Georgia's Own Credit Union
Reviews and Complaints

Let me start by saying that since 1999, I have been a devoted Georgia's Own Credit Union member. I have 5 accounts and a current auto loan through them. Until August of this year, I had never experienced any problems with them.

I got multiple text alerts early on the morning of August 15, 2023, informing me that someone was trying to charge my card in Kenya. The transactions varied in amount, from a few dollars to about $100.00. Except for one that was pending for $58.00 plus a transaction fee, all of the transactions were denied.

I immediately called Card Services to let them know, and I locked my card. My conversation with a Fraud department representative informed me that I would receive a new card. It was not possible to address the "pending" transaction until it was posted. My new card arrived a week later and it had a balance stemming from the transaction that was outstanding on my "old" card, which had now posted. After speaking with several people, I was told to file a fraud report.

A fraud report was filed, I had to mail in a form and I've had to call multiple times to follow up.. A few weeks later I received a letter that stated the claim was denied. I called in and was informed that it was filed incorrectly and someone would correct it but that it was being handled.

This has been a never-ending loop of talking to lots of people. I was instructed not to worry each time. When I called after receiving the 1st late fee, it was waived. When I started getting collection calls and yet another late fee, I called again. The total credit for late fees so far is $50.00, and the outstanding balance is $60.00. I now have a 3rd late fee.

I made another call this evening to Card Services, who transferred me to Fraud, who transferred me to the Dispute Department who transferred me to another department who said that they would need to transfer me to someone else.

At this point, I want to cancel everything with Georgis's Own! It shouldn't take months and person after person after person, call after call, repeating the same story and getting the same runaround! On top of this, my account has been marked as delinquent, according to a new credit alert I just received!

There are some rotten peaches in this Credit Union! DO BETTER FOR YOUR MEMBERS!

Worst customer service. A bank that you should not trust. They will get money out of your account and then without warning close the account.

DITTO TO THE POST FROM JANUARY 27TH! We have been trying to reach a human for over two weeks! Finally got someone on the phone this morning, only to have them hang up on us! UNREAL!

I opened a credit card. Twice now they have charge me a late fee and interest on payments i have made on time.
They also haven't credited me the correct amounts on my payments.
It takes forever to get someone from customer service to help me.
These guys seem sketchy and looking for opportunities to charge interest and penalties.
I don't trust them.

Customer service is incompetent, rude apathetic and will lie to cover their behinds. Their technology is insanely inadequate (apps, website, IVR are all terrible). Even supervisors lack basic finance and math knowledge.

I have spent literal hours on the phone trying to resolve an extremely simple issue with my car loan.

Don't do business with them.

I have been a member for over 25 years and my experience in the past two months has been a nightmare. I Bet I have "talked" to at least 10 people with no results. My account has been screwed up and nobody I talked to has had a clue. My credit has probably been ruined by their mishandling of my account. I am giving serious thought to moving my account to another bank. Do any of the honchos have a CLUE as to what has been going WRONG? THere is NO EXCUSE for this poor behavior and confusion.

d give you a zero but not an option. I have been a credit union MEMBER for over 30 years since it was a telephone employee only credit union. Back when you treated MEMBERS with respect. It is Christmas time, I'm on a fixed income and we are in a pandemic and I am one day late and you deactivate my card. Why. I've talked to 4 people now and only get we are so sorry you are hurting but I'm not the person who can help. So as soon as my feet are back under me this retired telco member will be deactivating my MEMBERship. Good riddance.

I cannot believe in the middle of a pandemic that the IRS would not post payments to Georgia's Own Credit Union Accounts. The funds are pending as of 12/30 and they will not release until 1/4 That is absolutely ridiculous! There is nothing on Georgia's Own credit Unions website stating this, instead you are left holding for 15-20 minutes because of all the calls. I am going to consider changing because this is utterly ridiculous! People are hurting and left to do nothing until Monday...Wow! I only left one star because I had too...

My husband and I have banked with Georgia's Own for over 7 years. However, we are sick over how we have been treated when we needed the bank's help the most. We had a fraudulent charge show on our account for over 2,000 dollars. We were told they would provide us with a credit while they conduct their investigation. We were to receive the money within 10 business days, and that has not occurred. We were also told the investigation would take 10 days, then were told 45 days and now they say 100 days. We have 2,300 dollars missing from our account and zero answers. Every time we call we get jerked around for over an hour and end up getting treated disrespectfully from their customer service for inquiring about OUR hard earned money that we trusted them with.

My mother just died and I am executor. My wife and I called ahead to make sure we would have everything we needed.to handle my mothers account. It was notgood enough for the rude young lady waiting on us. All she would say is that they would have to check their archives, and couldn't say how long that would take. She did share with us that it was her last day. So, the next day we called and spoke to the manager of the Marietta branch, to find out who would be taking over for the girl leaving. We could not believe her attitude! She said she could not tell us how long it would take to search the archives nor who would be getting in touch with us. She cut us off with this statement-- we know what we are doing. This is not the first death we've handled. She may know what she's doing, but she didn't share with us. Since this is the first time I've had a mother pass away, I'm not as versed as the snob manager.

The Credit Union's decision to move to the new touchless VISA credit card has been a complete failure in our opinion. On August 23 we were forced to discontinue use of the old cards and asked to start using the new cards. At that time ALL of the Reward Points accumulated with the previous cards disappeared. The total was at last count was approximately 73,000 reward points. To this date September 10 we have been unable to find a single member of the Credit Card / Reward Redemption Groups at GOCU to be able to tell us how or when we will gain access to these redeemable credits. My wife and I wanted to use them to purchase air fare and hotel for a trip out of town to attend a funeral of a loved one, but had to resort to purchasing the fares and hotel rooms out of pocket. This breakdown in the process of conversion is totally unacceptable and the groups involved have been uncooperative while we wait and wait for an answer to our complaint. The only group that has corresponded back to us about this fiasco is the Member Services people but they don't have a clue what is going on with this issue.
Please contact me at any time for any additional information that you require to clear up this deficiency.
*** M

I'm requesting that Georgia's Own Credit Union modify the late payments reflected on my accounts to the credit reporting agencies from late to current. According to the Cares Act and the fact that we'd applied for hardship consideration during the specified period between Mar 2020 -Oct 2020.

Covid19 has presented some challenges, and our sales have been drastically affected. Once finally re-opened, we were forced to shut down again due to a restaurant's fire next door.

We're hoping that Georgia's Own Credit Union will take up the cause and take the appropriate actions because of these extenuating considerations.

In your evaluation, if you look at my history with Georgia's Own Credit union, you will notice that I have been a member of Georgia's Own Credit union for years and have had several loans. A $175,000 mortgage, an auto loan, and a credit card, all of which were paid on time as agreed.

It wasn't until we purchased our franchise in Dec 2017 that we started falling behind in our monthly debt obligations. The business has been losing money for the first two years of ownership, which caused a depletion of our capital reserves. Also, we've had to sell our home to raise operating capital to keep the business afloat. As first-time franchise owners, we weren't fully aware of all the hidden fees involved in franchising.

These months of late payments reflected on my credit report have drastically impacted my creditworthiness. I initially reached out to Georgia's Own Credit Union hardship department regarding forbearance. I didn't get a resolution until Sep-Oct.

There was a credit card charge for $300 on my account on June 18th that I did not authorize I have called every single week since this has happened and all I keep getting is the run around from fraud to dispute every time I call. No One has told me anything about this other than its going to take 60 days to resolve. I have talked to so many people and every one of them tell me something different. Its already been 60 days since the first few calls and they still have no update. I'm tired of the round about I need this credited back to my account.

In March of 2017 I opened an auto loan with Georgia's Own for my Hyundai Santa Fe for $19,791. I have always paid my debt on time and per my credit history I show 100% of my payments for this account were made on time

However, accidents do happen. In February 2023 a notice dated 02/15 was mailed to me by Georgia's Own Credit union advising I had a past due amount on my loan (partial payment) for $160. When I received the notice on 02/21/23, I immediately reviewed my account and remitted a payment for the entire payoff balance from my Wells Fargo Checking account ($373). Credit Karma confirms this as it reflects my account was reported with a $0 balance, however they also show that between 01/31/23 and 02/23/23, Georgia's Own reported my account as delinquent to the credit bureaus, which dropped my overall credit score 69 points. I have not had a delinquent payment in my credit history since my early 20's and did not know this balance existed. I remitted payment in good faith immediately for the full balance on the account. After initially speaking with a representative via phone at Georgia's own named Amanda, she told me there was nothing that could be done on their behalf. I do not believe this to be true and find it very polarizing that a credit union that I have a line of credit, auto loan, checking AND savings account is unwilling to assist me in clearing an honest mistake.

I had a checkign account with this bank. It the time I was not using the account often and did not have deposits going into the account due to being laid off. I unforutnitly had a recuring charge of a gym membership on that account. I called Georgias Own to have the overdraft fees resolved. In the first call they told me that they could not help due to my personal loan being late but once it is paid they will resolve the issue. I paid that as soon as possible and throught they resolved it. I called back and learn that they did not resolve it and I needed to wait until the payment for my personal loan was posted. By the time the payment posted, they charged of the checking account and when I called about that, a different customer service rep. informed me that I didnt have to wait until tje payment posted and I could have given them the tracking number.I am frustrated becuase I have tried to get this reolved and I got different responses everytime. I would like to not pay the fees.Also, a rep told me that someone would contact me and it has been two weeks since I have not heard from anyone.

My wife made a payment from Georgiasown Credit Union through *** pay to Justice Federal Credit Union for over $1700 to pay off credit card that she has had for 10yrs and we had the same number for 10 yrs. It was paid and someone in Justice Federal Credit Union cashed it but say they can't find where it is. There excuse is that the credit card number has changed but we never got new card nor did we know it changed. My wife contacted Georgias Own Credit Union to see if we can stop payment but it was already taken out of our account at GeorgiasOwn so they denied us a return or stop payment, reason I don't Know. Now we are trying to recover money at Justice Federal where the credit card is and they say they can't find it, why They don't know. What I need is help to resolving this and to get answers into the matter. I don't know why all of a sudden the credit card we have for 10yrs decided to change numbers but was never notified. Someone in Justice Federal needs to be accountable for this action. All I'm looking for is credit the correct amount to credit card for payment.If you need documents to support my claim I'll be happy to, if you decide to help

Deceptive Loan practice on Cash Now Loan July 15 I applied for a Cash Now Loan in the amount of $500. Per the loan agreement, and what I agreed to I should pay $65 per month. I have been paying the $65 and on time. In August I called Georgia Owns CU about some issue I noticed on my account. The issues were, late charges applied, account showing past due, to the fact, Georgia Own CU reported to the credit agencies I have missed a past due payment. I have been calling since August . I have been told the account is fixed. I noticed the error is still there, and I have received collection letter in the mail demanding those past due payment. As I stated, I have been calling every single weeks, several times thorough the days, If I received a return call, it's always goes, "a loan specialist" will call me back." In addition, I was told the account is in good standing and a minor computer glitch. I tried to visit the bank in person. Matter of fact, I went this past Friday, 11/13 and the bank lobby was closed to the public. Georgia's Own Credit Union is practicing deceptive loan practice and I believe they believed because of my past financial history (I recently had a Chapter 13 Bankruptcy Discharged) they can behave in this deceptive manner and that I would pay for the fraud charges.

On 1/29 I did a mobile deposit to my online personal account for a check that was rejected. I have not been able to get it resolved. The check has "Pay To the Order of" *** dba Designs by ***. I have been advised by the mobile banking manager that I will need to open a business account in order to deposit the check. I am a small jewelry designer that does craft shows to sell my handcrafted jewelry, This check is a refund for a show I was going to do in February but got cancelled due to COVID. I had originally paid a deposit to them for a space at the show with check #*** amount $538 dated 11/19 and cashed on 12/03 from my personal account. The company issued a refund check to me for the same amount. I've gotten no satisfaction in getting this check deposited to my account. As I am unable to open a business account online, I don't want to have to go to the closest branch location (which is an hour and twenty minutes from where I reside) to open up a business account just to be able to deposit this check. It was also suggested that I call the company that issued the check and have them reissue it in just my personal name without the dba information. I have been a credit union customer for 35+ years but that doesn't seem to make any difference in resolving this issue to my satisfaction.

I have been a patron of this bank for about three decades. I have a Certificate of Deposit (CD) that matured on 05/11/22. The renewal rate offered by Ga's Own was not competitive, leading me to transfer it to a different bank. I reached out to a Ga's Own representative, who assured me there would be no fee for transferring the CD and provided a form for both institutions to fill out. After both parties completed the form, I returned it. Upon following up about the transfer, I was unexpectedly informed of a $25 fee for issuing the check. This charge was never mentioned before, and I requested the transfer proceed immediately without incurring this fee. The bank's response was unhelpful, merely sending another transfer form without addressing the fee. No other bank I work with imposes such a fee, and I suspect Ga's Own intentionally hides this cost from customers. I insist on transferring the funds to the designated institution as per the original request, without any additional fees.

I purchased a car using Georgia's Own Credit Union in 2020. I have always had full insurance on the vehicle since the purchase with Esurance. On July 28, we purchased a new home and combined auto and home insurance with a new insurance agency.On Oct 27,2020, GOCU added a $5,143.00 Financed Disbursement charge on our account, then added a $5,323.00 Financed disbursement on Sept 14, 2021- Both with no explanation. We never received any notification, letter, or messages indicating that they did not have our insurance information or any contact requesting information. The charges appeared without any explanation. I reached out asking for an explanation and their response was - "The disbursement is a temporary insurance policy. Your insurance agent can fax a declaration page with the lien holder added to your policy to *** directly, as proof of insurance. You may let us know if you have any additional questions or if you need any further assistance."Our insurance agent has sent our insurance binder and all documentation proving the vehicles insurance throughout the entire period and they had no contact from GOCU asking for proof of insurance at any point. I just want to have all the charges removed/refunded and refund any interest if there was any additional interest added because the loan amount increased because of the charges and the loan amortization was incorrect.

Credit card not shipped My credit card was shut off due to fraudulent charges. I was told by the agent on July 15th the replacement card would be sent out with expedited 2 day shipping. I have followed up four or five times since then because the credit card has still not arrived. Only today did an agent transfer my call to a team that could help. At first that team said the credit card had been delivered I assured them it truly had not been delivered. They escalated to a different team to verify what I was saying and discovered their system had a glitch and the credit card never shipped. I was offered a paltry 500 points for this calamity of errors. It is especially painful due to so many businesses not wanting to take cash right now. How do you not have exception reporting when your system fails? Why do I have to keep calling on a recorded line when it's your error? Shouldn't you be calling me to let me know what your broken process has done? This is the third significant issue I have had with Georgia's Own in the past 30 days. The first was Georgia's Own refusing to take a $200 USAA check deposit. The second was Georgia's Own refusal to take a $12,000 deposit through their mobile app even though all information was provided. When I questioned the deposits whereabouts I was told because it was not written on the check that it was for deposit via mobile app even though all of the data was collected in the mobile app. Where else would it be deposited? I was using your stupid app to make the deposit!

Our accounts keep getting hacked and the bank will not stop them from getting into our accounts. We have credit, debit cards, checking and saving accounts with Georgia Own Credit Union. At one point we had a mortgage and car loan. We have paid all our loans off. We have had multiple times where our debit and credits have been hacked. We contacted the bank multiple times and we get transferred around. No one seems to be able to help us. We were told we would hear from investigator with in 48 hours about our case. No one has reached out to us. The company we keep reporting is door dash. They have no reason to take money from us we don't even have account with them. They have hit our debt cards and credit cards. We have replaced them once. And now we got hit again by the same company. What makes me so mad is not one person couldn't help us. I reached out to the bank several times. I was told there no security on my accounts. We have been loyal customers for a long time and never had issues. The bank is sadly unable to provide us with the customer service we deserve. The bank has cause us so many problems. The bank representatives at the branches have messed all our accounts which cause us to overdrawn our accounts. We have never overdrawn since we been banking with them. We have thought about taking our money out and find a new bank. We have always like the bank. We have several amount with a good bit of money in them. I want someone to reach out to us. I want it to be someone from corporate. The bank owes us explanation as to why they were unable to stop our accounts from being hacked and why they never refunded us they owe us money. Super disappointed in this bank.

Requesting a copy of a cashier check in the amount 10,000.00 purchase in 2005. I had an account in 2005 with Georgia Own Acct#XXXXXXXXXXXX. I called and spoken with an agent at XXX-XXX-XXXX. I asked the agent to locate a cashier check in the amount of 10,000.00 that was issued in 2005. She said because her record did not go that far back. I would have to go to the office on 401 Mall Blvd and they can go back at least 15 years. She said I could not get the search done until I have 20.00 in my account. She asked that I put 20.00 in the saving account to cover the charges and she will notify Georgia Own of my request. I immediately, when to the bank to deposit the 20.00 and explained to the teller the reasoning for depositing the 20.00. After a week. I went to the bank (drive-thru) to pick up the copy. The bank teller said the request was never submitted. I called the number again and talked with another agent. She see the money deposit but no request. She did a search and told me to go back to the bank. I went back to the bank and went inside and had a meeting with Davon Key and he said that he will do the research and give me a call. He see where I deposit the 20.00 in September. After not hearing from Mr. Key. I called him at XXX XXX XXXX ext 2923. He said, that they cannot do a search after 15 years. I explained to him 2 agent and himself said you could and told me to deposit the fees for a search. Also, I am with in 15 years. He said there nothing he can do. I must say every agent I talked to were very polite, promising, professional and knowledgeable. But, they lack honesty and compassion. I did exactly what each agent requested because I believed that they new their jobs. However, at the end of the day they didn't really care.

I spoke with the services manager on 1/31/22. I was contacted by a representative from the bank because of a request that initiated early in the day. Previously, I was working with another representative who I connected with on or before 1/19/2022. The reason for reaching out was because I have received four Overdraft protection fees from the bank. I received an Overdraft Fee in the amount of $35 on 1/19/2022. I expressed that this charge was in error by the merchant. I was instructed by the representative to reach out to the merchant via email and copy her on the communication as proof that the transaction was in error. After doing so, the representative only credited one $35 fee out of four that were incurred. I reached back out to the representative via email to remind her that there were three additional fees that were incurred because of the initial transaction. The representative promised to investigate it and call me back. I have not received a call back, so I called GAs Own on 1/31/22. I explained to the representative that I was perplexed as to how and why I was receiving these charges. The representative explained that the fee information is on the member services agreement. I followed up with the confusion I was having around getting different information from different representatives each time I ask about how and why these fees are being incurred on my account? I also explained why I received conflicting information justifying the fees on my account. I asked the representative if there were a manager in a department higher that I can speak to regarding my concerns? The representative ensured me that there was no one else that can help me with my issues and concerns. GAs Own Credit Union has charged me a total of $140, $35 which had been refunded in fees leaving me $105 short on funds, that were incurred unfairly. GAs Own Federal Credit Union's Overdraft Fees appear to be unethical in practice and inconsistent in its own banking policy.

Back in 2018, I stopped paying on a credit card as a result of job instability and strain in working with Georgias Own Credit Union. The card was ruled as a charge off. Someone named April attempted to contact me but I requested that they stop. For the past two to three years Ive not been contacted nor have I been in a position to pay anyone. Ive had an eviction in 2019, two federal employment cases I can provide Orders on both cases in USDC NCWD 3:19CV00459 and 3:21CV00258.Feb 2, ***, Director of Payment Recovery called me for the first time ever in 3 years from *** and I explained to her that my student loans have not been paid in the same amount of time, Ive had two federal cases be dismissed where the defendants didnt feel they owed any relief for the actions taken against me, Ive sent several Cease and Desist and the game theyre playing just caused my credit score to drop 50 points, and Im ready to take legal action against them. They were also made aware of the *** case against them.Georgias Own had been a $0 delinquency being reported monthly for over a year and I had not paid attention. After disputed, GAs Own went back and added the full debt between $5,000-6,000.The actions Georgias Own recently took caused for a denial for a personal loan to consolidate my current debts. I had been pre-approved and on Feb 2 they ran my application randomly and my credit score had fallen significantly. This is when I learned that my credit had dropped from a 720 to 673. I had built my credit back up since 2018. Georgias Own Credit Union has continued to harass me and access my credit files over a 3 year time frame. Im in the *** and the contract is null and void after the employees of the credit union failed to provide an accurate account for my funds housed there, renumbered accounts, inability to access the online portal after being locked out by staff, staff not acknowledging the member upon cal

I have been with Georgias Own credit union since 2009. On October 27 I received notification that my banking account was overdrawn by $742 not only was my checking account overdrawn but my essential checking account was also overdrawn I contacted Georgias Own to find out what had happened with my account and was advised the following by a representative by the name of Diane at extension 9607 which works for the fraud department. She advised me that the reason my checking account was overdrawn was due to the fact my deposit from the SBA for $2300 on 10/25 was reversed and I received 11 NFS fees for $35.00 each. She stated the deposit had my business name on it. So that was the reason. I was extremely upset because I would not have used funds I didn't have. Nor would I have received $385.00 in fees if this didn't happen. I asked Diane if I could contact the SBA loan officer to see if she could correct the issue. My other option was to come in to a local branch and receive a paper check. I reached out to SBA loaner officer who advised me that the easier method would be to get a paper check from credit union because it would be a lengthy process for bank to return payment and SBA to reissue funds. I called Diane back several times and left's messages. I also spoke with several reps that stated she was on a calls and would follow up with me after 4pm. This is crazy and unfair. I asked to have NFS reversed after I got things straightened out with SBA but was told. The credit union only does 2 fees per year! I've been with them almost 13 years. How do you treat loyal committed customers this way. I didn't overcharge my account and it was completely out of my control as to what happen. I didn't process the deposit nor did I know there was an issue. The deposit was reversed by their ACH department nothing that I did was fraud or wrong so why am I being charged. I tried to confirm if I drove up to local branch I could receive a paper check still no response.

I was contacted by Cheryl Scott on XX-XX-XXXX on my both work and personal cell phone. She left me a message to call back to discuss a matter. XXX-XXX-XXXX ext-7128. When I called back to inquire what was needed she informed me that she received notice that my chapter 13 bankruptcy had been dismissed (this is a good thing because I paid back all my debts) and that when the court paid them for my signature visa they had left out $10.xx in interest. Bear in mind a few things here, for one this credit card had been paid off almost 2 years ago because I only owed them $392.25. I kindly informed Mrs. Scott that all debts had been paid off and that you are not allowed to ask for any money due to the bankruptcy. I also further explained that I have had 4 auto loans and 2 or 3 personal loans with them and all paid no issues at all. She then informed me that if I did not pay the $10 that the bank sees this as a loss and all my accounts will be closed and I would be bared from ever using Georgia's Own Credit Union ever again. At this point I was extremely upset and she kept trying to talk over me when I again explained what she was doing was Illegal and I could sue Georgia's Own for breaking the bankruptcy code. Mrs. Scott still continued to speak over me. I finally yelled at her and stated to please shut up and stop interrupting me, however she still continued. I ask for her manager also and she didn't listen or offer to transfer me. She hung up on me. Business in engaged in illegal business practices against the bankruptcy code and as such I have already contacted my attorney. I wish to speak to someone much higher up at the Credit Union as I want to discuss in depth the amount of disrespect and illegal practices that Mrs. Scott engages in as a representative of Georgia's Own credit union. I would like to have the e-mail address for the board of directors and CEO, CFO, and other key players with this company. Mrs. Scott needs to fully understand how upset she made me.

I was issued a credit for fraudulent charges and later the credit was reversed. After requesting help and an explanation there was none given. On 7/11/202, my 8 year old son asked me to purchase an online game for him. Given that he saved his money that I put into a separate account at this credit union I abliged. Well little did I know that this would be hunting me months later and that the credit union would take my sons money. Within minutes of making a purchase of $5.99, there were four other transactions of $39.99. Before I knew there were purchases the credit union called to alert me with an automatic phone call. I declined the charges using the phone prompt, the card was shut down so ther was no need to worry, right? Wrong, Monday I called submitted a dispute, asked how did this happen. I was given an explanation saying it happens all the time, unfortunately hackers can get your card numbers and i was issued a new card. I also received the funds back about 2 weeks later. Didn't think that a month later I would get a letter from Georgia Own Credit Union stating that the funds are going back to PlayStation on 09/07. How could this be? I called several days and each time I would hear recording saying, hold time greater than 15 minutes or call back later. So I decided to contact, PlayStation because single full time working mom of 3, who is also going to school online and managing digital learning days doesn't have 15 or more minutes to stay on hold. But guess what, PlayStation isn't providing phone support so must chat, which also has hold times of 20 minutes. So I sit on hold with both companies at the same time. PlayStation answers first. As I am ending my chat with Carlos E, who just informed me that my psn account is 0.00 and that everything was good on there end and that I needed to contact the bank Georgia Own rep answered. Can't remember her name. I explained and transferred to her supervisor Christina H.. Meanwhile Carlos declined to allow me to speak to his supervisor he would only transfer me to someone else. At this point, my patience was out and frustration was taken over. Conversation went in circles, PlayStation says the money is at the bank and the bank says it was given back to PlayStation. Carlos ended chat abruptly as a was typing a lengthy response. Christina informs me of VISA rights and I stuck with a loss of $160.00 of my sons saved money and nothing to show for it.

A Representative for Georgia's Own Credit Union gave me misinformation which resulted in me getting a unauthorized hard inquiry on my credit report. In June, I attended a Job Fair at a company called Medline. During the application process a Representative from Georgia's Own Credit Union came in the room and gave everyone a document and asked everyone to sign it. After everyone signed the document. She proceeded to tell everyone what it was. Then she told everyone that it was for a checking account at their bank. So I told the Representative that I didn't have a permanent address and she said that I couldn't apply for a checking account, because I have to have a permanent address. So I got hired on at the company Medline full time. I worked therefor about 7 months. During that time no one said anything to me and I didn't receive a letter or email from Georgia's Own Credit Union. I didn't even aspect anything, because I was told that I couldn't apply, due go the fact that I didn't have a permanent address. Fast Forward, I checked my credit report a year later, and I had a hard Inquiry on my report from Georgia's Own Credit Union. I was in total shock. So I immediately called Georgia's Own Credit Union thinking someone opened an account in my name. When I called the Customer Service Representative she couldn't tell me anything pertaining to what kind of account I applied for or why I had a hard inquiry. So...sigh...she asked me for my name and number and said, someone will call me back. Two days went by no one called So I called again and no one could seem to give me any information. They asked me for my name and number again. Later that day I received a call from a gentleman he said that I had applied through Medline and he was very very very...rude. So he asked me for my number and told me someone would get in contact with me. So another two days later. A lady called and stated that she was the Representative that conducts the orientation for Georgia's Own Credit Union. She started explaining the procedures they do when you're applying for a Georgia's Own Credit Union during the process of getting hired through Medline. She's the Representative that told me that I wouldn't get approved without a permanent address. So...then she told me everyone that gets hired on with Medline automatically gets spproved. So I asked her why didn't I get approved. She couldn't give me an answer. She asked me to verify my name and number and said someone will get back with me.Two weeks later a lady by the name of Dena Harrison called, and said the fact that I didn't have a permanent address should not have any barring on me getting approved, and that the information the Representative told me about having a permanent address was not true. Mrs. Dena Harrison couldn't tell me why I didn't get approved. She said that she would be getting back in touch with me. It's been a month and I haven't heard anything.

Only 4 of 17 Fraudulent charges were credited back to my Credit Card. Need $665.91 more credited. I identified the fraud charges in the alert call. I'm *** A ***, XXX-XXX-XXXX. GA Own Credit card ending #6497 was compromised and 17 fraudulent charges were made on my account from 6/2 - 6/10. I received credit for only 4 of the charges and I'm seeking credits for other 13 fraudulent charges, totaling $665.91. Below is a history since 6/20. 15 attempts made to get resolution. 5/31 when buying groceries at Publix and my GA OWN Card was rejected. I used a different card to purchase groceries. Then, received Fraud alert # XXXXXXX asking if I made purchase of $138.57 at Publix. I responded YES. Message said try my card again. I'd already left store. 6/9, another Fraud text alert #XXXXXXX (XXX-XXX-XXXX) about another charge to #6497. I replied NO I didn't make the charge. Next, received a call asking about possible fraudulent charges; Sprint, PlayStation, Chick-Fil-A gift cards, & Zaxby's and BurgerIM and couple others. Responded I didn't make those charges. Told my card was being locked and I would be issued a new card in about 10 days. 6/19, received a letter addressing 4 fraudulent charges. There were 13 additional fraudulent charges on card ending in #6497 from 6/2 to 6/10. Info said, "This letter is to acknowledge fraudulent transactions that have been identified on your account. If there are transactions not listed that you would like to report as fraud, please contact us at the number listed above so they may be added to your case, claim number: FXXXXXXXXXXX. ... From Chargeback Services Department". I received a new Credit Card with account last 4 digits #1640. The 4 fraudulent charges were credited to the new account ending in #1640. One charge credited is for the same merchant that 2 other charges are not credited. Several different dates, called number on letter, XXX-XXX-XXXX, held over 30 min each time then transferred but no help. A recording said due to Covid-19 wait times could be long, so I understood. Viewed fraudulent transactions online, put on Excel spreadsheet and mailed them to the address on the letter. I included the transaction date, Categories, Merchant Names, Descriptions, Amounts and Reference numbers. 7/7 found online Dispute contacts with different mail address and email. I mailed the document & also emailed the Excel list to ***@fiserve.com. 7/8, received reply they couldn't accept the format of attachment. "Dear Valued Member, Received your email but we are not able to open the wma file(s), please attach in a PDF, JPG or Word format, at your earliest convenience. Also, please include the Case # (8 Digits) can be found on earlier correspondence, name of the cardholder as it appears on the card , 1st 6 and last 4 of the card numbers in the dispute". 7/8, replied with Word doc and all the info requested. No response back. 8/17, Received another letter from Chargeback Services Department. "Thank you for your recent inquiry regarding the transactions listed on the last page (4 fraudulent charges)... After pursuing this inquiry with the merchant's bank, we concluded an error did occur. This letter serves as notice of final resolution. Your claim has been closed." 9/8, called main number for GA own, XXX-XXX-XXXX, left message, Nichole provided other numbers to call. 9/8 at 3:44pm, called XXX-XXX-XXXX, Margarita listened & opened NEW fraud case and took all of the info of 13 charges. Said had to assign new reference numbers to each charge. She's not allowed to provide new case number to me but someone would call, 3 to 5 days, to discuss new case. NEVER received a callback. Then I had my own personal health emergency. 10/6, Called spoke to Jeanie, 2:01 pm. She listened & researched but couldn't find any info on the original credit card ending in #6497. Told Care Security Center would call me in 2 or 3 days but she would request sooner. NEVER received callback.