Credit card or prepaid card -- Fees or interest -- Complaint #7210343
Complaint Overview
Complaint ID: 7210343
Company: America First Federal Credit Union
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Arizona
ZIP Code: 85388
Date Received: 2023-07-05T12:00:00-05:00
Date Sent to Company: 2023-07-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have been with America First Credit Union for several years. I have always paid my balances on time. On XX/XX/XXXX I used their app to pay off my credit card balance. However, their limit was {$2500.00}. My balance was {$4900.00} so I made the {$2500.00} payment and called the very next day and spoke with XXXX. I told her there was a limit and I wanted to pay off my credit card balance but the app wouldnt allow it. She said she would take the remaining balance payment over the phone and waive the fee. Everything was great until I looked at my XXXX statement and I saw she did NOT take the authorized amount of {$2400.00}. Instead she processed XXXX. I did not authorize this nor was this the correct balance. I immediately called and spoke with XXXX. She corrected the situation by providing a XXXX credit to my checking. When asked about the interest fees she stated on a recorded line that because payment want in full I was assessed interest. I explained to her what had happened and asked for them to waive it because of THEIR limits. She could not. She transferred me to XXXX who wasnt able to help either. Finally I get another supervisor who said shed try to make an exception and would call me back. She called me back shortly after we hung up and said they couldnt waive the fees but recommended I pay earlier than my due date. This is unacceptable and honestly quite scandalous. I paid my balance on XX/XX/XXXX and XX/XX/XXXX. I shouldnt be charged frivolous interest on XXXX for a zero balance. I request the interest be removed and my account balance brought to zero as intended by my on time payments. Thank you in advance for your help with this matter.
Frequently Asked Questions
What is Complaint #7210343 about?
Complaint #7210343 was filed against America First Federal Credit Union regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2023-07-05T12:00:00-05:00.
How did America First Federal Credit Union 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 (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against America First Federal Credit Union?
Yes, visit the America First Federal Credit Union company profile at readthecomplaint.com/company/america-first-federal-credit-union 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.