Complaint Review: Community First Credit Union

Community First Credit Union practice some very illegal or unethical charges at the bank. Each branch manager tells me something different.  The first branch manager states my charges incurred due to insufficient funds and will charge at the time of transaction, meaning if I have other pre-authorized charges the charge will immediately incurred an overdraft charge. I dispute stating I had deposit $200 before making the purchase.  I called the next day to speak to another branch manager and she states the service charge are applied when the transactions are presented for funds from my account.  Therefore when the transaction was presented I did not have the fund and therefore had incurred the service charge.

A year ago, my account had some ridiculous charges and I spoke with a branch manager, she was able to find out that there were holds on the account during pre-authorization but the holds were not released and the transactions came through for actual fund withdrawal caused the service charges. She was able to help me refund those service charges and stated that she has not seen such charges maybe a system glitch or I should call my merchants and tell them not to authorize the charge for more than 24 hours.

Current date the bank is practicing this shady business again and when I tried to explain they would just simply state I spent more money than I had and there is nothing they can do. I explained I have deposited over $500 into my account but yet receive these ridiculous charges which cause my account to spiral into more overdraft charges.  The manager still stated she cannot explain to me in a way that I understand, I am not wrong and should watch what I spend or keep a detailed register. I told her I have and it does not make sense whatsoever on how their banking system processed transactions.  This seems to happen when using their credit card or debit more than the usual amount which is 3 per day.