My father passed away with quite a few debts and very little assets. His estate was insolvent and under Washington State estate laws, you can file for probate and what is left of the estate liabilities is given in the order of precendence 1) estate administration (filing fees, attorney fees, etc.) 2) funeral expenses 3) medical expenses of last illnesses...and so forth. Debts is ranks 5th. When I called to cancel my father's social security benefits, they in turn called BECU to freeze his accounts. My father had some outstanding loans and credit card debts with BECU. Upon receiving notification from the Social Security Administration, BECU not only froze his accounts, but they took every penny of money he had in his checkings and savings account. BECU did not even wait till I could file probate to allocate his funds appropriately. My father didn' t have much left, but BECU didn't even care. Even upon showing his death certificate they wouldn't even give me his final statement or the exact amount of what they took. They were so callous to me during this ordeal. I even went to a lawyer, who said that with the administrative costs (plus her fees) would end up leaving me with not much and that it would be easier to walk away. It's a sad realization that they did that - regardless if my father didn't have very much, his little savings would have at least helped me pay for his funeral.

I filed for chapter 13 bankruptcy in August. However, I paid off all my loans with BECU to make sure they did not lose any money in the bankruptcy. The bankruptcy was filed to help out after a job loss and to get our mortgages caught up. Juanita at BECU (206) 812-5391 informed me that if I paid the credit card off by the end of the month, it would be reported as "paid as agreed" on my credit report. However, they lied. Not only did I pay the card off in full, but they reported the debt as part of the bankruptcy. My credit score fell 60 points (the BK wasn't on the credit report yet). The credit report says the account was not paid as agreed. I asked BECU to correct this, but they told me it was their right to report it the way they are. This statement came from Melinda in their bankruptcy department. Her number is 206-812-5250. This credit union is filled with a bunch of liars and thieves. Stay away. Stay far away. I tried to make sure they didn't lose any money and they just don't care.