Complaints

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

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  Sharonview Federal Credit Union

  1081 Red Ventures Dr Fort Mill, SC 29707-5001

• 

  Sharonview Federal Credit Union

  PO Box 2070 Fort Mill, SC 29716-2070

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:05/15/2024

  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 reviewed my Consumer Reports and noticed that there was an inaccurate account(s) on my ********************** report ACCOUNT NAME: ********************** FCU ACCT#****** *************************** have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.I contacted "SHARONVIEW FCU" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

  Business Response

  Date: 05/17/2024

  Sharonview requests the member contact us directly for more information about her complaint. Please give us a call at ************ or send a message to ********************************* so we can investigate further. Thank you.

• Initial Complaint

  Date:02/12/2024

  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 have a car loan with this business currently and Im going through a financial hardship. I have been paying for this car for 6 years or more. I have never missed a payment and I have always paid on time. I have a very high interest on this car due to me not having credit at the time of purchase but it was the only car I could get approved for at the time and I had a job so I had to take what I could get. This car has done nothing but gave me issues I have already replaced the motor in it. As of a month ago it broke down again the transmission blew. I dont have the funds to fix it. I obviously still own on this car the balance is ********. And there saying the pay off amount is 5000 something which I find ironic because I always though the pay off balance is less then the regular balance but I have to take what they say. I called them today and advised them I have 2000 dollars and I also can make the febuary payment which is ****** and could I negotiate with them on the balance due and they told me no, thats something they dont do. So I asked if I could get a manager to call me back because I just couldnt see why they couldnt help me when Im not that far off and Ive been a paying customer to them for 6 years and the car is broke down and if I was to stop paying for the car it would hurt them more then it would hurt me because they would lose out on more money then they would with me paying them. I got a call back from the manager and she didnt seem any more willing to help as the last person. She said the car wasnt worth anything and she was going to do the favor to them and to myself to not come get the car because its not worth anything and I could either pay the car off or I could not. she basically advised me to not make the payments for 3 months so it could go to a collection agency so then I would be able to negotiate. I asked her as the manager there wasnt nothing she could do changed the balance, remove some interest, anything. She advised no.

  Business Response

  Date: 03/06/2024

  Sharonview has communicated with this member that we cannot accept settlements on active loans. We recommend the member continue paying off the loan balance as agreed until the balance is paid in full. Thank you.

  Customer Answer

  Date: 03/06/2024

   
  I am rejecting this response because: Sharonview is just stating what they advised me couldnt be done. Which has already been said. They havent provided any options To help or make up for the issues addressed. 

  
  

  Business Response

  Date: 03/25/2024

  The recommended option for the member at this time is to continue paying off the loan balance as agreed until the balance is paid in full. Please give us a call at ************ if there are any additional questions. Thank you.

• Initial Complaint

  Date:02/06/2024

  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.

  On 2/2/2024 I went into the *********** branch to obtain a debit card one for myself and one for my daughter ONLY. The bank teller recommended that I transfer money from one account that I would eventually close into another account that I would be using more often. Doing this caused me to loose $64. Had the bank teller not suggested this, my funds would have remained where they were and the "Courtesy Fees" would not have been applied.On 2/6/24 I called the bank and spoke with the branch manager. After several minutes of arguing his point, the branch manager agreed to remove 1 of the fees. When I notified him that I would contact the corporate office to complain, he stated "since you're going to ************* them to remove the fees" We continued to go back and forth for a few more minutes until I decided to deescalate the situation and move on as we were not getting anywhere. As a branch manager, it is your job to listen, remain calm, and empathize with the customer. He never once let me know that he understood where I was coming from, but instead took everything very personally and never apologized for the error, miscommunication or anything. This is unacceptable. I could go on but there is some serious customer service training that is lacking here and needs to take place. You are dealing with people's money, what people work their whole lives for, it is not something that should be taken lightly. Please get some training at the *********** location.

  Business Response

  Date: 02/07/2024

  We have reviewed the member's account and determined that the fees incurred are associated with the Courtesy Pay Fee. This fee is optional and was opted into by the member to facilitate transaction processing in cases of insufficient funds. In response to their concerns, we have waived and refunded one instance of the fee and given the member the option to opt out of any additional fees in the future.

  Customer Answer

  Date: 02/08/2024

   
  I am rejecting this response because:

  As stated I did not come to the branch to make a transfer.  I never do that. I only make transfers online. 

  The actions of the bank representative caused the account to have insufficient funds.

  Request both courtesy fees be returned.

  This was not due to my actions.

  
  

  Business Response

  Date: 02/14/2024

  Sharonview asks that the member call our ************************ at ************ or visit a branch for further assistance. Thank you.

• Initial Complaint

  Date:01/11/2024

  Type:Service or Repair Issues
  Status:

  UnresolvedMore 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 complaint has to do with predictory lending practices and poor service. I have an account with ********************** and did take up an offer for a credit card with them. I enrolled into thier On line Bill *** program. I just realized with great consequence that they don't have a rapid response to members about undeliverable payments like other banks. A payment took over a month pls before I was told that it was the wrong address. As a result of this, I incurred higher interest and a decrease on my credit score. I was left to face this situation with no accountability on their part.For a billion dollar company like theirs who wants to join the other banks with bill pay services, should have a better way of responding to customers needs in the earliest time possible.

  Business Response

  Date: 01/18/2024

  Our Consumer Lending team has reviewed this member's account and determined that the member made a duplicate credit card payment that could not be cancelled at the time. We have since credited the member's account and notified them by email. Please reach out to our ************************ at ************ for any further assistance. Thank you.

  Customer Answer

  Date: 01/19/2024

   
  I am rejecting this response because:
  Their response time was longer then expected and as a result It cause my credit score to dropped as well as interest charged. Also, the last payment was not the only payment received late. The payment before was not received till the following month. I am not asking for anything unreasonable.  I just want to pay the interest that I incurred as a result of this predictoral practice and not looking out for their members. 

  Thanks 

  Ms. ***********;

• Initial Complaint

  Date:10/26/2023

  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.

  My car loan with Sharonview credit union was refinanced in October 2020. There was a small balance which I paid in February 2021, due to my miscalculation of the pay off amount. Last month I received noticed that my title had not be received by the bank that refinanced the loan. As a result my interest rate was changed to personal loan with a rate of 15% when my car loan rate was 5%. I contacted Sharonview multiple times and was told that the title had been sent. I called the last time and was told that due to an old checking account which was unaffiliated with my car loan that my title would not be released. The car loan has been satisfied. I have not received any notification from the credit union that my title was not being released prior to my notification for the bank that refiinanced the loan. The back of the check stated that upon the loan being closed, the title would be released ot the new bank which Sharonview did not comply. I would like the lien released on my title or provide proof where I agreed that my title could be held if there was issue with another account.

  Business Response

  Date: 11/03/2023

  Sharonview has reviewed this member's complaint and determined that the member has an outstanding balance that needs to be paid before the title can be released. Please call into the ************************ at ************ for further guidance.

  Customer Answer

  Date: 11/03/2023

   
  I am rejecting this response because: my car balance has been satisfied which was confirmed at a branch location in ************, **. Please provide details of my car loan having a balance. My credit report also reflects the car loan balance as paid and closed. 

  
  

  Business Response

  Date: 11/06/2023

  The member has an outstanding balance from a charged off checking account. According to our Cross Collateralization policy, this balance needs to be paid off before the auto title can be released. Please call into our ************************ at ************ for further assistance. Thank you.

• Initial Complaint

  Date:10/18/2023

  Type:Billing Issues
  Status:

  UnansweredMore 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.

  Over the past several months, Sharonview has been charging me enormous overdraft fees, even when I have money in the account to cover the expense. The issue lies in their reconciliation process. Often times I will check my account and it is lower than it should be just to look later and see money is back in the account. When this occurs, if another charge goes through they will charge an overdraft fee even though I have enough money in the account to cover the charge. This has happened many times and what is worst, they refuse to refund the fees! Places like TD dont even charge overdraft fees and Sharonview is milking them from their customers and refuses to pay them back. I have asked them to fix the issue and they had to investigate and promised they would call me back. They never called me back of course. I also told them to take off overdraft protection which they said they would do and havent. I have been with Sharonview for almost 8 years. I can say with confidence that it used to be a great credit union and in the past several years it has really gone downhill. Even in the past, when I occurred an overdraft fee they would often reimburse even when it was my fault. Now they dont reimburse even if it is their fault. They have lost their way and I would look at an alternate for your banking needs.

• Initial Complaint

  Date:10/10/2023

  Type:Order 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 an account with ********************** and called to see if i can have a month deferred or skipped as I am going through A finacial hardship due to a death in my family. I was told I dont qualify because Ive been late 60 days and 30 days at A time in 2022. This is not accurate. I have never been late 30 days nor 60 days. The guy advised when I first started the contracted i didnt pay until months later. I advised him per my contract I did not have a payment due for two months. He advised it shows me 60 days late when I first bought the vehicle dispite the contract saying I had two months to make my first payment. I was denied a deferred payment although **** never had one for reasons that are not true. When i call im constant transferred and disconnected on when Im trying to get the payment deferred before I get A 30 day late on my account. Someone please help or contact me at ********** or **********

  Business Response

  Date: 10/17/2023

  Sharonview has reviewed this member's account and submitted a deferment request to our Financial Wellness team on her behalf as of 10/10/2023.

• Initial Complaint

  Date:08/14/2023

  Type:Billing Issues
  Status:

  UnansweredMore 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.

  Ive been a Sharonview customer for ********** starting to truly regret it . On 08/12/2023 I had two deposits go into my Sharonview account from cash app . One for $540.38 and another for ******. When those deposits went in I already had around $315 in my account . I saw that my balance was $1640 and change . I made a few transactions that day ( total not over $60) . However when I checked my account last night it said my balance was $394 WHERE DID MY MONEY GO ?!?! I thought it may be overnight processing but it is now 08/13/2023 and my account balance is STILL $394 !!!! My mortgage is due by midnight and now I have no way to pay it . Sharonview IS VERY SHADY and should be investigated by the government. I have proof of everything I just stated because I know they will try to deny any of this . EVERY SINGLE NIGHT money goes missing from my account and then magically reappears in the morning . When I complained about this issue they claimed it was due to their overnight processing. But this current situation is different. Its the next day and my money is still gone . Sharonview is doing something wrong I cant put my finger on it but this needs to be investigated.

• Initial Complaint

  Date:01/18/2023

  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 do not recognize this account. This is purely identity theft. This account damaging my good credit reputation!DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!!SHARONVW ********** I will never stop filing complaints against you because I know my rights!In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 *** ******* U.S.C **** section 602 A. States I have the right to privacy.15 ************* (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.15 U.S.C **** section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions.

  Business Response

  Date: 01/25/2023

  After review, Sharonview has been unable to identify any specific actions required for this member's account based on the information provided. We encourage this member to contact our ************************ at ************ so that our teams can consult with her and help investigate her concerns. Thank you.

• Initial Complaint

  Date:01/10/2023

  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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.SHARONVIEW FEDERAL CU 430161000033****I do not recognize this account. This is purely identity theft.

  Business Response

  Date: 01/13/2023

  After review, Sharonview has been unable to identify any specific actions required for this member's account based on the information provided. We encourage this member to contact our ************************ at ************ so that our teams can consult with her and help investigate her concerns. Thank you.