Greylock Federal Credit Union

I would like someone explain to me why is there so much attention every time so walk into a bank and every account I ever had has been watch/ supervise and I would like someone to explain to me why. The funds were being questioned, the staff would gossip about me behind my back and all this I found out from an employee and all my experiences has been the same at Adams branch, North Adams Branch and Pittsfield. Hey am I being Targeted as a new small business owner, minority & Army Veteran. I was judge before I even open my IRA, business and savings account to the point I closed my accounts completely and recently decided to try this relationship again with Greylock. But I feel as if the company doesn’t want me to succeed as a minority and all my funds are from educational institutions where I decided not to focus on a certificate and focus 100 percent on my own business as a freehand artist.

Technical problems, Fees not completely disclosed, Hidden contact infoTechnical problems with accessing my funds are not being handled in a timely fashion.Online transfers states there may be a fee but the amount is not disclosed while logged on to the site. The buried list of fees found only on the first landing page omits the fee for online transfers.While logged on to Greylock.org, there is not contact information. After calling Greylock I was told if I was not happy, they could close the account.Desired SettlementI would like action taken so that I can access my funds in a reasonable time frame when encountering a technical problem. Also better listing of contact numbers and better disclosure of fees.Business Response Re: Technical Problems - access of funds: We are unable to resolve the issue internally. A case has been opened with our third-party Internet Banking provider in an effort to resolve the issue. The issue is unique and will take time to resolve. We will pursue a remediation timeline with the Internet Banking provider. We will contact the member with periodic updates leading to final resolution. Re: Greylock.org Contact Information - Contact Information is available by clicking the Contact link in the top margin of website. A request is being placed to add a Contact link or page to the Internet Banking platform. Currently, members utilize "Secure Messaging" for direct contact with the Contact Center when in Internet Banking. Re: Fee disclosure: A request with third-party Internet provider to add additional notification of A2A processing fees to data entry page is being processed. Currently, fees are referenced in the disclosure accepted by member and avaialable immediately upon request. RE: request to close account - this has been addressed directly with member by SVP Branch Admin. Employee involved in the exchange has been spoken to.Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)1) It's been almost 2 weeks with no "periodic updates" from anyone, despite what was written in the business' response above. I doubt that my problem is unique.2) Login to Greylock. Start from the main page, Accounts tab, drop-down Balances. Try to find the routing number. Secure messaging isn't a reasonable method for obtaining the bank routing number. Contact phone numbers are required for internet businesses, and Greylock does provide the numbers, but only on the home page before one logs onto the system.The secure messaging system does not provide technical support issues, or quick response to questions on site use of a non-confidential nature. 3) Multiple different disclosure documents related to account application are not available on the website, not just incomplete. Where is Truth-in-Savings Rate? Nevertheless, the online application requires the applicant to have read and agreed to the terms.Final Business Response Good Afternoon and thank you for your feedback. Greylock has reviewed and understands the member concerns relative to the placement of important information pertaining to fees, regulatory disclosures, contact options and our routing number. Although our review found that all aspects of the website and Internet Banking platforms were in regulatory compliance, we did make some best practice adjustments to the platform to reflect a better representation of fees associated with the A2A service and added contact and routing information to our Internet Banking Welcome Message in advance of a new menu option. Greylock does not have a 24/7 member service team at this time but service agents are avaiable Monday thru Friday from 8am until 5pm and Satursday from 8:30am to 12:30 pm monitoring a combination of phone, email, chat and secure mesaage communication channels available to the membership. As has been our practice, we will continue to review the website and Internet Banking platforms from compliance, user, and best practice perspectives on an ongoing basis. Member feedback is always welcomed and acted upon when it is felt to be in the entire memberships best interests. Thank you.Final Consumer Response (The consumer indicated he/she DID NOT accept the response from the business.)My complaints against Greylock concern two issues: A reasonable experience for users and compliance with regulations.Users should not have to wait 2 weeks for a follow-up, but I imagine it would have been even longer if not for my complaint to the Revdex.com.Greylock writes that "Greylock's routing number is sufficiently placed in the bottom margin of the Greylock.org home page as well as on the Contact page of the website. This is considered FI best practice."As I pointed out, the Routing Number is not available if a user logs in to Greylock. The home page and contact page that list the routing number (in light grey font at the bottom of the page)are not available while logged in to Greylock. Why would a user logged in to the system think to log out when looking for information to complete an online transaction?Best practices for FI does not preclude Greylock from making their website user friendly.Chat services have limited hours of operation. Or will Greylock disable the website after Chat goes home?Users should not have to struggle to find disclosures about fees. Members expect Greylock to to be up front and forthright with fees, not hiding them and making them inaccessible from within the system and only available when navigating the site in specific steps.Greylock's follow up: "Truth In Savings, as well as other new account related documents, are presented automatically to the member at the time of account opening. If the member opts to open an account online, the member will be presented with the appropriate applicable disclosures, through the online platform, which they must accept at that time to proceed with the account opening process. Copies of Truth In Savings and other account opening-related disclosures are available upon request."The online application requires the applicant to sign that he has read the required documents even as these documents are not available.https://cyberbranch1.com/cyberbranch2 0/clients/greylockfcu/applications/membership orig.htmlPlease read Section 7, Authorization.As a credit union servicing its members, Greylock should be happy to make all the information easily available rather than defending a poorly designed and poorly operational website supported with poor, and sometimes inappropriate, customer service.Greylock states that documents are available on request, but that is one of the purposes of the website: making online requests for documents!