Consumer complaint received 2015-04-06
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This is what has been happening on my account XXXX I transferred money to my Savings to prevent me from overspending on my debit car due to certain things I required funds for. 

XXXX/XXXX/2015 I made ordered on XXXX XXXX XXXX thru my XXXX account.XXXX 

XXXX/XXXX/2015 I made transfers as I needed funds. 

XXXX/XXXX/2015 at XXXX XXXX my checking balance was {$15.00} most of my transaction pending. 

XXXX/XXXX/2015 at XXXX XXXX I withdrew XXXX from my savings to give to my daughter. you charged me a XXXX fee and had the transaction on my saving account. I have a receipt for this reflecting my new balance. 

XXXX/XXXX/2015 My checking balance is XXXX. Due to a XXXX and XXXX debit of {$490.00} that I did not authorize and when called was told I had to get a release code. They are authorized for {$65.00} a month. The collected for something additional and did used the information on file. The transaction should n't have even gone through because even with the so call transfer the account was overdrawn until the kicked back the XXXX XXXX XXXX and additional deposits made. 

XXXX/XXXX/2015 My saving account is overdrawn showing the withdrawal and overdraft transaction so when the overdraft transaction occurred whoever completed it saw the withdrawal occurred or was in pending transactions. 

XXXX/XXXX/2015 my ATM withdrawal of XXXX is gone and you have completed a {$350.00} overdraft transfer. But I was charged a XXXX ATM XXXX I get a call from a rep XXXX about my share account going below XXXX when I explain your errors about the over drafting and missing ATM transaction. I get placed on hold hung up on and call back and told the will research it with operations. I was advised that even if the transaction did not complete I get charged a XXXX fee. I see the XXXX ATM fee is refunded. 

XXXX/XXXX/2015 I cancel the overdraft option because this seems to be the source of the headache. 

XXXX/XXXX/2015 My XXXX XXXX XXXX order payment to XXXX is gone after sitting there for 4 days and Transactions that occurred after that were posted on XXXX/XXXX/2015. And the XXXX and XXXX {$490.00} is posted to my account. 


XXXX/XXXX/2015 I speak with XXXX who states that because I withdrew the ATM funds after business hours of XXXX XXXX that it did not reflect in my record on my balance even though I saw the updated balance on my savings account reflecting the ATM withdrawal. I find it hard to believe whoever in operations did not see this. XXXX advises me that my Share account can not be negative but I will owe the credit union {$340.00} Then when I inquire about my XXXX XXXX XXXX XXXX payment that disappeared XXXX advises me she will investigate it because she no longer sees it. I speak with her later and she advises me the XXXX XXXX XXXX was returned and to contact XXXX. I contact XXXX and the advise me they have not received any return items. 

XXXX/XXXX/2015 I see a XXXX debit for XXXX XXXX XXXX with an effective date of XXXX with a date of XXXX/XXXX/2015 for the transaction which is not accurate. 

I keep getting the run around and no clear answer from my bank at this point I owe them for an ATM transaction and god knows what else.

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