Consumer complaint received 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I am filing this complaint because First Technology Federal Credit Union has failed to fully resolve a payment processing error caused by XXXX of its tellers, despite my repeated attempts to have the matter corrected. On XX/XX/year>, I visited the First Tech branch on XXXX XXXX and made XXXX separate payments through the drive-thru to pay off both of my credit cardsmy secured credit card and my rewards credit card. My intention was for XXXX payment to be applied to each account. Instead, the teller mistakenly applied both payments to the same credit card. The secured credit card has since been corrected. However, the rewards credit card has not been properly resolved. After discovering the error, I contacted First Tech multiple times, including calls on XX/XX/year> and XX/XX/year>, and also spoke with the branch XXXX, with whom I filed a formal complaint. I was assured that the issue would be corrected. During a call with customer service on Monday, I was told that the - {$2.00} showing on my rewards credit card represented an interest charge. At the representatives direction, I authorized a payment of {$2.00} from my First Tech checking account to satisfy that amount. After that payment was made, my rewards credit card began showing a negative balance of - {$4.00}, creating even more confusion and leading me to believe the account has still not been corrected. Throughout this process, I have also received emails and mailed notices stating that my payment was not received and that my account was past due, despite the fact that I made both credit card payments in full on XX/XX/year>. This issue arose solely because of the tellers processing error. I have spent a significant amount of time making repeated phone calls, returning to the branch, and attempting to resolve a problem that was not caused by me. Despite these efforts, I still do not have confidence that my account has been properly corrected. Based on my payment history, I do not believe I owe any balance on either credit card. I am requesting that First Tech conduct a complete review of my account and payment history, correct the rewards credit card account and any remaining errors resulting from the tellers mistake, refund any funds that were improperly collected, including the {$2.00} payment if it was not actually owed, remove any interest charges, late fees, or other charges caused by this error, correct any inaccurate payment history or credit reporting related to this matter, and provide me with a written explanation of all account adjustments and written confirmation that my credit card accounts are accurate. Due to the handling of this matter and the repeated failure to resolve it despite numerous contacts, I have lost confidence in First Technology Federal Credit Union. Once my credit card accounts have been fully corrected, I also will be closing my First Tech checking account, as I no longer wish to continue doing business with the institution.

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