Mrig
modesto,#2Consumer Comment
Sat, December 19, 2009
My credit union was acquired by Patelco last year. Since then, we've had nothing but problems with our online accounts. In September, my checking account was low and I could not transfer anymore money from my savings account due to federal law of only six cross account or overdraft transfers per month. Since I had money in my savings, I went to a CITIBANK ATM and took out money from my savings account. I checked my online account every day and the available balance from the savings was lower by the amount that I withdrew but the transaction didn't show up in my savings account online register.
After about a week, I checked my account again and CITIBANK had taken the money out of my checking account instead of my savings and this caused me to be overdrawn. In incurred a $28 late fee and immediately called my bank. The teller named Teresa told me that she was familiar with CITIBANK and other ATM's misprocessing withdraws and advised me that she would reverse the NSF fee.
A few days ago, my account was overdrawn by two transactions; one for 8 cents and one for $1.99. Each of these transactions cost $28 EACH. When I called to ask if these unreasonable charges could be waived, I was told NO because I already had a one time courtesy NSF reversal. I was transferred to a manager who verified that what I told him was correct and he concurred, even said he had the power to reverse the charges but REFUSED to do so.
Two issues here: 1.CITIBANK's mistake caused me an NSF fee due to their error by withdrawing from the wrong account.
2.Why the hell should ANYBODY have to pay $56.00 for $2.07 overage? The manager was extremely discourteous and I reminded him that we are their customers and they are their to service us because it is a CREDIT UNION. He refused to comply before my phone dropped the call.
I don't know if I should get an attorney but I am extremely pissed!
Tracy
Las Vegas,#3Consumer Comment
Sat, December 29, 2007
My husband and I have had a loan with Patelco for 2 1/2 years now and I am really not understanding the issue that you've had. They have been absolutely wonderful to us. Even when we were in a tough financial spot and could not pay on our loan for 3 MONTHS they made arrangements with us. They have never claimed that we owed them anything other than the truth and they have been more than fair with us. Our interest is amazing low as well as our payments. The only thing that was a hassle was changing our address with them- That was quite annoying. But as far as everything else goes, I really don't think that the whole story is being told. Patelco has been great to us and I strongly believe that they are probably just as great to everyone else.