Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #18002405
Complaint Overview
Complaint ID: 18002405
Company: Golden 1 Credit Union, The
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Money was taken from your account on the wrong day or for the wrong amount
State: California
ZIP Code: 95618
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year> I renewed my weekly stay at XXXX XXXX XXXX in XXXX Ca. I was told by the Customer Service XXXX at the front desk if I did not stay the whole week I would be credited back the difference at {$71.00} per night. My debit card was charged a weekly fee of {$490.00} on the XXXX of XXXX. On XX/XX/year> I checked out and told the Customer Service Rep at the front desk I was leaving and if I could get an extension to leave by noon that day. I ended leaving earlier around XXXX am. I was told that I would be credited in XXXX to XXXX business days a total of {$350.00}. Yesterday I called XXXX XXXX XXXX and spoke to the front desk agent and she stated " She did not have a record of me checking out ''. I explained to her that I checked out on Tuesday XX/XX/XXXX, XXXX and our interaction was monitored and recorded on video. She told me the credit back to my debit card was going to take XXXX to XXXX business days. Today I decided to contact my credit union and file a dispute and the customer service rep told me they were going to start an investigation and that a provisional credit would be issued in a matter of days. I asked him why I was not granted an immediate credit as they always do for their customers and they said they needed to investigate. I asked to speak with the escalation department and I was quoted an unlawful time frame of the provisional credit taking up to XXXX days when in fact under Regulation E they are required to issue a provisional credit within XXXX business days. I need assistance in this matter and a provisional credit in the amount of {$350.00} issued back to my XXXX debit card ending in XXXX.
Frequently Asked Questions
What is Complaint #18002405 about?
Complaint #18002405 was filed against Golden 1 Credit Union, The regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
How did Golden 1 Credit Union, The respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Golden 1 Credit Union, The?
Yes, visit the Golden 1 Credit Union, The company profile at readthecomplaint.com/company/golden-1-credit-union-the to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.