Business ProfileforFirst Liberty Federal Credit Union

On November 22, 2022, I opened multiple Chargeback dispute cases with my credit union. The payment methods were similar for All disputed transactions with the same merchant for identical goods and services.Financial institutions are given ten days to resolve a dispute, and the window can be extended for up to 90 days for some rare scenarios. Laws protecting consumers do not allow for a day beyond a 90-day window, regardless of the circumstances. Approximately one quarter of the disputed transactions were approved after the credit union investigated for 140 days. The remaining cases were not closed until May 9, 2023, which is 190 days after I opened the dispute case. I have legally obtained audio recordings of numerous credit union representatives stating the remaining cases were never looked at or investigated. As we stand, the credit union broke various consumer protection laws and rules set forth by the federal government. Here are just a few of the issuse I have had over the 190 day nightmare experience. 1. Failure to properly notify me, the cardholder, within 3 days of determination and resolution of Disputes. 2. Failure to close the investigation and fully resolve the Dispute cases within 90 days of disputes opening. 3. Failure to provide explanation for determination of the dispute resolution. 4. Failure to inform me of my right to request evidence submitted that supported the determination and resolution of the disputes. 5. Failure to provide Provisional credits upon request within ten days of dispute cases opening. 6. Failure to provide a notification of resolution of disputes with all details required in order to comply with federal law. 7. The credit union failed to deliver letters informing me of steps in the investigation process, as required by **************** addition, I made over a dozen requests for the credit union to fix and error they commited with my mailing address. I can prove it still has never been corrected.