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Cross Valley Federal Credit Union

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Cross Valley Federal Credit Union Reviews (7)

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI just want to say that yes they refunded me but only because I went there on the 29th to close my account and it just so happened the manager Elaine was there and asked very politely and was extremely nice and very professional on why I was closing my account she had then said who I previously spoke to when I called was not a manager and that she could reverse it and if she did would I still stay a memberI told her yes and thanked her and as far as having the money in there it always is this was nonsense knowing my direct deposit was coming in the very same day the car payment didIt is common courtesy to treat your members with a little respect if everyone did this just think how well thing s would beTHANK You so much Revdex.com FOR ALL OF YOUR HELP AND YOUR QUICK RESPONSE Regards, Thank You Joanne C [redacted]

April 15, Dear Representative Revdex.com: I received your letter/complaint dated 04/10/2015, with assigned ID of [redacted] I have recently taken over the role of CEO for Cross Valley Federal Credit Union and needed to do some research in order to respond appropriatelyPer the claimant [redacted] is claiming that her father [redacted] ***, passed in June at which time he was a member of [redacted] ***’s Credit Union in Scranton, PaIt would have been the [redacted] ***’s Credit Union’s responsibility to get the Death Certificate and disburse the funds to the beneficiary or if there was not a beneficiary then to the funeral home.Cross Valley merged [redacted] ***'s Credit Union on October 5, The account was never marked or flagged, therefore the Cross Valley staff would not have any knowledge that the member was deceasedIt is the policy of the credit union to try and make contact, but according to the records on file, there was no beneficiary or contact information providedIf [redacted] did contact a branch of the credit union, I cannot speak to why they would not have accommodated her, unless they didn't have away to prove that she was a daughterA death certificate could have saved all parties frustration and I do apologize if that was not explained to herPower of Attorney has no power once an individual is deceasedI do apologize that [redacted] is frustrated and completely understandIt is the practice of the credit to act on the member's best interestWe will be glad to send $to [redacted] Funeral Home and close the account outI just assumed the role of CEO for Cross Valley Federal Credit Union on April 1, I cannot speak to why emails or requests haven’t been received, but do know that I am doing my best to restore the integrity of the credit unionI also am saddened to hear that the staff would talk to someone rudely, but know in any business that it is possibleThe only thing that I can do here is apologize as wellI am attaching all of the supporting documents regarding the merger; the first statement of account from the merger and a copy of the cashier check sent to the funeral homeI do hope this letter serves as the apology and closure that [redacted] was looking forIf there is anything further that I can do, please do not hesitate to contact me at [redacted] [redacted] ext, # [redacted] or [redacted] Sincerely, Traci D CEO

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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.
Regards,
*** ***

Dear Representative Revdex.com;I received your letter/complaint dated 07/29/2015, with assigned ID of [redacted]. The complainant documented that they did not receive a fee of $35.00 back due to a Non-Sufficient Fund situation. This is untrue. The fee was refunded on 07/29/2015 at...

14:43 p.m. by the [redacted] Branch Manager.It is the policy of Cross Valley Federal Credit Union that funds be present in the account at the time a withdrawal is made. If funds are not available, the item is then returned with a fee for non-sufficient funds. I understand that the complainant has had direct deposit for over one year, however direct deposit can be stopped at any time and the Credit Union would have no knowledge of this until the deposit was not received. It is in the complainant's best interest moving forward that the complainant have enough money in the account to cover the withdrawals that are scheduled.Respectfully,
Traci D[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I just want to say that yes they refunded me but only because I went there on the 29th to close my account and it just so happened the manager Elaine was there and asked very politely and was extremely nice and very professional on  why I was closing my account she had then said who I previously spoke to when I called was not a manager and that she could reverse it and if she did would I still stay a member. I told her yes and thanked her and as far as having the money in there it always is this was nonsense knowing my direct deposit was coming in the very same day the car payment did. It is common courtesy to treat your members with a little respect if everyone did this just think how well thing s would be. THANK You so much Revdex.com FOR ALL OF YOUR HELP AND YOUR QUICK RESPONSE . 
Regards,
Thank You
Joanne C[redacted]

April 15, 2015
Dear Representative Revdex.com:
I received your letter/complaint dated 04/10/2015, with assigned ID of [redacted]. I have recently taken over the role of CEO for Cross Valley Federal Credit Union and needed to do some research in order to respond appropriately.
Per the...

claimant [redacted] is claiming that her father [redacted], passed in June 2009 at which time he was a member of [redacted]’s Credit Union in Scranton, Pa. It would have been the [redacted]’s Credit Union’s responsibility to get the Death Certificate and disburse the funds to the beneficiary or if there was not a beneficiary then to the funeral home.Cross Valley merged [redacted]'s Credit Union on October 5, 2011. The account was never marked or flagged, therefore the Cross Valley staff would not have any knowledge that the member was deceased. It is the policy of the credit union to try and make contact, but according to the records on file, there was no beneficiary or contact information provided. If [redacted] did contact a branch of the credit union, I cannot speak to why they would not have accommodated her, unless they didn't have away to prove that she was a daughter. A death certificate could have saved all parties frustration and I do apologize if that was not explained to her. Power of Attorney has no power once an individual is deceased.
I do apologize that [redacted] is frustrated and completely understand. It is the practice of the credit to act on the member's best interest. We will be glad to send $196.00 to [redacted] Funeral Home and close the account out.
I just assumed the role of CEO for Cross Valley Federal Credit Union on April 1, 2015. I cannot speak to why emails or requests haven’t been received, but do know that I am doing my best to restore the integrity of the credit union. I also am saddened to hear that the staff would talk to someone rudely, but know in any business that it is possible. The only thing that I can do here is apologize as well.
I am attaching all of the supporting documents regarding the merger; the first statement of account from the merger and a copy of the cashier check sent to the funeral home.
I do hope this letter serves as the apology and closure that [redacted] was looking for. If there is anything further that I can do, please do not hesitate to contact me at [redacted] ext, #[redacted] or [redacted]
Sincerely,
Traci D
CEO

Review: I have a car loan through Cross Valley Federal Credit Union. They claimed there was a lapse in insurance on the car and instituted their own insurance on the car (costing $1759). This raised the monthly payment of the car from $306/month to $457/month without our knowledge. Seven months later, they are claiming that the account is behind $450. I do not understand how they got that odd of an amount after seven months of supposedly unpaying by $150/month. We were told, by [redacted] in the loan department, that if we provided proof that we have insurance on the vehicle, then that $1759 would be refunded back to the account, and the monthly payments would be lowered back to $306/month. This was on Saturday, 30 March 2013. We faxed [redacted] the insurance information on Monday, 1 April 2013. I then talked to [redacted] in the Loan Department on Wednesday, 3 April 2013. She said it can take up to 1 week for the Loan Department to process the refund, when [redacted] had told me 4 days earlier that it takes 1-2 days to process it. I then received a statement on Monday, 8 April 2013 that I owe $1017 by 25 April 2013. I checked my online account on Tuesday, 9 April 2013 with Cross Valley. I still did not see the $1759 refunded back into my account. I called [redacted] again at Cross Valley Federal Credit Union. He told me that he did receive our insurance information and had passed it along to the Insurance Department. I then called the Insurance Department. They said they never received any insurance information on my account, because when they do receive a fax, it is a 2-3 HOUR (not week) turn around time on processing the insurance information. I think this is all very shady and suspicious activity to get more money out of us then they are already getting. I have received different information (including time frames) from three different people that work at Cross Valley Federal Credit Union about this, and yet no one seems willing to handle it and fix this error which is their fault. They admit to have proof of our insurance, yet the insurance department denies that.Desired Settlement: I want this $1759 immediately refunded back into my account to reduce my principle and my monthly payments back to $306/month, along with all fees and charges associated with late payment claims by Cross Valley Federal Credit Union. I also want this immediately removed from my credit report so it does not show that I was late on payments at all, because of thier mishandling of information. And then, I would like a written apology letter from Cross Valley Federal Credit Union admitting to their mistakes.

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Description: Credit Unions

Address: 640 Baltimore Drive, Wilkes Barre, Pennsylvania, United States, 18703

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