Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
XX/XX/2024 I did attempt to close only my primary account at BECU XXXX branch and remove my name from a non-equal joint account associated with my daughter. At approximately XXXX to XXXXXXXX XXXX I worked with an XXXX lady who helped me accomplish closing my primary savings and checking account. I was issued a cashiers check and she assured me that I had nothing more to do with BECU twice because I asked if I was on my daughters account still and the rep said " no. '' However, while attempting to cash my check at the teller counter, I was asked for my accounts code word. Which I replied, " I don't have an account anymore I just closed it. '' The teller went and got her manager and found out I was still tied to my daughter 's separate and primary account. I was then led to XXXX XXXX who removed me from her account, he did not close her account so I was told. Over the years I have had no access to her account but only to transfer funds into it and that is all. I have never had a debit card to her account, nor access to her debit card. She is the primary owner of her account. 

On XX/XX/2024 my daughter contacted me asking me, " why '' I closed her account? That is not what I did, nor what I understood as having had happened. I called BECU and was connected to a rep that was seemingly reading from a script a narrative that was fraudulently false about our accounts and what type of accounts they were. The BECU rep on the phone said ourjoint account was me as anequal owner with my daughter. That is a lie. Then he said that he could see that I was refused a withdrawal of the fund 's moments later by the bank teller at the counter. Another lie that did not happen. I began to get irate over the phone, because for years this kind of misuse of my account and the details of it changing and even being used by other people has gone on for quite some time. I stopped online banking all together with BECU because of someone who is not me, accessing my online passwords locking me out of my accounts, denying bills to paid automatically, and even my secret code words were being changed. The rep on the phone brought into question the nature of the joint account being equal, which it was not. I could only transfer funds into not take away and that is it. My daughter and I both understand this to be the case. Angry at the discrepancy the phone rep alerted me to, I left work to go to the bank. When I arrived at BECU of course the account reverted back to a not equal ownership joint account and everything appeared as it should have. The XXXX XXXX XXXX bank manager had assured me that I needed to have my daughter come in to fix the problem with her debit card that was cancelled. Something I did not initiate or do, nor understand was being done. 

So what script was the phone rep working from and who was supplying disinformation about the nature of my account and its status with my daughter being of equal ownership? What is the purpose of this narrative? This representative of BECU fictionalized the description of the business that I initiated, and even the services I was provided. Why is it a necessity to change what actually took place and replace it with a false narrative about a sequence of events that never took place, seemingly for some nefarious secret reason. And this has been going on for years with my account and the abuse I have endured is from the abusers working inside BECU 's discriminatory practices they have used to sincerely hate and discriminate against me. 

I have been denied any recourse to have my online and technological complaints investigated at all. On top of being a victim of robbery by their ATM 'S, do they have to victimized me even more, stealing my money, changing my account information at will, allow criminals to enjoy using my account to make charges to my account that I did not receive goods or services for, despite me not being an online shopper and asking them to help me get to the bottom of it. The only way this information of mine could be escaping is from untrustworthy bankers employed with BECU themselves. It was THEIR atm 's that stole XXXX 's from my cash deposits XXXX dollars, at three different locations. I can prove how much money I received and deposited but BECU never even asked during their so called " investigation ''. This indicates to me complicity with the pirates enjoying their free reign of thievery. Like the discriminatory institution they are, they lied straight to me and said what happened to me never happened to me as they STOLE {$300.00} dollars with their crooked Atm 's and never reimbursed me. BECU seemingly enjoys gaslighting me on top of their other technological abuses and robberies that they ALLOWED to continue to happen to me. This type of financial institution abuse & gaslighting needs to be recognized and outlawed! And those within their ranks of their tech division and their rogue software engineers who think they are so smart, smarter than everybody, need to go to prison for their dishonesty and untrustworthiness.

Company response to consumer: Closed with explanation