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Education First Credit Union has locations, listed below.

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    ComplaintsforEducation First Credit Union

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    Complaint Details

    Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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    Complaint Status
    Complaint Type
    • Complaint Type:
      Service or Repair Issues
      Status:
      Answered
      I made a monthly payment to **** in the amount of $85.72 on 7/3/2024 using my bank debit card ending in ****. On 7/15/2024, my bank notified me my debit card ending in **** had been used for fraudulent purchases and had been closed. On 8/1/2024, **** reversed back this payment to debit card **** in the amount of $85.72 and received confirmation number ********. Education First claims they have not received the $85.72 to return to my checking account ending in *****. **** claims not to have received this amount of $85.72 back. I filed a Fraud claim on 8/8/2024 with Education First fraud and dispute department. They claim they cannot find it. I filed a dispute with **** on 9/3/2024 with Education First fraud and dispute department. At the time I was told it could take up to 10 business days to get an answer. On 9/10/2024 I repaid **** the $85.72 to stop suspension of service. Neither **** nor Education First Credit Union claims to have the $85.72. It seems to have disappeared into space. I would like my reversed back $85.72 returned to my checking account.

      Business response

      09/19/2024

      After researching this issue, we still do not show the refund from ****.  However, a Credit Union decision was made to make an exception and deposit the $85.72 back into the member's account. This was done on 9/16/2024. The member was notified on 9/16/2024 that the funds will be returned. 

      Customer response

      09/19/2024

      Education First Credit Union returned a Provisional Credit of $85.72 to my checking account.   I will consider the matter closed when the funds are no longer Provisional. 

      Regards,

      ***** ******
    • Complaint Type:
      Customer Service Issues
      Status:
      Answered
      My Education First Credit Union loan was paid off in June 2024 and since that time the balance in my share/savings was @ $19.00. My main interest is to close my account since the loan is paid off. But the credit union refuses to close it because they want a copy of my driver's license. I explained that they have the letter I wrote to close it, written on their letterhead of a monthly statement that they have always sent me for years. When I gave them my account number and ID pass code and my name, it was what I always give to identify myself when I ask for personal information about my account and they don't hesitate to give me any information to my account just telling them over the phone my account number, pass code, and name. But to close my account they require me to send a copy of my personal ID (driver's license) in the mail....from Hawaii (where I now live - over 10 years)? *I don't send copies of my ID in the mail - as Driver's License*

      Business response

      09/16/2024

      We have resolved the issue. Attached is the letter we have mailed today to the member. We have closed her membership and mailed her a check. We reviewed the situation and was able to complete the request.
    • Complaint Type:
      Service or Repair Issues
      Status:
      Answered
      I am a member for 10+ years. I took out a loan, which I paid insurance for. I was behind and the credit union notified credit bureau of late payment. I spoke with *** at Westerville location and was advised to contact CUNA to start a claim. Once my claim was paid, he'd remove the late reporting to credit bureaus. During this time I had a available balance of $44, that was being held, unbeknownst to me. *** explained to me why and I advised to have it put towards my past due loan payment. In the interim my card was put on freeze. I couldn't use my debit card to get credits or deposits. A charge came through for $5 and it was declined and I was assessed a $33 fee, twice, even though I alerted the credit union advising of the freeze on my debit card. I left a voice mail for *** 7 days ago in order to resolve my issue. CUNA brings my account current and I call the Westerville branch manager to complain about *** and my account. Still 4 days later I've not received any calls letters account notices or emails. Today a charge for $25 comes through and of course, another $33 insufficient funds fee. I want all 3 insufficient funds refunded. What's the precedence?

      Business response

      01/28/2022

      Prior to Ms. ******** contacting the credit union, her loan was in arrears more than 30 days.  At that point, her debit card and Overdraft privilege was put on hold. 

      On January 11, 2022, she contacted the credit union and spoke to our Collections Manager.  She asked him to move the funds on hold $44.00 and put it to her past due payments.  She informed our collections officer that she has insurance, and he gave her the instructions to file a claim to bring her loan current.  She was told that once the insurance brought her loan current her debit card, Overdraft Privilege and her credit report would be restored.

      On January 12 and January 18, 2022, a transaction attempted to clear her membership.  Since her overdraft privilege was still on hold, and there were no funds available in her membership, it was rejected, and fees were charged.

      On January 25, 2022, the loan was brought current through insurance, her debit card was restored, her Overdraft Privilege was turned on and the negative on her credit report removed. 

      On January 27, 2022, a draft of $25.00 was paid using her Overdraft privilege because there were no funds available.  A fee of $33.00 was charged to use this privilege. 

      Settlement:
      We have refunded the two $33.00 charges that she incurred during the time she reported the issue and the time we received the payment to bring the loan current. The third charge happened after the issue was resolved.

      The negative was removed from her credit report.

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