Michigan Instruments, Inc.

This is a response to the complaint filed with the Revdex.com on February 8, 2017.  The complaint number is [redacted].On January 13, 2017, a membership account and a checking account were opened in [redacted] name.  The accounts were opened in error.  Immediately...

after the accounts were opened, the Member Service Representative who opened the accounts realized a mistake was made and then closed the membership account and checking account.  I have researched the activity to determine what happened with this membership.  On Friday, January 13, 2017, a cash deposit of $500 was made into Mr. [redacted] existing savings account with the credit union.  At the time of the deposit, the Member Service Representative was in the process of opening another membership for a new member.  As it was a Friday, and during the lunch hour, we were short staffed so the MSR who was opening the account stopped to help the front line.  She took Mr. [redacted] deposit and then continued to open the account for the new member.  At that time, she typed in Mr. [redacted] information rather than the correct information of the new member and proceeded to open the accounts.  When the membership application and signature cards printed out, she realized that the accounts were opened under Mr. [redacted] name rather that the correct person.  She immediately closed the accounts that were opened in error and proceeded to open the new account for the correct, new member.  No transactions had been done in the few minutes that the accounts in Mr. [redacted] name were open.I have also researched receipts and times that the accounts were opened to find that this account was in fact opened in error.  I reviewed the Member Service Representative’s incentive sheet and can confirm that no incentive was claimed or received for the new membership in Mr. [redacted] name that was opened in error.I can say with confidence that this was an error that was corrected immediately and was in no way an attempt to fraudulently open accounts under Mr. [redacted] name, nor was it the intent of our Member Service Representative to deceive the credit union for the purpose of receiving an incentive. Since the complaint was filed, we have also reviewed our account opening procedures and no longer will open accounts and perform teller transactions at the same time.I am sorry for any inconvenience this error may have caused. Please contact me if there are any other questions regarding this issue.Thanks,[redacted]
Vice PresidentBrewery Credit Union1351 N. Dr. Martin L. King Jr. Dr.Milwaukee, WI [email protected]

Dear Revdex.com,Please reference the following assigned ID of [redacted]. After reviewing the following complaint of our members account ([redacted]), I followed up with her request to review her account. [redacted] established a second opportunity Fresh Start Checking account on...

August 22nd of 2016. The Fresh Start checking account allows for members that have been denied a checking or savings account, due to bad credit or past problems with Chex Systems or Tele Check and, gives them a second opportunity to build a financial relationship with our financial institution. [redacted] checking account has had a total of 24 NSF fees that have accrued due to ACH and/or debit transaction items trying to post to her account when funds are not available. As a courtesy our credit union will reverse up to two fee’s a year for each our members; however we have reversed a total of 4 fees for [redacted]. When fees are reversed we do explain to our members that no more fees would be reversed unless the fee accrued as a result of an error occurred on our end. We also recommend that members receive a transaction register to help them with balancing their accounts, once a fee is reversed.Here at the Brewery Credit Union, we value our members business and want to help them with achieving their financial goals. We would be happy to go over her account, to resolve any unanswered questions and review the account in full with [redacted] at her convenience. If there is anything else that I can do to assist you in your investigation, please do not hesitate reaching out to me.Thanks [redacted]- Member Service Supervisor

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
My complaint is regarding their procedure for nsf. I do have a ledger that I deduct all my transactions from. What I am stating is that the bank was quick to deduct the nsf from held funds which were not going to be accessed, when what caused the nsf could have been deducted from that as well then there would have never been an nsf. If the nsfs were not charged until the account was actually in negative status from all the transactions being accessed and the funds then transferred to those who accessed them. Then I would never have had as many nsf. my account would have actually been positive during july/august specifically. Regards,
[redacted]