First Technology Federal Credit Union

Complaint: [redacted]I am rejecting this response because I personally went to the branch office at Lloyd Center Branch location 05/16/16 and spoke with Ruben; who informed me that the type of platinum visa card I had did not allow me to cash or redeem the points I had accumulated throughout the years. Therefore, I wasn't allowed to get the Cash Rewards MasterCard due to my credit score, as it was a higher rate of interest and higher credit line.  I was then informed by Ruben that I had no other options but to redeem them for whatever merchandise or gift cards on the Scorecard, yet I was informed earlier by Paul G[redacted] that it would take an Administrative override to receive the credits as a form of cash to try and pay down my current balance owed to First Tech CU. I feel I was mislead by Paul G[redacted] as to try and lower my current account balance with an Administrative override to redeem my reward points to lower the balance and restore my credit rating. I am in a Catch 22 situation as there isn't much opportunity to better my credit score thus lowering my account balance by redeeming reward points and being forced to once again buy, buy, buy' and not enabling oneself to get out of debt. Sincerely,[redacted]

We believe this response was sent before Ms. [redacted] was able to connect with Paul G[redacted] on 05.11. We confirm that Ms. [redacted] and Paul had an opportunity to talk and addressed any outstanding concerns, to our knowledge there are no outstanding concerns but encourage Ms [redacted] to reach out directly to Paul G[redacted] if any new questions arise. Thank you!

We have been in contact with Mr. [redacted] and able to agree to terms which will reinstate his GAP coverage. At this time we consider this matter resolved and appreciate the opportunity to assist Mr. [redacted].

We were able to connect with Mr. [redacted] on 8/26 and provided resolution steps, on 8/29 Mr. [redacted] called back and confirmed resolution steps provided are working and no further questions.

Complaint: [redacted]
I am rejecting this response because: Sadly, this response is untrue.  When I asked Keith to send me physical paperwork explaining how the process works that Nick R[redacted] (bad (sick) guy) followed, without prior proper communication/notification of removing funds from my checking account to pay credit account, I never received that paperwork or got an email from Keith or anyone at First Tech communicating the exact process that should occur to remove funds without proper prior notification.  Until First Tech either refunds my money used without my prior authorization or proper notification via registered mail or whatever the process is that First Tech has still yet to provide I will not accept First Tech's response to this complaint!  
Sincerely,
[redacted]

Complaint: [redacted]I am rejecting this response because:
They did not got as far as they said they did. Their letter did not ask TJX to do anything. Since then, TJX responded to me asking for more information from the bank and that they would not read the information sent to them by the bank without the required information. Wednmesday this week, time First Tech CU said that they were not able to ask for help resolving the issue their ebilling caused. That they would not resend the scant information they refer to in their response with the information that the payee needed. So, in effect, they've done nothing. Apparently, their data no longer reflects the errors I encountered and reported and which they verified earlier which allowed them to send the initial fax. If they didn't confirm the errors, sending the fax they did to TJX would have been against banking regulations, no?
Now they now claim that their data do not support the errors I encountered. Let's remember that their bad services and data is the root cause of the ebilling  fiasco for their customers.... I have asked them to challenge what they are seeing now, be customer focused, and consistent: Finish advocating for their customer who has been materially impacted by their ebilling "glitch". I have asked them to also let me know why their mobile app paid my Amex bill from an account which was closed months earlier and removed from the mobile client months earlier.
I've not heard response for the two days since I sent requested mails to the bank providing evidence of 1) ebilling use with TJX and 2) Amex's late payment
 
I still await them to address my ultimate reequest: resolve the issue with ebilling and TJX which has drastically effected my credit, repay me for fees encountered from Amex and TJX. The CEO sent the "apology" mail but apparently, he does not even see the replies sent to his address. Sincerely,[redacted]

We have received a complaint on this matter from our Federal Regulator and we will responding to that complaint in accordance with the timelines and procedures established by NCUA. If requested, we willll provide Revdex.com a copy of our response to NCUA to address this inquiry but in...

conformance with the timeline and procedures established by NCUA.

We have completed additional research and confirmed that on 07/23/2016 $85.50 was credited to the member for the first transaction that was disputed. On 11/23/2016 a second credit of $85.50 + $2.95 for accrued interest was applied to the member’s credit card in response to the second disputed charge that was the root cause of this complaint. The member has been made aware of these transactions and adjustments and will receive an official statement by the end of December 2016.

Thank you for submitting your request! Our Member Support Manager was able to share during his call with you today (01.06) the next steps towards resolution and some of the expected timelines to complete. We will continue to keep you appraised of the progress and would kindly ask to reach out to us...

via the contact information he provided for any additional questions.  Thank you again for allowing us to connect with you about your concern!

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.
The credit for $85.50 + $2.95 for the disputed charge plus accrued interest is to be applied to the credit card account, and should be reflected on the Dec. 15 statement as discussed via email with the business representative.  Otherwise, please expect the complaint to be re-opened.  
The business rep is thanked for his prompt reply to the Revdex.com complaint as well as his prompt steps to resolving it -- both very much appreciated.Sincerely, [redacted]