Friday, October 19, 2012 - 11:20 AM

AVOID This Credit Union!!

(1 stars)

The ONLY way we ended up here is this is who approved our vehicle loan which we purchased approx. 15 months ago. There was some confusion on my part as to the actual loan payment amount and I could not locate my loan documents that were put into storage. I was paying $414 a month and on occasion I would pay $425 to $450 in order to pay it off sooner. Approx 10 months into payments, I was notified we had no insurance and needed to provide them with proof of coverage, which we did. 5 different times!!! We were finally told they received it, then the next month they charged our account over $4,000 for auto insurance!!! We called them yet again and yet again provided them with proof of coverage! They refunded the insurance as we had never lapsed, just had changed carriers. The next month, in Oct. 2011, they reported us as 30 days late!! We called yet again and were told that it was because of the added insurance and that we didn't send in the difference, but that we needed to dispute it and they would remove it. We did dispute it with 2 credit bureaus and they did not remove it and reported it as accurate. After many phone calls to Angel Gonzalez, who is worthless by the way. He does not do what he says he will. He does not follow up and take care of what he says he will. We also spoke with a Mr. Humes in collections who seemed very confused as to what our payment was as well. He kept referring us back to Mr. Gonzalez. Approx 6 weeks ago Mr. Gonzalez told my husband he would get a copy of the sales contract to see the correct payment amount because we still thought the added insurance was calculated in there. We never heard back from him. Then we started receiving letters saying we were past due and to submit $0.00. ???? What??? I called to find out what that was about and they didn't know. Just talked to Mr. Gonzalez again, 2 weeks ago. He said he had the sales contract and the payment in fact was $426 a month, not $414 as I thought. He said he would mail it out to me. Here it is October 19th and never got a copy of it from Mr. Gonzalez at Tropical Financial Credit Union. I just received yet another notification that TFCU has now for a second time charged us with being 30 days late!! We haven't had even one late payment in 10 years and this credit union is single handedly ruining our credit. We need to purchase another vehicle and have been fighting this for months, but only get erroneous information and no return calls!! Mr. Gonzalez told me last week that he would speak with his boss who was on vacation about removing the 30 day lates due to all the confusion and lack of follow up on their end. Guess what. Its been a week and no one got back with us or removed the now 2 30 day late reportings!!

dwilliams3091 posts since
Oct 19, 2012
Rep Points: 5