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Consumer Affairs

California Credit Union

Consumer Complaints & Reviews

April of Whittier, CA on Feb. 20, 2009

i was homeless and was having trouble paying my loans. I then got an apartment and paid money to both my loans and called the representative to give them my new address and phone number. I was also 8 months pregnant and they knew all about my situation. Later that night they sent a repo service to pick up my car.

I then called the credit union and they told me that the supervisor took the money that I had applied towards my vehicle loan which was almost paid off and applied to another loan that I had there with them. This enabled them to repossess my vehicle. I thought that this was a sneaky underhanded way of doing business since I was always upfront with them.

Since I was 8 months pregnant I had to take the bus to all my doctors visit and I had to take the bus to have my child. I was very upset about all this and it caused me to go into labor early. I had to have an emergency c-section. Also I had to find a ride home from the hospital and i had alot of trouble with doctor visits for the first six months since I had to save up to by a vehicle because they ruined my credit. I want my car back and It's long gone now.

Jacqueline of Inglewood, CA on Jan. 30, 2009

Update! Now the force place insurance was all was back dated when asked how can you back date insurance I was told the criteria is different for company's.I never received a policy a break down of the insurance what the fees was for.Original charge of $3300 for a year now when canceled a charge of $2350 from 04-29-08 to 11-12-08 and from 11-13-08 to 4-29-09 how is that I on get a credit back of $950.They will not refinance me saying the is not worth what is owed on the car.

Then I ask if they could defer the November and December payment so I get back on track and they said no they only give one deferment for the life of the loan mine you this is and 84 month loan which makes no sense. So I ask if they could adjust the payment and put the the extra moneys at the end of the loan so I can afford to keep the car I was once again told no because the loan is upside down and then they would have to rewrite the contract and they couldn't do that. So they froze my account so I could not make withdrawals or payment out of my account until my delinquency is caught up they sent back my bills unpaid now I have return fees.I have direct deposit how am I to provide for my family if i can not use my account

Jaccqueline of Inglewood, CA on Jan. 14, 2009

I have and auto loan with the credit union my loan started July 08,2005 at 19,773.20. and the payment amount of 347.85 for 84 months . When I called in October to find out my payoff balance, it was almost $23,059.67!!! They said due to late payments and insurance they placed 6-2008 on the car which had been back dated with interest to 4-2008 that cause the car payment to go up to $612.88. I have show them that I had insurance on the car they gave me a partial credit but the car payment only went down to $512.00 which is not the original payment of 347.85.

When I tried to discuss the issue with several employees (Jennie, Meco, Delia) for and explanation here I am 3 month later still trying to get answer. Now I get a letter saying my car would be repossession if I dont make the payment of $1,736.68 within seven days. Bottom line the amount of the car is not going down its go up and at this rate at the end of the loan in 2012 the car want be paid for.

The car payment is to much from $347.85 to $512.00 I can't afford that.The financial and emotional distress that this has caused is overwhelming

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