ComplaintsforMember One Federal Credit Union

• Initial Complaint

  03/17/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Bank stole 200 and gave to scammer. Reported fraud then continued to give them money multiple months after fraud after canceling card and calling fraud dept multiple times. Then charged me 140 in fees because they took money not authorized. They took another 10 and another 25 that was not authorized. They refuse to give me my money back. I proved that was NOT my student loan company amd they continue to overdraft a declining account. And Biden said we weren't paying loans at the time they stole my money. If they hadn't stolen my money i could have worked and not been late on my car payment i lost over 10K in lost wages. I want the late taken off credit and the 140 25 and 10 paid back.

  

  Business response

  03/22/2022

  The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the complaint outlined in BBB ID: ********. In addition, the Committee requested that management of Member One Federal Credit Union examine the above referenced case and provide its response to the Committee for review and consideration. The review determined that all applicable fees have been refunded to the member. The following credits have been applied to the member’s account throughout the process:1) December 28, 2021 $200.002) December 27, 2021 35.003) December 29, 2021 35.004) March 14, 2022 35.005) March 18, 2022 10.00Total: $315.00The remaining $25.00 fee noted in the complaint was charged to the member’s account by a merchant and would need to be refunded by that entity. The Supervisory Committee of Member One Federal Credit Union would like to thank the BBB of Western Virginia for bringing this matter to its attention. The Committee is always concerned when disputes arise, and appreciates the opportunity to address and resolve them, when at all possible. Sincerely, ***** ** ****** Supervisory Committee Representative Member One Federal Credit Union

  Customer response

  03/24/2022

  I have reviewed the response offer made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint. Credit Bureau has not been fixed and is still harassing me on loan when they did not make adjustments to account in timely manner. No mention of months of lost wages since harassment is still in effect. Regards, ********* ***** 

  Customer response

  04/04/2022

  I have reviewed the response offer made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. On December 17 the amount of 92.15 was taken from my account and the refund was not given back. ****** sold me a part that doesn't fit my car even though i typed in my car information. Now ****** has no record of payment and the "bank" won't contest or give ****** the reference number to refund. Over 20 times driving to the bank to take care of this at 5 a gallon!!! They say i didn't fill out paperwork that was told to me it was taken care of all 20 plus times!!! I want my money back! Regards, ********* *****

  

  Business response

  04/05/2022

  The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the second complaint outlined in BBB ID: ********. In addition, the Committee requested that management of Member One Federal Credit Union examine the above referenced case and provide its response to the Committee for review and consideration.The review determined that the $92.15 transaction represents an authorized online merchant purchase on December 17, 2021. On March 30, 2022, a team representative explained that, because the transaction occurred more than 60 days ago, a formal dispute can no longer be filed through the credit union. A trace number for the purchase was provided with instructions that the matter must be discussed with the online merchant.The Supervisory Committee of Member One Federal Credit Union would like to thank the BBB of Western Virginia for bringing this matter to its attention. The Committee is always concerned when disputes arise, and appreciates the opportunity to address and resolve them, when at all possible.Sincerely,***** ** ******Supervisory Committee RepresentativeMember One Federal Credit Union

  Customer response

  04/12/2022

  I have reviewed the response offer made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. This should have been taken care of the first 20 times I DROVE down there personally to take care of this BEFORE the 60 days!  Regards, ********* *****

• Initial Complaint

  11/23/2021

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I received a phone call voicemail one day to call Member One back. I have an auto loan with them. Before I had the chance, I received a letter in the mail stating my bill was past due and would go to collections and the full amount would be immediately due if not paid by 11/22. I had no idea what was happening. My payment had been paid automatically every month without fail. I called. They said the DMV had informed them that my insurance had lapsed and so they went out and bought insurance for me and were charging me. I had NO idea! I went to the DMV. The DMV said they don't do any such thing and that nothing was wrong with my account at all. There was a time where my insurance lapsed and I didn't know it for 11 days before I immediately got insurance when I realized it. I told Member One who told me to take it up with their insurance company. I demanded they be responsible. Since then, all that has happened is lies, misinformation, harassing phone calls, and more lies. Nothing has been done. I have received no relief from the bill I do NOT owe, they are still threatening me, still demanding money, calling multiple times a day demanding I pay. I have talked to numerous people on the phone, been to a branch in person 3 times. Still no resolution. And now they are claiming I haven't even paid October's bill despite the fact they withdrew the money from my account which is clearly documented. I'm getting a lot of attitude, a lot of misdirection, and zero answers. As far as I know, they plan to repossess my car if I don't pay a bill they refuse to acknowledge that I don't owe.

  

  Business response

  11/30/2021

  The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the complaint outlined in BBB ID # ********.The Supervisory Committee requested the management of Member One Federal Credit Union examine the above referenced case and provide its response to the Committee for review and consideration.After review of management’s response, it is the Committee’s understanding that the members account has been resolved and that a representative of the credit union has attempted to contract the member directly to discuss the matter in detail.The Supervisory Committee of Member One Federal Credit Union would like to thank the BBB of Western Virginia for bringing this matter to its attention.  The Committee is always concerned when disputes arise, and appreciates the opportunity to address and resolve them, when at all possible. Sincerely,**** *********** Supervisory Committee RepresentativeMember One Federal Credit Union

• Initial Complaint

  08/17/2021

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Hello, I'm contacting regarding some recents problems I had came across with Member One Credit Union sending false late payments to credit services in which I have paid before my grace period.A recent amount was turn over to Transworld systems Inc and late car payment that was place on my report which has been paid.This bank has constantly place things on my report before an due date.

  

  Business response

  08/24/2021

  Dear BBB of Western Virginia, The Supervisory Committee of Member One Federal Credit Union (MOFCU) has independently reviewed and investigated the complaint outlined in BBB ID #********.The Supervisory Committee requested that the management of Member One Federal Credit Union examine the above referenced case and provide its response to the Committee for review and consideration.Credit Union management has informed the Committee that they have been in contact with the member to discuss the matter directly.  The member has been asked to provide additional documentation surrounding the issue.  Once this documentation has been received, it will be reviewed and compared to the Credit Union’s records.  If discrepancies or mistakes are indicated, the member will be notified and the credit reporting bureaus will be updated as appropriate.The Supervisory Committee of Member One Federal Credit Union would like to thank the BBB of Western Virginia for bringing this matter to its attention.  The Committee is always concerned when disputes arise, and appreciates the opportunity to address and facilitate their resolution, when at all possible.Sincerely,******* ******* - Supervisory Committee RepresentativeMember One Federal Credit Union

  Customer response

  08/24/2021

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. Regards, ****** ******

• Initial Complaint

  07/25/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  My problem I’m having with MemberOne Federal Credit union is that I’m getting $35 courtesy pay fees for transactions that I had more then enough money to cover. When I call into customer service for assistance because I see a discrepancy the phone banker told me that the bank post the smallest fees to avoid the customer getting fees. She also said the larger item pulled out my account first then the small item pulled but that is not how it posted to my account. I have had to call in almost every month to complain about this and when they return the fee I was told it wasn’t a bank error but it is a bank error. The information should not be contradicting with what I see on my account it should all make sense and at this point I feel like the bank is stealing money from customers by charging fees for items that should not be a fee because the money is in the account. I attached a recent discrepancy where you can see the issue.

  

  Business response

  07/28/2021

  The Supervisory Committee of Member One Federal Credit Union (MOFCU) has independently reviewed and investigated the complaint outlined in BBB ID #********.The Supervisory Committee requested that the management of Member One Federal Credit Union examine the above referenced case and provide its response to the Committee for review and consideration.After review of management’s response, it is the Committee’s understanding that a representative of the credit union has been in contact with the member and that the issue has been resolved.The Supervisory Committee of Member One Federal Credit Union would like to thank the BBB of Western Virginia for bringing this matter to its attention.  The Committee is always concerned when disputes arise, and appreciates the opportunity to address and resolve them, when at all possible.Sincerely,******* ******* - Supervisory Committee RepresentativeMember One Federal Credit Union 

  Customer response

  08/04/2021

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved. Regards, ******** *****

*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. ↩