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Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
06/20/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
The banks mobile app states there is money in the account but then I was hit with (6) overdraft charges in one day on (2) separate occasions. The bank refunded one $28 charge and refuses to refund the others
Business response
06/28/2024
Thank you, ******************, for expressing your concerns and sharing your feedback with us. Midcoast Federal Credit Union is dedicated to providing our members the best member service which includes properly assisting those with their concern. We have communicated with you regarding your concerns and resolved to the best of our abilities. Please reach out to a Credit Union representative should you have any additional questions or concerns.Initial Complaint
12/06/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
Shoddy banking poor customer service terrible calling queue waiting not customer friendly Help themselves to balance their books. Disregaurd for total income so what social security ***** should be way more.Business response
12/15/2023
Thank you, ****, for expressing your concerns with us. Midcoast Federal Credit Union is dedicated to providing our members the best member service which includes properly assisting those with their concerns and assessing their feedback. We have communicated with you regarding your concerns and resolved to the best of our abilities. Please reach out to a Credit Union representative should you have any additional questions or concerns.Initial Complaint
12/01/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
My boyfriend and I had an account with ********************** when signing up they ask you if you want to opt in to have if you bounce a check backup that covers it so it's not an embarrassing moment for you getting denied. We said yes to this and we went over what money was in our account so we actually ended up realizing tho that It really didn't matter if we Said yes or no the bank in fine print would do whatever they wanted do regardless of if you said yes or no. We contacted the bank tho and said no again we absolutely did not want them to cover if we went over and they actually corrected this and put money back in our account. I have my own checking account my boyfriend has his own and we share savings account. So again couple months later and I ended up going over in checking account and ended up having to get a fresh start loan but then again my payments were due on like the 15th of every month and 130 bucks . I ended up not paying it on time even though I was late the bank took 100 bucks out of my boyfriends account its a savings account tho and paid on some of the loan which would of atleast made the 130 dollar payment due and still closed my account didn't actually apply the 90 on my account it just disappeared. I am not happy about this at all i have called the bank they won't call me backBusiness response
12/15/2023
Thank you, ********, for expressing your concerns and sharing your feedback with us. Midcoast Federal Credit Union is dedicated to providing our members the best member service which includes properly assisting those with their concern. We have communicated with you regarding your concerns and resolved to the best of our abilities. Please reach out to a Credit Union representative should you have any additional questions or concerns.Customer response
12/19/2023
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.]
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,********
Initial Complaint
03/06/2023
- Complaint Type:
- Product Issues
- Status:
- Answered
My father was wiring me funds. I am disable with brain damage. I needed funds by a certain date. I live in another state. The bank requested that I send my DL to prove who I am, plus sent my SS Card, Adopted Birth Certificate, ************************ ********** Certificate, my Police ID when I was a police officer, the list goes on and on. The deadline passed, but they came back and said I sent them Fake ID and I was a scammer. I know that because I am adopted from Korea, I have a Korean face with a white name. The name and face don't match up. Then add the brain damage, the **** and other medical issues. My father is rich and I am poor. They just wanted to keep his money by saying my ID was fake. This has caused my father and I to wash hands of each other. He is ashamed of me because I now suffer with mental illness, I plan to contact and have **** who wants to also file a complaint. ********************* I do not at all care that he didn't send the money, but they scammed him and now our relationship is no more. This is very normal for people with mental illness, he doesn't want to deal with it. I should have had medical care as a child, but it is easier to say it's just a stage. Anyway. I am getting proof my DL is real and expect them to:Delete my personal information. How do I know they are selling my ID to scammers?I want them to apologize about saying my ID was fake.Business response
03/10/2023
Thank you, ******, for sharing your concerns with us. We appreciate your feedback. Midcoast Federal Credit Union is committed to ensuring our members safety and security when wiring funds. The documentation you provided has been deleted and we apologize for any inconvenience our current security policy and procedures may have caused. We do not have the ability to create or stop security alerts with Social Security. Please reach out to Executive Vice ******************************** ******************************** at ************ or ************************************ should you have any additional questions or concerns.
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