Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Subject : Service Failure Causing Financial Harm Request for XXXX Review To Whom It May Concern, I am submitting this complaint regarding financial hardship caused by Digital Federal Credit Union ( DCU ) due to the failure to deliver my replacement debit card. On multiple occasions, DCU representatives confirmed that my replacement debit card had been mailed ; however, the card never arrived. Because I did not receive the debit card, I was unable to access my own funds. I was advised that I could attempt to withdraw funds through another bank. However, when I went to a bank location, I was informed by the teller that I could not withdraw cash because I did not have an account there and could only use an ATM. Because I did not have my debit card, this option was not available to me. This situation left me without access to my own money. I had an important event to prepare for and was forced to use my DCU Cash Rewards credit card to pay for expenses that I would normally have paid using my debit card. As a result, I now have a balance of {$660.00} that I would not normally carry. I have been a responsible DCU cardholder for over XXXX years and have consistently paid my balance in full and on time. I have never carried a balance of this size before. DCU partially acknowledged the situation by waiving interest for XXXX and XXXX. However, during a conversation on XX/XX/year> with XXXX XXXX XXXX ( ID XXXX ), I was informed that interest would resume moving forward and that my only option was to be transferred to the collections department for assistance. Because I was deprived of access to my own funds due to the banks failure to deliver the debit card as confirmed by multiple representatives, I was forced to incur credit card debt that I otherwise would not have incurred. I believe this situation XXXX raise concerns under federal consumer protection standards regarding unfair practices, as the financial harm created by the institutions failure was not reasonably avoidable by me as the consumer. Timeline of Events I contacted DCU regarding a replacement debit card and was informed that the card had been mailed. On multiple occasions, XXXX different DCU representatives confirmed that the debit card had been mailed ; however, the card never arrived. Because I did not receive the debit card, I was unable to access my own funds. DCU suggested that I attempt to withdraw funds through another bank, but I was informed by a teller that I could not withdraw cash because I did not have an account with that bank and could only use an ATM. Because I did not have a debit card, I was unable to use the ATM and therefore could not access my funds. As a result, I was forced to use my DCU Cash Rewards credit card for event expenses, creating a balance of {$660.00} that I would not normally carry. On XX/XX/year>, XXXX XXXX XXXX ( ID XXXX ) informed me that interest would resume and that my only option was to speak with the collections department. Requested Resolution To resolve this matter fairly, I respectfully request the following : Placement of the {$660.00} balance on a temporary 0 % interest hardship program until the balance is fully paid Waiver of all interest associated with this balance caused by the inability to access my own funds Consideration of a goodwill statement credit due to the inconvenience and financial hardship caused by this service failure I am not refusing to pay the balance. I am requesting relief from the interest and hardship caused by DCUs failure to deliver the debit card as confirmed by multiple representatives. I respectfully request review of this matter and assistance in reaching a fair resolution. Sincerely, XXXX XXXX XXXX

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