Nassau Educators Federal Credit Union

Revdex.com:NEFCU reached out and told me they will delete the late from my credit report. Thank you for your help regarding this matter.
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NEFCU has worked with [redacted] to repay his Credit Card debt and has not charged him more than the amount of the debt owed. [redacted] has been granted a temporary hardship payment reduction to assist him with repayment on two occasions, and has been provided the list of required documents...

needed to support a long-term hardship repayment plan. [redacted] was unable to pay the reduced payments for the months of May and June, 2015. [redacted] previously had access to a Courtesy Pay service with NEFCU; a service that would pay an incoming item for payment out of his Checking account, if he did not have sufficient funds to cover payment in hischecking account. This Courtesy Pay service was revoked and is no longer offered to [redacted] due to his inability to pay his Credit Card debt and maintain sufficient funds in his checking account.  [redacted] was granted a temporary reinstatement of the courtesy pay benefit to help him in an emergency situation.   It was explained that due to his inability to pay his regular monthly obligations that we would not be ableto grant any more credit to him.  [redacted] was never restricted from using his own funds at any point, he was prevented from borrowing any more money.  When made aware that his poor financial position would likely never change NEFCU immediately attempted to work out a permanent solution to help make him more successful.Matt J[redacted], Collections Manager, has spoken with [redacted] regarding his account status and total debt owed to NEFCU. His contact information is ###-###-#### or [redacted].

NEFCU has spoken to [redacted] regarding the balance owed on the credit card; a balance that was owed prior any fraudulent transactions. [redacted] is not responsible to pay back any transactions that were fraudulent. NEFCU is in contact with [redacted] and has provided necessary information on...

the balance to assist with repayment of the outstanding balance.

Revdex.com:
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.
Sincerely,
[redacted]

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 am NOT able to get to my account every time that I call from my account they tell me that they can't get to my account can you hold on until they find out what's going on and it tastes than I was and I made it 5 days I have complained about this to the bank the bank is line now because I am NOT able to get to my account a matter of fact I called a [redacted] the apartment that you can do your transaction over the phone and I wasn't able and I'm not able to do that and also I went on the computer and I wasn't able to get on that way either I called technical support they told me hold on they don't know what's going on but they would be to collection with the same person again on top of this this person has reported to my credit department that I am delinquent in payment this is not my fault this payment was supposed to be taken out of my account not that I give it to them it was automatic thing. I want to get out of my I want to get out of my event the appointment and I can't because I'm trying to apply for a home and I can't because I'm delinquent with this account please help me.
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

After careful review and investigation of the complaint filed by Ms. A[redacted], we have ascertained the following:Ms. A[redacted] has been receiving [redacted] Statements from NEFCU (online statements since she opted to receive online statements in August of 2012 by using her email address [redacted].)...

Wedo not have any record of Ms. A[redacted]’s inability to access her account or view her online statements. Our research indicates we do not have any record of Ms. A[redacted] calling NEFCU or reporting to our Call Center any issue pertaining to inability to log into Home Banking or retrieving of her deposit/credit cardstatements.  A validation with our e-mail statement vendor shows that the statements were successfully delivered to referenced e-mail address above.After a review of any calls between the Collections Team and Ms. A[redacted], the notes and recorded telephone conversations with the member identify only a normal conversation between the Collector and member, nomention that the member’s ability to repay their loan had anything to do with statements that were not received.  The member was sent monthly letters of default and automated calls were made to thetelephone number on record requesting a call back to discuss their account with NEFCU.  In October 2013, the member’s husband contacted NEFCU to stop our automatic sweep of payments and to establish a payment plan.  The member, and her husband, were unable to make payments according to the established payment plan agreed upon in October so our automatic sweep program was turned back on.  In March of 2015, the member spoke directly to a Collector and acknowledged the delinquency and stated that due a crazy personal issue, she would like to call back in a week and a half to bring her account current.  In April of 2015, the member wanted to make a partial payment and promised to call back to make restitution on the remaining delinquent amount owed, however no further contact occurred.  NEFCU remains committed to member service and helping our members. Ms. A[redacted] can call for assistance with her account by calling the Collections department at ###-###-#### for assistance with her credit card payment or the Call Center at ###-###-#### for assistance with accessing her account online.

Review: Dear sir or madam,

I have worked very hard over the years to have impeccable credit. I do not miss any payments at all, and unfortunately, as soon as I signed up with [redacted] I knew banking at your credit union was going to be a problem at some point.

I am very computer savvy and do ALL of my banking online. I have credit cards with [redacted], several with [redacted], and have many bank accounts. None have the outdated technology that [redacted] is using.

For as long as I have had the credit card and line of credit with your credit union, I have never been able to pay my bill with your “app”, because it is not capable of making payments from an external account. This has become extremely frustrating to me.

We recently just purchased a house, have many credit cards and bills to manage, and for ALL cards I have, I simply log into the app and it tells me the due date. I work a commission based job, so I prefer not to have auto debit out of my accounts.

This is not a problem on any other credits cards I have but yours. [redacted] & [redacted] clearly show the due date. If a payment was due on November [redacted] for instance, and it was November [redacted], it would show 1 day past due.

Not your company….

As of TODAY I log onto your online banking and it tells me that the payment is due on 12/**/2014. Not everyone remembers when the due date is for all of their credit cards, this is why we have apps and websites. I have no idea how you would expect someone to know the account is overdue when there is no indication of that when logging into your website.

I pay for a credit monitoring service and last night got a notification sending me an alert that a 30 day late was reported by [redacted]. Even after logging into your website again this morning, it STILL does not show a payment due on both parts of your website. This is ridiculous. I don’t know how you expect people to know this if it doesn’t indicate this anywhere on your site. I request you to remove this late payment off of my credit report immediately.

I hold a license with the NYS banking department and I refuse to have this mark impact my credit or livelihood.

SS# [redacted] ###-###-#### [redacted]Desired Settlement: I need this late deleted off of my credit report immediately.

Consumer

Response:

NEFCU reached out and told me they will delete the late from my credit report. Thank you for your help regarding this matter.

Review: I am contacting you today to report to both NEFCU and the Revdex.com three fraudulent charges that NEFCU allowed to be made against my account without any notification to me. Despite being a long standing customer at NEFCU, apparently three fraudulent charges, including 2 fraudulent overdraft charges were made against my account over the last week without any form of contact from anyone at NEFCU. Charges were made in Manhattan and Queens, which is also completely against my usual history, and 2 overdrafts were granted, all without any form of notification to me. No phone call or letter was received, and even the representative could not verify whether any attempt to contact me was made. This is unacceptable and will be reported to there Revdex.com. I only found out my card was canceled when I attempted to pull money from my account at the ATM after literally just making a deposit with a teller, who did not inform me of any issues with my account..

The first fraudulent charge that I was not notified of occurred on 12/**/2014 at [redacted] / [redacted] ATM WTHDRWL ON 12/** @ 17:41 CARD NBR: -[redacted] for the amount of $503.25, plus 2 overdraft fees of $3.00. One overdraft fee was on the [redacted] of December and the other was on the [redacted] of December. The second fraudulent charge I was not notified about occurred on December **, 2014 in Manhattan, but was blocked and never completed. At that point the bank canceled my card with no notification to me, and did not take any action to review any previous charges against my account. They did not even reissue a card until I appeared in person to request it, and they required a letter from me verifying the charges were fraudulent, despite my reviewing the transactions with a representative on the phone who stated she would be able to assist me. Telling me to go to the branch with a letter is not any assistance at all. I am appalled and while NEFCU is supposedly taking action to rectify, I have absolutely no faith in their ability to do so, so I am reporting the issue to you as well.Desired Settlement: All fraudulent withdrawals should be returned to my account and NEFCU's rating with the Revdex.com should be downgraded for poor service and inadequate customer protection.

Business

Response:

On 12/**/14, at 5:41 PM, there was an ATM withdrawal of $503.00 from the member’s account. This transaction caused a $3.00 auto transfer fee as the full $503.00 was not available in the member’s account. Although the member has subsequently advised us that this indeed was a fraudulent transaction, it did not trigger any fraudulent alert or block by our fraud units at the time as it was not an unusual transaction. On 12/**/14, at 8:30 AM, there were 2 balance inquiries and two withdrawal attempts at another ATM. The withdrawals did not complete as funds were not available. Once again, the activity did not trigger any fraud alert due to the common nature of the transaction. ATM activity in close proximity to the member’s regular transaction patterns will not be a reason to flag it as a suspicious transaction. On 12/**/14, our internal Card Operations unit received a faxed notification from FICO, a third party that monitors ATM network activity, informing us of suspicious card activity associated with our member’s card. The card was used, along with 3 others (regardless of card issuer), in rapid succession at one particular ATM location. This notification was received, via fax,after business hours on 12/**/14. On 1/*/15 (next business day), the FICO notification was reviewed by our internal Card Operations unit at 10:36 AM and they attempted to contact the member at the phone number on file (###-###-####). Since they were unable to reach the member, a block was placed on the card to prevent any further fraudulent activity until we wereable to discuss with the member. On 1/*/15 at approximately 11:30 AM, the member realized there was a block on the card after attempting to withdraw funds after making a deposit in our [redacted] branch. At that point, the member was assisted by a Member Service Representative in [redacted]. A letter (officially identifying the fraudulent transaction – required by VISA) was drafted and sent to our internal by Card Operations unit. As of 1/*/15, the member has received a provisional credit of $503 and his fraud claim is being handled as per our regular procedures with VISA. This situation was managed within NEFCU’s standards and procedures as well as the rules and regulations of Visa and in compliance with all regulations relating to fraudulent transactions. Members are not liable for unauthorized withdrawals;however, the Credit Union cannot always predicatively determine which transactions are fraudulent until we confer with the member. In this particular case, further fraud was prevented based on alerts received regarding the activity. NEFCU has attempted to speak to the member, leaving 2 messages at the phone number on file.

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.

Sincerely,

Review: I am a 63 year old man with a bad heart condition and this is happening to me, It's now about 4 years. That I'm paying $150 so was my credit card with Nassau educators Federal Credit Union. This was given to me because I requested that I couldn't pay what they were asking for they told me that I would not be able to use the card. So why is it so possible that they can take and place of financial debit and continue this as I'm paying $150. So now I still owe more then I started with. Just last month $150 was taken out. And this month July was not taken out. And I am be charged some outrageous money that I can pay. So I was told by a manager at Nassau educators Federal Credit Union credit card collection that I can file for hardship. Not want to me of anything that would happen to my account. He proceeded and photos my account completely. I was stuck in New Jersey with no money f flat. I made numerous of calls. To this manager and was told that he was at a meeting every time I called. Once I told the clerk at the bank of my condition. He quickly got in touch with this manager. And I received the call at 4 o'clock pm. he proceeded to let me know that this service will not be in my bank next month. I am a father of two children divorce and they have a lifestyle that they used to having. I barely can make my ends meet. Why is it that if I was paying $150 towards my credit card why is it that I have to pay more then my credit card debit.Desired Settlement: Finish paying off this credit card

And move on with my life.

Business

Response:

NEFCU has worked with [redacted] to repay his Credit Card debt and has not charged him more than the amount of the debt owed. [redacted] has been granted a temporary hardship payment reduction to assist him with repayment on two occasions, and has been provided the list of required documents needed to support a long-term hardship repayment plan. [redacted] was unable to pay the reduced payments for the months of May and June, 2015. [redacted] previously had access to a Courtesy Pay service with NEFCU; a service that would pay an incoming item for payment out of his Checking account, if he did not have sufficient funds to cover payment in hischecking account. This Courtesy Pay service was revoked and is no longer offered to [redacted] due to his inability to pay his Credit Card debt and maintain sufficient funds in his checking account. [redacted] was granted a temporary reinstatement of the courtesy pay benefit to help him in an emergency situation. It was explained that due to his inability to pay his regular monthly obligations that we would not be ableto grant any more credit to him. [redacted] was never restricted from using his own funds at any point, he was prevented from borrowing any more money. When made aware that his poor financial position would likely never change NEFCU immediately attempted to work out a permanent solution to help make him more successful.Matt J[redacted], Collections Manager, has spoken with [redacted] regarding his account status and total debt owed to NEFCU. His contact information is ###-###-#### or [redacted].

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 am NOT able to get to my account every time that I call from my account they tell me that they can't get to my account can you hold on until they find out what's going on and it tastes than I was and I made it 5 days I have complained about this to the bank the bank is line now because I am NOT able to get to my account a matter of fact I called a [redacted] the apartment that you can do your transaction over the phone and I wasn't able and I'm not able to do that and also I went on the computer and I wasn't able to get on that way either I called technical support they told me hold on they don't know what's going on but they would be to collection with the same person again on top of this this person has reported to my credit department that I am delinquent in payment this is not my fault this payment was supposed to be taken out of my account not that I give it to them it was automatic thing. I want to get out of my I want to get out of my event the appointment and I can't because I'm trying to apply for a home and I can't because I'm delinquent with this account please help me.

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

Sincerely,

After returning my car after the lease was up, NEFCU the lease company, NEFCU issued me an invoice for an additional monthly payment. After providing them with the lease which states that the initial down payment includes the first months payment and a copy of my credit card statement which shows proof of payment NEFCU continues to call my home on a daily basis with an automated message that a payment is due.

Review: Dear Revdex.com, my complaint towards Nefcu federal credit union is a date change. I currently have a nefcu credit card with the company, when I [redacted] recieved the card and the contract I've notice the date that was given to me. The date is the ** of every month I immediately, call the customer service dept requesting for a date change. I explained the reason for the request that my rent and car insurance is due the [redacted] of the month. I asked if the date change can be the end of the month. The rep recommend that I speak to Nefcu customer service which I did. I was told by the rep they are unable to change the date do to there policy. Since I've had this credit card every month I am hit with late fees. I continue to call nefcu continuously asking for a date change hoping that the policy was change unfortunately, not. It's not fair and it's not right that the company shot down my request or try not to work with me.Desired Settlement: All I want from NEFCU is to change my credit card date from the ** of every month to the end of the month. The end of the month date can be the ** of every month that will work for me. That is all I am asking for other than that Nefcu is a very good company. I just feel that they really should try and work with their customers a little better. Thank you

Business

Response:

NEFCU contacted the complainant, apologized for the misinformation and confirmed that we can accomodate her request. Agreed to contact the complaintant one week from today with status update. Issue resolved.

Review: I have not received any bills by mail, email, nor have been able to access my account online. I have no way of paying nor knowing my principal or installment balance. When I call them the agents do not recognize my zip code(s), I tried every one that I've ever had. Accordingly, they won't speak with me. I have a website login that one accessed, not balance or statement information is made available. Months pass, then I start receiving harassing collection calls and am finally provided with an opportunity to make a payment, albeit with major late fees and delinquent credit reporting.

I am appalled by the service, this company is defrauding me by ruining my credit standing, driving up my interest rates, and charging late fees because of their account payment blocking tactics. I've paid this account in full in the past, but am not in the position to do that right now, or I would to eliminate this gross abuse. I took out the card as a Nassau County teacher, but since they opened up to anyone, their service has been horrendous and actions usury.

I had numerous conversations with their reps with the conversation ending in false promises, finger-pointing to other departments, and just plain unresolved bureaucracy.Desired Settlement: I would like my credit report corrected, late fees refunded, penalty interest rate removed, and most importantly to receive statements and payment access.

Business

Response:

After careful review and investigation of the complaint filed by Ms. A[redacted], we have ascertained the following:Ms. A[redacted] has been receiving [redacted] Statements from NEFCU (online statements since she opted to receive online statements in August of 2012 by using her email address [redacted].) Wedo not have any record of Ms. A[redacted]’s inability to access her account or view her online statements. Our research indicates we do not have any record of Ms. A[redacted] calling NEFCU or reporting to our Call Center any issue pertaining to inability to log into Home Banking or retrieving of her deposit/credit cardstatements. A validation with our e-mail statement vendor shows that the statements were successfully delivered to referenced e-mail address above.After a review of any calls between the Collections Team and Ms. A[redacted], the notes and recorded telephone conversations with the member identify only a normal conversation between the Collector and member, nomention that the member’s ability to repay their loan had anything to do with statements that were not received. The member was sent monthly letters of default and automated calls were made to thetelephone number on record requesting a call back to discuss their account with NEFCU. In October 2013, the member’s husband contacted NEFCU to stop our automatic sweep of payments and to establish a payment plan. The member, and her husband, were unable to make payments according to the established payment plan agreed upon in October so our automatic sweep program was turned back on. In March of 2015, the member spoke directly to a Collector and acknowledged the delinquency and stated that due a crazy personal issue, she would like to call back in a week and a half to bring her account current. In April of 2015, the member wanted to make a partial payment and promised to call back to make restitution on the remaining delinquent amount owed, however no further contact occurred. NEFCU remains committed to member service and helping our members. Ms. A[redacted] can call for assistance with her account by calling the Collections department at ###-###-#### for assistance with her credit card payment or the Call Center at ###-###-#### for assistance with accessing her account online.

Review: Someone put fraudulent charges on my NEFCU credit card on 7/**/15. When I realized this happened I contact them. An investigation happened and they determined that the charges were in fact fraudulent. In the meantime NEFCU was taking $45 a month out of my savings account (plus fees) to pay for the fraudulent charge. I called the bank twice and went to the bank once to get them to reimburse my money by putting it towards my original bill amount for $490. They have yet to do that. Since July, they have taken $45 plus a $22 processing fee out of my savings account, but have not put any of that money towards my original bill amount. They owe me approximately $335, and they have yet to return my money. I feel like they are robbing me.Desired Settlement: I would like the money they took from my account to be put towards the original balance on my account. I will then pay off the rest of the bill and close out the accounts.

Business

Response:

NEFCU has spoken to [redacted] regarding the balance owed on the credit card; a balance that was owed prior any fraudulent transactions. [redacted] is not responsible to pay back any transactions that were fraudulent. NEFCU is in contact with [redacted] and has provided necessary information on the balance to assist with repayment of the outstanding balance.