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Reviews USAlliance Federal Credit Union

USAlliance Federal Credit Union Reviews (13)

The business has responded Please see below:To Whom It May Concern, In response to the recent inquiry made by [redacted] in regards to a shared branch check deposit that was made on January *, at [redacted] Federal Credit Union on [redacted] ***, NY., the check hold error was not on USAlliance Federal Credit Union's partAfter further research, we discovered that the hold place on her Worker's Compensation check on As a result, we had very limited options in assisting [redacted] except releasing $to her the same day of her depositAs per our shared branch agreement, this hold should not have been placed on their end and therefore this complaint should be for [redacted] Federal Credit UnionI hope this resolves this matter and any concerns she may have had

Revdex.com:At this time, I have not been contacted by USAlliance Federal Credit Union regarding complaint ID [redacted] .Sincerely, [redacted]

The business has responded please see below: To Whom It May Concern, This is in response to the recent inquiry made by [redacted] in regards to a branch check deposit that was made on February *, at the [redacted] Branch of USAlliance Federal Credit UnionAfter careful investigation of the deposit, the check does not state that it was a NY Workers Compensation checkThe local hold place on the check was done correctly and in compliance with our check hold policyBased on a review of the check and the correct local hold placed on this check, we regretfully will not refund the “NSF” feeI hope this satisfactorily resolves any questions concerning this transactionKind Regards, USAlliance Federal Credit Union

The business has responded Please see below:To Whom It May Concern: This letter is in response to customer complaint ID *** *** alleges that USAlliance Federal Credit Union (USAlliance) placed random and lengthy holds on her state-issued Workman’s Compensation checksShe
further contends that these holds are directly responsible for the bouncing of several checksWe have researched this issue and have found no evidence of lengthy and/or random holds placed on the aforementioned checksWe did close *** ***’s checking account on July**, and report the closure to *** ***This action was taken as a result of a $negative account balance and the following Non Sufficient Fund (NSF) activity: • *** *** *** ** *** *** * *** *** ** *** *** ** *** • *** *** *** *** *** ** *** *** ** *** • *** *** *** *** ** *** *** * *** *** ** *** *** *** • *** *** *** *** *** ** *** *** ** *** *** *** *** • *** ** *** *** *** ** *** *** ** *** *** *** *** • *** *** *** *** ** *** *** *** ** *** *** ** *** On November**, 2014, USAlliance received funds from *** *** to satisfy the outstanding balance of $Upon receipt of the funds, the *** *** record was updated to reflect that her account had been satisfied and the status was changed to “paid in full’ If you require any further information, please feel free to contact meSincerely,*** *** *** ***, *** *** *** ***

The business has responded Please see below:In response to *** *** ***’s complaint about having her account assigned to *** * *** for collection efforts and/or repossession, it is important to understand the history of the accountThe loan was originated on October *,
with the first payment due November *, A promise of payment was made on December **, but was not keptThe first payment (due November *, 2014) was not received until January **, after multiple attempts to contact *** *** in November and December at the number providedCheck payments were received on February **, to satisfy the December *, and January *, paymentsHowever, on March *, 2015, those payments were returned after a second attempt of being presented for payment for insufficient fundsLoan reminder notices were mailed to *** ***’s address on November **, 2014, December *, 2014, January *, 2015, February *, and March * , A Right to Cure Notice was mailed out to *** *** on March *, due to the account being months past dueHer account was then assigned to *** * *** to pursue collection efforts of the past due balance and/or the collateral securing the loan

The business has responded.  please see below: To Whom It May Concern, This is in response to the recent inquiry made by [redacted] in regards to a branch check deposit that was made on February *, 2015 at the [redacted] Branch of USAlliance Federal Credit Union. After careful...

investigation of the deposit, the check does not state that it was a NY Workers Compensation check. The local hold place on the check was done correctly and in compliance with our check hold policy. Based on a review of the check and the correct local hold placed on this check, we regretfully will not refund the “NSF” fee. I hope this satisfactorily resolves any questions concerning this transaction. Kind Regards, USAlliance Federal Credit Union

Revdex.com:At this time, I have not been contacted by USAlliance Federal Credit Union regarding complaint ID [redacted].Sincerely,[redacted]

The business has responded.  Please see below:To Whom It May Concern, In response to the recent inquiry made by [redacted] in regards to a shared branch check deposit that was made on January *, 2015 at [redacted] Federal Credit Union on [redacted], NY., the check hold...

error was not on USAlliance Federal Credit Union's part. After further research, we discovered that the hold place on her Worker's Compensation check on 1/*/2015 in the amount of $688.10 was placed incorrectly by the credit union who completed transaction which was [redacted] Federal Credit Union not USAlliance Federal Credit Union. [redacted] Federal Credit Union placed a local check hold which is a 2 business day hold on her workers compensation check on Thursday 1/*/15. As a result, we had very limited options in assisting [redacted] except releasing $100 to her the same day of her deposit. As per our shared branch agreement, this hold should not have been placed on their end and therefore this complaint should be for [redacted] Federal Credit Union. I hope this resolves this matter and any concerns she may have had.

Review: I have already complained about this last month-

I am currently on workmans compensation disability benefits- I get a check bi-weekly- sometimes it is late

The check is a state check- from the state of ALBANY-

USA alliance puts a 2-day hold on this check- and my bills that come in bounce- I have been trying to get this rectified

I received a letter that USA would no longer place a hold on my workmans comp checks- and they did it again yesterday- 2/*/15Desired Settlement: Please remove this and all future holds on workmans compensation checks

THe pay is already meager as it is- Please credit me back any $35 overlimit charges- as you are holding my deposits and my bills cannot clear!!!!!

Business

Response:

The business has responded. please see below: To Whom It May Concern, This is in response to the recent inquiry made by [redacted] in regards to a branch check deposit that was made on February *, 2015 at the [redacted] Branch of USAlliance Federal Credit Union. After careful investigation of the deposit, the check does not state that it was a NY Workers Compensation check. The local hold place on the check was done correctly and in compliance with our check hold policy. Based on a review of the check and the correct local hold placed on this check, we regretfully will not refund the “NSF” fee. I hope this satisfactorily resolves any questions concerning this transaction. Kind Regards, USAlliance Federal Credit Union

Review: The following situation also involves USAlliance Federal Credit Union. USAlliance is my financial institution. [redacted] is our "shared branch". At the end of August - beginning of September, I contacted USAlliance via email. I explained that my cousin, [redacted], recently moved from NY to VA. His identification was stolen and he had no way of cashing his payroll check. USAlliance told me that I could take the check to [redacted] to deposit into my account if it was endorsed as directed (signed by [redacted] and myself and marked as for deposit only with my member number). On or around September * (this is the date the deposit shows on my account) I (without [redacted] present) stopped by [redacted] to make the deposit. My transaction was completed by a gentleman (unfortunately I didn't think to get his name) without issue. Then, on or around Monday, September *, I returned to [redacted] with another payroll check made payable to [redacted] and endorsed in the exact same way as directed for the first check. The woman at the main desk proceeds to start my deposit and winds up telling me it is against policy to accept the 3rd party check. I explain the situation as it occurred, telling her I made a similar deposit a few days before. I gave her a description of the gentleman who assisted me the first time, along with the location of his office. She proceeds to have that gentleman come talk to us. After both the [redacted] employees search my account and see that I am telling the truth (as well as me showing them the transaction via my USAlliance mobile banking site, complete with the information naming the [redacted] shared branch that took the deposit), I am told that the gentleman made a mistake and was not supposed to accept the 1st deposit. Therefore, due to his original mistake, [redacted] is left with a payroll check endorsed for deposit into my USAlliance account. After leaving [redacted], I contact USAlliance (via customer service telephone number) to explain the situation from start (email communication/instruction from USAlliance on how to make the deposit via [redacted]) to finish ([redacted] telling me it was a mistake and they cannot take the 2nd deposit). After being put on hold numerous times for many different departments to be contacted, I am informed by the USAlliance rep to return to the [redacted] branch to talk to the [redacted], as it is at their discretion if they want to accept the 2nd deposit since their employee made the original mistake, leading to the 2nd endorsed check. Today, September [redacted], I returned to [redacted] with [redacted], reexplained the situation (to the same lady from the last time and the same gentleman who made the original mistake), and asked to speak with the [redacted]. At first I am told the [redacted] works out of a location in Washington D.C., not the Chantilly branch. I then ask for this [redacted] to be contacted via telephone, so that I may speak with him/her. The [redacted] employees lead us to a small office to wait. When the gentleman finally returns, he tells me that the [redacted] is unavailable, but I have a few options: (1) he can forward my information onto the [redacted] so I can be contacted at a later time or (2) I could attempt to make the deposit via their ATM, but it would be at my own risk. I reiterate that I feel this is unfair because [redacted] and I are in this situation because of this [redacted] employee's original mistake. Had he not allowed the 1st deposit without question, I would not have returned with a 2nd check, endorsed for deposit only! I also explain that I needed to speak with a [redacted]. I was not convinced that there was no [redacted] available to deal with my situation. The gentleman leaves us to wait again while he contacts another member of management. After a few minutes, he comes back into the room and tells me he is going to call the management person. He dials an extension and addresses the woman who answers, telling her he was with "the person who's situation he just explained". She addresses me and tells me she is (I don't recall her name) a [redacted] - although I was just told be the gentleman the [redacted] was unavailable - and that they are unable to accept 3rd party checks. I then reexplain the situation again, making it a point to tell her that the [redacted] employee who made the original mistake of accepting the 1st deposit is at least partially to blame for this misunderstanding and that I was told the [redacted] has the authority to allow the 2nd deposit as a courtesy, due to the situation. The [redacted] simply tells me it is policy that they cannot accept 3rd party checks. Therefore, we are stuck with this payroll check endorsed for deposit only into my USAlliance account and neither credit union branch is willing to take responsibility for the instruction to make the deposit at [redacted] or the [redacted] employee "mistakenly" allowing the original deposit, therefore leading me to believe this was the correct process.

(This complaint is being submitted against [redacted] as well.)Desired Settlement: I only want the ability to make the 2nd deposit, as I was lead to believe I would be able to. I understand it was a mistake, but the check is endorsed for deposit only into my USAlliance account. As it was the fault of both branches (USAlliance for providing false instruction and [redacted] for their employee "mistakenly" accepting it) that the check is endorsed as is, I feel they should allow this last time. Again, I understand the branches were both mistaken, but that should not cause me to be penalized - I didn't make the mistake. I followed what USAlliance told me and [redacted] allowed.

Business

Response:

The business has responded; please read below:

RE: Revdex.com Case ID # [redacted]

To Whom It May Concern:

This correspondence is in reference to [redacted]’s complaint regarding her request to deposit a 3rd party check being rejected by USAlliance Federal Credit Union and participating shared branching locations. [redacted]s concern has been resolved as of September **, 2014.

The Call Center [redacted] at USAlliance FCU contacted [redacted] about her concern. The [redacted] clarified the check handling policy for USAlliance as well as participating shared branching locations with respect of 3rd party checks. In addition, the [redacted] apologized for any incorrect information she may have received from USAlliance or [redacted] employees. It was agreed that USAlliance would accept the 3rd party check on [redacted]’s behalf as an exception. The check will be deposited via USAlliance’s mobile banking application. Once received, USAlliance personnel will accept the deposit and release any check hold to ensure the funds are immediately available. USAlliance has credited [redacted]’s account $25.00 for any inconvenience she experienced by having to visit the shared branch multiple times unnecessarily.

Sincerely,

USAlliance Federal Credit Union

Business

Response:

The business has responded; please read below:

RE: Revdex.com Case ID # [redacted]

To Whom It May Concern:

This correspondence is in reference to [redacted]’s complaint regarding her request to deposit a 3rd party check being rejected by USAlliance Federal Credit Union and participating shared branching locations. [redacted]s concern has been resolved as of September **, 2014.

The Call Center [redacted] at USAlliance FCU contacted [redacted] about her concern. The [redacted] clarified the check handling policy for USAlliance as well as participating shared branching locations with respect of 3rd party checks. In addition, the [redacted] apologized for any incorrect information she may have received from USAlliance or [redacted] employees. It was agreed that USAlliance would accept the 3rd party check on [redacted]’s behalf as an exception. The check will be deposited via USAlliance’s mobile banking application. Once received, USAlliance personnel will accept the deposit and release any check hold to ensure the funds are immediately available. USAlliance has credited [redacted]’s account $25.00 for any inconvenience she experienced by having to visit the shared branch multiple times unnecessarily.

Sincerely,

USAlliance Federal Credit Union

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,

Review: I have an Auto loan with USAllince Credit Union. On Wednesday 03/**,2015 I received a phone call from a collection agency telling me my vehicle is being repossessed.

That I must make a deposit in full with [redacted] @ [redacted] and They will not except partial payments!

Meanwhile, My bank info, route number and account number on file including my Email & phone numbers. I have not been notified of any delinquency's or late notices through my mailing address or email address

Poor Customer Relations & or Practices!Desired Settlement: One month to pay $1,100.00

Business

Response:

The business has responded. Please see below:In response to [redacted]’s complaint about having her account assigned to [redacted] for collection efforts and/or repossession, it is important to understand the history of the account. The loan was originated on October *, 2014 with the first payment due November *, 2014. A promise of payment was made on December **, 2014 but was not kept. The first payment (due November *, 2014) was not received until January **, 2015 after multiple attempts to contact [redacted] in November and December at the number provided. Check payments were received on February **, 2015 to satisfy the December *, 2014 and January *, 2015 payments. However, on March *, 2015, those payments were returned after a second attempt of being presented for payment for insufficient funds. Loan reminder notices were mailed to [redacted]’s address on November **, 2014, December *, 2014, January *, 2015, February *, 2015 and March * , 2015. A Right to Cure Notice was mailed out to [redacted] on March *, 2015 due to the account being 4 months past due. Her account was then assigned to [redacted] to pursue collection efforts of the past due balance and/or the collateral securing the loan.

Review: I am on disability- I receive my state checks from [redacted] and I deposit them into my USA Alliance account- But USA ALLIANCE has been placing long holds on these checks- sometimes

without telling me. I have complained before- and was told they would not place holds on these state workmans comp checks- but they still do

As a result- several of my checks that have come in to clear- bounced!!! I deposited the checks in time- but because USA ALLIANCE places these random holds- they cause my checks to bounce

TODAY- I learned that USA Alliance reported me to [redacted] from a check back in November- and I cannot open another checking accountDesired Settlement: I need USA ALLIANCE TO REMOVE THIS BLOCK- I need to open a joint account at another bank with an invalid family member out of state

THIS IS AWFUL

Business

Response:

The business has responded. Please see below:To Whom It May Concern: This letter is in response to customer complaint ID [redacted] alleges that USAlliance Federal Credit Union (USAlliance) placed random and lengthy holds on her state-issued Workman’s Compensation checks. She further contends that these holds are directly responsible for the bouncing of several checks. We have researched this issue and have found no evidence of lengthy and/or random holds placed on the aforementioned checks. We did close [redacted]’s checking account on July**, 2014 and report the closure to [redacted]. This action was taken as a result of a $115.65 negative account balance and the following Non Sufficient Fund (NSF) activity: • [redacted] • [redacted] • [redacted] • [redacted] • [redacted] • [redacted] On November**, 2014, USAlliance received funds from [redacted] to satisfy the outstanding balance of $115.65. Upon receipt of the funds, the [redacted] record was updated to reflect that her account had been satisfied and the status was changed to “paid in full’ If you require any further information, please feel free to contact me. Sincerely,[redacted]

Review: I am currently on disability- I am not working and I get a workman's comp check that sometimes gets very delayed. I spoke to someone at USA ALLIANCE- they told me I could deposit the check at the [redacted] Federal Credit Union- on [redacted]- which is located closer to my home. I deposited a state check- from the capital of ny it is a workman's comp check from Albany- and the original branch of USA Alliance put a four day hold on my check- so now- I cannot release any of the funds from this state workman's comp check. When I called the branch- they said I could get fees now charged to my account because I told them I need the full check amount because I have three bills that will be trying to clear today- Saturday January [redacted]. They told me I need to fill out a form and take it to the [redacted] Branch and that they would consider taking this hold off of my workman's comp check!!!!!!!!! I have never ever had this issue before- This check always gets deposited in this bank- Now I have no money and I am very concerned about all the fees that USA alliance freely charges me whenever they decide to randomly put holds on my deposits Please HELP!!! I do not make a lot of money on disability- I need money for gas and food and to pay my [redacted] bill that is late- How can one survive when a bank behaves like this???Desired Settlement: I need the entire check to be able to be released for funds available I need no blocks or holds put on my workman's comp check deposits- I need the money now- It is a State Check from ALBANY= I need any fees removed and credited back to my account

Business

Response:

The business has responded. Please see below:To Whom It May Concern, In response to the recent inquiry made by [redacted] in regards to a shared branch check deposit that was made on January *, 2015 at [redacted] Federal Credit Union on [redacted], NY., the check hold error was not on USAlliance Federal Credit Union's part. After further research, we discovered that the hold place on her Worker's Compensation check on 1/*/2015 in the amount of $688.10 was placed incorrectly by the credit union who completed transaction which was [redacted] Federal Credit Union not USAlliance Federal Credit Union. [redacted] Federal Credit Union placed a local check hold which is a 2 business day hold on her workers compensation check on Thursday 1/*/15. As a result, we had very limited options in assisting [redacted] except releasing $100 to her the same day of her deposit. As per our shared branch agreement, this hold should not have been placed on their end and therefore this complaint should be for [redacted] Federal Credit Union. I hope this resolves this matter and any concerns she may have had.

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Description: CREDIT UNIONS

Address: 600 Midland Avenue, Rye, New York, United States, 10580

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