Municipal Credit Union

We apologize for the issue that our member is having regarding their debit card fraud claim The complaint has been filed and forwarded to the appropriate parties at MCU for review Once we have more detailed information regarding the complaint, we will update this member accordingly

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:
[Please see Attached: Payments made to *** Card.]12/**/2015- Payment was made for December,**, 2015- Payment was not made days late03/**/2016- Payment was made for February,**,with late feeI was not days late with February,**,Payment03/**/2016- Payment was made for March,**,Due date was: March,**,Payment was made early04/**/2016- Payment was made04/**/2016- Payment was made On 01/**/I gave teller $dollars and $was to have been applied to my credit card but was notAll I see was the balance that I told the teller to deposit on checking accountI have made all these payments yet, I am being told I did not make make any payments at all.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***
days late the reporting date should have been: March,**,payment

Revdex.com:At this time, I have not been contacted by Municipal Credit Union regarding complaint ID ***Sincerely,
*** ***

We have been informed by Stern and Stern that this member has entered into a settlement agreement Notice attached, we feel that this should close this complaint from the member

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:
Thank you for the action you have taken for my invalid sister "*** ** ***" As advised we will contact MCU in a short time First calling to cancel the protection for the fund then calling the other number to close the accountHope that will workout.Whatever happens we will let you know. Thank you again, *** ** ***(***s borther)
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
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] I haved been contacted by Municipal Credit Union at all.I am writing a letter to the Attorney General Officeabout
thisI will send you a copy
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:At this time, I have not been contacted by Municipal Credit Union regarding complaint ID ***.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:
As of this day I haven't gotten my check from MCU nor ***. The information provided to Revdex.com by the MCU is not entirely accurateOnce again, the postal service did leave me a slip in my mail box on one occasion for me to pick up the check at my local post office which is *** *** I went there and was told by the postal clerk that the check wasn't there. At no point I was told that I was at the wrong postal office not in person nor on the postal slip ever indicated that Hamilton Annex. Also I don't live in the Hamilton Annex vicinity and have never gotten any mails there as a matter of fact that postal office doesn't service my zip code. In addition, MCU has not been helpful even after I made the complaint to Revdex.com, they only contacted me on one occasion and gave me minimal information. After that one phone call, I made numerous phone call to MCU and strongly voice my disapproval as to how they are handling the matter. Now I have a representative working with me to rectify the issue. *** ***
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

The member has paid a past due balance that was charged off on 4-*- Because payment was received on 4-*-2016, the information of a charge off that was paid back after being charged off will remain on the member's credit report for five years after the payment date

MCU is in receipt of this complaint, and the complaint has been forwarded to the appropriate parties for review Once we have a full response regarding this issue, we will notify all parties accordingly

Our Security and Fraud team has notified me that the member's claim was processed and funds were credited to their account on November *** The reason that the investigation took time was because our team was working with the NYPD assigned to the member's case, which took time We
apologize that this took longer than the member would have liked; however, we did finish our review of the claim, contacted the member multiple times regarding our findings, and credited the member's account upon completion of our investigation We consider this matter to be closed

First and foremost, we apologize if there was any confusion or inconvenience regarding the usage of MCU's ATM Network or MCU Bill Pay We would like to share some information with this member regarding funds availability and the usage of MCU Bill Pay.The MCU Bill Pay Agreement clearly
states that funds are taken from account on the date of payment processing and by the 4pm bill payment processing time cutoff. This is necessary because the funds need time to clear and be able to be transferred from the institution to the payee. This process, which is very common amongst most financial institutions, cannot be done instantaneously. It typically takes two to three days from the time funds are sent from the account until the payee can confirm receipt of funds, if done electronically In some instances, payees do not have an electronic relationship with our institution; therefore, a mailed check is sent to the payee by MCU Members must have available funds at time of processing a payment, not at the time/date when the payee would receive cleared funds. Furthermore, MCU ATMs do not, at this time, instantly credit accounts with funds depositedThe deposits must be collected and brought to MCU for processing and account crediting. If the funds were deposited with a teller at an MCU Branch location on March ***, prior to 4pm, they would have been credited to the account immediately and prior to the processing of scheduled bill paymentsAs a courtesy to the member, we have already credited $of NSF fees back to her account. We apologize for any inconvenience we may have caused; however, we are unable to waive any additional fees other than the fees already waived and credited back to the member

I will be out of the office from Wednesday, June 15th through Monday, June *** at various work-related functions, and will return to the office on Tuesday, June ***. I will have access to this email throughout my time out of the office, and will get back to you at my earliest convenience on any inquiries For any immediate or urgent needs, please contact Sherry Goldman at ###-###-#### or *** *** at ###-###-#### Thank you

We apologize for the issue that our member is having regarding their account and NSF Fees The complaint has been filed and forwarded to the appropriate parties at MCU for review Once we have more detailed information regarding the complaint, we will update this member accordingly

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]
If the bank could tell I never received the messages, then they are confirming the lack of communication Why would they not send a letter? This is why I opted out of emails because I want hard copy documentation of the regulations.My complaint still stands and I still want a refund. ***
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] My complaint has not been addressedI am not asking MCU to remove the collection from my credit reportI am asking MCU to report the utlization at 0%, as a result of the charge offPlease see the attached MCU bank statement, where my account is listed as having a $balanceThis contradicts the credit union reporting to the major credit bureaus, where they report the current balance not at $0, but at $4,with an 89% utilization.I will be satisfied when my balance and 0% utilization are reported accurately to the major credit bureausPlease see the attached MCU bank statement for proof of the balance, as a result of the charge off status. Sincerely, *** ** ***
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

The member was told that a refund would only be issued if the fraud claim was verified Nevertheless, MCU has decided to refund the member the full $credit The credit has been processed on their account

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]
I apologize about the pay check, I am accustomed to getting my pay deposited directly every pay period and when that did not happen I jump to conclusion that the bank held it but after further investigation I realized that my company mailed me a check insteadThe pay check was not the issue I just mentioned it in my complaint, but my real issue is me being charged two insufficient fee a total of $in the same day, and the bad part is that I had the money in my savings account, the bank could have took the money from my savings to pay the bills the same way the went into the savings to pay themselves the remaining of the insufficient fun fees All I am asking for is my insufficient fun fee backI still think someone could have reached out to me or pull the money from my saving the way you have been doing it, a few in October and November.
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:
[This dispute was closedI don't know who reopen itPlease close this dispute it has been causing me anxiety and chest pains.]
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,
*** ***