I am submitting this complaint regarding Golden 1 Credit Unions failure to resolve a {$36.00} ( later decided to settle for {$30.00} ) debit card chargeback dispute that has been ongoing since XXXX of XXXX, despite repeated attempts to resolve the issue through both the merchant and Golden 1 Credit Unions customer support channels. The disputed charge relates to an annual plan that I paid for with the merchant using my debit card. After I canceled the automatic renewal, the merchant subsequently downgraded my account from the paid annual plan. I was not informed of this downgrade, nor was I provided notice that my service level had been changed. Despite downgrading my account, the merchant retained the full annual payment. I attempted to contact the merchant directly to resolve the issue, as well as the associated payment processor. These attempts were unsuccessful. Support access was either blocked or unavailable, and I received no response to my inquiries.…
CFPB COMPLAINT DATABASE
Golden 1 Credit Union, the
64 real consumer complaints filed against Golden 1 Credit Union, the at the Consumer Financial Protection Bureau in the last 12 months. 1 received relief from the company. Median federal response time: 15 days.
Most common issues
- 01Managing an account20
- 02Incorrect information on your report8
- 03Problem with a company's investigation into an existing problem4
- 04Problem with a purchase shown on your statement4
- 05Problem caused by your funds being low3
Top states filing
How others won relief
These complainants filed at the CFPB and the company refunded or credited money in response. The CFPB doesn't force outcomes, but it does force a response in 15 days.
Recent complaints
The 30 most recent complaints against Golden 1 Credit Union, the where the consumer chose to publish their narrative.
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…
I purchased an item from XXXX using XXXX. They updated the tracking number from XXXX XXXX XXXX to XXXX. It stated that item was delivered however I have my camera shot when it was supposed to be delivered. Golden 1 stated that they would help however golden 1 closed my case twice. First they stated that it was insufficient when they didn't ask me for any evidence and second time which was XX/XX/year>. They stated that I acknowledge XXXX request. They had a 30 day guaranteed refund however they didnt help.
Subject : Formal Complaint Against Golden 1 Credit Union Unauthorized Transaction / Fraud Dispute Denial I am filing a formal complaint against Golden 1 Credit Union regarding the improper handling of a fraud dispute on my account. On XX/XX/year>, a transaction in the amount of {$990.00} was made from my account without my authorization. This transaction was not initiated, approved, or knowingly participated in by me. I later discovered that my ex-partner accessed my account and transferred funds to another individual without my consent. I promptly reported this transaction to Golden 1 as unauthorized fraud. The credit union issued a provisional credit during the investigation ; however, they later denied my dispute, claiming that I participated in the transaction and agreed to the terms. This conclusion is incorrect. At no point did I authorize this transfer, nor did I knowingly approve any terms related to it.…
I opened account with golden1 credit union back in XX/XX/XXXX. They sent a flier to me in mail saying Open a new checking account by XX/XX/XXXX and perform following activity For two consecutive months, receive {$500.00} in direct deposits by XX/XX/XXXX After verification your bonus will be posted no later than XX/XX/XXXX. I called them around XX/XX/XXXX and spoke to bank rep asking why my bonus isn't posted they said we will look and get back to you in one business day. Six days went by and nothing from their end. I called them again on XX/XX/XXXX enquiring about non receiving of bonus. First the rep said you had to do 3 months of direct deposit, not 2 months. I said it's clearly mentioned on the flier that I had to do 2 months of direct deposit. Then he said these are not direct deposit.…
Complaint Description Incident Date : XX/XX/year> Location : ATM at Golden 1 Credit Union XXXX XXXX XXXX, XXXX, CA XXXX Amount Involved : {$400.00} ATM Deposit Incident On XX/XX/year> at approximately XXXX XXXX, I attempted to deposit {$400.00} in cash into a Golden 1 Credit Union ATM located at XXXX XXXX XXXX XXXX XXXXXXXX, California. I used the farthest-left ATM machine at that location. I inserted my debit card, entered my correct PIN, and selected the option to make a cash deposit. I then inserted a total of {$400.00} in cash into the ATM. The money consisted of one {$100.00} bill, several {$50.00} and {$20.00} bills, and two {$1.00} bills. The {$100.00} bill had been provided to me earlier by XXXX, who was present at the location and waiting in the car while I made the deposit. After I inserted the cash, the ATM displayed the message : We have taken your card for security reasons. The ATM then retained my debit card and the transaction did not complete.…
I wired {$47000.00}. from My Golden 1 credit union checking account to a supplier in XXXX. The XXXX XXXX decided that it was a fraudulent transaction. This was after I told the customer representative, in person, that we had done successful business with this person before. I believe the wire was done on XXXX. The XXXX XXXX initially told me they had clawed my money back. Now Im being told it is still at my suppliers bank. XXXX XXXX in XXXX. The account holder there has told me they never received money was returned to the XXXX XXXX over a week ago. He provided me with a trace number ( terminology? ) That the XXXX XXXX says is no good. They are telling me now that they have 90 days to review this situation and they do not have the money. My end recipient did not get the money and is struggling with his bank because they closed his account against his wishes, as the XXXX XXXX did to me also.…
I am a joint owner on a financial account with Golden 1 Credit Union. After a recent system/software update, I have lost the ability to view some transactions and bill payee information. I emailed and phoned the company to attempt to fix the issue. Golden 1 has informed me that access can only be restored if the other joint account holder provides permission or creates a login for me. As a joint account owner, I should have full access by default, without requiring permission from the other account holder. Denying me access prevents me from monitoring transactions, managing funds, and protecting my own financial interests. I believe this practice may violate consumer protections and account ownership rights. I am requesting an investigation into this issue and assistance in ensuring that joint account owners have equal access to their accounts. Thank you for your attention to this matter.
On XX/XX/year>, I discovered unauthorized transactions on my Golden 1 account totaling {$11000.00}. I reported the fraud to Golden 1 on XX/XX/year>, and requested an investigation. Golden 1 later denied my claim on XX/XX/year>, stating the transactions were authorized, but did not explain the factual basis for that conclusion or identify the evidence, records, device/authentication data, or other information it relied on. I then requested clarification and the supporting documentation on XX/XX/year>, including an explanation of why the claim was denied and what evidence Golden 1 reviewed. Golden 1 did not provide a meaningful explanation or the requested information. I dispute that these transactions were authorized and believe Golden 1 applied an unreasonable standard by expecting me to disprove authorization without providing the evidence supporting its denial.…
I deposited a check from a trust account this is the second check I have deposited from this account. A week later golden one shows I have a XXXX balance at this point the early release should be up and I should have access to my prior funds. I have spent two days on the phone and am being told to provide documentation or sit and wait and that I will have no access to my money until they investigate further and they have no timeline. I have bills to pay my utilities will be shut off without payment and I am locked out of all my funds.
Have a used auto loan with Golden 1. I get repeated e-mails I can handle all the details of my account with online banking. I attempted to pay first installment of the loan on XX/XX/XXXX on my tablet. There was no pay link. My account was listed with a XXXX XXXX, but tapping on it only took me to a summary. There was no link there either. I sent them a message. I received no reply. I checked for a reply in online banking on XX/XX/XXXX as I had not received any notification. I still did not receive a reply. I indicated I had sent a amessage on the XXXX I did not receive a response. I checked again for a message today ( the XXXX ). NO RESPONSE, still. Failing that, I tried linking an external bank account that the payment was going to come from. I thought perhaps if I did then selected the Transfer option that I could finally PAY our first installment. The linking was successful. I went to Transfer and the account didn't show.…
I had three unauthorized charges to my debit card around XX/XX/XXXX that I disputed the same day I seen the charges. I was immediately offered a credit to my account for all three charges and was told an investigation would start soon to look into it. I finally received an email around the end of XX/XX/year> confirming that the investigation was completed and it was not in my favor that all the unauthorized transactions were made correctly. I was also made aware that the credit to my account would be reversed. I never made these purchases using my debit card at any point.
My Credit Union, the Golden 1, in the past week updated their mobile/online banking platform. This allows multiple users to access my checking and savings account. People who are not on my account are able to see my balances, etc., etc. In addition, the mobile bill pay that I have signed up with is frozen. I am unable to edit or send out payments that I have normally scheduled with my Credit Union. I have been working with them for the last three days, but no one has been able to resolve these problems. Regarding the ability for other people to access my account, the Credit Union does not consider this to be a problem, but one of their new features. This means my former spouse can access my money from my primary account which they are not on. I do not see anything in the terms and agreements that I have given consent for them to do this. To me, this is an egregious violation of my privacy and financial security.
On or about XX/XX/XXXX, I sent {$1200.00} via XXXX from my Golden 1 Credit Union checking account to an individual who represented that they were selling automotive parts. The payment was sent in good faith based on representations made by the recipient. ( Tracking numbers, Pictures, Fake Websites ) After the funds were sent, it became clear that the transaction was fraudulent so I contacted Golden1 within an hour of payment. The seller failed to provide the promised goods and began requesting additional payments. I immediately contacted Golden 1 to report the fraud and request assistance, including a recall of the XXXX transfer and coordination with the receiving bank ( XXXX ). Golden 1 informed me that recovery of XXXX payments is difficult and has not provided clear written documentation confirming whether a formal recall request was sent to the receiving institution or what specific steps were taken to attempt recovery of the funds.…
On XX/XX/XXXX I received a message from Golden 1 Credit Union stating the following Were updating our Golden 1 XXXX * and Online Banking systems to bring you a fresh digital experience. As part of our system upgrade, XXXX, XXXX XXXX, and External Transfers will be unavailable starting on Friday at XXXX a.m. with XXXX and XXXX Banking becoming unavailable starting XXXX p.m. ( PST ). Please check back for updates throughout the weekend. Golden XXXX and XXXX ATMs are available. Thank you for your patience as we improve your online services. On XX/XX/XXXX I got off work at XXXX pulled into the gas station around XXXX When I arrived at the gas station I attempted to access the Golden 1 Mobile Banking app to unlock my Debt card so that I can get gas to get home. When I tried to log in I received the following message Service Update : Mobile and Online Banking are temporarily unavailable as we finalize our system upgrade. Please check back for updates throughout the weekend.…
I don't live in Utah, never been there. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, I did live with my granddaughter in XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, but I moved back to my XXXX XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. But I don't know who made a credit card application for me in Utah. And it's affecting my credit score. You can contact me at XXXX
b"I am disputing an unverified $XXXX auto deficiency debt. On XXXX, I sent a formal Demand for Verification to the collector via USPS Certified Mail (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX). USPS records prove they received this in XXXX XXXX, yet they have failed to validate the debt for over 60 days.\n\nThe reporting of an 'Involuntary Repossession' is fraudulent. After the vehicle was recovered from theft, it sat at a dealership for months due to incompetent diagnostics. A Golden 1 manager explicitly instructed me to stop payments and surrender the vehicle once released. I followed this instruction and personally delivered the keys to the XXXX branch manager.\n\nFurthermore, there are massive accounting inconsistencies: Golden 1 previously claimed a $XXXX deficiency, while the collector now claims $XXXX. This $XXXX discrepancy remains unexplained. The collector has also called me bi-weekly since XXXX XXXX without identifying themselves as debt collectors (violation of 15 U.S.C.…
I am submitting a CFPB complaint today in reference to an issue I have been dealing with for over XXXX months now. During this period of time, I have not been given any written statements or communications in reference to the issue I am referring to. I have asked for this to be provided on multiple occasions and the response that I received is that Golden 1 would NOT be willing to provide any written materials, whether it be an account adverse action notice, or any other form of written correspondence in relation to the matter. Golden 1 initiated a Fraud Investigation after check ( s ) deposited into my account bounced, an investigation in which I was asked to comply with. I complied immediately and gave them what they requested : a written statement in reference to the bounced checks. I was given verbal notice on or around XX/XX/2025, that I was being requested to submit a statement about the bounced checks.…
On XX/XX/XXXX, I walked into Golden1 Credit Union on XXXX XXXX XXXX, CA XXXX because I was having issues with my banking. They told me that my account was getting closed because of a charge off. They told me that I had to withdraw all of my money from my checkings account. At the time, I still had a credit card with them and also a loan for a car. I had told them that I wanted to pay {$150.00} for the credit card and the amount for the car loan which was {$340.00}. On XX/XX/XXXX, I recieved an email that my loan payment was 21 days past due. I was confused because I had paid for XXXX, XXXX, and XXXX. I called Golden1 customer service on XX/XX/XXXX and spoke to a care representative and they said I had missed my auto loan payment in XXXX. I was confused as I went into the branch directly and remember paying for it.…
I deposited a cashier 's check of {$6000.00} in 2018 of XXXX and the Golden 1 credit Union branch XXXX California and deposited {$1000.00} into a savings account the remaining {$5000.00} was deposit to the wrong account which I never received a card or statement or information because I requested it to be deposited into a CD I later went back to the branch after covid 19 and requested the information and the branch manager XXXX XXXX gave me a paper report showing charges that were made from the wrong count that was given to me and I never was able to access my money except for the checking and savings account they opened up for me with {$1000.00}. They also made payments to their third party vendor life insurance company, and made several overdraft charges. The bank branch manager gave me a generic login after requesting access to my acct initially. I was already dealing with so much crisis during covid. I need help retreating my funds deposited of $ XXXX which was never found.…
Golden 1 Credit Union did not resolve my claim. i lost my credit card along my wallet with my ID. They brought back those unauthorized charges I have reported. I only owe them {$4500.00}. They are charge me {$8000.00}. The {$350000.00} is not made by me. Those unauthorized charges are made by whoever stole my card.
I am disputing an unauthorized card charge processed on my Golden 1 card. This dispute is directed to Golden 1 in its role as the card issuer responsible for investigating and resolving unauthorized or improperly authorized transactions on my account. Transaction and amount in dispute Date : XX/XX/2025 Merchant : XXXX XXXX charged : {$170.00} Amount disputed : {$130.00} ( Executive Membership renewal added at checkout ) What happened During an in-store XXXX checkout XXXX XX/XX/2025, my card was charged {$170.00}. I believed I was paying only for my merchandise. I later reviewed the receipt at home and discovered a {$130.00} Executive Membership renewal had been added to the transaction. I did not knowingly authorize any membership renewal, and I did not provide informed consent for an additional {$130.00} charge. The renewal was not clearly presented to me as a separate, optional purchase before payment was processed. I did not agree to purchase or renew an Executive Membership.…
Golden 1 Credit Union is reporting my auto loan as a Profit and Loss Write-Off / charge-off while refusing to release the lien on my vehicle and previously demanding a remaining balance of {$400.00} in order to release my pink slip. A creditor can not legally claim a loan as a tax loss and continue to enforce a lien or demand payment. This is wrongful lien retention and double recovery. Golden 1 is also reporting contradictory and impossible dates to the credit bureaus, including closing the account on XX/XX/year> while listing a last payment of XX/XX/year>. An account can not receive payments after it has been closed and charged off. Because of these inaccuracies and unlawful actions, I am requesting immediate lien release and full deletion of this account from all credit bureaus.
On Monday XX/XX/XXXX, I deposited cash into the ATM as I often have in the past. I then went to make a purchase at a store and my card declined. I immediately called XXXX XXXX and the gentleman on the phone told me my account was closed, and could not tell me further information. I go to bank to speak with a teller and they tell me that the account was closed because my mom was a secondary on my account. They could not give me further details, which is understandable because it had to do with other accounts. However, this incident significantly impacted me. I had to make a new account that day and transfer everything over, which took hours. I was due a pay check from my employer on Tuesday night XX/XX/XXXX, that of course had to be rerouted. It is now Sunday XX/XX/XXXX and I still do not have my paycheck because of this mess. I now have bills that are late, and some will impact my credit score.…
On XX/XX/XXXX an individual went into Golden One pretending to be me with a fake passport and was able to cancel my debit Visa card and open a new account without verifying my secret code, my signature or second form of id. Subject was able to withdraw {$2000.00} from the teller on this day then go to an outside teller machine and get another {$200.00}. After the fraud department notified me by verifying my identity with my secret code I was then advised my account would be placed on a freeze. I could not get a scheduled appointment until Monday. The Bank representative XXXX closed the card that was used by the suspect and issued me a new card and said I would be reimbursed.…
I am filing this complaint against The Golden 1 Credit Union regarding the reporting of late-payment information associated with my account XXXX. I submitted a formal request for confirmation of the accuracy of the reported late-payment history for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I specifically requested confirmation that the reported late-payment status aligns with The Golden 1 Credit Unions internal payment records and an explanation of how any delinquency was calculated in relation to the account balance and account status at the time of reporting. This information is necessary to ensure that the data being furnished to consumer reporting agencies is accurate and complete. To date, the reporting of these late payments has not been adequately explained or substantiated, raising concerns about the accuracy and verifiability of the information being furnished.
I have a credit card with Golden 1 CU. I added my wife as an authorized user. My wife does not want to be an authorized user and asked a year ago to be removed as one. We did exactly what Golden 1 CU asked. Sent in the request in writing. Instead of properly removing her as an authorized user in XXXX, XXXX they are showing her late as of XX/XX/XXXX with a past due amount of {$150.00}! This is frozen in time as this account is not past due and should not even be on her credit. She has perfect credit and this is hindering her business now because it shows a current amount due. We are sending requests to both XXXX XXXX XXXX to remove this error now.
On XX/XX/2025 I was checking my XXXX email and got an email about a job offer with XXXX. I thought it was real. I thought It was a charity. They had me send money through XXXX with fake checks, now im out of {$2500.00} that i can not pay back. My account was locked on XX/XX/2025. The checks were instantly deposited into my account via mobile banking. I called my bank and they weren't very helpful. They just told me when ny account will be shut down and how much i owe. I made it clear several times that I was victim of a scam.
On XX/XX/year>, I discovered that someone had hacked into both my checking and savings accounts. They incrementally withdrew and depleted funds from both accounts. I called and notified Golden1 Credit Union on the same day. They informed me that due to the fraudulent activity they would have to place a hold on my account and that I would have to open up a new account. They replaced back all but {$640.00} into my savings account. Golden1 informed me that another Golden1 member was able to connect their account to mine and incrementally transfer funds from my savings account to my checking account to their account. I did not receive a phone call, text, or email informing me that another account account was added to mine. My understanding is that the credit union is required to provisionally replace the funds within 10 days of the fraud if an investigation has not been completed.…
I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX, am writing to provide a detailed account of the events surrounding the freezing and potential closure of my account at Golden 1 Credit Union. On XX/XX/year>, I deposited a check for {$1000.00} via the mobile application. The deposit was a gift from my girlfriend 's grandmother to assist with securing a home. I received an electronic confirmation that the deposit was successful and accepted. The following day, XX/XX/year>, I withdrew {$500.00}, which was within the daily limit I am permitted to take. XXXX days later, my account was locked and sent to the Fraud Department. Upon contacting the bank, I was informed that my account would remain locked until I provide a letter on letterhead from my girlfriend 's grandmother 's bank. The letter must state that the check was written to me on the specific date and include the check number.…
In XXXX I received a few notifications about my account being overdrawn an I was not the one that overdrew my accounts an the banker suggested I close the account I did not want to close the account cause it was in overdraft an it was close to getting my next social security deposit .on the XXXX of XX/XX/year> my purse was stolen an I also let them no that I was was a victim of identity theft when signing up for my accounts .anyway I went to the branch on the XXXX an I explain to her I wanted my debit card an active personal checks deactivated .it did not happen someone took everything out of my savings withdrawing it from an ATM I did not have no state identification the nont if XXXX so I was only able to withdraw a XXXX dollars a day an the month XXXX the same thing happened only this time it was my savings in overdraft.…
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