ComplaintsforMidflorida Credit Union

• Initial Complaint

  02/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I opened a checking and savings account on 12/13/2023. I did this based on their false advertising that I would get paid by direct deposit up to 2 days early (didnt happen even though I get paid from Social Security which I was told the bank has special relationships with them and I could therefore get my deposit even a few days earlier. Did not happen. I wasted time and effort checking my bank two days before. It was frustrating).Another expectation based on their advertising was that I would get $200 for initiating direct deposit (also didnt happen - was told I was ineligible). Third expectation broken is that despite being issued a debit card for the day I opened my checking account, that card stopped working in early January 2024. When I login to see what could be the problem, under my cards it says it appears you have no debit or credit cards. This is disturbing at best.I linked my other bank accounts with my new MidFlorida checking and savings account so I would be able to transfer funds between them but no can do. The MidFlorida online banking/app despite allowing me to link my other bank accounts, does not facilitate external bank transfers. Leaving me with no access to my money - I have to go to a physical bank location.All this disfunction on their part and yet they have charged me $5 fees for each account for the months of Dec, Jan and Feb. I deserve those fees refunded considering my ability to use basic banking services has been handicapped as outlined above.Actions I have taken are contacting you, the Better Business Bureau and moving my direct deposit to another bank. However this process will take two months so I am stuck banking with MidFlorida Credit Union until March 2024 when my direct deposit will no longer go there. I should have googled their (bad) reviews beforehand but traditionally credit unions are supposed to be good banks. Of course I will close my accounts once my direct deposit has been moved.

  Business response

  02/26/2024

  We are so sorry this member is not satisfied with their experience with MIDFLORIDA Credit Union. Representatives from the branch have attempted to call the member several times. MIDFLORIDA will write to the member directly to address their concerns. The member may reach out to our help desk at ************ or a local branch if the member needs assistance with their accounts. 

• Initial Complaint

  01/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have identified certain transactions on my consumer report to be a result of identity theft. I confirm that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be removed, blocked, and deleted within 4 business days from the receipt of this letter. Account Name: ******************** Account Number: ****************Sincerely,*******************

  Business response

  01/31/2024

  MIDFLORIDA has been in contact with the member regarding this matter. If there are any additional questions or concerns, the member may contact the ************************ at **************.

• Initial Complaint

  01/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  this happened on 11/30/2023. I went to Mid florida bank right across the street from my house & made 2 deposits that day 1 for ****** and 1 for ******. I made the deposit for ****** at about 5:45 at the drive through. at approx. 6pm I recieved a call from Mid Florida credit union from my caller ID and a lady who sd she was from Mid Fla said are you authorizing a wire transfer to a womens name in PA. for ******* and I said absolutely NOT!! There was some ********** said she was transfer me to the fraud ***** and he was firing all kinds of stuff at me and the only thing that I did....he asked me for my debit card # and I gave to him. Remember I'm thinking the whole time it was Mid Fla because its what came over my ********* sent to police ***** He asked me to go to western union web site and show me how the scammers were trying to use that company as well as 2 more to get my money...after listening to this guy for about 8mins I hung up because it didn't sound right & I immediately called Mid fla on line & the lady said it was a scam and said I shouldn't have given my card #. But I thought it was mid fla because that is what came over my phone. I didn't know I'm not a banker & don't know. After telling Mid Fla that I didn't know it was a scam they finally on the 5th of Dec they gave me the ****** back. I had filed fraud to local police and western Union and mid florida. Well then on the 8th of Jan. I had to get a pay day loan for ****** so I could pay bills & have a little extra for me to get ***************** Florida out of nowhere took ****** back from me out of my acct. I called the bank and suspected fraud again and the lady said "we took it back from you because you knew that this fraud was going to happen" I about lost it!! She accused me of being part of the initial ********* talked to **************** told me I told the people too much ************ why we are taking the money back. OMG I NEED MY MONEY AND HOW DARE THEM FOR DOING THIS TO ME!!! Please I need my money back right away. They never contacted me the whole time this has been going on. This is decimation of character for them saying well the scammers are ok and you knew they were doing this. I'm soooo upset right now. I really need a lawyer unless they apologize right away & give me my money back now!!

  Customer response

  01/11/2024

  I also contacted Western Union Fraud case # ********* It was 10mins after the initial call and the transaction was pending. I begged them not to let it go through because it was a scam. Well they let it go through to someone in the Dominacin Republic I have the email from Western union

  Customer response

  01/11/2024

  Mid florida never contacted me 1 time to ask me my side of it also...they are crooks for taking my money. Why wouldn't they work with me?? That is not any kind of value for their clients

  Business response

  01/22/2024

  MIDFLORIDA representatives have worked directly with the member to resolve this matter. 

  Customer response

  02/01/2024

  
  I also contacted Western Union Fraud case # ********* It was 10mins after the initial call and the transaction was pending. I begged them not to let it go through because it was a scam. Well they let it go through to someone in the Dominacin Republic I have the email from Western union

  Customer response

  02/06/2024

  Thank you for following up with me. You sure are doing more than Mid Florida. I'm not satisfied with the employee at the bank had told me that I was part of the scam of the people or crooks robbing my acct. With all that mid Florida did (nothing) giving me the extra ****** which I thought was the damage they caused by taking the ****** for the 2nd time and saying I was involved in it...I thought the extra ****** was for damages rendered & then a couple days later took it back & I used it to pay the returned payments I made & still today I'm confused about all this. I do have on saved voice mail saying that they made a mistake with some admitting with giggles that they made a mistake and once again returned payments. All I want is damages caused by them with mistakes in numbers they made & the damages that I still have horrible feelings about the employee saying I was part of it! Please I need some compensation for this. They are dead wrong and the only lady that has reached out (*****) was understanding that it all was a huge mistake. I have the V/M....Thank you ****************;   & Thank you *******

   

  *******,  Not only what I wrote but they are making me pay back the ****** every month on the 20th...I can't afford to pay for that mistake & mind you the next payment isn't due till the 20th of Feb. But now they just sent this email to me see attached

  
  

  Best Regards ***************
  ************

  
  

  Business response

  02/16/2024

  MIDFLORIDA has resolved the matter directly with the member.  

• Initial Complaint

  12/14/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  this company calls everyday regarding payments. I am only two payments past due. They have been sending threatening emails regarding my payments telling me that I cannot make a partial and that I have to pay in full. The car that I received from them already has issues going on with it and I got the car at the beginning of August. All I am asking is for the threatening emails and calls to cease to a minimum. I am going to make a payment to them.

  Business response

  12/14/2023

  MIDFLORIDA Credit Union has no record of this individual being a member.

  Business response

  01/03/2024

  MIDFLORIDA Credit Union has no record of this individual being a member. 

• Initial Complaint

  12/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am concerned that the presence of this charged-off account on my ********************** report is not only inaccurate but is also adversely affecting my credit score and my ability to obtain credit. As per my understanding and the documentation I have, this issue was resolved, and therefore, it should no longer be reflected on my credit report.Account Name: Mid ******************************************************************** Amount Charged Off: $27,519 Amount Written Off: $18,604

  Business response

  12/15/2023

  The information MIDFLORIDA has provided to the credit bureaus is accurate as stated. As the documentation you mention states, the charge off amount is $18,604. A charge off means the credit union has written the account off as a loss although you remain legally obligated to pay the debt. Charge off accounts remain on credit reports up to seven years. Please reach out to our collections department at ************** if you have any specific questions regarding this matter.  

• Initial Complaint

  11/29/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am the *** for my dad. He has a loan for his truck through midflorida and I have been making his payments. I ran out of coupons in June and they said all payments are on line.My issue is he is behind on payments because I don't have his member number but I have his ss number and they don't let me in with loan number.Issue that needs to be resolved is I need to be on his account so I can talk to them about this and how I can enroll in there online banking.I emailed a copy of my *** to midflorida with no response in an effort to be able to make his payments.The problem is my dad is 99 years old with no electronic communications and I cannot respond to emails because they have not added me to his account. There answer is to go to a branch office and they will help but I love in Michigan that's why I was mailing in coupons and wad never replaced when gone.

  Business response

  12/04/2023

  We apologize for any inconvenience youve encountered in resolving these matters. Please reach out to MIDFLORIDAs Legal Support directly at ********************** to discuss your November 22, 2023 submission of the ***** of ******** document. The full ***** of ******** document may be sent electronically as a PDF to ***********************************,or mailed to MIDFLORIDA Credit Union, Attn: Legal Support, P.O. Box ****,********, ** *****. Loan payments may be made at www.midflorida.com/other/loan-payments/ using a loan account number and SSN, or you may mail payments to MIDFLORIDA Credit Union, Payment Processing, P.O. Box ****, ********, ** *****. 

• Initial Complaint

  11/29/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  At the beginning of October my cash app account was hacked and $210 was sent without my authorization. I contacted Mid Florida customer service to dispute the charge. The representative with Mid Florida had me 3 way call with cash app support and cash app support was not willing to help with the situation. Mid Florida issued me the credit for the dispute and then reversed the dispute amount leaving my account in the negative. My bank is suppose to be protecting me in these situations and Mid Florida customer support is not trying to make the situation right. I am being charged a daily fee from Mid Florida for my account being in the negative.

  Business response

  12/12/2023

  We regret that your payment app account was compromised and understand these matters are frustrating. As you stated, MIDFLORIDA attempted to assist you in obtaining a refund from *************** provider and provisionally credited your account while we continued to work with the provider on the matter. Unfortunately, *************** provider also declined our request to provide you a refund. Therefore, the credit union notified you on November 14,2023 that the provisional credit would be reversed on November 21, 2023. If you would like to request a copy of the documentation the credit union was furnished with by the provider, please reach out to **************. Again, we regret you experienced an account compromise with your payment app and the inconvenience this caused.

• Initial Complaint

  11/20/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  Having a car loan through Mid Florida is a headache. I just want to get bills in the mail and I want to see how much I owed left each time. My checking account was closed because of a mistake I made, which I am still trying to figure out how to resolve. Because of that I cannot log in and I have to pay my car payment by guest and never see how much is principal or how much is left to pay. I have gone to the bank to try to resolve the money I owe from checking account that was close and no one knows how to help me. I have called and left messages with the ******* office and no one have returned my call. All I want is to have my car loan bills mailed to me. I never even received the actual loan info I signed from the bank and I had to go into the bank after waiting for weeks to receive my first bill. I am disappointed that banking with them is such a struggle.

  Business response

  11/29/2023

  We sincerely apologize for any inconvenience caused by receiving your loan bills electronically rather than by mail. Your loan bill delivery method has been adjusted and you will start receiving them by mail. We also would like to apologize for any weakness in our customer service in trying to resolve these matters. Providing our members with excellent customer service is of utmost importance, so we appreciate you bringing this to our attention. If you need assistance with your accounts, please call our Help Desk at **************.

• Initial Complaint

  10/25/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  MidFlorida Credit Union froze my account and suspect I am committing fraud. I am not committing fraud. They will not let me access my account and have frozen all my funds. I am a 20 year decorated veteran of the US military, a 50 year plus member in good standing with the **** ******* Savings Bank, have a credit score of near 900 and longtime resident of Florida.. Please help me get MidFlorida Credit union to release my account. The fraud detection employees at MidFlorida Credit Union will not talk to me. I cannot travel to Florida to resolve this.

  Business response

  11/15/2023

  The account in question was opened online and funded with an electronic transfer.  Shortly after account opening, there was an attempt to transfer all the account funds.  The new account documents and debit card which were mailed to the address provided at account opening were returned to the credit union.  Based upon the circumstances, a temporary freeze was placed on the account to safeguard the security of the member's account.  The credit union reached out to the member at the telephone number provided at account opening and the member agreed to come to a physical branch with identification to unfreeze the account.  The credit union values its members, is committed to safeguarding member accounts, and looks forward to resolving this matter with the member once the member's identity is confirmed.

  Customer response

  11/20/2023

  I was out of town when the account was frozen and unable to come to a midFlorida branch until now. This week I will visit a MidFlorida branch in Manatee county to validate my Identity and attempt to recover the $1,000 that was in the frozen account.

• Initial Complaint

  09/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Our credit card received fraudulent charges on 06/24/2023. MidFlorida has not resolved the issue and the charges are still on our account as of 09/11/2023. We have never had this issue with any other financial institution. MidFlorida and their credit card company will not communicate with each other and we are stuck in the middle as customers with zero resolution.

  Business response

  09/15/2023

  We sincerely apologize for the inconvenience this may have caused. The adjustment to your credit card was made on September 11, 2023. If you have additional questions or concerns, please reach out to our Help Desk at (866) 913-3733 and ask to speak wtih someone in the card services department.

  Customer response

  09/21/2023

  
  Complaint* ********
  I am rejecting this response because:

  The foreign fee charges associated with the fraudulent charges are still on our account and have not been removed. Do we have to wait another 50 days for these to be removed as well?

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

  Business response

  10/05/2023

  We apologize this was overlooked when the initial adjustment for the fraudulent charges was made. The foreign fee adjustment was processed on September 28, 2023, with a one to two business day posting time. Thank you for bringing this to our attention and, again, we apologize for the inconvenience. 

  Customer response

  05/16/2024

  07/21/2023 - Received an automated call from Midflorida's fraud department regarding possible fraud for my husband and I's account. 07/21/2023 - Called Midflorida's fraud department regarding the possible fraud. The representative checked the debit card account, not the ********************** card account, and stated there was no fraud. 07/22/2023 - My husband checks his credit card statement online and notices unauthorized charges. He calls Midflorida's fraud department and requests that the fraudulent charges be cancelled and that the card is cancelled/a new card be sent in the mail. Midflorida agrees to do so. 07/27/2023 - My husband notices that two of the unauthorized charges have went through on the account. He calls ********************** and they tell him that the charges are being investigated and cannot be removed. 07/27/2023 -We call Midflorida's fraud department again and inquire about the charges. We also give them the police report case number because we have filed a police report regarding these unauthorized charges. Midflorida advises us that we can be held liable for any late fees that are incurred due to the charges being on the credit card statement. This is unacceptable. We should not be responsible for paying late fees for charges that are not ours. The charges are from ****, ****. We obviously did not authorize or go through with the charges ourselves. 09/28/2023 - We finally receive a refund and the charges are removed from the account. 04/26/2024 - THE FRAUDULENT CHARGES ARE BACK ON THE ACCOUNT. ********************** has no explanation, no resolution, and no refund. They are now blaming PSCU instead of taking responsibility. We will be taking legal action if necessary.

   

  Billing Adjustment

  Business response

  05/22/2024

  We appreciate you bringing this matter to our attention and we sincerely apologize for any confusion resulting from the reposting of the transactions to your account. This was an isolated case of human oversight. On May 3, 2024,a credit for the amount of $414.47 was applied to your account and is reflected on your most recent credit card statement. Thank you for your continued membership and patronage. 

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