Consumer complaint received 2022-02-21
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I AM BLOCKED FROM MY ONLINE BANKING ; Permanently?

Golden1.com is now requiring me to receive a text message or phone call in order to pay my bills.

We do not have such agreements, and if they say I do it's only because the computers do not let you have a choice in the matter and coercion is the only end result.

Under the US Debt ACT, I have a right to my bills, and Golden1 is requiring a phone number or an email in order to pay my bills.

I have been a member since 2005, and I never needed a phone before or email ....

Golden1 still refuses to do anything to rectify the situation, where I can not logon to the golden1.com website to view my bills for over two-weeks now going on three or more weeks without knowing how much my bills are, as they required me to go paperless to pay bills online but will not let me see those bills .... [ violation of both federal and state laws ] I called numerous times, and all customer service reps said they could help, but only wasted my time harassing me and NOT fixing the required phone number to access bill pay -- -we 're not in a contract to require a phone number to pay our bills. 
they don't get it. 
Help me from this controlling monopoly running credit union who is NOT playing by the RULE of LAW created in UNITED STATES OF AMERICA Under the Debt ACT! 
Failure to see my debt/ the debt is NOT VALID Failure to allow me to see my debt -- Thou Shall Pay restitution thereof for all expense thereof AND IS/Will Be req 'd to pay fines of not less than {$5000.00} for breach of contract to do such banking -- as we did not have a contract to require a phone number to pay bills, and where an additional {$5000.00} fine for time and troubles and abuse of such systems placed per FDIC to receive such funding under Credit Union Rules, where such State Statutes exists under Law in California can be held against such credit unions for failing to help people pay their bills... 
I even went into the bank to see if they could remove the phone number requirement from their website, and they said they could and did. 
Now I can not logon at all, because it now shows there is no way to be verified, and the only button that is clickable is the CANCEL button. The phone number requirement is not selectable, and the website will not let me logon still to pay my bills. 
Numerous weeks have gone on and overdrawn in my account -- Golden1 refuses to let me login, despite asking in person and on the phone numerous times.

SO THAT'S iT?

NO MORE BANKING ONLINE BeCAUSE I DON'T HAVE A PHONE?

STOP Please HELP me stop stupid behavior in either directly a violation of my constitutional rights for a contract to pay my bills and as stated under the US DEBT ACT, The right to view such bills, where I am being deprived to that right and why you have received this complaint.

If the norm is to have a phone or if one does not, do they exist?

Under the Debt Act, one does not need to prove they have a phone number to pay their bills.

Nor will you find such rules/laws stating that I gave up my right to pay my bills online in anyway due to the surrendering of a personal phone number ; where Golden1 simply required a phone number without consent, before requiring me to sign up to view my online banking where I thought it was strange that a bank was able to deprive people from their rights to pay their bills if they didnt provide either a phone number or email, where they have always had these on fileand never asked for them since 2005. 
When asked to provide a phone number I put XXXX XXXX XXXX the first time, but didnt workso I had to put my phone number for real, or I wouldnt be allowed to view my bills ; but when prompted for an email, I was angry by this point and realizing they didnt have these rights to ask such questions, I put, XXXX ..., or something like thatAs I never seen anyone violate my Countrys Positionality of my Rights to pay my bills before Under these here US LAWS for which it STANDS.

I have to have a phone number beginning now in order to pay my bills?

Golden1s way or no way at all when requiring such demands is a violation of numerous laws I never agreed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation