ComplaintsforFounders Federal Credit Union

Credit Union

Multi Location Business

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Initial Complaint
10/22/2024
Complaint Type:
Sales and Advertising Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I been with Founders Federal Credit UNION With Good standers of payment history ,have Direct Deposit on a monthly basic practically everything they require to get an Express Loan and with the improvement of my credit scores and payment history possible should be able to get ANOTHER personal loan.However every time I apply for anything after getting approved twice in the pass NOT MISSING NOR BEING LATE WITH ANY PAYMENTS WITH FOUNDERS FEDERAL CREDIT Union ONLY TO BE DENIED OVER AND OVER AGAIN.I THINK ITS A PERSONAL REASON BECAUSE OF ALL THE EXCUSES I'M BEING TOLD.*** EVEN HAD FAMILY MEMBERS CALL JUST TO SEE IF THEY GET THE SAME TREATMENT WITH WORSE CREDIT ETC THAN ME INWHICH THEY WOULD BE WILLING TO WORK WITH ******* TOTALLY CONFUSED.
Business response
10/29/2024
The member was contacted and we discussed the Express Loan criteria and why she did not meet the qualification requirements at the time of application. Ms. ****** requested to proceed with a personal loan application and met the eligibility criteria. Founders will consider this complaint closed.
Initial Complaint
09/20/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I had a business making a payment to my account and ********************** blocked the incoming payment of $500 due to possible fraud. Money was being sent to me!!! How is that fraud? After speaking with 4 representatives I was told there is nothing they can do. I would need to contact sender to have them resend. This is not always possible and not sure theyll resend payment. Founders should be responsible for the funds they blocked. They wont help at all. Seems like a sketchy was to do business and I think they should be investigated on how they conduct transactions.
Business response
09/27/2024
The member was contacted, and this matter was resolved to her satisfaction.
Initial Complaint
07/16/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
The dates I recall have been 06/15/2024, 07/01/2024, 07/15/2024 and they said they will draw out again on 07/30/24.The amount so far has been $483 or more.We had car insurance coverage through the bank but it was to high and the coverage was low so my wife and I found a new insurance company as of 06/07/2024.We have had USSA auto insurance since 06/07/2024, USSA sent founders federal credit union all the documents needed and I sent copies I had, but still they continue to pull money out of our bank account which we cannot afford to pay. **** told me it was insurance fraud for them to still be charging us after we had a new insurance company. Please help us resolve this and recover our money.
Business response
07/18/2024
We have spoken with *************** regarding the lapse in her insurance coverage. We have explained and answered her questions about the addition of ******************************* (CPI) coverage and the resulting increase in her payment amount. She appeared to understand the payment increases for the scheduled payments during the lapse of her insurance coverage. She also appeared to understand the premium will decrease back to the original payment amount once the premiums for the period of the coverage lapse have been paid. Once ************** provided proof of her insurance coverage, the difference in the remaining CPI premium was refunded. If she has additional questions, she will need to visit the local branch, or she may view her account statements in online banking. We consider this matter closed.
Initial Complaint
07/11/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Investigate Fraud and Identity Theft and Illegal Actions by Police Brutality In Character Assination by Refusing To Investigate Criminal Charges Unathorized by Criminal Intent by Manager ************************* And My Requirement is To Refund The Holiday Inn Charges And Block Further **************** Indemnity by Founders Federal FCU Credit Card Issuer *************************** ********** Officer ***** Has Admitted To Relocation in South Carolina by *********** of ************* ***********************. *** Drug Felon From ************************************ Investigate This Observation of Justice in **** Indemnity
Business response
07/17/2024
Founders has made the decision to no longer directly respond to this member. We have addressed these concerns multiple times over the last several years and will not engage the member any further.
Customer response
07/17/2024

I am rejecting this response because:

Investigate With Impunity
Holiday Inn Orlando Illegal **** Indemnity $358 Charges
Required Termination Of Accounts Associated with **** Debit Cards in
Founders Federal Credit Union Issued by Illegal Underground Operation ******************************************* A Criminal under *** ************ For illegal Forgery In **** Credit Indemnity in ** And Florida - Involved is ******************************** in ******* Printing of Conterfiet ******* Passport Indemnity Illegal To AAA Criminal Investigations Fraud Agents in ************* AND Orlando ***

Business response
07/18/2024
Founders has investigated all direct claims related to Mr. ******* accounts on multiple occasions. Allegations made in his most recent rebuttal to our response are outside the scope of any information relevant to Founders or any transaction to which Founders is a party. Founders has exhausted all efforts to provide **************** with a satisfactory response to his claims, and we deem this matter to be closed as it relates to Founders involvement.
Initial Complaint
07/08/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This is a fraudulent account that was reported to local authorities with fraudulent charges they are trying to make me responsible for. Im not paying these charges and they have yet to provide me with the details regarding these charges.
Business response
07/15/2024
Our research indicates that the disputed card account belongs to *************************. The card charges made were determined to be valid. We will mail a letter (attached) to the member that includes a Founders contact for follow up. Founders will consider this complaint closed unless the member can provide additional information to verify his claim.
Customer response
07/15/2024

I am rejecting this response because:

they have not provided the documentation requested showing this account did not have any fraudulent transaction take place. A police and identity theft report was filed. They have violated my rights when it comes to the credit reporting act by not re-investigating this account.
Business response
07/19/2024
We are gathering documents to provide to ****************** in regards to our investigation and decision.
Initial Complaint
05/22/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
The * ***** location incorrectly reported a delinquent account to the ********************** bureau for a balance of $4 on an account that was current. The balance has since been settled yet the bank has not yet corrected the report. Upon attempt to visit the bank manager ***** submit a credit dispute on 5/22, the bank manager had left before the end of the business day after promised he would be there to handle my matter. I am a healthcare worker and had to leave my job for this visit. This was a disrespect of my time and money for a matter that should never have been an issue. I am requesting my credit report is immediately updated.
Business response
05/30/2024
We have verified that the Credit Union's credit reporting is accurate for the account ************** is disputing. We will send a letter to the member since we were not able to contact her to discuss this matter further.
Customer response
05/31/2024

I am rejecting this response because:
Balance was settled 5/3/2024.
Account is currently closed with this bank.

Business response
06/04/2024
We have attempted to contact the member by phone and have provided written correspondence for follow-up. We have determined through our investigation that the credit reporting was accurate based on the amount the member paid towards her balance in office on April 12, 2024, as that amount was not sufficient to satisfy the payment due. That balance has been paid in full and the account is reporting as paid with a zero balance. This complaint will be considered closed.
Customer response
06/04/2024

I am rejecting this response because:
The monthly payment was made and verified by the attendant receiving payment. This account should have not been reported.
Initial Complaint
04/30/2024
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this **** with charter communications, I do not have contract with FOUNDERS FCU, they did not provide me with the original contract as i requested.
Business response
05/08/2024
The following response has been mailed to the member.
Initial Complaint
02/23/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
15 U.S. ****************** liability (a)Individual or class action for actual damages 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.Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than $10,000.15 U.S.C. **** - Founders Credit Union disclosed my bank account information without my consent, which led to the violation of this law, as it pertains to the unauthorized disclosure of nonpublic personal information.15 U.S.C. 6821(a) - Founders Credit Union furnished incomplete or inaccurate information about my closed account, that they on a record line reassured me would not negatively report on my credit report which led to a violation of this law.15 U.S.C 1681S-2 (a)(1)(a) - Founders Credit Union made a falsified statement about my account and failed to investigate and correct the inaccurate information, which led to a violation of this law.15 U.S.C 1681S-2 (b) - Founders Credit Union failed to investigate and correct the inaccurate information, which led to a violation of this law.12 CFR 1022.41(a)(2) - Founders Credit Union made a falsified statement & reported Inaccurate information about my account status and failed to investigate and correct the inaccurate information, which led to a violation of this law.12 CFR 261a.11 - Founders Credit Union disclosed my bank account information without my consent, which led to the violation of this law, as it pertains to the disclosure of system records.Defamation of Character - The statement made about me was false. The credit union falsely reported the account as charge off delinquent when it wasn't. The false statement was communicated to a third party.
Business response
03/01/2024
The member has been contacted to review the details of her complaint. Management is actively working with her to resolve the issue.
Initial Complaint
02/13/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have not been able to make a payment on my car since November. My car was repossessed last Thursday (2/8), which is beyond fair and I understand the reasoning. I called Thursday and was told it would be $1085 to get my car back. I called this morning (2/13) after taking out some loans and was then told that was not the case and that Id actually be charged $12,877 to get the car back. I appealed the decision and they claimed they requested for me to just be able to pay the past due amount, but that it was denied. When they called me back to tell me this, they changed the payoff amount to $12,590. Albeit lower, Im just not understanding how the amount keeps changing and Im being told that I was not promised a rate of $1085.
Business response
02/15/2024
The member was contacted to further discuss the details of her complaint February 14, 2024. We are actively working with the member to resolve this issue to her satisfaction.
Initial Complaint
12/18/2023
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
The debt with Founders Federal Credit Union was paid in full and I am continuing to get marks on my credit score because of it. I do not consent to the debt owed and I find the total to be inaccurate. I request the debt and marks on my credit to be removed.
Business response
12/21/2023
The member has submitted prior disputes regarding this account and each time we have verified the Credit Unions reporting is accurate. The member has not provided any additional documentation to support their claim.

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