Chicago Municipal Employees Credit Union

Initial Business Response / [redacted] (1000, 5, 2014/07/10) */ Contact Name and Title: [redacted] CEO/COO Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @cmecuonline.org Re: [redacted] S [redacted] XXXXX To Whom It May Concern: This letter is to inform you that the recent request pertaining to above consumer has been received and reviewed by our financial institutionIn reference to the initial complaint by Consumer it has been determined that she has received overdraft fees as result of an automated payment agreement with LA [redacted] Merchant has attempted to withdraw payment from Consumers account in the past but funds have not been availableAs a result of Non-Sufficient Funds, Consumer has been charged fees for such transactionsConsumer has made purchases and has also transferred deposits to a minor account with our Credit Union resulting in the account not having sufficient funds to make paymentIt is up to the Consumers to review their accounts balances before making purchases or submitting automated payment to MerchantsWe apologized for any inconvenience that this Loss has resulted to our members with Chicago Municipal Employees Credit Union Thank you, Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/07/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) That is only one item, the have been doing is since I have had this accountAnd I have had it for over ten yearsI have called an explained that I the account they are talking about is closedAnd they should not be taking anything out my accountIf it was someone else they would have stopped it by nowI feel like my account is being sto fail, so they can collect feesIt has been like this for years Final Business Response / [redacted] (4000, 9, 2014/07/23) */ Re: [redacted] S [redacted] XXXXX To Whom It May Concern: This letter is to inform you that the recent request pertaining to above consumer has been received and reviewed by our financial institutionIn reference to the reply by Consumer it has been determined that she has received overdraft fees as result of an automated payment agreement with [redacted] Consumer has made previous payments to merchant dating July thru July Upon further investigation with [redacted] Representative [redacted] it has been confirmed that Consumer did close her membership with Merchant but failed to pay a remaining balance from March [redacted] Representative agreed to waive the balance owed by Consumer and discontinue charges to her Credit Union account [redacted] Representative related that the account has been noted as paid in fullAs an additional courtesy from our Institution we will waive the fees on Consumers accountIn closing, it is up to the Consumer to review their accounts and dispute any transactions with merchants first and if all attempts have failed they may file an ACH Fraud Dispute with our Institution and an investigation of the account will be processedWe apologized for any inconvenience that this Loss has resulted to our member with Chicago Municipal Employees Credit Union Thank you, Member Relations Department

This bank is great if nothing goes wrong or if you don't need a service like getting a certified check, They have been working on fixing this for the entire time I have been a customerThe tellers in the bank have typically been really lovely, but their online banking is down frequently, their call center is not helpful Also they are not upgrading to cards with chips in them If your card number is stollen it is at least a business day process to get your new card and even longer for the return of your money after getting a police report Their fees are some of the highest of any bank (credit union or not) when it comes to overdraft at $(I have done this once in years)I have another credit union in another state and they are not like this at all We don't want to go back to a big bank like ***, because we would like to support employee run small business, but eventually we will leave when we figure out where to go

Initial Business Response /* (1000, 5, 2014/03/13) */
Re: Case *** *** ***
To Whom It May Concern:
This letter is to inform you that the recent letter pertaining to above consumer has been received by our financial institutionIn reference to the initial complaint from
Mrs*** ***, the consumer requested her title to be mailed to her and on 1/29/The document was mailed and to our understanding Mrs*** had received her titleOn 3/10/we received a request for the lien release since she had not received her titleOn 3/13/a Lien Release letter was faxed to Consumer upon her requestWe apologized for any inconvenience that this loss had resulted to our member but sometimes we have no control on an outside factors or vendors
Final Consumer Response /* (2000, 7, 2014/03/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I requested a copy of the tittle in JanuaryThe dealer paid off the car and the original title should have been sent to themThe credit union claimed they sent it to me and I never received the originalHowever if they have sent the lien release to the dealer this problem should be resolved

This bank is great if nothing goes wrong or if you don't need a service like getting a certified check, They have been working on fixing this for the entire time I have been a customer.
The tellers in the bank have typically been really lovely, but their online banking is down frequently, their call center is not helpful. Also they are not upgrading to cards with chips in them. If your card number is stollen it is at least a 10 business day process to get your new card and even longer for the return of your money after getting a police report. Their fees are some of the highest of any bank (credit union or not) when it comes to overdraft at $39 (I have done this once in 4 years).
I have another credit union in another state and they are not like this at all. We don't want to go back to a big bank like [redacted], because we would like to support employee run small business, but eventually we will leave when we figure out where to go.

Initial Business Response /* (1000, 5, 2014/07/10) */
Contact Name and Title: [redacted] CEO/COO
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@cmecuonline.org
Re: [redacted]
[redacted] S [redacted]
[redacted] XXXXX
To Whom It May Concern:
This letter is...

to inform you that the recent request pertaining to above consumer has been received and reviewed by our financial institution. In reference to the initial complaint by Consumer it has been determined that she has received overdraft fees as result of an automated payment agreement with LA [redacted] Merchant has attempted to withdraw payment from Consumers account in the past but funds have not been available. As a result of Non-Sufficient Funds, Consumer has been charged fees for such transactions. Consumer has made purchases and has also transferred deposits to a minor account with our Credit Union resulting in the account not having sufficient funds to make payment. It is up to the Consumers to review their accounts balances before making purchases or submitting automated payment to Merchants. We apologized for any inconvenience that this Loss has resulted to our members with Chicago Municipal Employees Credit Union.
Thank you,
Initial Consumer Rebuttal /* (3000, 7, 2014/07/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
That is only one item, the have been doing is since I have had this account. And I have had it for over ten years. I have called an explained that I the account they are talking about is closed. And they should not be taking anything out my account. If it was someone else they would have stopped it by now. I feel like my account is being set-up to fail, so they can collect fees. It has been like this for years.
Final Business Response /* (4000, 9, 2014/07/23) */
Re: [redacted]
[redacted] S [redacted]
[redacted] XXXXX
To Whom It May Concern:
This letter is to inform you that the recent request pertaining to above consumer has been received and reviewed by our financial institution. In reference to the reply by Consumer it has been determined that she has received overdraft fees as result of an automated payment agreement with [redacted] Consumer has made previous payments to merchant dating July 2013 thru July 2014. Upon further investigation with [redacted] Representative [redacted] it has been confirmed that Consumer did close her membership with Merchant but failed to pay a remaining balance from March 2014. [redacted] Representative agreed to waive the balance owed by Consumer and discontinue charges to her Credit Union account. [redacted] Representative related that the account has been noted as paid in full. As an additional courtesy from our Institution we will waive the fees on Consumers account. In closing, it is up to the Consumer to review their accounts and dispute any transactions with merchants first and if all attempts have failed they may file an ACH Fraud Dispute with our Institution and an investigation of the account will be processed. We apologized for any inconvenience that this Loss has resulted to our member with Chicago Municipal Employees Credit Union.
Thank you,
Member Relations Department