ComplaintsforFedEx Employees Credit Association

• Initial Complaint

  05/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The Fedex Employees Credit Union has led me on for a whole week, having me believe I was going to be able to finance a car through their auto loan program in which I was approved for. They had me get insurance and a purchase order AND bring my current accounts with them back to positive status (which I never owed them anyways but paid just so I can get the car) All just to tell me in the end I will not be able to get the car I EVEN THOUGH I AM APPROVED FOR THE LOAN! I paid for insurance already which I have to now cancel... They knew from the very beginning what car I was going for and should've told me that I would not be able to get the car instead of approving me for a loan and having me go through every single step which takes quite a long time when you are dealing with them.I want reimbursement for my time and money spent. This is not how a business should operate. If I was approved for the loan, give me the loan so I can get the car and let me pay you monthly! Why are they complaining about the car I chose??? I am approved! I sent the car VIN number and info the very first day when I signed up! There was nothing hidden on my end here! Make this make sense!

  

  Business response

  05/23/2024

  FedEx Employees Credit Association acknowledges ********************** frustration arising from the anticipation of securing financing, and we sincerely regret any resulting inconvenience. We highly value and appreciate the efforts ****************** invested in preparing for his purchase, including obtaining insurance and ensuring the good standing of his accounts.
  
  ********************** loan application was processed in accordance with the lending guidelines established by FedEx Employees Credit Association. Regrettably, the maximum allowable auto loan amount, determined by the **** value of the intended vehicle, did not meet the required criterion. ********************** designated loan officer contacted him on 05/22/24 to communicate the lending decision, its underlying reasons, and to address any queries he may have had. Furthermore,****************** was informed that his loan approval remains valid until the expiration date specified in his pre-approval letter, should he choose to pursue an alternative vehicle purchase.
  
  We once again extend our sincere apologies for any inconvenience ****************** encountered during his endeavor to secure financing through the Credit Association. Should ****************** wish to further discuss this matter or explore alternative financing options, we encourage him to reach out to the Credit Association directly.

• Initial Complaint

  03/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with FEDEX EMPLOYEES CREDIT and I do not have a contract with FEDEX EMPLOYEES CREDIT plus they did not provide me with the original application like I asked.

  

  Business response

  03/07/2024

  Upon notification of ********************** ****** complaint and in compliance with the Fair Credit Reporting Act (FCRA), we conducted a thorough examination of all credit reporting records under his name to ensure accuracy and adherence to reporting regulations. Our review confirmed that all information associated with ********************** **** is permissible and accurately reported.
  
  The credit reporting disclosures were initially provided to ********************** **** in his original loan contract and within the membership agreement he was provided when he established his membership account with **********************. 
  
  On March 7, 2024, we notified ********************** **** via email of the results of the credit reporting review. Along with the review findings, we informed him that we would be happy to provide copies of his loan agreement and/or membership agreement upon request. He can reach out to the credit association at ************, send a secure message via our *** online banking portal, or complete a secure message request form on fecca.com to obtain these documents.
  
  

• Initial Complaint

  01/31/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am filing this complaint due to what the **** has described as "surprise overdraft fees." I was charged overdraft fees even though there was money in my account. The **** has stated that these types of "surprise overdraft fees" are likely illegal, furthermore they fined ************ $50 million dollars because of their use of these types of fees. I will be filing a complaint with them after this complaint. I was told that the reason I was charged overdraft fees is because there was a pending transaction at the time of the transactions that was going to take my account into the negative, so these transactions that were not going to be in the negative were assessed with the overdraft fees, and I will not be refunded the fees. The following are the transactions I am contesting: A charge from January 3rd which shows that after the O/D charge I still have a balance of $22.31.Another charge from January 3rd after a transaction from Popeyes. The transaction from Popeyes was $12.08, which left me with a balance of $10.23. I was charged an O/D after this transaction even though I still had a balance. January 10, I got charged an O/D fee after I got gas even though I still had a balance of $79.64. After the O/D fee, I had a balance of $49.64.I then got ********** for $15, taking my balance to $34.64, I got charged another O/D fee, which then took my account to ********** on Jan 10, had a transaction of $29.99, my balance should have been $64.64, because I should not have been charged the 2 previous O/D fees. But, because I was, this did take my balance into the negative. On Jan 23, after I got gas, I had a balance of $31.48, but was charged an O/D fee.This O/D fee took me down to $1.48, the next transaction of $6.54 caused me to O/D even though I should have had $31.48 in my account if not for the previous O/D fee. This caused another O/D fee. This is a total of 7 overdraft fees that I would like to contest for a total of $210.Thank you,*****************************

  

  Business response

  02/02/2024

  FedEx Employees Credit Association takes all member complaints and concerns seriously and is committed to assisting our members whenever possible. After a review of ********************** complaint and account records, as a final courtesy, we have refunded four additional fees. Our review also indicates that ******************** has been provided ten previous refunds.  He has been counseled on how the fees in dispute can be avoided and provided information on how he can remove this optional service from his account. Based on our findings, any additional fee refunds are not warranted. 

• Initial Complaint

  01/30/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  11/16/24 - I am a 79 year old man and suffered an eye stroke so i have limited vision. My internet service was part[y disabled. I asked a friend to find the number to my IP who is Xfinity, She googled an found this no. ************. When i called the said they were technical support for Xfinity and could get me on line but had to check if my payments were in order. I said im on monthly autopay.. They asked for my debit card number on file so they could do a test to verify it. So i gave them my card number which Xfinity already had. Then they asked me to type Xfinity/any desk.com so they were able to control my computer. I watched as they began to order 2 Gift card granny from Target. I told them i didnt want any gift cards. but they said it was just a test. they restored my internet service at same time debit my bank account $450.00 I was scammed.

  

  Business response

  01/31/2024

  FedEx Employees Credit Association takes all members' concerns seriously and we appreciate ****************** for bringing this issue to our attention. Following a full review of Mr. ******** account, we have determined that an account ********************** is warranted. A credit association representative has contacted ****************** to make him aware that a full credit for the amount in dispute has been applied to his account and to sincerely apologize for any inconvenience he has incurred.

• Initial Complaint

  12/10/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I am not liable liable for this debt with FEDEX EMPLOYEES CRED I do not have a contract with FEDEX EMPLOYEES CRED, they did not provide me with the original contract as I requested.

  

  Business response

  12/13/2023

  FedEx Employees Credit Association takes all member disputes and/or concerns seriously. A complete review of the members' account was conducted to ensure that all reporting guidelines were followed and to ensure there were no errors.In response to **************** complaint, the credit association has provided *************** with copies of his account agreement and other pertinent documents as requested. While FedEx Employees Credit Association cannot provide specific information related to the members account due to privacy, we can confirm that his account is being reported in accordance with the **** requirement to report all accounts accurately and fairly. Should **************** have any additional questions or concerns, he can contact the credit association directly and we would be happy to assist him.

• Initial Complaint

  10/02/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I was attacked by a German ******* on 9/5/23 while on my delivery route at Fed Ex Express. I have since then been on medical leave. I finally received a check from FedEx Express ********* Comp. The check drafted from ***** *********** There isn't a brick and mortar fecca in ******* where I reside. So I went to a shared branch in *******, ** to deposit the check into my account. I was unaware that they put a hold on my check until the 9th of October. Had I known this I wouldn't have deposited it. I have bills that are going to be late and I am also going to incur late fees. I called Fecca and they stated that they couldn't verify the check due to it being a shared branch and they also stated ***** Fargo didn't verify checks. So if they refuse to remove the hold from the check then I think Fecca should be responsible for the late fees from my power co, water co, car insurance and car payment. Because I have never heard of a bank not willing to verify a check. I am still off work so it's not like I have additional income coming in. This is totally ridiculous.

  

  Business response

  10/03/2023

  FedEx Employees Credit Association sincerely apologizes to ************** for the inconvenience she has experienced regarding her shared branch check deposit. We take member concerns very seriously and have ensured that the appropriate procedures were followed in this matter. Our agents were actively trying to assist ************** throughout the process and were able to obtain the verification needed to release the hold this morning. ************** has been notified that the matter has been resolved, and her funds have been released. If she has any questions or additional concerns, we encourage her to reach out to us for assistance.

  Customer response

  10/07/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept their proposed resolution.

  
  Sincerely,
  
  ***********************

  4132 *****************

  *********, ** 35049

  
  

• Initial Complaint

  08/21/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have reached out to FedEx Employee's Credit Association via phone on numerous occasions to dispute the error they are reporting in my ChexSystems file. However, each time I call I am routed to a department that says they cannot obtain my account information since it is closed. I am in receipt of my ChexSystems report, and there is inaccurate information reported in my file. FedEx Employee's Credit Union is reporting an unpaid balance which is inaccurate. The outstanding balance has been paid, and I have attached a copy of the money order that reflects it has been paid in full.According to the Federal Fair Credit Reporting Act Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. At this time I ask that the inaccurate information be removed from my ChexSystems report effective immediately. .

  

  Business response

  08/22/2023

  FedEx Employees Credit Association performed a review of Mrs. ***** account and the reporting in dispute. Upon review, it was found that a payment was received by US Mail on 07/13/2023 and applied to the negative balance owed by *************. After confirming receipt of the payment, an update was submitted to ChexSystems requesting an update be processed for the reporting to show that Mrs. ***** account was Paid in Full on 07/13/2023. A FedEx Employees Credit Association representative contacted ************* to apologize to for the delay in updating her ChexSystems record and advised her of the update made today to correct her ChexSystems reporting. We sincerely apologize for any inconvenience or hardship this error may have caused ************ and have taken all necessary steps to rectify this issue to her satisfaction.

• Initial Complaint

  05/02/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Last Sunday I noticed that a business name Progress Residential took $335 out of my bank account. I contacted my bank on Monday morning and disputed the charge. Fecca canceled my debit card and told me about provisional credit, etc. My money was returned the next day. 1 week later, the money is gone again. No one can give me a real answer on anything. I've even tried to contacted the business and they won't answer calls or reply to my emails. $335 of my money that I work hard for is gone and this bank won't do anything about it. I want my money back. I shouldn't have to contact these imaginary businesses about transactions that I didn't do. I trust the bank with my money so I should be able to trust them to do what's right when some scammer has stolen my information.

  

  Business response

  05/03/2023

  **************** filed a dispute on April 24, 2023, stating that her account had a recent fraudulent transaction from Progress Residential in the amount of $335. Upon receipt by our ***************** provisional credit was given while the issue was investigated on her behalf in hopes of resolution. On April 25, 2023, FedEx Employees Credit Association filed a chargeback request with **** with the information provided by ****************. On May 1, 2023, we received a denial from **** on the grounds that the merchant,Progress Residential, provided evidence of **************** having entered into a rental application agreement with terms and conditions that included a non-refundable fee. Due to ****s denial, the provisional credit was withdrawn. **************** was informed that ****, not FedEx Employees Credit Association, made this determination. She was provided with the documentation that was received along with the denial. While we understand and regret that this has caused frustration for ****************, her dispute lies with the merchant. 

  Customer response

  05/03/2023

   
  Complaint: 20008767
  
  I am rejecting this response because: Just because a business lies and tells you that I did something absolutely does not mean I did. I have even tried to contact them to see what on their website could have costed that amount of money and they won't reply to my emails or answer my calls, so I find it hard to believe that they replied to anyone with anything. No one at Fedex has told me anything other than they were going to have someone call me back. I said I didn't do the transaction and I mean that and I want my money back and I WILL GET IT BACK ONE WAY OR THE OTHER!
  
  Sincerely,
  
  *****************

• Initial Complaint

  03/02/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Feb 27th 2023. Please refer to BBB compliant case # is 5e5695f1-b911-11ed-9fd2-0e63a05a1194,I am requesting all $30.00 courtesy fees that have been charged after 2/27/2023 to be reimbursed currently there is only 1 outstand. When I went into the Branch on 3/1/2023 to file a dispute in the ************ Location the representative ***** was very help. And she called while I was in the office and was also informed that they were researching the dispute. I have requested that the **** charge in the amount of $3,2000 to be disputed, that was the original amount which was incorrect and the next morning I was charged $3,742 which is still incorrect. I have attached my email chats with the FedEx Credit Union. On Monday I was informed I need to file a dispute by *** (Branch Manager) and. Tuesday March 1st, I gathered all receipts and contact **** per my instructions and asked why was I charge this amount. ****** the **** manager blamed it on **** entirely and said he would text me the contact information and the new receipt. And I never heard back from him. On March 2,2023 I went to the branch and filed the dispute, and on March 3, I followed up like I was informed and then received a nasty message from the chat representative (which I have attached the screen shots telling me all of this information) that I argued with the ***************, why would I argue with someone who owes me money. I am requesting research on my debit card limit I was informed that my $2,500.00 limit is still in place and it's in place for a reason. Attached you will find my **** contract, that states nothing about a forced transaction process, you will find the **** receipts where I never signed but received 2 separate receipts via email, one for ~$3,200 and ~$3,700. I am requesting like I requesting in my dispute that this transaction be labeled as a fraudulent unauthorized transaction and be reimburse me for checks and bills that have now been return since my account is not overdrawn ~*****.

  

  Business response

  03/03/2023

  Following the events described by *******************, FedEx Employees Credit Association management spoke to her over the phone. ****************** was advised that the Credit Association would attempt to dispute the charges on her behalf with the **************************. She was also advised that this was not a guarantee of the funds being recovered, and that some merchants,including rental car companies, have certain rights allowing them to force post charges according to their contracts. While FedEx Employees Credit Association cannot guarantee that the **************************, will honor our request, it is our hope that we can resolve this issue on Mrs. ******** behalf.

• Initial Complaint

  12/14/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Head teller; pun intended ********************* was extremely rude and not helpful nor caref to solve the issues soley created by FEECA I CLOSED MY ACCOUNT 3 days after opening due to the deceptive practices when I opened accounts (checking & savings) I was given a credit score 585, same day I applied for a personal loan and reason for denial was credit score under 575 however on the loan application the credit score was 485 exactly 100 points less than the credit score they issued on my checking and savings at 585 on the same day. So i ask myself hows it possible that my credit score dropped exactly 100 So i determine this wasnt the case and they were predatory lenders and deceptive and I wanted nothing to do with this business with them whatsoever after this point. Close accounts at the beginning of November come to find out without my consent the switched my checking account to an account with a much higher monthly fee and just not a good accountni wouldve jever agreed to so i write them an email and tell them they dont have my consent to deduct any more money from my Fedex paychecks, they inform me this could take up to two weeks they didnt close until ny second phone call on November 28th. They say theywould send money hack to fedex and then my employer would mail a paper check although they have my other banking info where 100% of my check goes other than my in-house deductions that went to fedex credit union, they allegedly mail a check that I never receivedso i call 12/13 and talk to local manager in ************ and he says he has to call accounting verify it wasjtncashed and then het back to me hendoesnt call back so the following day i call and thebHead teller extremely rude and refuses to pass my call to manager and they are whispering in background she then says Ill need to come in and sign Affidavit of Loss and they could reussue me a check, i get there sign paper and she says they will get back to me i say no i drive 23 miles one way and wasnt leaving until i get my money ive been trying to get for over a month, she says you can have a seat but i dont know hownlong it goes, i say ill stand the security guard tells me Sit Down and Button my lips and shut up i saud do not tell me what to do this is America and i have rights he then says get out of here i said after i get my money i will leave he says you need to leave now and as i start toward the door he gets in my fave and outs one hand on my spine and other on right shoulder thst i just had soent thousands of dollars on to fix rotator cup and digs his thumb in and shoves me all way thru the dood into parking lot and onto hood of my car denting my car. All becaaue i wanted my mkney they refuse to give me. I call corporate they put me on hold for 30 minutes and she says i can go bsck get my money! When i get there they have a check for half of the amount they owe me i said no this isnt how much money i am owed i had this taken out of each check according to ADP she plays stupid like she is and stalls me out stalls me out. Long story short this place is trash and they refuse to give me my money. And to top it off fedex had been shorting me **** an hour forbtje past month. I was physical assaulted by Blue line Security inside of this place all just trying to obtain my money that i worked very hard for. Not to have my shoulder reinjured, my car dented, and half the money!! Stay clear away. WARM REGARDS ************ *******

  

  Business response

  12/16/2022

  We are very disheartened by Mr. ******* recent experiences interacting with the Credit Association. FedEx Employees Credit Association takes member complaints seriously and upon notification of the incidents an investigation was begun immediately. Due to the nature and confidentiality of certain aspects of Mr. ******* complaint, we are unable to provide detailed information regarding specific resolutions. **************** has been contacted by senior management who were able to clarify the scoring discrepancies and apologize for his experiences. Stop payments were placed on the checks *************** did not receive for his payroll deductions and the funds have now been returned to him in full. At this time, FedEx Employees Credit Association has resolved and rectified Mr. ******* complaint.

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