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Complaint Details
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Initial Complaint
06/29/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I never had any issues with RTN now the company was transferred to this new company Merrimack Valley Credit Union . I never had a checking account and never used it . All my bills were paid through my savings account. They claim that my credit card payment were from account checking account. I spoken to two different customers services people and they indicated that they promise someone going to get in contact with me. But yet I get email stated that I needed to pay them and today withdrawal payment letter that I needed to pay them. But I still haven't received an phone call.
Business response
07/10/2024
Merrimack Valley Credit Union takes member concerns and complaints very seriously. Due to Privacy considerations, we are unable to provide a detailed response to specific situations publicly. However, Merrimack Valley Credit Union has a formal process to review each and every complaint and strives to resolve every potential issue to our member's satisfaction. We welcome any member with a complaint or concern to contact us directly and allow us to work toward a satisfactory resolution.Initial Complaint
04/24/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am urgently contacting you to address the discrepancies on my credit report resulting from the sharing of my personal information with credit bureaus. This has caused significant financial and emotional distress.As outlined in 15 USC 1681 Section 602, I affirm my right to financial privacy and expect my information to be treated confidentially.Furthermore, under 15 USC 1681 Section 604(a)(2), a consumer reporting agency is prohibited from disclosing account details without my explicit consent, which I have not provided.The inaccuracies associated with MERRIMKVALCU have negatively impacted my financial situation, necessitating immediate correction.Additionally, I stress adherence to 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under specific circumstances.Below are my account details for your reference:Account Number: ****************I urgently request a thorough review of my account, prompt rectification of the credit report inaccuracies, and strict compliance with federal laws governing my information.Failure to address these concerns promptly may result in legal action. I appreciate your immediate attention to this matter.Sincerely,*************************Business response
05/03/2024
Merrimack Valley Credit Union takes member concerns and complaints very seriously. Due to Privacy considerations, we are unable to provide a detailed response to specific situations publicly. However,Merrimack Valley Credit Union has a formal process to review each and every complaint and strives to resolve every potential issue to our members satisfaction. We welcome any member with a complaint or concern to contact us directly and allow us to work towards a satisfactory resolution.Initial Complaint
12/18/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
Hi I was charged 3 over draft fees from an unauthorized company named Changed that I never heard of. I called customer service to resolve this issue by stopping the unauthorized charges and waiving the 3 overdraft fees. I recently lost my job and ** struggling to buy food and pay my bills and make ends meets for me and my family. Ive been a loyal client with your credit union for over 10 years and will like to remain so. I will like if you can please have the one time courtesy of waiving the 3 overdraft fees that amounts to 75 dollars and stopping the unauthorized charges from Changed that I never heard of. It is the holidays and I will like if you can please have the courtesy by doing the right thing and waiving these 3 unauthorized fees. Please call me at ********** to resolve this issue as soon as possible, thank youBusiness response
12/22/2023
Merrimack Valley Credit Union takes members concerns and complaints very seriously. We have reached out to the member to resolve the unauthorized transaction as well as the overdraft fees. The Credit Union has placed a stop payment for the unauthorized ACH transaction and the overdraft fees that the member incurred have been rebated.Initial Complaint
12/18/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
In September I'd set up automatic payments to come out of my bank account at discover to pay for my loan. I was not advised on the website that my ************* was not part of an agreement that they could withdraw from. So it's been impossible for me to make payments on my car loan because they won't take money from a valid bank that I have. I have tried doing wire transfers and they've given me wrong information multiple times leading to my car being impounded and having several days of impound fees charged. Their lack of direct communication also led to me not knowing that this wasn't being drafted out and my car getting impounded. Since I found out at 9:00 at night Wednesday December 13th I've been trying to make payments. It is physically impossible to get over $3,000 in cash from any bank right now. They refused to take an ACH and have returned wires I have sent to them. At this point I have no ability to pay them apart from pulling out $500 in cash everyday and then handing it to them leading to $100 lot fee on top of the fees I already have.This loan was given to me in a predatory manner as well. I desperately needed to refinance my loan so I could register my car in a state that required a title in physical hand. New Hampshire did not recognize that and so I had to refinance to get a hold of my physical title. I never saw what my monthly payment was, I never saw what the percentage of the interest was, and I signed blankly because it was the only option I was given. After 9 months of not having a car I was very much cornered.It seems absolutely ridiculous that they can't accept money from other banks just because they refuse to have a contract with them. The only except **** and ******************* You can't even use a MasterCard so I can't even put money in venmo and have them charge that. This is the most impossible bank to pay a loan on. At this point I'm about ready to say keep my car because They literally won't take my money. I'm beginning to feel they just want my car. It seems like a really unfair business practice. And because of the damage they've done to my credit I now can't open another banking account to even attempt to transfer through some other means. They have bent me over a barrel and tied my hands and legs.Business response
12/26/2023
Merrimack Valley Credit Union takes member concerns and complaints very seriously. Due to Privacy considerations, we are unable to provide a detailed response to specific situations publicly. However,Merrimack Valley Credit Union has a formal process to review each and every complaint and strives to resolve every potential issue to our members satisfaction. We welcome any member with a complaint or concern to contact us directly and allow us to work towards a satisfactory resolution.Customer response
12/27/2023
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
[You must provide details of why you are not satisfied with this resolution. If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
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FAQ
Regards,********
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