Municipal Credit Union

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [Your Answer Here] I did not apply for a cash out refinanceI only sought to lower my current interest rateAnd, I am still not satisfied with their response to my question about my appraisal coming in at $30,below market valueI do not accept their explanation In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

MCU sent the check to the [redacted] to be delivered back to the member so it can be properly endorsed The check was received at the Hamilton Annex Branch of the ***, [redacted] on May *** Attempts to deliver the check to the member were made by the ***, and a notice was left at the member's home to pick up the check at the Hamilton Annex Branch In a conversation that MCU had with the member (contact was initiated by MCU via a direct phone call to the member), the member indicated they went to the [redacted] location of the ***, and the [redacted] could not locate the item due to it being at the Hamilton Annex location, not the [redacted] location.MCU has yet to receive the check back from the ***, and MCU has opened an investigation with the [redacted] to locate the check and rectify this matter We provided the member with all information pertaining to the check being in the possession of the ***, including tracking information.We will continue to work with the [redacted] to locate the check; however, due to the fact that the [redacted] confirmed receipt of the check, MCU is reliant on the [redacted] to either return the check to MCU or deliver to the member.We apologize for the inconvenience that has been caused We will continue to do everything we can to ensure that the [redacted] locates the check and gets it back in the hands of the member, so that they can properly endorse the check and re-deposit

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [Your Answer Here] Initially, during the first phone call whereas I was allowed to withdraw fundsThe issue continued 416, the money has been withdraws out of my account making my balance $I am in the process of reaching out to MCU CEO MrW [redacted] and MCU Chairman MrP [redacted] in regards to this inhumane treatment in handling my fundsThis is very disturbing that MCU acted in this manner and appears to be correct in their stance In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
It is unacceptable hoe MCU handled this noticeThere was no prior notificationsThey just stole my money calling it a sweepAgain MCU will never get my business and I am closing this account as a result of this matter.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Email notifications regarding the upgrade were sent out to all bill pay users on 11/**/at 11:00am and again on 12/**/at 01:00pm. The notification also explained the change from corporate check to paper check, where funds would not be debited from the account immediately after a payment
is scheduled but rather when the check is presented for payment instead The member opted out of receiving email messages from MCU on July *** for the email account on file, *** *** them not to receive the notifications. The same two email notifications were also sent to the email that the member utilized to file the complaint with the Revdex.com at *** but according to our records, they were never opened. Notification of the bill pay upgrade was posted on the website and also once the member logged into their account online, appearing on the right side of the screen. A one-time courtesy of $was given to the member on 02/**/

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I HATE MCU BECAUSE OF THIS EXPERIENCE AND THE ABSOLUTE DISREGARD AND SLANDEROUS WAY THE HAVE HANDLED ME AS A CUSTOMER WITH NO NEGATIVE HISTORY IN THE YEAR I HAD THEM! I Am DISGUSTED BY this AVP! I wish I could send all the correspondence! I didn't know about these developments until I received a call from MCU on 5/**/informing me that my account was in collections with a negative balance of over $1600!!! NEVER GOT A NOTICE UNTIL 5/18/VIA EMAIL WHEN I instantly called Member sevices and so it all began! Three months after I had to submit the claim TWICE! He never once was available when I called! Never had the courtesy to return any calls! So I resorted to writing the emails attachedMy case was then being handle by their collections department and after I contacted the individual who served me notice to contact them AT HOME!!!!! she was also unavailable! I then sent my information both by fax and email and was advised to complain here.Despite extensive efforts to have the case and paperwork reviewed by some one other than the official who made the only decision that I MUST have incurred those charges simply because they were in my name and my account was usedI explicitly denied themI made a reservation through my *** account for 2/*-2/* and CHECKED OUT ON 2/*/A reservation was made for 2/* (reservation unfound by *** btw) and another for 2/*-2/** through an agent, using my name but NOT my account!!!!!! And...despite his review having been conducted between Friday 5/**/and 5/**/16, concluding also on 5/**/16, despite his decision being made as he blatantly disregarded the ORIGINAL hotel documents I hand delivered to MCU upon my return from the country, the direct email that I HAD *** produce validating the othe reservations were made outside if my account, despite receiving grossly enlarged "evidence" from the hotel THREE MONTHS AFTER MY CLAIM WAS SUBMITTED, where ONLY my signature is prominent, dates obscured and the knowledge that they had an imprint of my card....the card that is NOT associated with my *** account and was knly produced at the time of payment FOR MY STAY....which WAS REQUIRED TO BE PAID IN FULL ON DAY ONE!!!!!!!!!! That man STILL refused to even entertain the thought that "hmmmmm, diffrent reservations for the same hotel?! Strange!" And that fraud occurred! Instead he seized my funds, closed my accounts, and blocked my access and even cancelled the credit card I had with them! Then sent me to an outside collections agency! and there it sits! I sent them EVERYTHING and I'm awaiting the result.This is so ridiculous! This was my savings accountEvery two weeks $was directly depositedMy tax refund was directly deposited! Why would I make three separate resvations for the same hotel consecutively instead of one reservation for all the dates?! I had MORE THAN enough to cover the charges before I checked inCharges that include my 2nights and someone else's night and another's night stay! Absolutely insane that my name has been abused not only by a thief but by MCU!
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
you still did not say why I was charged two insufficient fun fees the same business dayWhy is your business practice different from other bank e.g Chase they charge insufficient fun per day not per transaction
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** *** ***

Revdex.com:
I have reviewed the response
made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved.Although the issue has been resolved by my account being refund the amount that was taken out, it is still unbelieve about how long it took the business to respond to a complaint I filed this almost a month agoI am very disappointed how MCU handled this handled this issue and with the customer service I received from the branch representativeI strongly believe that I should put some type of policy in effect that would prevent this from happen to other customer of banking with them
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:I am not happy with this response because this is their custom, the way they have been treating me I want to know why MCU use retaliation methods to get payment when I fall behind with my *** payment I had MCU for years as my bank and had to stop sending my money to them because I got tired of my money been kept hostage, by suspending my online banking and ATM card everytime my *** card payment was was up to date They also won not allow me to close out my checking and savings until thus bill is paid up, therefore these account is open causing me fees I want concrete answers not template onesI still waiting on and answer as to why they send someone to my house.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***

The response below was provided by MCU Collections Department regarding this member complaint:The member's VISA card was charged off on 6/**/in the amount of $4,902.83, with a credit limit of $5, There was also a loan which was charged off on 6/**/11, balance of $2, The
account was referred to Recovery's Unlimited, a 3rd party organization we work with for charge offs, and the attorneys Stern and Stern in August of 2011.MCU approved a settlement of $2, Since the member lives in New Jersey, not New York, we are unable to work with the member on the settlement The attorneys of Stern and Stern have indicated the contacted the member for settlement, but according to MCU records, no judgement is on file.MCU policy is to report charge-offs with no judgement on file for years

The request to review the reporting of the member being past due days has been submitted to our Member Service Operations team for review Once this is reviewed, a member of our team will contact the member directly to report our findings and update them on this inquiry

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***

At this time, I have been contacted directly by Municipal Credit Union regarding complaint ID ***, however my complaint has NOT been resolved because:
[Your Answer Here]
In order for the Revdex.com to appropriately process your response, you MUST answer the
question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
After my claim was denied, I spoke with the representative named Ms B*** and was told by her that the over draft charges would be returnedI don't understand how a representative of your organization (that was working on my claim) can inform me that the NSF fees would be returnedI would like for you to pull the call that I had with her that day so you can hear the conversation that we hadYes I was told that the claim I made was denied and Yes I was told that the NSF charges would be returned (she told me this when I asked her even after the claim was deniedI would like further investigation into this matterThis doesn't make any sense to me that a representative from your branch office can say one thing and then your company turns around and says something elseThis rep is a so called representative of your agency and I was promised something by her and I would like to have it honored, after all she could've easily said no to me and that would've been the end of it, I wouldn't dispute anything if she told me she wouldn't credit back the NSF feesOnce again, I would like for the NSF fees (of $180) to be returned to me.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

We understand that the member has every right to be upset with MCU's decision, and apologize that the member is upset with the decision made; however, due to the fact that there is no new information pertaining to the claim made by the member, MCU stands by the decision made based on the information provided by *** and *** ***s The appeal made to MCU by the member was denied after extensive review, and we consider this matter to be closed

We sincerely apologize that there was an issue with the new debit card the member received at our branch location We have noticed that the member did pay $for a second replacement, and will do the work necessary on the back end to credit the $charge back to the member We believe
this will resolve the issue, and always continue to work to ensure all services we provide to members are as high-quality as possible

Based on the response we feel that the member has agreed to our instructions to properly handle the initial issue in question The member can contact our corporate office if they have additional issues

The Merchant, Direct TV provided credit for $on May **, to the member’s accountMCU issued provisional credit of $on June **, for the difference while the claim is begin investigated. The claim is still under investigation and we will be in contact with the member to
provide additional updates regarding our investigation

I have received an update from our Collections team regarding the member account in question Please see below: Since 3/the member has been constantly delinquent. The member’s credit card has been closed since 7/2015. During this time she has received email notifications that her credit card is past due. She was only current times since March of 2015. When an account falls to days delinquent a general collection lock and a delinquent *** warning gets placed on the account and the debit card gets blocked. We inconvenience the member for having their account delinquent in order to help rectify the delinquency issue The process is for the member to go to the branch and do their transactions with the teller who will call the collections department to get the approval. We do have a process in place called NCCI where we send a 3rd party to the members home which is called “DOOR KNOCK” and is done on the account when there is no contact within the last days As of today, the balance is $5,399.63, the member is delinquent days and owes $which was due on March ***. We apologize that we have to cause an inconvenience to the member in order to rectify the delinquency; however, constant delinquencies are dealt with in this manner to ensure that there isn't an adverse affect on the institution and our other members, who maintain current good standings with the institution