Thompson and De Leef, Attorneys at Law

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. I have spoken on the phone with the business and have agreed on a solution. I am currently waiting for the business to refund my fees and close my account.
However, there are a few matter I would like to clarify. The response mentioned that I never logged in the new system and thus did not see the new fees enacted, making it seems like the oversight was due to my inaction. The reason I did not log into the new system was because I could not as I noted in my original complaint. "To gain access to the new system, IUCU members have to either visit a branch location or have an access code mailed to them. I moved to the state of Washington in December 2006 and thus render visits to any branch locations unfeasible. Having the access code mailed to me was also problematic due to my move and thus change of address. I called IUCU and answered all the security questions in an attempt to either set up my online banking or change my address. However I was informed that they couldn’t provide me with the access code to set up online banking, nor would they set up online banking for me over the phone. Furthermore, they informed me that I could not change my address over the phone and have to send them a mail with my social security number and a request to change my address. I was also informed that mail sent to my old address would not be forwarded to my new address. Due to security concerns I would not send a mail with my social security number and banking information. Thus present a conundrum – I could not set up my online banking to regain access to my account without a change to my address. However, I could not change my address without regaining access to my account or compromising my security by sending a mail with my social security number and banking information."
Furthermore, regarding the overdraft fees, we have resolved the matter and I am receiving a refund for it, so I am personally satisfied with the resolution for me. To make sure this doesn't become an issue for other customers or IUCU in the future, I would like to point out I believe the financial institutions is required to ask its customers to opt into its overdraft program, and I don't believe I received a requests to opt into the program when the law was enacted. 
Regards,
[redacted]

This letter is in regard to the complaint filed on February 3, 2015 by [redacted] concerning inactive account fees, an overdraft fee and concerns about updating the mailing address on the...

account.
We have looked into Mr. [redacted]'s concerns and indeed he has been assessed inactive account fees since November 2013 as well as an overdraft fee in January 2015.
In our October 2013 newsletter, which was sent to each member with their September 2013 account statement, we announced new and revised fees that would take effect November 15, 2013. One of the fees that was revised was our inactive account fee. A $5 fee is assessed to any account that is inactive for 6 months with a cumulative balance of less than $500 and no active loans, IRAs or certificates. A copy of the newsletter is attached.
Since Mr. [redacted]'s account had less than $500 and no activity for the prior six months, the monthly $5 inactive fees began November 30, 2013 and has been assessed each month since then.
Our records do show that Mr. [redacted] is signed up for eStatements so his statement along with the newsletter referenced above was only accessible via our eStatement portal through Online Banking.
In 2011, we converted to a new Online Banking system. Members were required to establish a new username and password during their first log in. Our records indicate the Mr. [redacted] never logged into the new system, which means that he was not aware of the fee change referenced above.
I spoke with Mr. [redacted] today via phone and resolved his concerns.
If you have any additional questions concerning this issue, please do not hesitate to contact me at 812-855­7823 ext. [redacted].
                    Sincerely,
                    Lori [redacted]
                    Assistant Vice President
                    Member Service Support