BayPort Credit Union
BayPort Credit Union Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
1.0 star rating based on 1 review. Consumers are mostly dissatisfied; reviews flag high price levels and problems with billing and customer service related to an auto loan dispute over force-placed insurance.
Positive Feedback
None noted in available BayPort Credit Union reviews; the single reviewer reports only partial refund action.
Negative Feedback / Risk Areas
- Frequent BayPort customer complaints about billing practices and interest applied to force-placed insurance.
- Poor customer service response and slow escalation to supervisors on auto loan issues.
Key Takeaways for Future Customers
- Check loan statements closely for force-placed insurance and interest adjustments before finalizing membership.
- Document communications and request transaction histories if billing disputes arise.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
1.0 star rating based on 1 review. Consumers are mostly dissatisfied; reviews flag high price levels and problems with billing and customer service related to an auto loan dispute over force-placed insurance.
Positive Feedback
None noted in available BayPort Credit Union reviews; the single reviewer reports only partial refund action.
Negative Feedback / Risk Areas
- Frequent BayPort customer complaints about billing practices and interest applied to force-placed insurance.
- Poor customer service response and slow escalation to supervisors on auto loan issues.
Key Takeaways for Future Customers
- Check loan statements closely for force-placed insurance and interest adjustments before finalizing membership.
- Document communications and request transaction histories if billing disputes arise.
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Verified Reviewer |
Virginia Beach, Virginia
Request for Review and Reversal of Interest Charged on Force-Placed Insurance
Dear BayPort Loan Department,
I am requesting a full review of my auto loan account regarding the force-placed insurance that was added to my loan balance. I previously provided proof that I had valid full coverage insurance, and BayPort refunded a portion of the force-placed insurance. However, it appears that the full amount of interest that accrued on the added insurance balance was not removed.
I am requesting the following:
A complete loan transaction history, including all force-placed insurance charges, refunds, and interest added to my principal.
A full review and reversal of all interest that was charged on the force-placed insurance, since I had valid full coverage and submitted proof.
An updated payoff amount once the corrections are applied.
Review by a senior loan specialist or supervisor, as this issue has significantly increased my monthly payment from $494 to $576.05.
This situation is causing financial hardship, and I would like the account corrected as soon as possible. If needed, I am prepared to provide any additional documentation you require.
Thank you for your prompt attention.
I look forward to your response and the corrected loan details.
Sincerely,
Ahmed Benerroua
Account number *****1329
Preferred solution: Full refund
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Why are you calling it forced-placed insurance? Tell the truth.
You are a poor credit risk. Your auto loan is probably at one of those sketchy places.
The bank needs to protect their investment and you didn’t present as responsible to ensure coverage on your own. I doubt very much you have five years (60 continuous previous months) of uninterrupted coverage.