ComplaintsforHealthCare Associates Credit Union

• Initial Complaint

  02/14/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I am writing to file a complaint against H313235333431383530**H, ********************************************************************************** for what I feel is an inappropriate fee charged against my "free checking( share ****)" account from January 2022 through December 2022.I had $ ***** of my bi- weekly paychecks being direct deposited to my HACU account ********** Money Market (Share ****) and then $0.50 transferred from this money market account to my free checking (Share ****) account at the same time.Since I normally didn&#**;t write any checks or make changes to my accounts I seldom looked at my monthly statements when they came in. I did however look at the December statement when it came in and seen a $10 inactivity fee on the free checking( Share 002) account. The same day, I believe it was January 12, 2023, I called HACU and questioned who authorized my bi-weekly transfers from Money Market (Share ****) to Free checking ( Share 002) to end. The person I spoke to told me the authorization is still showing but my paycheck deposits started coming in form a different source in January 2022 and because of the way H32353138**3236323535H&#**;s System is set up the transfers ceased. She then asked if I wanted her to restart them. At first I said yes but then I asked if I would be refunded the $120.00 charged in error and was told that her supervisor informed her they closed their books for the year and could only go back 4 months. I told her in the case transfer all my money to my checking account and I would be writing a check for the full amount I have in their bank and close my account. She told me they need to close the account so she would send me a check which she did. The check only included $40 reimbursement of these fees. My compliant is that I feel HACU owes me an additional $80 for the fees I was charged from January through August in addition to the $40 they reimbursed for September through December. They told me nobody authorized the stoppage of the transfer but that it stopped because of the way their system is set up. This does not sound like something I have any control over or should be liable for. The person I spoke to also stated that I should have been looking at my statements monthly in order to avoid errors on my account. I believe this would be fair if something changed with their fee schedule and I missed reading it on the statement but this is not the case. This simply has to do with the programming of their system that only they have control over. The fact is they stopped my transfers without my authorization and if this hadn&#**;t happened I wouldn&#**;t have been charged these fees. This was clearly a problem on their end.I don&#**;t know who regulates Credit H343233**373033373835Hs in the state of ******** or I would have filed my compliant with them. Since I don&#**;t know who regulates ******** Credit H343233**373033373835Hs I am asking you to check into this matter and let me know what is right and proper. If my compliant needs to go elsewhere please let me know where and how to contact them. Thank you, *******************************.

  

  Business response

  09/11/2023

  ****** contacted HACU on January 13, 2023 in regards to inactivity fees charged to her checking account.  She wanted all fees refunded and staff only refunded $40.  ****** cited that HACU cancelled her monthly transfer of .50 cents to her checking account without her consent.  What actually occurred (through no fault of HACU) is that the members ACH deposit company changed their company name, as a result, HACUs computer system could not find a match and the transfers of .50 into her checking account stopped occurring.  Since the transfers to her checking account stopped occurring, the members checking account started to incur monthly inactivity fees of $10 on a monthly basis beginning with June 30, 2022 and ending with December 31, 2022 for a total of 7-fees in the amount of $70.  When the member called the credit union to request a refund, she admitted to getting her monthly statements reflecting the fees; but, never opened the statements.  Due to HACU staff refunding only $40 as opposed to the entire $70, the member decided to sever her relationship and account with HACU and closed her entire account with HACU.
   
  All large dollar account closures are reviewed monthly by HACU upper management and even before receiving a letter from the member indicating her intent to report HACU to the BBB, the ** of ****** Services had contacted her via phone to inquire as to why she closed her account, as well as, a quality check call.  It was on this call that the **-****** Services realized that a newer employee had erroneously thought there was a dollar limit on inactivity fee refunds (there is not).  The **-****** Services issued an additional refund in the amount of $30 to make the member whole and apologized about the inconvenience.  The **-****** Services had personally called the member, explained the situation, issued an additional refund in the amount of $30 and apologized to the member.  The call ended on a positive note and a check was mailed to the member for the additional $30 refund on February 10, 2023. 
   
  If you have any questions, comments or concerns do not hesitate to contact me directly.
   
  Best regards,
   
  *********************
   

• Initial Complaint

  01/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I opened an account with the credit union in 2017 with $300. This is a savings account and I was not planning to use the account except for savings. In 2021 Healthcare Assoc Credit Union closed the acct for inactivity. They never called, just sent letters that I filed away without reading, as it was a savings account. My money was transferred to the state of ******** unclaimed funds in Oct last year, all without ever receiving a call. I have dealing with the state of ******** unclaimed funds and they don't have any record of my money, but are also in arrears. No resolution still.

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