Peoples Advantage Federal Credit Union

Revdex.com spoke with the businessAt this time the customer has been contacted directly by the business to resolve this concern

Dear Representative Revdex.com,This letter is in response to the letter we received in our office on April 27,Ms [redacted] had requested we refund a $paper statement feeOuremployee gave Ms [redacted] direction on how to avoid the fee in the future and todo so was to sign up for e-statementsMs [redacted] asked for the fee refundedagain and our employee who manages this email was out of the officeunexpectedI have replied to Ms [redacted] and gave her a courtesy refund of herfee of $and also gave her more options on how she can contact us in thefuture if she doesn't get the response she is looking for.We also apologized for any inconvenience this may have caused Ms [redacted] .If Ms [redacted] would like to discuss this further she can contact me directly atthe number below.Sincerely, [redacted] ***

Revdex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [Provide details of why you are not satisfied with this resolution.] This was my reply to their email.You keep me from paying for domain names.I have an Internet business and you prevented me from doing my business.How is this protecting me?No I do NOT want to depend on this credit union again when it comes to paying for domain names.----[From: PEOPLES ADVANTAGE FCU; 2/29/1:34:PM]-----And I asked in another email if this credit union had blocked me from authorizing my new debit card as well?This credit union always has some excuse for blocking me for using my debit card to purchase somethingThe last time they did this they stopped me from spending $on pizzaI had to defend my last or some charges over the phoneIt seems this credit union believes I can NOT order movie DVDs and music CDs from a corporation that I worked for at the timeAnd when they said they would do something to unblock my debit card so I could use it right away was a lie.So I replied as I did in this case from my bad experience with this credit unionIn short I did NOT believe their promise to turn off the And I ask this credit union again who do you think you are protecting when you prevent me from purchasing what, I myself, want and have ordered? There was NEVER any report of a card being lost or stolen from me Regards, [redacted] ***

RevDex.com: I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. [Provide details of why you are not satisfied with this resolution.] This was my reply to their email. You keep me from paying for 2 domain names.I have an Internet business and you prevented me from doing my business.How is this protecting me?No I do NOT want to depend on this credit union again when it comes to paying for domain names.----[From: PEOPLES ADVANTAGE FCU; 2/29/2016 1:34:27 PM]----- And I asked in another email if this credit union had blocked me from authorizing my new debit card as well?This credit union always has some excuse for blocking me for using my debit card to purchase something. The last time they did this they stopped me from spending $20 on pizza. I had to defend my last 10 or some charges over the phone. It seems this credit union believes I can NOT order movie DVDs and music CDs from a corporation that I worked for at the time. And when they said they would do something to unblock my debit card so I could use it right away was a lie. So I replied as I did in this case from my bad experience with this credit union. In short I did NOT believe their promise to turn off the And I ask this credit union again who do you think you are protecting when you prevent me from purchasing what, I myself, want and have ordered? There was NEVER any report of a card being lost or stolen from me. Regards, [redacted] ***

This letter is in referenced to the letter we received regarding our member [redacted] ***.When [redacted] first attempted his transaction on Saturday 2/27/his transaction was denied because our system was having a connectivity issue and he had reached the daily transaction limitThe second time ** [redacted] attempted the transaction it was declined by our fraud monitoring system [redacted] emailed us and we responded Monday 2/29/and asked him if he would like for us to disable the filer so his transactions would go through and he responded on 3/2/that he did not want us to change the filter.We apologize for any inconvenience this may have caused [redacted] ***If he would like to discuss it further he may contact me directly at the number below.Please let me know if you have any further questions

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

This letter is in referenced to the letter we received regarding
our member *** ***.When ** *** first attempted his transaction on Saturday
2/27/his transaction was denied because our system was having a connectivity
issue and he had reached the daily transaction limitThe second time
** *** attempted
the transaction it was declined by our fraud monitoring system** *** emailed
us and we responded Monday 2/29/and
asked him if he would like for us to disable the filer so his transactions
would go through and he responded on 3/2/that he did not want us to change
the filter.We apologize for any inconvenience this may have caused **
***If he would like to discuss it further he may contact me directly at the
number below.Please let me know if you have any further questions

Dear Representative Revdex.com,* *** * * *** * *** * *** ** ***This letter is in response to the letter we received in our office on February 18,We have fraud monitoring on all of our transactions to protect the creditunion as well as our memberWhen Mr***' charge came
through multipletimes it came in higher than code which prompted our fraud team toblock his card until they were able to contact the member to make sure thecharges we done by Mr***.As Mr*** stated he did speak to our fraud department and verified thatthose transactions were his they unblocked his cardMr*** also called thecredit union and was also told at that time that his card was unblocked.Between the phone calls and our fraud department I believe it was just atiming issue between his last transactions and when they spoke to Mr*** iswhy it was deniedMr***' card is active and has been used since then.We apologize for any inconvenience this may have caused Mr ***.If Mr*** would like to discuss this further he can contact me directly at thenumber below.Sincerely,*** ***

Dear Representative Revdex.com,This letter is in response to the letter we received in our office on April 27,2015. Ms [redacted] had requested we refund a $3.00 paper statement fee. Ouremployee gave Ms [redacted] direction on how to avoid the fee in the future and todo so was to sign up for e-statements. Ms...

[redacted] asked for the fee refundedagain and our employee who manages this email was out of the officeunexpected. I have replied to Ms [redacted] and gave her a courtesy refund of herfee of $3.00 and also gave her more options on how she can contact us in thefuture if she doesn't get the response she is looking for.We also apologized for any inconvenience this may have caused Ms. [redacted].If Ms [redacted] would like to discuss this further she can contact me directly atthe number below.Sincerely,[redacted]

This letter is in referenced to the letter we received regarding
our member [redacted].When [redacted] first attempted his transaction on Saturday
2/27/16 his transaction was denied because our system was having a connectivity
issue and he had reached the daily transaction limit. The second time **...

[redacted] attempted
the transaction it was declined by our fraud monitoring system. [redacted] emailed
us and we responded Monday  2/29/16 and
asked him if he would like for us to disable the filer so his transactions
would go through and he responded on 3/2/16 that he did not want us to change
the filter.We apologize for any inconvenience this may have caused **
[redacted]. If he would like to discuss it further he may contact me directly at the
number below.Please let me know if you have any further questions.

Dear Representative Revdex.com,This letter is in response to the letter we received in our office on April 27,2015. Ms [redacted] had requested we refund a $3.00 paper statement fee. Ouremployee gave Ms [redacted] direction on how to avoid the fee in the future and todo so was to sign up for...

e-statements. Ms [redacted] asked for the fee refundedagain and our employee who manages this email was out of the officeunexpected. I have replied to Ms [redacted] and gave her a courtesy refund of herfee of $3.00 and also gave her more options on how she can contact us in thefuture if she doesn't get the response she is looking for.We also apologized for any inconvenience this may have caused Ms. [redacted].If Ms [redacted] would like to discuss this further she can contact me directly atthe number below.Sincerely,[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.] 
This was my reply to their email.
You keep me from paying for 2 domain names.I have an Internet business and you prevented me from doing my business.How is this protecting me?No I do NOT want to depend on this credit union again when it comes to paying for domain names.----[From: PEOPLES ADVANTAGE FCU; 2/29/2016 1:34:27 PM]-----
And I asked in another email if this credit union had blocked me from authorizing my new debit card as well?This credit union always has some excuse for blocking me for using my debit card to purchase something. The last time they did this they stopped me from spending $20 on pizza. I had to defend my last 10 or some charges over the phone. It seems this credit union believes I can NOT order movie DVDs and music CDs from a corporation that I worked for at the time. And when they said they would do something to unblock my debit card so I could use it right away was a lie.
So I replied as I did in this case from my bad experience with this credit union. In short I did NOT believe their promise to turn off the 
And I ask this credit union again who do you think you are protecting when you prevent me from purchasing what, I myself, want and have ordered? There was NEVER any report of a card being lost or stolen from me.
Regards,
[redacted]

[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.]
Better Business...

Bureau:
I have reviewed the offer made by the business in reference to complaint ID [redacted], 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,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.] 
This was my reply to their email.You keep me from paying for 2 domain names.I have an Internet business and you prevented me from doing my business.How is this protecting me?No I do NOT want to depend on this credit union again when it comes to paying for domain names.----[From: PEOPLES ADVANTAGE FCU; 2/29/2016 1:34:27 PM]-----And I asked in another email if this credit union had blocked me from authorizing my new debit card as well?This credit union always has some excuse for blocking me for using my debit card to purchase something. The last time they did this they stopped me from spending $20 on pizza. I had to defend my last 10 or some charges over the phone. It seems this credit union believes I can NOT order movie DVDs and music CDs from a corporation that I worked for at the time. And when they said they would do something to unblock my debit card so I could use it right away was a lie.So I replied as I did in this case from my bad experience with this credit union. In short I did NOT believe their promise to turn off the And I ask this credit union again who do you think you are protecting when you prevent me from purchasing what, I myself, want and have ordered? There was NEVER any report of a card being lost or stolen from me.
Regards,
[redacted]

Revdex.com spoke with the business. At this time the customer has been contacted directly by the business to resolve this concern.

About one year ago I applied for a consolidation loan through Peoples Advantage Federal Credit Union and after waiting almost 2 months, today Shawn tells me after numerous phone calls, emails, and in person questioning why it was taking so long , no. I was told that my insecure debt was too high for my income. I make 185,000 annually and my insecure debt is about 53,000. The representative Shawn told me that in order to be approved I would have to pay down my unsecured debt. Well 4 months ago I purchased my first home and after paying for a home inspection I still ran into electrical issues, plumbing issues, as well as Hvac issues that put me into paying out over $25,000 in repairs and I STILL have no heat in my home with temperatures as low as 20 degrees nightly. I have been with People Adv for well over 4 years and have never been late on a payment and have paid off multiple lines of credit and Purchases. Not to mention that every line item per my credit report shows pays as agreed never late. Real life happens and because I operate a nonprofit organization as well as the standing issues with my home, I'm simply asking to consolidate to pay off faster some unsecured items so I may address heating situation in my home. If I could transfer my vehicles to another lien holder I would close out all of my accounts which always have a available balance of atleast $5000 since its customers money that keep them afloat. I'm totally disappointed because it does not take 2 months to give a supposedly valued customer a NO. Especially a customer who has a proven excellent payment history. The excuses this credit union gives you are absolutely obscure. I was told by Shawn that he had nothing to do with the loan but rather another loan officer who has been out of work for a week. Am I to believe that they do not have an effective program in place to process loans in an acceptable time frame if one officer is out of work for one week? What happened the other 7 weeks I was waiting? From here forward I will keep my accounts at minimum because if I cannot depend on them to help me when I have a serious need, then I certainly do not want them to make money off of lending my money to others. Totally disappointed in this place.

Review: I was in a chat session with [redacted] and asked to renew 2 domains.

Someone or some software renewed 2 domain that I did NOT want renewed until this April and did NOT renew the 2 domain names I asked to be renewed.

I charged my phone and called [redacted] about 30 minutes later and asked the money I was charged to be refunded and that the 2 domain names I needed renewed by renewed.

When the person I talked to tried to charge $108.34 to my debit card, the card was declined.

So I was not able to pay for the renewal of the domain names I needed to be renewed.Desired Settlement: I am very tired of this credit union declining my purchase for something I need. This time I had about $130 in my account, which is enough to cover $108.34.

The last time this happened the credit union prevented me from charging about $20 to get pizza sent to my residence when I had about $600 in my account.

So I want to know from this credit union exactly who they think they are protecting when they decline my purchase for something I myself am ordering?

Business

Response:

This letter is in referenced to the letter we received regarding

our member [redacted].When [redacted] first attempted his transaction on Saturday

2/27/16 his transaction was denied because our system was having a connectivity

issue and he had reached the daily transaction limit. The second time [redacted] attempted

the transaction it was declined by our fraud monitoring system. [redacted] emailed

us and we responded Monday 2/29/16 and

asked him if he would like for us to disable the filer so his transactions

would go through and he responded on 3/2/16 that he did not want us to change

the filter.We apologize for any inconvenience this may have caused **

[redacted]. If he would like to discuss it further he may contact me directly at the

number below.Please let me know if you have any further questions.

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

This was my reply to their email.

Review: This morning I went to [redacted] to order a pizza delivery.

The website would not accept my debit card for payment for the order.

I also got a phone call from this number on my cell phone.

02/12/2015 - 11:50 AM [redacted]

I called this number back to see who they were, because I did not recognized the number.

I did not believe what I was told about a fraud alert on my debit card, so I hang up on them.

I called my credit union.

02/12/2015 - 11:55 AM [redacted] Then I called them back.

02/12/2015 - 12:03 PM [redacted]

I called [redacted] to see if I could get my delivery order. I was told that the pizza special on the website was over. So I ordered something different. And I was told that my card was declined.

02/12/2015 - 12:12 PM [redacted]

I hung up on them and called the[redacted] number again and I called my credit union.

02/12/2015 - 02:15 PM [redacted] 02/12/2015 - 01:26 PM [redacted] 02/12/2015 - 01:25 PM [redacted]

02/12/2015 - 12:39 PM [redacted]

As far as I know my card is still blocked no matter what I am told over the phone.Desired Settlement: My debit card is blocked for some reason.

I was trying to order a pizza online with [redacted] when I first found out that my card will be declined if I try to use it.

I want my debit card to be unblocked so I can use it.

It is NOT helping me to keep me from ordering food online.

Business

Response:

Dear Representative Revdex.com,[redacted]This letter is in response to the letter we received in our office on February 18,2015. We have fraud monitoring on all of our transactions to protect the creditunion as well as our member. When Mr. [redacted]' charge came through multipletimes it came in higher than normal code which prompted our fraud team toblock his card until they were able to contact the member to make sure thecharges we done by Mr. [redacted].As Mr. [redacted] stated he did speak to our fraud department and verified thatthose transactions were his they unblocked his card. Mr. [redacted] also called thecredit union and was also told at that time that his card was unblocked.Between the phone calls and our fraud department I believe it was just atiming issue between his last transactions and when they spoke to Mr. [redacted] iswhy it was denied. Mr. [redacted]' card is active and has been used since then.We apologize for any inconvenience this may have caused Mr . [redacted].If Mr. [redacted] would like to discuss this further he can contact me directly at thenumber below.Sincerely,[redacted]

Review: I recently opened up an account with Peoples Advantage and was informed to sign up for e-statements to avoid a $3.00 fee which I did. I received a paper statement in mail and therefore decided to check my account. I was charged a $3.00 fee for this service. I e-mailed Peoples on 4/18/2015 to ask why I was charged this fee and was informed by a [redacted] that there was a mistake on their part and a step was missing and it seemed that I was enrolled for e-statement but actually was not. I then e-mailed Ms. [redacted] back and asked her to be reimbursed for this $3.00 fee because it was not my fault. I did what I was supposed to do which was enroll. As of this date, 4/24/2015, I have yet to hear a response back from Ms. [redacted] concerning this issue.Desired Settlement: I would like my account to be credited for the $3.00 effective immediately. I would like to be assured by Peoples Advantage that I will not incur any additional fees regarding to this issue - in other words I would to know that I am currently enrolled in e-statements. Don't get it twisted it really isn't about the $3.00 but it is the principal of the matter.

Business

Response:

Dear Representative Revdex.com,This letter is in response to the letter we received in our office on April 27,2015. Ms [redacted] had requested we refund a $3.00 paper statement fee. Ouremployee gave Ms [redacted] direction on how to avoid the fee in the future and todo so was to sign up for e-statements. Ms [redacted] asked for the fee refundedagain and our employee who manages this email was out of the officeunexpected. I have replied to Ms [redacted] and gave her a courtesy refund of herfee of $3.00 and also gave her more options on how she can contact us in thefuture if she doesn't get the response she is looking for.We also apologized for any inconvenience this may have caused Ms. [redacted].If Ms [redacted] would like to discuss this further she can contact me directly atthe number below.Sincerely,[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], 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,