ComplaintsforMidflorida Credit Union

• Initial Complaint

  06/07/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I was approached by an individual that was gaining my trust in order to help them with their own finances which eventually let me sending money to them after they promised to give the money back. They have manipulated me emotionally and financially into sending the money in the total of ******* USD over time whilst I was working hard for my funds and maintaining my family with two children.

  Business response

  06/21/2024

  Please see attached letter. 

  Customer response

  06/29/2024

   
  Complaint: 21816557
  
  I am rejecting this response because: I have been financially abused and manipulated for over 2 years, and in that period of time, by banking partner allowed the continual transactions to occur without protecting me. No transaction was blocked or prevented from occurring, no one from my banking partner at MFCU contacted me to question any transactions that have or were occurring. As a financial partner, I feel that I was not protected by the policies that are the guiding principle of gaining trust and protecting your (MFCU) clients' interests from fraud.

  I am humbly asking for this case situation to be reviewed and reconsidered and further evaluated and to be a beacon for policy creation to prevent this failure of recognition of financial abuse to occur to anyone. I am a victim abuse, stalking, death threats on my family and myself (police report filed through ************************** 24-00057020), and financial insecurity. 

  I am asking for my case to be re-evaluated and my financial assets returned.

  
  Sincerely,
  
  *******************************

• Initial Complaint

  04/25/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  -11/09/2023 ***** USD -11/17/2023 ****** USD -11/25/2023 ****** USD -11/30/2023 2***** USD -12/06/2023 ****** USD Amount paid: ******* USD

  Business response

  05/08/2024

  Please see attached letter. 

• Initial Complaint

  04/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am not liable for this debt with MidFlorida Credit Union. I have reached out and been getting the run around. I have never received a 1099-C and past the point of statue of limitations. Information is not correct nor the address even associated with this account. **************** I have never lived at ****************************

  Business response

  04/30/2024

  MIDFLORIDA will respond directly to the member regarding this matter. In the meantime, the member may reach out to our collections department at ************ to discuss the account. 

• Initial Complaint

  04/14/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  In March I found out they reversed my January loan payment. I had screenshots from ********** saying they had paid the money to midflorida. ***** thankfully gave me my money back when midflorida wouldn't make it right, that was March 4th/5th. March 7th I re-paid them that money, which brought my account to current with midflorida, although I still had to pay a late fee I shouldn't have owed. I have screenshots of all of this, including the payment made on March 7th. I just got on my midflorida today to schedule the April payment, and to my disgust I saw that they were saying they reversed a payment made in March, I can't even understand their reasons as it most certainly cleared my bank and they got their money, and they are now saying March payment is never made, and therefore, late. For which they assessed a late fee. I am beyond mad and hope they make it right and apologize so I don't have to get a lawyer! Attached are screenshots proving this latest problem.

  Business response

  04/16/2024

  MIDFLORIDA has resolved the matter directly with the member.MIDFLORIDA representatives from the accounting and collections departments spoke with the member regarding the payment processing matter with the other financial institution as well as the loan payments that are due. The member advised they understand what occurred. We appreciate the opportunity to work with the member and value their membership. 

• Initial Complaint

  04/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  In an attempt to use my Mid Florida debit card to purchase a plane ticket, I was notified that it was declined by their fraud department. Excuse the h*** out of me what?. Who in the h*** are these people to monitor my purchases and to decide whether or not it is fraud. Furthermore, they made, no attempt whatsoever to contact me for clarification. They just took it upon themselves to tell me that I could not spend my own money. When I called them on the phone to complain about this, they were really quite rude. Told me to go to my local branch and close out my account then if I didnt like it. Is this the type of Service that American customers are getting from banks these days, or is this a mid Florida credit union exclusive. Who gave them permission to do this?. What if the customer does not want this fraud protection?. I do not want them monitoring my transactions. That is a clear fourth amendment violation and I want it Gone .

  Business response

  04/24/2024

  MIDFLORIDA strives to provide excellent member service, and we apologize that we fell short on our interaction with you. We want to take the opportunity to clarify that we take the security of your accounts and personal information very seriously. We have robust processes in place to protect the funds in your accounts from many different types of fraud that are on the rise. There are various systems, such as fraud verification alerts, that are used to ensure you authorized a particular transaction. Upon reviewing your recent activity, we see that a fraud verification alert was sent on April 8, 2024, regarding the transaction in question. Shortly after, we received confirmation from you validating the transaction, and the transaction was successfully processed. While there is no way to opt out of this service, please rest assured that monitoring is in place to protect your accounts and personal information. Thank you for bringing this to our attention. We greatly appreciate your membership.

  Customer response

  04/24/2024

   
  Complaint: 21564115
  
  I am rejecting this response because: Monitoring my financial activities is a direct violation of the fourth amendment. You have no right to monitor or intercede in the way I disperse my funds in any way shape or form. Who says theres no way to opt out. I am telling you I want to opt out, What more permission do you need? 
  
  Sincerely,
  
  *********************************

  Business response

  05/16/2024

  Maintaining an account at ********************** is not possible without transaction monitoring to comply with federal law, mitigate fraud losses and other legitimate and legal purposes. To prevent monitoring, it will be necessary to close your accounts. Please confirm that you wish to close your accounts.

• Initial Complaint

  04/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  MIDFLORIDA Credit Union is doing the old school Bait and Switch. Getting the customer in and selling a good but not honoring their advertising. I am a 1099 employee who is paid by pay a person because my employer has an account with ******************. I was denied the advertised $200.00 incentive deposit into my account because it is Pay a person which is the payroll system my employer used. Since having the account two months I have $1340.00 in the account satisfying my obligation of having deposits being made. I have made numerous attempts to get this resolved with negative results. I have spoken with others outside the bank who have similar concerns with MidFlorida. In todays troubling time with financial being handled inappropriately by scams I feel you should be aware of this going on.

  Business response

  04/09/2024

  MIDFLORIDA has resolved the matter directly with the member. 

• Initial Complaint

  03/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I opened an account back on Feb 2023 a freedom account and I was told that if I keep my account in good standing I can convert it after 1 year. I have kept my account in good standing and had OD protection, what makes this even worse it's that they caused my bank account to go overdraft because they want to charge me a Fee for something that they did not pay and yet penalize me for it when they did not even dish out the money and refuse to convert my account. This should not be held against me for something I have no control if something is presented and not paid. what I want is my account to be converted to a regular checking account and not be held liable for something I did not cause not only are is the website out of date you can event chat with a representative I would like for this to be made right and fixed.

  Business response

  03/22/2024

  MIDFLORIDA reached out directly to the member on March 20, 2024, and reviewed the eligibility requirements for upgrading the account. The member was informed to reach back out in 3 to 6 months to reassess eligibility. The member was satisfied with the outcome and we appreciate their membership and patronage. 

• Initial Complaint

  03/03/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  the dispute involves a *** withdrawal that was not authorized by me or anyone else connected to the account at mid ******************************************************************** located in ***** Florida.On February 12, 2024, a *** withdrawal was made from a corporate account that I had opened in December 2023. The amount was $271.08 and it showed that fifth third Bank received the *** payment on February 12, 2024. It was explained to me by mid Florida credit union that the *** withdrawal was for a medical bill, which they would not tell me who it was that made the *** withdrawal.I did not see the withdrawal until February 15, 2024 and I commenced to calling the 800 number that mid Florida credit union has, at which time I was instructed to leave a call back number and they would return my call. I completed this process three times on on February 15, 2024 with no call back, I started the process again on February 16, 2024 and I received no call back from their corporate office after eight attempts.I tried to call them on Saturday, February 17, 2024 and they were closed. I was unable to call them on February 19, 2024 because all of their offices were closed due to Presidents' Day. It was during this time that I was in ******** and I was unable to visit any of their local offices.On February 21, 2024 I went to their office and ***** and submitted the complaint. The account was closed and a new account was opened and I was advised that it would take 90 days to get my money back.On March 2, 2024 I received a letter stating that the request was initiated after the two day dispute time frame.I made several attempts to contact them using their automated phone system and at no time did anyone call me back to investigate my complaint.I would like to receive my $271.08 that was wrongfully taken from me and it appears that mid Florida credit union is unwilling to protect my account from this type of activity.I feel that I did everything possible to contact their help desk at ************ with no call back.

  Business response

  03/18/2024

  MIDFLORIDA has resolved this matter directly with the member. 

  Customer response

  03/29/2024

  I have spoken with the midflorida credit Union and we have resolved my issue. MidFlorida credit Union was very responsive and I am very happy with how the situation was resolved. It was miscommunication and they were very courteous and professional when dealing with the issue. I am very satisfied with how it was resolved.

• Initial Complaint

  02/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I lost my job back in October and have been working with the bankto make payments. I fell behind two months, the collections department called me and was VERY nasty about trying to collect. I was told that I had to come in to the bank and pay my last two months owed by February 29th. I asked to speak to the Manager, and was told she was unavailable. I called back was able to speaj to a managerI let her know that the person calling me was very disrespectful and would barely let me speak. During that call she confirmed I had until the 29th to pay. She instead approved for my car to be repossed that same day. I borrowed money from friends and family to make sure I had enough to pay. I made an arrangement with the collections department, only to find out she had my car reposessed the morning I was heading in to pay. I called the credit union for an explanation was told that she was unavailable and that I could leave a message. They also had no options ready for me to be able to get my car back. This was unethical. Their collection calls are not recorded and they outright lie to customers who are trying to set up payments. She gave me a call back stating I dont have the right to record her, I started to talk and she hung up in my face. VERY, VERY, VERY unprofessional.

  Business response

  03/11/2024

  While we regret the circumstances, MIDFLORIDA Credit Unions collections department has advised the member of the ability to redeem the vehicle by paying up to date, including any fees; the redemption period will end on March 13, 2024. The member may reach out to the collections department at *********************** to further discuss the matter.  

• Initial Complaint

  02/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  January 21, I reported a fraudulent charge of $50 on my credit card. I called the number on the back, they sent me a new card and cancelled the old one. Said it could take up to 30 days for the charge to be reversed/credited. 2 weeks later, a $50 credit was pending, and then reversed. I called and inquired about this, and they said it was normal and it was still pending investigation. Approx 2 weeks after that, two additional CHARGES (NOT CREDITS) were applied to the balance of my credit card. These charges were made by the credit card ****** it was a $50 charge and a $10 charge. When I called, they said there was a credit on another credit card, but not the one showing on my online statement, so they must have applied it incorrectly. They also informed me that someone in the fraud/dispute **** added the additional $10 fraud even though I had confirmed that was a legitimate charge. They "made a note" and assured me it was still under investigation and that any interest I might be accruing would be reversed. 1 month later, I receive a letter in the mail about my fraud case being investigated, and it's referencing a card I have NEVER had for these same fraud charges. I called the fraud line and got no where, so called a local Midflorida branch. After an hour on the phone, they said I called and reported an additional fraud charge on Feb 6 - which I never did and they issued a new card (which they never did). I have been assured twice now that a supervisor from the credit card **** would be calling me and I'm still waiting, and I still have double the fraud charges on my statement and a mysterious credit card with credits that I can't see and that was never sent to me. Someone in this department has made several mistakes and I just want them corrected and my refunds issued. This has been the worst experience and after this debacle I will be cancelling all of my cards and I'm even considering moving my accounts from Midflorida that I have had for 20plus years.

  Business response

  03/11/2024

  We are so sorry for any inconvenience resulting from a fraudulent charge on your credit card and the resulting confusion from MIDFLORIDAs attempts to properly credit your account and issue you a new credit card. A member of our **** Services team attempted to reach you by phone on February 26, 2024 to clarify what had happened. The appropriate adjustments were made to your credit card account as reflected on your March 3, 2024 statement. Please call our **** Services department at ************ if you have any additional questions or concerns. Again, we apologize for any inconvenience this may have caused. We appreciate your long term membership and patronage. 

*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. ↩