ComplaintsforWright-Patt Credit Union, Inc.

• Initial Complaint

  03/04/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I have been a victim of cloned debit card, 3 times in theast 6 months. I'm a member of wright patt, and there fraud Prevention couldn't even stop a false transaction of 2 equal amounts of 388$. The business in the transaction was a online ( I believe) from fandual. I DONT EVEN GAMBLE!!!!! I just had gotten this card , because less than 2 months ago, someone cloned my card and used tried to use it as t a grocery store, less than 5 miles from me. My wife banks with cinfed and we've been together 4 years. Never knew has she had a cloning issue. And it makes me feel that that bank is safer security than wright patt!!!!!!!!!!!

  

  Business response

  03/08/2024

  Thank you for reaching out to us about your concern ****. I am happy we were able to discuss security as it is an ever pressing matter these days and the protection of our information is important. I am glad we were also able to connect and discuss our research, options and resolution. We have investigated the cause that led to your debit card issues and have worked with you to problem solve the possible areas of vulnerability. Once again I can't thank you enough for taking the time to express your concern with me. If you experience further issues or have further questions please reach out to me at my contact number and I would be happy to work with you.

  Warm Regards,

  *** ********

  Member Experience Analyst

  Wright-Patt Credit Union

  Customer response

  03/11/2024

  
  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.
  
  Sincerely,
  
  **** *********

• Initial Complaint

  02/05/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My card was shut off without my permission and after hours and now no one will answer it for the whole weekend to turn it back on so now we must go all weekend without food with 5 children

  

  Business response

  02/16/2024

  Hello *******, 

  
  Thank you for contacting Wright Patt Credit Union (WPCU) with your concern. We have attempted to reach you to gain more feedback and ensure your concerns have been addressed. We see that you were able to connect with our Member Help Center on February 5, 2024, to research your card concern and have the card active for use again. We have confirmed at that time, your card was unblocked and ready for use by the WPCU representative. If you are still experiencing issues with your card since this interaction, please contact me and I would be happy to assist. 

  
  Thank you for being a valued member of WPCU!

  
  Abby Prichard
  Member Experience Analyst
  ************ *** ****
  

  Customer response

  02/16/2024

  
  Complaint: ********
  
  I am rejecting this response because:

  It wasn't handled properly. My card was shut off without my consent on a Saturday afternoon and when I called multiple times was told there would be not help until the following Monday. Leaving our family of six with no way to purchased food or my children's medication until that Monday
  
  Sincerely,
  
  ******* ****

• Initial Complaint

  01/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Acct Name:WRIGHT PATTERSON CRDT Amount:$57 Date Opened:9/18/2014 Acct#***************** Please DELETE the fraud Account from my credit Report does not relate to any transactions that I have made. The credit bureaus keep disrespecting the law . I have showed them multiple times how they are violating the FAIR CREDIT REPORTING ACT . According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus don’t have no written permission According to 15 USC 1681 have the right to privacy According to 15 USC 168s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.

  

  Business response

  01/16/2024

  Good morning ********,

  Thank you for contacting us with your concern. I have attempted to reach out to you via the phone number in our records as well a few other numbers on file and have not been able to connect. I am happy to go through information and review possible resolutions with you at your earliest convenience. Please contact me at ***** ******** *** **** and we can work through this together.

  Sincerely,

  *** ********
  Member Experience Analyst
  Service Excellence
  Wright-Patt Credit Union, Inc.
  Phone: ***** ******** **** **** 
  
  “Save Better. Borrow Smarter. Learn a Lot”
  

• Initial Complaint

  12/27/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I requested Accounting records 3 months ago in accordance to gaap in reference Account Number: ******xxxxxxxxxxx I was ignored several times and my consumer report states the account was charged off and they’re still attempting to collect in the amount that was charged off, this has given me a suspension of fraudulent activity.

  

  Business response

  01/04/2024

  Dear *** ******,

  Thank you for submitting your feedback. I appreciate the opportunity to help in this time of trouble. I have enclosed a letter from our credit reporting team that will address the issues that you raised. If you have any further questions about the matter please don't hesitate to reach out to me or my team at Wright-Patt Credit Union.

  Warm Regards,

  *** ********
  Member Experience Analyst
  Service Excellence
  Wright-Patt Credit Union, Inc.
  Phone: ***** ******** **** **** 
  

  Customer response

  01/29/2024

  Hello Good evening,

  
  

  I check I didn’t see a response from Wright Patt Credit Union. But far as my consumer report not changes have been made to my knowledge. 

  

  Business response

  02/12/2024

  Hello ****,

  Thank you for your feedback. I have attached the file to this response that includes WPCU's response of how we have addressed your concerns. I will also email and send you a physical copy to the address that we have on file for you to ensure that you receive it. WPCU has addressed this concern relating to your specific account, however it can take 30 days for that to reflect on your consumer report. If you continue to experience issues, please contact us directly to address any further concerns.

  Sincerely,

  *** ******** Member Experience Analyst
  Service Excellence
  Phone: ***** ******** **** ****
  
  

  Customer response

  02/22/2024

  Hello, Wright Patt stated it would be removed off my consumer report up to 30 days. It hasn’t came off yet it’s been 10 days since they notified me of that

• Initial Complaint

  12/26/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I worked with this lender to secure a loan for property. During the process I was asked to open an account and fund it with $500. The lender selected to go to an appraiser and their selected vendor provided an appraisal amount $70K below asking proce. All parties agents fought the appraisal and supplied comps that indicated the value of the property was much higher. The lender's appraiser remained with their original low ball value. This scutteled the deal. The lender then proceeded to charge me $450 for the appraisal even though we are not closing on the loan. I was not notified of this charge, I was not informed I would be responisble in any way, they simply withdrew this amount from the account they asked me to open without consultation. I feel this is a direct cash grab, this lender should bear the cost of their disatorous appraisal vendor, not I, how else are they to learn not to utilize the instituition in question? In addition this disater cost us our opportuinity to purchase this property. I want Wright Pat to refund this appraisal fee back to me. I also want to know why it is ok for them to ask for me to open an account to facilitate a loan when this is the exact behaivor other lendors have been sanctioned and fined for. In addition they are now attempting to keep the remaining $50 inmy account by not allowing me to close the account. They opened everything online and there is no branch within 50 miles of me, I should not have to travel to one of their branches to do anything.

  

  Business response

  12/28/2023

  Good Afternoon *** **********,

  Thank you for speaking with me yesterday. I appreciate the opportunity to better understand your complaint and do what I can to advocate for your situation.

  It seems your complaint centered around the following items – 

  1. Your experience with the appraisal - the final value and the cost and timing of the appraisal deposit.

  2. The account opening requirement and the ability to close the account.

  First, after reviewing your situation, we have decided to refund the appraisal deposit back into your Wright-Patt Credit Union (WPCU) account.

  Second, since we are a cooperative, any loan or deposit account that is created through our organization requires you to be a part of the cooperative. This requirement is not intended to trick you into additional services, it is only meant to ensure you meet the qualifications of a member, and therefor can receive WPCU services. In short, you must live, work, worship, or attend school in a county we serve to become a member.

  Lastly, you mentioned to me that you were unable to close the account after this experience. You are correct that the online portal, which I believe you were using, does not have that ability. It is an activity that you must come to a location or contact us via phone to complete. I received your request via phone when we spoke yesterday and was happy to close the account and send the $500 in total via check back to the address on file. This action has been completed and you should be receiving this check in the mail shortly.

  Thank you again for bringing this matter to our attention. If you have any additional questions in the future, please do not hesitate to contact me directly.

  Thank you,

  ***** ****
  Service Excellence Manager
  Wright-Patt Credit Union
  ***** ******** **** ****
  ***************

  Customer response

  01/18/2024

  Consumer emailed BBB the following information:

   

  Yes ma’am - this has been resolved.  I appreciate your follow up greatly.

  
  

• Initial Complaint

  12/07/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am writing to you as an informed consumer and an aggrieved applicant, in reference to the denial letter I received from Wright-Patt Credit Union titled "Notice of Action Taken and Statement of Reasons" in response to credit application #3313933. The statement cited "Escalating Debt" and "Limited Positive Credit History" on my personal credit report as the reasons for choosing not to grant my request for a vehicle loan. Both reasons are a result of me exercising my rights and was done in good faith. Your decision not to grant my request for a Vehicle Loan is an Adverse Action per 15 USC § 1691(d)(6) which defines Adverse Action as a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. It further clarifies that such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. Furthermore, I believe that this Adverse Action constitutes Discrimination and is in direct Violation of Federal Law pursuant to the Equal Credit Opportunity Act, in 15 USC 1691(a)(3), which states that it is unlawfulfor any creditor to discriminate against any applicant because the applicant has ingood faith exercised any right under this chapter. If we are not able to privately rectify this issue, I will be seeking to invoke my right to Specified Remedy of $10,000.00 in Monetary Relief for punitive damages, pursuant to 15 USC 1691(d). The above-mentioned Violation of Discrimination has a civil liability pursuant to 15 USC 1691(e)(a) (b), which states that any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. I would also like to take this opportunity to make a FOIA request for a certified copy signed under the penalty of perjury of the denied application, as well as any of the financial accounting records in accordance with GAAP that are connected to the application submitted. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I will be seeking a minimum of $10,000 in damages for such violation of discrimination pertaining to the Equal Credit Opportunity Act for me having exercised my rights in good faith in different aspects of credit transactions. Please Note: This notice is an attempt to collect remedy and any information received from you will be collected as evidence should any further action is necessary. This is a request for remedy only, and is not a statement, election, or waiver of status. My contact information is as follows: Brivoy Express Trust d/b/a ***** ** *****, ttee *** ****** *** *** *** ******* ** ***** SSN ********** P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below: Consumer Financial Protection Bureau **** *** **** **** ***** **** *****  Bureau Of Consumer Financial Protection **** * ****** ** *********** ** *****  Ohio Attorney General's Office ** ** ***** **** **** ***** ********* ** ***** BBB of Dayton & Miami Valley ** ** ****** ******* **** *** ******* ** ********** See Attached

  

  Business response

  12/08/2023

  Hello *****, 

  Thank you for reaching out to WPCU with your concern regarding your recent loan application denial. Attached you will find a letter describing what we have found. At this time the application remains declined and we can assist with more detail if you would like.

  We would be happy to answer any further questions and explore further options at your convenience. Please reach out to us to discuss.

  Best Regards, 

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

• Initial Complaint

  12/06/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not alliable for this debt with ******* **** ************* i do not have contract with wright-Patt credit union . the did not provide me with the original contract as I request.

  Customer response

  12/06/2023

  I have paye off this 

  Customer response

  12/06/2023

  I have paye off this 

  

  Business response

  12/06/2023

  Hello ********,

  Thank you so much for taking my call today. As we discussed, a Verizon item on your credit report is not something WPCU will be able to adjust, even though it is reflected in our credit monitoring service in your Online Banking. However, we discussed some steps toward solving this issue and I am happy that we were able to connect.

  Please let us know if there's anything further that we can do to assist.

  Kind Regards,

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

   

• Initial Complaint

  12/04/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I had placed a food order thru Uber eats In September..I have been customer of Wright Patt credit union for May years had few loans etc… but never been so disappointed with credit card dispute in my life .. We had placed an order for food thru Uber eats as mentioned and the order was I’m complete by half ..In other words half my food was missing I immediately got hold of Uber eats and advised them of my issue at which time they told me they could not help me .. It was Uber eats that took my money for a delivery service which was not fulfilled ..I told Uber eats I would go thru my bank and they would see the issue and make things right … Well I honestly feel Wright Patt visa stabbed me in the back .Uber eats disputed my claim of incomplete order and my credit card company sided with them .. I think I will be looking for another credit union at least one that will stand by its customers .. Very very upset very rarely have I had a dispute … I filled my complaint talked to few different customer service reps that seen my issue and agreed there should have been a refund .. They gave me a refund them turned around and took it back ..

  

  Business response

  12/08/2023

  Dear ******, 

  Thank you for taking the time to speak with us regarding your concern. We appreciate your patience as we researched this matter, and we are happy that we were able to find a resolution. 

  Please let us know if you have any additional questions or concerns.

   

  Best Regards,

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

  Customer response

  12/08/2023

  Wright Patt Credit Union addressed my issue with fast polite resolution.. Though the issue was not necessarily an issue on their end the fixed the problem with no hesitation or delay ..Wright Patt is hands down the best financial institution around .. THANK YOU VERY MUCH WRIGHT PATT ASSOCIATES… 

• Initial Complaint

  11/28/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Wright Patt allowed a merchant to charge my card $283.00 for Wix.com. The merchant charged my card 3 years worth of service that I did not sign up for. I file a dispute and Wright Patt is refusing this as fraud. I told them I did not sign up for this service. The merchant claim I enrolled in 2020 but I did not. I never enrolled and now they are take 3 years worth of services from my card. That does not make sure. Wright I refusing to assist and is allowing people to take money from my bank that I did not approve. I will be taking this to court if this is not resolved.

  

  Business response

  12/08/2023

  Thank you for taking the time to work with us *******.

  We have spoken directly about your issues with the dispute handling and have resolved them to your satisfaction. I appreciate your patience and am happy to have been of service to you along this process. If you have further questions or concerns feel free to reach out to our WPCU team and we would be happy to work with you.

  Best Regards, 

  *** ********

  Member Experience Analyst

• Initial Complaint

  11/16/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Sept 4th, 2023, fraudulent charges were made on my WP Visa Debit card. I have a letter from Walmart.com stating that my personal information was hacked including my WP Visa card and they will not refund fraudulent charges. I have provided this information to WPCU dispute services; however, they will not consider a dispute after many attempts and hours of phone calls and many different stories from many different WPCU associates even after this admittance from Walmart.com saying that these purchases were not made by myself. A police report was filed. And I will be disputing this with Walmart.com on BBB as well.

  

  Business response

  11/22/2023

  Good Morning ***,
  
  I was so grateful to speak with you and better understand the fiasco you have been dealing with over the past few months. As I said on the phone, I will make absolutely sure you get the funds back in your account. Thank you for sending over the evidence of your claim as well.

  If you have any questions in the meantime, please reach out to me.

  I hope you have a wonderful holiday!

  Thank you!

  -***** ****
  Service Excellence Manager - WPCU

*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. ↩