Municipal Credit Union

Review: june **, 2015 I was a victim of grand thief when someone illegal gain entry into my vehicle stealing my wallet and other personal items . upon noticing my belongings was gone I contact the police and mcu to cancel my cards. after contacting mcu I was notified my account was drain of its funds . I open a claim on the [redacted] of june.

after the investigation mcu failed to refund my funds and appropriate charges. mcu claim the suspect some how used my pin and access , my account I have no ideal who would have my id pin number or how they obtain it . I did nbot use the card nor have I ever use the card to with drawl money in that pattern . I don't even use the card cause mcu always decline my transaction. review my history when have I ever use an atm that not bank authorized. I need my money , my account should be secured and insured. mcu promise protect for a year because of a breach they had recently . . mcu do your job investigate .Desired Settlement: I'm asking for a full investigation what pin did they use , how many times did they try to access the account .

Business

Response:

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.

Review: I took a loan for$2000 in 1999 ,also $500 in overdraft is ask for at this present item. My issues is the interest is higher them the principal .I met with the bank and they went through the system and discovered I was never or attempted to be contacted by them about the money owed. Also I've had direct deposit since then , they had 13 years to collect. Also they stated it was a charge off , I new nothing about . My complaint is they froze my debit card even after I set up payment with them through a collection agency is this legal and can they freeze my card until the balance is due , all this came to light when I applied for a loan , I would never have applied if I knew I still owed , I'm no that stupid. I'm requesting this matter be thrown out because of the way a professional institute decided to conduct their unprofessional business.Desired Settlement: I desire for this to be completely closed / credited

Business

Response:

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.

Business

Response:

The MCU collections team got in touch with this member, and arrangements were made for the member pay $50.00 every 2 weeks starting on November [redacted], in order to pay off the balance of the loan past due. The member was granted access to her debit card on 10/**/15 because of the arrangements. The member was advised that we will waive the interest on the accounts. Please let me know if you need additional information. Thanks. [redacted] AVP, Public Relations/Corp. Communications Municipal Credit Union ###-###-#### office ###-###-#### cell

Review: I have several accounts with Municipal Credit Union but the one that I need assistance with is the Fastrack Checking which is currently -820.00. This debt was included in Bankruptcy but this credit union refuses to reflect the account as zero balance. They have taken money from my other accounts to go towards the negative baklance. I have repeatedly contacted their collections department but I have received no relief. This account was discharged in a bankruptcy proceeding on July **, 2015 which they say is noted on the account but yet still they are trying to get money to satisfy the negative balance.Desired Settlement: I would like for Municipal Credit Union to refelct this account as a zero balance. This debt was discharged in bankruptcy.

Business

Response:

This complaint has been forwarded to the appropriate party at MCU for review. Once I receive an update regarding this account issue, I will update accordingly.

Business

Response:

Per internal review from our collections department, the account was coded bankruptcy on 4/**/2015. You're notresponsible for the negative balance in the checking account since it was discharged on 7/**/15, The negative balance on the account of -$810.00 will remain as is and will not be a $0 balance but is considered a loss to the Credit Union. After reviewing the history on your account, there were no transactions that were taken from another account to this to satisfy the negative balance after the bankruptcy was filed. You will not be able to use the savings and the checkingaccount but you can make payments directly to the Auto loan.

Review: On June **, 2015 I received an email from [redacted] & [redacted] credit Monitoring. That I pay for every month to watch my credit for fraud alerts credit Monitoring identity reports. I apply for a loan with MCU over the phone on June 2,2015.for $1500 dollars. I understand that on that day I applied for the loan that they had to run my credit and they did on 6/*/2015. So on 6/**/2015 when I received the email from [redacted] & [redacted] stating that MCU made a inquiry on my credit report for a personal loan. So I called the credit union to ask them why did they make a inquiry on 6/**/15 when they had already pulled my credit on 6/*/2015. They said that they do not know what I am talking about. I have proof that they did this from my credit Bureaus in writing on 6/**/2015. I have the Denial letter from the credit union dated 6/*/2015. My account is [redacted] and I told Ms. G[redacted] who is the supervisor so she said at the customer service department that [redacted] is not my account number.I have it in writing from my denial letter. I did not give MCU the permission to make an inquiry on my credit report. It is against the Law to run my credit or to make an inquiry on my credit without my permission with the credit union. They cannot explain why they did this. If you need me to fax you my the letters proving that I have the correct information I will. please understand I applied for a loan on 6/*/2015. MCU went back and did it again on 6/**/2015 when they already sent me a denial letter. they told me over the phone on 6/*/2015 that I did not get approved for the loan. I always check my credit report three times a week and this was two inquires on my credit from MCU when it should not have been done one time. This hurt my credit doing two times.Desired Settlement: I want to know why they did this. MCU is not a Bank it is a credit union they need to understand that.by Federal Law. I did not give them permission to run my credit or to make a inquiry on my credit with out my permission I want Justice done. I am submitting a Letter to The Attorney General Office about this.

Consumer

Response:

At this time, I have been contacted directly by Municipal Credit Union regarding complaint ID [redacted], 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 Office. about this. I will send you a copy.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Although the member has indicated that MCU has already contacted her regarding this complaint in regards to credit inquiries being made, the complaint has been filed a second time for further review. Once we have more detailed information regarding their issue, we will update this member accordingly.

Consumer

Response:

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]

It looks like the MCU do not want to work with you because they was wrong. But as I told you L letter went to the the Office of Attorney General Office. Why can't you resolved this matter. They was wrong and I am not going to stop until Justice is done.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: Good Afternoon -

I was extremely excited to open an account with MCU as all of the law enforcement personnel in my family have an account as do their spouses and I have heard nothing short of positive experiences. Imagine my disappointment when I opened my account. During the early part of June I opened an acct online and utilized my card once (as credit prior to receiving a pin) - I have not been able to utilize my card since. I was away on vacation with my fiance and upon my return my first order of business was to contact customer service and figure out the issue. With that my first encounter was with Nicola R[redacted] who was nothing short of rude and unable to assist me. I explained to her that I never received an email with my account # (which I needed desperately to set up a direct deposit with my firm). Upon her denial (which in part I understood as she was following protocol) I asked to be transferred to a supervisor whom I was sure would be able to accommodate my request. The supervisor Ms. Kow-L** was even more rude (which caught me completely off guard) as I explained my situation to her there wasn't an ounce of sympathy nor did she try to work with me, NOTHING! So I then asked her to close my account - to my surprise, THAT she has the authority to do over the phone....

In short, I was looking forward to doing business with MCU, however after the way I was treated, that no longer seems to be an option - I 'm sure that I will be treated as a valued customer by [redacted].Desired Settlement: At this time, I would like a refund of my remaining funds.

Business

Response:

We sincerely apologize for the poor customer experience that the member had. If the member had funds in their account at the time of account closure, and has yet to receive those funds back from us, they can contact me directly via email at [redacted], and we can rectify that issue.

Review: MCU is a financial institution that has prevented me from purchasing items while local, traveling the U.S. and internationally. This has gotten to be more than a nuisance and it happens to both me and my husband. I am wondering if it happened disproportionately to people of color.The latest issue is that I don't have access to my on-line banking yet, I can log in to my account by phone. I changed the password and I may have been in error (I don't believe that I was) however, my account has been locked.MCU does not provide a way to call someone directly to rectify concerns, their automated system will disconnect automatically without forwarding you to a person, I have sent 5 emails advising I need a way to get into my account. If I am using a financial institution, I don't think it's too much to ask that I have access to my funds.Desired Settlement: I want MCU 1. to change their automated system so it is more customer friendly with fewer prompts2. to change the automated system so one of the first 3 responses can be speak to a representative3. to have the online system, through checks and balances, reset passwords so we don't have to call the automated system4. to provide me with a copy of 2015 transactions for my taxes5. to provide me with all my bill pay names, account numbers and addresses so I can move my money elsewhere

Business

Response:

First and foremost, we would like to apologize for any inconveniences caused due to MCU policies and procedures. We take all member requests seriously, and appreciate the feedback given. Regarding this particular member feedback, we would like to explain how the issues this particular member is having is due to our concerted effort to ensure the safety and security of all member data and personal information. For the safety and security of our members, their accounts, and identities, we require full authentication prior to accessing accounts via online or mobile banking. Furthermore, we also require automated authentication via our Touch Tone Teller system prior to being connected with a Contact Center Representative. Unfortunately, we have seen instances where non-members try to gather information via our Contact Center, online and mobile banking platforms that would allow them to steal member identities and information, and we have put these security protocols in place to safeguard member data. Although this may be an inconvenience to members, we place a high priority on the safety and security of their personal and account information. Additionally, we require members to notify MCU in advance of traveling internationally, again to ensure that there is no fraudulent activity happening on their account. Because of the importance we place on protecting members from identity theft, other local and regional purchases are restricted at certain times as well. We again apologize for any inconvenience this may cause. We hope that all of our members understand that, although it may be an inconvenience at times, the policies and procedures MCU have put in place are for the betterment of our membership, and the protection of their personal and account information.

Review: I am currently an MCU member and have been trying to simply open a savings account for my 16yr old daughter there as well. I've been to this place 3 times already And EVERY TIME that Ive been to this place, they have an issue with the documents I am providing to them. The first time, I didnt know I had to provide a copy of my daughters birth certificate and social security card. However, I had her NYS learners permit ID which I thought would be sufficient evidence of identity. They said I needed a copy of these documents in order to proceed with the application process. At that point, I ask a family member to email me a copy of her Birth Certificate and Social security card, when I finally provided the copies; I was then told that they couldnt accept the copies. I was frustrated and left. I went back a week later, this time with original documents. I didnt however give the originals, I handed over the copies I previously had given them, the representative simply accepted them!! She didnt even ask for originals. I couldnt believe it because I had provided that the first time and was told they didnt accept it. But now the representative had an issue with MY ID card which I had provided the first time and the lady didnt have a problem with. My License has my maiden name but my account was under my marriage name, [redacted]. At this point I am just highly frustrated that EACH TIME I go to this place, to simply open a savings acct for my daughter; I get all these types of inconveniences. I left early from work twice just to waste my time. I showed them my Job ID to show my last name [redacted]. I also had on me my previous License that I carry with me but its expired which I understand but I wasn't there to open an acct for myself, its for my daughter! these people need to get it together, they need to train their entire staff so that everyone is on the same page! I cant afford to leave work early and get nothing accomplished! why should they need a birth certificate and social just to open a saving!Desired Settlement: I need to know exactly what is needed to open a savings account in the USA?! I have NEVER had to provide so much documentation just to give MY MONEY to someone to just protect and save it. what are the requirements to open a savings acct? I got the below info from there online website: Proof of Identification (over 13) Valid School ID, Learners Permit, Working Papers, U.S. Passport, Valid Non-Driver ID. it says NOTHING about birth certificate or social!! she had her valid school id on her too!

Consumer

Response:

At this time, I have been contacted directly by Municipal Credit Union regarding complaint ID [redacted], 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,

Review: had contacted the municipal credit union in regard to a unknown withdrawl from my account by a company named [redacted] told that it was the cable company, stated that payment had been made on the 10/**/14 yet and posted on the 10/**/14 however was not taken out until the [redacted] of the same month and only going by [redacted] a company with is unknown to me, my cable service is from [redacted] was refunded for insufficient fund cost and now once again have the same transaction being posted to my checking accountDesired Settlement: refund of cost for having insufficient funds in my account in the amount of $30.00

Business

Response:

Dear [redacted],

Your letter with the above complaint ID number in the name of [redacted] was referred to my attention for investigation and response.

Based on the member’s complaint, an extensive review of all interactions that occurred regarding this matter was performed. Below is an account of these interactions:

• On October **, 2014, [redacted] corresponded with five (5) different representatives, within a few hours, concerning the suspected unauthorized transaction. During each of these interactions, the representatives desperately tried to explain that although [redacted] had credited her cable account with the payment effective October [redacted], the transaction was not presented to MCU until a number of days later.

• When the transaction was presented to us, there were insufficient funds in the account to cover the payment, resulting in the payment being returned and a return fee imposed.

• A review of the account’s transaction history shows that [redacted] has accessed the account in the past, as early as December 2013, with additional payments processed on 05/**/14, 06/**/14, 07/**/14, 07/**/14, 09/**/14 and 09/**/14. Each of these transactions is notated as [redacted] and has never come in under [redacted].

• Prior to [redacted]’s last payment being returned for insufficient funds, we never received a claim of unauthorized transactions and one does not exist for the paid transactions until this day.

• As a courtesy, we reimbursed both fees imposed on October [redacted] and November [redacted] on October [redacted] and November [redacted] respectively; however, MCU did this based on the account’s history and its decision to return the fees should in no way be mistaken as an admission of fault. MCU was well within its rights to impose said fees since the funds were not in the account to cover the transactions.

This type of transaction is presented as an automatic debit. If [redacted] wishes to cease the automatic debits from [redacted], we encourage her to contact that company directly or she can contact our Call Center at ###-###-#### to process a stop payment for this creditor, and all future requests from this company will be returned. Please note that in order to process the stop payment, a fee of $20 will be imposed against the account.

Sincerely,[redacted]

Review: On the dates of 6/**/15, 6/**/15, 6/**/15 (2nd time), 7/*/15, 7/*/15, 7/*/15 I was given NSF (Insufficient Funds Transfer) penalties. I noticed they were all from [redacted] and contacted them accordingly. [redacted] said there was a loophole in which postage is deducted straight from your account and not the primary Credit Card on file which was listed as the primary option. I suffered NSF fees which were reattempted on a weekly basis, soon I was up to $180 in NSF fees! Upon visiting the Staten Island branch (July [redacted] 2015) I was told to get a letter from [redacted] admitting they were at fault. I did and returned with it. I was told that it was a process that could take three weeks to be reimbursed the missing NSF fees which was unheard of. It should be done immediately at the branch level. I accepted and was told there will be no more fees. Within 24 hours THERE WAS 2 MORE!!! I went back today (July **, 2015) to dispute them. I spoke with J D[redacted], Senior Teller who was very friendly and directed me to another staff member. She was a rude, [redacted] woman who shielded her name tag and was extremely rude and dismissive, even arrogant at times. She told me the bank will not honor the NSF fees and that I would be forced to eat the $180. She was a terrible woman and not qualified to work in a bank. As [redacted] admitted there was a legitimate error there should have been no recourse but to refund my NSF fees. I am hurt and I feel I have been stolen from. I deposited over $100 from [redacted] from [redacted] sales I had worked hard on only to have it all taken from me. Please help me recover my fees Revdex.com, I have faith in you. MCU is dubious in the fact there is no way to telephone customer service and they hide behind their website. There is no recourse for customers than to wait in long lines at the branch only to be treated poorly.Desired Settlement: I want nothing less than all $180 of NSF fees. [redacted] admitted there was a problem,, there should be no issue refunding my NSFs.

Business

Response:

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.

Consumer

Response:

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 wish to have all of my recent NSF fees reversed. They were acquired in error and it's completely unfair. I can't afford such a loss to an error that wasn't my fault.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

I have been informed by my staff that the member's account should be credited $180.00 due to [redacted] being at fault for the NSF fees. We apologize for any inconvenience caused to the member.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. You are truly amazing people and my heroes.

Sincerely,

Review: MCU froze my bank account and card effective 4/*/16 after they learned I had funds in my account, which is the first time I've used this bank since 2009. MCU states I owed them a balance for overdraft protection from 2009. Account was 'charged off" as of June 2010 as per Ms. G[redacted] of MCU account collections. I was being assisted in the branch at member services desk by staff S. G**. I was further assisted by teller Ms. N[redacted] and T. G[redacted]. in which both tellers called account collections spoke to Ms. G[redacted] who informed both tellers 2 different stories. I was informed one story by teller and another story when I called personally to speak to Ms. G[redacted] in account collections. L[redacted] story short, MCU have an account in charge off status attempting to take my paycheck by holding my money. the statutue of limitations expires June 2017. They are pure crooks and will never have any business of mines in their bank ever again. Ms. G[redacted] was Rude, Arrogant, Belligerent, and uncompromising.Desired Settlement: I would like my money on hold to be refunded ASAP. Also, I'd like to satisfy the amount owed by settling but I cannpt pay full amount on a debt from 2009 that has grown interest since then.

Business

Response:

P;ease see response below, from MCU Collections Department:This account has been charged off since 2010 with a full pay off balance $440.56 that was outstanding in the Overdraft Line of Credit. A payroll deposit came in on the account, as the member indicated, and it is MCU policy that all charged off accounts must be paid in full before full access to funds can be granted to the debtor. The Line of Credit does accrue interest, as disclosed in the Overdraft Line of Credit disclosure, and the Line of Credit can’t be considered as paid in full until the full balance is paid. The date of the last payment made on this account's Overdraft Line of Credit balance was 12/*/2009.

Consumer

Response:

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 4/*/16 to Chris of MCU account collections, he informed teller N[redacted] that I need to submit documentation proving I am being assisted by credit repair agency addressing the past due balance in order to remove the block from my account to have availability of all funds in my account. I requested to speak to a supervisor but teller N[redacted] had already ended the phone call with Chris. However, during my interaction with N[redacted] and a second teller T. G[redacted], Ms. G[redacted] stepped in assisting N[redacted] whereas she called account collections back requesting to speak to Chris however G[redacted] of MCU account collections stated to talk to her about the issue. Ms. G[redacted] spoke to G[redacted] of MCU account collections who appeared very rude, arrogant, unprofessional, and belligerent in her response to teller stating initial offer by Chris has been taken off table due to me requesting to speak to a supervisor. G[redacted] did not appear to assist this consumer as according to MCU mission to "build lifetime quality financial relationships with each member by providing competitive products and excellent service." I'm baffled at MCU staff behavior, attitude, and unprofessionalism concerning this matter. They never informed me prior to blocking my account while at teller on 3/**/16 whereas I was allowed to withdraw funds. The issue continued 4/*/16 as I returned to the branch, stood more than 2 hours which effected my time and attendance at work as I ran over my 1hr lunch break resulting in returning to work late. I still have not received any documentation in regards to this account overall. MCU allowed my money to be deposited and simply did what they wanted. These actions of MCU does not correspond with their reputation in the "focus on serving members, rather than on maximizing profit." So as of 4/*/16, the money has been withdraws out of my account making my balance $0. I am in the process of reaching out to MCU CEO Mr. W[redacted] and MCU Chairman Mr. P[redacted] in regards to this inhumane treatment in handling my funds. This 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,

Business

Response:

The member's account is a charged off account and MCU has the right to off-set this charge off with deposited funds. Any funds deposited into the account can be applied towards covering the delinquent loan that was unpaid. The member currently has full access to her account, but again MCU reserves the right to off-set the delinquent loan that has been charged off with deposited funds.

Consumer

Response:

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]

It is unacceptable hoe MCU handled this notice. There was no prior notifications. They just stole my money calling it a sweep. Again 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,

This is the WORST bank I have ever had the misfortune of dealing with. First off, there aren't many branches or ATM's in convenient locations. Secondly, they are so SLOW to respond to inquires made through their emailbox. Lastly, when you call their customer service number it takes at least 20 minutes before someone takes your call. They are just plain slow when it comes to making your money available. I deposited cash into one of the ATMS' that accept deposits. The day before I was told by a teller that if I did that the cash would be available immediately. That was so far from the truth. It is now day 3 since I deposited the cash and IT IS STILL ON HOLD!! I have a check coming in any day and it's going to bounce if they don't release the funds. MCU is quick to hit you with fees but their service really sucks. I have a loan with them and they say that I have to keep this account open as long as I have the loan. If this wasn't the case I would've closed this account long ago. STAY AWAY FROM THIS BANK AND DEAL WITH A MORE REPUTABLE AND MODERN BANK!!

Review: Sent 3 predated checks to [redacted] for mortgage payment, payments were supposed to be rendered as follows: 8/*/15/9/*/15, 10/*/15 [redacted] supposedly submitted the all 3 checks on 7/*/15 and Municipal Credit Union Bank failed to advise [redacted] that checks could not be honored because of predated date was not valid. Was charged by MCU $30.00 per check for insufficient funds. Called bank and spoke to several bank representatives and told that not their problem (Ms. L[redacted], Ms. S[redacted], Ms. K[redacted], Ms. K[redacted]) contact [redacted] to resolve my issueDesired Settlement: get refund for $90.00 because bank should not have honored the payments since checks were predated.

Business

Response:

We apologize for the issue that our member is having regarding back-dated checks and NSF Fees. The complaint has been filed and forwarded to the appropriate parties at MCU for review. We will look into the issue fully and make sure that MCU is not at fault for [redacted] processing checks prior to the check date.