ComplaintsforBMI Federal Credit Union

• Initial Complaint

  04/04/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On Jan 3, I opened a checking account with "Checking promotions: Open a Free Checking Account and Earn a $200 Cash Bonus". It requires $20 deposit, 30 transactions over $5, and sign up for e-statement. I've completed all, but didn't receive $200 bonus. I've contacted customer service. Representative ****** replied: "It looks like you haven't yet signed up for eStatements. You can do that in Online Banking: Menu -> Services -> eStatements. Also, I count only 24 debit transations." Neither is true. I signed up for e-statement, and made 33 transactions: 1: Mar 26, $5.75 2: Mar 24, $6.96 3: Mar 24, $9.18 4: Mar 22, $8.22 5: Mar 22, $9.65 6: Mar 22, $10.52 7: Mar 19, $6.59 8: Mar 19, $13.88 9: Mar 19, $13.5 10: Mar 19, $12.73 11: Mar 17, $7.4 12: Mar 16, $5.28 13: Mar 15, $5.01 14: Mar 14, $7.11 15: Mar 12, $10.15 16: Mar 12, $13.89 17: Mar 12, $8.08 18: Mar 12, $10.03 19: Mar 10, $5.72 20: Mar 9, $6.44 21: Mar 8, $9.51 22: Mar 8, $6.64 23: Mar 7, $10.29 24: Mar 5, $20.95 25: Mar 5, $20.95 26: Feb 24, $6.3 27: Feb 17, $7.5 28: Feb 12, $7.97 29: Feb 12, $6.7 30: Feb 5, $5.01 31: Feb 5, $5.19 32: Feb 5, $5.31 33: Feb 2, $5.35 

  

  Business response

  04/14/2023

  We appreciate your bringing this complaint to our attention. BMI Federal Credit Union offers multiple promotions at one time on a continual basis. All promotional disclosures detail the requirements needed for bonus payouts. The requirements may include e-statement enrollment, debit card transaction activity and usage timeframes, along with a promotion code. Each promotion code is associated with a specific product offering to a ensure proper and timely payout. As well as to measure the success of our marketing efforts by creating an awareness of credit union member ownership and its benefits.
  
  At the time ****** ***** notified us of the missing promotional payout, all requirements had not yet been satisfied within the allotted timeframe. Because of this, no promotion was automatically generated. We can certainly understand the frustration when she was told there were two outstanding requirements when only one, the e-statement enrollment, was needed. Once this was done, BMI FCU registered her account to be credited and communicated that to her. We regret the complaint was submitted to BBB prior to having the opportunity to convey the solution.
  
  Once registered, promotional payouts are scheduled to post on a periodic basis. Our records indicate the account was credited on April 7, 2023. We apologize for delayed BBB response since the resolution and the complaint had somewhat overlapped.
  
  We take pride in our service reputation and in the products and services we offer and regret the experience as a new member. Although it is disappointing to receive a complaint such as this, we welcome the opportunity to examine our current practices in effort to ensure the highest levels of member service.

  
  If any additional information is needed, please do not hesitate to contact us. 

• Initial Complaint

  01/28/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I opened an account with BMI in August 2021. I noticed a charge on my card so I tried to get help from the bank. I suffer memory problems because of the lesions on my brain. I tried to explain to the staff that I did not place the order but I thought it was my partner and his card was charged too. Since I got confused and lost my card in Detroit I was basically called a liar by ****** and *****. So I was working with my parent and his transition information I will attach images of both orders. The order charged to my credit card is order ********. The order my partner paid for is Order ********.

  

  Business response

  02/10/2022

  Response to our member:

  We appreciate the opportunity to provide a response to the submitted complaint.  We have notified our member that she will have to reach out to the merchant on these transactions for any further information.   We have discussed the dispute multiple times with ******* ******** and reached out to the merchant on behalf of our member regarding the situation multiple times.  We have not received the required Visa dispute documentation or any proof of the initial decline of the transaction from our member and our system does not show a decline on this transaction.  We are not able to dispute the transaction with the merchant. 

  Customer response

  02/11/2022

  BMI was made aware of this problem back in November and information could have been more easily obtainable for this issue and I love how the person that called me yet again has not called me back like she said she would.  I find it ironic too that the same employee that called me a liar was the one dealing with my complaint… she in reality was the one to say one thing and do the other.  And she still talked down to me.  I am sorry I thought the transaction was fraudulent but the name on the order of **** confused me because my partners middle name is not usually what he uses.  How am I supposed to sell tickets I don’t have since ***** suggested that?
  
  Regards,
  
  ******* ********

*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. ↩