GNC Community Federal Credit Union

Please use this letter as explanation to what occurred in Ms ***’s account at the GNC Community FCU.All members are charged a $nsf fee when an ACH, ATM, POS and DRAFTS tries to clear and there is nomoney to coverWe charge the fee and most of the time the item is cleared...this is our overdraft protectionprogram in placeWe DO NOT charge to transfer money from one account to another.I have several emails going back and forth with Ms [redacted] regarding the NSF fees in her account, and thereseveral occasions that she was to meet with me and didn’t show or couldn’t make it.I have enclosed the account histoiy print for your reviewYou will see that the issue started in October of 2014.An ACH credit and several deposits into their account were made on 10-2-Ultimately on 10-9-ashare draft was posted in the amount of $and the balance at the time was only causing the accountto go into the negative and a $fee was chargedThe credit union has an overdraft protection program, whichwas utilized so the draft would not be returnedThe on 10-10-an ATM transfer was made to bring theaccount positive and a home banking deposit was also made later in the dayYou will see this pattern of draftsclearing and then a day or two later the money gets deposited all the way to March of with the negativebalance continues for days with a deposit finally being made to cover.It is the responsibility of the member to watch their account and make sure that items are clearing correctly, soonce we sat down and talked about the account, somehow the items were not bouncing like they were.Please let me know if this is enough information, if not I will get you more.As I had said before, myself the bookkeeper and office manager all reviewed the account and the sameconclusion, she was not unfairly charged any fees.Thank you for your time and attention to this matter.GNC Community FCU

Please use this letter as explanation to what occurred in Ms [redacted]’s account at the GNC Community FCU.All members are charged a $30 nsf fee when an ACH, ATM, POS and DRAFTS tries to clear and there is nomoney to cover. We charge the fee and most of the time the item is cleared...this is our...

overdraft protectionprogram in place. We DO NOT charge to transfer money from one account to another.I have several emails going back and forth with Ms [redacted] regarding the NSF fees in her account, and thereseveral occasions that she was to meet with me and didn’t show or couldn’t make it.I have enclosed the account histoiy print for your review. You will see that the issue started in October of 2014.An ACH credit and several deposits into their account were made on 10-2-2014. Ultimately on 10-9-2014 ashare draft was posted in the amount of $273.00 and the balance at the time was only 32.46 causing the accountto go into the negative and a $30 fee was charged. The credit union has an overdraft protection program, whichwas utilized so the draft would not be returned. The on 10-10-14 an ATM transfer was made to bring theaccount positive and a home banking deposit was also made later in the day. You will see this pattern of draftsclearing and then a day or two later the money gets deposited all the way to March of 2015 with the negativebalance continues for days with a deposit finally being made to cover.It is the responsibility of the member to watch their account and make sure that items are clearing correctly, soonce we sat down and talked about the account, somehow the items were not bouncing like they were.Please let me know if this is enough information, if not I will get you more.As I had said before, myself the bookkeeper and office manager all reviewed the account and the sameconclusion, she was not unfairly charged any fees.Thank you for your time and attention to this matter.GNC Community FCU

Review: Over the past year, my checking account was debited $30.00 in ATM charges on 43 separate occasions. When I spoke with the CEO in Feb, (Feb 18, 2015) she admitted that it appeared something was not right, she was to have her accountant review this get back to me in 2 weeks. I emailed the CEO after 3 weeks with no response and again last week (which was approx. 5 weeks since we initially discussed this matter) yet no response. I would like a refund back into my account with the amount the credit union owes me.Desired Settlement: I would like all ATM charges that were incurred while there was still a positive balance as well as all ATM charges that pushed me into the overdraft status be refunded back to me.

Business

Response:

Please use this letter as explanation to what occurred in Ms [redacted]’s account at the GNC Community FCU.All members are charged a $30 nsf fee when an ACH, ATM, POS and DRAFTS tries to clear and there is nomoney to cover. We charge the fee and most of the time the item is cleared...this is our overdraft protectionprogram in place. We DO NOT charge to transfer money from one account to another.I have several emails going back and forth with Ms [redacted] regarding the NSF fees in her account, and thereseveral occasions that she was to meet with me and didn’t show or couldn’t make it.I have enclosed the account histoiy print for your review. You will see that the issue started in October of 2014.An ACH credit and several deposits into their account were made on 10-2-2014. Ultimately on 10-9-2014 ashare draft was posted in the amount of $273.00 and the balance at the time was only 32.46 causing the accountto go into the negative and a $30 fee was charged. The credit union has an overdraft protection program, whichwas utilized so the draft would not be returned. The on 10-10-14 an ATM transfer was made to bring theaccount positive and a home banking deposit was also made later in the day. You will see this pattern of draftsclearing and then a day or two later the money gets deposited all the way to March of 2015 with the negativebalance continues for days with a deposit finally being made to cover.It is the responsibility of the member to watch their account and make sure that items are clearing correctly, soonce we sat down and talked about the account, somehow the items were not bouncing like they were.Please let me know if this is enough information, if not I will get you more.As I had said before, myself the bookkeeper and office manager all reviewed the account and the sameconclusion, she was not unfairly charged any fees.Thank you for your time and attention to this matter.GNC Community FCU