Marine Federal Credit union

I made 3 ATM deposits that placed my acct w/in sufficient standings prior to 2 payments being withdrawn & I incurred 2-$35 fees for insufficient fundsI am a member of the Marine Federal Credit Union (MFCU). All information provided below is based on my account transaction history on the MFCU website as of 8/23/2016 at approximately 12:05 PM (when I received a telephone call from a manager of Marine Federal Credit Union).- 8/13/2016: Deposit at ATM: $310. Account balance: $2,093.67.- 8/14/2016: Withdrawal: $533.04. Account balance: $1,560.63.- 8/14/2016: Deposit at ATM: $200. Account balance: $1,760.63.- 8/14/2016: Withdrawal: $30.51. Account balance: $1,730.12.- 8/14/2016: Withdrawal: $7.15. Account balance: $1,722.97.- 8/14/2016: Withdrawal: $1,686. Account balance: $36.97.- 8/15/2016: Crtsy Pay Fee: -$35. Account balance: $1.97.- 8/16/2016: Deposit at ATM: $13. Account balance: $14.97.- 8/16/2016: Withdrawal: $32.29. Account balance: -$17.32.- 8/16/2016: Crtsy Pay Fee: -$35. Account balance: -$52.32.*I called MFCU's Customer Service (XXX) XXX-XXXX on 8/17/2016 at approximately 3:51 PM to inquire about the 2-$35 fees and was told a manager would contact me within 24 hours. *Due to not receiving a call, I called the customer service again on 8/19/2016 at approximately 10:47 AM and was informed that the manager could have had several inquires/complaints prior to mine and would be looking into issues in the order they were filed.*On 8/23/2016 I received a call from a lady identifying herself as a manager. She informed me that deposits made via the ATM are considered as checks and the funds are not available until verified and the check holds are released. She added that the deposits made on the 8/13 and 8/14 were released 8/18 and the deposit on 8/16 was released on 8/19. She also mentioned that there is information posted at the ATM that mentioned something to the nature of ATM deposits are not available until released from hold.My complaint is that on 8/15 - 8/17 when I checked my MFCU account (online) the deposits conducted on 8/13 and 8/14 were not showing as pending transactions but as deposits that also reflected the amount of the deposit in the account balances (in the order that is mentioned above - as they still do today). If my cash deposits made were not released until 8/18 why were they listed as deposits and not pending transactions on 8/15 - 8/17. On 8/17 when I inquired about the fees, Customer Service did not inform me that my deposits were still pending and not released from the check hold yet she assisted me with filing a complaint. ** All 3 deposits were made at an ATM that is connected to a MFCU branch in [redacted]. The complaint and refusal of refund was made with MFCU customer service located in Jacksonville, NC.**Desired SettlementI am requesting a refund in the amount of $70 (2 - $35 fees). Business Response Thank you for bringing this to our attention. For privacy reasons we will not provide any member information via this venue. Marine FCU will address this matter directly with the member.

Marine Federal Credit Union uses shady business practices and keeps its members in the dark in order to steal their money through bogus fees.In December of 2012 I called marine fderal credit union to opt out of their courtesy pay program. Their reply to this was that I needed to sign paperwork to opt out of courtesy pay and fax it back to them. I did as they asked and all was well for about 2 and 1/2 years until I try to withdraw cash from an ATM and it says I have insufficient funds even though a direct deposit just went in. After this I went online to check my account only to find that my acount has incurred 6 separate courtesy pay fees due to transactions posting on the account after the initial one placed it into a negative balance. I called 3 times to notify marine federal credit union of the issue and requesting a refund for the courtesy pay fees that I was no longer enrolled in. They told me that there was nothing they could do to refund the money to my account so I asked to talk to a supervisor who did have the power to take care of the issue. I was told twice that I would receive a call back from a supervisor. This call never occurred and the issue persists. This is the perfect example of a financial organization using fraudulent business practices to scam money out of its customers through bogus fees and broken promises.Desired SettlementI am seeking a refund of all 6 ($35) courtesy pay fees that have been placed on my account totaling $210 in fees. I would like my account returned back to a positive balance. Business Response Thank you for bringing this to our attention. For privacy reasons we will not provide any member information via this venue. Marine FCU will address this matter directly with the member.Consumer Response One of the supervisors in charge of the Marine federal credit union's customer service department contacted me today. I was told that they could find no evidence on one side or the other and decided to refunded the $210 back to my account. I am very happy with how quickly and thoroughly this issue was resolved. I sure hope the same thing does not happen to anyone in the future and I would recommend that anyone utilizing their courtesy pay service check their account daily or get it removed.Final Consumer Response

Over the last three months we have encountered terrible customer service, lacking knowledge, and work ethic with various members of the Mortgage Dept.My mom applied for a loan in October and she was set to close yesterday, three months later. Due to her disabilities I have been assisting with this process. Throughout the entire three months we have dealt with rude and abrupt individuals. There have been many emails and phone calls that have not been responded to. Most recently on January 8th a call was made to the Director of the Mortgage Dept. to discuss ongoing concerns and frustration and she has yet to call back. Communication has not been clear and most importantly consistent. One person is indicating that a detailed breakdown of how much the lot, building on the lot, and new home are, the next indicates they only a draw sheet is needed. Another document that was provided early on and misplaced. Paperwork that was initially provided has been requested again due to misplacement. This includes tax documents, retirement fund summaries, and documents from the builder. It is extremely concerning that documents with personal information have not been handled with more care. There is a complete lack of continuity between the various employees who the loan has been passed to. This has resulted in various conversations ironing out issues that were ironed out previously. Two months into the process I was informed I would need to provide a POA to continue to be contacted regarding my mothers loan. This is not a problem as I have a POA to take care of these kinds of issues but it is certainly concerning that it took two months for it to be requested. A tax transcript form was sent to the IRS with my mother's current address which is not the address where she last filed her taxes. It was returned and had to be completed again and sent off. We submitted the initial form in the very beginning of the process and it was sent off two months later. Had it been sent sooner it wouldn't have been an additional delay. In addition we had already provided her tax information and considering MFCU is the one processing the paperwork is seems a more knowledgeable and efficient institution would have double checked the address before sending it off. Then that leads back to the issue that they couldn't check the address off the tax information because they had misplaced it. Yesterday my mom was finally scheduled to close. We arrived at the Attorney's office at 12pm and were done signing the paperwork at 1pm when the attorney indicated there was an issue with how much the bank had allotted to the builder at closing. They called the closer at the bank who indicated she would call right back. After a good 30 minutes she hadn't called back so the attorney called again only to find out she had "gone to lunch." We waited from 12pm until 4:36pm, we didn't get a lunch, waiting for MFCU to call back to sort out the issue. Previously the bank requested a draw sheet indicating how the money would be distributed to the builder. Yet the closing documents indicated the builder would be receiving the entire 152,117.00 sale price at closing. Clearly this is an example of continued incompetence. When the closer finally called back it was determined that the builder would get 2,300 for the entire lot and building already on it. Clearly this is not acceptable, the lot must be paid for and clear before building begins. The attorney also feeling frustrated with the mistakes and lack of efficient response suggested we go speak to the bank. We arrived and voiced our continued concerns and those that arose at the attorney's office. The closer was immediately defensive pointing her finger, yelling, and storming out of the room stating she would get her manager. Not surprisingly the manager never came to the room. The closer even defended her choice to go to lunch instead of returning the call to the attorney. In the end it was decided that the manager, who never came to speak to us, would review everything and contact the builder in the morning. I'm certain we will have more to add later.Desired SettlementPrior to closing we requested a meeting to all sit down to ensure everything was in order. That request was not satisfied. We are requesting a meeting with the Manager who never came to speak with us, the Director who has yet to return our phone call. A similar letter is being sent to Mr. [redacted] the CEO of MFCU and he is welcome to join the meeting as well. We have various VALID concerns that need addressed. So far all that has occurred is justification, excuses, and avoidance of our concerns.Business Response Contact Name and Title: [redacted]Contact Phone: XXXXXXXXXXContact Email: [redacted]@marinefederal.orgThank you very much for bringing this to our attention. For privacy reasons, we will not provide any member information via this venue. Marine FCU will address this matter directly with the member.

Demand purchasing of homeowners insurance on second mortgage loan. Received letter, dated 02/23/16, from Marine Federal CU (2nd mortgagee/home equity loan #XXXXXXXXXX). Demands that they will (1) purchase homeowners insurance on 2nd mortgage/home equity loan for full coverage and (2) they will incorporate this charge in the 2nd mortgage/home equity loan, and (3) if we have homeowners insurance, to provide them an insurance declaration. I have homeowners insurance from [redacted] My first mortgagee pays the homeowners insurance and property assessment taxes. The Marine Federal Credit is aware of our homeowners insurance from [redacted] and they have called [redacted] to change and place their name as first mortgagee. Reason I know this is because [redacted] sends us an amended declaration of the homeowners insurance policy. Also I'm hesitant to provide Marine Federal Credit Union a copy of our current policy with [redacted] because (1) policy declaration is confidential and (2) they may attempt to call [redacted] and place their name on the policy as first mortgagee with their loan number. I don't know why I'm being targeted and perhaps age discriminated but this type of action must stop (illegally placing their name as first mortgagee).Desired Settlement(1) Stop changing my homeowners insurance policy to reflect Marine Federal Credit Union and their loan number as the First Mortgagee. Credit union is Second Mortgagee and does not pay my homeowners insurance and property assessment taxes which is paid by my first mortgagee (Bank) which is included in my monthly first mortgage payment. (2) Stop demanding a copy of homeowners insurance policy due to confidential information. Marine Federal Credit Union can call [redacted] in San Antonio, Texas, and validate we have a homeowners insurance and full coverage. Marine Federal Credit Union is fully aware that [redacted] is our homeowners insurance company.Business Response Thank you for bringing this to our attention. For privacy reasons we will not provide any member information via this venue. Marine FCU will address this matter directly with the member.

Terrible company! Had a loan for a car with this company, and decided to sale it. First I wanted to pay it off over the phone and they couldn't figure out how to do that,so I had to mail a check.First Red Flag! My comment to that was "thieves can hack my account and take what they want but I cant give you my information and you figure out how to withdraw the money?" Payed the loan off in full well they told me they had to hold my title for 2 weeks to make sure the check cleared, so I decided to pay $15.50 to have the title overnighted after it cleared. It still never came, so I called this morning and they said they accidentally sent it standard mail and was mailed out on the 10th that was almost a week ago. Standard mail even runs faster than that especially when your in the same state! Better believe if your a day late for their payment they are calling and sending letters, but yet get in no hurry to do something in return! I will NEVER do business with this company again!","neg-2

Charging me an OD fee while trying to fund the account.I was called by Marine Federal about a savings account I had open, but had not used for 10+ years because I forgot it was open. They started calling to ask me to deposit money because the account was never funded. It only showed the zero balance with -5 available from non-funding. I have an account with [redacted], they require temporary deposits to verify an outside account is mine. When [redacted] deposited two temporary deposits they immediately attempted to withdraw them. However, Marine Federal charged me $15 OD fee for the trial deposits. I called to complain about this and was promised a phone call to look into it and never received it. Marine Federal has no branch in Oklahoma and I cannot go to one to deposit money, so as an alternative I attempted to fund the account electronically and Marine Federal gave me a fee for doing it. If I had left the account the way it was for the last 10 years I would have not had any fees placed on the account. If this were a transaction Overdraft that would be different, however, this is me trying to fund the account and getting penalized for it. I do not like the fact I was not called regarding this transaction. The fee needs to be refunded, I have maintained a credit account with MFCU for over 10 years and this is my thanks? Desired SettlementSimply put, I want the fee refunded it is not warranted for someone trying to get the account setup to accept deposits. Business Response Thank you for bringing this to our attention. For privacy reasons we will not provide any member information via this venue. Marine FCU will address this matter directly with the member.

This credit union has been the worst experience I have ever had with a business. I had a car loan that went into modification after I lost employment. I was in constant contact with Marine Federal throughout the process. Once the modification was done, I found employment and was working to get the account up to date and missed a payment only to find out later that this put the account into default which caused it to appear that a payment had not been made in 4 MONTHS!! Which is not correct!. I contacted the credit union and told them that I would make a payment this month and would try to get an extra payment in for the month also and I asked if the vehicle would be repossessed and was told no so I asked to be notified if this was the case. This week I called to make the payment and was told that the vehicle was going to be repossessed. I need my vehicle and I have been in contact with them the entire time and have been making payments, but I was basically told tough, just get your things out of the vehicle because we are coming to get it . I have had the vehicle for 3 years and intended to keep the vehicle. The staff person in collections was the worst that I have ever dealt with.","neg-1

Account is being inaccurately reported and should not be listed on my credit file.Marine Federal is falsely reporting three accounts as a charge off but none of the accounts should have reached this status since the account was closed and at the time did not have a deposited related debt with Marine Federal. I'm really confused about how that could have happen being that all my direct deposit was being sent to Marine Federal up until 10/2008. I closed the account but Marine Federal left the account open which allowed it draw overdraft fee due to [redacted] attempting to draft an account that I knowingly closed. Their error and fail to close the account as requested is the reason for the debt and therefore I should not be punish in my credit rating for that mistake. I have tried to get this removed from my file with Marine Federal but to no avail. It's really dishearten that a company who has Marine in there name would not be willing to help the people that keep the business going. I served my country proudly for 12 years in the Marine. Have made numerous sacrifices both to my health and family but this is the thanks I get. The three accounts that Marine Federal are reporting is damaging my reputation and affecting my ability to provide a better living situation for my family and its sickening to know that no one there cares and not what I expected at all. Desired SettlementDeletion of negative items from my credit file.Business Response Thank you for bringing this to our attention. For privacy reasons we will not provide any member information via this venue. Marine FCU will address this matter directly with the member.