Consumer complaint received 2025-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I was attempting to withdraw money for food for XXXX and the ATM was not allowing me to take out any money from my account, it was giving me an error but I can see my available balance online. I only get paid once a month and my direct deposit was already available, I am just month to month. 

On XX/XX/XXXX, I logged into my phone and discovered that they took four withdrawals from my account without my authorization on a federal holiday.

The first transaction was for my car note of {$1900.00}. 

The second transaction was for my personal loan {$1200.00}. 

The third transaction was for my overdraft loan {$230.00}. 

Fourth transaction was my uniform loan {$22.00}. A grand total of {$3400.00}. 

The remaining balance left from my paycheck for the whole month was only {$1600.00} and unavailable to me. 

After witnessing what they did, I attempted to go to ATM again and I was rejected with a message : Unable to process this Trans at this time. 

Due to holidays, I couldn't contact the bank until the XXXX of XXXX. The bank closed early on the XXXX and they were completely closed on the XXXX, I had to wait until the XXXX to go in person. 

On the XXXX, when the bank finally opened, I was told by their representative that my account was closed which was the reason why my ATM was no longer valid. I met with XXXX at the branch and she was able to refund me XXXX overdraft fees, which totaled {$320.00}. After she called the main office, they were able to reverse {$530.00} from my car note and {$420.00} from my personal loan. My remaining balance was only {$2900.00}, from my original deposit was {$4100.00}. Again, I only get paid once a month and my rent is {$2600.00}. 

Since XX/XX/XXXX, my son was in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This driver had no insurance and I had to take out loans to cover copays and daily needs for his medical necessities. I have been trying to survive this journey for over a year now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No mother should have to go through something so tragic because it's just very difficult to see your children trying to survive. He is finally healing and on XX/XX/XXXX I received a phone call that my son was hospitalized again due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My son has had so much to deal with and I am trying so hard to stay strong and support him. He was finally released on XXXXXXXX XXXX  I am working and working to just survive and I can't believe Schools First Credit Union did this to me on XXXX day. I am aware I am late, but I am not hiding, they can see my direct deposit every month, I am working and working and trying to pay what I can. I've been working XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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