Consumer complaint received 2019-04-18
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX my personal loan with Schoolsfirst Federal Credit union charged off, I was unaware that this action was taking place since in all previous conversations no mention was made to me that this was happening. Because this loss took place my Membership was in danger of being closed. 
On XX/XX/XXXX I emailed XXXX XXXX and XXXX XXXX and outlined the discrimination and retaliation that I felt I was receiving. I felt that no mention of my account being charged off was mentioned in an effort to close my account, prevent my direct deposit from being received and cause me further financial hardship. I received no response, acknowledgment or phone call to discuss my concerns. 
On XX/XX/XXXX I was advised by XXXX XXXX that I had to make a deposit to cover the {$22.00} negative balance in my account so that my Membership could be closed. Not once was I provided a payment arrangement or options to prevent my account from being closed as all other members are offered. I was told by XXXX that she never asked me to pay on the personal loan because she wanted me to pay on my car loan. So to me that tells me that management was purposely setting me up to cause a loss to have restrictions placed on my account with the intent of closing my membership. 
On XX/XX/XXXX I emailed XXXX XXXX, XXXX XXXX & XXXX XXXX as I realized that my account had been shut down. I received a response from XXXX XXXX who promised to look into my complaints and respond to my claims. Her response was unfair, deceptive, and abusive. In my response to her I asked if she would have responded to any other member the way she had to me. As is standard with upper management when it came to my membership I received no response. 
On XX/XX/XXXX I responded to XXXX 's email that highlighted how my Membership according to her wasn't closed. I would like to point out that when your Membership is under par {$5.00} it is an attempt by the credit union to close your accounts. You have to satisfy the {$5.00} minimum but every time you deposit those finds will once again be offset in an effort to close your membership. My debit card was canceled without my prior knowledge, my direct deposit was captured, my funds were not made available to me without the assistance of management. In her response to me XXXX denied closing my account although the facts show otherwise. XXXX spent time outlining assistance provided to me in XXXX and didn't address my current concerns. 
On XX/XX/XXXX I was forced into payment arrangements that I knew I couldn't afford to meet but again was not receiving any assistance that a typical member would receive a reage, deferment were now being denied because management forced me into creating a loss and were retaliating based off the emails that I sent to upper management. I was told by XXXX XXXX that I couldn't be removed from my husbands account where I appeared as a joint unless he removed me. I asked that my direct deposit be deposited into this account and was told my debit card would not be canceled or restricted as any action taken would have to come from my husband. 
On XX/XX/XXXX I realized my debit card was canceled this came after Schoolsfirst realized I had redirected my direct deposit into my husbands account where I am listed as a joint. Because I didn't have access to my money I wasn't able to put gas in my car and ran out of gas on the freeway almost costing me my life. I had been guaranteed my membership on my husbands account wouldn't be impacted without notice they canceled my debit card. No previous calls, letters or emails were sent to me. 
Schoolfirst has not been unfair to me as a previous employee not being granted the same assistance or service as a typical member. They have been deceptive as they have allowed my account to create a loss preventing me access to my account fully. They have been abusive in their handling of my account which has caused me harm as all their Standard Operating Procedures have not been followed. I confirmed when calling in that automatic closures take place every Saturday my account was closed on a Wednesday purposely and with intent to cause me harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation