Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I have been banking with my bank for years. Awhile ago someone hacked into the system and was stealing money out of accounts. I have had two paid vehicles loans with them and havent received one title. They claim they were lost in the mail. I have put XXXX k in my account over the past 2 years and all of my funds have disappeared. On top of that I was working as well getting direct deposit. I had finally noticed some transactions from XXXX where they were charging my credit card, and debit card. For over a year. Last year someone requested a AAL-.PDF form on XX/XX/year>. And one gentle stated that it was called in, so when I ask them to Pull the recorder he hung up. I called back and A young lady stated that it was done online by me and I told her both of you just gave me different stories. I have always been on time with my payments so now they sent my accounts over to collection flawed the investigation and kept telling me they dont see anything. Before I put this money in my savings account my card was set up to where if the fund arent there it declines the payment. All of a sudden they got me set up on overdraft protection every time I would go into my bank account its negative everything down all my bank statements are over drafts. They claim that the money comes directly out of my savings account to cover the funds and I told them if that was the case why would I have to transfer money out of my account to make it positive again. Thats not how my account was set up. They said I wasnt being charged for it but another representative said if the account goes negative and we cover its a XXXX dollar charge and additional XXXX dollars per day for how ever long the account stays negative until I transfer money to make it positive again. They just now telling me my bank account was compromised. And they still investigating which has been going on all year. I need a quick loan of XXXX dollars and they rejected me and said I dont qualify. I recently tried to get copys of my bank statements for a place I was moving into. They wouldnt provide me with any of the statements. I contacted them yesterday and said I need them statements Ive been waiting for over a week. They finally just gave me access to get into my online banking after I was supposed to been provided my proof of income. I have missed work these past couple weeks due to dealing with the bank and they negligence. I gave them a call today to ask questions about who requested information last year and the lady said they changed my account number so that information cant be provided. They changed my account number and sent me the same debit card. I have been emotionally and physically drained due to what the pain and suffering this bank has caused me I have lost a excessive amount of weight due to this situation. I have. They have also locked me out of my account making me lose access to retrieve the last little bit of money I did have which was much they kept requesting payments from me from my credit card and all they have done was take it in interest the charging me daily interest and the card hasnt been used. I wan na move forward and pursue a suit against the bank I want them to be held accountable for what they have done. I wasnt even receiving bank statements to my current address for over a year. If someone can please help me my future is gone because those funds were for me and my babies to purchase us a home and now Im stuck have nowhere to go.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation