Complaints

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

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Digital Federal Credit Union has 11 locations, listed below.

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  Digital Federal Credit Union

  220 Donald Lynch Blvd Marlborough, MA 01752-4708

• 

  Digital Federal Credit Union

  130 Lexington St Waltham, MA 02452-4633

• 

  Digital Federal Credit Union (DCU)

  19 Premium Outlets Blvd Merrimack, NH 03054

• 

  Digital Federal Credit Union

  350 John Fitch Hwy Fitchburg, MA 01420

• 

  Digital Federal Credit Union

  1123 Central Street (MA 12) Leominster, MA 01453

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:09/19/2023

  Type:Customer Service 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.

  Digital Federal Credit Union has locked or frozen my account. I have no idea why or what possibly could have happened. No letter, email or call from the bank themselves if this may be because of fraudulent. I cant log into my account or get ahold of anyone in customer service. On top of that I just received an email from DCU stating theres a scheduled transfer of $100 from my bank account running tomorrow? Since I have not been able to log into my account for several days now I know for a fact thats not because of me. I need a resolution with the bank soon to settle this as I would like to close my account.

  

  Business Response

  Date: 09/28/2023

  To Whom It May ***************** reviewed the complaint submitted by *********************** (Complainant) concerning access to their accounts with Digital Federal Credit Union (DCU).
  

  According to our records, on September 14, 2023, the Complainant made multiple transactions that ******** their checking account with DCU, leaving a negative balance of ($2,729.33). Per DCUs Consumer Account Agreement and internal procedure, the Complainants accounts were locked, and digital banking access revoked to prevent further loss to DCU. In order to restore access to their accounts, and avoid potential charge-off and negative reporting, the Complainant must bring their negative balance current by November 13, 2023. Further notification and instruction regarding the Complainants negative balance will be provided by DCU if the negative balance persists.

  The Complainant also stated in their complaint that they were notified of a $100.00 transfer scheduled to occur on September 20, 2023, that the Complainant stated they did not initiate. DCU promptly investigated this and confirmed that the Complainant had previously set up a reoccurring transfer of $100.00 from their savings to their checking account to occur on the 20th of each month.

  As DCU has addressed the concerns noted in the complaint, we consider this matter to be resolved.

  Sincerely,
  DCU *************** Department

• Initial Complaint

  Date:09/19/2023

  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.

  May 2018 - I took a loan from DCU for $18000 to buy a vehicle from my friend who lives in ** January 2021 - I paid off the loan to DCU and closed the account.The issue however is that Seller never received the money from DCU Bank, seller is my great friend, who completely forgot to follow-up with me or bank when he didn't receive the money, that was his big mistake.**** reached out to the seller in June 2023 indicating there is a $18000 check in his name that was not cashed, eventually that check was delivered to him in July 2023 after 5 years, Huge mistake by bank and accounting for not catching this issue for 5 years.I reached out to DCU Bank on 7/26/2023 spoke to *** in detail and filed a formal complaint "Interaction # I-********". I was told I'll get a call with resolution in 30 days timeframe, I did not receive any call back, as if I as a client don't matter to the bank. I reached out to DCU Bank again on 9/18/2023, spoke to ***************************** - x6919, who told me that it was seller's mistake for not following up and bank can't do anything about it, and they closed the complaint without taking any actions and providing me a follow-up or a record of resolution.This is very shocking that the banks can make these mistakes and just wash their hands like this and if the same mistakes and made by an individual they will sent them through collection agencies and ruin their credits. I am a client for 23 years at DCU bank and this still remains my primary bank for all my banking needs, don't think that will stay the same after this terrible experience. I am really disappointed the way I have been treated in this case and I would like some ***** actions to ensure this would never happen again to anyone in addition to the following:1) Compensate my friend with the interest on $18000 for 5 years that bank kept the money and didn't deliver to him as agreed upon with me.2) Release a written apology to my friend for their huge accounting mistake.

  

  Business Response

  Date: 09/28/2023

  To Whom It May ***************** reviewed the complaint submitted by ************************* (Complainant) concerning a private party sale auto loan check (Check)distributed by Digital Federal Credit Union (DCU).

  According to our records, on June 27, 2018,the Complainant applied and was approved for a private party auto sale loan for an amount of $18,000.00. The Complainant then completed an alternate address form and requested that the Check be sent directly to the seller. After receipt of the completed alternate address form, DCU mailed the Check directly to the seller using the address provided on the alternate address form.

  On July 24, 2023, DCUs third-party vendor for check processing notified the seller and DCU that the Check was never cashed. On the same day, DCU reached out to the seller to confirm that the Check had never been cashed, and the seller confirmed that they had forgotten about the check and never cashed it. DCU then confirmed with the seller that the address provided in 2018 on the alternate address form was correct, and once the seller confirmed that the alternate address was correct, DCU reissued the Check and mailed it to the confirmed alternate address.

  DCU has no authority on if and when a seller chooses to cash a check that was distributed, and it is up to the seller to deposit the funds or notify DCU if they were experiencing issues with the check. Therefore, DCU will not be compensating the seller for any amount of money other than the Check that was already reissued.

  As DCU has confirmed the correct address and reissued the Check to the seller, we consider this matter to be resolved.

  Sincerely,
  DCU *************** Department

  Customer Answer

  Date: 09/29/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I do not accept the response as what DCU failed to acknowledged that the duration it took their 3rd party in this process to identify and notify both the seller and DCU. 5 years. 

  If the same mistake was made by an individual, the bank would be after them and their credit and their life. They take no responsibility of not paying the seller for 5 years ... I repeat 5 years ... How is this making any sense for anyone here? I have been a client for 23 years at this bank and this is the first time I'm hearing that the bank can make mistakes without any consequences, refuse to pay the interest for the money they kept for 5 years and issue an written apology to seller for keeping his money.
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

  

  Business Response

  Date: 10/13/2023

  To Whom It May ***************** reviewed the comments submitted by ************************* (Complainant) concerning a private party sale auto loan check (Check) distributed by Digital Federal Credit Union (DCU).

  As explained in our previous response, DCU has no authority on if and when a seller chooses to cash a check that was distributed, and it is up to the seller to deposit the funds or notify DCU if they were experiencing issues with the check. Therefore, DCU will not be compensating the seller for any amount of money other than the Check that was already reissued.

  As DCU has confirmed the correct address and reissued the Check to the seller, we consider this matter to be resolved.

  Sincerely,

  DCU *************** Department

  Customer Answer

  Date: 10/16/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I do not accept this Bank's lack of responsibility in this regards, where the money wasn't delivered to the seller for 5 years and bank accepts no responsibility, rather putting it on seller ... next course of action would be going to Media and also posting reviews to social media about this incident. Thank you for not being helpful DCU and also keeping the money for 5 years with no shame. 
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

• Initial Complaint

  Date:09/18/2023

  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'm seeking assistance with the following account listed in my credit report. I am complaining because I want this account late payments to be removed and correct the account status to be paid as agreed but still the DIGITAL FED CREDIT UNI has no response or action about the account in my credit file. To resolve this problem I would like you to aid me to correct the late payments in the account that is damaging in my file. The following account is listed in my credit report:DIGITAL FED CREDIT UNI 624731XXXX Balance: $183.00

  

  Business Response

  Date: 09/28/2023

  To Whom It May ***************** reviewed the complaint submitted by ******************** (Complainant) concerning the credit reporting of their Quick Loan (Loan) with Digital Federal Credit Union (DCU).

  According to our records, on August 28,2023, DCU received a credit reporting dispute from the Complainant regarding their Loan, and DCU promptly began an investigation. On September 8, 2023, DCU concluded our investigation and determined that the Loan is reporting accurately per the Fair Credit Reporting Act (FCRA), and both late payments for July and August 2023 are accurate and warranted. On the same day, DCU sent the Complainant a resolution letter detailing our determination.

  On September 18, 2023, DCU received this complaint through the Better Business Bureau (BBB), and after further review,determined that the Complainant was requesting the exact same dispute as was previous completed by DCU on September 8th. Per the ***** DCU determined that this request did not require a reinvestigation, as it was the exact same dispute request previously investigated by DCU, and no new information was provided. On September 27, 2023, DCU sent the Complainant a letter of non-investigation detailing our determination of non-investigation.

  As DCU has resolved this credit reporting dispute directly with the member, we consider this matter to be resolved.

  Sincerely,
  DCU *************** Department

• Initial Complaint

  Date:08/31/2023

  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 am writing this letter to express my deep disappointment, bewilderment, and concern regarding the inconsistent and biased treatment my girlfriend and I have experienced in our recent dealings with Digital Federal Credit Union (***).On our initial encounter with DCU, the loan approval process for our first auto loan was both smooth and efficient. Notably, the loan was funded without any request for paystubs; the only documentation required was the purchase and sales agreement. This positive experience led us to believe that DCU values its customers and seeks to provide a fair and consistent service. However, our recent interaction has left us astounded and feeling utterly disheartened. When we decided to make a change and opt for a different vehicle, I promptly returned the funding check to DCU, following their instructions. Imagine my shock when, upon reapplying for a new loan on August 28th, 2023, I was met with a demand for pay slips by the loan officer. This abrupt change in procedure is not only perplexing but also disrespectful. The glaring discrepancy in the treatment we have received is evident. It raises concerns of bias and inconsistency within your organization. Both my girlfriend and I maintain good credit scores, yet we have been subjected to vastly different experiences, with seemingly no justifiable reason for the disparate treatment.Such behavior is not in line with the values of fairness, transparency, and professionalism that I would expect from a credit union of DCU's stature. It is deeply disappointing to think that the same institution that once approved our loan without any question now appears to be unfairly scrutinizing our application, making us feel as if we are not valued customers. I implore you to review our case with the utmost urgency and address this matter appropriately.

  

  Business Response

  Date: 09/08/2023

  To Whom It May ***************** reviewed the complaint submitted by ************************* (Complainant) concerning an auto loan denial with Digital Federal Credit Union (DCU), as well as unfair treatment related to the foregoing.

  DCU takes claims of unfair treatment very seriously, and promptly upon receipt of this complaint performed a review of all related interactions with the Complainant and determined that DCU representatives followed standard procedure and no unfair treatment occurred.

  DCU also reviewed the related auto loan application, and subsequent denial, and determined that DCU followed standard procedure and accurately denied the Complainants auto loan application due to escalating debt, excessive number of new accounts, and excessive obligations in relation to income, and promptly sent the Complainant an Adverse Action Notice detailing our determination and denial.

  The Complainant states in their complaint that DCU unfairly requested the Complainants pay stubs during the most recent auto loan application, when DCU had not previously requested these documents in past applications. DCU has explained to the member previously that the pay stubs were requested to verify the Complainants income, and explained that DCU may request documentation to verify information at any point during the loan process.

  As DCU followed standard procedure and accurately denied the Complainants auto loan application, we consider this matter to be resolved.

  Sincerely,
  DCU *************** Department

• Initial Complaint

  Date:08/26/2023

  Type:Service or Repair 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 a personal loan through DCU in March. I made my payments all the way until May 24 because I had a loss of income so I tried to double the payment I was close. My monthly payments are supposed to be $78. I paid $139 on May 25 full and that should take me to June 24 And with the extra payments that should extended the date to at least July 11 or 15th then after that I would have 30 days to make a payment but instead they decided to say I was 30 days late and then hit me with the 60 day late my credits been shot now The contract allows for you to make payments weekly so thats why I made the extra payments I would have I will have more weeks. I received an email from them today saying that I am 60 days late when Im not when Im not in my current pay due date is ******* because I was able to catch up in August on August 1 I made payments and Im a famous pushed out to ******* so I dont understand how my extra payments didnt extend my date theyre messy with their communication hes gonna tell me I was 30 days late on June 24 on this email today when I wasnt I shouldve been extended to July 15 and then have 30 days to pay and I made the deadline because I paid August 1 so 30 days have not had pass by like I said my next payment isnt due till ******* ****. Why do you guys pick and choose how you guys do things. Honor the payment I made in May and I send the date like youre supposed to. I know its not a double payment but its like $18 off, so they give me like three weeks stop playing remove the damage done to my credit

  

  Business Response

  Date: 08/30/2023

  To Whom It May ***************** reviewed the complaint submitted by Filmon Habteyesus (Complainant) concerning the credit reporting of a personal loan with Digital Federal Credit Union (DCU).

  According to our records, DCU received a direct credit reporting dispute from the Complainant on August 22, 2023, disputing the 30-day late payment reporting for July 2023 on their personal loan. Upon receipt of this dispute, DCU began our investigation.

  On August 28, 2023, DCU completed our investigation and determined that that the personal loan is reporting accurately per the Fair Credit Reporting Act, and that the 30-day late payment reported for July 2023 was accurate and warranted. On the same day, DCU sent you a letter detailing our investigation and determination.

  We consider this matter to be resolved.

  Sincerely,
  DCU *************** Department

  Customer Answer

  Date: 08/31/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Request

  
  Dear DCU I am a member 
  
  I am writing in response to the recent issue regarding my loan payment, which your institution has classified as **************************************************************************************************************************************** with any evidence to support this claim.
  
  According to the terms and conditions outlined in my loan agreement, payments are to be made weekly. While the monthly payment may be an average of approximately $19, it is important to note that I have consistently made extra payments towards the principal amount. These additional payments were made in good faith and with the intention of reducing the outstanding balance of the loan.
  
  However, I have noticed that payments reflecting the reduction in the principal balance, my loan due date has been pushed back further. This has led to a discrepancy between the actual payment dates and what your system suggests as my payment history. Consequently, your system appears to reflect a 30-day delay in my payment, which is inaccurate.
  
  I kindly request that you conduct a thorough investigation into my loan payment history and provide me with the necessary documentation to support your claim. It is crucial that I understand how my extra payments have been processed and accounted for, as this directly impacts the accuracy of my loan status.
  
  Furthermore, I would appreciate it if you could clarify the reasons behind any delays or discrepancies in my payment history. It is essential that I have a clear understanding of the situation and that your staff refrain from making unfounded assumptions or challenging my credibility.
  
  I trust that you will address this matter promptly and professionally. I look forward to receiving a detailed response from your institution within a matter of days
  
  Thank you for your attention to this matter. I expect that your response shorand will reflect the professionalism and integrity of your institution.
  
  Sincerely, a member 
  
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  Filmon

   

   

  

  Business Response

  Date: 09/15/2023

  To Whom It May ***************** reviewed the comments submitted by Filmon Habteyesus (Complainant) concerning the credit reporting of a personal loan with Digital Federal Credit Union (DCU).  

  On September 15, 2023, DCU provided the Complainant with a detailed explanation of the credit reporting of their personal loan with DCU, including the Complainants signed Loan Agreement, the personal loans transaction history, and the personal loans amortization schedule.

  As DCU has provided the Complainant with a detailed explanation of the credit reporting of their personal with DCU,including documentation as requested by the Complainant, we consider this matter to be resolved.

  Sincerely,
  DCU *************** Department

• Initial Complaint

  Date:08/24/2023

  Type:Product 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.

  I issued an electronic deposit accidently to a closed account at another bank for $2300 on 8/10/2023. I notified the credit union on 8/11/2023 of this issue and they told me to wait 7 business days for the funds to be returned . I have spoken to several DCU representatives who have told me the funds have not been returned. I have been in touch with the bank who received the funds of the closed account and they responded that the funds were rejected and sent bank to DCU on 8/11/2023. I have contacted DCU everyday since 8/21/2023 and am given the same story that they have not received the returned funds. They cannot do anything for me and it is my loss. The receiving bank verified they returned the rejected fund transfer and no one can help me. What more can be done as the receiving recipient no longer has that account as of 3 months ago.

  

  Business Response

  Date: 09/01/2023

  To Whom It May ***************** reviewed the complaint submitted by ********************************* (Complainant) concerning the return of a rejected electronic transfer from Digital Federal Credit Union (DCU).

  DCU is currently working with our third-party servicer to recoup the funds from the Complainants accidental electronic deposit to a closed account at an external financial institution.

  As the investigation is still ongoing,DCU has not yet reached a resolution, but will provide updates directly to the Complainant as the situation resolves.

  Sincerely,
  DCU *************** Department

  Customer Answer

  Date: 09/01/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I have provided all trace numbers from the bank that rejected the electronic funds to a closed account.  The funds were rejected on 8/11/2023, the day they received it.  It is now 9/1/2023 and I have still not received a refund.  It has been 3 weeks and no one knows where my $2300 is?  How long do I have to wait?  I don't understand why there is no communication between DCU and the bank that rejected the funds.  Simply stating the issue is now with a third party is not a resolution to a customer.
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

  

  Business Response

  Date: 09/15/2023

  To Whom It May ***************** reviewed the comments submitted by ********************************* (Complainant) concerning the return of a rejected electronic transfer from Digital Federal Credit Union (DCU).

  On September 5, 2023, DCU was able to recoup the $2,300.00 from our third-party servicer from the Complainants accidental electronic deposit to a closed account at an external financial institution, and promptly deposited those funds into the Complainants checking account with DCU on the same day.

  On the following day, September 6, 2023,a DCU representative connected with the Complainant, informed them of the returned funds, and explained the full details of the case.

  As DCU was able to resolve this matter directly with the Complainant and provide the desired resolution, we consider this matter to be resolved.

  Sincerely,
  DCU *************** Department

• Initial Complaint

  Date:08/21/2023

  Type:Service or Repair 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 was approved for a loan with DCU. I signed a promissory note and funds were dispersed. After receiving the money from the loan, i received an offer for a credit card, I chose to apply. I was approved for that as well. Once I called in to verify, I was asked to resubmit my pay stub of which I did. The rep placed me on a 45 minute hold, came back, and said the app was declined. Now, my funds from my original loan have been taken out of my account. There is nothing in the promissory note signed by both parties stating that they can take my money back out of my account. The reps are saying the application is being reviewed and my funds are being held. There is nothing in writing saying that this could happen. I am not in default. I paid my first month payment already and its not even due. They are also still collecting on this loan as it is still open and a payment is due in October. This is against the laws of Truth In Lending. I had my documents reviewed by several people before receiving the loan. To take it back after a legal contract has been put into place, to allow one more person to make a decision is completely impractical.

  

  Business Response

  Date: 08/30/2023

  To Whom It May ***************** reviewed the complaint submitted by *************************** (Complainant) concerning personal loan funds and a credit card application with Digital Federal Credit Union (DCU).

  According to our records, on August 18,2023, the Complainant applied for a credit card with DCU. During review of this application, DCU found inconsistent information provided by the Complainant,and as a result, DCU was unable to verify the information provided and denied the Complainants credit card application.

  Due to the inconsistent information provided by the Complainant during their credit card application, DCU locked the Complainants membership and began a fraud investigation, which included a hold placed on the disbursed personal loan funds.

  On August 28, 2023, DCU completed our fraud investigation and determined that the Complainant had provided inconsistent information during their membership and personal loan applications as well, and DCU was unable to adequately verify the information provided. Per DCUs Account Agreement for Consumers, DCU exercised our right to restrict the Complainants membership to Accept Loan Payments Only and the disbursed personal loan funds were removed from the Complainants accounts and applied back to the loan.

  On the same day, DCU sent the Complainant a letter detailing our determination and informing the Complainant that they remain fully responsible for the remaining personal loan balance and once the loan is paid in full, the Complainants membership will be closed.

  We consider this matter to be resolved.

  Sincerely,
  DCU *************** Department

  Customer Answer

  Date: 08/30/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. 
  

  I did NOT provide inconsistent information. I provided the wrong documents initially. I was then instructed by a representative on what exactly to provide. Also, all of this was done without written correspondence. I can prove that I did not commit any fraud. Because of this, I believe that this matter should be escalated to arbitration in Federal Court where all information can be presented. 

  

  Business Response

  Date: 09/08/2023

  To Whom It May ***************** reviewed the comments submitted by *************************** (Complainant) concerning personal loan funds and a credit card application with Digital Federal Credit Union (DCU).

  After reviewing the Complainants situation again, including the additional comments submitted by the Complainant,DCU stands by our determination, and will continue to exercise our right to restrict the Complainants membership, per DCUs Account Agreement for Consumers.

  The Complainant remains fully responsible for the remaining personal loan balance and once the loan is paid in full, the Complainants membership will be closed.

  We consider this matter to be resolved.

  Sincerely,
  DCU *************** Department

• Initial Complaint

  Date:08/17/2023

  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.

  On 6/1/2023 I mailed a registered security(with remittance coupon) with instructionals indicating to apply it to the account. If payment is refused, lost, or destroyed there is discharge per UCC 3.603-3.604.(tracking# RF598951032US)received on 6/7/2023 ,received a response on 7/3/2023 indicating that the security that I sent in is not a valid form of payment and is not legal tender.On 6/30/2023 I mailed another letter(opportunity to cure) with an endorsed bill with remittance coupon, Power of attorney , Federal reserve act 16, and instructionals(opportunity to cure) indicating to apply the principals balance to the principal's account for each and every billing cycle for set-off. I also instructed the *** ********************************* to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the *** ********************************* to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on 7/13/2023.(tracking#********************).Never got any response. On 7/10/2023 I mailed another endorsed bill ,federal reserve act 16,29(Civil Money Penalty) and instructionals (Notice of default) stating the same thing as the first packet that I mailed. They received on 7/13/2023 . Still got no response on the issue or that it has been complete. This is a violation of securities, breach of contract and identity theft due to them not accepting payment and closing my account without my authorization.This has caused financial distress. I have tried to reach out to *** for a response but they have acted in bad faith and have neve responded directly. They securitized the applicaton that I put in and have refused to credit my account with the interest gained from my application. Not letting me access my equity/interest is a violation.

  

  Business Response

  Date: 08/18/2023

  To Whom It May ********
  
  We reviewed the complaint submitted by ************************* (Complainant) concerning a credit card loan (Credit Card Loan)with Digital Federal Credit Union (DCU).
  
  DCU received several communications from the Complainant in which the Complainant has attempted to use Credit Card Loan statements (or as the Complainant states in the complaint, a remittance coupon) solely as purported payments.
  
  On July 3, 2023, DCU provided to the Complainant a verification of indebtedness to DCU for the Credit Card Loan, and included transaction history, statements, and disclosures. On August 7, 2023,DCU sent to the Complainant another letter explaining that we are accurately reporting the Credit Card Loan to the credit bureaus. We also explained that a Credit Card Loan statement alone is not legal tender and not a form of payment.
  
  We would like to note that the Complainant has contacted DCU numerous times regarding the same frivolous claims and we will not be providing any further responses to substantially similar claims.
  
  Sincerely,
  
  DCU **************************

  Customer Answer

  Date: 08/18/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  DCU is claiming that i am making frivoluos claims but provide me the law stating that what I send in is not legal tender. I need these questions answered line for line. 1. Who pays interest? 2.Who is due interest? 3.Who is the owner of the account? ***** my application secruitized? 5. Did you lend my money? 6. ********** is holding my securities?
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

  

  Business Response

  Date: 08/22/2023

  To Whom It May ********
  
  We reviewed the comments submitted by ************************* (Complainant) concerning a credit card loan (Credit Card Loan)with Digital Federal Credit Union (DCU).
  
  As explained in our previous response,Credit Card Loan statements are not legal tender and not a valid form of payment. DCU has provided documentation to the Complainant verifying the Complainants indebtedness to DCU for the Credit Card Loan.
  
  We consider this matter resolved.
  
  Sincerely,
  
  DCU **************************

  Customer Answer

  Date: 08/22/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  Again provide me the law stating that what I send in is not legal tender. I need these questions answered line for line. 1. Who pays interest? 2.Who is due interest? 3.Who is the owner of the account? ***** my application secruitized? 5. Did you lend my money? 6. ********** is holding my securities?
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

• Initial Complaint

  Date:08/16/2023

  Type:Service or Repair 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.

  Digital Federal Credit Union illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC **** you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant

  

  Business Response

  Date: 08/24/2023

  To Whom It May ***************** reviewed the complaint submitted by *************************** (Complainant) concerning credit reporting by Digital Federal Credit Union (DCU).

  The Complainant states that DCU illegally reported their information to unaffiliated third parties without providing proper disclosures.

  This statement is false, as DCU provides the required disclosures within DCUs Privacy Policy at membership opening, and also maintains that policy on our website - *************************************************************************************;

  DCU also provides the required disclosures within the **** Agreement and Federal Disclosure document, under section 25 Credit Reports and Credit Reporting, that a member must confirm with DCU that they have read and understand before submitting a **** application.

  DCU would also like to note that the unaffiliated third parties the Complainant states DCU is illegally reporting too are the national credit reporting agencies, which the Fair Credit Reporting Act (FCRA) requires DCU to report accurate credit information to. 

  As DCU provided the required disclosures and is regulatory required to report accurate information to the national credit reporting agencies, we consider this matter resolved.

  Sincerely,
  DCU *************** Department

  Customer Answer

  Date: 08/24/2023

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

• Initial Complaint

  Date:08/16/2023

  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 decided to check my credit report months ago and I noticed some fraudulent accounts on my credit report that I did not open or gave anyone permission to open. After noticing the fraudulent accounts I contacted my local police department and filed a Identity Theft report. I sent the identity theft package to the top 3 credit bureaus along with the reports and the **** 605b requesting them to block the fraudulent accounts thats reporting from identity theft. I also filled a complaint with the ***** Digital Federal Credit union is still reporting the fraudulent account to my ********************** report.

  

  Business Response

  Date: 08/25/2023

  To Whom It May ***************** reviewed the complaint submitted by ************************* (Complainant) concerning an identity theft claim with Digital Federal Credit Union (DCU).

  On August 24, 2023, DCU completed an identity theft investigation and confirmed that the Complainant was not responsible for the accounts with DCU.

  DCU promptly requested all inquiries/reporting by DCU to be removed from the Complainants credit report, and on August 25, 2023, DCU notified the Complainant that they are not responsible for the accounts with DCU and that their credit reporting has been corrected.

  We consider this matter resolved.

  Sincerely,
  DCU *************** Department