ComplaintsforSIU Credit Union

• Initial Complaint

  01/11/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Since July 31, 2022, SIUCU has taken $5.00 per month from my "Membership Share" account for "Fee Withdrawal Bad Address Service Charge." I don't do any day-to-day banking here so that account only had $83.29 in it as of 7/31/22 to keep it open, and I don't check it often for that reason. The only other account I have there is an auto loan because they usually have great rates. I logged in to check the loan status when I saw the fees they'd been charging. My gripe is that no one made any reasonable effort to contact me. They have my personal mobile number (only number I have) and my main email address. I did call to change my address today when I realized what was happening and the lady said she could refund a few of the charges; she refunded three out of six total charges (so refunded me $15-worth of charges out of $30). I probably wouldn't have bothered raising a stink about this if it weren't for the fact that they totally trashed my wifes credit due to a similar problem with charging fees without notification. In her case, they ended up overdrafting her account many times over the course of a year before we realized (while we were trying to add her name to the mortgage). Thank God I caught this instance before it started overdrafting... Something has to be done. There are reviews for all of their locations from poor people that have had the exact same types of things happen there. Please hold them accountable. The account number is ****************. The transaction dates are as follows, each is for $5.00: 12/31/2022, 11/30/2022, 10/31/2022, 09/30/2022, 08/31/2022, 07/31/2022. Thank you.

  Business response

  01/19/2023

  The credit union has a policy of attempting to contact our members when we receive mail back from the post office as bad address. I cannot track back the specific attempts made on your account, so as a courtesy, I have refunded the remaining three fees you were charged. We regret any inconvenience for the situation.

• Initial Complaint

  05/31/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  My bank let 2 unauthorized transaction occur and when I went to settle the matter they did not provide me with the appropriate paper work to file a cancellation of the transfers now credit union is not taking the responsibility or helping me to recover the money that was taken without my permission

  Business response

  06/10/2022

  ****** ******* called 5/27/2022 to alert the Credit Union of unauthorized transactions that had posted to his account through his online banking. These were external transfers where ***** was the recipient bank. When the representative looked at his account and online banking log there was no indication of his information being compromised. There was also a note on the account from 5/7/22 that ****** had requested that ****** *********** to have access to his banking information. His email address was also changed to ******'s email address. ****** had also explained that he at one time had a ***** account. Due to no failed attempts, and the note on the account, the representative stated we would not be able to dispute.

  
  Mr. ******* reached back out to our Bookkeeping Department on 5/31 stating that he did not give his information out nor did he state that he wanted Nichole to have his information, but to allow her to deposit checks. ****** explained to our representative that he had “spoke to a police officer that ensured him ****** was not involved" when I asked if she could have done this. Our Bookkeeping Manager overheard this conversation, and called him back, asked him to explain the situation to her. He stated that he did not do the transactions. So she agreed to reach out to Chime, to report fraudulent transactions, and to inquire about ***** returning the funds. She sat through 3 phone calls without ****** available, with no resolution. Finally ***** agreed to a 3-way call. ***** had requested that ****** verify himself through his contact info, and last transactions. He could not, so ***** ended the phone call, and requested that we send our request through their support email. She also emailed several times to get to the ACH department, since this was the transaction type. They refused to do so. They would not offer any support.

  
  On 6/1 Mr. ******* had called our bookkeeping department about a reversal of funds. The head bookkeeper was out at the time and the department was unable to locate the transaction in question. So she followed up with an email on 6/2 to ****** asking for him to send the email he had received from ***** about the funds reversal and the officer’s information that exonerated ******. When the email was received, it was an email thread that had been forwarded from ******. Her response back to ****** on 6/3 in regards to the email thread that he had sent with the involved party, questioned what her role was in funds reversal when ****** had claimed that she was not involved. As of 6/7 she has not had a response from ******, nor has any reversal of funds been received for ****** *******.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩