Smart Financial Credit Union

*** [redacted] account was corrected and no fees were charged The ATM and Telephone system were investigated for any issues causing this problem for [redacted] We determined that the system was in working order We apologize for any inconvenience this may have caused for *** [redacted] .Sincerely,Loretta [redacted]

Since I am dependent on Social Security benefits to make payments, the $payment will need to begin March 3, Medical co-pays and Insurance Co- insurance payments for chemo and radiation treatments have exhausted the funds for FebruaryMy plate is full right now so I appreciate you not taking it off the tableThank you Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me

** [redacted] needs to pay the overdraft amount There are options: Pays in full Make consistent payments of a minimum of $per month By law, the [redacted] rules, we are required to charge off an account at days of overdraft ** [redacted] will need to make those payments directly to the branch or she may call the call center and have the representative transfer the funds for her to the charged off account If ** [redacted] rejects the above options, we will give her days to move her direct deposit and we will have no choice but to close her accounts Our Bylaws do not allow membership if we have suffered a financial loss [redacted] Wolsey VP-Risk Management/Compliance

Revdex.com:I have reviewed the response made by the business in reference to complaint ID 10327104, and find that this resolution would be satisfactory to me Smart Financial has made it impossible and difficult to open another account with another financial institutionIn an effect to keep other obligations separate, I will be making the payments in the branchpayoff the account I'm not comfortable relying the call center posting it accurately

Ms***,
Prior to the closure of your accounts, it was determined the Disability Insurance payment for your loan does not come into the savings or checking account, but directly to the loan. None of your disability insurance payments will be delayed due the closure of your
accounts.
With regards to your other issue, we are closing your accounts due to the charged off account. You currently owe the credit union $640.22. Every effort has been made to try and work with you for payments to this balance. This is the 2nd complaint to the Revdex.com. You have also complained to the Texas Credit Union times. Each time you have accused us of something different. Going forward, if you require any further correspondence, it will be from our attorneys
Sincerely,
*** ***
*** ***

Ms***,
I will honor the agreement to repay the $owed to us. You have not attempted to make any payments to the balance. If you wish to pay it off, you can begin making $a month payments by or in the branch towards the balance owed. I have never taken the agreement for the $per month off the table. We cannot take the payments from your accounts and apply to the charged off amount. As it has been explained, our system will not allow it. If the computer system would do it, we would have. Please make the payments when you can during the month
Sincerely,
*** ***

In response to complaint [redacted],We apologize for the delay in responding.  Due to the issue regarding the complaint originating in 2008, we have had to conduct extensive research involving archived documents.Although we have determined that we did send the proper notification of the...

inactivity fee, we will be contacting our member to refund his $5 fee.Please let me know if you require any additonal information to resolve this matter.Thank you,Susan C[redacted]

**. [redacted] needs to pay the overdraft amount.  There are 3 options:
1.  Pays in full
2. Make consistent payments of a minimum of $30.00 per month.  By law, the [redacted] rules, we are required to charge off an account at 60 days of overdraft.  **. [redacted] will need to make those payments directly to the branch or she may call the call center and have the representative transfer the funds for her to the charged off account.
3.  If **. [redacted] rejects the above options, we will give her 30 days to move her direct deposit and we will have no choice but to close her accounts.  Our Bylaws do not allow membership if we have suffered a financial loss.
[redacted] Wolsey
VP-Risk Management/Compliance

[redacted] [redacted] account was corrected and no fees were charged.  The ATM and Telephone system were investigated for any issues causing this problem for [redacted].  We determined that the system was in working order.  We apologize for any inconvenience this may have caused for [redacted]...

[redacted].Sincerely,Loretta [redacted]

Since I am dependent  on Social Security benefits to make payments, the $30.00 payment will need to begin March 3, 2015. Medical co-pays and Insurance Co- insurance payments for chemo and radiation treatments have exhausted the funds for February. My plate is full right now so I appreciate you not taking it off the table. Thank you Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.

In response to complaint #10327104.  **. [redacted] also recently filed a complaint with the [redacted] regarding her overdrawn account that was charged off in June 2014.  Please find the attached letter to the [redacted] sent by our VP of Risk...

Management/Compliance.  It contains the details of what Smart Financial [redacted] has agreed to do to help **. [redacted] repaythe charged off funds.  Please let us know if you have any further questions. Thank you, [redacted]VP Marketing Strategy/CMO

Revdex.com:I have reviewed the response made by the business in reference to complaint ID 10327104, and find that this resolution would be satisfactory to me.  Smart Financial has made it impossible and difficult to open another account with another financial institution. In an effect to keep other obligations separate, I will be making the payments in the branch. payoff the account.  I'm not comfortable relying the call center posting it accurately.