Complaints

This profile includes complaints for Space Coast Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Space Coast Credit Union has 67 locations, listed below.

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  Space Coast Credit Union

  8025 N Wickham Rd Melbourne, FL 32940-7920

• 

  Space Coast Credit Union

  5353 Sheridan St Hollywood, FL 33021-3342

• 

  Space Coast Credit Union

  1701 S Dixie Frwy. (US 1) New Smyrna, FL 32168

• 

  Space Coast Credit Union

  3155 SR 44 New Smyrna, FL 32168

• 

  Space Coast Credit Union

  1185 W Granada Blvd., Suite 10A Ormond Beach, FL 32174

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/03/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the debt claimed by SPACECOASTCU. There is no agreement between me and SPACECOASTCU, and they have not provided the original contract as requested.

  Business Response

  Date: 01/23/2025

  Please see attachment for Member Complaint Response Letter. 

• Initial Complaint

  Date:12/30/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened my bank account and deposited $5000 into it and it has been disabled since March. Ive done everything I could to expedite the process and whenever I contact them they say it is still being reviewed. When I called they told me that I can go in the branch show my ID and show a statement of where the $5000 deposit was coming from and I did that. The branch employee told me they would upload it for me and when I called a few weeks later it showed that it was never uploaded so I sent it again to the person online. Im not sure how it is possible and ethically ok to keep my funds locked for so long. I understand if its a month or two but 9 months is outrageous. There no time frame that anyone is willing to give me and its unacceptable.

  Business Response

  Date: 01/27/2025

  Please see attached.

• Initial Complaint

  Date:12/29/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Date occurred: 12/29/2024 @ 10:19 am I called the member service number ************ and explained to the agent who called himself *****, that I should have received a Direct Deposit from my job Treasure Coast Homecare Specialist. The other account ( not SCCU) DD had already posted on the 27th and SCCU has always posted 12 hours later. He proceeded to tell me that he didn't see any DD on my account at all, only withdrawal Transactions. Now I'm extremely frustrated because I know that he doesn't know what he's doing and I'm not going to get the correct information. I asked him to look back from the beginning of the account because I receive DD twice a month from my employer and I told him the name again. He then says the only one he sees is for $350. That's not from my employer and I tell him to go back further. I'm upset and frustrated now because he's not listening. Finally he sees one from my employer and I say that is who I'm expecting. Now he's going back and forth with me saying I told him to go back a week. I asked him what was wrong with him and yes I did curse. That was wrong but it was unbelievable how incompetent he was. He was listening to reply and not to understand. He was doing the opposite of what I asked from the beginning of the conversation. I asked for a supervisor because we weren't getting anywhere. So someone named **** got on the line. He was speaking so soft I couldn't understand or hear what he was saying. He was smart mouth and sarcastic from the beginning. I don't believe he was a supervisor because he didn't carry or act as one. He didn't apologize for the inconvenience or the fact that his agent is incompetent. I asked for his supervisor and he said he couldn't get them. So I asked for his name and stated that I would call back Monday and speak with someone else in management. Whoever SCCU is using to be ************** on the weekend is not upholding SCCU standards.

  Business Response

  Date: 01/24/2025

  Please see attached.

• Initial Complaint

  Date:12/18/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I AM THE VICTIM!!!Of identity theft by ***** ***** ************** ***** *** who compromised my Space Coast Credit Union account. They changed my email & removed me as the holder. Public records easily identify the fraudulent email ******************** as belonging to ********************************, not me.Despite evidence (forged email address), the bank hasn't acted. They blocked my access & falsely claimed they spoke to me (they called my cousin). All communication is via email, where I requested law enforcement cooperation, but the bank refuses. When they have all the evidence of this crime, just need to provide the Detective with all the evidence of the criminal acts, this two persons comitted(they have her contact information).This negligence caused financial hardship & emotional distress. I urge the BBB to investigate and hold Space Coast Credit Union accountable:Re-instate my account access. Investigate the fraudulent activity. Cooperate with law enforcement. Implement stricter security measures. The BBB's intervention is crucial to protect consumers and ensure banks take responsibility for identity theft.

  Business Response

  Date: 02/03/2025

  Please see attached document for Complaint Response. 

  Customer Answer

  Date: 02/11/2025

  
  Complaint: ********
  
  I am rejecting this response because:
    
  
  A serious case of fraud that has occurred within your institution, resulting in my illegal removal from my own bank account. Despite multiple complaints and requests for corrective action, Space Coast Credit Union has failed to remedy the situation, thereby continuing to enable fraudulent activity.
  
  Fraudulent Account Removal & Institutional Negligence
  
  Unauthorized Account Modification  I was fraudulently removed from my account by an individual impersonating me. This action was carried out in a manner that is not permitted by your institutions own policies, particularly regarding email communications and account modifications. See opening agreement.
  
  Failure to Verify Identity  Space Coast Credit Union did not take the necessary steps to verify my identity before allowing changes to my account, in direct violation of standard banking security measures.
  
  Continued Negligence  Despite my repeated complaints, the bank has failed to reinstate my account access or take action against the perpetrators, thereby enabling identity theft and fraud to persist unchecked.
  
  Under Florida Statutes ******* (Criminal Use of Personal Identification Information) and  ****** (Forgery of Signatures or Documents), the fraudulent removal of a rightful account holder through impersonation, forgery, or identity theft constitutes a felony. Moreover, financial institutions that knowingly or negligently allow such actions may also bear liability under 18 U.S. Code 1344 (Bank Fraud) at the federal level.
  
  Numerous cases in banking history have held financial institutions accountable for failing to protect account holders from fraudulent removals and forgeries. Precedents show that banks can be held liable when they fail to follow their own internal policies or regulatory requirements regarding identity verification and unauthorized account changes.
  
  Demands for Immediate Action
  
  Immediate Restoration of My Account  My access must be reinstated without further delay.
  
  Investigation & Accountability  Space Coast Credit Union must conduct a full investigation and take legal action against those responsible for the fraudulent modifications.
  
  Compliance with Banking Regulations  The institution must adhere to its own opening agreement and industry regulations to prevent further identity theft and fraud cases.
  
  Sincerely,
  
  

  Business Response

  Date: 02/11/2025

  Please see Member Response Letter.

  Business Response

  Date: 02/13/2025

  Please see attached for Response Letter.

  Customer Answer

  Date: 02/18/2025

   
  Complaint: 22707467
  
  I am rejecting this response because:
    
  
  A serious case of fraud that has occurred within your institution, resulting in my illegal removal from my own bank account. Despite multiple complaints and requests for corrective action, Space Coast Credit Union has failed to remedy the situation, thereby continuing to enable fraudulent activity.
  
  Fraudulent Account Removal & Institutional Negligence
  
  Unauthorized Account Modification  I was fraudulently removed from my account by an individual impersonating me. This action was carried out in a manner that is not permitted by your institutions own policies, particularly regarding email communications and account modifications. See opening agreement.
  
  Failure to Verify Identity  Space Coast Credit Union did not take the necessary steps to verify my identity before allowing changes to my account, in direct violation of standard banking security measures.
  
  Continued Negligence  Despite my repeated complaints, the bank has failed to reinstate my account access or take action against the perpetrators, thereby enabling identity theft and fraud to persist unchecked.
  
  Under Florida Statutes ******* (Criminal Use of Personal Identification Information) and  ****** (Forgery of Signatures or Documents), the fraudulent removal of a rightful account holder through impersonation, forgery, or identity theft constitutes a felony. Moreover, financial institutions that knowingly or negligently allow such actions may also bear liability under 18 U.S. Code 1344 (Bank Fraud) at the federal level.
  
  Numerous cases in banking history have held financial institutions accountable for failing to protect account holders from fraudulent removals and forgeries. Precedents show that banks can be held liable when they fail to follow their own internal policies or regulatory requirements regarding identity verification and unauthorized account changes.
  
  Demands for Immediate Action
  
  Immediate Restoration of My Account  My access must be reinstated without further delay.
  
  Investigation & Accountability  Space Coast Credit Union must conduct a full investigation and take legal action against those responsible for the fraudulent modifications.
  
  Compliance with Banking Regulations  The institution must adhere to its own opening agreement and industry regulations to prevent further identity theft and fraud cases.
  
  Sincerely,
  
  Ada **** Pelaez *****
  
  

  Business Response

  Date: 02/21/2025

  Thank you for the notification that the consumer has posted additional correspondence regarding the complaint. As previously indicated, we communicated with the consumer  via letter, and weve made an ******* attempt to resolve the situation. Currently there is no new information that SCCU is at liberty to disclose, due to confidentiality. SCCU would appreciate BBBs assistance with closing this case.
  Please advise.
  Thank you,

• Initial Complaint

  Date:10/30/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had refinanced a vehicle with space coast in 2020 I traded the vehicle in October 2020 which space coast was paid in full by the company I traded it in to. 3 months later I was hit with a late fee and although space coast was paid in full they will do nothing to remove my late payment atleast as a courtesy being that they were paid already in full. its been 4 years now and space coast is STILL reporting me late to all three bureaus AFFECTING MY CREDIT TIL THIS DAY!! Ive reached out many times over the years to see if theres anything they can do to help and they refuse to budge or help out in anyway .. the car has been paid for in full 4years ago..my credit is still suffering in 2024 . Before all this I have never missed a payment nor was I ever late on a payment.its beyond me that as a customer of ******************************************* they will do nothing to help.. this is a horrible thing for space coast to do to a customer. I wil most likely be closing my account at ******************************************* because as a customer/consumer I cant trust this bank they are not for the customer at all..

  Business Response

  Date: 11/06/2024

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on October 30, 2025. We have thoroughly reviewed the situation and **************** has addressed it directly with the member on November 06, 2024 by way of letter.  The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

• Initial Complaint

  Date:10/22/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Space Coast Credit Union.I do not have any contract with ***** and ********************They did not provide me with the original contract as i requested.

  Business Response

  Date: 10/31/2024

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on October 30, 2024. We have thoroughly reviewed the situation and **************** addressed it directly with the member on October 31, 2024  by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

• Initial Complaint

  Date:10/17/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  **** switched to a new system that locked me out of my account on Tuesday 10/15. I have been in contact with them since 10/15 to get back into my account, but all I am getting is the run around. Ive spoken to 5 different people by phone and chat support and no one will provide an answer besides Im sorry. I did everything they asked and they still wont get me back into my account. Its 10/17 12pm as of writing this, someone said theyd call me at 11:15 and Ive gotten no callback. I want this resolved, Ive had no access to my money for 3 days. This is completely unacceptable to hold a persons money without letting them access it.

  Business Response

  Date: 10/25/2024

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on October 18, 2024. We have thoroughly reviewed the situation and **************** addressed it directly with the member on October 25, 2024 by way of letter.  The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

• Initial Complaint

  Date:10/15/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To whom it may concern, I have never had a relationship with Space Coast Credit Union nor did I consent to having a account open In my name. I was pre approved for a mortgage with a lender and as they check my chexsystems there was a account that was opened in my name and it was closed 01-11-2021 for an unpaid balance of $33.80. My wife and I laughed knowing someone had to open this to commit fraud. My wife said just pay it and I told her NO!!!. I have 3 bank accounts and there all joint accounts with my wife. Im very careful with my personal information and I have fraud filters in place so I don't know how this slipped through the cracks. I wrote Space Coast Credit Union 3 times and I have proof with signature with certified mail receipt but I have yet to receive a letter. I called them and I'm always getting transferred or my information doesn't match. I also disputed this with Chexsystems and it was denied and verified after Space Coast sent over 2 sheets of copied paper. I filed an Identity Theft Report and now I'm hoping BBB can help me out with this problem. A $33.80 problem. Please delete this negative account from my *********** and provide documentation stating this negative account will be remove so I may provide it to the mortgage lender.

  Business Response

  Date: 10/16/2024

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on October 15, 2024. We have thoroughly reviewed the situation and **************** Team addressed it directly with the member on October 15, 2024 by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

  Customer Answer

  Date: 10/16/2024

   
  Complaint: 22422682
  
  I am rejecting this response because: They keep saying member. I am not a member.  So.eone stole my identity and opened an account in my name. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CHEXSYSTEMS. 
  
  Sincerely,
  
  ******** *****

  Business Response

  Date: 10/18/2024

  Space Coast Credit Union always ensures we take corrective action when needed to better serve our membership. **** has thoroughly reviewed the facts of the situation presented, and weve taken the appropriate actions necessary in response to this complaint. We have previously communicated with the consumer on October 15, 2024 via a letter and made an attempt to resolve the concern.  At this time there is no new information that SCCU is at liberty to disclose due to confidentiality.SCCU would appreciate BBBs assistance with closing this case.

• Initial Complaint

  Date:10/08/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Here's a letter you can send to Space Coast Credit Union:Subject: Request for Removal from ChexSystems and Settlement of Balance Dear Space Coast Credit Union,I am writing to request the immediate removal of my information from ChexSystems. I have paid the outstanding balance that was listed on ***********, which amounted to over $4,000, and I have attached proof of payment for your reference.Additionally, I would like to settle the remaining balance on account number 0720, which currently stands at $470.52. I am requesting a settlement for the amount of $200. This request stems from the fact that I had notified SCCU in September 2023 to turn off overdraft protection on all of my accounts once the balance was paid. However, despite this instruction, my accounts were closed due to issues that arose while I was dealing with depression and anxiety, which I was diagnosed with in January 2024. During this time, I had someone else managing my business transactions until October 2024.Prior to June 2023, my account had been active for over six years without any significant issues. Given the circumstances, I kindly ask that you consider removing all negative information from ChexSystems and settle the outstanding balance as soon as possible.Thank you for your time and consideration. I look forward to your prompt response.

  Business Response

  Date: 10/15/2024

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on October 09, 2024. We have thoroughly reviewed the situation and **************** Team addressed it directly with the member on October 11, 2024  by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

• Initial Complaint

  Date:09/28/2024

  Type:Product Issues
  Status:

  UnresolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello, My name is ***** ********* and the bank SCCU was negligent with my financial wellness. I fell into a company that said they provided insurance such as ************, Accidental Death, Wellness Plus, and dental... I questioned them many times and when I would get my Florida Blue mail it said that I pay $0.00.When I asked the agent working on my account, he replied that the $181.75 was being charged as a tax credit. With the help of professional guidance He did research, but he found that it was a *******'s all over the BBB and my argument with SCCU is they should have flagged and protected me from a well-known scam. I suffer from mental health disabilities such as PTSD, OCD, and other things that I would not like to disclose. I don't want to take this to a lawyer (I have a lawyer) Because it would critically affect my mental wellness and physical health (I go to a neurologist for migraines and they become flared when I am stressed). I want to make it clear who the scammer is... ************** told me that the plan would not be effective without the **************************Negligence Claim: If the bank's failure to detect a well-known scam resulted in financial loss, you have grounds for a negligence claim. Banks are legally required to act with reasonable care when protecting their customers' accounts from fraud.This **** has denied every claim I have ever made and is also known by the BBB that they deny disputes. People have lost thousands of dollars. It's so sad. This needs to change And if I have to file a lawsuit I would be very unwell and unhealthy... I don't want to take it to that length. I want all of my money from every ***-ADD ON. Every single tier of health insurance that they offer is a scam and I've attached all of the evidence in the file I am sending to you and I have sent to ****. Why can't SCCU apologize and recognize that they failed me and tell me how this will change as a bank and refund my money as it was their negligent fault?

  Business Response

  Date: 10/08/2024

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on September 30, 2024. We have thoroughly reviewed the situation and **************** Team addressed it directly with the member on October 07, 2024 by way of Letter.  The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

  Customer Answer

  Date: 10/08/2024

   
  Complaint: 22354020
  
  I am rejecting this response because: There are more attachments to include. Yes, I have been reaching out almost every day to get an update on the case. I was FINALLY provided a PC which should have been provided a long time ago as this case has been open for more than 10 days.

  SCCU please stay in the loop in the portal  

  In the portal I defined fraud AND I defined ****s consideration for fraud. *** is fraud. I keep getting told that its ****s responsibility to detect fraud and they can only go back 60 days!

  This is a huge problem and not true. **** uses a broad system called **** Secure almost everyone has a **** card. Its the banks responsibility to flag fraud and have highly intelligent and integrated systems to protect your customers.

  As Ive consulted and this is a negligence claim.

  I expect SCCU to take responsibility for failing to detect fraud. Especially healthcare fraud that is all over the BBB with *** and go back to all 16 charges using all the evidence I provided in the portal.

  This has nothing to do with ****. This has to do with SCCU and with all of the evidence there should be no reason to side with a fraudulent company .

  Sincerely,
  
  ***** *********

  Business Response

  Date: 10/17/2024

  Space Coast Credit Union always ensures we take corrective action when needed to better serve our membership. **** has thoroughly reviewed the facts of the situation presented, and weve taken the appropriate actions necessary in response to this complaint. We have previously communicated with the consumer on October 07,2024  via letter and made an attempt to resolve the concern.  At this time there is no new information that SCCU is at liberty to disclose due to confidentiality.SCCU would appreciate BBBs assistance with closing this case.

  Customer Answer

  Date: 10/21/2024

   
  Complaint: 22354020
  
  I am rejecting this response because: I received a response on 10/07/2024 with a PC. That is not a resolution that is a temporary fix that was not provided immediately nor within the 10 days of having to put it into my account. I would appreciate if you also acknowledge that with your app transition it deletes threads of evidence and message trails on the bankers end. Luckily, with much conviction the kind man was able to send a PDF with the thread trails. It has not been acknowledged that this is a fraud dispute and the threads have not been read properly, as your staff would understand that this is not a dispute with the merchant this is a fraudulent company that your systems failed to do its due diligence. The issue keeps getting put back on ***** I included all types of fraud and definitions in general and what **** considers fraud. This situation all the way back to the first charge has been fraud. This is your banks responsibility and negligence and this case has not been resolved. 

  Sincerely,
  
  ***** *********