Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX Tax Collector saying that my check bounced from Golden 1 Credit Union. When I opened my account I am showing that there was enough money to cover the check. I called the bank and they told me that there was no money in the account to cover the check payment. Please see the rejection below from XXXX XXXX XXXX Collector. On my online statement, I show that I have more than enough to have covered the transition listed below. Clearly, this was an opportunity for the bank to take money from my account although funding was there. Please respond to my request if you need further documentation regarding this issue I can be reached at XXXX and XXXX. 
Thank you in advance for your time in processing this request. It is my request to invest to see if the company is going this to other members as well. 


XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$22.00} {$2700.00} XX/XX/XXXX Checking Deposit @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$100.00} {$2800.00} XX/XX/XXXX Checking Deposit @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$1400.00} {$2700.00} XX/XX/XXXX Checking Deposit @ XXXX  Online Transfer " STD '' XXXX from share 0 {$100.00} {$1300.00} XX/XX/XXXX Checking Deposit @ XXXX  Online Transfer " STD '' XXXX from share 1 {$200.00} {$1200.00} XX/XX/XXXX Withdrawal ( Item # ACH FEE ( S ) ) {$30.00} {$1000.00} XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$43.00} {$1000.00} XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$120.00} {$1000.00} XX/XX/XXXX Checking Deposit @ XXXX Online Transfer " STD '' XXXX from share 1 {$800.00} {$1100.00} Here is the count tax letter received via my email also see attached to the bank statement from Golden 1 XXXX XXXX Tax Collector : Payment Rejected XX/XX/XXXX at XXXX AM PrintRaw message XXXX XXXX To : XXXX Your bank has dishonored your e-check payment. The reason given was : Insufficient funds ( R01 ) Please contact your bank if you need further information about why the payment was unsuccessful. 
If your e-check was rejected for any reason, you may be charged a service fee. 

Please contact us at ( XXXX ) XXXX if you need further information about why the payment was unsuccessful. 

Return Confirmation # XXXX Your payment has been returned. 

Payment and Return Summary Transaction Details Payment Date : XX/XX/XXXX XXXX AM PST Return Date : XX/XX/XXXX XXXX AM PST Recipient : Tax Collector Location : Public Site Received Via : Online Payment Type : e-check Account Information : THE GOLDEN 1 CREDIT UNION Account # XXXX Paid By XXXX XXXX XXXX Adjustments Original Amount Charged to Your Account Amount Returned to Your Account Total Balance Remaining Charged to Your Account ( if any ) Payment : {$2100.00} {$2100.00} {$0.00} Total : {$2100.00} {$2100.00} {$0.00} If your payment was returned by your bank, you may need to submit a replacement payment.

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