Complaints

This profile includes complaints for Delta Community Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Delta Community Credit Union

  3250 Riverwood Pkwy SE Atlanta, GA 30339-6419

  
• 

  Delta Community Credit Union

  3250 Riverwood Pkwy Se # 100 Atlanta, GA 30339-6420

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:02/05/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I just did this now I'm redoing it for whatever reason..I rented a Penske truck August 12th 2021 when I got to the Penske truck dealer in ******** the main hub they couldn't find the key so they told me to come back 4 hours later well I had already swiped my Delta Community debit card when I returned to get the truck nearly 4 hours later I use my *********** card. I returned the truck on the 13th come to find out they debited my Delta community debit card, and my ***********.. Charging me twice I have given them the paperwork three different times at the ********** Branch to the dispute department and they reverse the charges then they reverse them again this is unacceptable I will not accept anything less than refund in my money you've damaged my credit you've hired a lawyer they're calling harassing me. I went again and got another copy of proof that they used both cards now straighten this out get off your a** and give me my money $175.75 plus the damages for damage in my credit this is why I close my account at Delta Community credit Union because theyre dispute department are incompetent human beings!!! if you can't tell that I've been charged twice because you know it came off my Delta card and here's the proof of the *********** again!!!! Fix my credit you damaged I will be pursuing damages and neglect on your part but you will refund my $175.75 ASAP in form of a check sent to the address that's listed ridiculous!!!

  

  Business Response

  Date: 02/07/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ********************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  *****************,Senior Vice President of Branch Delivery and Operations researched the issues noted in the complaint and spoke with ********************** to personally address her concerns and clarify any potential misunderstanding with regard to her dispute. After reviewing the case further and in the interest of a resolution,we have credited ********************** for the transaction in question.
  
  If ********************* has further questions, she can reach ***************** directly at ************. Unless noted to the contrary, we consider this matter resolved.
  
  Sincerely,
  Delta Community 

• Initial Complaint

  Date:02/01/2023

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im a victim of identity theft and fraud. I reported suspicious activity on my account and the company totally disregarded the serious issue when I reported it and that cause over a month of back and forth calling them for answers and help. Once I was able to get through and understand what was going on, they immediately told me that I had to replace funds that was taken from me because I logged into my online account around the time that the activity happened. How else do I suppose to report fraudulent activity if I dont log in to catch it? They sure didnt reach out to alert me of any fraud. So, here I am being accused of scamming myself. One of the agents told me that since the card was used at an ATM with the correct Pin, i am now responsible. The Bank sent my PIN NUMBER IN THE MAIL WITH THE ***** I just recently found out that they do this. Which automatically put every client in jeopardy of fraud. My first card was issued in the branch so I had no ideal anything like this would or could ever happen. My account was compromised on December 6th. I didnt receive an answer until January 10th with no resolution and Im stuck to pay back of my own money. Nothing was taken from the bank because I caught it in time. Whoever did this, took from me! Not them!

  

  Business Response

  Date: 02/03/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  *****************,Senior Vice President of Branch Delivery and Operations researched the issues noted in the complaint and subsequently reached out to ************** to personally address her concerns and clarify any potential misunderstanding with regard to her fraud case. After reviewing the case further, we discovered a few items that needed additional evaluation, which led to the decision to honor the original fraud claim. We have reimbursed ************** and refunded the associated fees that were assessed.
  
  We value *************** business and appreciate her bringing these concerns to our attention. If ************** has further questions, she can reach ***************** directly at ************. Unless noted to the contrary, we consider this matter fully resolved.
  
  Sincerely,
  Delta Community 

  Customer Answer

  Date: 02/03/2023

   
  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,
  
  Jacquanise *****

• Initial Complaint

  Date:01/28/2023

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Any and all funds go back to me

  

  Business Response

  Date: 02/13/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by *************************** to the Better Business Bureau (BBB). We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  We were aware of Ms. ********* concerns prior to her filing with the BBB. She reached out to the Credit Union in late December when her checking account became overdrawn. She subsequently contacted the Georgia ********************************* (GDB&F), and the GDB&F referred her to *******************************, our Chief Operating Officer. *************************** continues to raise two issues: 1) She believes more dollars were withdrawn from her checking account than she spent in November and December following a deposit of $10,014.36 on November 25, 2022; and 2) Funds were transferred from her savings account automatically to settle transactions when the balance in the checking account was insufficient to clear the presenting item. When she deposited the large check on November 25, she immediately transferred $5,000 over from checking to savings through our online banking platform. *************************** initially spoke with staff at one of our branches in **************.The staff later involved *********************, Assistant Vice President of Branch Delivery, as ******************** became angry and verbally hostile while onsite. *** discussed both issues with ********************. He reviewed the transaction history on the account and explained that savings accounts are linked to checking for overdraft purposes as disclosed in Delta Communitys membership agreement and account terms and conditions. ******************** did not identify any unauthorized or fraudulent transactions when asked. She simply believed that she could not have spent what was deducted.
  
  ******* offered to go through her transaction history on an item-by-item basis after the GDB&F put her in contact with him on January 26. He researched the account and documented 202 transactions between November 25 and January 17 totaling $15,015.60 along with 39 merchant refunds and credits totaling $4,209.70. ******************** still questioned the accuracy of this information.
  
  ******* ultimately reversed $315 in fees from her account and absorbed the resulting negative principal balance of $626.94 as a Credit Union loss. He also agreed as a courtesy to refrain from turning over the charged-off amount to a collections agency or reporting it as a deposit loss as is standard protocol in the financial services industry. Ms. ********* accounts were effectively closed on February 1, 2023, as she had requested in December and again in January. (It is important to note Ms. ********* checking account was in an overdrawn position when the large deposit was made on November 25, so the figures above do not reconcile to the charged-off amount as a result.)
  
  We consider this matter fully addressed, and ******************** will receive a letter from Delta Community that again outlines our findings and includes account statements with itemized transactions. If she has further questions, she can contact ******* at ************.
  
  Sincerely,
  Delta Community
  
  
  

  Customer Answer

  Date: 03/07/2023

  I would like a chance to respond to Delta with a little bit more information. As I have proceeded to go further with the situation, I have more information to provide to the BBB but I would like for it to be public as well. Mr. ******************************* never offered to sit down with me and go over anything. I asked could we have a meeting in his office and he said we could do it over the phone he wanted me to send in my information to him that I have in front of me but he did not want to share what he has in front of him. And to be fair, I do believe it is internal. I am not the only one who has had this problem with money, disappearing from their account. And yes, I did go overdrawn several times last year which I had never done before? But when I wanted to talk about that, no one wanted to speak to me about it. I have several screenshots of my money, disappearing, right in front of my eyes me calling and yes, I did get a right on the phone because my money was disappearing, and I couldnt pay my bills. I have lost everything because of this. Most of my business, my home, my car, everything! No one was willing to help me at the bank that credit union. however, I have proceeded to move forward in my actions to be vindicated and hopefully get something in return if its just not my problem, my dignity myself respect back. The The only thing that they would tell me on the phone was that something had been pending one thing cost me to lose about $5000 makes no sense makes no sense and its awful funny I come up with $1000 on paper and he posts on your comments that is **** and something dollars? Thats why I believe its internal and thats why I will continue to pursue this until somebody tells me otherwise I have screenshots I have my bank statements I had taken pictures from other phones so they couldnt go back and change it and I did it anyway, I have proof of the changes as well, thank you very much for listening and allowing me to tell you my side of the story if you would like I can give you any proof that I have. I hope you have a blessed and wonderful day.

  

  Business Response

  Date: 03/08/2023

  Dear Better Business Bureau,
  
  As a not-for-profit, member-owned financial cooperative, Delta Community operates with a consumer-focused, service-oriented mission. We strive to deliver superior support and value on essential banking services. When service issues arise, we are responsive and make every effort to resolve any concern to the members satisfaction. Unfortunately, there are instances when we cannot deliver on a members desired outcome without infringing on our obligation to the broader membership.
  
  We have acted in good faith to address Ms. ********* complaint, and senior management has put forth many hours to both research her account and talk her through the transaction history. ******************** continues to reject our detailed explanations, which are substantiated by her itemized monthly account statements from November 2022 to January 2023.
  
  Here again are the key points of her complaint and our findings.  
  
  ******************** deposited insurance proceeds totaling $10,014.36 on November 25, 2022. Her checking account had a negative balance of $200.22 at the time, and the deposit covered this amount and brought the account current with a balance of $9,814.14. ******************** then transferred $5,000 to her savings account though online banking.
  

  From November 25 through December 31, ******************** had 202 transactions totaling $15,015.60 on her checking account that depleted the funds in checking as well as savings. ******************** never reported any of these transactions as potentially fraudulent or unauthorized. Both *********************, our Assistant Vice President of Branch Delivery, and *******************************, our Chief Operating Officer, asked ******************** on separate occasions if she was aware of any erroneous charges on her account when her complaint was escalated to them. ******************** did not identify any suspicious transactions. She simply asserted that she did not believe she spent that much and that more was withdrawn than should have been.
  

  ******************** questions Delta Communitys right to transfer funds from savings to checking to settle authorized incoming items when her checking balance was insufficient. Savings and checking are automatically linked at account opening for overdraft purposes as a means to save members inconvenience and/or the loss of service from a vendor if a payment is declined. We disclose this practice in our account services agreement that members receive and must acknowledge during the application process. Members may request to have the accounts unlinked via a written request.
  

  ******* set up a time to discuss his research and findings by phone since ******************** mentioned that she would have to take time off from work to meet in person. ******* subsequently offered to meet ******************** in person; however, she wanted ******* to show her in our core account system prior records of pending **** debit card holds that result in a difference between Available and Current Balance. This step is unnecessary when a thorough review of the transaction history is more direct and yields a similar result. Many of the purchases that ******************** authorized were on her **** debit card and completed as online or signature-based transactions, not PIN-based. If sufficient funds are available in the account, the transaction is authorized and the funds are placed on hold, meaning they are deducted from the Available Balance. Online and signature-based transactions are then routed over the **** network and can take several business days to settle. Consumers can avoid the potential confusion and timing differences with Available and Current Balance by maintaining a register of their transactions and regularly reconciling the account.
  

  ******* reversed $315 in fees and charged-off a negative balance of $626.94 to bring Ms. ********* account to a zero balance. The charge-off was recorded as a loss to Delta Communitys full membership. Additionally, ******* agreed to refrain from reporting the charge-off to ************* Services or Deluxe Detect and from submitting it to collection in accordance with normal operating procedures. ******************** wrote in an email to ******* on February 1 that the proposal you offered in writing will suffice.
  
  ******************** mentions in her subsequent filing with the Better Business Bureau that she has moved. We will be glad to resend copies of the November, December and January statements with the itemized transaction history if ******************** provides a current address. Given the sensitive nature of these documents, we want to ensure that they reach her.
  
  If ******************* has further questions, she can contact ******* at ************.
  
  Delta Community Credit Union
  
  
  
  
  

  
  

• Initial Complaint

  Date:01/13/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My kids accounts (2 accounts) that were opened when they were in high school had low balances $35 each. Delta credit union charged $5 per account per kid ($15 per kid, $30 in total). When I called in to cancel the account several months, I was given the run around to close the account only by visiting the branch or sending some forms online (not to an email but to the account). Since my kids were out of the country, I couldnt visit the branch with them and the credit union has been charging the kids every month $5. We bank with credit unions as they are running for members and they would be more user friendly. Besides the charges are on children accounts. They are refusing the return the kids money, a few more charges, will make their account $0.The account numbers are ********** and **********

  

  Business Response

  Date: 01/17/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ******************************* to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving Mr. ********** complaint, *****************, Senior Vice President of Branch Delivery and Operations researched the issues noted in the complaint and subsequently reached out to ********************** to personally address his concerns and clarify any potential misunderstanding with regard to his kids accounts with Delta Community. As a courtesy, we refunded the fees in question and explained to ********************** why the inactive account fees were assessed and how to avoid such fees in the future.
  
  We value Mr.********** ******** and appreciate him bringing these concerns to our attention. If ********************* has further questions, he can reach ***************** directly at ************.
  
  Sincerely,
  Delta Community 

  Customer Answer

  Date: 01/17/2023

   
  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

  Date:01/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I. got scammed from Amazon through my Delta credit card of $1,873.19 ; this happened on November 23,2022 I report it to the Bank ( Delta Credit Union) and Amazon on November 25,2022 with no assistance from either to get reimbursed for the funds removed from my account via fraudulent means.I am a Senior consumer on a fixed income with serious health issues at this time. The fraud that emptied my account has placed. me a total financial. setback falling lapse on all my bills. I need assistance in obtaining reimbursement of my funds taken from my account fraudulently.

  

  Business Response

  Date: 01/03/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by **************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving ****************** complaint, *****************, Senior Vice President of Branch Delivery and Operations researched the issues noted in the complaint and subsequently reached out to **************** to personally address her concerns and clarify any potential misunderstanding with regard to her **** dispute. *** confirmed that **************** did receive communication regarding the dispute from Delta Community Credit Union, and we are currently working with **************** to process her claim.
  
  We value ****************** business and appreciate her bringing these concerns to our attention. If **************** has further questions while we work with **** to reprocess the claim, she can reach ***************** directly at ************.
  
  Sincerely,
  Delta Community
  
  
  

• Initial Complaint

  Date:11/25/2022

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My Account has been locked along with all my funds. The Credit union is refusing to close my account or send me an account close form. They are asking me to visit the branch to confirm my identity. they refuse to accept information via phone, fax, or mail. They have suspended my debit card, bank account, checks, and online access.

  

  Business Response

  Date: 11/28/2022

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving **************** complaint, our ****************** researched the issues noted in the complaint and subsequently reached out to ************** to personally address her concerns and apologize for any potential misunderstanding with regard to closing her membership with Delta Community. Our understanding is that ************** has completed the appropriate documentation to close her membership.
  
  If ************** has further questions on this matter, she can reach *****************************, ****************** Operations Manager, directly at ************. Unless noted to the contrary, we consider this complaint closed.
  
  Sincerely,
  Delta Community 

  Customer Answer

  Date: 11/28/2022

   
  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

  Date:11/21/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I joined this financial institution in October of 2021. Ive not been able to access my money as *** never received a debit card despite several requests. I do receive mail but never a debit card. I just came back from my local branch and I was profiled and was told I dont hold an account there and was told that only US citizens are permitted to have an account which was the reasoning they have me for not sending me a card. #1 Im a US citizen, #2 they shouldnt be profiling people based upon their accent, and #3 I had over 12K in the account so if its not an active account I want to know where my money is!

  

  Business Response

  Date: 11/23/2022

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by Ms.*************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving Ms.*********** complaint, *****************, Senior Vice President of Branch Delivery and Operations, researched the issues noted in the complaint and subsequently called Ms. *************** to personally address her concerns and apologize for any potential misunderstanding. *** advised that she would be sent a new card via overnight mail, which should be delivered by Friday, November 25. *** will also follow-up with Ms. *************** in a few days to ensure she received the card.
  
  We value Ms. *********** business and appreciate her membership. If Ms. *************** has further questions on this matter, she can reach *** directly at ************. Unless noted to the contrary, we consider this complaint closed.
  
  Sincerely,
  Delta Community
  
  
  

• Initial Complaint

  Date:11/08/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To whom it may concern;Im very upset about an experience I had at the credit union. I applied for a car loan and was turned down because I was told at 47 years old I have no credit and have never brought a car before. Both are untrue.I dont understand, after having an account with DCCU for mutiple years why my application was denied and not given a second look.The car dealership approved me at a ridiculous interest rate but they are willing to give me a chance where the financial institution I bank with that has access to all my financial information, are not. My accounts, have always been in good standing with DCCU. I request my application be looked at individually and help with obtaining an affordable car loan. I was shocked how I was treated. You can can look at my accounts and see that I pay my bills every month with my checking account, that I have a savings account and cds. The young lady at the ******,** branch was rude instead of just telling me that my application was denied. Also, she refused to give me an appointment so I can understand the process better. I had to drive to **********, ** branch to learn the No credit reason.I was told this credit union helps its members. I am a single female who works despite health conditions. Im requesting an opportunity to prove that I can satisfy the monthly payment. What I need is a lower interest rate. I need help. Can someone help me.

  

  Business Response

  Date: 11/14/2022

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ***************************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving Ms. ******** complaint, *************************, Manager of Consumer Loan Originations, researched the issues noted in the complaint and subsequently called ****************** to personally address her concerns and apologized for any potential misunderstanding regarding the denied loan as well as the customer service she received at our ****** branch.
  
  Please know that we reviewed the rationale for our decision on the loan application and provided ****************** with guidance on qualifying in the future. We value Ms. ******** business and appreciate her membership. If ****************** has further questions on this matter,she can reach **** directly at ************. Unless noted to the contrary, we consider this matter closed.
  
  Sincerely,
  Delta Community 

• Initial Complaint

  Date:11/01/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been trying for almost a month to close my checking account with DCCU to no avail. I have some insuance accounts (and a few other various accounts) that I have been trying to close but they won't let me switch my card or stop billing me. So, I decided to close my account. However, DCCU won't close the account when their is a pending charge. But, I'm no longer using that account so it keeps paying the charges and charging me with an overdraft fee. In my life, I have never had so much difficulty trying to get an institution to NOT pay someone before. ALL I WANT IS FOR THE ACCOUNT TO BE CLOSED IMMEDIATELY.

  

  Business Response

  Date: 11/02/2022

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ***************************** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving ******************** complaint, ***********************, AVP of ************ researched the issues noted in the complaint and subsequently called ****************** to personally address his concerns and apologized for any potential misunderstanding. As a courtesy and even though the Courtesy Pay fees were assessed properly in accordance with the Courtesy Pay Disclosures and Agreement, we have refunded the recent fees to ******************. Furthermore, the recent insurance payments in question that were authorized monthly by ****************** have also been reimbursed to him as a courtesy.
  
  Per ******************* request, the membership was closed today, November 2, 2022 and therefore we consider this matter to be fully resolved. If ****************** has further questions on this matter, he can reach *********************** directly at ************. Unless noted to the contrary, we consider this matter closed.
  
  Sincerely,
  Delta Community 

• Initial Complaint

  Date:10/25/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Background to my relationship with Delta Community Credit Union:I have been a member for years with a checking, Savings, Credit card/loan, 2 auto loans (which are paid off).On September 27th I called to try to pay $2500 into my credit card balance using 10 $250 **** debit "gift" cards (which I had been assured that they could me with a few days before I got the gift cards). I spoke with a lady "member care agent" who then told me that it was not possible to use gift cards as payment method for the credit card account (which contradicted what I've been told before). After we disconneced, I called to try again with 1 or 2 of the gift cards as test, I spoke with another lady agent who was great, and helped me pay a total of $1000 using 4 $250 gift cards, so I told her that I would call again next day to use the rest.A few minutes later, I received a call from a guy named ** who verified my name and said he was a manager with Delta Community Credit Union, and said that the agent I spoke with made a mistake in telling me that I couldn't use my 10 gift cards to pay my balance, and that he called to help me do just that.I explained that I had called after that initial call and used 4 of the cards to pay $1000, and I would be available in 2h if he can call me to take the rest of them.2h later he called and verified my name and numbe, I then gave him the 6 gift card number with their security numbers, and he said that the payment would reflect in 3 to 5 days.A couple of days later, I could see 4 payments totaling $1000 but not the other $1500. When I called they said there was no record of those payments or any manager called AJ, I called the number he called me from to find out it was disconnected, checked on the gift card balanced to find that they were spent on restaurants, phone bills, purchases in Atlanta area (I live in ******* **).When I called DCCU, I was passed around for 2 weeks, to say their investigation didn't reveal any wrong doing, and they can't help.

  

  Business Response

  Date: 10/27/2022

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by Mr. ***** to the Better Business Bureau. Please know that we are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individual's needs and the interests of our broader membership.
  
  Upon receiving Mr.*****'s complaint, *****************, SVP of Branch Delivery & Operations, researched the issues noted in the complaint and subsequently called Mr. ***** to personally address his concerns and apologized for any potential misunderstanding. *** is currently working with Mr.***** on a resolution to this matter and will remain his point of contact for any issues related to this complaint.
  
  We appreciate Mr.*****'s loyalty and patronage. If Mr. ***** has further questions on this matter, he can reach out to ***************** directly at ************.
  
  Sincerely,
  Delta Community
  
  

  Customer Answer

  Date: 10/27/2022

   
  Better Business Bureau:
  
  After communication with Ms. ****************** I was offered a resolution that addressed the issue in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  El Boukhari Nehri