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ComplaintsforGateway Metro Federal Credit Union
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Complaint Details
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Initial Complaint
07/09/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
The Credit Union is trying to tell me that when I have funds on hold they are not available and therefore when another charge come through the money is not available. Based on my history ofon line baking the information i do not find the fees to be justified (see highlighted) and it there word or mouth they provide to apply fees . The yellow highlighted fields is what i do question. They DID refund the blue highlighted 1 charge as a courtesy. If they are going to charge me the fees I need supporting documents to show where my endiong balance was a negative before they appy the fees.Business response
07/27/2022
We provide our members online banking access to see the current balance and available balance at any given time on their account.
The current balance is the amount of cash presently sitting in a checking account at any given time. However, the available balance is the current balance minus any pending transactions that haven't been fully processed yet and are on hold.
When a member authorizes a merchant to debit their account depending on the merchant it can sometimes take 2-3 business days before the amount(s) is subtracted from the current balance.
We have returned fees from her account several times in the past and have recently refunded a fee this month.
We will be happy to speak with her if she has any other questions regarding her account.
Thank you.
Customer response
07/27/2022
Complaint: ********
I am rejecting this response because:
when i review my on line banking (that is why i signed up for it to make sure this would not happen) it does show the amount available and they are pending to come out on a particular date. When i have a pending deposit you dont apply it to the account till that date??? All I need is SUPPORTING documents to show it was paid on the pending date and the cash was not available because my on line banking does not support your decision. In the past when you advise my auto deductions caused the overdraft i had to take your word ---but now that i have on line banking I can see it does not support
Sincerely,
**** ******
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Customer Complaints Summary
1 total complaints in the last 3 years.
0 complaints closed in the last 12 months.