Business ProfileforLGE Community Credit Union

I am writing to file a formal complaint against LGE Credit Union regarding their handling of my account and banking practices.Upon opening my account, I was required to open a savings account with a $5 deposit. I then had to send a PAPER paycheck, and clearing the funds for my checking account took several weeks, during which I was unable to access my money. This delay was inconvenient, but what followed was much more concerning.I mistakenly drafted a small amount from my savings account through PayPal, leading to an overdraft fee. I promptly informed LGE Credit Union via email, requesting a refund. Despite my timely communication, LGE took no action.Without any warning, my account was restricted, leaving me unable to access my funds or view my balance. When I contacted LGE Credit Union to resolve the issue, I was transferred to a rude/hostile collections representative, who informed me that I would need to pay $40 to regain access. I was also told that had I contacted them sooner (which I did via email), the fee could have been waived. This was not communicated to me in any way.Due to the account restriction, I have been unable to monitor my account, resulting in additional overdraft fees from automatic payments. This situation is exactly what I sought to avoid by choosing a credit union over a traditional bank. LGE Credit Union has failed to meet the standards of service and transparency that are expected.Additionally, while my account was restricted, a Zelle payment of $160 was accepted, despite my lack of access. This money is now effectively lost, and I hold LGE Credit Union responsible.LGE Credit Union has demonstrated that they are more interested in collecting fees than providing fair and transparent banking services. I am requesting that LGE Credit Union:1. Restore full access to my account without the $40 fee.2. Refund all overdraft fees incurred due to my account being unfairly restricted.Thank you for your attention to this matter.