Consumer complaint received 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this formal consumer compliance action against First Technology Federal Credit Union XXXX XXXX XXXX XXXXXXXX ) regarding XXXX XXXX XXXX Account ending in XXXX. This submission details a systematic pattern of deceptive financial refinancing inducements, bad-faith rejections of standard loss-mitigation frameworks, retaliatory junk-fee compounding during a documented family hardship, and intentional asset deprivation via restrictive account website architecture. Following a severe personal hardship involving family bereavement and subsequent catastrophic end-of-life expenses, I proactively reached out to First Techs channelsincluding their specialized portal at XXXX establish a stabilization workout. Initially, representatives projected absolute sincerity ; specifically, a representative named XXXX engaged me in a detailed, 45-minute telephone consultation, explicitly leading me to believe that the credit union would refinance my debt into a XXXX-percent interest credit card or an alternative parallel amortization product to preserve my credit profile. Instead, this extensive consultation proved to be a disingenuous bait-and-switch. First Tech completely reneged on these representations, and the workout division functioned as a superficial facade operating like a rigid call center grid. Representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX engaged in a coordinated paper-shuffling runaround, issuing conflicting internal mandates and directives instructing me to exit the workout channel to call general collection phone lines, effectively stalling me while automated interest and penalty tracking systems triggered. Furthermore, on XX/XX/year>, President and CEO XXXX XXXX issued an official executive communication promising that their mega-merger with DCU was purposefully built around member value, financial wellbeing, and " fiercely supportive '' people-first solutions, explicitly pledging a fee schedule engineered to return an estimated XXXX XXXX dollars to members. The actual operational ledger completely destroys this public messaging. While I executed massive, over-compliant principal payments of XXXX dollars on XX/XX/XXXX and XXXX dollars on XXXX XXXXdramatically exceeding baseline expectationsFirst Tech pocketed the capital and instantly slammed my account with XXXX dollar late fees ( XX/XX/XXXX and XX/XX/XXXX ) and an exorbitant XXXX dollar finance charge on XX/XX/XXXX. When escalated on XX/XX/year>, Special Assets Manager XXXX XXXX ( Phone : XXXX ) exhibited an aggressive, toxic corporate demeanor and complete indifference to consumer bereavement. Manager XXXX continuously weaponized the fact that my account is kept current to justify the ongoing extraction of late penalties and interest fees, explicitly stating that my hardship was merely an inconvenience to their operations. Additionally, First Tech has deployed an extraneous portal architecture that completely locks me out from viewing, managing, or redeeming my XXXX earned XXXX XXXX XXXX points, withholding my member equity during a documented crisis. I am a consumer who is deeply sensitive, protective, and diligent regarding my credit profile, yet First Tech 's industrialized, desensitized greed leaves my hands tied. If the institution continues to refuse standard federal workout options while draining my liquidity through an unconscionable billing loop, they will leave me with absolutely no economic alternative but to allow this XXXX dollar balance to charge off. Please see the attached formal PDF file and transaction screenshots for the forensic verification of this complaint.

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