for The Credit Union Loan Source
Add new contacts
ADVERTISEMENT
Credit Union Loan Source has two third party debt collectors contacting me to collect on the same debt.
On or about October 2016 Credit Union Loan Source referred my file to FMS, Inc. for collections. I made contact with FMS, Inc. requested a validation of debt then I requested a payment schedule by which to take care of the deficiency amount owed to Credit Union Loan Source. FMS, Inc. begin drafting funds from my bank account in February of 2017 to December 2017. To my knowledge I was making some head way in paying what was owed but to my surprise I get a letter from a second debt collect on January 8, 2018 stating they are collecting on behalf of the Credit Loan Source, and for me to contact their office regarding the same debt that FMS, Inc. is collecting on. When I called FMS, to inquire about the letter they had no idea of what I was talking about. To their knowledge they still have the file and the Credit Union Loan Source did not cancel the contract with them. So then I called The Credit Union Loan Source, and of course I have not heard anything back from them. I'm concerned that money has been drafted from my account to pay back a debt and know I'm being harassed by another debt collector trying to collect additional monies.
Please notice me on which debt collector is handling this matter. Is it FMS, Inc. or Stoneliegh Recovery Services. I need to know this ASAP. Also they need to notice FMS, Inc. to close their file if they are not handling my case.
Ms. account was reassigned from FMS, Inc, to Stoneleigh Recovery in January 2018 as our company is no longer doing business with FMS. We are deeply sorry that your account was still being drafted from FMS. We received your request of debt validation from Stoneliegh and have provided the documentation.
We do realize that some customers were impacted by the move in companies, but we are confident that our customers will have a better experience with our new partner.
If you ever have any questions about where you should make your payment or concerns about your account, please do not hesitate to call our customer service line. Any of our representatives will be happy to help you.
Unable to speak or communicate with anyone through email regarding auto loan. Cannot make a payment.
I have a brand new account for my car through this company. I set up a direct withdraw from my bank account and a payment has not been taken. I contacted my bank and an attempt has not been made. I believe there has been an error made with the account number somewhere. I just want to make a payment but have not been able to speak with anyone. I have called four times and have been on hold for over an hour each time I called. I have been disconnected twice. I have emailed customer service twice and have not received an email back. I would just like to get this payment situation sorted out.
The correct withdraw info so I can simply make a payment.
The customer was assisted with the correct information and fees were waived.
The company applied my payment to someone else's car and is denying this. I have copies of my check and proof I paid it. They reported me as late.
I submitted my payment by check on November 13th, they received and processed my check on November 16th to someone else's account. I tried to contact them for three days once I received my bill on a November 27th, and finally talked to a representive on December 2nd. They did not offer any help or assistance and denied receiving my check and said that there is no way my payment was applied to someone else. They first representative hung up on me and when I called back the second lady said it could take upto a month for it to be fixed and I should pay all my fees for the late payment. The payment was not late (it is due on the 21st and they cashed it the 16th but did not apply it to my account.). This is going to hurt my credit score and they do not care and do not want to take responsibility for their mistakes!
I want all my fees refunded and then to properly process my payment. Their phone staff is rude and does not offer any assistance In resolving the matter. They do not own up to their mistakes.
Thank you for sending in proof of your payment. We have located your check earlier today and applied the payment to your account and taken action to waive late fees.
We sincerely apologize for the inconvenience this caused. We appreciate your patience in this matter and thank you for your business.
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for fixing the issue with my account. It only took going through one rude customer service representative who hung up on me, and two nice and informative representatives to fix this issue. I appreciate the help and hope this does not occur again or I'll be taking my business elsewhere.
Trying to understand why an overdraft fee turns my banking account into a nightmare.
Dealing with CULS LLC for a few years now and I am grateful. I have been consistent with payments and I don't play around with business. But when I contacted CULS about making a payment deferment due to dealing with Hurricane Irma, everything was going smooth until 10/4/17. Things were not so great. Contacted CULS, and I was told that this was an error on their part due to someone processing the draft that was attached with a form notifying of the deferment to take place in November. That payment went out, along with 2 more overdraft fees. The person stated that I should dispute the charge with my bank because "it will take them 90 days to give me that money back into my account, and that they will take care of the overdraft fees when I send them a printout of my Bank statement with a letter head. I called the bank and they took care of the payment that should have never gone out. Not available to print out the bank statement off the bank's website from my end, I sent the one page from the bank's website via email on 10/12/17. I didn't get a response until the 14th saying that it will go to the manager, only to wait 5 more days via email on the 19th telling me the manager will only accept an official bank statement. Through all the time waiting for this overdraft fee situation, other things went out to be paid from my bank, leaving me in a -$250. When I called the bank and asked for a bank statement, but I couldn't get one due to being in the negative. Called CULS back the same day asking if they can contact the bank to get that statement, the person I talked to said that he would contact in an hour to give me an answer on what could be done. He never did. So, on the 23rd, I had some help getting the bank statement, and was scanned and faxed the same time. Called CULS back to see if they received the fax, was told there wasn't one at all. Lies, I saw it go out. I've been waiting since 10/31, 11/4, 11/6, 11/9, just to find out from an email that CULS didn't receive that check of $70 until yesterday at 4PM, when it was supposed to be out in the mail from this past Monday. From a disabled Navy veteran, this is UNSAT!!! Because one person couldn't do their job, I had to pay the price. And it could have been avoided. Now I can't do Christmas shopping.
All I want is to be refunded the $250. This could have been avoided and I have never gone through a situation like this before. This has really put my family through a strain.
Once again, we apologize for our error in processing the customer's ACH payment after receiving the cancellation notice.
The process to receive fee refunds is a long one, but necessary to ensure that we have the proper documentation and required authorizations given, as per our audit standards. We received official documentation from the customer's bank on 10/24/2017 for the customer's request to refund 2 $35 overdraft fees totaling $70. The documentation was approved by the supervisor and the head of accounts processing on 10/24/2017. The request for this check was included in the weekly check request file to our finance office on 11/3/2017. A check in the amount of $70 was cut by our finance office, mailed to us, and mailed to the customer on 11/10/2017.
(The consumer indicated he/she DID NOT accept the response from the business.)
The $70 amount was sent out on the 11/13/17 (because I have a copy of the letter envelope and the check) and I didn't receive through the mail on 11/15/17. And the actual date of the check was made on 10/30/17. So, from all that time in between waiting I was told that it had to come from corporate that happens to be in the same vicinity. From a huge mistake that happened on 10/4/17. It should not take all this time to send out what has cause so much trouble for me in the first place. Yes $70 down, but $185 is what is missing. Then I will be satisfied.
On October 6, 2017, we were made aware than an ACH payment on Mr. account was processed in error, causing the customer to incur NSF fees from his bank. On October 24, 2017, we received a copy of his bank statement, as requested, showing $70.00 in incurred NSF fees, which we agreed to refund. A check for $70.00 was issued and mailed to Mr. on November 10, 2017 and the issue was considered closed by CU Loan Source. At no time did Mr. request a refund, nor provide proof of, an additional $185.00 in fees.
This is the most incompetent loan service you could ever get a loan through. Please, please, PLEASE do not get a loan through this company. If you are a military service member DON'T DO ANY BUSINESS THROUGH THIS COMPANY!!!! All they are good for is causing headaches and not doing their job. They act like helping the customer is a sin. Their website is complete trash as well. If they spent as much time updating and fixing their website as they do deceiving and not helping customers that would be great. MILITARY MEMBERS DO NOT GO TO THIS COMPANY! Stick with USAA, Navy Federal and Service Credit Union.
The first payment I made on my car was late due to me typing in my banking information wrong. The issue I have with this is that they knew I had done this but proceeded to tell me that they had received the payment knowing that they hadn't. After seeing that the payment hadn't come out of my account (mind you I called before my due date), I proceed to call again and they tell me it's fine, just wait. I call again after the due date and that is when they finally tell me that my information was wrong and proceed to charge me a late fee which I feel isn't my fault.
Second payment: Due to my bad experience with their low budget website that they had a high school student create, I set up automatic payments to be processed through USAA (which is a wonderful credit union, I made the mistake of not getting my loan through them, :( What was I thinking). I set the automatic payments to come out on the 2nd of each month. It takes 3 days for the payment to get there so that would put it at the 5th. They said they received it on 6 October. They proceeded to charge me a late fee. I called them today and they said that they also seen my setup for automatic payment through them with the wrong information was going through as well which I canceled but now they can't find the info that I did that either. The customer service representative that I was speaking to told me that he would call me back, it's been 40 minutes now. I am so sick of dealing with this incompetent loan service. This business needs to be shut down immediately. This was a lesson for me for sure to research the loan company before just signing. There are plenty of reviews out there that would have stopped me from signing up. If I could give them a 0, I would. I have never felt so helpless. I am worried about even dealing with them because things like this could jeopardize my clearance and negatively affect my credit. Please young soldiers out there don't come to this company. I will be notifying Army bases in Georgia about this company as well so at least the soldiers know not to go to them.
Discrepancies in billing and lack of response due to multiple inquiries.
I have made attempts over the last 2-4 months to get resolution on discrepancies regarding principal allocation and the remaining loan amount. I contacted CULS customer service via phone. After a month without receiving the stated call-back from management, I called again and spoke to Customer Service. I was told they still had the quetion on file, yet I had received no call-back / resolution. I was told again to expect a call from management, and that a record of payments, itemized by principal and interest allocations with remaining balance, would be mailed to me. I never received this information, nor a call back from CULS. On 9/9/17, I also submitted an email to Customer Service via the email *** provided on the CULS website. The basic content of the email is included below. I have yet to receive a response ---
9/6/17 Email:
"I have made attempts over the last 2-4 months to get resolution on discrepancies regarding principal allocation and the remaining loan amount. I was to receive a call from CULS. This has never occurred. Furthermore, on the last attempt, CULS was to mail me the history of payments to include itemization showing monthly allocation to principal, interest, and remaining principal. I have not received this information. The request was made >1 month ago.
Specifically, this is in reference to statement dated 5/1/16. There is a discrepancy whereby the principal is too high by an amount of $615.64 (principal balance went up after payment instead of down.)..."
Furthermore, I have noticed that the amount being allocated toward principal does not appear to consistently increase as payments are made. Allocations toward Principle should increase over time, not decrease.
I expect an actual response from CULS and explanation / resolution of billing discrepancies. Furthermore, I desire historical records to-date of all payments itemized to include allocation to principal and interest, with remaining principle for each monthly payment. The CULS statements ceased to provide this breakdown approximately 1 year ago. I have asked about this and was told that CULS was working on revising statements to include this information again.
Hi Mr.!
Our head of Account Processing has reached out to you regarding an explanation of the payments that have been posted to your account and your current balance. She is expecting a return phone call from you.
We look forward to hearing from you soon!
The CULS changed my address without my consent.
Correction to a credit report Address and credit report corrected.
We apologize if your address was changed in error. Please contact Customer Service at Toll Free: (XXX) XXX-XXXX Option 1. You will need to provide your account number and another piece of information to identify your account. Our customer service representatives will be happy to assist you with a correction.
Thank you for your business!
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response. I want know how my address was changed without my consent and I want to know that the party responsible will be held accountable. I spent a total of three hours on 10/04/17 investigating why I had a new home address on my credit report. During which time I called CULS and explained the situation to them. I was told by CULS to submit a change of address form. Now I will have to call CULS and the credit bureau again (spending more time I do not have) to correct an issue I did not cause. Will I be compensated for this time???
Hello Mr.!
Your address was changed on 9/23 after we received returned mail we sent to your Burlington, NC address with a forwarding address to Cortland, NY. In an effort to provide great service to our customers, we proactively change addresses in our system when we receive an update from the Postal Service. Our customers who move have enough on their minds without having to remember to change addresses with us!
In this case, it seems that you did not move! Thank you for catching this and correcting your address with us. When your account activity is reported to the credit bureau at the end of the month, an update to your address will be pushed automatically. Additionally, I have added a permanent note to our system to instruct our teammates not to change your address if additional returned mail is received.
Thank you again for contacting customer service so that we could correct your information and thank you for your business!