Support Loans & Credit Cards
The following questions are commonly asked about loans, credit cards, and everything that members commonly find confusing about them. Scan the list below before contacting us – you might find that your answer is only seconds away!
See our Loans sections (via the menu above) for printable applications that you can bring in with you, or you can apply online to have your information sent quickly and securely to our Member Loan Services department. We’ll let you know whether you qualify (or if not, what you might be able to do to qualify) and get the ball rolling.
You may also call our Member Loan Services department at (707) 445-8801 ext. 365.
The quickest way to receive a decision is usually to visit us in person, but we are usually able to respond to online applications within one business day.
Home Affordable Modification Program
If you have your primary residence financed with us and this loan originated between January 1, 2003 and January 1, 2008, you may be eligible to receive assistance through our Home Affordable Modification Program. In order to determine your eligibility for this program, we will need the following information:
Your current income information (pay stubs/vouchers, unemployment compensation letter, disability awards, etc. Please bring this information to your nearest Coast Central Credit Union Member Services Manager. Once we have received the above documents, discussed them with you and have completed our review, we will let you know if you are eligible for the Home Affordable Modification Program.
Other Available Options
The following are other options that might be available to you:
Selling the house
Rent the house out and use the monthly income
Refinance the mortgage and consolidate other debts to ease cash flow
Deed in lieu of foreclosure (voluntary return of the property to the lender)
Important Phone Numbers
To find a HUD-certified housing counseling agency, please call:
Toll-free: (800) 569-4287
Toll-free (TTY): (800) 877-8339
For more information, please feel free to contact our Member Loan Services team or our Collections department.
If, after the end of January, you haven’t received your 1098 form, have misplaced it, or have questions, please contact our Member Support Center at (707) 445-8801. They can look up your interest amount for the prior year and answer any other questions you may have.
You can also use Verified by Visa’s website to change or reset your password, view participating merchants, see a demo of how the service works, and read even more frequently asked questions. You can register for the service there as well, if you haven’t already.
If you need to make a purchase for more than the amount of your available credit, it is generally safest to wait until the beginning of the next business day. Visa payments are usually updated by 9:00am, with a second update on Fridays around 4:30pm.
To begin the dispute process, come in to any member services branch and fill out a Visa dispute form. If you live out of the area, you may also send a letter with your name, member number, and the charge(s) in question. Please provide as much information as possible, and your signature is required. Mail the letter to:
Attn: Card Services Department
2650 Harrison Ave.
Eureka, CA 95501
If you have questions about the dispute process, our Card Services Department can be reached at (707) 445-8801, ext. 291.
Once we receive your dispute, Our Card Services Department will review your request and investigate the situation. If they find the charge(s) to be fraudulent or unauthorized, you will receive a credit. Please refer to our EFT Disclosure for specific details on error resolution.
Please note that if you participated in the transaction(s), you will need to attempt to resolve the situation with the merchant. Refer to the terms and conditions applicable to your relationship with them. For example, charges resulting from “free trial” periods generally do not qualify as unauthorized. If you complied with the merchant’s terms and conditions and are unable to resolve the situation with them, you may pursue a Visa dispute through Coast Central.
If you received merchandise and returned it for a refund, a dispute cannot be filed until 30 days after the return date (to give the merchant time to issue a credit). If 30 days have passed and no credit has been received, you may pursue a Visa dispute. You must provide a copy of your shipping receipt showing the tracking number and that the package was insured.
When a credit card is lost or stolen, the card number must be blocked, including any additional cards (with the same number) belonging to joint members. A new card (or cards) will be issued automatically and sent to the mailing address on file for your account. For your security, a new PIN will be issued for each card as well. You may change your PIN by visiting any of our member services branches during business hours.
Cards are blocked at the time of notification (either to us or our processor), so any charges made prior to this time will still attempt to process. If you are worried about unauthorized charges, please contact us.