ComplaintsforVirginia Credit Union, Inc.

• Initial Complaint

  04/27/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Virginia credit union is committing securities fraud. I have my TILA and bill of sale from the car lot which is inaccurate, we were under duress and have the right to rescind the consumer ****************** are trying to repo my vehicle when in fact my social security number payed for the vehicle. They did not explain the security agreement and we were rushed into signing not fully understand how the charges came about and why they are denying me my rights: They are not following the laws or constitution as far as transferring the security to the treasury monthly, so I will be filing suit.

  

  Business response

  04/29/2024

  We are in receipt of this complaint. In the interest of protecting our members privacy,we will address the matter directly via written response within 7 calendar days. For further information, please contact our member directly.

  Thank you,
  Virginia Credit Union

• Initial Complaint

  04/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Im not liable for this debt with Virginia credit union because I completely paid it in full April 2021.my loan and line of credit is completely paid off. On credit report it still shows as a non payment .

  

  Business response

  04/12/2024

  We are in receipt of this complaint. In the interest of protecting our members privacy,we will address the matter directly via written response within 7 calendar days. For further information, please contact our member directly.

  Thank you,
  Virginia Credit Union

• Initial Complaint

  01/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been charged nsf fees that O should not have been charged. Double . For example my balance in over draft fee will be 140 and my account balance was ****** negative..I was charged 4 o er drafts of ***** which is ****** in fees and ***** remainder negative balance it does not make sense and the management is unable to explain how I have 4 overdraft fees and which transactions math each overdraft fee

  

  Business response

  01/18/2024

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response within 7 calendar days. For further information, please contact our member directly. 

  Thank you,
  Virginia Credit Union

• Initial Complaint

  12/22/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have been with Virginia Credit Union for over 20 years. I removed a large sum of money recently since I realized I was not gaining any interest to speak of and at another banking establishment I would earn almost 6%. I had a few auto drafts that I must have forgotten about and one came through and was covered for a fee of $20. I work 6 days a week, almost 10 hour days. So, as soon as I reviewed the electronic notice from VACU, I quickly sent $1200 from another bank and reviewed what auto drafts were connected and rerouted them. Though, the EXACT SAME DAY that the $1200 was received by VACU , another auto draft was paid and I was fee'd an additional $35. I asked politely via MEMBER SERVICES WEBMAIL and was sent a form letter, stating, "we collect fees to cover expenses, blah, blah and we will not remove yours. So, I sent back, ok, if you will not remove then cancel my accounts. They did without question. Really? 20+ years? So, I called **************** 12/4 and was met with poor service and told the same info as the electronic form letter, previously sent to me. I then called another day 12/5 and service was better and took my complaint and request for MGR call back. Several days later 12/8 I received a call from a MGR and she states the same thing as the electronic form letter. So, I requested a VP to call back and have not received that call. I would like to know why my business was not valued... also, I feel like I was fine/red-lined for my account being low on funds. I keep sizeable funds in other banks but use VACU primarily for small, infrequent uses, at the moment. Also, why I have yet to receive a call from a VP, as requested and I would like a refund.

  

  Business response

  01/10/2024

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response within 7 calendar days. For further information, please contact our member directly. 
  
  Thank you, 
  Virginia Credit Union

• Initial Complaint

  12/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  December 12, 2022 my Virginia credit union debit card account was fraudulent charge for ****** by ***** I have no account with ***** which I have explained this to every representative I have spoke with. Va Credit Union been giving me the runaround for over a year about this fraudulent activity.Va credit union representative were telling me that they have filed the fraudulent activity and then I would call to check on the claim and it was never filed. This has happened at least twice. I recently called to check on it once again since I hadnt heard anything from them in over 20 days by email or enotice. The representative told me that it was still under investigation even though it takes only ten business days. The representative then said he would connect me to another department that can give me more hind sight. The people I was connected to had no clue about my situation. I have had enough and been bounce around about money that was taken out of my account.The card was even canceled due to fraudulent activity.

  

  Business response

  01/10/2024

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response within 7 calendar days. For further information, please contact our member directly. 

  
  Thank you, 
  Virginia Credit Union

• Initial Complaint

  12/02/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I had multiple accounts including business checking and a ***************.They change the mobile app to where I had to have two apps one for business o e for personal. This was the last straw having not been happy for a few years (with service mostly) I started the process of moving all my accounts to a different bank. More problems with business checking but finally resolved that. All that was left was my **** Not knowing anything about rules and regulations of a ***************. ( that when I opened 10 years ago I was told I would have the option to take my money out at a 5 year ***** More on that later. So I did everything I was told to do telling everyone I have to do it a way to NOT RECEIVE FEES.After a week and half of my money being completely gone it shows up at my new bank over 2 thousand dollars less than I had. First I was never offered the 5 year thing or at t he 10 year **** for that matter. Which was only two months ago. Then when I contacted to ask why they took it they said the information was disclosed to me. For a bank who's moto is "we got your back" they should have notified me about this charge before just stealing my money. I put $50 a month into this my LIFE SAVINGS so thus amounts to over 3 and half years of my LIFE SAVINGS.

  

  Business response

  01/09/2024

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response within 7 calendar days. For further information, please contact our member directly. 
  
  

  Thank you,
  Virginia Credit Union

• Initial Complaint

  11/28/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On November 9,2023 I came into the branch located *********** and ***********. I paid to have a wire sent to ***************** ***** Bank. The receiving party was Love's Travel Stop. ******* first tried to send the wire on the wrong form. She corrected the form. I gave her the wire instructions and clearly it stated the account number and routing number. to wire the funds to in the amount of $2,243.78. I waited a few hours before calling to make sure the wire was a success. The wire went through but the rep ***** the wrong account number on the form the second time she filled out the form. I have been trying to get my funds back since November 6,2023. I still do not have my funds. I was told an email was sent to ***************** ***** with no response. That was two weeks ago and I still do not have the funds. It was my Bank's error and I need my funds back. The business I am in requires I purchase fuel to operate my truck. Love's has put a hold on my purchase of fuel until the money comes in. I need to purchase fuel and restore my credit with Love's. This is the third incident wherein I have had issues with sending wires. I need a credit to my account reflecting deposit of the funds. ***** call me at ************. I need this issue resolved ASAP. I was also charged $200.00 in return fees due to the issue because the funds were not credited to the right account. I also had to get family to assist me in purchasing fuel. The total cost was $2,881.00.

  

  Business response

  12/01/2023

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response within 7 calendar days. For further information, please contact our member directly. 

• Initial Complaint

  11/28/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Approximately 4 weeks ago, i learned there was fraud alert on my account. Supposedly someone has gotten access to my personal debt card (as well as my business card, from another banking institution, which has been resolved). That part of the problem has been resolved with Virginia Credit Union. Also in November, I did not know i could not deposit another person's check. From what the credit union is saying, that is the current reason, the checking account is on hold. My problem is they are not telling me how this situation can be resolved, so i can closed this checking account. The **************** is not talking to me. i need to know what is going on

  

  Business response

  12/01/2023

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response within 7 calendar days. For further information, please contact our member directly. 

• Initial Complaint

  11/03/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I lost my job couldnt pay my credit card bill. Instead of working with me, like my other credit card companies. After I made a repayment agreement, they sent paperwork to my employer for garnishment. This is causing a financial strain on my finances. I have payment arrangements set up for others. Which is causing a strain. They also put on my credit report it is a loan instead of a credit card debt. Thats fraud.***** to losing my job I had never been late or behind on my payments.

  

  Business response

  11/06/2023

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response within 7 calendar days. For further information, please contact our member directly.

• Initial Complaint

  10/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I discovered in 2020 that an account was opened at VACU in my name (as well as my now estranged husband name). The account was opened in 2019. I contacted VACU in 2020 to report identity fraud. They deemed the account as not fraud since statements were sent to the home. I informed them that I dont get the mail since I work full-time. My estranged husband would get the mail and wouldnt allow me to manage any of our finances. I advised them at that time, to close the account for payments only. That would have prevented him from using the available credit on the account. **** failed to prevent him to stop charging on the account knowingly of my situation. This allowed him to run up the balance from ~3k to 10k. Their negligence has damaged my credit. Also, they wanted me to file a please report. At that time, my estranged husband filed a false criminal report on me. If I would have filed this, he would have filed another false criminal complaint against me to have me arrested again. This is a domestic abuse situation that VACU needed to understand and work with me on but they refused to do so. I received a copy of the docusign application, which does not contain my signature. I am seeking for VACU to clear this account from all the ********************** reporting agencies since I didnt apply for this account. I can provide additional information as to why this has taken so long, but I will not go into it on here. While I havent lived with my estranged husband for over three years, he continues to control my life through the courts and other means. This is a domestic abuse situation and VACU has continued to support those actions.

  

  Business response

  10/12/2023

  Good morning,

  Thank you for your continued patience. Please see the attached letter in response to our members concerns. 

  Thank you,
  Virginia Credit Union

  Customer response

  10/12/2023

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Provide details of why you are not satisfied with this resolution.]
  
  Regards,
  
  ***********************-childress
  
  
  
  
  

*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. ↩