Accentra Credit Union

The negative amount on the checking account first began on November 15, After a statement, numerous notices and a letter we charged the account off on December 23, for a total of $ The negative amount owing was paid in full on December 27, The credit bureau reporting was corrected to say "Account paid in full was a charge off" on It is unfortunate that the timing between the charge off and the "paid in full" date were so closeHad the compliant communicated with us their circumstances we would have worked with them to avoid the charge off action The credit bureau reporting is accurate as it is showing a zero balance owed

I have mailed the complainant a copy of the Trans Union credit report dated 12.11.17, which she would have received in mid-December 2017, verifiying the accuracy of the credit reportThe highlighted areas indicate that:-The "Date Closed" and "Date of Last Payment" is correct indicating 12.27.2016-Balance of "0" owing is correct.-Account Status "64" which indicates the account is "Paid in FullWas a Charge-Off."Again, if the complainant would have notified us of their financial situation surrounding the checking account overdraft starting on the charge off action taken on would have been avoided

I am rejecting this response because:
The original amount due has always been reported as 0 with the credit bureaus. If the account was correctly reported, the $800+ amount “charged off” should have been clear as day on the credit bureaus records. Each of the three report that the original balance reported as 0 with a charge off AND they claim the accounts are still open. It does not make sense. Why is there a charge off when the original balance in default is $0? I believe this was just an unfair reporting tactic that Accentra did, as their records don’t correlate with what the bureaus show. I am prepared to show evidence if necessary. Please do the right thing, Accentra. Mark us as late on the account for a few months, fair, but a charge off was not ethically the right thing to do.

I have mailed the complainant a copy of the Trans Union credit report dated 12.11.17, which she would have received in mid-December 2017, verifiying the accuracy of the credit report. The highlighted areas indicate that:-The "Date Closed" and "Date of Last Payment" is correct indicating 12.27.2016-Balance of "0" owing is correct.-Account Status "64" which indicates the account is "Paid in Full. Was a Charge-Off."Again, if the complainant would have notified us of their financial situation surrounding the checking account overdraft starting on 11.15.2016 the charge off action taken on 12.23.16 would have been avoided.

The negative amount on the checking account first began on November 15, 2016. After a statement, numerous notices and a letter we charged the account off on December 23, 2016 for a total of $ 811.71. The negative amount owing was paid in full on December 27, 2016. The credit bureau...

reporting was corrected to say "Account paid in full was a charge off" on 1.3.17. It is unfortunate that the timing between the charge off and the "paid in full" date were so close. Had the compliant communicated with us their circumstances we would have worked with them to avoid the charge off action.  The credit bureau reporting is accurate as it is showing a zero balance owed.

Initial Business Response /* (1000, 5, 2016/02/29) */
The complainant received an electronic credit to their account of $ 207.18 from [redacted] Staffing on 1.29.16. On 2.16.16 we received a call from [redacted] staffing indicating that they inadvertently issued the credit of 1.29.16 to the wrong...

account number and subsequently the wrong person. We debited the complainant's account for $ 207.18 on the same day. The complainant was not entitled to the funds but due to the alleged hardship caused, Accentra Credit Union agreed to deposit the funds back to their account and they agreed to make weekly payments back to us, which they are doing.
In my opinion, Accentra Credit went above and beyond to help out the complainant, considering we had nothing to do with the apparently input error by [redacted] Staffing and the acknowledgement by the complainant that they were not due the funds in the first place.
Kim R [redacted]
Vice President of Operations
Accentra Credit Union
[redacted]copied and pasted from email.
Initial Consumer Rebuttal /* (3000, 7, 2016/03/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Feb. 19, 2016, I was trying to pay a bill. That's when I noticed that the money was not in my account. I went online to my account, saw that there was a withdraw of 207.18 from [redacted] Staffing. I contacted the bank and spoke with Lindsay. We went to Accentra, spoke with Lindsay and Kim R [redacted]. That's when we were notified about the error. They agreed to refund the money back because they had no right to withdraw money from our account without discussing the matter with us. Feb.8, 2016, there was a NSF fee issued, which was refunded that day, after we contacted accentra. I feel that we should have been informed about what was going on. We feel that their was a security breach. Accentra were the ones drawing money without our permission not [redacted] did not have access to our account. Still don't know who [redacted] is. Can't get any information from [redacted]. Accentra should at least be half responsible for their unauthorized transactions. Not notifying us, and our inconvenience.
Final Business Response /* (4000, 9, 2016/03/04) */
I stand behind my initial response of 2.26.16 and consider the matter closed.
Kim R [redacted]
Vice President of Operations
Accentra Credit Union
[redacted]
Austin, MN 55912
[redacted]@accentracu.org