Kemba Credit Union

Written and Reviewed by Michael Agruss

Managing Partner and Personal Injury Lawyer at Mike Agruss Law.
Over 20 years of experience in Personal Injury.
Over 8000+ consumer rights cases settled.
Graduated from the University of Illinois Chicago School of Law: Juris Doctor, 2004.

Creditors like Kemba Credit Union cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Kemba Credit Union violated the law, you may be entitled to money damages and Kemba Credit Union will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Kemba Credit Union?

Kemba Credit Union is a credit union based in West Chester, Ohio. Founded in 1934, it has been accredited by the Better Business Bureau (BBB) since 1989.

Kemba Credit Union primarily serves the greater Cincinnati “tri-state” area of Ohio, Indiana, and Kentucky.

Kemba Credit Union’s Address, Phone Number, and Contact Information

Kemba Credit Union is located at 8763 Union Centre Boulevard, Suite 101, West Chester, OH 45069-4897. The main telephone number is 513-762-5070 and the main website is www.kemba.com/.

Kemba Credit Union Lawsuits

If you want to know just how unhappy consumers are with Kemba Credit Union, take a look at the number of complaints consumers have made online. Nowadays, most original creditors, credit card companies, etc. have arbitration clauses, which means that if you have a complaint against that company, you must file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by banks and big businesses. While it can be difficult to get a fair chance in arbitration, the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary.

Kemba Credit Union Complaints

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Kemba Credit Union violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Kemba Credit Union took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Kemba Credit Union, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Kemba Credit Union continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and a potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Kemba Credit Union is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide their citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have the leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Kemba Credit Union’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Kemba Credit Union violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Kemba Credit Union is on My Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If Kemba Credit Union is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

What Our Clients Say About Us

Mike Agruss Law has over 1,000 outstanding client reviews on our website, an A+ BBB rating, and over 135 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling altogether!! He even settled it so I was paid back for the problems they caused!”

Can Kemba Credit Union Sue Me?

Yes, Kemba Credit Union can sue you. Kemba Credit Union can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by Kemba Credit Union, do not ignore the lawsuit; you may have defenses. If you ignore the lawsuit, the default will be entered and the agency may seek to garnish your wages. If you receive notice of a lawsuit, contact an experienced attorney as soon as possible, even if you intend to represent yourself pro se. If Kemba Credit Union has threatened to sue you, contact Mike Agruss Law as soon as possible; we’re here to help.

Can Kemba Credit Union Garnish My Wages?

Yes, if Kemba Credit Union has a judgment entered against you. If Kemba Credit Union is currently garnishing your wages or threatening to do so, contact our office as soon as possible.

Kemba Credit Union Settlement

If you want to settle a debt with Kemba Credit Union, ask yourself these questions first:

Do I really owe this debt?
Is this debt within the statute of limitations?
Is this debt on my credit report?
If I pay this debt, will Kemba Credit Union remove it from my credit report?
If I pay this debt, will the third-party debt collector remove it from my credit report?
If I pay this debt, will I receive written confirmation from Kemba Credit Union confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Kemba Credit Union, we at Mike Agruss Law are here to help you.

Top Debt Collection Violations

Debt collection laws provided a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law.

Called you about a debt you do not owe.
Called you at work after you told them you cannot receive calls at work.
Left you a message without identifying the company’s name.
Left you a message without disclosing that the call is from a debt collector.
Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
Contacted you after you said stop calling.
Threatened you with legal action (such as a lawsuit or wage garnishment).
Called you before 8:00 AM or after 9:00 PM.
Continued to call you after you have told the collector you cannot pay the debt.
Communicated (phone or letter) with you after you filed for bankruptcy.
Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.
What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, oftentimes Defendants pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.
Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide their citizens an additional layer of protection. For example, if you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, and Wisconsin, you have additional state-law rights.
What type of debt is covered under state laws that protect me from original creditors? Only consumer debt, such as personal, family, and household debts. For example, the money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. State laws usually do not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.
Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No. Only third-party debt collectors are bound by the FDCPA. That is, original creditors, such as credit card companies and banks, are not bound by the FDCPA.
Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans that have a mistake on their credit report? Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.
What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share Your Complaints Against Kemba Credit Union Below

We encourage you to post your complaints about Kemba Credit Union. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Kemba Credit Union over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.

Submitted Comments

Trevor

1 year ago

I complained to the National Credit Union Association after I confirmed Kemba was acting odd and violated federal regulations when I deposited a unemployment check from the treasury. Three days ago (January 19th 2023) I got an email from The Ohio Division of Financial Institutions who said theyre investing my problem and said \"The Division is authorized to conduct investigations into complaints and compel responses from financial institutions only where possible violations of the sections of the Ohio Revised Code administered by the Division are evident\" Today (January 22nd) I got an email from Kemba Director of sales and customer relations telling me he was infering about a complaint about my funds availabilty and the \"Problem the bank caused\" he said he wants to talk and hear what happened and tell me the steps they had to take in response to what happened and ensure the future will be different. Im unsure if I could or should get a consult before talking to this guy. If I should even talk to this guy, or if something else needs to be done. Clearly the dudes email admits I wasnt wrong and they did do what I claimed they did in my complaint about CC regulations being violated even after I told the bank what the regulations tell them they have to do, and asked them to follow them and let me have my money. Its not something a bank probably wants people to hear happens when they just do whatever they want with deposits and peoples money disregarding what someone like myself who isnt in the industry can learn about regulations the banks need to follow....I\'ll write briefly what transpired but its a hot mess I took an unemployment benefit check from the treasury which was drafted from a wells fargo bank. I didnt go to wells fargo because they dont exist in Ohio because they were caught being cheats. I got this sent to me from Pennsylvania Department of Labor finally 2 years after filing for unemployment. I got it christmas eve and had an existing kemba account. I asked to deposit it, they told me im new and they deposited into my savings. Told me new accounts deposits are held for at least 4 days. I told the bank teller its a check, from the treasury, I already called them to be sure i didnt get the scam mail people been getting. I told her it dont sound right that none of this benefit check will even be made available to me. I asked her how I can get the money made available. I told her I needed the cash and couldnt wait. I asked just simply for even a measly $100 abailable just to pay for my doctor appointment I otherwise wouldnt be able to go to. Long story short I read the CC regulations they have to follow. It made sense what they were saying to me. They just started fishing for reasons to use from regulations for how I cant have my money and the hold is legit including telling me \"Its a 5,000 checkl\" to justify what they told me was just their paranoia about these checks being fraudulent, with no reasonn for my specific check being fraud with a bunch of evidence supporting it is good.. It seems like he wanted me to think the check was allowed to be held longer than usual because large amounts over 5,000 can be held a long time. As I was told it was a 5,000 check when it was for under that amount to justify a hold. I was also told the hold was because the whole issues with people comiting fraud. I read in the regulations they cant use this argument because of other things that happened that means i can be scrutinized the same way with a hold and that theyd need specific evidence from my specific check and me specifically comiting fraud for them to hold it for the length of time they did. I read some things about checks issued from the treasury need to be made available regardless of a banks own policy on holds for new accounts. Kembas own policy states holds under certain circumstances can disregard the new account hold process. I told the bank this and after a brief hold when he went to talk to them about my hold being released again he just came back with new excuses for why they hold my funds, All this I told the people at the bank. They just got mad at me for defending myself and my rights and telling them what the regulations say they can and cant do which seemed to trigger them because I basically just got yelled at like I was below them. I reported them to the NCAU after my many failed attempts to let them release my money. The NCAU said based on the information I gave them they think there was enough info for them to want/ need to open a complaint and start an investigation. Three days ago the Ohio Division of Financial Institutions are now involved as I got an email from them saying they also are investigations and giving the bank 20 days to contact me. Today the bank emailed me saying the bank caused a problem, and they had to take steps to correct it. he said he wants to talk about my experience and admitted something happened that shouldnt have. My origional complaint with the NCUA said I think they violated CC regulations and gave examples what Kemba did and what regulations say was wrong for them to do. So something went afoul. Im sure this type of thing isnt good for repuations and i found a ton of reviews from others conforming suspicions of fraud from Kemba and the staffs nasty attitudes. I also ended up having to wait out the entire hold. Missed doctor appointments from not having access to my deposit which cost me the cost of 2 no show appointments and i had to reschedule and pay for 2 new appointments at $100 each. I told Kemba I needed at least $100 made available just to not miss my appointment. My girl went longer without meds she shouldnt have had to. I dont know what to do or not to do or if i should even talk to this Director at Kemba.