terrible treatment of disabled senior.
I'm a senior on Social Security disability.
I opened an ETA account at Point Loma Credit Union. I wasn't given any information, written materials, etc., just a receipt and a paper with my account # on it.
Before opening an account I saw the manager, Debbie Clow and she assured me that I could get a debit card (NOT an ATM card). I never got any printed material (fees, ATM locations, etc.). I had to call the customer service number and request information (which was never sent to me).
All was well until I got a call from Mimi. She rudely said that an "audit" was done on my account and that I shouldn't have been issued a debit card. The card will be cancelled and I will be sent an ATM card. And, I was told that I was not allowed to cash any checks, to deposit money into the "checking" account OR into the savings account, AND I can't open an additional checking or savings account because I am listed on Chexsystems! I told her that the PLCU fee schedule which came with my statement lists "Check cashing if non-member $5 each", and I asked if someone can walk in off the street and cash a check for $5, why are you telling me, an account holder, that I cannot cash checks there? She said they do not cash checks for non-account holders. Yeah, right.
Today I checked my account online and saw I'm overdrawn $21.23!! No explanation. I called customer service but was immediately transferred to Debbie Clow. She said I was charged an overdraft fee because a charge came in for $9.69 and there was only $4.77 in my account. I asked why it was not declined and why I was being charged. She said it was a "processing fee" and refused to correct or waive it because it was not their error.
The ETA Website states the following: What happens if I overdraw my ETA? It?s very difficult to over draw an ETA. If you do, there is a MAXIMUM charge of $10 for overdrafts that have occurred during a 24-hour period.
Oops! They overcharged me.
They are liars and I'll be suing them.
I would recommend this branch in a heartbeat. I would recommend joining this branch because credit unions offer most of the same benefits as banks, and this particular credit union has very friendly staff. I've gone here for 8 years. Their CDs are wonderful. The only issue I've had with them is it is not possible to do a same day direct wire transfer because they must go through a third party (the fed) before they can make a transfer. All Credit Unions have that issue. Online services are great. Their Visa Loans are unbeatable. I have never had to pay any fees for anything (except wire transfers).
Editorial Review. Regional credit union offers full range of lending and banking services, with locations throughout San Diego County.
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