Business ProfileforVantage Credit Union

Enclosed please find copy of correspondence regarding the credit card account with Vantage Credit/*********** I have attempted for 1 (one) year to get this resolved and still not done to my satisfaction. I am hopeful you can help with this. Surely there are more customers than myself having problems with their customer service/correspondence. This is an attempt to resolve this account, again. Following is a narrative of my transactions on this account: Statement date 8/10/2022, paid $455.52 on 8/16/2022. Statement date 9/9/2022, paid $350.83 on 10/1/2022. Statement date 10/10/2022, paid $673.78 on 10/30/2022. On 10/15/2022, I received a call from *********** During the course of the conversation, it was determined that my card was fraudulently used at ********* ** ****, Troy, OH in the amount of $6092. At that time, I was advised not to use that card and a new one would be issued. I was also advised I was not responsible for this charge and it would be eliminated from my bill. Statement dated 11/9/2022, paid $165.36, the amount billed ($6267.16), less the fraudulent charge and $10.00 fee for the new card, on 11/27/2022 and the amount of my actual charges for the month. Statement dated 12/9/2022, again showed the fraudulent charge of $6092. I paid $263.99, again, the amount billed ($6420.50) less the fraud charge, new card fee ($10.00) and interest on those charges ($54.80) on 12/29/2022. On 12/31/2022, my wife, ****** J. ******** passed away. Statement dated 1/10/2023, still showed the fraudulent charge of $6092. Again I paid my actual charges $278.59; the amount billed ($6501.48) less the fraud charge, new card fee ($10.00) and interest fee ($56.29); on 1/23/2023. Statement dated 2/7/2023 but not received until 3/10/2023 along with my March statement, I paid my charges amounting $288.36, again less the fraudulent charge, etc. Statement dated 2/7/2023 still showed the fraudulent charges. I paid $288.36, amount of my charges. On 3/30/2023 I sent a letter trying to again resolve this situation. I received a statement showing the statement period of 4/1/2023 to 6/30/2023 with a balance due of $23.37 which matched nothing of record and with no explanation of this charge. As of today, I've never received a response to my letter of 3/20/2023 and any conversations receive only vague answers. On 7/19/2023, I received a letter that the credit card dispute had finally been resolved and credit applied on 2/13/2023 to the account, I was advised the account is fine, but you (the company) have side-stepped much of my requests. On 10/1/2023, I received two (2) letters, dated 9/12/2023. One was addressed to my deceased, loving wife, ****** Jo ******** and one to me Keith ********. It stated final notice $104 due. Back in January 2023, I notified you of my wife's death and sometime later, letters arrived. The first, dated February 3, 2023, indicated that I wasn't eligible to continue with this account (I would need to make a new application). Present card would be canceled in 45 days, but the problem still existed. Letter dated 2/13/2023 was still in both names, requesting more information on the fraudulent activity. This indicates to me that the right hand doesn't know what the left hand is doing. I responded on 2/27/2023, even though I was not the principal addressee of the letter (didn't remove ******'s name from correspondence). On 2/27/2023, received a third letter, again with condolences and a request for a copy of death certificate. Your legal department wanted this, I guess, for protection of this account. On 3/30/2023, I sent a letter asking for a complete monetary review of this account and removal of the new credit card fee and late fee charges. To date, I've received no response. I am requesting a written response by 11/15/2023, removal of all charges, no letter to credit companies (*******, ***** ****., etc.) and never respond using my wife's name again. I have paid every dime owed on this account, which has a start date of 12/18/1992, except for this mess showing a balance of $23.27 on 6/30/2023. I guess this $23.37 has now grown to $104.