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Alert!! They never gave me my money back! Don't do business with this evil credit union or you might get cunned like me!
I was a member at Peach State Federal Credit Union, Corporate office at 1505 Lakes Parkway, Ste. 100, Lawrenceville, GA. 30043 and branches in Lawrenceville, Athens, Winder, Jefferson, Loganville, Suwanee and Dekalb in Georgia and a website at http://www.peachstatefcu.com
I want to make all current members of Peach State and All citizens in Georgia and non members aware of how badly they treated me and deceived me, Lied to me and then gave me an ultimatum and forced me to walk 30 miles by manipulating me and took my money and left me without a car to drive.
One day I called Peach State Federal Credit Union to ask them if the dealer had cashed the bank draft that I gave them, which was issued by Peach State. I asked because a payment had just now came due on the loan however, my local tag office said the Title of the car had not been put in my name yet and that the dealer never filed the required paperwork to do so. So this meant to me that this was still the car dealers car and that the sale of the car to me was not a done deal. I wanted to know if the dealer had cashed the Peach State check so that i could go ahead and make my car payment if they did. The woman I talked to at Peach State Federal Credit Union told me that she would find out if they cashed the draft and she would call me back to let me know. I explained to her let me know because I need to know because my payment on the loan has come due. She said she would call me back. The woman never called me back, instead the next day in the morning a toe truck showed up at my house and was backing up to my car in my back yard. I ran outside and said hold on just a minute now, what do you think you are doing? He said that Peach State Federal Credit Union sent him to pick up my car. I was very angry and I immediately called Peach State Federal Credit Union and spoke with the woman I had talked with yesterday. I said what happened to my call back? She was suppose to call me back, instead Peach State tried to deceive me into thinking I would get a call back and all the while they attempted to get my car without my knowledge and be real sneaky about it. That was low down and definitely not how a reputable business would act or treat their customer. I told the woman that I wanted to speak to Chris Foy at the Winder office and that he was my loan officer. I told Chris what had happened and explained to him that I did not appreciate the back door , sneaky tactics that was being used on me by Peach State and that I would take my business to a different Credit Union if they did not treat me fair. I told Chris that I would drive the car to him and that they need to send that toe truck driver back to where he came from. Chris said he was at the Jefferson branch and for me to drive the car there to him before 5pm that day. I drove there and explained to Chris that I was trying to resolve my issues with the car dealer and I had cash money for the loan payment in my hand and I told Chris here is my loan Payment in Cash. Chris said he could not accept the payment and he refused it. He said they had to have possession of the car and he demanded my car keys. He said he could not let me keep the car and resolve my issues with the dealer and he could not accept my loan payment that was in my hand. I explained to him that I have no way to get back home if I cannot drive my car back. He said there was nothing he could do. He took the keys for the car and I started walking the 30 mile trip back home. After I left they closed the branch and I called Jefferson Police and told them that I wanted to meet with an officer so that they could take an incident report from me about my car being forced from me and the Credit Union not accepting my payment. An officer came out and he made a report and said it would be kept on file at the local P.D. After walking 11 miles, a stranger stopped and offered me a ride the rest of the way home. My legs and back was hurting and very sore from all the walking. The next business day , I arranged for someone to take me to the main office of Peach State Federal Credit Union in Lawrenceville on Lakes Drive. I met with a Ms. Kathleen Cheek and another woman there and I explained to them what had happened. They said that the dealer told them that I had given them a check that had bounced and I said I have not given them any check at all, except the Peach State Bank Draft. Peach State made that up to falsely accuse me. We got the car dealer on the phone and I talked with the salesman who sold me the car who then confirmed to Peach State that I did not give them any check, other than the Bank Draft from Peach State. I asked Ms. Cheek if they wanted the loan payment from me and that I have the cash in my hand. She said no, that they wanted to hold onto the car for now and they would get back to me the next business day. I explained to them that I would have difficulties getting back up here again without a car to drive. After I had left and another day had passed, I received a call from Ms. Cheek and I was then given an ultimatum and told that I had to pick up the car at the Credit Union in Suwanee or Jefferson and I had to give them the loan payment at the time I picked up the car and for me to then take it back to the car dealer and I had to do it all in that same day. I explained that I had no way to get back to Suwanee or Jefferson to pick up the car except to walk there and that Jefferson is the closest at 30 miles away. I asked her if they could toe the car to me at my home and she said No that I had to either get back to Jefferson or Suwanee branch to pick up the car by the next day and i had to be there by 9am to carry it back to the dealer to undo the deal or that they were gona proceed with repossession the car from me and sale it and report on my credit that it was repossessed. I said that Jefferson was closer and that I would try to walk there since I was being given an ultimatum and I had no choice. I later then received a call from another Woman at Peach State and I again explained that I could find no way to get back there and I would have to try and walk the 30 miles to Jefferson. She gave me no more alternatives than what I have already mentioned. I started walking there because I did not want my credit ruined. After miles of walking, my legs and back was starting to hurt very painfully. Still today, I experience pain in my back and legs that has never healed from that horrific day. I made it walking after 21 miles , I could not walk anymore and I sit down beside the road. A police car came by and stopped and the policeman helped me by giving me a ride to the Jefferson exit along I-85 and I made it to the Jefferson Branch and picked up my car. Before the woman inside the branch would give me the car key, she said I had to make the loan payment first and I gave them the loan payment and walked out to get into the car. I was forced to pay them now just to drive the car straight to the dealer and return it to them so the credit union could undo the loan. Before they would not even accept my payment. I observed the car first, and there was dirt all in the floor compartment of the front which was very clean when I last seen my car. I went to crank it and the engine cranked after a couple of tries and started making a knocking noise as it was idling. I raised the hood and the noise that I had never heard before was coming from the engine. I then turned the ignition off and went back in to tell the woman in the branch that the engine was making a weird noise. She said there was nothing I can do. So, with no other options I got in the car and started driving it to the dealer. I received a call from Ms. Cheek asking me if I had made it to the dealer yet and I told her I was stuck in traffic , she insisted that I had to get it there to them before they closed today and to return the car to the dealer. After I arrived at the dealer, I insisted on handing the keys to the manager or the owner and they would not get the manager for me and a man demanded that i give him the keys, several employees came out and i felt threatened and i called 911 to have an officer come out and witness me handing the keys to the dealer because i wanted a witness in case they say later that i did not give them the keys and also i felt threatened by the whole situation . Later an officer arrived. The officer wanted to talk with the dealer first before talking to me about what was going on even though I called them out. I then called Ms. Cheek to ask her to speak to the officer on the phone and tell him that the Credit Union sent me here to return the car to the car dealer. She spoke to the officer on the phone. The officer then witnessed me handing the keys to Tom at the dealer and the officer told me that a report would be on file about the call if I needed it. I then left the dealer walking down the road and away from the dealer. I had to walk for several miles to a bus stop and spend money on bus tickets and train tickets to get back home. Ms. Cheek at Peach State Federal Credit Union later told me that The dealer had paid them all the money back from the bank draft and that the deal and loan was basically undone as if it never happened and the dealer got there car back which was never titled in my name. However, I never received the loan payment that I was forced to pay when I picked up the car to carry it back to the dealer in the amount of $ 447.68 and I insist that the money be returned to me as I was forced to undo the car deal and the loan and I believe that is the least you can do for all the pain and suffering and walking the Credit Union made me do when they took possession if the car from me and would not accept my loan payment in leu of taking my car and the only transportation I had. I have never been treated so badly by a bank or credit union and I intend to let everyone know just how Peach State conducts business with deceptive practices and mistreating their customers. I have talked to them and even wrote them 2 certified letters letting them know how badly I was treated and I asked for the amount of money that was forced to pay them to pick up the car and drive it straight to the dealer so they could undo the loan and I asked for that money to be returned to me because I was unfairly given an ultimatum and for all the pain and suffering they caused me and they have refused to return it. The credit union has ignored and not responded to my 2nd letter I sent them however, I refuse to be silenced and I will tell the world about this evil and disreputable credit union and how they treated me. My joints pop and hurt now every time I walk after that torturous ordeal they put me through of forcing me to walk 30 miles to get back home and refusing to accept my loan payment and let me drive my car. Also, because I complained and in retaliation Peach State closed my checking account and My credit Card account without giving me any notice at all. I was unable to even rent a car to drive to work without my credit card. . When i first applied for a car loan through Peach State they even tried to dictate and tell me what brand of car i could finance and what i could not. Chris Foy from the Winder branch even told me that its not right for the credit union to dictate what brand or car i could buy. I believe that Peach State never wanted to do my car loan to start with and they lied to me and deceived me into waiting for a return phone call so that my car payment could go one day late and give them a reason to take my car from me and not accept my payment. When i first applied for the car loan , they also tried to talk me into buying a car from their own used car business called Members Auto Choice, which Peach State owns because you only find that business at Peach State Credit Union Branches. Do you want to invest your money and put your trust in a credit union that uses deception and back door heartless tactics to get what they want and does not care about their members "Customers" and a credit union that will deceive you by telling you to wait for a call back so that your loan can go just one day late and give them a reason to send a toe truck to pick it up all without telling you their plan and then give you an ultimatum to pick the car up and return it to the dealer so they can undo your loan even if you have to walk 30 miles to pick it up, they could care less then they falsely accuse you of giving the dealer a bad check when in fact you did not give the dealer any check except the draft given to you by the credit union that they issued for the dealer and if you object to any of their deceptive practices they close all of your accounts without any notice to you. If that's the kind of business you want to put your trust in then go see Peach State Federal Credit Union or if you are already a member then stay with them. If you are a person who wants to do business with a fair and trust worthy Credit Union that will not deceive you and will work with you if there is ever a problem then conduct your business with any place except Peach State. If you ever have a problem with them , they will give you the same type of treatment that they gave me. I have also reported Peach State to the Better Business Bureau!
Update!! In yet another attempt by Peach State to deceive its members by trying to silence me , Peach State had their Attorney send me a certified Letter Demanding that i Stop telling their Members and the Citizens of Georgia about how they treated and deceived me and demanding that i take down this public website and my Facebook Page and also The signs i have posted on my car. Peach State does not want the public and their members to read about and know how they treated me! My Response to their letter is i am breaking no laws by excersizing my First Amendment rights under the U.S. Constitution that gives me freedom of speech. I am telling the public exactly what happened to me and what Peach State did and what they told me and it is factual and true. I will submit to any polygraph test that anyone wishes to give me! If Peach State challenges any of what i have said then i challenge Peach State to also submit to a Polygraph test and i doubt that they will agree to it because they would fail the test. I have witnesses to some of the events that took place and i have Police Reports to also document what happened. I ask you the public to read how they treated me and as further evidence that Peach State will turn combative toward you if you defy them or complain about them in any way, just read the letter they had their Lawyer send me. They did not send me a letter apologizing to me or offering to give me my money back, instead they had their Attorney send me a letter Threatening me and demanding that i take down anything that i have posted negative about Peach State within 7 days or else. Decide for yourself if this is the kind of place you want to do business with and trust with your money. View a copy of the letter i just received from their Attorney by clicking the link below.
Click on link below to view their letter!
Letter From Peach State Attorney McBryan, LLC
Also Click below to view the Front of the Envelope they Mailed me!
Peach State Attorney Envelope Front
Disclaimer:
Everything I have wrote here is based own my own experience with Peach State Federal Credit Union and I swear it to be accurate and true. I am telling my experience to the world because of my first amendment rights, freedom of speech!
Contact me "Shannon" at peachstateisevil@gmail.com
View my Facebook Page below
Click on link below to view Police Report.
Below is a link where you can listen to the voicemail that Chris Foy from Peach State left me on my phone telling me that he was facing resistance from within on getting my car loan approved and that he would take it to the top in order to try and get it approved. This voicemail is solid proof that Peach State never wanted to approve my car loan from the very beginning and they found a way to deceive me into letting my car loan go one day late so they could have a reason to send a toe truck to pick it up and they did so by lying to me and making me believe they would call me back to let me know if the dealer had cashed the title draft from Peach State when they never intended to call me back at all, It was there way of stalling me until the next day so they could try and take my car back then ultimately making me return the car to the dealer so they could undo my loan that they never wanted to give me to start with. At first they did not want to approve me loan because i found a car from a dealer in South Carolina, They would only finance a car from a Georgia car dealer. After i found one at a Georgia car dealer then they objected to the car brand that i wanted to buy and tried to talk me into buying a different car brand. Chris told me that the credit union did not have a right to dictate what brand of car i could or couldn't buy. A copy of his voicemail is in the link below.
Click link to hear the Voicemail left by Chris Foy
Below is a copy of the voicemail that Laura and Ms. Kathleen Cheek from Peach State left me on my phone. In this voicemail, Laura demanded that i call her back immediately! I did so and this is when they gave me the ultimatum to either come back to the credit union and pick my car up and then pay them $447.68 and immediately proceed to the dealer with it and return it to them so Peach State could undo my car loan or if i did not comply then Peach State would proceed with repossesion and report the repo to the credit bureau's and thereby effectively ruining my credit so that i could not get another car loan anywhere. I told them that i had no way to get back there and would have to walk 30 miles back there to there nearest credit union branch in Jefferson. I asked if they could toe the car to me. They said if i did not show up at the Jefferson branch by 9am Sharp the next day to pick up the car then they would proceed with repossession. It did not matter that i had to walk 30 miles to get back there. When i was there before they refused to accept my car payment and took my car and i had to walk 30 miles just to get home. Here is a copy of the voicemail She left me telling me to call her immediately. Click on the link below to listen.
Click Link here to hear this voicemail from Laura and Ms. Kathleen Cheek
UPDATE!! Here is a copy of the letter i received from the Better Business Bureau. I sent the BBB a complaint letter about Peach State Federal Credit Union and Peach State has not responded to the BBB. Do you want to conduct your banking with a business that does not care if they get an A+ rating with the Better Business Bureau and does not respond to complaints? I would think twice before trusting them with my money. Click the link below to view the letter.
Click here to view the letter from the Better Business Bureau
UPDATE!! Peach State ignored and did not respond to my Better Business Bureau Complaint Rebuttal so I have Sent a Complaint letter about their deceptive practices and manipulating behavior to my State's Attorney General's Office and to the National Credit Union Administration, a Federal Agency that regulates federal credit Unions. The NCUA has opened a case up. Here is an email i received from the NCUA. I advise consumers to no do business with Peach State if they care about their money and investments!
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