Complaints

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:12/28/2023

  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.

  FOR A WHOLE YEAR I HAVE NOT HAD INSURANCE ON MY HOME BECAUSE OF NO FAULT OF MY OWN. Now to have forced placed coverage on my home because someone over there dropped the ball YET AGAIN I am very annoyed, disappointed and moreso disgusted!!! In speaking to ******* she informed me that the reason they KNOW that Lloyds of ****** is my flood insurance carrier but keeps basically harassing us to send them information on who our flood insurance is is because the document thats on file is dark and no one knows where to send the payment to. THEN, she proceeded to tell me my homeowners insurance was sent to the wrong address because they googled where to send the payment INSTEAD OF LOOKING AT THE INVOICE THAT PROVIDED EXACTLY WHERE TO SEND THE PAYMENT. This is absurd and absolute incompetence! How is it that my family is penalized for the laziness and lack of integrity of the staff that are employed at Bethpage and its subsidiaries? Now to have forced placed coverage on my home because someone over there dropped the ball YET AGAIN is ABSOLUTELY insane! We do not have the money to an extra almost $4000 especially when we did absolutely nothing wrong year after year. This has been a horrible experience-the absolute worst actually. Its not only my home owners insurance, it was my taxes and now my flood insurance. This is absolutely bad business practice and egregious behavior from a bank with such stature. This needs to handled and rectified not at the expense of my family. I dont think anyone knows or even cares that, God forbid, something happened to my home that we would have no coverage to protect from us. That means my family would be on the street and lose everything weve worked so hard to obtain all because of the incompetence and laziness of someone who cannot simply PICK UP THE ***** AND CALL A COMPANY TO CONFIRM A ADDRESS TO SEND A PAYMENT INSTEAD OF RANDOMLY GOOGLING THE ADDRESS AND SENDING PAYMENT TO A RANDOM ADDRESS!

  Business Response

  Date: 02/02/2024

  Dear *** and *******************,
  
  Your correspondence to the Better Business Bureau (BBB) was received by Bethpage Federal Credit Union (Bethpage), and we appreciate the opportunity to review and address your concerns.
  
  In response to the correspondence, dated December 27, 2023, Bethpage has reviewed your claim and determined that we are currently in discussions with you on a mutually agreeable resolution related to this matter.
  
  We truly apologize for any inconvenience this has caused and appreciate you bringing this matter to our attention. Bethpage is committed to its members,and we continually look for opportunities to improve our processes and controls to prevent similar issues from occurring again in the future with that said we have addressed the failure points with the appropriate teams. We hope this will ensure you have better experiences going forward.
  
  If you need any additional assistance or have any questions, you can reach me at **************. I am available Monday through Friday, 9AM to 5PM (EST).
  
  Sincerely,
  
  
  *****************************
  Bethpage Federal Credit Union
  Member Advocate, Member Experience
  

  Customer Answer

  Date: 02/05/2024

  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 and the matter has been resolved.
  
  Sincerely,
  
  **** And ***************************
  
  
  
   
  
  

• Initial Complaint

  Date:11/08/2023

  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 submitted timely payments toward my BFCU Credit **** on 31 August 2023 ($73.00) and 22 Sept 2023 ($135.00). The issuing bank (BFCU) has confirmed payments were issued and received. Payments were applied to an "old" credit card number as my account number had been changed. I was aware I received a new card (Tap card), but it was not made clear my account number had changed. I have spoken with BFCU **** Services on many occasions and have been twice advised the payments would be transferred (most recently on 4/5 October by 10 October). I received a letter on 21 October indicating my interest rate has increased due to missed payments. I immediately called BFCU **** Services re: the "missing payments." I asked to speak with a supervisor as my payments were made timely. The representative confirmed the payments were pending. I agreed to withdraw my request for a supervisor but stated if the payments were not transferred, I would contact the State Attorney General. I also stated if I received another call, it should be from a supervisor. I have not received a call from a supervisor, the timely payments have not been applied to my account, and I continue to receive harassing phone calls.I would like the harassment to cease and the timely payments to be transferred and applied to my current card number. If you are unable to assist, I will move forward with contacting the State Attorney General. Thank you for any assistance you can provide.

  Business Response

  Date: 03/25/2024

  Dear *******************,
  
  Your correspondence to the Better Business Bureau (BBB) was received by Bethpage Federal Credit Union (Bethpage), and we appreciate the opportunity to review and address your concerns.
  
  In response to the correspondence, dated November 7, 2023, Bethpage has reviewed your claim and determined that an error occurred when applying payments in August 2023 and September 2023 to your Bethpage credit card. This was corrected on November 27, 2023, and the payments were properly applied to your account.
  
  We apologize for any inconvenience this has caused and appreciate you bringing this matter to our attention.
  
  If you need any additional assistance or have any questions, you can reach me at **************. I am available Monday through Friday, 9AM to 5PM (EST).
  
  Sincerely,
  
  
  *****************************
  Bethpage Federal Credit Union
  Member Advocate, Member Experience
  

• Initial Complaint

  Date:11/08/2023

  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.

  I OPENED UP AN ACCOUNT AT ********************, MANY YEARS AGO, JUST TO HAVE A LOCAL ACCOUNT, WHICH I WAS USING TO CASH CHECKS, ETC. MY MAIN ACCOUNT IS *********** CREDIT UNION, WHICH I OPENED IN ****. SINCE THEY DON'T HAVE ****S IN NY, I USED BETHPAGE AS A SHARED ****, WHICH LET'S CASH CHECKS AND MAKE DEPOSITS AND WITHDRAWLS. I WAS ABLE TO DO THIS WITHOUT AN ACCOUNT AT ********************. BUT I OPENED ONE UP ANYWAY. NOW, ALWAYS USING MY *********** ACCOUNT FOR MY ****ING NEEDS, MY BETHPAGE ACCOUNTS WENT DORMANT. SO TODAY I GET MY STATEMENT FROM BETHPAGE AND LO AND BEHOLD, IT WAS CLOSED OUT, WITHOUT MY KNOWLEDGE OR ANY TYPE OF NOTIFICATION FROM BETHPAGE, LIKE AN E-MAIL, **** LETTER OR ***** CALL. ZERO-ZILCH-***** THE ***** AMOUNT WAS SMALL, $10.15 IN BOTH ACCOUNTS, SINCE IO NEEDED A MINIMUM BALANCE TO OPEN AN ACCOUNT THERE.SO I CALLED THE ***** NUMBER ************ AND GOT A CLUELESS CUSTOMER SERVICE REP, PUTTING ME ON HOLD 3 TIMES AND STILL REALLY COULDN'T HELP ME, SAYING I MUST HAVE GOT A LETTER 3 YEARS AGO, SINCE THAT IS HOW LONG THAT IT WAS DORMANT. I TOLD HER I DOUBT THAT HAPPENED AND I WOULD HAVE REMEMBERED A SEPARATE LETTER TELLING ME OF MY DILEMMA. SO I ASKED FOR A MANAGER. ***** GOT ON THE *****. I TOLD HIM WHAT HAPPENED AND HE WAS ALL APOLOGIES, BUT HE COULD NOTHING TO HELP ME SINCE MY ACCOUNT WAS CLOSED? I ASKED IF HE COULD REVERSE THE $5.59 SERVICE CHARGE AND HE SAID NO, GET READY. BETHPAGE SPENT $5.59 OF MY MONEY TO SEND $4.15 FROM A DORMANT ACCOUNT? I ASKED ***** DOES THAT MAKE ANY SENSE? RATHER THAN JUST SEND ME A CHECK FOR $10.15. HE SAID THAT IS THE PROCEDURE THEY USE. I AM IN THE **** MAYBE ONCE A MONTH AND ALWAYS HAVE TO SHOW MY LICENSE, WHEN I CONDUCT ANY BUSINESS THERE WITH MY *********** ACCOUNT. NOW, NO ONE COULD HAVE TOLD ME WHAT WAS GOING ON WHEN I WAS AT THE ****? HOW PATHETIC. HE TOLD ME TO GO TO UNCLAIM.ORG, TO CLAIM MY FUNDS. THERE WAS NO LISTING OF MY MONEY AFTER I FILLED OUT THE FORM? I AM A SENIOR ON A FIXED INCOME

  Customer Answer

  Date: 11/13/2023

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***************************
  
  
  
   
  
  

• Initial Complaint

  Date:10/26/2023

  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 reaching out today to speak out against the Atrocities that BETHPAGE FEDERAL CREDIT UNION has put me through and that no other consumer shall. I applied last November (2022) for a used automobile loan . They voided my approved loan of 6.6% despite me following up with all necessary criteria. Try to get me to run my credit again Then say theyll work with first pull and then try to **** the rate on me despite me already getting approved . Ever since then they have been double charging me on automatic payments I requested this to be stopped 7x so far They do not care. They tripled my interest rate after failing to tell me Im receiving title and need to go to DMV. No issue I still paid every time on time They even lost my money for july 2023 payment which I made in branch as I do with all payments after this whole double charge fiasco and tried double charging on aug 2023 . I go into branch for Octobers payment the 16th and it says a late fee is pending for the 18th . I have requested the card not be charged but yet they continuously charge it in attempt to make extra $25 every time I had voiced my concerns and BETHPAGE FEDERAL CREDIT UNION has terminated my account. They sent me a survey on how I feel and I let them know Ive also contact the ****

  Business Response

  Date: 12/04/2023

  Dear *******************************,
  
  Your correspondence to the Better Business Bureau (BBB) was received by Bethpage Federal Credit Union (Bethpage), and we appreciate the opportunity to review and address your concerns.
  
  In your complaint, you allege the following:
  Bethpage voided your initial loan application with the intention to process a second credit inquiry and increase your interest rate;
  Bethpage has duplicated payments on your account and will not cancel your recurring automatic payments; and
  Bethpage did not advise you that your interest rate is subject to increase for failure to transfer ownership of the vehicle.
  
  Loan Application
  
  Our records indicate that on October 27, 2022, you submitted a loan application for an auto lease buyout loan (Initial Application). On November 8, 2022, this application was withdrawn, per your request. Subsequently, on November 15, 2022, you contacted Bethpage via telephone to inform us that you wanted to proceed with the loan request and a new application was submitted (Subsequent Application);however, we found no additional credit inquiry made for the Subsequent Application. During the time period between the Initial Application and the Subsequent Application, Bethpages auto loan rates increased; however, as a courtesy, we agreed to honor the interest rate you were initially approved for on your Initial Application.
  
  Automatic Payments
  
  On January 6, 2023, you completed the necessary documentation to set up recurring automatic payments to be withdrawn from an account at ************ On January 11, 2023,you set up a secondary automatic payment via your Bethpage online banking which caused duplicate payments to be debited from your *********** account for both your January 2023 and February 2023 installments. Please be advised that both duplicate payments were rejected by ***********, therefore, the funds were not applied to your auto loan. Additionally, we have no record of any requests to cancel the recurring automatic payments you initiated on January 6, 2023; however,these payments have all been rejected by *********** due to a stop payment request. Due to multiple rejected payments, this recurring automatic payment has been cancelled. This was explained to you on October 16, 2023, by a branch representative.
  
  Interest Rate
  
  As part of the auto lease buyout process, additional action was necessary on your part to properly transfer ownership of the collateral vehicle, which included registering and titling the vehicle with the ********** of ***** Vehicles. This was explained to you at loan closing on November 17, 2022, and again via telephone on March 10, 2023. Bethpage also made multiple attempts to contact you via email between February 7, 2023, and March 30, 2023, to advise you that your rate was subject to increase if no action was taken on your part to properly transfer ownership of the vehicle, to allow Bethpage to perfect its lien on the vehicle title. In addition, your agreement to ensure Bethpages lien is perfected was acknowledged by you on p. 2 of the Closed-end Note, Disclosure,Loan and Security Agreement (Agreement) that was initialed and signed by you on November 17, 2022. Per the Agreement, if Bethpage is unable to perfect its lien on the collateral pledged for any loan, or the value of the collateral deteriorates significantly, the loan may be treated as a signature loan under a line of credit for the purpose of determining the Interest Rate, and the Interest Rate shall increase to the highest signature loan rate in effect at that time.  
  
  
  Current Status of Your Loan
  
  Once the transfer of ownership was completed, Bethpage was able to perfect its lien on the vehicle title in August 2023. As a result, the interest rate on your auto loan was restored to the original rate. As of the date of this letter, your auto loan account ending x4744 is in good standing.  
  
  Based on the information above, we have found that there was no error on Bethpages part during the loan application or loan servicing process. I hope this information helps bring clarity to the situation. However, should you need any additional assistance or have any other questions regarding this matter, you can reach me at **************. I am available Monday through Friday, 9AM to 5PM (EST).
  
  
  
  Sincerely,
  
  
  *****************************
  Bethpage Federal Credit Union
  Member Advocate, Member Experience
  

  Customer Answer

  Date: 12/07/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

  [Your Answer Here]

   

   You guys just want to beat around the **** and take zero accountability. You are lying through you teeth if youre saying I withdrew my application. Your establishment wanted to withdraw my application just to hit me with a larger rate, check the audio calls, you think Im lying.WHY ON EARTH WOULD I WITHDRAW MY OWN APPLICATION. PLEASE LET ME KNOW WHERE THE BUTTON FOR THAT IS. PLEASE LET ME KNOW WHEN THE CALL WAS PLACED TO CANCEL IT AND SHOW ME THAT AUDIO FILE. I needed that money ASAP and ***** charged me with $1500 more just because I had to RE FILE WITH YOU GUYS after you tried to outhustle me out of my interest rate. You guys are the lying sea urchins. I called Bethpage HOW MANY TIMES to fix the automatic payment issues, it went on for more than 6 months. I voiced my concern and you guys banned my account. Its clear you guys want to constantly play this defensive thing instead of offering a solution I have no choice but to pursue litigation at this point. And as far as the the Bethpage rep who claims I cursed at him. He wouldnt stop harassing me, so I told him to F off. I reserve the right to tell anyone and everyone to F off if theyre moving shady.

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *******************************
  
  
  
  
   
  

• Initial Complaint

  Date:10/23/2023

  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 October 20th, 2023, I filled out an application for a Home Equity Line of Credit. According to the denial of this application, Bethpage Credit Union employees claim to have received a credit score of 659 from Experian. This is incorrect, as the provided screenshot will show. My credit score *from Experian* is currently 744, and has been above 739 for over a year.I suspect either this business is stealing information, including social security numbers, or they have dishonest employees, unwilling to complete paperwork necessary to complete the line of credit.

  Business Response

  Date: 11/06/2023

  Dear ***************************,
  

  Your correspondence to the Better Business Bureau (BBB) was received by Bethpage Federal Credit Union (Bethpage), and we appreciate the opportunity to review and address your concerns.
  In response to the correspondence, dated October 21, 2023, Bethpage has reviewed your claim and determined that no error was made in the processing of your Home Equity application. Bethpage implements and follows certain lending guidelines for all loan applications to mitigate certain risks and potential financial loss exposure. Like all lenders, Bethpage assesses your credit profile to determine whether to extend credit to you after an application is submitted. In your complaint, you allege that Bethpage was somehow unwilling to process your application and provided you with an inaccurate credit score. Please be advised that there are multiple credit scoring models that lenders may utilize when assessing an applicants eligibility for a loan, which may differ from the scoring model you refer to in your complaint. As indicated in the Adverse Action letter sent to you, dated October 20, 2023, you have the right to obtain a free copy of the credit report we relied on to make our decision if you submit a written request to the agency named below no later than 60 days after the date of the letter.
  

  ******************************************************** *** ****
  ****** ** ********
  **************
  ****************
  

  I hope this information helps provide clarity to the situation.
  

  If you need any additional assistance or have any questions, you can reach me at **************. I am available Monday through Friday, 9AM to 5PM (EST).
  

  Sincerely,
  *****************************
  Bethpage Federal Credit Union
  Member Advocate, Member Experience

• Initial Complaint

  Date:10/11/2023

  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.

  My Savings account was closed without any type of notification, or my permission and my Funds were turned over to the *******************. My August ********* reflected by current balance and my September ********* reflected that my funds were subject to "Escheatment" and the bank even took it upon themselves to charge me a $5.59 service fee that they deducted before turning over my funds to **********. At no time did I receive any communication that this was going to happen.

  Business Response

  Date: 10/26/2023

  Dear *********************************,
  Your correspondence to the Better Business Bureau (BBB) was received by Bethpage Federal Credit Union (Bethpage), and we appreciate the opportunity to review and address your concerns.
  In your correspondence, dated October 11, 2023, you indicate that your savings account was closed without any notification, or your permission, and the funds were turned over to the *******************.
  Bethpage has reviewed your claim, and our records indicate that a notice, dated July 5, 2023, was mailed to the address we have on file to advise you that the ******************* considered your accounts abandoned. Regulations require us to send funds from any abandoned account to the last known state of residence. In the same letter, you were given the option to activate your account by signing the notice and returning it to us within 30 days. We also attempted to contact you at the number we have on file, however, we were unable to reach you as the phone number was not valid.
  Once the funds are sent to your state, you must contact the *********************** to recover them. Bethpage is unable to recover the funds on your behalf. It typically takes up to 90 days for the state to update their files with your information to process your claim. Enclosed, please find a copy of the notice that was mailed to you.
  I hope this brings clarity to the situation.
  If you need any additional assistance or have any questions, you can reach me at **************. I am available Monday through Friday, 9AM to 5PM, EST.
  Sincerely,
  *******************************
  Bethpage Federal Credit Union
  Member Advocate, Member Experience

  Customer Answer

  Date: 10/26/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because

   

   I never received the alleged letter dated July 5th but I do receive all my monthly statements.  I also never received a phone call.  At this point I would like to be reimbursed for the service charge that the bank applied to my account before giving away my remaining Funds to the ******************* which I will have to go about retrieving on my own.  

   

   

  In order for the BBB to appropriately process your response, you MUST answer the question above.

  
  Sincerely,
  
  *********************************
  
  
  
  
   
  

  Business Response

  Date: 11/08/2023

  November 8, 2023
  
  Dear *********************************,
  
  Bethpage has reviewed your additional request and as a courtesy, we have determined that we will reimburse the $5.59 fee charged to you during the Escheatment process.Please be advised that a check has been remitted via regular **** mail to the address on file. 
  
  If you need any additional assistance or have any questions, you can reach me at **************. I am available Monday through Friday, 9AM to 5PM, EST.
  
  
  Sincerely,
  
  
  *******************************
  Bethpage Federal Credit Union
  Member Advocate, Member Experience

• Initial Complaint

  Date:10/11/2023

  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.

  I refinanced an auto loan sometime in March/Aprilish, for my 2020 **** Ranger.I was not told I needed to do anything other then bring a title, and a pay off letter from the other institution. I get emails later saying they need a lein pay-off or they would raise my rate. My father passed away around when they needed this (early jone) I let them know I just needed a little time to get it. They replied with something like "thanks for letting us know" (Real nice in light of a loss!)I sent it to them via certified mail. I have provided the receipt as a .pdf.I never received any contact from them on this mailing. They continued sending notices. I called them and told them hey I mailed this. They then contacted the old institution, got what they needed, and sent me a document to sign and ***** back to them with a slip they paid for. I did.I never heard anything from them. after this. I was told over the phone I did not need to worry about the rate being increased.Until suddenly I notice on my account my interest went up to 18 points, and my loan payment is almost 150 dollars more! I received no notices, no phone calls--no nothing.I contacted them, told them I fed-exed what they needed. They responded on a no-reply email, telling me they needed a title with a lein on it. They didn't mention anything about me fed-exing it. They didn't mention anything about the *** paperwork they were doing.I tried to call them but their lines were busy. They haven't replied to my additional messages with the receipt.I am absolutely infuriated. This has been going on for months. I have remained level-headed about it until now. I am literally ready to blow a gasket. Why am I responsible for their mess-ups?Am I going to get an adjustment back once I get the lein on the title? or are they going to address this?I am so mad. Why do I have to pay for their mistakes/miscommunications/governmental delays?

  Customer Answer

  Date: 10/13/2023

  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 and the matter has been resolved.
  
  Sincerely,
  
  *************************
  
  
  
   
  
  

• Initial Complaint

  Date:10/05/2023

  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.

  I have been trying to pay my credit card payment since last week. First, i tried to pay online but apparently the bank has changed systems and sent out new credit cards ( I have moved so they may have mailed to my old address- I'm not sure but I haven't received an updated card)- therefore I am unable to make payment online because I don't have a new card to activate. I called last week and after going through the entire automated process to try & finally get ahold of someone (takes absolutely forever)- the outsources "card member" services could not assist me and kept saying it's because my account was past due and kept transferring me elsewhere (no answer, of course!- over and over again). When I finally got ahold of someone, they told me to hang out and then whoever they transferred me to didn't answer. So I gave up. Today, I have called at least 8 times now, this has been going on for the past 2 hours. Same thing keeps happening- I was also hung up on after being placed on hold. On one of the calls I was sent to a supervisor who didn't answer. On another call, the supervisor answered- I explained the situation- She said to hold on, and then she randomly just transferred me back to the automatic main number **************** again, for what! I am literally trying to pay them money for my credit card!! I am going to end up getting hit with a late pay on my credit report if no one is able to take my payment. I don't understand why this is so hard? I'm trying to pay them money and not one person can take my payment?

  Customer Answer

  Date: 10/06/2023

  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 and the matter has been resolved.
  
  Sincerely,
  
  ***********************************
  
  
  
   
  
  

• Initial Complaint

  Date:08/21/2023

  Type:Sales and Advertising 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.

  Bought out my Leased 2020 Chrysler Pacifica from Bethpage Federal Credit Union, with buy out payment clearing by Bethpage Federal Credit Union on July 6th. Second week of July, I reached out to Bethpage after receiving notice, they had taken by last "lease payment" paid June 21st of 2023, of $450 and placed it in a savings account rather then apply it to the car as payment. When calling to discuss the $450 payment and have it returned to me - Bethpage informed me the buy out price for the vehicle was short and there was a late fee on the vehicle. I explained, they, themselves faxed the buy out paper work to my bank. With multiple phone calls and after being informed agents would need to speak with their supervisors to look into the matter. I was informed, my buy out payment was not received until July 7th (even though there is proof of the check clearing on July 6th via Wiremen's Credit Union) And they would need to take the $450 which they placed in a saving account to finish paying off the vehicle. On July 12th - the issue was resolved and the vehicle was paid off in full - as they fixed their own mistakes. Bethpage informed it would take 1-2 weeks for me to receive my Title and they would put a rush on it. August 10 - Placed call to my bank (Wiremen's Credit Union) asking if the car title had been received - it had not, but it was shown Bethpage requested a title duplicate on July 14th. However, the vehicle is still listed under Bethpage ownership. August 21st - I have not received a title yet, the vehicle is still listed as Bethpage has ownership of the vehicle despite them receiving pay off with check cashed on July 6th, and I have already made first car payment under new buy out loan. Aug 21st - Placed call to Bethpage - again was told they needed to look into their records and I would receive a call back. Placed a second call to Bethpage on Aug 21st asking to speak with a manager. The first manager was not able to help me and needed to transfer me to the leasing department agent - asked I speak with a manager within the leasing department - was not allowed. Was informed I needed to stop complaining and they were not my therapist. Was informed- all day people have problems they need to resolve and it's what we do and part of life. I demanded my title be overnighted, at this point - they have stolen my car, as I am already making payment and they have the car in their name. Received a call back from Bethpage - again, informing me, they are working on the situation.

  Business Response

  Date: 10/27/2023

  Dear ******* *******,
  
  Your correspondence to the Better Business Bureau (“BBB”) was received by Bethpage Federal Credit Union (“Bethpage”), and we appreciate the opportunity to review and address your concerns.
  
  In response to the correspondence, dated August 21, 2023, Bethpage has reviewed your claim and determined that this matter has been resolved. On October 20, 2023, documentation related to the buyout of your motor vehicle lease was delivered to the address we have on file for you.
  
  We apologize for the inconvenience this has caused you and appreciate you bringing this matter to our attention. If you need additional assistance or have any questions, you can reach me at ###-###-####. I am available Monday through Friday, 9AM to 5PM (EST).
  
  Sincerely,
  
  ******** ******
  ******** ******* ****** *****
  ****** ********* ****** **********

• Initial Complaint

  Date:08/10/2023

  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 fianc and I had an auto loan through Bethpage Federal Credit Union. In mid-May the car was in an accident and totaled. Our insurance (Progressive) issued Bethpage a check for the remaining total on the loan when the car was in the accident. Bethpage claims they never received this check and has been issuing us late fees and interest charges on our account. We have contacted Bethpage over 35 times at this point and have had our insurance reissue this check 5 different times now. This last time we ***** overnighted the check and I can see that it was received by them on 8/2 and was signed for. Bethpage is not posting this check to our account and when I call to follow up with someone they are telling me that they see they have the check but cant figure out why it is not being applied to the account. This is severely affecting our credit at this point. My credit score has dropped 75 points in the last 10 days because of this loan. Im at my **** end and have no clue what to do. No one is helping us and this is affecting our lives. I am just sick over this whole thing.

  Customer Answer

  Date: 09/05/2023

  Better Business Bureau:
  
  At this time, my complaint, ID ******** regarding Bethpage Federal Credit Union has been resolved.
  

  (By clicking "OK", your complaint will be closed as Resolved.)

  
  Sincerely,
  
  *******************************