New Generations Federal Credit Union

Please help me with a problem that I'm having with [redacted] in reference to my car being repossessedI feel that it was done illegally and I could use some help Below is the letter that I sent to [redacted] Supervisory Committee: My name is [redacted] and my account is #XXXXXI’m requesting that the Supervisory Committee review my vehicle loan account, history and the actions taken by [redacted] When I initially received my loan with New Generations FCU my payments were setup to come out of my payroll check with [redacted] The first issue I began to have with my account is that the money for my car stopped posting to my loan and began going into my checking accountI changed jobs and I started making my payments directly to the credit union because my debit card was hacked different timesI admit that I fell behind on my account at one point but I started making payments on my account to get in good standingsPer MrsC [redacted] , the credit union sent m

Please help me with a problem that I'm having with *** *** in reference to my car being repossessedI feel that it was done illegally and I could use some help
Below is the letter that I sent to *** *** Supervisory Committee:
My name is *** *** and my account is #XXXXXI’m requesting that the Supervisory Committee review my vehicle loan account, history and the actions taken by *** ***When I initially received my loan with New Generations FCU my payments were setup to come out of my payroll check with ***The first issue I began to have with my account is that the money for my car stopped posting to my loan and began going into my checking accountI changed jobs and I started making my payments directly to the credit union because my debit card was hacked different timesI admit that I fell behind on my account at one point but I started making payments on my account to get in good standingsPer MrsC***, the credit union sent m

Since I’ve had a loan with new generations it’s been almost impossible to make a payment on my loan Since Monday 11/13/I have been trying to call and make a payment on my loan, because they do not have any other way to make a payment unless you have an account with them As of 1:58pm on 11/14/I have still not been able to get a hold of a customer service representative to Make a payment of my loanI have been on hold for over hours total over the last two daysThis is absolutely ridiculous and I will never open another account with this company nor will I recommend it to anyone I know

My member number with this bank is ***I contacted the bank and spoke to Linda about a cent apple charge that was charged on my card in errorI believe only 75cent was in the account at the time.The charge went through and caused my account to be overdrawned by $Which means that basically my account is overdrawned because of not being available for a charge that I did not authorized
I contacted the merchant and they informed me that they would refund meLinda at the bank said that its nothing that they could do to waive the charge because I received help in the pastI asked Linda to speak with her supervisor and she stated the supervisor was in a meetingI asked if she could have her supervisor call me back and she said that I need to email her or come into the branch
This is a charge that was done in error and I should not have to be charged a $fee for a cent transaction that was done in error Ive had nothing but problems since ive opened this

I refinanced a vehicle with RVA Financial FCU (formerly known as *** *** *** ***) and I paid the car off and they lost the title Now I have to replace the title and it will cost $**and I can't afford that

This credit union was charging me supplemental insurance FOR YEARS without my knowledgeThey never provided any kind of insurance information, card, etcMy payment more than double in total due to the insurance and interest paidThis was ALL WITHOUT MY KNOWLEDGEI did not find out about this until years later when I attempted to sell my car the first timeI am now at the end of my load and they are hitting me with a large lump sum to payThis has also affected my credit, in just one month my credit has gone down *** points

Review: My member number with this bank is [redacted]. I contacted the bank and spoke to Linda about a 0.99 cent apple charge that was charged on my card in error. I believe only 75cent was in the account at the time.The charge went through and caused my account to be overdrawned by $37.24. Which means that basically my account is overdrawned because of 0.75 not being available for a charge that I did not authorized.

I contacted the merchant and they informed me that they would refund me. Linda at the bank said that its nothing that they could do to waive the charge because I received help in the past. I asked Linda to speak with her supervisor and she stated the supervisor was in a meeting. I asked if she could have her supervisor call me back and she said that I need to email her or come into the branch.

This is a charge that was done in error and I should not have to be charged a $37 fee for a .99 cent transaction that was done in error. Ive had nothing but problems since ive opened this account. I refuse to pay a ridiculous fee for something I didn't authorize to begin with. I am seriously considering closing all of my accounts with this bank.Desired Settlement: I would like an adjustment. If they don't want to adjust it then ill just close all of my accounts with this business and build a relationship with an institution that values my business

Business

Response:

New Generations FCU will refund the $37.00 fee today (3/9/16) as a one time courtesy. The error was not caused by New Generations, however we will make an exception in this case. If you have any further questions, do not hesitate to contact me at 804-359-8754 ext. [redacted].

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted]7, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

Review: I received a letter in the mail that my account didnt have the funds to cover my $211 power bill. but thats incorrect my account had $212 and $211 was cleared left me with $1.78.78 on 01/06/2014 the bank charged me $37 and said I didnt have the funds in the bank as well they transfered $.04 from my saving... I dont get this bank im highly up set now my account is negative $35.22 when I never overdrawn my accountDesired Settlement: I would like for them to take the overdraft fee off my account place my $1.78 back in my account as well place $211 back on my $500 limit for overdrafting

Business

Response:

Spoke with [redacted] she asks that the customer call her at [redacted] to discuss these charges and the protection plan that the customer is a part of. She is also welcome to come to the credit union to discuss the matters.