August 2022 by Mantigonos X.
I bought a truck and the dealership thought they were doing me a favor by shopping other financing options, which I didn't ask them to do and I was a bit annoyed that they did it, because I knew it would ding my credit with them applying at all those banks for financing (I was already approved by Capital One with no negative effect to my credit). Then they told me they found a better interest rate with Case CU, so since they already did their damage to my credit score, I agreed to let Case finance my truck. Then I was told that Case opened a savings account in my name, because I had to be a member to get the financing AND to get the interest rate I had to sign up for automatic payments. Knowing that, I immediately opened a checking account at Case to have those payments drawn from there and I set my direct deposit at work to deposit half of my payments into the checking account. I paid my first truck payment from my Case checking account, no problem (so I thought). Then I paid my 2nd truck payment the following month and a couple days later, I am looking at my checking account at my primary bank and see that Case has deducted ANOTHER payment from my primary bank and not from my Case account- mind you, I already paid that month's payment, so they shouldn't have deducted anything from anywhere! My beef with Case is that they drew money from my primary bank without ever having permission to draw anything, ever, from that bank. My payments were supposed to be set up through my CASE checking account, not my other bank. Naturally, these types of things ALWAYS happen on weekends, so I had to wait until Monday to reach them. I called and there is never a time when you aren't going to sit on hold for 30-60 minutes, in which time, I was disconnected twice, so when you call back you go back into a queue which always says "you're place in line is....5th"- so after the 2nd disconnect, I drove up there. They can't just click a couple of buttons and fix the problem, I have to sit there and wait for the ONE person there that can do it and after awhile, I find out I had to sign a form and that she isn't in the building, so the problem was supposed to be fixed by the end of the day. Meanwhile, I ask the receptionist why this happened when I had no problem paying last month without getting double dipped on. He told me that I DID get double dipped last month, because paying your payment early doesn't stop the automatic payment from being drawn. Apparently, I didn't notice the past month because it didn't put my account in the negative. I have never paid bills online anywhere that would not stop an automatic payment from being drawn if you already paid that month's bill. It's not like I paid it WAY ahead of time, I paid it 5 days before it was due. The website said my next payment wasn't due until the following month, so WHY wouldn't the idiots who programmed that website make it recognize the payment was already made, like virtually EVERY OTHER website you go to pay bills. Anyway, 2 days later and that payment still hasn't been refunded to my other bank account- it isn't even 'in process' yet. If I knew it was going to take this long, I would have just transferred it back myself- but now I worry that if I do, they will try to send it again- when it is no longer there. I plan to transfer my truck loan to my other bank as soon as I can. Case CU sucks. I haven't even mentioned all the other issues I have had with them, and it's only been a couple of months. I have no desire to have to contact them all the time for their screwups.
