Roto Rooter Plumbing & Drain Services

Dear Member: The payment for your water bill was set up through our bill payment system on October 21st to actually pay on November 15th. The payment was sent in the form of a check and when the check arrived for payment on November 17th you did not have adequate funds to pay this item. The water company (or their bank) made the decision to re-run the check. That is well within their rights to do so. The check belongs to them and since it didn't pay during the first attempt they can either re-run it or contact you to make other payment arrangements. We are not consulted either way, but are required to pay the item when presented unless you have placed a stop payment on the item. I am sorry they informed you that it was a credit union error because it was not. As stated in our original response, we sympathize with your current financial situation and have refunded fees in the past as a courtesy. We just cannot continue refunding fees unless we actually make the error. Good luck to you and we sincerely hope your financial situation improves in the near future

Complaint: ***
I am rejecting this response because: This business doesn't provide any solutionsI did not charge $25,right after I opened these accountsI legitimately lost my card and told this to the representative when I claimed fraudYou continue to black mail me by saying I should pay $each card payment being charged almost $each month in "interest charges" then you claim I'm revoked access because of past actionsYou have sent me letters before which state that because I have filed a dispute with the NCUA before that I wouldn't be allowed to see my accountsI have proof of this letterI save all of your documents that you black mail me onYou have not even attempted to work on a resolution or a payment planYour credit union is horrible, the customer service is horrible and I will not pay $each card as a minimum payment when my cards were lostYou should really consider that consumers are what make up your business and for you to treat consumers like they are nothing then your business will failIf you'd like to see any of he statements and or letters sent from RBFCU please let me knowDo not buy from this business because once your in they will screw around with your money and accounts
Regards,
*** ***

Dear Member:The account you are inquiring about was negative $-already before checks ***, *** and *** tried to clear. Since there were no funds or overdraft available to cover these checks a fee was charged as per our Membership Agreement. Your deposit can be received by us in a file format (no funds at that time) several days before it is actually posted and it will show as "pending" during that time. Those funds are not available for you to spend until it no longer shows as pending. Some employers send us a file saying that they plan to post their payroll on such and such a day, but we do not actually receive the payroll deposit until the date your employer specifies. We do not post the deposit until we receive the funds At that time, we make it available (no longer pending) first thing that morning. We sympathize with your situation and would like to refund five of the nine fees as a one time courtesy. $will be credited to your account today. Thank you

In response to *** *** she is correct. She did not sign the contract. In fact,her husband signed the contract. When our technician stated he was using a power snake she *** *** posed the question if the pipes would be damaged. At this point our technician explained to both her and her husband *** *** that he is not responsible for the integrity of the pipes he cannot see. *** *** is also correct that she deferred signature of the contract to her husband who signed the contract authorizing work to be completed and again signed upon completion.. Our technician did not perform his work in a negligent or incompetent manner. Our technician used a 1/cable that is used on all shower/tub drains. It is Roto-Rooters belief that the drain trap had an existing issue prior to us snaking the line

An account review determined all fees were assessed correctlyRBFCU can reconcile the members account; a fee of $per hour fee appliesIf the reconciliation reflects the account balance is true and correct; the member is responsible for the applicable feeThe member is responsible for promptly
examining each account statement monthlyAny objection to transactions must be reported to the credit union prior to the 33rd day after the receipt of the statementIf the member does not dispute or object to any account transactions, RBFCU will not be liable for any errors or discrepancies if a notice isn’t provided(Membership and Account Agreement, pg 10, sect 2) The member requested the Asset Protection Department representative look back to December RBFCU employees have access to a current and prior month running balance and therefore, the information the member requested was not availableCourtesy Pay (CP) fees are charged when there are not sufficient funds in the account to pay the itemPer payment authorization, the member will ensure the account contains sufficient available funds at all times to pay each of the transactions(Membership and Account Agreement, pg 7, sect1) Our records reflect the member has been explained how the process works and has been refunded fees in the pastFees will no longer be refunded unless it’s determined there was a credit union errorThe member is responsible in maintaining sufficient funds in the account at all times in order to pay a withdrawAll checks and debits are processed in order of arrival sequence throughout the day(Membership and Account Agreement, pg 7, sect & pg 9, sect 10) The members account is subject to certain fees and charges set by the Fee ScheduleThe member agrees to pay all such fees and chargesRBFCU may debit the account, without notice to the member, for all charges and fees we impose(Membership and Account Agreement, pg 11, sect 15) Per Regulation D, transfer limitations apply to savings and money market accounts(Membership and Account Agreement, Electronic Fund Transfer Agreement and Disclosures, pg 15, sect 2) RBFCU Membership Disclosures are available at www.rbfcu.orgWe recommend the member read the membership and account agreement in full for additional informationThe agreement is not limited to the above information

Complaint: ***
I am rejecting this response because:You SHOULD have declined the transaction I'd have actually preferred that in this case Since it wasn't authorized by me, it would have saved me a lot of trouble since I didn't elect to receive those services from the vendor (which they took care of immediately unlike RBFCU), which caused the transaction that you're cherry-picking to be slightly over the amount paid You don't seem to follow that it was the unauthorized *** transactions to *** that caused the entire issue They weren't requested or authorized by me as I'd canceled renewal for those services, but you are attempting to overlook those and use my car payment, which would have never been an issue had my bank declined the prior two unauthorized transactions.If you continue to refuse this, I'll have to continue on with complaints to the Federal Reserve in Dallas, FDIC, and ABA
Regards,
*** ***

Dear Member: Hello. I will address each subject in the Revdex.com complaint one by oneYou asked that we refund all late fees that were promised to you. The fees in question were refunded (as a courtesy) as follows: $refunded on 2/24/for fees charged in January and February
for the card ending in 1234$refunded on 2/24/for fees charged in February for the card ending in 5709These fees were refunded as a courtesy because you stated you were unable to see your statement.At that same time we changed your statements to start arriving by mail so you would have no problem making your paymentsThe fact that your payments continue to be late (March and April) resulted in the charging of a late fee for each monthThe reason your payments are so high is because you are so far behind on making your payments. Interest, late fees, plus each monthly Payment Due accumulate and have caused the Amount Due to be over $1,000. Once you bring your payments current, you will automatically see a drop in your Payment Due. The credit bureau records cannot be altered since your payments are truly delinquent; once they are current again the credit bureau will reflect that.Your calls are going to one Manager because of all the complaints you continue to file. The Manager keeps very detailed records and has tried to contact you on numerous occasions to which she states she has never received a call back. When you call her please leave a message and she will get back to you.You stated that we closed your Savings and Checking accounts. That is incorrect. Both accounts are still open but have very low balances. We reviewed your account activity, from January to present, and all the money you deposited was used for transactions requested by you (ACH payments to Discover, etc.)It has not been determined whether your access to NetBranch will be reinstated. The Manager overviewing your account will have that information for you within a week.I hope this answers all the questions contained in the Revdex.com Complaint. Thank you

Tell us why Dear Member,Thank you for the reply. Per your request, I have followed up with our NetBranch Services Department and do not show any of your eDeposits have been deleted except the one you deposited on 7/to the personal account. When the deposit was made on 7/15/17, it stated on the deposit screen that the deposit was held for review. Once we reviewed it and weren’t able to process it to the account, it was deleted and an email was sent to the email address on file for that account stating the deposit couldn’t be accepted because it was made payable to a business and cannot be deposited to a personal account. We do show you attempted to make a deposit to your personal checking account on 7/in the amount of $779.00. The negative balances and fees did not get assessed to the personal account; these were on your business account which no attempt for a deposit was made. If the check on 7/was deposited to the business checking account instead of the personal account and was accepted, it would not have been enough to cover the fees that were charged. At the time this deposit was made, your business checking account was negative -$1,331.08. If this deposit was made to the business account, you would still be negative -$552.08. The fees will not be refunded as Courtesy Pay paid the items on the account as it should. Please let us know if you have any further questions.Thanks here

Complaint: ***
I am rejecting this response because: yall didn't get my point in tired of yall doing maintenance work on the websiteif yall weren't doing that at the time I could of put more money in a head of time from my other bank acountI couldn't view my acount so I didn't know how much I had in that accountI have more then $in my accounts all the time and in the past even higherI felt like I was a valued member to randolph brooksI am not feeling valued with this and I may just go somewhere else with my money.
Regards,
*** ***

Dear Member:Thank you for allowing us to respond to your concerns regarding the $24 insufficient fund fee.Yes, it is correct that we do not refund fees - this policy is fair and consistent for all of our members. We do, however, refund if you were a victim of
fraud or if the vendor (or credit union) made an error. You will just need to provide a letter from the vendor stating that they made an error and the letter should include contact information. The credit union offers free overdraft protection from savings and/or a line of creditThere is no charge to use these services and they will prevent overdraft fees from being charged. The line of credit will accrue interest charges only when used. You must apply for this loan product. The savings account transfers at no cost to you (up to six times a month) if there are adequate funds in the account.We also offer Courtesy Pay for those unexpected miscalculations or overspending, but it is not intended for day to day expenditures. There is an agreed on $fee if this service is used. The credit union works to maintain some of the lowest fees in the area. We do consider you a valued member and appreciate your membership!

Complaint: ***
I am rejecting this response because:
Regards,
*** ***

Complaint: ***
I am rejecting this response because: I have NOT received a bill with break down of the charges During the conversation that the representative from Roto Rooter talks about which occurred around the 16th of September, he also promised me a breakdown of the bill He said he was going to change the bill to state over feet I told him he couldn't change the write up after the fact I'm still waiting for that copy too I also know that if any sales tax is involved it should be separately stated on the billHow else will the company know what sales tax was collected from customers and owed to the state? I am going to scan my bill from Roto rooter as well as the estimate from the other plumber detailing the length of my pipes to the road They were giving me an estimate to line the pipes so the longer they are the more they get paidThey still have them measured at under feet It seems as though this can't be resolved, would the next step be the Attorney General?
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:
When I applied for a checking account with RBFCU I did not consent to have a hard inquiry on my credit reportI consented to apply for a bank accountThe hard inquiry was completed, however, I did not interpret the language to be that of granting a hard inquiry on my credit reportThere was no errorThe hard inquiry was completedAgain, I did not consent to it, or else I would not have applied for a bank accountThe vague language on the application does not change anythingIt was deceptive and unclear.You are using deceptive practices and doublespeak in your response to mask what was doneI understand the magnitude of what a hard inquiry can do to a persons credit report and I am inquiry sensitive, only allowing them when absolutely necessaryNever in my life has a hard inquiry been conducted on my credit report to open a checking accountI would never allow it.Once again, I am asking you to provide a simple letter to provide to *** so that the hard inquiry can be removed from my credit report, as I did not consent to it, despite you taking the action of doing soIf you are unable to comply with this reasonable request, I will have to take further actionI refuse to be taken advantage of
Regards,
*** ***

Complaint: ***
I am rejecting this response because: Not all of my concerns have been addressed, however I appreciate that finally after writing the CEO of RBFCU, someone from the Loan Dept has been working on trying to correct the over five errors made while processing my application and getting me the loan I originally desired I would like to thank Ms*** *** (sp?), of the Loan Dept for working on this, but as I told her, if this happens to me (this many errors), and seeing the large amount of complaints against this CU on this and other sites, how many other people, customers is it happening to?On the l-queue, one time I was told that there were no supervisors or managers who would speak to me, sometimes they would leave messages with no return phone code or extension left and then one time when I tried to return Ms *** phone call, on that message she did not leave me an extension, the l-Customer Service rep said I was not entitled to it I then had to call back the 1-number and wait in line to be talked to, then ask for a supervisor who gave me her number If I had the name and title of the person I wanted to talk to, why wouldn't they give me their extension number.The only way I got any action on this loan (and I had excellent credit, and could have paid off the loan with cash anyway was to appeal to higher ups, since loan reps continually told me that I couldn't change the improper loan, and since it wasn't finalized why they did the things they did to me If they did it to me, how many others do they do it to?I do give credit to the local *** *** *** *** *** *** ** *** ** ** *** *** *** *** *** *** *** *** *** ** ***
*** ***

Complaint: ***
I am rejecting this response because:Again you have it wrong. The three purchases you mentioned happened on Saturday, July 30th not Friday, July 29th. There is no way I could have had an “available balance” less than the purchase submitted on Saturday morning that totaled $5.62! Did you even read my statement? If your require proof you can look at the account. The available balance only went negative on Saturday afternoon with the purchase at Discount Tires. I have receipts if you require them. I will be checking my account for any other "mistakes" before I send my complaint on to those regulators you mentioned. In the mean time I will close my account tomorrow. Believe me, you have not heard the last from me!PS I have made copies of your records in case you have a mind to change the dates
Regards,
*** ***

Complaint: ***
I am rejecting this response because: it is not my fault two banks can't work out on who should send the title back or who should send the money back they will not agree on terms with each otherSo both banks are in a stalemate with each otherI tried to be the third party mediatorBy getting both to agree on termsEach time doing a three way callOnce I get them to agree and I get off the phone with themBoth banks are not agreeing any more on who should send the title back first or who should send the cash firstI shouldn't have to be the adult getting both banks to work it outWhen as businesses they should have the abilities to resolve the matters with out hurting the customer because they can't agree with each otherI have tried since February when I realized the dealerships mistakesBut no they refused to listen to meAnd processed the loan any way even after I warned them of the vehicleNow the banks are not agreeing putting it on me turning this into a repossession
Regards,
*** ***

Dear member, Thank you for allowing us to respond to your concerns. We spoke on the phone and your concerns were noted. We apologize for any miss communication or miss understanding that may have occurred during the account opening process. Per your request, the funds have
been released and your accounts closed. We value your feedback and are sorry that you have decided to close your accounts. If you decide later that you have the need for an account, we welcome your membership

After talking to the owner he is willing to credit $150.00. Again we have flat rate pricing we do not charge by the hour. Any breakdown would be for parts for the job. I can say our technician was out originally to disconnect everything he was on site for approximately minutesWhen he returned he was on site for 2hrs 45min

On 2-16-we sent a technician to * *** *** *** *** *** for a possible frozen pipe. Our technician arrived and inspected the pipes and could not find a frozen pipe. Our Technician charged a service fee of which is our diagnostic charge for frozen
pipes. *** *** paid the diagnostic charge but insisted that he was quoted for a diagnostic charge. On 2-23-*** *** called again stating the pipe is frozen. We again sent out a technican and he infact found a frozen pipe in a crawl space. *** *** was given a price and the technician completeded the work. I did speak with Ivelise who took the original call and she stated that she did quote *** *** a diagnostic charge of instead of a $our diagnostic charge for frozen pipes. I know *** *** is requesting a full refund of the $but our technician was onsite for an hour inspecting pipes. When we returned the second time we did not charge a diagnostic charge just the cost of the job. We are going to refund the differance of what he was quoted and what he paid $100.00. We will send out the check by weeks end
Chris

Complaint: ***
I am rejecting this response because:I shouldn't have to get the merchant who attempted to fraudulently charge my account to write you a letter saying it wasn't me.especially when the ask is for you to overturn NSF fees associated with a charge that did not clear
Regards,
*** ***