Bethpage Federal Credit Union

To Whom It May Concern, We recently received notification that [redacted] filed a complaint against Bethpage Federal Credit Union with the Revdex.com dated January **, After careful review of her account, we determined that her records were accurateWe pride ourselves in service and providing a great overall experience for our membersPlease contact [redacted] , [redacted] of [redacted] , at ###-###-#### with any further inquiries on this matter Regards, [redacted]

[redacted] [redacted] Dear [redacted] , Thank you for your email regarding your Bethpage Debit card Dispute on no product received –UGG Boots. I sincerely apologize for any inconvenience this may have... caused. We have received your Notification of Disputed Transaction form for $100.93 and we have reviewed your claim. At this time your claim is closed and we have credited your account $100.93. I want to thank you for being a member with Bethpage. We pride ourselves in delivering excellent service for our members. If you require any further information, please call us at ###-###-####. Sincerely, [redacted] ***

Dear [redacted] , Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit UnionI appreciate the opportunity to address your concerns and resolve your complaintBethpage is committed to providing world-class member service and we know your recent experience does not reflect the level of service you have come to expect from usWe apologize for any trouble or inconvenience this may have caused you.Upon review of your original payment of $on January [redacted] from your Bill Pay, it has been noted that the payment was sent to the incorrect address for your old [redacted] card number and not your [redacted] card numberYou had a conversation with [redacted] on in which he explained the Bill Pay was set up under the incorrect account number and set to send payments by checkThis discrepancy should have been noticed when you first spoke with the Bill Pay Department, we apologizeThe payment information has since been corrected to reflect the proper address and account numberYour February payment of $posted on and was effective dated for 12015, all late fees have been waived and there is no negative impact on your credit reportThank you for bringing this matter to our attentionYour feedback will help us serve you better in the futureAgain, I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s effortsIf you have any other questions, you can reach me at ###-###-####I am available to assist you Monday through Friday, 9:a.mto 3:p.m., ESTRegards, [redacted] ***

Dear *** *** ***, Thank you for your email regarding your Bethpage account status and disputesI sincerely apologize for any inconvenience this may have caused. After further review of your accounts held with Bethpage Federal Credit Union, our findings are as follows: As of
May **, 2014, all accounts held in your name are closed due to a negative balance owed of $244.75There was a check deposit made from a closed account in that was eventually cleared up and we made an exception to continue your membershipWe were unable to locate any claims for disputed charges due to a lost debit card, including any records of contacting us for such claims At this time, you need to make Bethpage whole by paying off the amount owed of $244.75, which will clear up any records that may prevent you from opening an accountBased on the unfavorable account relationship with us, we are unable to extend further membership I want to thank you for being a member with BethpageWe pride ourselves in delivering excellent service for our members If you require any further information, please call us at ###-###-####. Sincerely,*** ***
*** *** ***
*** *** *** ***

Dear *** ***;
Bethpage is in receipt of your compliant filed with the Revdex.com dated October **, regarding your commercial real estate refinancing transaction with us
As you know, Bethpage issued a Term Sheet to you on November ***, which you executed and which was
accepted as received by Bethpage January *, 2014. As indicated, the Term Sheet clearly states the non-refundable nature of the monies paid by you as the “Good Faith Deposit” in connection with processing your loan
As such your request was approved on April *, after receipt of required third party reports as well as financial documentsA commitment was issued and accepted by you on April **,
Subsequent to your acceptance of the commitment you advised *** *** of my office that you no longer wished to consumate the transaction because you decided not to pay off other debts with this refinancing. Therefore, Bethpage withdrew you application at your request
Given your desire not to proceed with this loan, Bethpage incurred costs in good faith that you have been advised you would be responsible for in the event this loan was not approved. As such, we are unable to refund your deposit
Copies of both the executed Term Sheet and Commitment are available upon request. Should you desire to revisit this transaction with us please contact *** ***
Sincerely,
*** ** *** **
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolvedThe letter that I requested from Bethpage Credit Union confirming resolution of the matter was never sent to me,however, the response sent via the Revdex.com will suffice as proof of payment application and final resolution of this matterThank you
Sincerely,
*** ** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I was not responsible for the negative balance when card was supposed to be closed so I should not be held responsible or go without a card I do not have $and its not fair to me
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolvedI got an updated copy of my credit report last night and all errors were correctedBethpage is a great company and I dug a little further and was able to get assistance two days agoI just got the update!
Sincerely,
*** ***

To Whom It May Concern, We recently received notification that *** ** *** filed a complaint against Bethpage Federal Credit Union with the Revdex.com date January **, After careful review of his account, we determined that his records were reported accurately to the
credit bureausWe pride ourselves in service and providing a great overall experience for our members. Please contac* *** *** at ###-###-####with any further inquiries on this matter. Regards, *** ***

To Whom It May Concern,  We recently received notification that [redacted] filed a complaint against Bethpage Federal Credit Union with the Revdex.com dated January **, 2015. After careful review of her account, we determined that her records were accurate. We pride...

ourselves in service and providing a great overall experience for our members. Please contact [redacted] of [redacted], at ###-###-#### with any further inquiries on this matter.  Regards,  [redacted]

December **, 2014 [redacted], [redacted]Dear [redacted], Thank you for your email regarding your trouble with your bank by mail deposit. I sincerely apologize for any inconvenience this may have caused. It is my understanding that you spoke with [redacted],...

[redacted], [redacted], and that [redacted] assisted you with resolving your issue. As [redacted] mentioned, your account has been credited $60.00 to cover the fees associated with stop payments of the [redacted] Money Order and the personal check that was misplaced.  You can contact [redacted] at any time if you have further questions regarding this matter at ###-###-####. I want to thank you for being a member with Bethpage. We pride ourselves in delivering excellent service and great experiences for our members. We hope that you continue to choose Bethpage Federal Credit Union to service your banking needs. I have enclosed some bank by mail envelopes for you as well.If you require any additional assistance, please feel free to contact me at ###-###-####. Sincerely,[redacted] [redacted]Please note the above letter was sent to the member with some bank by mail envelopes.*

Dear [redacted], Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union. I appreciate the opportunity to address your concerns and resolve your complaint. Bethpage is committed to providing world-class member service and we know your recent...

experience does not reflect the level of service you have come to expect from us. We apologize for any trouble or inconvenience this may have caused you.Upon review of your original payment of $154.23 on January [redacted] from your Bill Pay, it has been noted that the payment was sent to the incorrect address for your old [redacted] card number and not your [redacted] card number. You had a conversation with [redacted] on 2/**/15 in which he explained the Bill Pay was set up under the incorrect account number and set to send payments by check. This discrepancy should have been noticed when you first spoke with the Bill Pay Department, we apologize. The payment information has since been corrected to reflect the proper address and account number. Your February payment of $154.23 posted on 2/**/15 and was effective dated for 1/**/2015, all late fees have been waived and there is no negative impact on your credit report. Thank you for bringing this matter to our attention. Your feedback will help us serve you better in the future. Again, I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts. If you have any other questions, you can reach me at ###-###-####. I am available to assist you Monday through Friday, 9:00 a.m. to 3:00 p.m., EST. Regards,   [redacted] [redacted]

[redacted]
 
[redacted]
[redacted]
[redacted]
 Dear [redacted], Thank you for your email regarding your Bethpage Debit card Dispute on no product received –UGG Boots.  I sincerely apologize for any inconvenience this may have...

caused. We have received your Notification of Disputed Transaction form for $100.93 and we have reviewed your claim. At this time your claim is closed and we have credited your account $100.93.  I want to thank you for being a member with Bethpage. We pride ourselves in delivering excellent service for our members.  If you require any further information, please call us at ###-###-####.  Sincerely,[redacted]
[redacted]

If I could give a negative 5 stars I would. Their customers service is awful, when they give you an answer, "it is to protect our customers" but nobody communicates to you from the company what they did. They placed my ATM card on "hold" because I was above a $2500 withdrawal limit. If they were so concerned it was not me and there was a fraudulent activity Bethpage should by professional to me to verify that I am the one doing all the transactions with my card. For Bethpage to just stop all activity on my card is ATM in an emergency situation? It irritates me that they give me the common decency why they placed the card on hold, I had to call them the next day in the afternoon. I will be taking my money out, I deserve better service than this.

Review: I paid my unsecured line of credit to $0 with my IPad using the Bethpage app. The balance showed $0.

However, I got a call from a collections agent because the balance was really not $0 as the BFCU app showed, it was $0.19. Then BFCU applied a $20 late fee on top of this. It appears you cannot pay the balance to $0 with the app, but the app does not mention this.

BFCU has unfair business practices. If this matter is not resolved and corrected for future users I will be contacting the NY Attorney Generals office.Desired Settlement: 1. Late fee reversed

2. App corrected so you pay down balance to $0

3. Collections calling should stop when an item is in dispute

4. A connection to the automatic calling system and my account so I and BFCU agents can tell me for sure why 5. collections is calling. BFCU agent was not even sure.

5. Collections calls were made, but agent would hang up as soon as I answered. This happened many times. Someone is calling for the "metrics:, but not doing their full job.

Business

Response:

Dear [redacted],

Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”). I appreciate the opportunity to address your concerns.

As a courtesy, the $20 late fee assessed on your loan account was waived and the funds were deposited back into your checking account on 11/**/15.

Members are currently unable to pay down or payoff their loan online as there may be additional charges; we ask members to call so we can fully verify the amount with them and review the additional charges/fees if applicable. The loan account section of the Bethpage Online Banking profile contains a payoff calculator for members which contains a note that states, “This payoff is an estimate and does not include any applicable fees. For Home Equity Lines of Credit and Home Equity Loans, please call ###-###-#### to verify payoff figure.” We may offer the option to pay down or payoff a loan online in the future but it is currently noted online that members call if they would like to do either of these.

I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions.

Regards,Kelly D[redacted]Bethpage Federal Credit Union

Review: I was approved for an unsecured line of credit in the amount of $25,000. I was advised by a representative, [redacted] at the [redacted] location my payments would be no more than $400.00. My first payment came and I was deducted an amount over $600.00. I met with [redacted] and she of course denied anything I stated and didn't give me any paper work that was attached to this loan from day 1. I then went to the bank location of [redacted] and sat down with [redacted] to inquire about a payment plan or something to that extent and make lower monthly payments since this is an extrememly large amount of money and was astounded that [redacted] lead me to believe something was completely incorrect from the beginning. I as a customer have every right to inquire about a different payment method/option. They referred me to a department that could help. I was advised by the representive there is nothing that can be done at this time as I have to pay this line of credit in the amount billed for 12 months straight before assistance can be available. So I understood and continued to pay all payments in full and on time. Nothing at that time was told to me that because I made an inquiry my loan will be reviewed and most likely shut down.

Just recently, I have went to see my available funds and discovered it was at a negative. I went to [redacted] and sat with [redacted] and was advised this was shut down back in September because "someone requested it". It is January, I recieved no written information nor verbal communication that this happened. I recieved a call from a Representative, [redacted] from the main phone number for this institution and was told the woman I spoke to in the department where I inquired about different payment method/options had entered in a note that reads "this customer called because she could not pay this loan". This is not at all the fact, as I have again paid in full and on time - everytime. Because this woman wrote these words - Bethpage Federal Credit Union w/o any advisement on thier behalf shut my available funds down because a note was not written as an inquiry but a "statement of customer". I am appalled as again, as a customer I should have every right to seek help/information from this institution without any judgement placed on me as an individual. Many people I know seek help from thier financial institution and recieve it willingly. So today, this unsecured line of credit I was approved for and was able to have funds available to me as I pay down the loan amount has now turned into a secured loan which now leaves me with no available funds.

I pleaded for thier help and asked that this be reversed. Was told by [redacted] there is nothing they can do because this note was documented.Desired Settlement: My unsecured line of credit as a customer be reinstated as there is no evidence of me as a customer reflecting I could not and did not make these payments other than a representatives wrong dictation of our conversation. I have done everything to meet the requirements of paying this unsecured line of credit from the beginning and will remain able to do so.

Business

Response:

To Whom It May Concern, We recently received notification that [redacted] filed a complaint against Bethpage Federal Credit Union with the Revdex.com dated January **, 2015. After careful review of her account, we determined that her records were accurate. We pride ourselves in service and providing a great overall experience for our members. Please contact [redacted], [redacted] of [redacted], at ###-###-#### with any further inquiries on this matter. Regards, [redacted]

Review: I made a payment on my Bethpage Federal Credit Union credit card on January ** for the February payment due on February [redacted] using the Bethpage Federal Credit Union bill pay system ($154.23), which was withdrawn from my checking account; the payment never reached the credit card division. I found this out because the credit card collections division called me on February [redacted] to tell me that they hadn't received payment and that a $40 late charge would be assessed. The payment was made on January ** for the bill which was due on February [redacted]. The money came from my account and was posted as an ACH transaction on February [redacted]. After 15 phone calls and transfers to and from the collections department on February [redacted], the banking branch and the third-party online bill pay company, the bill pay service said that they cut a check and did not do an EFT. I asked why and they couldn't tell me why it wasn't electronic. However, I was assured that the issue would be resolved and that more time was needed to clear the check and ensure that it was received and that my account was noted that the payment did come from my checking account to my credit card. On February [redacted], I received another call from their credit card collection department stating that they still hadn't received the check. We then got a person on the line from the branch who got the bill payment division on the phone (his name was [redacted]). He verified the account, the address where the payment was supposed to be sent and it was discussed that at this point he should stop payment on the old check and reissue a new check and that it should be received in 3 business days. My account was to be noted that they verified that I had made a payment but there was an issue with the BFCU bill pay system and that a new check would be issued and that all late fees should be waived. On February [redacted], I received another phone call from the BFCU credit card collections department again with regard to the same payment and that the new check had not been received either. I subsequently got the branch on the phone again and ask that the issue be escalated to a [redacted] or someone at the ** level. I got a [redacted] named [redacted] who stated that he would ensure proper handling of the issue and that he would ensure that I would not be charged the $40 fee. He also stated that he was horrified by the fact that as a 30 year customer that I would be treated in such a manner and that it was "ridiculous" that this issue has gone on for so long and he assured me that he would stop the harassing calls from the collections department. He also stated that he would call me back by 3pm today with an answer and resolution to the issue. He called me accidentally this morning looking for another customer and had not since called me with a resolution to my specific issue.Desired Settlement: I respectfully request full resolution of this issue, solid evidence that the payment has bee applied to my credit card account and if not, then full reimbursement of the $154.23 that was taken from my checking account and removal of the $40 late fee assessed on my credit card account, a letter of apology and my credit restored and proof that it is restored in writing.

Business

Response:

Dear [redacted], Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union. I appreciate the opportunity to address your concerns and resolve your complaint. Bethpage is committed to providing world-class member service and we know your recent experience does not reflect the level of service you have come to expect from us. We apologize for any trouble or inconvenience this may have caused you.Upon review of your original payment of $154.23 on January [redacted] from your Bill Pay, it has been noted that the payment was sent to the incorrect address for your old [redacted] card number and not your [redacted] card number. You had a conversation with [redacted] on 2/**/15 in which he explained the Bill Pay was set up under the incorrect account number and set to send payments by check. This discrepancy should have been noticed when you first spoke with the Bill Pay Department, we apologize. The payment information has since been corrected to reflect the proper address and account number. Your February payment of $154.23 posted on 2/**/15 and was effective dated for 1/**/2015, all late fees have been waived and there is no negative impact on your credit report. Thank you for bringing this matter to our attention. Your feedback will help us serve you better in the future. Again, I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts. If you have any other questions, you can reach me at ###-###-####. I am available to assist you Monday through Friday, 9:00 a.m. to 3:00 p.m., EST. Regards, [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. The letter that I requested from Bethpage Credit Union confirming resolution of the matter was never sent to me,however, the response sent via the Revdex.com will suffice as proof of payment application and final resolution of this matter. Thank you.

Sincerely,

Review: In December 2008, I attempted to my banking accounts with Bethpage, including a checking account and the unsecured line of credit via the telephone. I was notified that I was not able to do so over the phone as long as there was a balance; although I had already cleared my checking account, I apparently had a balance in my unsecured line of credit. As such, I paid down my unsecured line of credit, and called back on 12/**/2008 to close both accounts. I was under the impression that I had closed both accounts, as, to my recollection, I did not have any additional correspondence from Bethpage Federal Credit Union until the Summer of 2013 when I received notice that I owed money on this account. When I contacted BFCU, I asked what it was from and was informed that there was a balance on my unsecured line of credit. I was confused because I was under the impression that this account, as well as the checking account was closed. I had not gotten any notification in the mail or otherwise informing me that the account was even open, including statements. After speaking with the representative, I was able to surmise that the balance was the result of an automatic payment that was set up to pull from that checking account; it was submitted before the account was closed on the bank's end and before I was able to cancel the automatic payment. This caused my checking account to have a negative balance, which the overdraft then paid. The overdraft was set on automatic payment as well, and when the overdraft balance came due, it pulled from my checking account (which, again, didn’t have money in it) to satisfy the outstanding balance. All of the activity on the account was the automatic payment set up for the line of credit/overdraft pulling from the checking account-which did not have money in it-to pay itself, causing a negative balance in the checking account, which would then pull from the line of credit/overdraft to satisfy the negative balance in the checking account and so on and so forth, resulting in service fees that grew each month. This was going on for a few years, without my knowledge, as I did not receive any notification that this was happening. At this time, I asked what was needed to satisfy the balance, and paid that amount ($100). I thought this was the total owed, but to my surprised I was contacted again last April telling me that once again my balance was overdue. Once again, I asked what I needed to pay, and paid it. I now realize that the amounts relayed to me were how much I needed to pay to bring the accounts current, and not to pay off the balance in full.

Lo and behold, in April of 2015 I was contacted again with the same issue. I contacted BFCU and spoke with a representative. I explained to her what had been happening. She looked at my account and confirmed that although I had attempted to close my account, an automatic withdrawal had crossed and was paid by my checking account (for approximately $12) resulting in a negative balance in the checking account and causing it to remain open. Since that time in 12/2008, my overdraft and checking account have been borrowing from each other to pay themselves down-resulting fees that have built up the balance. She told me that she would put in a request to have the issue reviewed by the Loan department, hopefully resulting in the loan balance being “forgiven”. This call took place in the second week of April. I was told that I would hear back within 24-48 hours. However, I did not hear back from anyone until 4/**/15; that call was another attempt to collect the balance, and the outcome of the loan department’s review was not shared with me until I asked. At that time I was told that it was denied because the cycle began as the result of a charge to my checking account. I then proceeded to explain to this representative what is stated above. I was put on the phone with a Collection’s department supervisor (Amanda- she would not provide her last name, claiming it is policy to only provide first names ), who reported that after the representative explained it to her, she was going to send the claim back up to her department head and make sure that the checking account was closed. Once again, I was told I would hear back from someone in 24-48 hours, but it was not until 4/**/15 ( a week later) that I saw I had a missed call from BFCU, which I returned. Once again, it was an attempted to collect the balance-no mention of the outcome of the Department heads review until I asked. After a lengthy hold, I was put on the phone with the same supervisor that I spoke to last week (Amanda), who stated that the department head denied the claim because there had been a balance since 2013. Once again, I restated the situation and was asked to fax the attached documents that would support my claim (that the accounts were building a balance due to borrowing money from each other and collecting service fees) and given the 48 hour time-frame to receive follow up. Upon ending the call, I immediately faxed the requested information to the best of ability (the online banking system would not go further back than 4/**/13, but what I sent did support my claim for at least the time-frame allowed by the online banking). During the call that took place on 4/**, I learned that despite requesting 4 times that the checking, savings and line of credit accounts be closed, and as of that date they remain open. For a 5th time, I made the same request-that these accounts be closed.

Not surprisingly, the 48 hours came and went with no correspondence. I contacted the call center to follow up on 5/*/15, and spoke with a Briana (again, only given a first name, due to company policy). Briana (actually very helpful to her ability) informed me that there was not 1 note on my file regarding any of the previous communications, including the attempts to collect the balance in 2013 and 2014, no record that my fax was everr received and the accounts remained open. Briana reported noted my file of what had been occurring and finally closed the accounts and after corresponding with her supervisor (Austin-no last name via their policy) reported that she would put in a claim with the loan forgiveness department. Although Briana did contact me on a few occasions to tell me that she had not yet learned the resolution, I eventually, stopped hearing from her as well.

After a couple of weeks (around 5/**/15; I don’t have the exact date or name of the branch manager I spoke to-I know I should but I was so frustrated at this point and I was 38 weeks pregnant). I physically went to the Commack branch-located at [redacted] inside the [redacted]. I explained my situation to the Bank Manager there and requested that the situation be looked into and resolved; that the balance on the line of credit be forgiven. She reported to me that she could not do anything for me while I was there, as she would have to contact Briana, since she was the last person that worked with me, to see where in the process it was. She reported she would follow up with me as soon as possible. Because I was 38 weeks pregnant, I asked if it were possible for them to work with my husband or father, in the event that I (and possibly my husband) were unable to receive the follow up due to my labor and delivery. She agreed, with the stipulation that I put it in writing, which I did.

To date, I have never heard back from her-nor has my husband or father. The issue remains unresolved and I continue to owe money that I should not.Desired Settlement: I would the balance on the line of credit be forgiven without any further out-of-pocket cost on my part. I have given BFCU $225 in the past 2 years to cover charges and fees for a charge (that was for only $11.37) that should not have been paid by the credit union in the first place, as I had requested the accounts be closed. Furthermore, had I been notified that the original charge was made after I attempted to close the account it could of been resolved very easily at that time. Instead the bank paid the change and I was not notified that my account remained open, nor of the cyclical payment dynamic that has resulted in the balance until the balance was already at its maximum.

Business

Response:

Dear [redacted], Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”). I appreciate the opportunity to address your concerns. We have reviewed the accounts in question and determined that both your Checking account and Line of Credit are closed. Your Checking account was closed on 5/*/2015 and Bethpage paid off and closed your Line of Credit on 5/**/2015 in the amount of $569.87. I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions. Regards, Bethpage Federal Credit Union

Review: I attempted to cancel a secured credit card with BFCU on two occasions and received inaccurate misleading information from multiple associates. On the latest occasion I walked into a Bethpage FCU on the week of Nov [redacted]. I advised the teller I wanted to re-initiate the cancellation of my secured card which had and currently has a 0 balance. I was advised it would be completed by Nov [redacted]. Today is December [redacted] and after speaking with customer service, I was advised that no request was put in and it would take an additional 30-45 days to process the request. I feel Bethpage Federal credit Union is resorting to incompetent processes that hold onto customers money for longer then the customer wants in hope of tiring the customer out. As O write this letter, I will just hung up on by Yolanda ([redacted]) who was supposedly looking for a customer service supervisor. This credit union is a joke and should be fined by the federal government who I am also filing a complaint with.Desired Settlement: I want my money refunded to me ASAP.

Business

Response:

Dear [redacted],

Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”). I appreciate the opportunity to address your concerns.

We have reviewed the account in question which was initially closed on 10/**/2015. In accordance with the Secured Card Agreement (attached), funds will be returned between 30-45 days, and not more than 90 days after we receive a written request from you to return any remaining funds. On 10/**/2015, you contacted us regarding your refund in which a representative reminded you of the 30-45 day policy for refunds and you asked us to reopen the account for you. As per your request, your account was reopened on 10/** in which the card was used for two transactions following the reopening of the account. As of 12/*/2015 your account has been closed and you have been issued a refund of $1001.60 into your checking account.

I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions.

Regards,Kelly D[redacted]Bethpage Federal Credit Union

Review: Recently had a school refund direct deposited in my bank account of $800 the bank cleared $180 first and I started spending they cleared the remainder on 4/**/15 of $620 in the morning and by the time I got off of work my account was closed and they called and said they suspected fraud and without questioning or verification they automatically closed my account and my banking priveleges. They did not go through proper verification and closed my account off of what they assumed .Desired Settlement: In return I Just want a new account and my banking priveleges returned

Business

Response:

Dear [redacted], Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union. I appreciate the opportunity to address your concerns and resolve your complaint. Upon review of your complaint I must note that the deposit was not a direct deposit but a deposit made at the [redacted] ATM. In addition, the check deposited was a starter check drawn on [redacted] that was returned “Refer to Maker” due to the illegible maker’s mark. When the full amount of the check was returned for $800 on 4/**, your account went negative and we were able to cover that account by pulling funds from a Custodial account linked to your name. Due to the fact that we were able to cover the negative balance, your accounts were not closed and are still open and active. However, your [redacted]/ATM privileges have been revoked due to the fraudulent activity at the ATM machine. You were contacted regarding this activity and mailed a letter explaining your account changes as well. I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions. Regards, [redacted]