B E C U

Review: I deposited a check into the bank for $1724, it was from the [redacted] which has been in business for 75 years.I have deposited several checks from them into my account and never have they held a check before. The bank for some reason put a hold on this check and held it for an unreasonable amount of time 7 days. I had paid bills off of that check and had no idea they were going to hold this check. They returned one of my bills and potentially more now will be returned. This is costing me overdraft fees for uncollected funds as well as fee's from the returned bills. This is not OK. The money is there in the account so they should never have returned a thing.Desired Settlement: I want the NSF fees put back into my account and all of the fees I am charged by these bills that are being returned reimbursed to me by BECU and a letter to each creditor explaining that the money was in my account and that THEY (BECU) returned their payments because they opted to hold my check.

Business

Response:

Initial Business Response /* (1000, 5, 2014/10/02) */

October 2, 2014

Revdex.com Complaint # XXXXXXXX

BECU responds to the complaint that Ms. [redacted] submitted to the Revdex.com on September 25, 2014. In her complaint, Ms. [redacted] states that BECU inappropriately placed a hold on funds that she deposited into her account for the amount of $1,724.00. We have reviewed her complaint and provide the following response.

Ms. [redacted] agreed to the terms and conditions of the BECU Account Agreement booklet when she applied for membership. The Account Agreement states that, for check deposits made into accounts owned by a primary member who has had an active Member Share Savings account for more than 90 days, BECU generally makes non-cash deposits available for withdrawal on the business day following the date of deposit (noting that the date of deposit will be counted as the following business date when the deposit is made on or after 3:00pm PST).

However, there are exceptions to this policy, as disclosed in our Account Agreement. When an account has overdrawn repeatedly in the last six months (as had occurred with the account in question), all accounts owned by the same primary member as the affected account may be subject to extended funds availability holds for all check deposits. These holds may delay the funds availability until the fifth business day following the date of deposit. This explains why BECU placed a hold on the funds that Ms. [redacted] deposited.

Should an extended hold policy become necessary for any of the reasons stated in the Account Agreement, BECU's policy is to notify the primary member of the account(s). BECU also informs the primary member when the funds would be available for withdrawal (see attached documents).

In Ms. [redacted]'s case, thirteen NSF fees posted to the account in question during the one year period from September 22, 2013, through September 22, 2014, including five NSF fees posted during the six month period prior to September 23, 2014 regarding the deposit in question in the amount of $1,724.00. The account into which Ms. [redacted] made this deposit shares a daily provisional credit limit of $500.00 for check deposits, under which the first $500.00 of all check deposits made on the same deposit date, with all other deposit accounts owned by the same primary member, are immediately credited to the account (see attached notice).

An additional deposit was made into the account in question on the same deposit date for $66.40. These funds from the deposit were immediately available. Regarding the $1,724.01 check that Ms. [redacted] deposited on September 23, 2014 via ATM, BECU made $433.60 of these funds immediately available therefore fully satisfying the daily provisional credit limit of $500.00.

According to the extended hold policy as previously stated, the remaining $1,290.40 was placed on hold, to become available on Tuesday, September 30, 2014 (the fifth business day following the date of deposit).

Regarding Ms. [redacted]'s claim that BECU should reverse the NSF fee that accrued on the account in question, our records indicate that BECU reversed, as a one-time courtesy, an NSF fee in the amount of $25.00. As stated in BECU's Account Agreement, if a member withdraws funds that have not yet cleared for final payment via the banking system (those funds that are treated as not yet payable or finally paid, e.g. the $1,290.40 that was on hold from the $1,724.00 deposit), thus causing the available balance of an account to be overdrawn, BECU assesses an NSF fee of $25.00 for each uncollected item.

In the future, if Ms. [redacted] spends funds that are subject to exception holds prior to the date the hold(s) is released and then subsequently overdraws her account, BECU [redacted] not reverse any NSF charges that she incurs.

Sincerely,

Compliance Department

Initial Consumer Rebuttal /* (3000, 7, 2014/10/08) */

(The consumer indicated he/she DID NOT accept the response from the business.)

I was charged 2 NSF fees and only one was reversed. I will be looking for another bank to do my business.

Final Business Response /* (4000, 9, 2014/10/16) */

Revdex.com Complaint # XXXXXXXX

October 16, 2014

Second Response

Ms. [redacted] indicates that she does not accept BECU's response dated October 2, 2014. Specifically, she requests that BECU reverse not one, but two NSF fees that posted to her account. In our prior response, BECU clearly described its policy regarding provisional credit of funds/check holds deposited into an account. In Ms. [redacted]'s case, since she had a history of returned items and NSF fees, BECU's written policy, as documented in the Account Agreement (the terms to which Ms. [redacted] agreed), clearly state that she will be subject to check holds.

Also in our prior response, BECU indicated that we would reverse one NSF in the amount of $25.00 as a one-time courtesy only. We notified her in that letter that should have any other NSF fees or incur any other NSF fees in the future, we would charge her an NSF fee of $25.00.

Therefore, based on BECU's Account Agreement and based on our communication to Ms. [redacted] in our response dated October 2, 2014, BECU will not reverse any more NSF fees.

Sincerely,

Compliance Dept.

Review: Company in question was hired to blacktop my driveway. After completion I noticed areas of puddling in the new drive. I sent an email to the contractor responsible for the job that contained photos of the areas in question. I was told someone would come to fix the issue. The driveway was completed in May of this year, the issues was brought to their attention in June. It is now November and nothing has been done to repair the problem. Twice I have sent the email, multiple times I have been told someone would be out in 7-10 days to fix this, I have lost track of the number of unanswered phone calls to the company.Desired Settlement: I would just like my driveway fixed the way it should have been months ago.

Business

Response:

Sorry, job hasn't been repaired. It will be repaired by end of December.

Seem as if this company has the same repeated problems. As I read some of the other complaints. I would like a nice smooth driveway for $3200! Had the driveway done 6/10/13, 1st call made on 9/10/13, and 4 others in 2013. He would always say he would make good? But was busy due to weather issues. On 5/19/14 placed another call!.He finally came out and said we needed to or should have sealed it?? Sides are crumbling, surface is crumbling, water in the garage, cracks,. Since then I have probably made another 4 calls, Oh he has called me back but still has not made good on his promises promises.

Would like a full refund. Very poor workmanship and customer service!!!

Have a blessed day.