ComplaintsforFirst Community Credit Union

• Initial Complaint

  09/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have been a member of this bank, First Community Credit Union in ********,mo. for many years, have direct deposit and have never had any problems Due to unfortunate events I was 30 days late on my car loan. At 40 days I paid in full both payment that was due. I am not behind on it at all. I have not been late on my credit card which is with the same bank as my car loan. The bank without any notice to me closed my credit card account because of the car loan being late. I feel this is very unfair treatment as it is going to hinder my credit for a long time. As this credit card has a higher limit and I have had it several years. It is going to throw my debit to income way off and will take several years to repair my credit from such act. I am requesting this be investigated for poor business conduct and my credit card be reinstated.

  

  Business response

  09/19/2024

  **** ********* vehicle loan was over 30 days past due, the contract contains a cross-collateral clause provision, since the vehicle loan was delinquent, the credit union has the right to remove credit lines (including credit cards) when a loan goes over 30 days past due.  In this case Mr. ********* was sent letters and a phone call was made, but there was no arrangement made to bring the loan current, as a result the credit card line was removed.  The closing of the credit card has no effect on his debt to income, if 6 consecutive payments are made the card can be re-opened. 
  

  Customer response

  09/20/2024

  Complaint: 22305406
  
  I have reviewed the business' response and am rejecting it because:  during the time I was past due on the car loan I was in full contact with the bank. And it was brought current on the date I promised.  And from what I can tell my credit card was canceled after my car loan was brought back current.  

   

  2nd. I have spoke with transunion for clarification of the effects from my credit card being wrongly closed.   They told me it will be a huge impact (upto 50 point reduction) because it is an older account (i have had this card several years) that is now closed. So it changes my "revolving debit history" dates.   And it gives future creditors a false impression/inaccurate presentation of my credit report.   

  
  
  
  
  Sincerely,
  
  **** *********

  

  Business response

  09/23/2024

  There was no promise to pay, on August 14 a letter was sent,on August 21 another letter was sent, on August 28 the credit union made a phone call and left a voicemail, there was no response, on August 29 a legal notice was sent.  Payment was made on August 30, when the account was over 30 days past due, but no contact by Mr. **********  On the second point,removing a revolving credit line can have an adverse effect on a credit score,in the initial complaint a reference was made to debt to income, there is no impact on that, but closing a credit line does have an effect on a credit score.  It is a negative consequence of not paying on time.  As far as future credit, that would be up to an underwriter as to whether they want to take a risk, but this gives no false impression, it is simply a closure, which can be re-opened if six consecutive payments are made. 

  Customer response

  10/02/2024

  The bank keeps referring to closing my credit card due to not paying on time.  But my credit card was not late.  It was the truck payment that was late and I had a 8 minute phone conversation with the bank on August 20th explaining my situation and provided a promise to pay by August 30th. And I followed through with that promise.  

  In their response they acknowledge the closure of this card does have a negitive impact on my credit score.  Considering my credit card is completely unrelated to the late payment of the truck it is misleading and causing unjust harm to my credit. According to the **** there is no law against this.  That does not mean it's the right thing to do.

• Initial Complaint

  07/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 7/24/24, I had a loan company withdraw payment earlier than agreed upon, causing an *** fee to be applied by this financial institution. This issue has happened in the past to which they have be understanding and accommodating.However this was not the case on 7/24/24. I had called in once again due to my account being negative. I spoke with a representative, who stated that I would be refunded the *** fee. This never ended up happening.This was the only money I had left and will now have to go without eating due to this blatant lie.

  

  Business response

  07/25/2024

  We apologize for the inconvenience.  The fee has been refunded now.  Thank you for bringing this to our attention.  The representative that assisted you did notate your account that the fee was refunded and then was interrupted by another phone call and just simply forgot to post the refund yesterday.  

• Initial Complaint

  06/11/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not for this debt and i do not have the contract with FST COMMUNITY CU MISOURI plus they do not provide me with the original application liked i asked

  Customer response

  06/25/2024

  Please see attached authorization letter.

  

  Business response

  06/27/2024

  Our records indicate *********************** has applied for and opened two loans with First Community Credit Union. The first was an unsecured personal loan opened in October 2016 and paid in full in October 2020. The second was a vehicle loan that was opened in January 2018 and paid in full in February 2024. Copies off all signed documents regarding these loans are available to be picked up at any of our local offices. Copies can also be requested in writing to ******************************************************* or verbally by calling *************.
  
  

• Initial Complaint

  06/04/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Please assist me in understanding why First Community Credit Union refused to submit the Spectrum payment of $70.91 on May 13, 2024 when there was a balance of over $100.00 available? Then, a few days later an second billing was submitted for the same amount and was again submitted and again there were sufficient funds to clear it. At least three times since May 13th Spectrum, through their billing company, Forte, has caused me to acquire nearly $100.00 in overdraft fees because First Community failed to clear the payments when there were sufficient funds. WHAT ARE YOU DOING? ARE YOU BEHAVING LIKE **** OF AMERICA WHEN THEY ONLY PROCESSED OVERPAYMENT FEES WHEN THEY KNEW THERE WERE NO LONGER ENOUGH FUNDS? This is very saddening to me as my income is extremely limited. I am on Social Security Disability and receive less than the monthly average amount.

  

  Business response

  06/05/2024

  On May 13 at 5:40 am (when Spectrum attempted to pull $70.91) there was a balance of $104.99, but the available balance was only $62.22 due to pre-authorized transactions to ********** that had yet to clear.A $27.50 UCF fee was created by the system due to an insufficient available balance to clear the $70.91 ACH.
  
  On May 17 at 5:39 am (when Spectrum attempted to pull $70.91) there was a balance of $75.01, but the available balance was only $58.61 due to a pre-authorized transaction to Amazon that had yet to clear. A $27.50 UCF fee was created by the system due to an insufficient available balance to clear the $70.91 ACH.
  
  Five NSF fees totaling $137.50 were created by the system between 5/242024 and 5/30/2024 for transactions that were authorized by *********************** with an insufficient balance to clear them. On 6/52024, at 8:06 am, *********** called and was granted a refund on all five of these fees as a one-time courtesy. 

• Initial Complaint

  04/18/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  On November 30, 2023, when I thought I was making a valid online purchase, my **** debit card was breached by a malicious website, getting my home address and card information. ****'s fraud software detected the breach and deactivated my card. A couple days later, First Community(FC) called me to ask if the purchase was valid, I said, "to the best of knowledge, yes", as I awaited delivery. So FC unwisely reactivated my breached card. Then a day or so later, several charges appeared against my card. There were 3 online services which could not be cancelled, and 2 *** "toys"(a female ******** and a *** doll) which were later delivered to my house. About $400 dollars in total fraudulent charges in this obscene-tainted phishing scam. Initially, **** and FC did refund the entire $400. But in a final ruling, FC withdrew the refund for the $200 of *** toys, assuming that these were valid purchases because they were delivered to my house. FC does not understand that the purpose of this phishing scam was not to get money, but to just humiliate and defame. The assumptions FC is working with is that I am a sexual pervert of some sort! As an accomplice, FC aided and abetted these online scammers. I called FCs digital finance department to reinstate the refund for these 2 *** toys(still sitting in their packaging). But FC refused the refund, and refused to even contact ****, though **** advertises a zero liability policy. FC knows these *** toy purchases were fraudulent because according to their own research, the originating email for the *** doll belongs to a 74 year old woman in *********, **. I can deliver the unopened *** toys to FC, and they should live up to the zero-liability policy. Emailing **** did not help, saying this is just a FC issue. Before, I contact the ***** US post office(this is a mail fraud crime because **** delivered the packages), **** and the Missouri attorney generals office, I am hoping BBB can help without further embarrassment to FC.

  

  Business response

  04/19/2024

  We received your email dated 2/23/2024 in reference to the dispute.  We issued credit to your account for $90.99 and $108.00 on 2/28/2024.  We left you a message and sent you a letter regarding the credits.  We did miss the refund of the international fees of $.86 and $.72.  An additional refund of $1.58 will be deposited into your account to make the full restitution.    

  Customer response

  04/26/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.  

  Though it took me a bit of effort to get First Community and **** to live up to their advertised policy and refund the purchase price in dispute, because I still wish to continue my banking with First Community, it is best that my original complaint is not made public.  In my estimation, the details involving *** toys should not really be on a public website such as BBB.org unless really necessary.  In this case, I think it better to withdraw my complaint or do what has to be done so this somewhat embarrassing situation is put to rest, out of public view.

  Sincerely,
  
  *****************************

• Initial Complaint

  02/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I received a gift card from my bank First Community Credit Union of **************, ** in July of 2020. The amount of the gift card was $800.00. The expiration date listed on the card is 7/26. CUMONEY is a company that is used by First Community Credit Union and is their "GO TO" for gift cards. ******* withdrew $135.00 from the gift card by charging $5.00 per month that it was not used after 12 months.FIRST COMMUNITY CREDIT UNION are aware of the "dormant charges" of $5.00 a month for lack of use within a 12 month period of time. First Community Credit Union has built its' business on "fairness and frugal practices when advertising and supporting their clients.. First Community is endorsing and using this company which clearly has tarnished their reputation. I will never purchase a gift card from First Community Credit union as the gift will most likely go to CUMONEY charging a fee. i wonder if First Community Credit Union gets a portion of the monthly dormant fee? Please read the complaints for ******* and reviews on the BBB website.

  

  Business response

  03/01/2024

  The inactivity fee is clearly posted on our website and on the disclosure included with the purchase of the card. We are a reseller of the card. The inactivity fee is charged by *******. First Community Credit Union does not receive any portion of those funds. As a gesture of goodwill, First Community Credit Union will deposit $135.00 into your account with us as reimbursement.  If you have not depleted the funds on the gift card, please do so as soon as possible to avoid any future inactivity fees being assessed by *******.

  Customer response

  03/11/2024

  To:  First Community Credit Union
  Thank you for getting the issue resolved in a timely manner.
  Sincerely,
  ******

• Initial Complaint

  02/17/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have a credit card with First Community Credit Union for a very long time. I have points that I get from making purchases with their credit card and have redeemed them before for merchandise. I have points going to expire in March and see nothing on their site to get because the choices have dramatically have gone down. Site - ********************************************************) I wrote them back in January 2022 and was offered very little help back then in redeeming my points for merchandise but I was able to finally find something. Since last time in 2022 the merchandise options have become even less and the search is terrible. I cannot find anything I need to purchase with my points. At the very least they should have gift cards to places like *******, **** *****, ***** *** * ***. They only have gift cards for Avis and Budget car rental. I looked back on my old orders and they did have Gift Cards back in 2017 and 2018 for IHOP, **** ***** and Barnes & Noble and every 1000 points was worth $8.00. Now from what I can tell for every 1000 points it is able $7.62 worth of merchandise. I have been contacted **** ******* on 2/15/24 but he had no other options for me to redeem my points.

  

  Business response

  02/20/2024

  Our credit card rewards program is built around a credit card with a low fixed APR of 11.9%. The rewards program does not include cashback or the requested gift cards.  Merchandise offerings and redemption rates are administered by Choice Rewards.  Credit Union members have access to the same merchandise and redemption costs as all clients of Choice Rewards. 

  Customer response

  02/22/2024

  Complaint: ********
  
  I am rejecting this response because: The choice of rewards is becoming less and less and I cannot find anything that I would want to redeem my points for. You give me points to redeem for merchandise but offer so little merchandise to select from that the points are meaningless. If this does complaint from the BBB does not work I will be contacting the Missouri Attorney General next.
  
  Sincerely,
  
  **** ******

  

  Business response

  02/26/2024

  We have attempted multiple times to make contact directly with the member to resolve the issue and have not received a call back.
  

• Initial Complaint

  01/26/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ***** tried to pull $13 from a bank account we do not use, i did not authorize this charge from *****. First community blocked the charge (not paying it) did not even contact me and decided to charge multiple $28 insufficient fees to the account which again never gets used, my husband went to put his check in our normal checking because obviously times are really hard we have two little kids and the money was for essentials to live on and to pay our bills but no first community took the 101.85 from his check and when i called and asked about it the lady on the phone dismissed me and was beyond ignorant with zero solutions and just telling me they have every right. I am now at the point of an anxiety attack and crying because we needed that to survive right now and its $101.85 for a $13 charge. I will never bank with them again and if anyone else has to experience this i hope they get a lawyer.

  

  Business response

  01/29/2024

  On 1/27/2024, First Community Credit Union waived the four non-sufficient fees totaling $110.00 and credited that amount to the account. The subject dormant account is now closed which will prevent similar incidents from occurring in the future.

  Thank you.

  
  

• Initial Complaint

  01/12/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Multiple late fees on my accounts, closing accounts and still charging interest fees, repoed my car for 2 payments, which I had an arrangement to pay, which they claim they have no note of or phone call about, and now they are refusing to let me pay the past due to get my car back. They are saying I have to pay the full amount of the loan.

  

  Business response

  01/16/2024

  First Community Credit Union made numerous efforts to avoid this situation with the member, including numerous phone calls to establish payment arrangements and periodic letters notifying the member of their delinquency and possible repercussions of not paying in a timely manner. Legal notices were sent on the account multiple times, the most recent of which was never satisfied. Based on the status of the account as a whole and conversations with the member regarding the circumstances that have caused the delinquency, First Community has decided that it is in its best interest to require the member to pay the loan off in full to redeem the vehicle. Per Missouri law, the member will be given 10 days to provide funds to pay off the loan. 

• Initial Complaint

  12/26/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  This is regarding abusive behavior taking place at your Cottleville branch where the clerks decided to engage in insulting snickering about myself along with an older man who came in with his wife and had the license plate ******. This is abusive juvenile behavior I want to have addressed immediately. I have already left the phone call regarding this behavior which I want addressed by an authority outside the branch is that that was weirdly psychotic to see by around 4 clerks with a customer engaging in it as well. This is a harassment lawsuit waiting to happen with them all and happened today 12/26 around 3:50pm this afternoon.

  

  Business response

  12/28/2023

  We have contacted the member and are resolving this issue directly with the member.

  Customer response

  12/29/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and the dispute has been decided to have been the result of actions of two unrelated parties and will be handled accordingly. 
  
  Sincerely,
  
  ****** *******

*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. ↩