- Report: #1192361
Complaint Review: First Credit Union - Glendale Arizona
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First Credit Union
5770 W Thunderbird Rd Glendale, 85306 Arizona, USA
Phone:
(480) 831-2645
Web:
http://firstcu.coop
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First Credit Union FCU First Credit Union Stole Nearly $700 From Us And Admitted to it! Glendale Arizona
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First Credit Union of Glendale AZ will Steal From you Blind and then Admit to it.
These crooks were holding some of my money out of every check deposit. And NO, it wasn't because the check had not cleared. The criminals at First Credit Union admitted to the money clearning but decided to hold part of the money for themselves and couldn't give a reason. Yet, on the online app, it shows all of the money in the account.
Thus when my wife and I use our debit cards, some of the transactions fail and trigger overdraft fees at $35 a pop. While my wife and I did not use more than we should of had in our account, the bank has charges us nearly $700 in overdraft fees because they unlawfully held onto some of OUR MONEY.
My wife went there in person to confront them. When asking Jodi why they were holding our money, she could not come up with a single answer. She also acted as if she didn't care and like my wife was just getting in the way of her punching out and going to Happy Hour.
The crooks that run First Credit Union will rob you, then tell you it's your fault and then berate you. As if robbing you blind and then admitting it weren't bad enough, they have no customer service skills whatsoever. This is a horrible credit union run by criminals who should be thrown in jail.
My wife and I don't make a lot of money. $700 is a lot of money to us and that sure would have come in handy for Christmas. But instead, the crooks at First Credit Union on Thunderbird Road in Glendale, AZ are having a much better Christmas to the tune of $700. Must be nice!
Well, since I am $700 poorer than I would have been banking at a real bank, I have $700 worth of time on my hands. I happen to dablle in the SEO game and I have become quite proficient at it over the years. I may find myself writing articles about Frist Credit Union. Wouldn't want other people being scammed. It's just wrong.
DO NOT BANK with these criminals
They stole from my family and they would probably steal from yours too. They probably pull this crap on a lot of other people but unfortunately, I think a lot of people don't catch on to their scam. Unfortunately for First Credit Union, I'm not like those other people.
Steal from my family and then disrespect my wife. Time you are taught a lesson First Credit Union. Word of mouth can be very helpful yet, it can be very harmful. You should really think twice before stealing from people.
First Credit Union
Routing Number
322172742
24/7 Phone Center
480-831-2645
Toll Free Outside the Phoenix Area: 800-732-6986
24/7 Telephone Teller
480-345-2107
Toll Free: 800-998-3328
User Guide
Lost or Stolen Cards
ReportMyCards.com
During Business Hours:
480-831-2645 or 800-732-6986
toll-free outside Phoenix area
After Business Hours:
800-682-6075
Outside the US and Canada:
206-352-3482 collect
Activate Card
ActivateMyCards.com
800-411-6390
Outside US and Canada:
206-352-3477 collect
Debit Card PIN
Get a new PIN for your debit card at any First CU ATM or Branch OR
Call 1-877-PHONPIN (1-877-746-6746) for a new PIN. Please be aware this method requires 48-72 hrs before new PIN works.
Credit Card Declined?
800-411-6390
Mortgage Department
480-821-1000
Credit Management
480-786-2300
Mailing Address
PO Box 820
Chandler, AZ 85244
Physical Address
Chandler Corporate Office
25 S Arizona Place, Suite 111
Chandler, AZ 85225
3 Updates & Rebuttals
Tyg
Pahrump,Nevada,
Or...
#2General Comment
Tue, December 02, 2014
Or just admit that YOU screwed up and over spent. Its not difficult to admit. Its a shame though that YOU have to blame ANYONE ELSE rather then admit that YOU are human and have made a few mistakes.
Jim
Florida,Funds Availability Matters
#3Consumer Comment
Tue, December 02, 2014
What it seems like you're saying is not all of your deposits are credited at once, which would be standard procedure for every financial institution. In other words, you did not read the Terms and Conditions of having an account. You then go on to use the money which you don't have and you have not accounted for in your check register because you don't keep a check register! As such, you use your account without having any knowledge of the running balance, you give yourself overdraft fee and now blame them.
To change this, you need to learn the policy and start keeping a written record of every transaction and keeping a running balance. Doing that, will guarantee no more overdraft fees.
Robert
Irvine,California,
Okay so.....
#4Consumer Comment
Tue, December 02, 2014
These crooks were holding some of my money out of every check deposit. And NO, it wasn't because the check had not cleared.
- So I guess you were just being picked on and they must have drawn your name out of a hat and said "Hey let's just hold some of this customers money because we know if we do they will overdraft to the tune of $700."..yea makes total sense doesn't it.
No more likely YOU used money that wasn't fully available in your account..
How much money do they hold "every" deposit? How long do they hold it for? How are the checks deposited? More importantly WHEN was it deposited?
Do you have a history off Overdrafts? How much was the checks for? Is this a "new" account(only a few months old).
Also, if this happens EVERY time, one would understand if you got the overdraft fees the first time, but after the first time this is something you know about and need to account for.
Also, if the check was deposited after the bank's cut-off time it is treated as if it was deposited the next banking day. Which yes means if you deposit it after hours on Friday, it won't actually get deposited until Monday(or Tuesday if Monday is a Holiday).
Was the check a "local" check? Oh and if you don't know what a "local" check is perhaps you should use some of your SEO skills to look that up. While you are at it perhaps you should look at Regulation CC AKA the "Expedited Funds Availability Act" which specifies EXACTLY how a bank can "hold" funds..LEGALLY.
Of course if you looked at all of that and they have not followed the regulations, then contact your local news media and show them your proof. 5 Minutes on the news is thousands of times better than you can do trying to write articles. Oh and when you go to the media..please post a link to the news story they do on you.
