ComplaintsforPinnacle Credit Union

• Initial Complaint

  03/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to express my profound concern about the disclosure of my nonpublic information to credit bureaus and the resulting inaccuracies on my credit report, leading to significant financial and emotional distress.As outlined in 15 USC 1681 Section 602, I assert my right to financial privacy, expecting the confidential treatment of my information.Moreover, 15 USC 1681 Section 604(a)(2) underscores that a consumer reporting agency cannot furnish account information without my written instructions, which have not been provided.I have identified discrepancies on my credit report, adversely impacting my financial well-being. I urgently request the rectification of these inaccuracies.Lastly, please be reminded of 15 USC 1666(b), preventing creditors from treating payments on a credit card account as late under specific circumstances.For your reference, my account details are as follows:Account Name: ********************** CU Account Number: ******** I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns may lead to legal action. I anticipate your prompt response and resolution.Thank you for your immediate attention to this matter.

  Business response

  03/29/2024

  This loan shows as an unpaid charge off for the amount in the letter, we are doing additional research and if we find any supporting information to show otherwise the information will be updated.   This is the first notice that we received.

• Initial Complaint

  02/20/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  They froze my acct for no reason I have a medical condition. I tried to add my son to my acct so he can handle my business and they refused to do so. Now they have my acct froze I cant access my money now my house is going into foreclosure because they refuse to unfreeze my acct.

  Business response

  03/15/2024

  *******************

  Director of Operations

  **************************************************************

  ************

  Member, *******************, was placed under conservatorship, with her brother *********************** being named as conservator. This was due to ********** being diagnosed with dementia. **************** came into the branch on 2/20/2024 with **********. He presented court notarized documents for the conservatorship and ************** ID so we could verify her. He stated that ********** had been living with him since summer 2023 due to her health. **************** stated ********** no longer resided in the home address listed on her acct. The conservatorship named no one else as conservator. 

  Since January 2024, **************************** *** has come into our branch trying to add himself to his mother, *********************** account. On multiple occasions, he was told he would not and could not be added to her accounts. This was due to the member, **********, never being present. The documents *************** presented were filled with misspellings and missing pages. Several employees attempted to reach ********** to verify validity of ***********'s statements. We were unsuccessful at every attempt. *************** continued to come into and call the branch almost daily to be added to her account. He told us his mother wasn't able to come into the branch because she moved to *****, but they needed to get a hole in their house fixed. We then suspected elder abuse, due to no one being able to reach **********. We reported the case with reasoning to **************** Services. The agents made several attempts to reach **********; including going to the address on file multiple times. There was never an answer at the house or by phone. *************** called in and spoke to someone in our call center and was able to convince them to change the phone number and email address on file. Once this was done, he left a message with the agent requesting a call back from management. I called *************** back and told him we would need to speak with **********. He said she was in the bathroom. (Despite saying she moved to ***** days prior). Minutes later I received a call back from a woman claiming to be *******************. The woman stated she needed to add her son to her account, but she wasn't able to come into the branch to do so. She stated that the address on file was correct and that's where she lived. (Which was confirmed to be false by **************** Services). I told the caller ********** would have to come into the branch to do anything further with the account. I informed the call center and branch employees of the suspected elder abuse so they would be on alert if *************** came back into the branch. In the days following, I received emails from several different email addresses claiming to be ******************* or a relative or hers. 

  Once the account was closed and all funds were disbursed on 2/20/2024, this complaint was filed with the BBB. We are responding to this complaint because we know *********************** is not the person submitting this complaint, as she was in our office on 2/20/2024 to close out her account. We strongly believe it is her son, **************************** *** taking any measure possible to gain access to his mother's money. 

*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. ↩