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  • To start off with the fact that I had automatic payments set on the loan I got through them and never actually had to pay or "miss" a payment physically - they kept posting my payments late and it began when they called me and told me that I owe $74 because I didn't have insurance coverage (mind you I sent them the whole policy which was from August to December with full coverage) and they yet claimed that somehow I did not have insurance coverage from October 21st to November 10th. I don't think that's how insurance policies work and you are somehow magically not covered in the middle of the policy - but nonetheless moving on, I told that I would not pay that $74 and they kept pilling and pilling late payments and kept calling me and I kept explaining the same thing over and over again and my fiancee got involved and it just seemed like it would never be taken care off. So fast forward, many phone calls and going back and forth of how this isn't right and I will not pay what I do not owe, it got racked up to $480ish or something and then I got into a car accident and had the car get totaled. AmFam sent them a check literally 2 weeks after and they were supposed to do the GAP Insurance claim for the rest of the loan. Guess what these intelligent employees do? Ask me for a payment of $174 because I still owe on the loan and they have been posting payments late and reporting it to the credit bureau AGAIN. So yeah. Nightmare, headache, low credit score thanks to literally this garbage credit union. Can't really say that I am not ready for this to be over, but someone really doesn't wanna do their job and be a "customer service representative" over there.
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