ComplaintsforFinancial Partners Credit Union
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Complaint Details
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Initial Complaint
07/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Please note: As a disabled combat veteran; I am facing banking criminal fraud. I just got paid and my accounts through ********************** Partner Credit Union has been recklessly monitored by my bank; and my accounts are being drained. I have contacted my bank about several matters related this particular issue and past issues. My bank finally took me off of overdraft protection (Afters months concerned and complaining about my accounts having overdraft protection). I am concerned about thier inability of being transparent and being honest. Note: i.e.: I am also being doubled charged and debited for a transaction that I didn't authorize but only th orginal transaction for $1,275. Lastly, the bank and merchant are saying they are monitoring the situation and will have it resolved, but after speaking with my bank rep. my account is negative $1247 and I don't understand why?Business response
07/11/2024
A review of the account history determined there was a preauthorization hold placed by the merchant Endeavor Inn and Suites. Subsequently, an additional pre-authorization hold was placed by the same merchant. These pre-authorization holds reduced the consumer's balance.
Hotels often place a pre-authorization hold on a guest's debit card when they make a reservation in advance or at check-in to guarantee payment for their stay. The hold can be for an amount equal to or more than the cost of an overnight stay, depending on the length of the stay. The hold is temporary, but it can reduce the cardholder's purchasing power for the duration of the hold. The length of time the hold remains on the account varies by hotel. The pre-authorization holds placed by Endeavor Inn and Suites expired, respectively restoring your available balance to the actual balance.
Mastercard has specific rules and guidelines concerning pre-authorized transactions and the handling of funds by financial institutions. Specifically, financial institutions are required to hold funds when a pre-authorization is presented on a Mastercard to ensure that the merchant can secure payment for the goods or services they intend to provide to the cardholder. Therefore, we were bound to hold your funds for the pre-authorizations submitted by Endeavor Inn and Suites. If you have further questions or concerns regarding the pre-authorizations, you should contact the hotel directly.Customer response
07/15/2024
Complaint: 21930543
I am rejecting this response because:
Sincerely,
*****************************
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Customer Complaints Summary
1 total complaints in the last 3 years.
1 complaints closed in the last 12 months.