Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GLOBAL CREDIT UNION
State: CA

Complaint narrative:
This complaint is for Global Credit Union. I received a loan from Global Credit Union, for a used car loan on XX/XX/XXXX, in the amount of {$310.00}. The first payment was due on XX/XX/XXXX. I manually processed the payment on XX/XX/XXXX, XXXX days later on the XXXX I received a non-sufficient funds email. When I called, they told me that the payment could not be processed, because of no funds. I told them that the payment had been in the account and ready to process. I made the payment again and the payment went through just fine. XXXX the same thing but this time I processed the payment on the XXXX of XXXX, and they tried to pull another payment claiming non-sufficient funds. In XXXX I set the payment up for automatic payment for XX/XX/XXXX, when the payment didn't process, I called and was told by a representative that the automatic payment needs to set up on their end. The representative took my bank information over the phone and told me that now everything is set up and since today is the XX/XX/XXXX I could put the payment date for the XXXX. I agreed so that the payment could process, and I wouldn't be charged a late fee, and he assured me that I have a ten-day grace period. I asked the representative if this will be my new payment date or just a one-time event for the payment to process? He said he could set it up for the payments to process on the XXXX of each month, and I said that would be fine. I called back in XXXX, only to learn that I had to payment dates still, the XXXX and XXXX. I told the representative that the payment date was changed to the XXXX and I should have only on payment date. She said no that I have XXXX, and which date do I want? I said the to keep things simple the XXXX is fine. XXXX comes around and the payment processed on XX/XX/XXXX and another payment was tried on the XXXX of XXXX, prompting a non-sufficient funds email. I called again only to find out I still had XXXX payment dates, I asked the representative to remove the XXXX date and to remove my bank information from the system and I will go online and process my payments manually. As of XXXX, I am out on medical leave and the money I received was only XXXX days passed the XXXX, there was a double payment when I went online to process my payment on XX/XX/XXXX, I called of course, the representative and the XXXX both told me that XXXX. The payment is late XXXX. The payment could not be processed automatically, and finally XXXX. The system automatically generates the payment anyway. After asking which one was it XXXX, or XXXX because XXXX & XXXX were false the XXXX hung up on me. I called back and since I am temporarily out of work, I was reminded that I could push XXXX or XXXX payments to the end of my loan. I made my payment for XXXX and was asked who, what, how when and why's. I explained that it was a medical issue and hopefully by skipping XXXX and XXXX payments my doctor can by then release me to go back to work or I will start to get XXXX. That was on XX/XX/XXXX, that it had asked for XXXX months payments to be placed at the end of my loan. I was told between XXXX to XXXX business days I would know if it was " Approved '' or not. Today XX/XX/XXXX I called to check the status of this approval, and I was told that it needs to go through a couple of approvals because they are not sure if I will be able to continue with the loan at the end of the extension. and it will be another XXXX to XXXX business days, If I count the days correctly XXXX business days will be XX/XX/XXXX and XXXX business days will be XX/XX/XXXX. So, I was told that the system automatically generates the payments or are they setting me up so that they can put as default and repo my car. I have called them every month from XX/XX/XXXX, because they sent me a letter saying they could not fund me but then all of a sudden, I'm funded all the way until now XX/XX/XXXX. I have a feeling I will be calling them again. This is very stressful, some the representatives and specialist are rude, and repeat the same thing. I do not feel I am being treated fairly, or they are a big scam. I need to get out from under them, but I feel completely stuck. I need them to be held accountable and to straighten up and stop. I am so tired, and I am not happy with Global Credit Union at all!

Company response to consumer: Closed with explanation