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Unitus Community Credit Union

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Unitus Community Credit Union Reviews (9)

July 8, [redacted] Logan, UT Dear Ms [redacted] , The complaint that you registered with the Revdex.com was forwarded to my attention on Monday, June 27th I have reviewed our records in order to respond to you directly A copy of this response will be submitted to the Revdex.com I want to first apologize for the concern and inconvenience that this scam has caused I can certainly understand your frustration; my research uncovered the multiple items you reference Our records indicate that you have contacted Unitus a number of times to discuss these items dating back to May 16th of The items in question were deposited to your Unitus account on May 5th of A standard hold was placed at the time of deposit and a notice of the hold was provided Between May 6th and May 12th the funds were withdrawn by you from the account On May 12th Unitus received a notice that the item was being returned unpaid due to “Closed Account” At this time you were notified of the returned item and the account was frozen pending a resolution Unitus processes hundreds of thousands of transactions each month on behalf of our members Like any other credit union or bank, we do not have the ability to ensure that funds are collected until it has cleared the financial institution that the funds were drawn on For this reason we detail out information regarding funds availability and deposits in our “Membership and Account Agreement” which was provided at the time you opened your account and available online athttps://www.unitusccu.com/assets/uploads/membership-account-agreement.pdf In Section we call out this situation which is included below from the agreement You agree not to deposit any substitute check or similar item that you have created, or one which no financial institution has providedYou agree to indemnify and hold harmless the Credit Union for all losses the Credit Union incurs in connection with the substitute check or item The Credit Union reserves the right for any reason to refuse a deposit or to return all or any part thereofItems that are not accepted will be withdrawn from your account and returned to youIf there are insufficient or unavailable funds in your account to withdraw the full amount of the item, your account may be overdrawn resulting in a negative balance While these occurrences are rare, we understand the impact that they can have on our member In reviewing the calls to our team, there were several examples of disrespectful behavior towards our staff To help relieve this tension and work towards resolution on your behalf, we were able to work through issues with Michael as an authorized representative As a result we have worked on a reasonable payment plan to allow the funds to be repaid over time Unfortunately as a member-owned, not-for-profit cooperative we can’t have our member owners absorb the cost of the item being returned after you received benefit of the fundsWe work to respond quickly on behalf of our member to minimize the impact and, when appropriate assist Hopefully this helps provide an explanationI have provided my contact information below if you would like to discuss this further or if there is any additional information I can provide Sincerely, Brian A [redacted] Vice President, Member Services Unitus Community Credit Union [redacted] @unituccu.com (503) 423-

Complaint: [redacted] I am rejecting this response because: I should not be responsible for the full amount, as I was not aware of the policiesSincerely, [redacted]

December 23, 2015*** *** ** *** *** ** ***Dear Ms***,The complaint that you registered with the Revdex.com was forwarded to my attention on Thursday, December 10th I have reviewed our records in order to respond to you directly A copy of this
response will be submitted to the Revdex.com.I want to first apologize for the concern and inconvenience this situation has caused you I can certainly understand your frustration Our records indicate that you have contacted Unitus in November to discuss a late fee In reviewing the conversation our contact center manager agreed to reverse the fee and the fee has since been reversed and your account has been reimbursed Regarding the removal of the co-signor on your accounts, Michael H*** our Regional Branch Manager contacted you on December 15th He discussed the best options to remove the co-signor On December 16th our *** Branch Manager sent out paperwork to help expedite the process As soon as we receive the appropriate paperwork we will complete this process As of the writing of this letter that had not been fully complete, however we will continue to follow up to ensure it is completed Hopefully this helps provide an explanationI have provided my contact information below if you would like to discuss this further or if there is any additional information I can provide.Sincerely, Brian A***Vice President, Member ServicesUnitus Community Credit Union***@unituccu.com(*** ***

Mr. [redacted],Your complaint to the Revdex.com was forwarded to my attention. I have reviewed the situation so I can respond directly to you and the Revdex.com.The $300 in charges that you reference in your complaint was a portion of total fees that were the result of 23...

overdrafts on your account. These overdrafts were the result of depositing several checks with insufficient funds that were returned. As a result of those checks you deposited being returned, you did not have sufficient funds to cover the purchases you made within your Unitus accounts. These charges were not the result of a Unitus error. While branch management did not honor your request to have all of these fees waived, it did waive 3 of the non-sufficient fund fees as a courtesy.The reason your account was closed by Unitus was not due to the complaint you made to our management. Rather, your accounts were closed when we realized that you were floating funds between your two Unitus accounts in an attempt to cover charges and payments coming out of your business account. On September 21st you wrote and deposited a check for $2,750 from your personal account at Unitus via the ATM into your business account at Unitus. It appears that this was done in order to cover a $7,514 check you had written off of your Unitus business account to a third party. There was insufficient funds in your personal account to cover the $2,750 check you wrote.In some cases, attempting to take advantage of the ‘float’ between when the account is credited and when the check clears is unintentional and accidental and can result in overdraft and non-sufficient fund (NSF) fees. However, the account holder is responsible for knowing their account balances and if a check they write will clear. In other cases if taking advantage of the ‘float’ is intentional, it is called check kiting, which is a form of fraud. Our records indicate that on June 19th, our staff warned you about check floating between your Unitus accounts and that any further issues could result in the closure of your accounts. Unitus closed your account due to the repeated NSF activity and the risk to our membership of your floating funds between your accounts at Unitus.Sincerely,Jason W.Chief Operating OfficerUnitus Community [redacted]

Hello [redacted], thank you for the conversation today.  Per our conversation we are not able to change the response to this members complaint.  Our original response would still be valid and we have had frequent communications with this member.  Please send me a confirmation that this has been received and will be closed out by Revdex.com. 
 
Please let me know if you have any further questions.
 
Thank you,
 
Brian A[redacted] | VP of Member Services | Unitus Community Credit Union
 
BA[redacted]@unitusccu.com
Direct - 503.423.8574
FAX - 503.423.8345

Complaint: [redacted]I am rejecting this response because: I was a baby when my account was set up so I was not aware of any policy in that regard. This has caused me so much stress, that I will never bank with you after this. I have never been treated so poorly for being accused for something that I had nothing to do with. I should not be responsible for the entire amount. I got angry with your representatives because they could not understand that I am 23 and never in my life have been scammed. I have an ongoing police report since they did find out it was taken out in Georgia. So I have all the proof that I was unaware that it was a scam. You took the case number but was never willing to talk to the police to see a result. If I have to, I will get legal aid and fight this because I am not letting this happen to me for something that I was taken advantage of.Sincerely,[redacted]

Complaint: [redacted]I am rejecting this response because: I should not be responsible for the full amount, as I was not aware of the policies. Sincerely,[redacted]

July 8, 2016
 
[redacted]
[redacted]
Logan, UT 84341
 
Dear Ms. [redacted],
 
The complaint that you registered with the Revdex.com was forwarded to my attention on Monday, June 27th.   I have reviewed our records in order to respond to you...

directly.  A copy of this response will be submitted to the Revdex.com.
 
I want to first apologize for the concern and inconvenience that this scam has caused.  I can certainly understand your frustration; my research uncovered the multiple items you reference.  Our records indicate that you have contacted Unitus a number of times to discuss these items dating back to May 16th of 2016.  The items in question were deposited to your Unitus account on May 5th of 2016.  A standard hold was placed at the time of deposit and a notice of the hold was provided.  Between May 6th and May 12th the funds were withdrawn by you from the account.  On May 12th Unitus received a notice that the item was being returned unpaid due to “Closed Account”.  At this time you were notified of the returned item and the account was frozen pending a resolution. 
 
Unitus processes hundreds of thousands of transactions each month on behalf of our members.  Like any other credit union or bank, we do not have the ability to ensure that funds are collected until it has cleared the financial institution that the funds were drawn on.  For this reason we detail out information regarding funds availability and deposits in our “Membership and Account Agreement” which was provided at the time you opened your account and available online athttps://www.unitusccu.com/assets/uploads/membership-account-agreement.pdf.  In Section 16 we call out this situation which is included below from the agreement.  
 
You agree not to deposit any substitute check or similar item that you have created, or one which no financial institution has provided. You agree to indemnify and hold harmless the Credit Union for all losses the Credit Union incurs in connection with the substitute check or item.
 
The Credit Union reserves the right for any reason to refuse a deposit or to return all or any part thereof. Items that are not accepted will be withdrawn from your account and returned to you. If there are insufficient or unavailable funds in your account to withdraw the full amount of the item, your account may be overdrawn resulting in a negative balance.
While these occurrences are rare, we understand the impact that they can have on our member.  In reviewing the calls to our team, there were several examples of disrespectful behavior towards our staff.  To help relieve this tension and work towards resolution on your behalf, we were able to work through issues with Michael as an authorized representative.  As a result we have worked on a reasonable payment plan to allow the funds to be repaid over time.  Unfortunately as a member-owned, not-for-profit cooperative we can’t have our member owners absorb the cost of the item being returned after you received benefit of the funds. We work to respond quickly on behalf of our member to minimize the impact and, when appropriate assist. 
 
Hopefully this helps provide an explanation. I have provided my contact information below if you would like to discuss this further or if there is any additional information I can provide.
 
Sincerely,
 
 
Brian A[redacted]
Vice President, Member Services
Unitus Community Credit Union
[redacted]@unituccu.com
(503) 423-8574

Thank you for allowing Unitus Community Credit Union an opportunity to respond to our member’s concerns shared with the Revdex.com.
 
 
To protect the privacy of our member, we will respond to them directly, so no further response will be sent to the Better Business...

Bureau.  Our complaint response is being sent directly to the member by close of business on October 10, 2016.
 
 
Please feel free to reach out to me directly with any further questions.
 
 
Sincerely,
 
 
Brian L D[redacted]
 
 
Vice President of Lending 
Unitus Community Credit Union
[redacted]
Direct - [redacted]
FAX - 503.423.8304
NMLS#[redacted]
 
 
Unitus Mortgage is a division of Unitus Community Credit Union.
This email may contain confidential information, and is for the sole purpose of the intended recipient. If you are not the intended recipient, please contact the sender immediately and delete the e-mail and any attachments from your computer. Unitus Community CU specifically disclaims any responsibility or liability for any personal information or opinions of the author expressed in this e-mail. Although Unitus Community CU takes reasonable precautions to ensure no viruses are present in email, it will not be liable for any loss or damage arising from the use of this email or attachments.

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Address: 1300 SW 6th Ave, Portland, Oregon, United States, 97201-3464

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