ComplaintsforMemphis City Employees Credit Union

• Initial Complaint

  06/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  June 17th 2024 I went to get food my for small now starving 2 boys and attempted to use my debit card at Kroger for $130.77. I attempted the trans but the pin failed so an attempted it as ********************** it still declined! Since I work for a different bank I figured it was fraud or something and tried to reset the pin in app but it doesnt give the option. Tried to link it to my cash app to transfer money and it declined and I checked my email and noticed the alerts! I called and spoke to a very rude lady who verified the trans verified me verified cash app etc ITS MEE!!!!! and said youre good to use the card etc. I asked her to hold for one sec no I didnt want any problems! She said no sorry I cant hold just call back! And literally hung up!!! I looked at the phone said my bank is so rude and proceeded to use my card! Its declined again sec times!!! Now in ****** bc this is now 20 minutes later we should be home making dinner now!!! I call again this time the wait is even long and get a different girl! Yes now in irate and cursing bc WTFFFF!!!! This is embarrassing and yall are starving my kids and I and causing life hardship!!! Ive never dealt with this ever in my 32 years of living! After this 2nd girl put me on hold for 10 minutes she comes back and does THE SAME THING verify everything then say thank you but you still not gonna be able to use it bc we cant remove this block! You have to call member serv when theyre open!!!! So you mean to tell me my kids and I cant eat tonight bc I chose this bank and yall are detaching me from my funds and well being, starving my kids and I? I got a manager who hung up on me. Called back and got another manager who seemed as if SHE DID NOT GIVE A F*** She told me to stop cursing. And was nonchalant AF!!! I need corporate involved bc I need monetary compensation due to this inconvenience!! Each associate GAVE NO F*** about my time, making life easy, or my well being!! Case number 9045 is what the last trifling ahh hungup!

• Initial Complaint

  09/06/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  They stand behind and support employees lying to their members about products and services, lying to the police ABOUT their members just to get what they want, employees getting involved in the personal private family affairs of members, abusing their positions to lie to the police and have the police going to our home and place of employment , harassing members, and threatening members. When these things were reported to management, we were told we would be informed of results. No one ever called us back and we were brushed off when we called to check back. Twice. We have been harassed and abused by 3 credit union employees based on lies to the point we can't even go into the 2 branches closest to us and are having to close our accounts. Not to mention the trauma our 4 children have endured bc of this. Management stands behind these people and no one will tell us why this is happening as if we have done something horribly wrong but no one wants to tell us what. We have no clue why these people are acting this way and why management is allowing it

  Business response

  09/26/2022

  Tell uSeptember 19, 2022
  RE: ******************* Complaint Activity Report Case #********
  This Response is regarding a Complaint filed by ******************* with the Better Business Bureau Consumer against the Memphis City Employee Credit Union. The complaint indicated that MCECU employees harassed and threaten members.
  On June 27, 2022, ************************** made a complaint as it relates to MCECU employees which includes her daughter, and the member service in which she receives at both branch locations nearest her home. She also discussed auto insurance, her daughter having access to her and her children accounts, and details of private family matters regarding her daughter and one of MCECU employees.
  We assured *************** that we value her as a credit union member and want her to feel comfortable at all MCECU branch locations. ***** answered her questions and concerns relating to auto insurance. The credit union also informed her that MCECU have parameters and restrictions that employees cannot view their own accounts or family members accounts on our core system. In addition, ***** advised *************** that management would discuss her concerns with staff.
  On June 29, 2022, ***** contacted ************** informing her that management discussed with staff her concerns in which she identified. After receiving this complaint, on September 7, 2022, listing ******************* as the complainant, *********, *************************** spoke with *********************** to listen to his concerns and complaint while informing him of the previous outcome from ***************** verbal complaint in June, which are the same issues. They were both advised if anymore concerns, to please give us a call.
  MCECU staff made every attempt to promptly resolve this matter. We value our members,our staff and our organizations reputation.
  If you need further assistance, you may contact us at ************ or **********************************
  Sincerely,
  *****************************
  Chief ******************** why here...

• Initial Complaint

  05/25/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Began 04-21-22 Not willing to work with it's members and Not Trustworthy. Car payments where 53 days behind (ultimately, my fault) however, instead of a late notice (certified letter usually) of any kind they sent a Repo Truck (who also did not follow MS ***** Laws and is another issue). Called and spoke with a ************** the next day to explain but he would not listen, interrupted and was completely unprofessional and extremely Rude...He would not allow me to make payment for missed Month and demanded the entire Loan Balance be paid within 10 Days, $15,381.10! So, during the next 10 days I gathered the full pay off amount and returned with cash. I was told to deposit the cash into my savings account, which I did. They immediately applied to Loan Balance and quickly gave me the title and car...My Biggest issue is that while my vehicle was in the ***** care (locked in a gated storage lot) some ***** Employees took my vehicle out for a joy ride, stole my Dashcam by breaking it off the mirror, left trash all in it, ran it out of gas and I had to replace a tire as it was leaking air, not to forget that the left turn signal was also out. I can prove it was driven while in the ***** care because the employee's also left receipts with Dates and Times showing someone was using my vehicle during that time. I can't imagine this is allowed at any Financial Institution. I am out money for repairs and will have to replace the Dash-Cam and I'm sure the vehicle was driven Hard causing excess wear and tear not to mention the extra mileage and gas they used. About $1,500.00 They obviously did not expect us to return for my Durango and used it for Joy ****** but left plenty of evidence including finger prints and Video from Taco **** Purchase. Used the Receipt they left in the truck to track down video!

  Customer response

  05/25/2022

  See Attachment/File: Attachments

  Business response

  06/15/2022

  June 13,2022
  RE: ****************************, Complaint Activity Report Case #********
  This Response is regarding Complaint filed by **************************** with the Better Business Bureau Consumer against the Memphis City Employee Credit Union. The complaint indicated that **************** was 53 days behind on his automobile payment and due to the missed payment, his automobile was repossessed.
  On August 16, 2018, ****** and ***************************** entered a contract with Memphis City Employees Credit Union for $29,401.13, a 2017 Dodge Durango secured the loan. At the time of repossession assignment, the ******* were in default on this loan.Prior to repossession of the vehicle, late notices were mailed to the home address listed on their contract **************************************************************** 38661.Also, Memphis City Employees Credit Union Debt Solutions made contact by phone as it relates to their loan delinquency. Unfortunately, no payment arrangements or payments were made to bring the loan current. Therefore, on April 13, 2022, Memphis City Employees Credit Union sent a repossession assignment to a tow company. On April 22, 2022, ****** and ******************************* vehicle was repossessed and delivered to the ***** repo lot on April 25, 2022. On May 9, 2022, **************** paid their loan secured by the 2017 Dodge Durango in full, at that time the credit union released its lien and gave the title to ****************.
  ***** staff made every attempt to resolve this matter before hand with verbal and written communication. As a financial institution we are willing to collaborate with our members and we understand hardship situations. We value our members,our staff and our organizations reputation.
  If you need further assistance, you may contact us at ************ or *********************************.

  Sincerely

  *****************************, CRO

   

   

   

   

  Customer response

  06/21/2022

   
  Complaint: 17408676
  
  I am rejecting this response because: During the time my vehicle was in the care of C.M.C.U. it was used for Joy ****** and was Damaged, filled with Trash and Items Stolen! And, C.M.C.U. never notified us, by any means, about being behind.  Not by **** Mail nor Email! I told **************** I would pay the missed payments the next day, but he denied it and told me he required the Loan Balance Paid off within 10 Days or it was going to auction!  ********* does not work with people in hardships and ************** is repossessing vehicles for his on pleasure...joy riding repossessions of anyone he thinks doesn't have the funds to recover their vehicles. Not a Professional Institution!
  
  Sincerely,
  
  ****************************

  Business response

  06/24/2022

  June 13,2022
  

  RE: ****************************, Complaint Activity Report Case #********
  This Response is regarding Complaint filed by **************************** with the Better Business Bureau Consumer against the Memphis City Employee Credit Union. The complaint indicated that **************** was 53 days behind on his automobile payment and due to the missed payment, his automobile repossessed.
  On August 16, 2018, ****** and ***************************** entered a contract with Memphis City Employees Credit Union for $29,401.13, a 2017 Dodge Durango secured the loan. At the time of repossession assignment, The ******* was in default on his loan.Prior to repossession of the vehicle late notices mailed to the home address listed on their contract of **********************************************************************. Also,Memphis City Employees Credit Union Debt Solutions made contact by phone as it relates to their loan delinquency. Unfortunately, no payment arrangements or payments made to bring loan current. Therefore, on April 13, 2022, a repossession assignment sent to a tow company. ****** and ***************************** vehicle was repossessed on April 22, 2022 and delivered to the ***** repo lot on April 25, 2022. On May 9, 2022, **************** paid their loan secured by the 2017 Dodge Durango in full, at that time the credit union released its lien,and the title given to ****************.
  ***** staff made every attempt to resolve this matter before hand, with verbal and written communication. As a financial institution we are willing to collaborate with our members, we understand hardship situations. We value our members, our staff and our organizations reputation.
  If you need further assistance, you may contact us at ************ or *********************************. 

  Customer response

  07/05/2022

   
  Complaint: 17408676
  
  I am rejecting this response because:

  It appears my complaint isn't understood.  While the vehicle was in the care of CMCU our vehicle was used for joy riding by bank employee's...and, items were stolen, damaged and left on Empty!
  
  Sincerely,
  
  ****************************

• Initial Complaint

  03/02/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I been contact Memphis city credit union bank and made them aware of mobile check deposit into my checking account of **** from ************************* on 1/10/22 . advise them i am victim of IDT and do have police report so it is possible someone might have my bank account number. a teller said she will look into this and call me back but noone never did. . than i call to see if they can waive some of these $25 nsf fee i know i am entire to some but not all $200. I feel we should spilt it . than I got claim i file back in October 2021 of 103.21 I feel like I should have got it than it taking away from my balance. most of this balance not my fault. i also ask to file a dispute for acima credit for 11/16/21, 11/02/21, 10/19/21. 10/05/21. 09/21/21. of all $187.12 and ***** on 08/10/21 look like someone put in account with my name spelled wrong and this company trying make me pay for it. i send message with this bank but they ignore me. this worse bank ever trying to represent Memphis. please don't have ********* or ******** or lectica call me they are very ruled unprofessional . I had so much trouble out this bank and I already have health issue I am not trying have an episode to resolve this matter I need to talk to upper upper management. I just need some adjustment done so I can close this checking account out. I'm just keeping saving for my credit card . my bank account number is *****

  Customer response

  03/02/2022

  See Attachment/File: Attachments

  Business response

  05/03/2022

  May 3, 2022
  RE: *************************, Complaint Activity Report Case #********
  This Response is regarding ************************* Complaint filed with the Better Business Bureau Consumer against the Memphis City Employee Credit Union. ************** filed her complaint indicating that Memphis City Employees Credit Union staff was extremely disrespectful and unprofessional, and unaware of the remote deposit capture check made payable to *****************************.
  MCECU strives to provide the best products and member services for our members, we take pride that our credit union provides courteous and professional services. We value all our members business! Unfortunately, it can be challenging for members to hear something other than what they want. There are procedures we follow in an unauthorize dispute case. ***************************** has been a member of Memphis City Employees Credit Union since October 17, 2019. During her membership, the credit union has managed several unauthorize dispute cases. According to MCECU records, there are no pending disputes for **************, nor in her previous complaint to BBB did she mention any pending disputes regarding ***** Credit.
  On January 5, 2022, a check in the amount of $2900 was remote deposited into ********************************* account with proper endorsement and utilizing her MCECU log in credentials. However, on January 10, 2022, the check returned to the credit union as NSF. The credit union notified ************** of the check credit reversal. After an in-depth investigation of ****************** account revealed she ******** the account $568.96 prior to the check deposit, which included items paid on her behalf. The check deposit put her account back into a positive balance. However, once the check returned and the check credit reversed created an overdrawn status in her account.
  Our staff made every attempt to effectively communicate this process to **************. Memphis City Employees Credit Union understands the importance of an organization's reputation. Therefore, our staff receives annual training on effective communication skills, verbal and nonverbal.
  If you need further assistance, you may contact us at ************ or **********************************
  Sincerely,
  *********************
  Compliance Manager
  

  Customer response

  05/16/2022

  (The consumer indicated he/she DID NOT accept the response from the business.)
  No one call me back ! I spoke to a rep when I told her I don't know *************************. But no one call me back about the **** my bal was $900 I agree I owe. $500 I'm willing to pay that and close my check account because this being the wrong account ever

• Initial Complaint

  11/09/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have sent multiple certified mail letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 35 days for these accounts that are clearly inaccurate and fraudulent accounts. This creditor is disregarding the law and taking advantage of me and this has caused big stress on my life. The most recent certified letter I sent was 10/01/2021. The attached file is the letter and FTC I sent to them. I DEMAND that all the items are deleted and if action is not taken I will sue in small claims court in my city and the company will have to come and represent themselves.

  Business response

  12/22/2021

  Business Response /* (1000, 6, 2021/11/24) */ RE: ****** *****, Complaint Activity Report Case #XXXXXXXX

• Initial Complaint

  11/03/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  on 7/1/21 I went to drive and withdrawal from account ending XXXXX of 1540.00 however it was raining and i was in rush to get my nephew so I didn't count it. when I got home to count it I count 1440.00 the bank was close so i call the next day on 7/2/21 and told them they owe me $100.00 and I had several people count it we have counted the same thing $1440. the money was still in envelope. so I spoke to ******* ****** and she said her teller drawer was not short and the security guy that run camera is on vacation she will have him to call me when he return. so I waited and nobody never called me. so I think I called back in the end of July and i spoke to guy teller said his manager was on break but he will get someone to help me. never got help. so I reach back out to Ms. ****** on 8/24/21 and she ask for my account number I call her back left it on her voicemail. she call me back on 9/7/2021 said Poe Pruitt who is the manager of security department no one call me yet. I have two number and email they can reach me at. no one tried to reach me , I don't have $100 give away its a pandemic. I don't want them to lose no money and I don't have any to lose either. I feel they owe more I been waiting 4 month

  Business response

  12/27/2021

  Business Response /* (1000, 5, 2021/11/18) */ See attachment

• Initial Complaint

  10/26/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I been experiencing issues with this bank ! I lost my debit card a few time and I report it because I didn't want no one to make any transaction on my account. The manager last time give me a hard time ********* at the Mt Moriah Terrence . Told me she not giving me any more debit card talk to me mean and nasty ! I explained I am already suffering I am already a victim of IDT and a course I'm close card if I lost it . The last two transactions was close because someone hacked my account and Ms ********* tried to say I did it . Like me and another person can't go to the same place and I told her I am already trying struggle how I'm pay my bill because y'all want recover my funds. And than I had get another card because PayPal suspect someone trying to hack my account will they did for 103.00 and I send the back the email I got from them and they said that they will mail me a debit which I had to wait for 14-17 days which to me too long we'll Fargo and region it don't take them nothing but 3-7 business days. And there's coming from out of state . Mines coming from my city and state . This last time fraud dept from MCECU call me suspected and fraudulent transaction and close my card . I call the bank hoping they would give me instant card because someone from there dept close it . The teller said no pay $20 for instance or mail for free . So know I'm waiting again 2 1/2 weeks for debit card . MCECU treat there customer like nothing and someone need to fix it . I never know a update of my dispute cases what the point of having a message box on the portal

  Business response

  11/22/2021

  Business Response /* (1000, 5, 2021/11/10) */ Consumer Response /* (3000, 7, 2021/11/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) That is a lie ms ******* is being very untruthful. One of her staff text me and I told them I get off at 4:30 they say she will call me than I have not heard from this lady . However those card don't come from Florida the address on the card have the Mt Moriah Terrance Memphis tn 38115 address so how is it possible it come from Florida. I'm not dumb . I never hear about my dispute I just file them . What the point in file them when no one give you updated! Than the teller give you wrong info like on 10/26 I chat with rep to find how to add overdraft back to my account ***** tell me just add it on my bank portal and that's it . However I was charged nsf fee $25 for my insurance payment not there. I expect to pay overdraft fees $25 not both . When I call into the bank the rep said that ***** suppose to do something on the bank end to to add overdraft fee so I was charged $25 overdraft fee I think should be waived because ***** gave me wrong info . This worse bank experience I have ever had .

• Initial Complaint

  09/21/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  On Friday September 17, 2021 1:11pm, i went through the drive through to withdraw $650 at 1900 Whitten Rd Ste. 103. The teller gave me three fake $100 bills. I went to the bank on Whitten Rd and they referred me to Mr. ********** who basically called me a liar and said there's no way i received the money from them. I asked if he could zoom in on the camera to see the bills to and read words "play money" written where the serial number should be. He said the cameras are really good but he couldn't read the words and would have someone else to look at it. I went to the bank today but he was at lunch. I will return tomorrow and hopefully they will credit my $300 back to my account.

  Business response

  10/22/2021

  Business Response /* (1000, 5, 2021/10/05) */ See attached letter

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩